How much time are you trading for “just one more year”?

This episode unpacks the real cost of delaying retirement, where people often underestimate expenses, and why clarity, not savings, may be the missing piece. Nolan Baker explores the emotional and financial side of retirement timing, from protecting your “go-go years” to building income plans that account for healthcare, taxes, and market risk. He also breaks down the three phases of retirement, common planning gaps, and why coordinated strategies matter. Plus, a candid look at estate conversations, and what happens when they’re avoided.

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