In this episode of 'The Truth About Money', the hosts discuss the various surprises that can arise during retirement, particularly focusing on long-term care, Medicare, and the financial implications of healthcare costs. They emphasize the importance of planning for unexpected expenses, such as inflation and supporting adult children financially. The conversation also highlights the need for disciplined financial planning and tax strategies to maximize retirement savings.  They  emphasize the need for comprehensive financial reviews, effective mortgage management, and the evaluation of municipal bonds. The discussion also touches on inheritance planning and the significance of diversification in investments, providing listeners with valuable insights into managing their finances effectively.