David Blanchett

speaker

252 appearances 2 recordings 1 series first heard Oct 2025 last heard 18 Jul

David Blanchett’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 2 in all, peaking in Jul 2026 with 1.

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Motley Fool Hidden Gems Investing · Enjoying a Richer Retirement, and an IRA Scam · 11 Oct 2025 podcast

What that'll do probably is free up a lot more money for you earlier in retirement.

It does.

I mean, you need about 25-ish percent less, right, when you retire.

Because what's really a really neat thing here is, right, like Social Security retirement benefits.

I know that there's like a hot mess with the trust fund.

Let's ignore that for now.

Right.

Like they are indexed by the full CPI.

right?

And so what happens here is like your savings, if we just assume you get your raises with social security, then the role of your portfolio changes dramatically, right?

The portfolio now has to maintain a constant nominal amount of income potentially versus one that increases by inflation.

And that can make it where you're going to have a much lower level of savings when you first retire.

So to your point, you can retire earlier, you can spend more.

And the key here is like,

The rule is you will spend less.

The exception is you will spend more.

So I just think that like people like this is a very common phenomenon that is not often incorporated in financial plans.

I mean, I still even do write papers where I assume it increases by inflation because everyone expects that.

Right.

But I think the problem is, is that just not an economic reality.

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