40 Brutal Truths I Wish I Knew Before Retirement

40 Brutal Truths I Wish I Knew Before Retirement Work with me: https://randy-smith.showrunner.one/r/9fe4bfc6eaac Retirement isn't just about having enough money—it's about avoiding the mistakes that can quietly derail the life you've worked so hard to build. In this video, I share 40 hard-earned lessons that can help you retire with greater confidence, avoid common pitfalls, and make better decisions for the decades ahead. I cover retirement truths, retirement advice, retirement mistakes, retirement regrets, retirement planning, cognitive decline retirement, required minimum distributions, rmd planning, downsizing retirement, longevity planning, permission to spend retirement, retirement spending, sequence of returns risk, social security timing, retirement identity, retirement relationships, health insurance before medicare, retirement drift, retirement purpose, saver to spender mindset, retirement confidence, retirement psychology, helping adult children, inflation retirement, and widowhood planning. You'll learn why retirement planning goes far beyond your investment portfolio, how sequence of returns risk can affect your long-term success, and why understanding required minimum distributions through effective rmd planning is essential. I also explain the role of social security timing, preparing for health insurance before medicare, and why downsizing retirement isn't always the obvious answer. Retirement is just as much emotional as it is financial. I discuss retirement identity, retirement relationships, retirement purpose, retirement psychology, and how to avoid retirement drift after leaving your career. You'll also hear why shifting from a saver to spender mindset can be surprisingly difficult, why giving yourself permission to spend retirement savings matters, and how these changes contribute to lasting retirement confidence. I also explore planning for the unexpected, including cognitive decline retirement, longevity planning, inflation retirement, widowhood planning, and the financial challenges of helping adult children while protecting your own future. If you're looking for practical retirement advice, want to avoid costly retirement mistakes, learn from common retirement regrets, and better understand the biggest retirement truths, this video will help you prepare for a more secure and fulfilling retirement. #retirement #retirementplanning #howtoretire ----- I’m Randy, a CERTIFIED FINANCIAL PLANNER™ and Owner/CEO of Fairway Financial. After years in banking, financial planning, and consulting with advisors across the country, I saw too many retirees struggle with rising costs, market uncertainty, and a lack of clear direction. That’s why I choose to do what I do. Through my Pathway to Purpose™ process, I help retirees, those nearing retirement and business owners, create a plan they understand and feel confident in. So they can retire to something meaningful, not just from work. ----- Disclaimer: Fairway Financial, LLC is an SEC-registered investment adviser. Content may include topics related to retirement, tax, estate, and financial planning but should not be considered investment, tax, or legal advice. This material is for informational and educational purposes only and is not personalized advice. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Always consult your CPA, attorney, or financial advisor before making financial decisions.