Retirement brings freedom, but it also brings questions.

In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott explore why so many retirees feel uncertain about the future and what can actually restore confidence.

Josh shares a recent family story from an indoor rock climbing gym that perfectly mirrors retirement itself. Pushing past fear, adapting to change, and trusting your footing as you move forward.

The conversation then turns to important financial updates for 2026, including higher IRA and 401(k) contribution limits, changes to Medicare Part D, Social Security cost of living adjustments, and expanded senior tax deductions and charitable giving rules.

Josh explains why understanding these changes matters, especially as tax laws continue to evolve.

They also tackle one of the biggest fears retirees face. Running out of money.

From sequence of returns risk to the loss of pensions, Josh explains how building a diversified income strategy and a reliable income floor can help retirees spend with more confidence and less anxiety.

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