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Forget polished advice. If you want the truth about retirement, read the YouTube comments. In this episode, Phil reacts to the fears, frustrations, and strategies that real people are posting online. He highlights the recurring themes that show up again and again: claiming Social Security early, bridging healthcare gaps and the psychology of money.

Here’s some of what we discuss in this episode:

💬 YouTube comments ≠ your personalized plan

🛠️ A DIY financial plan may end up costing you

🕒 Claiming Social Security early has lasting consequences

💰 Retirement income is about more than averages

Erin Talks Money YouTube Channel:

https://www.youtube.com/watch?v=3uLpg-GaUC8 

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