In this Coffee Break, we welcome back actuary and retirement expert Don Ezra to discuss one of the most important aspects of retirement — how to confidently transition from saving to spending. Drawing from his own experience, Don shares a practical framework he and his wife use to manage their finances, centered around the concept of a “personal funded ratio.” The conversation also explores useful tools such as the Longevity Illustrator, how to think about real estate in your retirement plan, and why many retirees tend to underspend out of fear of running out of money.