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.

Why Your Retirement “Magic Number” Doesn’t Exist
18:46

Why Last-Minute Investment Moves Can Backfire
17:08

Retirement vs. Financial Freedom: Why They’re Not the Same
17:40