The Shift From Saving To Spending

Retirement Done Right w/ David & Pat

Retirement Done Right w/ David & Pat
The Shift From Saving To Spending
Aug 03, 2026
David Rath, CMT, CFA & Patrick Kalish, CFP®

In this episode of Retirement Done Right, hosts David Rath and Pat Kalish explore a powerful quote from a real retiree: "The first year was terrifying—worrying about running out of money and what I was going to be doing with my life. But I've settled in nicely, year three."

This episode unpacks the two biggest challenges retirees face: the financial fear of running out of money and the emotional struggle of losing your identity.

In this episode, we cover:
• Why retirement anxiety hits even financial professionals who "know" they have enough
• How to shift from thinking about assets to thinking about income (and why it matters)
• The importance of creating a structured retirement paycheck
• Why you need to retire to something, not from something
• The hidden threat of sequence of return risk in your early retirement years
• The most common regret: "I wish I did it sooner"

Whether you're years away from retirement or already there, this episode will help you understand the emotional and financial transition—and how to navigate it with confidence.

Resources:
Visit contwealth.com for more articles, guides, and tools to help you build a confident retirement.

Disclaimer: The information provided is for educational and informational purposes only and does not constitute investment advice. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. Continuum Wealth Advisors, LLC is a registered investment advisor. Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.

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Disclosure

The information provided is for educational and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, or investment horizon. You should consult your attorney or tax advisor. 

Continuum Wealth Advisors, LLC (“Continuum”) is a registered investment advisor. Advisory services are only offered to clients or prospective clients where Continuum and its representatives are properly licensed or exempt from licensure.

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