Most people plan for retirement… but few plan for how retirement changes over time.

In this episode, Brigette Engrstrom breaks down the three often-overlooked phases of retirement—the Go-Go, Slow-Go, and No-Go years, and why understanding them can shape smarter conversations about spending, lifestyle, and health as retirement unfolds. You’ll learn what typically defines each phase, how expenses may shift, and where many retirees are caught off guard, especially when it comes to healthcare and long-term care considerations. This discussion is designed to help listeners think more intentionally about timing, expectations, and communication with family as retirement evolves. Whether retirement is right around the corner or still a few years away, this episode offers a practical framework for thinking beyond a single “retirement number” and instead planning for the different seasons that may come with it.

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