Switching from saver to spender isn’t a light switch—it’s a plan. In this week’s Money Made Modern, I sit down with CFP® Sheridan Murphy to tackle the real questions mid-60s retirees ask: “How do I replace my paycheck? From where? And in what order?” We unpack bucket strategies, tax-smart withdrawals, and when tools like Social Security, pensions, annuities, Roth conversions, and HSAs make sense—no hype, just what works. If your goal is a SWAN plan (Sleep Well At Night), this one’s for you. Call 800-910-6286 to see how an independent, product-agnostic approach can turn your savings into durable income. Visit ModWealthMethods.com.

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Sheridan Murphy, a certified financial planner, discusses the complexities of retirement planning, emphasizing the importance of understanding inflation, creating sustainable income, and the role of communication in couples' financial decisions. He debunks the myth of needing a million dollars for retirement, highlights the significance of health and purpose in retirement, and explains strategies like Qualified Charitable Distributions (QCDs) and effective budgeting. The discussion also covers the impact of withdrawal rates and the necessity of diversification in investment strategies. Call (800) 910-6286 or visit ModWealthMethods.com.

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