How to Money · Monday, July 20, 2026
To address a listener's difficulty in spending money nearing retirement, the hosts suggested reframing saving as deferred spending and focusing on life goals and values. They encouraged aligning spending with what brings happiness, whether through travel, experiences, or philanthropy, rather than hoarding wealth.
“Saving is just deferred spending, then what you need to ask yourself is what were you hoping to accomplish with the dollars that you opt to instead push into the future.”
“Don't buy crap just because you can. We want you to align your spending with your values, and then once you're able to identify that, don't be afraid to funnel more dollars in that direction.”
“The tool that got you to where you are is not the one that's going to help you enjoy the most meaningful retirements.”