What do brunch budgets, bull markets, and tax traps have in common? In this episode of Retire South Florida, Joe and Julia Valenzuela break down the emotional pitfalls of market timing, the realities of millennial spending, and the critical importance of retirement math. From managing lifestyle expectations to navigating taxes on everything from Social Security to home sales, this episode offers a practical roadmap for building a resilient retirement strategy—without relying on hope or hype.

For more information, please visit ValenzuelaFinancial.com!