Is checking off bucket‑list dreams worth the price tag in retirement? This episode with Ryan Moore blends real‑world retirement myths with candid conversations about spending, Social Security fears, healthcare costs, and the psychology behind enjoying money after years of saving. The discussion challenges common assumptions—like the 4% rule, retiring with millions, or spending less later in life—while exploring how intentional planning can turn savings into meaningful experiences. Listeners hear why clarity, income strategy, and flexibility matter more than chasing perfect numbers, and how separating fact from fiction can reshape how retirement really feels.

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