Can you transition into retirement without walking away from purpose, income, or flexibility? In this episode of The Market Moment, Matt, Eli, and John explore the growing trend of phased retirement—and why it may be a smarter alternative to retiring “cold turkey.”

Fresh off snowmageddon and fueled by very little sleep, the team dives into real-world retirement planning conversations they’re having with clients right now. From easing out of high-stress careers to managing market risk, health insurance, and early distribution rules, this episode unpacks what it actually takes to retire earlier—or more gradually—without making costly mistakes.

Key topics include:

➡️ What phased retirement really means (and why it’s becoming more popular)

➡️ Retiring early vs. retiring with purpose

➡️ Fixed vs. variable expenses in retirement planning

➡️ Health insurance challenges before Medicare

➡️ The Rule of 55 and Rule of 72(t) explained

➡️ Why brokerage (non-qualified) accounts matter

➡️ Market expectations, risk tolerance, and planning for long time horizons

➡️ Gold, silver, Bitcoin, and patience in long-term investing The episode also touches on market history, investor behavior during strong bull markets, and why long-term planning has become more complex—even as access to investing has never been easier.

Resources: https://x.com/EricBalchunas/status/2015922317558214938  https://x.com/awealthofcs/status/2015784133838966792

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🍿 Watch Next: Check out Eli's series Data Brief... https://youtube.com/playlist?list=PL7onZkrOqEIaQZmneSvzld8uVocUpUCLm&si=5XA9ZrYY-axed58l

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📌 About The Market Moment Podcast: Hosted by advisors from Mach 1 Financial Group, LLC — a Registered Investment Advisor located in Rogers, Arkansas. We break down market trends, personal finance, retirement planning, and investing topics every week for everyday investors.

⚠️ Disclosure: The views expressed in this video are solely the opinions of the participants and are provided for informational purposes only. They should not be construed as investment advice, a recommendation, or a guarantee of future performance. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Any securities or companies mentioned are for illustrative purposes only and do not constitute a recommendation to buy or sell. For more information about Mach 1 Financial Group LLC, please refer to our current disclosure brochure available through the SEC website or at disclosures.mach1fg.com.