Clearwater Retirement PodcastClearwater Retirement Podcast
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Replacing your paycheck & Retirement isn’t a snow day | You don’t need a million – you need a plan & From saving to spending: the shift that changes everything

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On this week’s episode:

  • Michael Masor explains why replacing your paycheck—not chasing a magic balance—is the foundation of retirement planning.
  • Retirement may feel like a snow day, but the bills never stop coming.
  • Learn why the $1 million retirement myth misses the mark for most Americans.
  • Explore how income planning, Social Security strategies, and annuities can work together to cover lifelong expenses.
  • Michael also covers Social Security bridging, planning for part‑time work transitions, and why retirement costs often rise instead of fall.
  • A practical look at turning savings into sustainable income for a modern, multi‑decade retirement.

Head down your Clear Path to Retirement with Michael today!

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Clearwater Retirement Podcast

Is your retirement plan clear as mud? Need a cleanse from all the noise in the financial world? You’ 
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