On this episode:

• Why retirees keep making the same mistake: Your money keeps growing, but fear holds you back from spending—until you realize the real risk isn’t spending too much, it’s not living enough.
• The Roth conversion timing trap: Move too slowly and taxes explode later; move too fast and Medicare costs jump—finding the right window can save tens of thousands over retirement.
• Why fees feel invisible but hit hard: Like Medicare, the more you have, the more you pay—often for the same service—raising the question of what your advisor is really earning each year.

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