Should retirees chase a headline-grabbing IPO like SpaceX, or focus on protecting the money they’ve already built? On this episode, Eric Hutter explores the balance between speculation and retirement planning, discussing IPO investing, managing FOMO, risk tolerance, and the role of guaranteed-income strategies. He also breaks down a common Social Security claiming question, explains why timing matters, and shares how family involvement can help create smoother retirement transitions and caregiving plans. Whether you're seeking growth or prioritizing protection, the conversation centers on making informed financial decisions.

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