What really happens after the 401(k) stops growing and has to start paying you back? The conversation looks at the shift from saving to spending in retirement, focusing on how income planning, taxes, Social Security, and tools like annuities fit together. Derrick Caldwell discusses common retiree concerns, why monthly income matters more than account balances, and how different strategies can support everyday living and long-term goals. The episode also touches on couple dynamics in retirement, lifestyle planning, and the importance of understanding how each income source works before retirement begins.

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