Retirement Your Way

The 40-Year Retirement Problem No One Plans For


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What if retirement lasts as long as your career? Gary Garner and Vicki Miller break down why longer life expectancies are stretching retirement timelines to 30 or even 40 years—and what that means for your income, savings, and risk. They explore the reality of longevity risk, the shift away from pensions, and the growing reliance on Social Security and personal savings. The conversation also dives into strategies like stress-testing your plan and weighing when to claim Social Security, highlighting how timing, taxes, and inflation can shape long-term financial stability.

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Retirement Your WayBy Gary Garner and Vicki Miller