In this episode of 'The Heart of Your Money', Joe Yocavitch discusses the challenges retirees face, particularly the need to return to work due to insufficient retirement savings. He highlights the shift from traditional pensions to 401(k) plans, which often do not provide guaranteed income. Joe emphasizes the importance of having a solid income strategy in retirement, including understanding various financial products like annuities and the significance of planning to avoid financial pitfalls.

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