A 40-year retirement sounds like a stretch, until you realize it’s already happening. This episode explores how longer lifespans are reshaping retirement planning, from managing decades of income needs to navigating rising healthcare costs and inflation. The conversation highlights why relying on market performance or old rules of thumb can leave gaps, especially as pensions become rare and Social Security faces uncertainty. With more responsibility shifting to individuals, building a plan that accounts for longevity, volatility, and unexpected expenses becomes essential. It’s a candid look at what retirement could really require, and why planning with extra margin may matter more than ever.

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