“Die with zero does not mean reckless spending. It means thinking intentionally about how to use your money for experiences, family, giving, and purpose while still protecting your retirement plan.”

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CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.

⏱ TIMESTAMPS
0:00 Federal Employees and the Fear of Spending in Retirement
1:12 What “Die With Zero” Really Means for Retirees
2:24 Why Federal Retirees Often Hesitate to Spend
5:56 How to Give Yourself Permission to Enjoy Retirement
8:10 Building a Written Retirement Income Plan
9:24 Planning Travel, Experiences, and Meaningful Spending
12:39 How to Spend Earlier Without Risking the Future
14:19 Family Experiences, Gifting, and Creating Memories
17:40 Charitable Giving and Purposeful Retirement Spending
21:40 Health Tip: Beets, Brain Health, and Athletic Stamina
24:48 Final Thoughts on Spending, Saving, and Living Well

Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.

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