Many people dream of retiring as soon as possible, but rarely stop to ask if they’re truly ready. It’s easy to assume you’ll figure things out when you get there, but this episode challenges that thinking by revealing 10 overlooked signs you may not be ready to retire yet. Even if you’re eager to leave the 9-to-5 behind, there are critical financial, emotional, and lifestyle factors you might not have fully considered, ones that can derail your dream if ignored.

We’ll explore issues like carrying too much debt, lacking a solid income plan, underestimating healthcare costs, or not having a clear picture of what you’ll actually do all day. For many, these topics can be uncomfortable because they reveal blind spots that feel hard to fix. But in walking through them one by one, we highlight how acknowledging these signs isn’t about delaying your freedom, it’s about ensuring you can sustain it joyfully and securely. You’ll discover practical ways to reduce financial risks, anticipate new expenses, and plan the life you actually want once work ends.

By the end of this episode, you’ll not only recognize the hidden gaps in your own plan but also see the value of taking action now. Whether that means rethinking your budget, getting strategic about Social Security, or simply having more honest conversations with your partner, you’ll leave with a clearer idea of how to transition from working years to retirement with confidence. Instead of winging it, you’ll be ready to retire on purpose, with eyes wide open.

You will want to hear this episode if you are interested in...

• (00:00) Intro.
• (00:27) YouTube channel and free resources plug.
• (03:13) 10 signs overview and Sign 1: Carrying significant debt.
• (05:07) Sign 2: No retirement income plan.
• (06:17) Sign 3 and 4: Missing budget and healthcare costs.
• (09:43) Signs 5 - 7: Social Security, long-term care, RMD planning.
• (13:05) Signs 8 - 10: Emotional readiness, spousal coordination, investment repositioning.

Resources & People Mentioned

• 3 Steps to Retirement Planning
• https://www.youtube.com/@RetirementMadeEasy
• https://retirestrongfa.com/resources
• https://retirementmadeeasypodcast.com

Connect With Gregg Gonzalez

• Email at: [email protected]
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
• Follow Gregg on LinkedIn
• Follow Gregg on Facebook
• Follow Gregg on YouTube

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