How to Enjoy Life Now Without Ruining Your Retirement

“How can I enjoy some of my life and my money while I’m young and healthy, without messing up my retirement?” That’s the question one client recently asked, and in this episode, Colin breaks it down. He shares why delaying joy until later doesn’t always make sense, and how smart planning can help you design a lifestyle that balances now and later.

Colin walks through a real case study of a couple in their 60s who wanted more time and freedom now, without sacrificing their long-term security. By optimizing their income streams, including a strategic decision around Social Security, they were able to reduce work hours, keep the same household income, and even lower their tax bill. It’s not a magic trick, it’s what happens when you build a plan around your life, not just your retirement age. 

Here’s some of what we discuss in this episode:

💡 The three phases of retirement 

🧾 The surprising tax perks of smart Social Security timing

🔁 Creating financial flexibility without reducing income 

📆 Why a phased retirement might work for you

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