Thinking of retiring at 60? You might want to think again. In this episode, Steve Hoyl and Derrek Caldwell of the Hoyl Financial Group break down the real costs of early retirement—especially the hidden healthcare gap before Medicare kicks in. They explore why chasing a “magic number” like a million dollars can backfire, and how annuities, income planning, and budgeting can help you retire with confidence. Whether you're dreaming of travel or just peace of mind, this episode is your wake-up call to plan smarter.

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