aenlighten
Recycles dryer sheets
- Joined
- Apr 1, 2007
- Messages
- 275
Money flow in retirement can be rather lumpy since there are different ages for different accounts and sources of funds. I was wondering how many adjust or plan to adjust their spending to their income, versus how many attempt to smooth their spending for a constant standard of living, plan to spend more up front, or plan to spend more later or leave an estate. Currently, I adjust my spending to my income, and it will rise as more things kick in, and it should continue to rise over time even though leaving an estate is not my intent. This seems a good fit for my desires and risks retiring early. The permanent income hypothesis doesn't seem too relevant to me, though maybe I am just telling myself I will spend more later.