11-12-25 How to Spend Without Regret: Strategies for Enjoying Retirement

Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you’ve achieved financial independence.

Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt:
Why it’s okay to enjoy what you’ve earned
How to enjoy your wealth without overspending
The emotional side of leaving the “accumulation” mindset
Practical withdrawal and income strategies for peace of mind

0:00 - INTRO
0:19 - A Deluge of Data Coming
4:36 - Market Rotations and Maintaining Momentum
8:48 - Tariff Rebates & 50-Year Mortgages
15:43 - Spending in Retirement Without Regret
20:15 - What Will You Do in Retirement?
21:22 - Mrs. Roberts' Wiffleball Tournament
24:15 - What Will You Do with Your Time & Money?
26:24 - The Question of Longevity in Retirement
29:13 - It's Okay to Touch the Principle
32:43 - The Need for an Advocate
34:46 - Budgeting in Retirement
37:26 - What Do You Want to Do in Retirement?
40:01 - It's Okay to Spend Your Money

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Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP
Produced by Brent Clanton, Executive Producer
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Watch Today's Full Video on our YouTube Channel:
   • 11-12-25 How to Spend Without Regret: Stra...  
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The latest installment of our new feature, Before the Bell, "XLE Energizes Markets," is here:
   • 11-12-25 XLE Energizes Markets | Before th...  
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Our Previous Show, "Old-School Money Rules Our Kids Need to Hear," is here:
   • 11-7-25 Top 3 Financial Guardrails You Sho...  
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