▸▸▸▸▸▸ Enrollment for Your First Rental Property just closed — get on the waitlist for the next one 👉 https://courses.affordanything.com/ Joe and I tackle questions about the complexities of early retirement at age 60 and the most efficient withdrawal strategies for lifelong security. This episode explores both the technical and psychological aspects of "spending down"—from balancing Social Security timing with your investment accounts to deciding if you should spend every last penny before you’re gone. We’re breaking down the numbers to help you create a "happiness factory" in retirement. Resources Die with Zero, a book by Bill Perkins 👉 https://amzn.to/3P1ydBS Listen to Kip’s previous question 👉 https://affordanything.com/episode627 Stay in the Loop 👉 https://affordanything.com/newsletter Join the YFRP waitlist 👉 https://courses.affordanything.com/ Don’t miss the YFRP Webinar! 👉 https://affordanything.com/rental2026 Chapters (0:00) Introduction (2:06) Mike asks: How do you mathematically die with zero? (4:04) The "Jagged Edge": Why efficient withdrawal rates cause anxiety (10:00) Spending Stages: Is your 90-year-old self a different person? (15:00) The Paul Merriman Rule: Why vitality changes your math (20:00) The "Double Hit" of long-term care planning (26:03) Kip’s U-Turn: What happens when you love the job you tried to quit? (35:00) The Identity Crisis: Is it the work, or is it the autonomy? (40:03) Managing the Chaos: Renovations, contractors, and sanity (53:05) Jesse asks: The strategic bridge between Roth IRAs and Brokerage accounts #retirementplanning #diewithzero #financialadvice #wealthmanagement _______________ Subscribe via Apple Podcasts: https://affordanything.com/applepodcasts Full show notes for the episode: https://affordanything.com/episode710 Get our show notes in your inbox: https://affordanything.com/shownotes Follow us! IG: https://instagram.com/paulapant Twitter: https://twitter.com/affordanything FB: https://facebook.com/affordanything Community: https://affordanything.com/community