How do you transition from receiving a paycheck every two weeks to becoming your own employer in retirement? Jay Kirkwood dives into the psychological and financial hurdles of "hitting the starting line," specifically why so many retirees end up under-spending out of fear. From debunking the mythical "$1.2 million" retirement number to analyzing the risks of relying on an inheritance, this episode focuses on the necessity of a realistic, written plan. Learn how to stop worrying about market volatility and start enjoying the wealth you’ve spent decades building.

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