Summary In this episode of the Human vs Retirement podcast, Dan interviews author and fintech founder Abraham Okusanya. Abraham is the founder and CEO of Timeline, a technology platform designed to help retirees invest and spend with confidence, and author of Beyond the 4% Rule. Dan and Abraham discuss the obstacle of spending money with freedom in retirement, and how retirees are on the whole far too conservative when it comes to spending their savings, particually during their best years. What You'll Learn The listener will learn about retirement planning, including overcoming behavioural, emotional, and financial challenges. The episode covers topics such as the importance of not being too conservative with spending, the cautionary nature of human beings, the myth of U-shaped spending, the fear of unmanageable care costs, giving during one's lifetime, aligning money and time with values, and the role of human financial advisors. The episode also discusses the 4% rule for retirement spending, improvements to the rule, and a more dynamic approach to retirement spending. About My Guest Abraham is the founder and CEO of Timeline, a financial technology company on a mission to help millions of people face retirement with confidence. The company currently manages over £2bn in client assets. He is the author of 'Beyond the 4% Rule: the science of retirement portfolios that last a lifetime' and has delivered talks to the Financial Conduct Authority (FCA), Personal Finance Society (PFS), The Association of British Insurers (ABI), Chartered Institute for Securities & Investment (CISI) and conferences in around the world. He holds a master's degree from Coventry University and an alphabet soup of designations, including the Investment Management Certificate (IMC), Certified Financial Planning, Chartered Financial Planner and Chartered Wealth Manager. Find out more: www.humansvsretirement.com

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