The moment the paycheck stops, everything changes. Even with years of planning behind you, the first twelve months of retirement can feel very different from what you expected. The structure of work disappears. The routine shifts. And for many people, the questions start to creep in: Am I on track? Am I spending too much? Is this what retirement is supposed to feel like?
In this video, I walk through the five key areas that shape your first year of retirement and set the tone for the decades ahead. We will cover:
• How to create your own retirement paycheck system
A steady, predictable cash flow brings back the peace of mind you had while working. I explain how to structure withdrawals and coordinate them with Social Security and pensions so your income feels consistent again.
• Getting taxes right from day one
Your tax world shifts the moment work ends. I show how to handle withholdings, plan for IRA and Social Security taxes, avoid surprises, and protect ACA credits or Medicare premiums.
• Managing market volatility once you are retired
A market drop feels very different when you no longer have a paycheck. You will learn how to build stability into your investment plan, create a sensible buffer, and use a guardrails based approach to stay steady through ups and downs.
• Building a new routine and sense of purpose
Retirement brings freedom, but it also brings an empty calendar. I talk about how retirees can build healthy routines, stay connected, and find meaning in this new phase of life.
• Avoiding major lifestyle decisions too early
The first year is an adjustment period. Before you sell the house, buy the RV, or move across the country, it is worth letting your new rhythm settle in. I explain why giving yourself time leads to better decisions.
By the end of this video, you will have a clear understanding of what to expect, what to avoid, and how to make your first year of retirement feel stable, confident, and fulfilling.
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