Richard Warner talks about conversations on budgeting that Richard says most people wish they could avoid. Richard explains how most people have a good feel for the money they need, but cannot grasp the science of arriving at the exact numbers. He explains the rule of thumb that he and the Warner Financial Solutions team use in budgeting and the unexpected cost decreases that retirement brings. But Richard also breaks down the costs that people underestimate in retirement, including inflation, long term care, unexpected expenses, and people that Richard calls “leeches.”

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