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Decumulation is the process of spending down the assets that you’ve worked so hard to accrue over your lifetime. In retirement, a thoughtful decumulation plan recognizes that for your near-term needs, the return of your money is paramount.

While tactical steps like whether to do a Roth conversion or the proper age to begin taking Social Security tend to steal the limelight, one of the best places to start your plan is improving the quality of your decisions.

I see plenty of folks who have spent their whole lives storing resources for retirement and miss out on life because they worry about the future. Their refusal to consume their resources means they are starving their life experiences.