What happens when your retirement dreams collide with real‑world risks? On this episode, Derrek Caldwell breaks down the hidden factors that determine whether your nest egg can truly support your lifestyle. From understanding sustainable withdrawal rates to avoiding risky overspending traps, they reveal how tools like fixed index annuities, long‑term care planning, and realistic budgeting shape a stable retirement. They also discuss the emotional and financial weight of caregiving and why preparing early matters. A straightforward, eye‑opening conversation for anyone rethinking their retirement strategy.

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