Retirement rarely goes exactly as planned, and that’s where the real work begins. In this episode of Aspire to Retire, Ralph and Tim Short unpack the often‑overlooked risks that can derail retirement, from unexpected health care expenses to long‑term care needs. They explore why liquidity and flexibility matter just as much as returns, and why chasing meme stocks can introduce more risk than reward. The conversation also examines how diversified investing supports retirement income stability and why understanding your true income needs is critical once the paycheck stops. Throughout the episode, Ralph and Tim emphasize the value of a clear retirement roadmap—one that accounts for uncertainty, adapts to change, and helps retirees navigate the financial complexities of life after work with greater clarity and confidence.

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