In this eye-opening episode, we dive into one of the biggest misconceptions in personal finance and retirement planning: retirement spending isn't flat. Learn how the "Retirement Smile"—also known as the Go-Go, Slow-Go, and No-Go Years—affects how much you should spend and when. Discover how dynamic retirement income planning helps you avoid underspending during your healthiest years, and why maximizing experiences can be more valuable than maximizing your Social Security benefits. We'll show you how traditional tactics like the 4% rule and flat annuity income can lead to regret—and what to do instead. Whether you're in your 50s, 60s, or already retired, this is a must-listen for optimizing your retirement lifestyle and avoiding financial regret. 🔔 Subscribe for more personal finance, retirement planning strategies, and smart investing tips!