Retirement is not just about whether you have enough.
There is a window, roughly five years before and after you retire, that tends to have a much bigger impact on how your plan actually plays out. Most people do not realize how important that period is until they are already in it.
In this video, I walk through why that early retirement window matters so much, and how decisions around income, Social Security, investments, taxes, and healthcare all start to overlap during this time.
What I have seen over the years is that people with very similar numbers can end up with very different outcomes. Not because one saved more than the other, but because of how those early years were handled.
We also talk about sequence of returns risk and why the timing of market performance early in retirement can have a bigger impact than many people expect.
The goal here is not to add complexity. It is to help you think a little more intentionally about how you want those first few years of retirement to look and feel.
Because once you move past this window, many of the key decisions have already been made.
If you are within a few years of retirement, or recently retired, this is one of the most important transitions to get right.
News You Can Use
Get actionable financial advice delivered to your inbox a few times a month.