On this week’s episode:

• Michael Masor explains why dipping into retirement accounts can create long‑term setbacks, even when money feels tight.
• Layoffs, rising costs, and political noise are forcing many people to rethink retirement sooner than planned.
• Learn why “knowing your numbers” is the foundation for managing expenses, income, and unexpected pivots.
• The episode covers sequence‑of‑returns risk, early retirement transitions, and the shift from saving to spending.
• Michael also breaks down Social Security rules, cybersecurity concerns, and how emotional decisions can quietly undermine retirement plans.

Head down your Clear Path to Retirement with Michael today!