You have enough for retirement. Now, learn how to enjoy it.

Every day, retirees face a surprising but consistent challenge—and it’s not what most people expect. It’s not about whether they’ve saved enough, or if they’ll run out of money. It’s about what happens next: how to actually enjoy the retirement they’ve worked so hard to create.

Too often, retirement becomes a story of caution. People trim their budgets, cut back on spending, and protect their nest eggs at all costs. The result? A retirement lived too small, shadowed by unnecessary fear and missed opportunities.

In The Four Buckets, financial planner Ethan Lohr, CFP® invites you to reimagine what retirement can be. This book isn’t about reckless spending or unrealistic dreams—it’s about giving yourself permission to live more fully, backed by a clear, strategic framework that supports the life you want.

With his signature Four Buckets Retirement Income Strategy®, Lohr helps readers:

• Understand the emotional and psychological shifts that retirement brings
• Identify the hidden risks that can quietly undermine your retirement lifestyle
• Turn your savings into sustainable, behavior-proof income
• Create a tax-efficient plan that supports—not limits—your goals
• Rethink how investing should work after your working years are over

Whether you’re nearing retirement or already there, this book offers the clarity and confidence to move forward—not with fear, but with purpose. Your retirement shouldn’t just be secure—it should be fulfilling. Let The Four Buckets show you how.