What if chasing the “perfect” financial decision costs you the moments that matter most? In this episode from this past weekend’s radio show, Jon Hicks explores how retirement planning goes beyond spreadsheets and projections. From Social Security timing decisions to the risks of over-saving or delaying retirement, the conversation highlights how emotions, habits, and priorities shape financial choices. Jon also discusses the shift from saving to spending, the role of income planning, and why balancing risk, lifestyle goals, and personal fulfillment is a key part of the retirement journey.

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