Spending Confidently in Retirement with Kevin Sebesta: EDU #2521
The Retirement and IRA Show
Jim Saulnier, CFP® & Chris Stein, CFP®
4.3 • 729 Ratings
🗓️ 21 May 2025
⏱️ 80 minutes
🧾️ Download transcript
Summary
Chris’s Summary:
Jim and I are joined again this week by Kevin Sebesta from the Rock Retirement Club in this EDU episode. We explore what helps retirees start spending confidently—especially when markets are volatile or the saver mindset is hard to shake. Kevin shares how structure, support, and community all play a role, and why building confidence takes more than just having a solid financial plan.
Jim’s “Pithy” Summary:
Chris and I bring Kevin Sebesta back this week for round two, and this time we’re talking about what it really takes to start spending confidently in retirement. Kevin’s been retired for over a decade and now coaches others through the emotional messiness of it all—because let’s face it, knowing you “have enough” and actually feeling comfortable using it are two very different things.
We dig into how savers struggle to flip the switch, how things like the Fun Number
and Minimum Dignity Floor can give people the permission they need to enjoy their money, and why building in a simple cash reserve might just be the difference between “Hey, let’s upgrade the cruise cabin” and “Let’s sit in steerage because the market dipped 8%.” We talk about community, support, peer influence (yes, even a little friendly shaming), and how watching other retirees live well can sometimes do more than a spreadsheet ever could.
Kevin shares some great anecdotes—including what happens when frugality runs too deep—and I get into my usual rants about emotional risk, the real cost of inaction, and why deferring fun until your 80s is a plan only a masochist could love. Retirement planning isn’t just about having a secure strategy—it’s about creating a life worth funding!
The post Spending Confidently in Retirement with Kevin Sebesta: EDU #2521 appeared first on The Retirement and IRA Show.
Transcript
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| 0:00.0 | The retirement and IRA show represents the words and views of the show hosts exclusively and should not be construed as investment legal or tax advice. |
| 0:06.8 | All information is believed to be from reliable sources. |
| 0:08.9 | However, we make no representation as to its completeness or accuracy. |
| 0:11.9 | All economic and performance information is historical in nature and is not indicative of any future results. |
| 0:16.3 | Any indices mentioned on the show are unmanaged and cannot be invested indirectly. |
| 0:19.8 | Diversification and asset allocation strategies do not assure profit or protect against loss. |
| 0:23.7 | Never make any investment or financial decisions based on information offered on this show |
| 0:26.7 | without first consulting your financial legal or tax advisor. |
| 0:29.6 | Financial planning services offered through Jim Solnior and Associates LLC, a registered investment advisor. |
| 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 Sonier, as well as Colorado State University Finance Instructor and Certified Financial |
| 0:55.1 | Planner Chris Stein teach you about IRAs, borrow-in-case, annuities, Social Security, pension |
| 1:01.4 | plans, and estate planning in a fun and enjoyable show. Whether you are listening live in Colorado |
| 1:07.3 | or streaming from their website or iTunes podcast, Jim and Chris want you to know that they're |
| 1:12.6 | 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. |
| 1:24.8 | Now here's Jim and Chris with today's show. |
| 1:29.7 | Hello again and welcome to the homepage. Now here's Jim and Chris with today's show. Hello again and welcome to the Retirement and IRA show EDU edition for this week. |
| 1:35.4 | We got the same guest we had last week. We didn't quite finish up with Kevin Sebesta from |
| 1:41.4 | the Rock Retirement Club. I'm going to chat with him about retirement planning issues and approaches, et cetera. And we kind of left you with a cliffhanger, |
| 1:53.3 | which we'll pick up on as we get into this show. I did want to make mention we ended up |
| 1:57.9 | recording this show several days ago. So if there's been any worldwide events happen that are of substance that you're wondering when we were not talking about, that might be why. |
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