What if the biggest risk in retirement isn’t running out of money—but running out of income? On this episode, Steve Hoyl breaks down how annuities, Roth strategies, and tax planning intersect with inflation, rising costs, and uncertainty around Social Security. The conversation covers how different “buckets” of money can be used for income, emergencies, and long-term flexibility, why procrastination creates fewer options, and how taxes can quietly reshape retirement cash flow. The focus stays on real-life tradeoffs, planning for change, and aligning financial decisions with what retirement is actually meant to support.

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