If you have a lump sum of money that you will be using to supplement your lifestyle, be aware going into that arrangement and plan for the withdrawals.  For example, have a set amount of money transferred to a spending account each month, rather than simply accessing the savings money whenever necessary.  When you withdraw funds from a savings account for whatever purpose, even money you have diligently saved for something specific, you can have the uncomfortable feeling of watching your money diminish, which can too easily create feelings of scarcity, fear, and/or lack.  The solution is to plan for the withdrawal and to focus on the plan or the reward, not the savings value.

How? If you are funding your lifestyle from a lump sum of money such as in retirement or a temporary leave of absence from work, you still need to know your monthly expense requirements and manage monthly cash flow like you do with regular income.  This means a percentage of the money that you have transferred from your pool of savings is allocated to saving and giving.  This way you maintain some structure and the reduction of capital is part of an overall plan.