What if your “double‑stuffed” retirement turns out to be a little less full than you expected? Using the surprisingly imperfect Oreo as a metaphor, Mike DiSalvo explores the gap between retirement expectations and real‑world outcomes. This episode dives into where surprises often show up—Social Security timing and taxes, healthcare costs, inflation, and how much of your money is actually yours after taxes. The conversation also looks beyond dollars and cents, touching on purpose, structure, and fulfillment in retirement. It’s a thoughtful discussion about planning for reality, not just the label on the package.

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