
EP: 2393
Your Retirement Number Might Be Off – Here’s What to Do Instead⎟Ep. 2393
Most people think retirement spending is a straight line… but it’s not.
In this episode, Ed and Andrew break down the three stages of retirement – the Go-Go, Slow-Go, and No-Go years – and why understanding this simple framework could dramatically change how much you actually need to retire.
You’ll learn:
-The 3 stages of retirement
-Why retirees typically spend 15–40% less over time ... and what NZ data shows
-How this one insight could reduce your required retirement savings by over $200k
The big idea? You don’t spend the same amount forever ... but you still need a plan that reflects reality, not a straight line.
Want to find out how much you'll need to save each week until retirement? Use our retirement calculator to find out.