3 Surprises About Retiree Spending Habits
Thu Oct 30 2025
Retirement spending doesn’t move in a straight line. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack why real-life spending zigzags, and how most modern financial plans are rigid, leading to over-saving, over-spending, or both. They also show you how to build a flexible income plan that holds up in good and bad market conditions.
They dig into:
The myth of linear spending and why your first 5–10 years of retirement often cost more than pre-retirement. Healthcare realities: pre-65 coverage, Medicare + supplements, and why medical inflation behaves differently. Six spender profiles (Steady Eddie, Front Loader, Partial Retiree, Shock-and-Adjust, Slow Drifter, Late-Life Riser) and how to know which one describes you. The risk of retiring into a downturn (sequence-of-returns risk) and why “selling to fund spending” can do lasting damage. A simple needs/wants/aspirations framework for retirement that makes adjusting in real time painless. If you want a retirement that funds travel, family, and purpose (without losing sleep over volatility) this episode gives you the playbook to match your spending rhythm with a resilient, flexible plan.
Download the free guide that we’ve paired with this episode!
Subscribe, and leave us a review if this resonated with you!
Share it & leave us a review on Apple or Spotify!
For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land,
The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management.
Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.
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Retirement spending doesn’t move in a straight line. In this episode of Wealth Strategies Unleashed, Robert Gilliland & Karen Heider unpack why real-life spending zigzags, and how most modern financial plans are rigid, leading to over-saving, over-spending, or both. They also show you how to build a flexible income plan that holds up in good and bad market conditions. They dig into: The myth of linear spending and why your first 5–10 years of retirement often cost more than pre-retirement. Healthcare realities: pre-65 coverage, Medicare + supplements, and why medical inflation behaves differently. Six spender profiles (Steady Eddie, Front Loader, Partial Retiree, Shock-and-Adjust, Slow Drifter, Late-Life Riser) and how to know which one describes you. The risk of retiring into a downturn (sequence-of-returns risk) and why “selling to fund spending” can do lasting damage. A simple needs/wants/aspirations framework for retirement that makes adjusting in real time painless. If you want a retirement that funds travel, family, and purpose (without losing sleep over volatility) this episode gives you the playbook to match your spending rhythm with a resilient, flexible plan. Download the free guide that we’ve paired with this episode! Subscribe, and leave us a review if this resonated with you! Share it & leave us a review on Apple or Spotify! For personalized financial guidance, schedule an intro call with our team at Concenture Wealth Management in Houston, Energy Corridor, Sugar Land, The information contained herein is intended to be used for educational purposes only and is not exhaustive. Diversification and/or any strategy that may be discussed does not guarantee against investment losses but are intended to help manage risk and return. If applicable, historical discussions and/or opinions are not predictive of future events. The content is presented in good faith and has been drawn from sources believed to be reliable. The content is not intended to be legal, tax or financial advice. Please consult a legal, tax or financial professional for information specific to your individual situation. This work is powered by Concenture Wealth Management. Registered Representative of Sanctuary Securities Inc. and Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Concenture Wealth Management is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.