Ep 511: From Nest Egg to Paycheck: Rethinking Retirement Planning

HerMoney with Jean Chatzky

Jean Chatzky Her Money

Business, Investing

4.7 • 1.5K Ratings

🗓️ 21 January 2026

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

When people think about preparing for retirement, they usually think about saving. But the real challenge? Making sure your money lasts as long as you do. Morningstar’s Christine Benz joins us for a conversation about the smartest ways to prepare for retirement and make sure your money goes the distance. This episode is part of our new, monthly retirement-focused series, brought to you by LIMRA. With practical tips and real-world conversations, these episodes will give you the tools to help you feel more confident about what comes next. In this episode, Jean and Christine break down: Why there’s no one-size-fits-all retirement plan How to shift from a saving to a spending mindset in retirement The biggest retirement blind spots – and why they’re more challenging for women The steps you can take today to feel less overwhelmed about retirement planning 🛣️ ARE YOU ON TRACK? If you’re ready to start putting together a retirement plan that works for you, download LIMRA’s free Retirement Income Planning Starter Guide. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	To be or not to be.
0:02.8	Right now we're offering a range of incentives across Audi models.
0:06.5	That is the...
0:07.5	But only until the 28th of February.
0:10.0	The...
0:10.7	Um...
0:12.0	So stop whatever you're doing.
0:14.4	Um... I'll be right back.
0:17.1	Just carry on without me.
0:18.3	And find yours online or at Finchley Road, Audi. Audi. four-sprung Duck Technic. Terms and conditions apply. Selected models, retail customers and participating Audi centres only. Hi, just leave on work now. Sorry, it's a bit loud. Basically, so I was thinking we could get Macies tonight. I had a big Mac on my mind all day, and delivery fee on the app is now from 99P.
0:39.8	So you win?
0:41.0	Of course you are.
0:41.6	Love you. Bye.
0:43.1	Exclusively on the McDonald's app.
0:46.0	18 plus, service fee and small order fee may apply.
0:48.1	Participating restaurants.
0:49.0	Serving times and teas and seas apply.
0:52.6	The retirement income approach that makes sense for us is really the one that fits with us psychologically.
1:01.0	So some people might have a strong appetite for safety if they arrive at some system.
1:07.0	They just kind of want to lock it down, which is what you would get if you purchased
1:11.0	an annuity, you'd get the same stream of cash flows. Other people would say, no, wait, I don't
1:16.5	want to give away a pool of my money. I want to continue to control it. So the experts even vary
	...

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