LibraryScenariosWhy spending retirement savings feels morally wrong
Scenario

Why spending retirement savings feels morally wrong

I worked my whole life to have enough money to retire and now that I have it I feel guilty every time I spend any of it.

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More people experience this than they realize.

What we've seen

The psychological shift from accumulation to depletion violates deeply internalized values about money as security and virtue.

Ideas that help explain it
Worth thinking about

“Where Are You with Money in retirement — making it last?”

If this sounds familiar, the Library can help you find the bigger picture.