Have you ever worried about money? You’re not alone, especially when it comes to the realities of retirement. Most of us live with that looming question: "How will I live when the paychecks stop?" The answer, or so we’ve been told, is to save, save, save ! Most of us spend our whole lives believing that working more and saving more is the only path to a secure retirement. But here’s a secret: when you’re good at money, retirement is more about spending than saving.  It comes as no surprise that switching from a savings mindset to spending mode when it actually comes time to retire can feel absolutely terrifying. Making that shift isn’t as simple as waking up one day and deciding you’re ready to start spending. There's no shortage of education on how to save, but no one ever teaches us how to spend with confidence once the paychecks stop rolling in. Recently, a YNABer named Frances shared her story with us through our YNAB stories survey —and this one is particularly special.…