Waiting one more year to retire could cost more than you think. Ron Ray breaks down the “one more year syndrome” and why delaying Social Security may leave money on the table instead of adding security. The conversation explores break, even math, longevity risk, and when it might actually make sense to wait. Plus, a closer look at popular retirement rules, including Dave Ramsey’s take on withdrawals, and how market volatility can impact income once paychecks stop. Ron explains why retirement planning shifts from growth to distribution, and how a balanced approach can help manage uncertainty while covering essential

Find out more about Ron and the teams, as well as setting up a complimentary time to speak with them, by reaching out to Turning 65 Solutions and Homestead Family Wealth.