{"id":13,"date":"2026-09-16T11:00:00","date_gmt":"2026-09-16T11:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/rayrodriguezinsurance-com\/2026\/09\/16\/us-retirees-revisit-spend-it-all-strategy\/"},"modified":"2026-09-16T11:00:00","modified_gmt":"2026-09-16T11:00:00","slug":"us-retirees-revisit-spend-it-all-strategy","status":"publish","type":"post","link":"https:\/\/www.rayrodriguezinsurance.com\/blog\/2026\/09\/16\/us-retirees-revisit-spend-it-all-strategy\/","title":{"rendered":"US Retirees Revisit Spend-It-All Strategy"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/ray-rodriguez-4\/die-zero-financial-231b\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>The spend-it-all retirement mindset appeals because some retirees underspend, while memorable experiences and giving can create lasting emotional value throughout later life.<br \/>\nPlanning matters: a current survey found ~50% of Americans lack a written financial plan, and advisers said this strategy demands deliberate budgeting and savings.<br \/>\nMany retirees already withdraw less than the traditional ~4% guideline, and past research found some households still held all their starting retirement assets later.<br \/>\nSpending and gifting earlier can reduce tax efficiency, because bigger withdrawals may trigger taxes and heirs can lose a valuable step-up in basis.<br \/>\nOne adviser recommended permanent life insurance bought earlier, so spenders can leave heirs a tax-free benefit and tap policy value if needed.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The spend-it-all retirement mindset appeals because some retirees underspend, while memorable experiences and giving can create lasting emotional value throughout later life. Planning matters: a current survey found ~50% of Americans lack a written financial plan, and advisers said this strategy demands deliberate budgeting and savings. Many retirees already withdraw less than the traditional ~4% [&hellip;]<\/p>\n","protected":false},"author":325,"featured_media":30,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-13","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/13","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/users\/325"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=13"}],"version-history":[{"count":0,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/13\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/media\/30"}],"wp:attachment":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=13"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=13"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=13"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}