How to Spend Your Money in Your 70s and 80s (Without Regret)

Video Description

Are you in your 70s or 80s and still living like a saver? In this video, I share how I’m starting to spend down our retirement money—without guilt—and how you can enjoy your savings with smart, real-life strategies. In this video, I share how I’m planning in my 70s to spend down our assets—without guilt. From using annuities to creating a giving budget and reducing equity risk, I walk through real strategies that can help you enjoy the money you worked so hard to save. I also talk about what changed my mindset—books like Die with Zero and Four Thousand Weeks, my work with an end-of-life nonprofit, and living in a retirement community where I see these decisions play out every day. Whether you're just entering your 70s or well into your 80s, retirement planning never really stops. If you're struggling with the idea of spending your own money—or not sure how to do it safely—this video is for you. 💬 Leave a comment: Have you started spending more freely in retirement? What mindset or strategies helped you? 🔔 Subscribe for more real talk from retirement: Robert’s Active Retirement #RetirementPlanning #SpendingInRetirement #DieWithZero #RetireSmarter #RobertActiveRetirement #70sAnd80s #Annuities #QCD #financialplanning Retirement planning 70s and 80s, spending down retirement savings, retirement income strategies, annuities for retirees, QCDs, charitable giving in retirement, retiree financial planning, how to spend money in retirement, die with zero strategy, financial mindset after 70 00:00 Intro: The Challenge of Spending in Retirement 01:00 The Life Expectancy Wake-Up Call 02:04 The Saver’s Mindset Is Hard to Break 02:31 Books That Changed My Thinking 03:39 Why Wait to Give or Spend? 05:46 3 Strategies We’re Using Now - Retirement Planning 07:04 The Case for Annuities in Late Retirement 08:07 Reducing Risk with the 100 Minus Age Rule 09:43 Why It’s Already Raining 10:34 Don’t Wait Until It’s Too Late to Spend More of Your Money 11:50 Final Thoughts and Takeaways 12:59 Bonus: Black-Eyed Susans in Bloom