September’s already waving goodbye
- sammijo0
- Sep 19, 2025
- 2 min read
Can you believe September’s already waving goodbye? This year has sprinted past faster than a retiree spotting a “2-for-1 breakfast special!"
Life has a way of keeping us all busy, but the last stretch of the year is the perfect time to hit pause, take a breath, and check if your financial ducks are still marching in the right direction.
With only a few months left in 2025, it’s smart to review your goals, make sure your investments are still pulling their weight, and tidy things up before the calendar resets.
At Insure Brokers, we’re not just here to crunch numbers—we’re here to keep you on track, lighten the load, and help you wrap up the year with peace of mind (and maybe a smile).
Don’t outlive your money: The four phases of retirement spending.
Retirement spending doesn’t stay the same throughout life – it moves through four phases. By understanding these phases, you can spend with confidence, adapt as life changes, and ensure your money lasts as long as you do.
“How much can I safely spend in retirement without running out of money?”
It’s the most common – and often most anxiety-inducing – question I hear from retirees and those approaching retirement. And rightly so. Outliving your money is one of the greatest risks you face in retirement.
But here’s the problem: most people treat retirement spending as a straight line. They assume they’ll draw the same monthly amount for 30 years – adjusting only for inflation.
In reality, retirement spending is anything but linear.
Spending tends to follow a pattern – what we call the four phases of retirement. Understanding these phases can help you plan more realistically, reduce the risk of running out, and align your money with your lifestyle.
Insure Brokers
8 Eagle Road, Southbroom
South Africa
The information provided in this newsletter is for informational purposes only and should not be construed as professional advice. While we include links to helpful third-party websites, please note that we don't control or guarantee the accuracy of the information on those sites. We encourage you to reach out to our office if you need personalized advice. We're not responsible for any actions taken based on the information shared here or through the links provided.
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