What if retirement turns out to be less “double‑stuffed” than you expected? In this episode, Edgar Torres explores the gap between expectations and reality in retirement planning—using a surprising Oreo analogy to spark a deeper conversation. Together, they unpack common misconceptions around Social Security, healthcare costs, inflation, market volatility, and income planning. Edgar explains why early decisions, hidden deductions, and timing can have lasting effects, and why retirement often costs more than people anticipate. This discussion highlights the importance of understanding trade‑offs, staying flexible, and coordinating decisions as retirement income, expenses, and lifestyle evolve.

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