World 05 · Enjoy
Enjoy it without flinching.
You spent decades saving the money. The plan should help you feel comfortable actually using it.
This is the World everything else exists for.
What it covers
How Enjoy is built.
Permission
Know what you can spend
See what your money can actually support, so spending doesn't always come with a second guess.
Timing
Use the good years
You won't have the same health and energy forever. Do more of the things you want to do while you can still enjoy them.
Room
Money for living
Travel. Family. The lake house. Whatever matters to you. Some of your money should have a job other than growing.
Inside this World
The planning that lives in Enjoy.
This is where we get specific about what you want your money to actually do.
Know what you can spend
Not just whether you're going to be okay. What can you actually spend each month or year and still feel confident about the future?
Plan for the things you want to do
Travel. A lake house. Taking the whole family somewhere. Whatever you've been saving for belongs in the plan.
Use the good years
You're probably going to have more energy at 65 than 85. If something matters to you, we want to understand when you want to do it, not just whether you can afford it.
Give while you're here
Help your kids. Pay for the grandkids' education. Give money away while you're still here to see what it does, if the plan says you can.
Plan for your time, too
Retirement gives you something besides money: time. We want to understand what you actually want those days to look like.
Know what happens when things change
Markets will have bad years. Life will surprise you. We want you to know what would need to change, what wouldn't, and what options you have.
The thinking
How we think about it.
Permission takes more than a number
You spent decades learning to save. Feeling comfortable spending doesn't happen the day you retire. A good plan helps you understand what you can spend and why you can afford to spend it.
What strong looks like
You know what you can spend. You know what it's for. And when you use it, you don't have to wonder if you're making a mistake.
Try it on your numbers
The tools for this World.
Floor Coverage Planner
What could close the gap? Six ways people close a gap between their checks and their bills. Slide each one and watch the gap fill.
Open the tool →Income Floor Calculator
Will your checks cover your bills? Your bills every month, and the checks that come no matter what. Slide through the years and see.
Open the tool →Five Worlds Primer
How far along is your plan? Five worlds your money lives in, and the plain statements that go with each. Tap what is true for you.
Open the tool →Talk through what you want retirement to look like.
Give us an hour. Tell us what you've built, what you want to do with it, and what still makes you hesitate.
We'll help you start connecting the money to the life you actually want to live.
For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.