# Retirement savings: How to spend without running out

> Retirement experts show how to spend your savings without risking financial ruin
- Title: Retirement savings: How to spend without running out
- Summary: Retirement experts show how to spend your savings without risking financial ruin Calculate your annual spending budget to avoid running out of retirement…
- Keywords: retirement, savings, spending, retirement coach, financial planner, retirement pot, budget, news, entertainment, spend, without, running
- Source: Dailymail — https://dailymail.com/money/pensions/article-16127627/Why-youre-missing-best-retirement-Experts-reveal-loosen-purse-strings-without-running-money.html?ito=1490&ns_campaign=1490&ns_mchannel=rss
- Published: 2026-09-16T13:07:44+00:00
- Read time: 1 min
- Topics: retirement, savings, spending, retirement coach, financial planner, retirement pot, budget, news, entertainment
## Retirement savings anxiety
Hardworking couples save decades but struggle to spend retirement funds

> A lot of clients in their 80s and 90s have a lot of money that they haven't had the confidence to spend
## One in four retirees
Research shows one in four expect to be reluctant to use retirement savings
## Tax trap risk
Unspent savings could be taxed if not spent before retirement ends
## Budgeting for fun
Financial planners help calculate how much to spend on activities without running out
## Retirement pot stretch
Track daily expenses to determine annual spending budget for retirement
## Key takeaway

Calculate your annual spending budget to avoid running out of retirement savings