How Should I Invest Retirement Accounts That I Don't Rely On For Income?

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Some people get to retirement and find that a pension, social security, or other fixed income source will cover most or all of their monthly expenses, yet they still have 401(k)s, IRAs, or other investment accounts built up from years of diligent saving. So, how does one invest money that they don't need for income?
A financial planner's favorite answer of course: it depends!
In this video Jake talks about 3 things to consider that may guide your decision on how to invest this "extra" money.
Keep in mind this video is meant to be educational and informative, not personalized financial or investment advice. Consult with a licensed professional familiar with your goals for recommendations.
0:00 Introduction
1:35 Do you WANT to spend more?
2:20 4% rule assumptions
2:48 Guardrails
4:00 Leaving a Legacy
5:00 Roth conversions
5:39 QCDs
6:27 Donor Advised Fund
7:19 Overlooked & Unexpected Expenses
8:35 COLAs
9:31 Non-recurring Expenses
10:40 • 3 Signs You Should STO...

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