In this episode of Retirement IQ, host John Stregger explains why retirement planning often feels like assembling IKEA furniture without the instructions. He moves past generic advice to focus on the "gaps" that actually matter—like the difference between hitting a target number on a bank statement and actually having the cash flow to fund your daily life.

John explains why deciding when to start your benefits can dictate your income for the next thirty years and why you need a plan for the emotional shift from saving to spending. Join us as we explore how to turn your savings into a flexible, tax-smart income so that retirement feels like the reward you’ve actually planned for.