Prices are climbing, Oreos aren’t what you think, and retirement spending may not follow a simple rule. On this episode Gary Gardner and Vicki Miller unpack how rising costs, flexible withdrawal strategies, and taxes collide in real retirement life. From Morningstar’s updated safe withdrawal discussion to required minimum distributions, Social Security taxation, and Medicare surcharges, the conversation focuses on what you actually get to keep—and how that shapes spending in retirement. It’s a practical, plain‑English look at income planning, taxes, and adapting when expectations don’t match reality.

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