You've got the savings, the spreadsheet, maybe even the perfect retirement date circled on your calendar, so what's actually holding you back? In this episode, I get honest about the real reason so many people delay retirement, and it's not the money. I share two personal stories and the mindset shift that can help you finally step forward.

👉 Work With Us: https://www.rivertreewealth.com/get-started 

✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers 

Email: [email protected] 

Website: https://www.rivertreewealth.com 

LinkedIn: https://www.linkedin.com/in/jacobduke 

Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast.

DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only.

Tune into this episode to find out:

(0:00) Why are so many people delaying retirement?

(0:45) Blaming finances when fear is the real issue

(1:19) The comfort trap of sticking with what you know

(2:21) How starting this podcast taught Jacob to begin anyway

(4:44) Parenting parallels: you're never fully ready

(8:32) Moving the goalposts on your retirement number

(9:27) More money rarely fixes the emotional hang-up

(10:33) You are what's holding yourself back, not money

(11:06) Stepping into retirement unlocks real fulfillment