Most retirement budgets assume spending is flat.

Real life isn’t.

Research and real-world experience show that retirement spending usually follows a predictable three-phase pattern — often called Go-Go, Slow-Go, and No-Go. Retirees who understand this pattern tend to enjoy retirement more and worry less about running out of money.

Those who don’t often make one of two mistakes: They underspend early and miss their best years — or overspend early and feel trapped later.

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Studies consistently show that inflation-adjusted retirement spending typically declines with age, except for healthcare — which is why separating lifestyle money from care money can dramatically reduce anxiety.