Yes, it is indeed possible to invest too well. Some of you're like, no, there's never too much money. I could always find a way to travel or give. And that's not what I mean. What I mean is there's a risk of investing too well and working too long and looking back going, why didn't I retire earlier, or why didn't I consider potentially doing that remodel, or why didn't I essentially give more to my child for that wedding? I'm going to do a real life

story of my clients who are now telling me to tell my clients, here's other things I wish I would have done. So I'm going to walk through that with you today. Now, last week I know was a big episode. It was one of my longer ones. Hey, should you break up with an advisor? Should you not? How do you think through that. I invite you to check that one out. It is a lot of information in there if you have

an advisor. If you don how do you think through that i invite you to check that one out it is a lot of information in there if you have an advisor if you don't you still might find it valuable today's episode is back to the standard process where i'm going to go over a review of the week i've got some fun entertaining ones for you guys um a few funny comments that have been left that you're going to probably chuckle um a few times possibly at and then we're going to get into the real story here. So hopefully you guys are loving the content so far. I love all the comments, both when you guys send me emails directly to me, when you drop comments on YouTube, reviews on the podcast apps, it's awesome. So you guys are the reason I do this. So I'm pulling up the first comment here.

I know you can't see this if you're just listening on the podcast apps, but I'm going to explain

it to you. If of course you're watching on YouTube right now, you can check it out. Now, if you don't already know, my name is Ari Taublieb. I'm a certified financial planner, host of the early retirement podcast and I'm the vice president at root. So first comment here, um,

this comes from Kate Libby 1315.

She goes, I took the new retirement route at 59.

I have a $10,000 a year side gig that feels more like volunteer work.

Now at 65, we've not touched our retirement funds.

Spouse plans to take retirement in two years at 62. Next stage will be

transitioning from saving to spending. The reason I'm highlighting this comment is because some of you

are going to be like, what do you mean transition? Just go retire already and start spending if you're

in a good spot. It's not that easy. You don't just flip a light switch and essentially go, oh,

now I'm going to be able to just spend successfully. Because if you did, you wouldn't be where you are right now. The truth is, it's hard. And it's more like dimming a light where over time you become successful at spending. It just doesn't happen overnight. And I think the only real way to do it is with an optimized financial plan or else there's

always going to be a little head trash in the back of your head.

I think I'm in a good spot, but what if it turns out I overspend?

Or what if it turns out, you know, I want to spend way more than I thought I initially projected

or what if it's way less?

And I'm going to tell you the real client story of one that it was way less.

And you're like, what do you mean? I'm going to tell you about in a second. So this is a comment I just like to make real brief. I like, they probably didn't know I would highlight a comment like this because they might think it's pretty straightforward. But it's a big one. It's not like you can become an amazing spender overnight and I don't need you to, but I want you to think about it in the following light. If you are an amazing saver and a good investor, and that's why you are where you are today, good for you. I'm proud of you. I don't get to say that to everyone. Now, if you continue being a good saver, you will not have success in retirement. You will be financially fine. You'll be financially more than fine, which is the story of today. But you're going to look back going, yeah, why didn't I do the remodel or travel if I was in a fine spot to do so anyways and still not run the risk of running out of money. You might go, you know what? No, it turns out I just love, you know, whatever it is, volunteer work or I love working and I'm going to keep working anyway. So it's not like a cookie cutter approach.

That's not what I'm saying. I want to make sure that you are actually living your dream

retirement and you don't have head trash of, I don't know if I'm in a good spot to spend.

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