We don’t want to leave a big inheritance. What should our cash flow strategy be in retirement?

Not everyone is trying to grow the largest possible estate; some couples would rather spend their money while they are around to enjoy it and leave only a modest inheritance behind. For them, the usual approach of working backward from a target retirement income can be the wrong starting point. The piece suggests flipping it around and building a cash flow plan from expected expenses instead, so that spending is anchored to the life they actually want rather than to an arbitrary income figure. That shift in framing changes how savings get drawn down and how comfortable a couple can feel spending more freely. It is a refreshing read for people who have saved well, do not see a large bequest as the goal, and want a practical way to give themselves permission to use what they have built.