Retirement is not just about how much you have saved; it is about turning those savings into reliable income. In this episode, Coach Pete, Thomas, Morgan, and Carrie talk about the emotional shift from receiving a paycheck to creating one yourself. The conversation touches on AI, scams, 401(k) savings, pensions, market losses, and why retirement planning requires more than simply hoping your investments cooperate. Coach Pete explains why timing matters, how sequence-of-returns risk can affect retirees, and why having a paycheck plan can help reduce stress. The episode also explores taxes, Roth strategies, and the importance of building a retirement plan that gives you confidence instead of guesswork.

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