Retirement is supposed to be the reward for decades of work, yet many people find themselves feeling guilty every time they spend. After years of saving and being careful, it’s hard to flip the mental switch from accumulation to enjoyment. Fear of running out of money, unpredictable medical costs, and market downturns only add to the anxiety. But the truth is, retirement spending can be both responsible and guilt-free with the right guardrails. These nine rules help retirees spend with confidence while protecting long-term security.
