Retirement is about so much more than money—it's a complete life transition.

In this episode, I'm sharing my recent conversation with Adam Cmejla, where we explore the often-overlooked aspects of retirement planning.

We discuss:

‣ Why retirement can feel like a grieving process—and how to navigate it

‣ The surprising role responsibility and community play in long-term happiness

‣ Smarter ways to approach Monte Carlo simulations, taxes, and cash management

We also share our favorite retirement and investing charts that reinforce the principles essential to keeping financial plans grounded.

Whether you’re 10 years out from retirement or already there, this conversation challenges common assumptions and offers a helpful perspective on this stage of life.

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SCHEDULE YOUR FREE DISCOVERY MEETING:

My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.

The result?

Smarter tax strategies, better investment decisions, and a more confident retirement.

If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.

👉 Schedule a Complimentary Discovery Meeting

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EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Get Your FREE Retirement & Tax Analysis!

Required Minimum Distributions (RMDs) could force you to withdraw as much as 15% of your retirement account balance in a single year.

But do RMDs really put you at risk of outliving your money?

Why does the IRS expect you to live so much longer than the Social Security Administration does?

And what proactive steps can you take before age 73 to avoid giving the IRS more than its fair share?

In this episode, I'm unpacking:

‣ How RMDs are actually calculated

‣ Why the IRS tables are more conservative than most people realize

‣ The pros and cons of using RMDs to build a dynamic withdrawal strategy

I'm also sharing tax planning tips and strategies for navigating your RMDs.

If you're concerned about how RMDs might impact your retirement plan—or you're looking to optimize your tax situation before they kick in—this episode is for you.

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SCHEDULE YOUR FREE DISCOVERY MEETING:

My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.

The result?

Smarter tax strategies, better investment decisions, and a more confident retirement.

If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.

👉 Schedule a Complimentary Discovery Meeting

***

EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Get Your FREE Retirement & Tax Analysis!

Is retiring in your 50s actually realistic for everyday Americans?

According to a recent NerdWallet survey, the average target retirement age for households earning $100,000+ isn't 65—it's 58.

And these aren't tech moguls or lottery winners.

They're teachers, small business owners, and dual-income couples who’ve steadily built their nest eggs and now want to enjoy their healthy, active years while they can.

But retiring in your 50s requires a very different kind of plan.

One that accounts for early withdrawal penalties, health insurance gaps, and delayed Social Security.

These obstacles are the "triple threats" of early retirement.

In today’s episode, I’ll share how to combat them and provide a simple 5-step process for turning your retirement vision into a reality.

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SCHEDULE A COMPLIMENTARY DISCOVERY CALL:

Looking to hire a retirement and tax planning expert?

We help 100+ families across the country navigate retirement, optimize investments, and reduce taxes.

🗓️ Schedule a Complimentary Discovery Meeting to Learn More.

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EPISODE RESOURCES:

→ Grab the Episode Show Notes

→ Join the Stay Wealthy Retirement Newsletter

→ Get Your FREE Retirement & Tax Analysis!