Is retirement really the phase where you spend less, worry less, and let investments do all the work? Gerry Ricken and Heidi Ricken Provost continue their conversation on common retirement myths—tackling Social Security fears, spending assumptions, and the belief that investments alone equal a plan. They break down why timing, income strategy, taxes, healthcare, and lifestyle choices all matter, and why retirement decisions are rarely one-size-fits-all. This episode reframes how to think about retirement planning beyond headlines and assumptions.

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