{"id":3637,"date":"2026-10-18T11:00:00","date_gmt":"2026-10-18T11:00:00","guid":{"rendered":"https:\/\/www.neashaminsuranceagency.com\/blog\/?p=3637"},"modified":"2026-10-18T11:00:00","modified_gmt":"2026-10-18T11:00:00","slug":"us-retirees-revisit-spend-it-all-strategy","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/10\/18\/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\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/glenn-neasham\/die-zero-financial-231b\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>As someone who\u2019s spent over 30 years helping clients navigate retirement planning at Neasham Insurance Agency, I often see the appeal of the &#039;spend-it-all&#039; retirement mindset. It\u2019s understandable \u2014 many retirees end up spending less than the traditional 4% withdrawal guideline, sometimes even holding onto all their original assets well into retirement. Still, memorable experiences and the joy of gifting can bring lasting value in these years. But here\u2019s the challenge: a recent survey shows about 50% of Americans don\u2019t have a written financial plan. Without careful budgeting and savings, this approach can easily go off track. It\u2019s also important to consider that spending and gifting earlier can impact tax efficiency; larger withdrawals may trigger unexpected taxes, and heirs may miss out on the step-up in basis. One effective strategy I\u2019ve seen is purchasing permanent life insurance earlier in life. This not only allows retirees to enjoy their savings but also provides loved ones with a tax-free benefit \u2014 and policy values can be accessed if needed. Smart planning can help you enjoy your retirement while still protecting your legacy.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s spent over 30 years helping clients navigate retirement planning at Neasham Insurance Agency, I often see the appeal of the &#039;spend-it-all&#039; retirement mindset. It\u2019s understandable \u2014 many retirees end up spending less than the traditional 4% withdrawal guideline, sometimes even holding onto all their original assets well into retirement. Still, memorable experiences [&hellip;]<\/p>\n","protected":false},"author":288,"featured_media":3638,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/3637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/users\/288"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=3637"}],"version-history":[{"count":1,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/3637\/revisions"}],"predecessor-version":[{"id":3721,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/3637\/revisions\/3721"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/3638"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=3637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=3637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=3637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}