Overspending / Under-spending Schedule an Introductory Call or Virtual Meeting Overspending is having the belief that you will die early and/or you will earn a high rate of return on your investment portfolios. As such, you will withdraw too much from your portfolios on an annual basis.Under-spending is defined as being overcome by the fear of running out of money, therefore not taking sufficient withdrawals to enjoy retirement.All expenses are not the same. How much are your need expenses and want expenses? Let's Get Started Name Email Address Phone Question Thank you! Oops!