Retirement rarely follows a straight line, and the biggest threats often arrive without warning. This episode explores common retirement disruptions, including health changes, loss of a spouse, market volatility, and rising healthcare costs. The conversation breaks down why planning for a single, best-case scenario can leave gaps and how stress testing different possibilities can reveal blind spots. The hosts also examine alternatives to traditional long‑term care insurance, the trade‑offs of hybrid solutions, and what the NFL Draft can teach us about avoiding small decisions that create long‑term consequences. It’s a wide-ranging discussion focused on preparing for change and understanding how retirement plans need to adapt as life evolves.

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