{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Retirement Answers","title":"The First 5 Years of Retirement Matter More Than You Think","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/ca15886b\"></iframe>","width":"100%","height":180,"duration":1540,"description":"The first five years after you stop working can make or break your retirement—not because of how much you saved, but because of how you start spending it.\nListen in as Jacob breaks down the big shifts that hit early retirees: your investments now need to fund income (and sequence-of-return risk matters), you need a clear income plan with a five-year runway, and this may be the best tax-planning window you’ll ever get before Social Security and RMDs show up. He also explains why spending is often higher than expected early on and why flexibility matters. Finally, he warns against making permanent moves—investment, lifestyle, or relationship decisions—based on temporary market conditions or the emotional adjustment of retirement.\n👉 Work With Us: https://www.rivertreewealth.com/get-started \n\n✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers \n\nEmail: jacob@rivertreewealth.com \nWebsite: https://www.rivertreewealth.com \nLinkedIn: https://www.linkedin.com/in/jacobduke \n\nJacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.\n\nDISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.\n\nTune to find out:\n00:00 Intro\n01:20 Shift From Saving\n02:19 Sequence Risk Explained\n06:01 Income Runway Buckets\n09:29 Tax Planning Window\n13:28 Roth Conversion Strategy\n16:17 Flexible Spending Plan\n19:44 Avoid Permanent Moves\n24:33 Final Thoughts Next Steps","thumbnail_url":"https://img.transistorcdn.com/YnuG4gZSyvFMDTRhl7aBM26xNd92NMFpYdpvqJoCaGU/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNTM0/ZTQ1MWJjYTRlNGU2/MjMzMTM0MDcwNjI2/NDkwYi5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}