In this episode of Wisdom in Wealth, RFG Advisory’s Chief Behavioral Officer, Brendan Frazier, dives into one of the most surprising challenges many retirees face: the emotional struggle of spending their savings. 

Backed by behavioral research, Brendan shares how you can: 

• Label accounts for specific goals to build more spending confidence
• Automate distributions to reduce decision friction
• Build your “spending muscle” with small, intentional actions 

You’ll also hear the real-life journey of Jim and Carol, a couple who found themselves paralyzed by the fear of spending even after reaching their financial goals. Their story is a compelling reminder of how mindset (not just money) can shape the way we experience life after work. 

If you’ve ever wondered why it’s so hard to enjoy what you’ve worked for—or how to help others do the same—this conversation is for you. 

Because at the end of the day, your money is only ever used for two things: to live or to give. And you get to decide how. 

Click play to watch the full episode or explore our library of Wisdom and Wealth episodes.

RFG Advisory is an innovator in the wealth management industry that serves Independent Financial Advisors and their clients. Founded in 2003, RFG Advisory provides Advisors with a turn-key platform to maximize independence, including innovative technology, institutional-caliber investment management, marketing, compliance, business consulting, and operational support. We strive for excellence because your future is our priority!

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