It's an impromptu special episode. A few bullet points may be helpful.

We've always cash flowed our life, or tried to.

Two pivotal milestones impact every American's encore chapter: a) Medicare (when you reach 65) and b) Social Security (when you reach 62 or full-retirement or age 70).

Retirement means different things to us than "not working" or "not earning income." We want to continue to earn income and continue to live within our means.

Modest living is a goal. Not austere living, but modest living. Frugality is a way of life, unapologetically.

We're living our lives for ourselves (and each other). God remains THE priority, but when the encore chapter days arrive, you realize - if you're married - that your lives together are now what remains. And it's great if you put in the work! I'm putting in the work - or trying to. My wife is the most important person in my life. It doesn't mean I don't love kids, grandkids, and the rest of my family, but it means I know I'm not the most important person to them. And I'm good with it. It's the cycle of life and how it ought to be.