When your account balance recovers but your confidence doesn’t, what’s really holding your retirement back? This episode explores why inflation and market swings are making retirement feel less certain, even after market rebounds. Michelle explains why chasing a bigger savings number can miss the real issue and shifts the focus to income stability, flexibility, and protecting against long-term risks like healthcare and longevity. She also breaks down common mistakes—from reacting to short-term fear to delaying retirement without a clear strategy—and shares a smarter way to measure readiness. It’s not about guessing if you have enough—it’s about understanding how your plan actually works.

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