Why Retirees Underspend — How to Enjoy Your Money Without Fear

Are you underspending in retirement? Many retirees save diligently for decades but struggle to flip the switch from saving to spending. In this episode of The Capitalist Investor, Tony and Derek reveal why so many people spend less than they could — and how to enjoy retirement without fear of running out of money.

We’ll cover:

• Why retirees underspend even with strong financial plans
• How a Monte Carlo simulation shows what you can safely spend
• The difference between saving for legacy vs. enjoying life today
• Why the first 10 years of retirement are the most important
• Practical financial planning strategies to spend confidently while protecting your future

If you’ve ever wondered “How much can I safely spend in retirement?” or worried about outliving your savings, this episode will give you clarity and confidence. You worked hard for your wealth — now it’s time to enjoy it.