When rising costs force tough financial choices, how do you protect your future without sacrificing your present? On this episode, Steve Anzuoni explores why Americans are cutting retirement savings, the real difference between needs and wants, and how spending habits matter as much as account balances. He breaks down the transition from building wealth to using it wisely, the hidden risks in political and market swings, and the crucial choices around Medicare and income planning. A clear, practical conversation for anyone wondering when they can retire—or whether they’ll have enough.

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