148. The Silent Fear: Will I Run Out of Money?

The Silent Fear: Will I Run Out of Money? 

You’ve built wealth, worked hard, and invested wisely—so why does the quiet fear of running out of money still creep in? In this episode of The Fit Financial Podcast, Amanda and Shawn Hanquist unpack one of the most common (but rarely talked about) worries: whether your money will last as long as you do. 

What we talk about: 

• Why even successful people fear running out of money 

• The science of sustainable withdrawals (and why the “4% rule” might not be enough) 

• How sequence-of-returns risk can derail a retirement plan if you’re not prepared 

• Why tax strategy and cash-flow planning are essential for peace of mind 

• Practical steps you can take now to feel confident about your long-term plan 

Whether you’re an entrepreneur or pre-retiree thinking about your financial freedom number, this episode will help you understand the strategies that turn worry into clarity. 

Key Takeaways 

• Running out of money is often less about the math and more about mindset. 

• A withdrawal strategy should be flexible, not one-size-fits-all. 

• Smart tax planning—like Roth conversions and asset location—can add years of confidence to your plan. 

• Peace of mind comes from knowing your cash flow, not just your account balance. 

Who This Episode is For 

 If you’ve ever found yourself wondering, “What if I outlive my money?”—this conversation will give you both the reassurance and the strategy to move forward with confidence. 

👉 Tune in, take notes, and discover how to turn retirement into a work-optional lifestyle. 

The Fit Wealth Show is brought to you by Plan Group Financial, Inc. (PGF) d/b/a Fit Wealth Advisors. PGF d/b/a Fit Wealth Advisors is an investment adviser registered under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply any level of skill or training. This presentation has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Past performance is not indicative of future results.