The market can crack on a single headline—so what does that mean if retirement is right around the corner? On this episode, Steve Hoyl unpacks why retirement planning feels riskier, faster, and more emotional today than it did 30 years ago. They talk through market volatility, inflation, the loss of pensions, and the growing pressure on personal savings. The conversation also explores building sustainable income, protecting emergency funds, and making intentional choices so money supports the life you actually want in retirement.

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