How to Spend in Retirement Without Regret

After decades of saving, do you feel it’s wrong to spend? 

From our experience the hardest part of retirement isn’t worrying about your savings.

It’s giving yourself the permission to enjoy what you’ve built.

Especially when it’s been a rule you’ve followed your whole life. 

As Dave Popowich said on the October 18th episode of More Than Money:

“We’ve spent a lifetime practicing and learning to save money, and now we have to learn how to do something else… and it’s uncomfortable.”

We’re not talking about splurging.

We’re adamant about stretching your money.

Morgan Housel titled his new book The Art of Spending Money for a reason.

Spending wisely isn’t about doing more or less, it’s about: 

Aligning your dollars with your values.

Because the truth is, money can trigger two very different emotions:

Guilt and shame.

We often feel guilty for spending or ashamed for not spending enough. 

But Housel reminds us there’s no one-size-fits-all formula.

What feels right for one person may feel wrong for another. 

Because we all carry different values, histories, and experiences.

As he puts it, people tend to use money in two ways:

As a tool to live a better life, or as a yardstick to measure themselves against others.

The real danger is when we use money to prove we’re doing better instead of using it to create a life that feels better.

As Leanna Wachniak shared:

“People who have spent their whole lives saving have become savers as part of their identity and that’s what makes it so hard when they hit retirement to shift from saving to spending.”

Maybe that’s the real art of spending: learning how to live without regret.

To spend not for approval, but for meaning.

Not to show your success, but to shape your life.

So maybe spending isn’t the opposite of saving. 

It’s the reward for doing it well.

Ready to explore what spending with confidence looks like for you?

Join our next seminar on November 4th from 7 to 8pm at the Carriage House Hotel & Conference Centre. Register now at morethanmoneyradio.com