Retirement & Decumulation

Retirement flips the entire financial mindset that got someone there — for decades, the goal was accumulating and staying net-positive; in retirement, spending down is the plan working as intended, not a sign something's gone wrong.

This track covers what that shift actually looks like: thinking in time-buckets rather than a single number, the real cost of over-saving (money that bought no freedom because it was never used), how sequence-of-returns risk changes withdrawal strategy, and the genuinely non-obvious math behind Social Security claiming age. It ends on the highest-return spending decade most people underrate — using both time and money deliberately once there's finally enough of both.