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Podcast: Retire Smarter
Episode:

The Retirement Spending Myth: Why the 80% Rule Gets It Wrong
Category: Business
Duration: 00:20:56
Publish Date: 2026-03-05 14:19:47
Description:

Most retirement plans assume your spending will stay flat, or that you will need about 80 percent of your pre-retirement income.

But retirement does not actually work that way.

In this episode, Tyler Emrick, CFP®, CFA®, explains what the research shows about how retirement spending changes over time and why relying on outdated rules like the 80 percent rule can lead to over-saving and under-living or under-planning altogether.

Drawing on research from David Blanchett’s Retirement Spending Smile, Morningstar data, and EBRI studies, Tyler covers:

  • Why retirement spending is not a straight line
  • How spending often declines in mid-retirement and rises again later
  • The Go Go, Slow Go, and No Go phases of retirement
  • How fear of running out of money causes many retirees to under-spend
  • A practical way to estimate your real retirement spending needs

 

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