You’ve spent decades contributing to 401ks and IRAs, but do you have a strategy for the day the paychecks stop? In this episode of Retirement Simplified, Curtis James breaks down the "Icebreaker Four"—the top questions every pre-retiree must answer to move from surviving to thriving. From debunking the safety of bond portfolios to the hidden psychological cost of delaying Social Security, we explore how to bridge the gap between wealth management and guaranteed income. Learn why "buying the dip" is a dangerous game for those over 50 and how to build a custom cash-flow plan that includes everything from the mortgage to the wine budget.

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