{
  "id": 3301621,
  "title": "Vanguard strategist says retirees need 'a complete mind shift' — and shares 4 principles to ease financial anxiety",
  "url": "https://urgent.news/2026/08/25/vanguard-strategist-says-retirees-need-a-complete-mind-shift-and",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-25T15:50:00.000Z",
  "source": {
    "name": "Yahoo Finance",
    "slug": "yahoo-finance",
    "url": "https://finance.yahoo.com/markets/articles/vanguard-strategist-says-retirees-complete-155000131.html"
  },
  "original_language": "en",
  "account": "Retirees often experience anxiety as they transition from saving to spending their hard-earned money, according to Jeff Bezos-backed platforms and JPMorgan's predictions. Financial strategist Garrett Harbron of Vanguard advises a complete mindset shift to ease this anxiety. He suggests four key principles for mindful money management to ease financial stress in retirement.\n\nHarbron emphasizes the importance of setting goals, creating a sustainable spending plan, ensuring financial security, and anticipating potential risks. He calls this foundation of any successful retirement plan. A target retirement amount, such as $1.46 million, is challenging for many to achieve, but it's not necessary to aim for that figure. Instead, retirees should focus on their unique lifestyle, dependents, location, healthcare costs, taxes, and other income sources.\n\nSeeking help from a financial advisor can make this process easier. A study showed that those who work with financial advisors see 3% higher returns than those who manage their finances alone. For those with over $250,000 in savings, platforms like WiserAdvisor can help match them with suitable FINRA/SEC-registered advisors for free.\n\nHarbron recommends using guaranteed income sources like Social Security, pensions, or annuities to cover essential expenses, ensuring a secure retirement regardless of market fluctuations. The timing of Social Security claims can significantly impact benefits, so retirees should consider their health, longevity, marital status, other income, and investment portfolio when making decisions. Trusted organizations like AARP provide valuable resources and insights to optimize Social Security strategies.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}