From Saving to Spending: Navigating the Mindset Shift in Retirement

Something More with Chris Boyd · Jul 3, 2026 · 1m

What happens when you finally reach your retirement "number"… and then have to start spending it? In this thoughtful and highly relatable conversation, Russ Ball sits down with Jeff Perry—recently retired financial advisor—to explore one of the most overlooked challenges in retirement: shifting from saving to spending. After decades of focusing on accumulation, the transition to drawing down assets brings both financial and emotional complexities that aren't always easy to prepare for. Jeff shares his firsthand experience navigating those first few months of retirement, offering an honest…