Dave Ramsey is one of the most recognized voices in personal finance. His 9-step retirement plan is simple, direct, and built for mass appeal. But is it really the best path for your retirement? 

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

🧭 Why your retirement plan should start with setting goals

💸 Why saving more than 15% may be necessary

🏡 When paying off your mortgage early makes sense

📆 Evaluating Social Security timing based on your situation 

🏥 Why planning for healthcare and long-term care early is critical

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