What will retirement really look like for you?

In this episode of Your Bread & Butter™, we introduce the idea of the “Someday Window”—a simple way to uncover what your retirement lifestyle may naturally become once work obligations disappear. From travel and dining out to hiking, pickleball, and art classes, your “someday” priorities often become your biggest retirement spending drivers.

We also break down what tends to get cheaper in retirement (commuting, work meals, payroll taxes) and what often gets more expensive (healthcare, home repairs, inflation). Plus, we discuss the Retirement Spending Smile—why spending usually rises early in retirement, dips in the middle years, then rises again later due to medical costs.

In this episode, we cover:

✅ The Someday Window + Activity Map✅ What retirement spending actually looks like✅ Work, stop work, or phase out?✅ “Doughphobia” (fear of spending your own savings)✅ What gets cheaper vs. more expensive in retirement✅ Tax-friendly living (“Taxile Living”)✅ The Retirement Spending Smile + Moneymoon Phase✅ A lifestyle cost exercise you can do today

📌 In Part 2, we’ll answer the big question: How much do you need to fund your retirement lifestyle?

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