In this episode of Faith & Retirement, Jay Peroni, CFP, dives into the real-life challenges and surprises retirees face. Jay explains why a million dollars isn’t always the finish line—it’s how efficiently that money works for you that really matters. From tax-efficient strategies and leveraging home equity to building bulletproof plans that can handle inflation and healthcare costs, Jay shares practical advice for retirees at every stage.

Jay also tackles the emotional side of retirement, highlighting the “what now?” moments that often follow the initial excitement. Jay’s tips on the bucket strategy, spousal retirement mismatches, and safe withdrawal rates offer clear paths to create purpose and peace in retirement. Plus, he shares personal stories and real-life examples, including how he helped a couple turn a seemingly average retirement into a confident and fulfilling one.

Listeners also learn why stress-testing your retirement plan is crucial, how to prepare for long-term care, and whether annuities can be a reliable anchor. Whether you’re just starting out, already retired, or feeling unsure about your plan, Jay’s faith-based, biblically aligned insights help you move forward with clarity, confidence, and stewardship.