Would you buy a movie ticket a year in advance? That’s the kind of foresight Gary Garner and Vicki Miller urge when planning for retirement. In this episode, they unpack The Big Beautiful Bill, explore the risks and rewards of private equity in 401(k)s, and break down the three phases of retirement: accumulation, consolidation, and decumulation. With real-life stories and practical advice, they emphasize why time is your greatest ally and why waiting until the last minute could cost you.