Angela and Greg, aged 63 and 65, recently marked their 40th wedding anniversary by sharing a $7 Subway footlong, a reflection of their differing financial philosophies in retirement. Despite having built a $1 million retirement portfolio, Angela feels constrained by Greg's strict adherence to a 3% withdrawal rule, which limits their annual income from savings to $30,000. This conservative approach, stemming from Greg's experiences during his 35 years in manufacturing, contrasts with Angela's desire for a more enjoyable retirement, including spontaneous dinners and trips without financial debates. With a combined income of approximately $78,000 from Social Security and their savings, Angela argues that a 4% withdrawal rate could provide an additional $10,000 annually, enhancing their lifestyle. The couple's situation illustrates a common challenge among retirees who struggle to shift from saving to spending. Financial experts suggest that engaging a financial advisor could help couples like Angela and Greg navigate these discussions, aligning their financial strategies with their retirement goals and fostering a more fulfilling retirement experience.