Retirement Spending Phases: EDU #2617

The Retirement and IRA Show

Jim Saulnier, CFP® & Chris Stein, CFP®

Business, Investing

4.3 • 729 Ratings

🗓️ 29 April 2026

⏱️ 104 minutes

🔗️ Recording | iTunes | RSS

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Summary

Chris’s Summary
Jim and I continue our discussion of the New York Times article titled “You Saved and Saved for Retirement. Now You Need a Plan to Cash Out,” focusing on Retirement Spending Phases as the article moves into go-go, slow-go, and no-go years. We walk through how the article is using that framework and how it compares with how we approach retirement planning, particularly in how different types of spending behave and how that ties to Social Security, pensions, and simple annuities.

Jim’s “Pithy” Summary
Chris and I pick back up with the New York Times article from last week and this time we focus on Retirement Spending Phases and how that go-go, slow-go, no-go framework is being used.

I’m not saying the concept is wrong. I’m saying if you apply it across everything, you’re going to miss the point. Because not all expenses behave the same way. Your Minimum Dignity Floor is there no matter what. Your Fun Number is what actually changes depending on how you’re living your life. If you don’t separate those, you can end up making decisions that don’t reflect reality. That’s really the issue we keep coming back to as we walk through this and react to how the article is presenting it.

And that’s where this starts to matter. Because once you’re thinking about what has to be covered versus what can change, you’re dealing with different kinds of decisions. That’s where Social Security, pensions, and annuities come into the conversation. Not as a blanket solution, but as part of figuring out how different pieces of a plan are supposed to work depending on the job they’re trying to do. And it’s why you can’t just treat everything the same and expect the outcome to make sense over time, especially as those phases play out differently across different types of spending.

The post Retirement Spending Phases: EDU #2617 appeared first on The Retirement and IRA Show.

Transcript

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0:47.2	This is the retirement and IRA show coming to you from beautiful Northern Colorado.
0:52.8	Join us as certified financial planner Jim Sondier, as well as Colorado State University Finance Instructor and Certified Financial
0:55.2	Planner Chris Stein teach you about IRAs, borrow-in-case, annuities, Social Security,
1:01.2	pension plans, and estate planning in a fun and enjoyable show. Whether you are listening live
1:06.7	in Colorado or streaming from their website or iTunes podcast, Jim and Chris want you to know that
1:12.5	they're available to help you plan for your retirement. Just visit their website at JimHelps.com.
1:18.5	That's Jim H-E-L-P-S dot com and click the Meet the Team button on the homepage. Now here's Jim and
1:25.9	Chris with today's show.
1:36.0	Well, hello everybody and welcome to the Retirement and IRA show EDU edition. This will be part two, I guess, of a two-part series, we'll call it. I'm not sure you'd call it a series
1:43.4	with only two, but last, we'll call it. I'm not sure you'd call it a series with only two.
1:51.8	But last week, we started walking people through an article from the New York Times.
1:59.8	It was from last year. And it's an article about what we kind of focus on, which is distribution planning, is what it's called in the industry, which is
2:03.1	you've built a nest egg and how do you distribute it now through your retirement years.
	...

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