Episode 3: Still Anxious About Money in Retirement? It’s Not Just You.

By Unmuted Memoirs | The Inner Exit™ Series

“I’ve saved. I’ve planned. But I still lie awake wondering: What if it’s not enough?”

Welcome to one of the most universal, and misunderstood, fears about retirement:

Running out of money.

Even those who’ve done the “right things” financially can still feel a deep sense of anxiety once the pay cheques stop. Why? Because for many of us, income equals safety. And letting go of that can feel like losing a lifeline.

The Real Issue Isn’t the Numbers. It’s the Narrative.

Fear of financial instability isn’t always rooted in math, it’s often rooted in emotion:

• Fear of being a burden

• Fear of not having options

• Fear of not knowing what comes next

And for mid-career professionals watching the future creep closer, these fears are often masked as overwork, excessive saving, or pushing retirement further and further away.

What to Do Instead: Manage the Mind, Then the Money

Here’s a gentler way forward:

1. Acknowledge the fear without shame. It’s valid — but it’s not permanent.

2. Separate emotional fear from financial fact. Many fears dissolve with clarity.

3. Create a rhythm, not just a budget. Retired life needs flow, not just spreadsheets.

Try This: The Money Fear Reflection Guide

This printable tool will walk you through journaling prompts to unpack where your money anxiety is coming from — and how to reframe it so it no longer controls your peace.

📥 https://www.unmutedmemoirs.com/product-page/the-inner-exit-redefining-retirement-on-your-own-terms

Retirement isn’t about making money stretch thinner, it’s about building a life that fits your values.

And that starts with feeling safe, in your heart as much as your wallet.