Retirement isn't just about making your money last, it's about using it wisely while you still can.

In this episode of the Plan Your Federal Retirement podcast, Micah Shilanski, Wealth Advisor, is joined by his father, Floyd Shilanski, Wealth Advisor, to unpack one of the most complicated challenges federal employees face: balancing today's lifestyle with tomorrow's longevity.

From distribution strategies and liquidity planning to housing decisions, aging in place, and preparing for unexpected large expenses, this conversation dives deep into what actually happens over a 30–40 year retirement. With decades of real-world client experience, Floyd shares stories that highlight why flexibility, intentional planning, and foresight are essential, not optional.

If you're a pre-retiree or early retiree wondering how to enjoy retirement without becoming a burden or running out of money, this episode is for you.

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