Retirement can get complicated fast when two people picture the future differently.

In this episode of Smarter Retirement Radio, John Ripley explores the real-world challenges couples face when their retirement timelines, goals, and expectations don’t align. He unpacks why honest conversations about money matter just as much as planning itself, especially when emotions, lifestyle changes, and family responsibilities are involved. The discussion also touches on diversification and income stability, including where precious metals may fit within a broader retirement strategy. John addresses the often-overlooked realities of caregiving later in life, as well as the importance of planning for dignity and support for aging loved ones. The episode rounds out with insight into Social Security decisions and why proactive, coordinated planning can shape how retirement actually feels—not just how it looks on paper.

Tune in every Saturday at 3:00 PM and Sunday at 9:00 AM ET on WORL for Smarter Retirement Radio with John Ripley.

For more information and to schedule a complimentary consultation with John Ripley, visit SmarterRetirementRadio.com