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Retirement isn’t just one long stage of life - it typically unfolds in three distinct phases: the Go-Go Years, the Slow-Go Years, and the No-Go Years. Understanding these stages can help you plan your finances, lifestyle, and expectations for retirement much more effectively. In this video, we break down how retirement evolves over time, how spending patterns change, and why planning for each phase is essential for long-term financial security. We'll discuss: • What the Go-Go Years look like and why spending is often highest during this phase • How life and finances shift during the Slow-Go Years • What typically happens during the No-Go Years • Why many retirement plans fail to account for all three phases • How understanding these stages can help you build a smarter retirement plan Whether you’re approaching retirement, already retired, or planning decades ahead, knowing how these stages work can help you make better decisions about saving, investing, and spending in retirement. We are Richard and Jackie and we live in the UK. We retired from teaching at the age of 51 in the summer of 2022. Our plans for early requirement include relocating to the Yorkshire Dales, developing our forever home and travelling the UK, Europe and eventually the world in our VW campervan Nelson. Please subscribe and like our videos if you like what you see. Check out our blog http://earlyretirementwanderlust.com ✅ Our exclusive Early Retirement Wanderlust Sweatshirts, Hoodies and T-shirts are available here: https://early-retirement-wanderlust.t... ✅ No Fuss Travel Guides: https://nofusstravelguides.com Use the checkout code WANDERLUST to receive a free travel map with each purchase and free tracked delivery. To access this offer you must add both the book AND the map to your basket before checking out with the code ✅ We are proud to be ISOBAA merino wear ambassadors- we really do wear it all the time and we love the brand. Please use this link: https://www.isobaa.com/?ref=ERW25 and use the ERW25 discount code for 25% off your first full price order. Resources discussed in our videos can be found here: https://www.amazon.co.uk/shop/earlyre... Please be aware that by using this link, we may receive a small affiliate fee from Amazon to help support the channel. The price you pay to Amazon remains the same as the price if you were to search it directly from the Amazon store. Many thanks, Richard & Jackie Timeline: 00:00 The 3 Phases of Retirement 02:04 The Go-Go Years of Retirement Explained 05:48 The Slow-Go Years of Retirement Explained 09:57 The No-Go Years of Retirement Explained 14:16 Our Final Thoughts on the 3 Phases of Retirement