Most advisors say save every penny in retirement. I say spend more in your 60s—strategically. 💰 If your goal is a retirement you actually enjoy and a lower lifetime tax bill, this matters. Your 60s and early 70s are your go-go years—when you still have the health and energy to travel, explore, and create memories. But by your mid-70s and beyond, most retirees naturally spend less because their lifestyle slows down. So the real risk isn't spending too much early. It's saving experiences for a se
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