Should you use historical or projected returns in your retirement model? One of our listeners asks this question in a very eloquent way.  On this episode of Retirement Answer Man, I’ll spend some time on this question and share my thoughts on which type of model you should use. You’ll also hear the answers to several other listener questions before Kevin Lyles and I discuss tips for having successful conversations with your spouse in retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [1:30] Should we use historical or projected returns? [20:11] What is the intent? [23:00] What I sound like at 75% speed [24:05] How to rank spending priorities [28:24] Insurance options before Medicare [32:14] On estimating longevity in a retirement plan BRING IT ON WITH KEVIN LYLES [35:48] Conversations to have with your spouse in retirement [38:11] Tips for successful conversations [40:42] Questions to ask each other TODAY’S SMART SPRINT SEGMENT [50:32] Review your capital market assumptions Resources Mentioned In This Episode Viking Cruises Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center