Some mornings you wake up ready to walk away—no notice, no plan, just done. This episode dives into why that feeling is so common and what it really means for your retirement timeline. Gary Gardner and Vicki Miller unpack the realities of retiring early, from covering health insurance gaps to deciding when Social Security makes sense. They explore lifetime income, pensions versus lump sums, and the long-term impact of inflation—focusing on the questions most people avoid but can’t afford to ignore.

The Five-Year Wake-Up Call Before Retirement
17:38

When Retirement Anxiety Isn’t About the Market Crash
16:27

Diversification Isn’t Just Stocks and Bonds
16:39