Most Americans assume retirement will be supported by Social Security, Medicare, and family but today's financial reality tells a very different story. In this episode of the Senior Matters Podcast, estate planning attorney Mark E. Wight and financial professional Justin Walker take a candid look at the modern retirement landscape. They discuss why most retirees have far less saved than they'll need, how rising healthcare and housing costs are reshaping retirement planning, and why relying solely on government programs or family caregivers can place enormous strain on everyone involved. This episode is the first in a series of 2. You'll also hear an eye-opening conversation about the overlooked role of life insurance as a strategic planning tool, the risks of leaving money idle in low-yield bank accounts, and why clear, jargon-free education is essential for making confident financial decisions. This episode is a must-listen for Idaho seniors, pre-retirees, and families who want clarity not confusion, when planning for retirement, care, and legacy.