# Helping Retired Clients To Actually Start Spending (And Enjoying) Their Money: Kitces & Carl Ep 178 Page: https://stenobird.com/podcast/kitces-and-carl-real-talk-for-real-financial-advisors-87553/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178 Text version: https://stenobird.com/podcast/kitces-and-carl-real-talk-for-real-financial-advisors-87553/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178.md Podcast: [Kitces and Carl - Real Talk for Real Financial Advisors](https://stenobird.com/podcast/kitces-and-carl-real-talk-for-real-financial-advisors-87553) Published: 2025-11-27T11:00:00+00:00 Episode link: https://kitcesandcarl.libsyn.com/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178 Audio file: https://traffic.libsyn.com/secure/kitcesandcarl/KCP178.mp3?dest-id=1362281 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/kitces-and-carl-real-talk-for-real-financial-advisors-87553/episodes/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178 Duration seconds: 1875 ## Resource In the 178th episode of Kitces and Carl , Michael Kitces and client communication expert Carl Richards discuss why many retirees struggle to spend the money they spent a lifetime saving—and how advisors can help. For full show notes, see kitces.com and thesocietyofadvice.com . ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/kitces-and-carl-real-talk-for-real-financial-advisors-87553/episodes/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/kitces-and-carl-real-talk-for-real-financial-advisors-87553/helping-retired-clients-to-actually-start-spending-and-enjoying-their-money-kitces-carl-ep-178.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.