Are you ready to retire smarter, not harder? In this episode, Steve Hoyl and Derrick Caldwell reveal why the biggest expense in retirement isn’t what you think—and how “Texas style” planning can help you keep more of your money. Discover the secrets to efficient tax strategies, sustainable income, and thinking outside the box for a retirement that fits your life, not just your finances. Whether you’re five years from retirement or already there, learn how to avoid common mistakes and make your golden years truly golden.

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