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Think retirement is decades away? Think again. Mel Stubbs breaks down the 10 retirement decisions that can make or break your future — and why federal employees can't afford to ignore them.

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Mel Stubbs, financial planner with Christy Capital Management, joins Marcus Norman on Gentleman Style Podcast to unpack what it really takes to retire well — especially for federal employees. In this must-watch conversation, Mel reveals overlooked decisions, how to calculate your “magic number,” and why tax planning now saves headaches later. From managing debt and making smart car purchases to including your family in your financial legacy, Mel offers a blueprint built on faith, wisdom, and financial clarity.

Marcus Norman is the host of Gentleman Style Podcast, where impactful conversations meet purpose. With guests from finance, healthcare, entrepreneurship, and more, he brings fresh insight to everyday life.

Mel Stubbs is a financial planner at Christy Capital, helping federal employees retire with confidence. He’s also a YouTuber and author of 10 Decisions That Can Make or Break Your Retirement. https://christycapital.com

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