Uploaded March 2026 | Updated September 2026, 3 weeks ago
Most retirement plans assume your spending will keep going up every single year—but that’s not how retirement actually works. Today, I’m breaking down a different way to think about retirement spending based on real data from retirees with over $2 million. Instead of a straight line up, spending tends to follow what’s called a “retirement spending smile”—higher in the early years, then gradually declining over time. I’ll walk you through the three phases of retirement, how spending really changes in each stage, and why this matters so much for your plan. Because when you model your spending more realistically, you may find you don’t need as much as you think—and that could mean retiring sooner than you expected.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
Most retirement plans assume your spending will keep going up every single year—but that’s not how retirement actually works. Today, I’m breaking down a different way to think about retirement spending based on real data from retirees with over $2 million. Instead of a straight line up, spending tends to follow what’s called a “retirement spending smile”—higher in the early years, then gradually declining over time. I’ll walk you through the three phases of retirement, how spending really changes in each stage, and why this matters so much for your plan. Because when you model your spending more realistically, you may find you don’t need as much as you think—and that could mean retiring sooner than you expected.
Follow my page for clear, no-fluff financial planning steps!
Visit for more - wealthrb.com
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through IHT Wealth Management, a registered investment advisor. IHT Wealth Management and RB Wealth Partners are separate entities from LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
#CFP #Financialplanner #retirement #retirementincome #IRS #retirementfinancialplanning
