Fame, fortune, and a financial collapse—what Joey Fatone’s story reveals about money most people overlook. This episode breaks down how earning well doesn’t guarantee financial stability, especially in retirement. Michelle explains where DIY planning quietly falls apart—when saving shifts to spending, and decisions around taxes, income, and Social Security begin to collide. Real client examples highlight how small inefficiencies can compound over time without a clear strategy. The conversation centers on a crucial insight: building wealth and using it are entirely different skill sets, and that transition is where many people lose confidence.

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