What happens when smart retirement decisions collide with real‑life fears? This episode from this past weekend’s radio show dives into the tension between tax strategy, Social Security timing, and the emotional roadblocks that keep retirees from spending confidently. Mike Douglas breaks down why withdrawal plans matter, how long‑term tax thinking can reshape your future, and why delaying major life goals can come at a cost. From Roth conversions to spending fears to Social Security regrets, this episode reveals the mindset shifts that help retirees navigate uncertainty with clarity.

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