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The Saver to Spender Quiz: Enjoy the Life You Earned

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The Saver to Spender Quiz: Enjoy the Life You Earned
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The Saver to Spender Quiz: Enjoy the Life You Earned

Is fear keeping you from spending the money you worked so hard for? Take our quiz to uncover the mindset holding your retirement back.

Donna LeValley's avatar By Donna LeValley Edited by Alexandra Twin Published 5 August 2026 In Features

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You’ve spent 30 or 40 years mastering the art of saving; it's now time to master the art of spending. You built the budget, made the trade-offs and watched your nest egg grow. But now that you’ve reached the finish line, turning off "saving mode" can feel surprisingly unnatural.

If the thought of spending down your hard-earned portfolio causes a pang of anxiety, you aren't alone — in fact, most retirees spend far less than they safely can, shortchanging the very lifestyle they sacrificed to build.

This 10-question quiz is designed to help you identify the subtle psychological traps that keep retirees in perpetual saving mode. Take a few minutes to test your knowledge, unpack the financial mindset holding you back, and learn how to spend with confidence. You earned this life — it’s time to enjoy it.

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Follow the links below to learn more about safely spending in retirement without guilt.

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More on overcoming the fear of spending:

  • The Average Retirement Withdrawal Rate by Age
  • Are You a Retirement Millionaire Too Afraid to Spend?
  • Master the Art of Spending in Retirement
  • The 'Permission to Spend' Rules of Retirement Spending
  • Average IRA Balance by Age and Generation
  • The 'Die With Zero' Rule of Retirement
Get Kiplinger Today newsletter — freeContact me with news and offers from other Future brandsReceive email from us on behalf of our trusted partners or sponsorsBy submitting your information you agree to the Terms & Conditions and Privacy Policy and are aged 16 or over. Donna LeValleyDonna LeValleyRetirement Writer

Donna joined Kiplinger as a personal finance writer in 2023. She spent more than a decade as the contributing editor of J.K.Lasser's Your Income Tax Guide and edited state specific legal treatises at ALM Media. She has shared her expertise as a guest on Bloomberg, CNN, Fox, NPR, CNBC and many other media outlets around the nation. She is a graduate of Brooklyn Law School and the University at Buffalo. 

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