Increase spending, increase giving and/or add to tax efficient index funds in a taxable account. If all of your basic spending is covered by "guaranteed" income streams you could choose to let your AA float in taxable accounts.
We have been retired for 14 years and have found that as we age we do less ourselves and hire people to do more things for us. We also find that we are increasing our giving - both charitable and to family members - and are taking longer vacations. None of this was planned, we just do it instinctively.
Has anyone else noticed similar patterns with their spending?
Statistics: Posted by dkturner — Sat Jan 24, 2026 11:28 am — Replies 15 — Views 1542