Your retirement fears may have less to do with markets — and more to do with your past. In this episode, financial advisor Neil Henry explores how emotional “money baggage” shapes retirement decisions, from childhood beliefs to lived experiences like market downturns and income loss. The conversation looks at how fear, control, and uncertainty often surface as people transition from saving to living on their money. Neil also discusses how understanding spending habits, budgeting, income sources, and long‑term planning can bring clarity during volatile times. This episode highlights the emotional side of retirement and why addressing mindset is just as important as addressing the numbers

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