Kiplinger

How to Spend in Retirement and Still Sleep at Night

My December column, Learning to Live Without a Paycheck, struck a nerve with readers. Jim Barthen, who retired two years ago, writes that he was "truly on edge" the first time he didn't receive a paycheck. "It's really an adjustment, and the statement that the spending barrier is mostly psychological is so true."

A number of you felt uneasy about the observation that retirees may

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