Video · 12 min watch
Spending Seasons: Why Your Money Shouldn't Last Forever
The go-go, slow-go, no-go framing is right about timing and wrong about nerve.
By Ryan Scott
Video coming to this page. Notes below.
Conventional advice smooths spending across retirement like peanut butter. Real life is not smooth. Capability is front-loaded, and money spent in the first decade buys dramatically more life than the same money spent in the fourth.
This video walks through the season framework: the Capability Decade, the Comfort Decade, and the Care Decade — and how to deliberately overspend in the first without endangering the third.
It also covers the two guardrails that make front-loading safe: a floor you never touch, and an annual re-rate that lets you throttle back without panic.
Where do you actually stand?
The free Retirement Reality Check scores all five categories and names your primary risk.