Root Talks: How to Overcome the Scarcity Mindset and Start Spending in Retirement

Ready For Retirement

You’ve worked hard, built wealth, and reached financial security… so why is it still so hard to spend? In this episode, we dive into the unexpected challenge of shifting from a saver’s mindset to actually enjoying your money.
From a millionaire couple hesitating over a $5 bag of M&Ms to a husband upset about a bottle of Fiji water—this is more common than you think! Behavioral finance reveals why past money habits stick with us, even when we don’t need them anymore.
We’ll break down how to retrain your mindset, align spending with what truly matters, and ensure your wealth enhances your life instead of holding you back. Plus, a practical strategy to help you finally enjoy your money guilt-free!
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Timestamps:
0:00 - A scarcity mindset story
2:36 - Comment that sparked conversation
4:12 - Identifying the problem
7:00 - A personal story from James
10:00 - Practical takeaways
12:18 - Make small, aligned shifts
16:14 - An example from Ben
18:04 - Death is coming
19:55 - The wrap-up

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Chapters

1. Root Talks: How to Overcome the Scarcity Mindset and Start Spending in Retirement (00:00:00)

2. Challenges in Spending Habits (00:00:02)

3. Changing Mindsets on Spending Habits (00:12:28)

4. Financial Disclaimer and Advisory Information (00:22:25)