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How to Retire: Stay Flexible with Your Retirement Spending

Derek Tharp discusses how to adjust your spending throughout retirement. Christine Benz, Morningstar’s director of personal finance and retirement planning, interviews financial experts about different aspects of retirement in ‘How to Retire,’ the companion podcast to her book of the same name. In this episode, Christine sits down with senior nerd at Kitces.com and assistant professor of finance Derek Tharp. They talk through how adjusting your spending throughout your retirement can enable you to spend more in the long run. 00:48 How Actual Retiree Spending Deviates from Conventional Retirement Research 04:05 Why Early Retirees Can Spend More Than the 4% Guideline 05:29 How to Adjust Your Retirement Spending Over Time 09:19 How to Get Comfortable With Variability in Retirement 11:03 How to Transition from Saving to Spending 14:05 How to Account for Long-Term Care in Your Retirement Spending Plan 16:32 Key Takeaways Hi, I'm Christine Benz from Morningstar and welcome to the How to Retire podcast. It's a companion to my book, which is also called How to Retire. Each episode will provide a bite-sized lesson about how to do some aspect of retirement well. Today's episode will focus on how to make sure that the amount that you're spending from your portfolio is reasonable. To tackle this topic, I sat down with Derek Tharp, who is a Senior Research Nerd at Kitces.com and an Assistant Professor of Finance at the University of Southern Maine. I've loved Derek's work on how adjusting your spending in retirement can actually enable you to spend more over your lifetime. I feel like it's so practical and helpful, especially for people with tight financial plans heading into retirement. What are the secrets to a healthy, happy, and wealthy retirement? Find out with Christine Benz’s new book, “How to Retire.” https://linktr.ee/christine_benz More from Derek Tharp Bio https://derektharp.com/ Kitces.com https://www.kitces.com/ Peer Reviewed Research https://derektharp.com/research/ Derek Tharp on The Long View: An Alternative Approach to Calculating In-Retirement Withdrawals https://www.morningstar.com/financial... Read more from Christine Benz. How to Retire: Tips for Entering Retirement https://www.morningstar.com/retiremen... Should Your Retirement Withdrawals Mirror RMDs? https://www.morningstar.com/retiremen... 3 Tricky Decisions for Every Retirement Plan https://www.morningstar.com/personal-... 7 Steps to Estimating Your In-Retirement Cash Flow Needs https://www.morningstar.com/personal-... How to Pay Yourself in Retirement https://www.morningstar.com/retiremen... How Likely Are You to Need Long-Term Care? https://www.morningstar.com/retiremen... Read about topics from this episode. The Psychology of Retirement Income: From Saving to Spending https://www.morningstar.com/personal-... The 4% Retirement Rule Is Just a Starting Point https://www.morningstar.com/retiremen... Watch more from How to Retire. How to Retire: Understand the Role of Working Longer    • How to Retire: Understand the Role of...   Read what our team is writing: Christine Benz https://www.morningstar.com/people/ch... Follow Christine Benz on social media. X: https://x.com/christine_benz LinkedIn:   / christine-benz-b83b523