72: How to Enjoy Retirement Without Running Out of Money

How do you retire without anxiety? For high-net-worth families, retirement planning isn’t just about growing wealth—it’s about spending it wisely and confidently.

In this episode of the Up Your Average, Keith and Doug unpack one of the most overlooked transitions in financial life: shifting from saving mode to spending mode. If you’ve built over $500,000 in investable assets, the question is no longer “Can I grow this?” but “Can I enjoy this—without running out?”

We explore:

• The psychology of the spender vs saver
• Why flatlining your wealth at 65 may be perfectly rational
• The difference between accumulation and decumulation strategy
• How to eliminate guilt and anxiety around retirement spending
• What worry-free retirement planning actually requires

For many disciplined savers, the hardest part of retirement is giving yourself permission to spend. But you only get one retirement. The goal is not just financial security, but financial freedom.

If you want a retirement income strategy built for confidence, connect with our team at Gimbal Financial.

👉 Work with us: https://www.gimbalfinancial.com