Align Your Social Security with Your Retirement Spending Phases: What NCTeachers Must Know

Many North Carolina teachers believe Social Security is simple—just pick an age and start collecting. But the truth is, the timing of your Social Security benefits can make or break your retirement income.

In fact, up to 85% of your Social Security can be taxed if you don’t plan carefully. The key? Aligning your Social Security with your retirement spending phases.

The 4 Retirement Spending Phases

1. Go-Go Years (60s to early 70s):
   Higher spending on travel, hobbies, and experiences. Smart move: Consider delaying Social Security and drawing from taxable accounts first.
   
   

2. Slow-Go Years (Mid-70s to early 80s):
   Spending slows, but Social Security becomes a steady base.
   
   

3. No-Go Years (80s and beyond):
   Big expenses drop, but healthcare costs rise. RMDs kick in, and tax planning becomes crucial.
   
   

4. Legacy Years:
   When your focus shifts to leaving a legacy for heirs or supporting causes.
   
   

Why This Matters for NC Teachers

As a teacher, you may have a pension, a 403(b), or other savings—but it’s the order of withdrawals that can make a huge difference in taxes.

This strategy isn’t just for future retirees—it’s for anyone already retired too. You can still shift your withdrawal pattern to reduce taxes and optimize your income.

Want to Learn More?

We covered this exact topic in a recent Retirement Ready session—and the replay is now available!

🎥 Watch the replay here

You’ll walk away with clear, actionable strategies to protect your retirement income—and make the most of your Social Security benefits.