Most retirees worry so much about running out of money that they accidentally waste the years when they’re healthiest — the “go-go years” they’ll never get back.

But timing your spending the right way can change your entire retirement experience.

Here’s how to enjoy more now and protect yourself later.

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Poll Of The Day

Fun Fact Of The Day

A major retirement study found spending drops by about 20% between ages 65 and 80, mainly because travel, dining out, and leisure activity naturally decline — giving retirees more room to invest early in meaningful experiences.