New year. New goals. Same money habits? In this episode, Nick is joined by special guest Eric Hogarth, senior partner and CFP®, to talk about five financial habits that can quietly derail retirement, especially during the transition from saving to spending. The strategies that helped you build wealth during your working years don't always serve you the same way once the paychecks stop. Suddenly, risk looks different and taxes hit differently. Retirement isn't just about having enough, it's about making smart adjustments once you get there.

Here's what we discuss in this episode:

📊 Risk & Return: Balance growth and safety

🧾 Tax Planning: Long-term efficiency matters

🧠 Emotional Decisions: How to avoid fear-based moves

🔄 Plan Reviews: Adjust annually and proactively

❓ Mailbag Questions: Social Security, Roth, Medicare

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