It’s about creating structure around enjoyment — whether you’re still earning actively or living off investments. If you’ve ever struggled to spend money even when you clearly have the capacity to, this conversation might shift your perspective.
WHAT YOU’LL LEARN:
- Why high earners and “pathological savers” often struggle to enjoy their wealth.
- How the 5-10% of net income rule creates structured discretionary spending.
- How to separate core expenses, investing, and joy spending into clear buckets.
- How the 0.1% rule works alongside the 4% retirement withdrawal rule.
- What quarterly vs. monthly splurge spending looks like on a $5 million portfolio.
- How market volatility reframes small indulgences psychologically.
- Why retirees often struggle more with spending than active earners.
Tags:
medspa, cash flow, discretionary spending rule, 0.1% rule, 4% withdrawal rule, portfolio drawdown strategy, retirement income planning, high income savers, lifestyle creep prevention, financial behavior strategy
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