Is $900,000 enough to retire at 62? Most people focus on the savings number. The questions that actually matter are harder — and this episode answers four of them.

• $900k saved, no debt, age 62 — can you retire next year? We run the real numbers, including the healthcare gap most people never see coming.

• DIY taxes getting complicated? How to know when hiring a CPA pays for itself.

• Annuitize your IRA or keep it invested? What you're actually trading away.

• Charitable giving before retirement — why QCDs beat regular donations for most retirees.

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