In this week's episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, unpacks one of the most common phrases he hears from clients: "I'll retire in five years." But what does that really mean - and what's holding people back from following through?

With stories drawn from real-life experience, Darryl explores how this five-year mindset can become a psychological trap, one that offers comfort without commitment. From the emotional side of financial planning to the real-life consequences of delay, this episode is a call to clarity and action.

Key highlights of the episode include:

• Why "five years from now" is often more of a coping mechanism than a plan.
• Why defining your retirement date matters, and how to actually do it.
• Small but powerful first steps that move your plan forward (like healthcare and Social Security strategy).
• Why simplifying your life may be the smartest financial move you make.

Whether you're five years out from retirement - or have been saying that for the last decade - this episode offers thoughtful insights to help you stop waiting and start planning.

For more insights or to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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