14 Cons of Retirement That Nobody Talks About and Their Solutions

Solution: Create a Budget

To avoid feeling guilty about spending your retirement savings, Byrke recommends developing a minimum and maximum budget based upon assets and retirement income sources. Then set a monthly spending goal.

“It seems odd that this is a problem when Americans, in general, are unprepared for retirement,” he said. But people who have a fear of spending their savings can miss out on life goals and enjoyment if they don’t make an effort to use their money.

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