Jul 3, 2026 · 39 min · 10 segments
Interested in the AIM Retirement System? See if it's a good fit for you → https://aimassessment.com You can do everything “right” and still feel unsure about spending in retirement. That’s why we…
Retirees, when I first speak to them, Wade, they just think that they're not going to spend as much once they get older at retirement.
Is there just a simple math expenses maybe go down one, one and a half percent per year and inflation maybe goes up three percent a year.
So therefore, your expenses are going up, excluding health care, going up maybe one and a half, two percent a year.
Is that a fair estimate? Simple math approach, or is that too simple for you? Probably.
Your expenses still may grow in nominal terms, but when you adjust for inflation, kind of lagging behind inflation by about 1% a year or something along those lines is a reasonable
Okay, so once we get a retiree to understand... what their true need and expenses are.
Now we turn to how are we going to use your assets to wisely spend down? And this is a fantastic topic for me.
You know, this retirement planning guidebook here, this is the second edition, by the way, because I don't want to buy a third edition because of all these tabs I've put on over the years.
You know, you're very good about writing in a way that I think people can understand.
Retirees, when I first speak to them, Wade, they just think that they're not going to spend as much once they get older at retirement.
Is there just a simple math expenses maybe go down one, one and a half percent per year and inflation maybe goes up three percent a year.
So therefore, your expenses are going up, excluding health care, going up maybe one and a half, two percent a year.
Is that a fair estimate? Simple math approach, or is that too simple for you? Probably.
Your expenses still may grow in nominal terms, but when you adjust for inflation, kind of lagging behind inflation by about 1% a year or something along those lines is a reasonable
Okay, so once we get a retiree to understand... what their true need and expenses are.
Now we turn to how are we going to use your assets to wisely spend down? And this is a fantastic topic for me.
You know, this retirement planning guidebook here, this is the second edition, by the way, because I don't want to buy a third edition because of all these tabs I've put on over the years.
You know, you're very good about writing in a way that I think people can understand.
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