The least exciting parts of retirement planning may be the ones that keep everything standing. John Scallan uses bathroom grab bars as a metaphor for overlooked financial safeguards, including account consolidation, Roth conversions, long-term care preparation, and detailed health-care budgeting. He also explains why retirement medical costs often emerge through years of premiums, prescriptions, deductibles, and uncovered services rather than one enormous bill. The conversation closes with “funflation” and the challenge of giving disciplined savers permission to enjoy meaningful experiences without abandoning careful planning.

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