6.6.2026

Brad Gotto of Fiat Wealth Management breaks down the retirement confidence gap — why 60% of retirees fear running out of money even when they have enough saved. In this episode, Brad covers what happens to Social Security when the trust fund runs dry, what Medicare actually covers (and doesn't), how couples can align on debt paydown vs. spending, whether to stay in your home or downsize, how to plan for discretionary spending across your "go-go, slow-go, and no-go" years, early retirement healthcare costs, and why true diversification goes far beyond your investment portfolio. If retirement planning feels uncertain, this episode will help you build the confidence to spend — and live — without regret.