Retirement Your Way

The 401(k) Number You See Is Not the Number You Keep


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What if the number in your 401(k) isn’t the number you’ll actually get to keep? On this episode, Gary Gardner breaks down the real impact of taxes, inflation, and income planning on your retirement lifestyle. With simple math, real‑world examples, and candid conversation, Gary explains why retirement success depends on what you keep—not just what you save. Learn how income streams, tax efficiency, and planning flexibility help you shape a retirement that works for your life and goals.

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Retirement Your WayBy Gary Garner and Vicki Miller