When Enough Isn’t Enough: Retirement Blind Spots

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You’ve been saving and investing for years, but is that enough to say you’re truly ready to retire? In this episode, Tim explains why building an investment portfolio is only the tip of the iceberg. Real retirement readiness requires looking beneath the surface, at things like lifestyle expectations and Social Security strategies. It’s about more than hitting a number, it’s about ensuring your money supports the life you actually want to live, while also protecting you from risks that could derail your plans.

Tim breaks down the common blind spots many pre-retirees overlook, like underestimating spending, assuming Social Security is simple, or not preparing for health care costs in the “slow-go” and “no-go” years. He shares practical exercises to test your actual spending, thoughtful questions to clarify your travel and hobby goals, and insights into how reverse mortgages and long-term care planning might fit into your strategy. Retirement planning is about designing how you’ll live, what will bring you joy, and how you’ll care for your health so you can enjoy the best quality of life for as long as possible.
 

Here’s some of what we discuss in this episode:

💵 Reality check: track your actual spending, not just what you think you spend

🧳 Plan ahead for travel, hobbies, and lifestyle changes

🏠 Understand home decisions: downsizing, relocating, reverse mortgages

🏥 Don’t overlook health care, Medicare, and long-term care costs

Book at Time to Chat: https://www.dyerwealthmanagement.com/start-here.html

Website: https://www.dyerwealthmanagement.com/

Phone: 858-459-3937

Email: tim@dyerwm.com

The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors, LLC DBA Dyer Wealth Management employees making such comment, and should not be regarded as a description of advisory services provided by Dyer Wealth Management or performance returns of any Dyer Wealth Management Investments client. The views reflected in the commentary are subject to change at any time without notice.

The opinions expressed in this Podcast are for general informational purposes only and are not intended to provide specific advice or recommendations for any individual or on any specific security. It is only intended to provide education about the financial industry. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any past performance discussed during this program is no guarantee of future results. Any indices referenced for comparison are unmanaged and cannot be invested into directly. As always please remember investing involves risk and possible loss of principal capital; please seek advice from a licensed...