Americans Are Retiring Earlier Than Expected — But Not Always By Choice
Retirement used to revolve around one milestone: age 65. For decades, many Americans viewed 65 as the standard retirement age tied to Medicare eligibility and traditional retirement benefits. But recent data shows a major shift is happening across the country.
More Americans are retiring before age 65 than ever before — and in many cases, retirement is happening earlier than planned.
According to a recent retirement study, nearly 6 in 10 retirees left the workforce sooner than they expected. Some retired because they were financially prepared. Others retired because life forced the decision upon them.
This trend raises important questions for pre-retirees and working professionals:
- Can you afford to retire earlier than expected?
- What happens if health issues or job changes force retirement?
- How do you know if you’re financially ready?
- Could you already be in a position to retire and simply not realize it?
The reality is that retirement planning today is no longer just about reaching a certain age. It’s about creating flexibility, reducing uncertainty, and building a financial plan that can adapt to life’s unexpected changes.
The Traditional Retirement Age Is Changing
Many people still assume retirement happens at age 65 or later. But current retirement data tells a different story.
The median retirement age in the United States is now closer to 62. In fact, only a small percentage of retirees actually leave work exactly at age 65.
Why does this matter?
Because many workers continue planning around an outdated timeline. They assume they’ll work until full retirement age for Social Security or until Medicare begins. But life doesn’t always cooperate with those assumptions.
Health changes, job stress, layoffs, company restructuring, burnout, and caregiving responsibilities are causing many Americans to leave the workforce earlier than expected.
For some, early retirement becomes an opportunity. For others, it becomes a financial shock.
Why Are So Many Americans Retiring Early?
There are several major reasons retirees leave work earlier than planned.
1. Health Problems and Physical Limitations
One of the biggest drivers of early retirement is health.
Many workers reach a point where continuing to work becomes physically difficult or emotionally exhausting. This is especially common in physically demanding professions, high-stress careers, or situations where chronic illness develops unexpectedly.
In some households, it’s not the retiree’s own health that triggers retirement. A spouse’s health event or caregiving responsibilities can also accelerate retirement decisions.
The challenge is that health-related retirements often happen without warning.
Someone may intend to work until 67 or 70 but suddenly find themselves unable to continue at 61 or 62.
That’s why retirement planning cannot simply focus on ideal scenarios. A strong retirement strategy must also prepare for unexpected life events.
2. Employment Changes and Job Loss
Another major reason people retire early is employment disruption.
Corporate reorganizations, layoffs, downsizing, early retirement buyouts, and age-related workplace challenges can all force retirement decisions.
Many workers in their late 50s or early 60s discover that finding comparable employment after a job loss can be difficult. In those situations, retirement becomes less of a voluntary decision and more of a practical transition.
Burnout also plays a role.
Some workers simply reach a point where the emotional stress of continuing their career outweighs the benefits of staying employed.
This is especially true when financial uncertainty combines with increasing workplace pressure.
3. Financial Independence
Not all early retirements are negative.
Some Americans retire early because they planned carefully, saved consistently, avoided excessive debt, and created financial independence.
These individuals often realize they no longer need to continue working to maintain their desired lifestyle.
This type of retirement is becoming more common among those following financial independence strategies and long-term retirement planning principles.
However, many people who could potentially retire earlier never realize it because they’ve never actually run the numbers.
The Biggest Retirement Mistake: Assuming You Need More Than You Actually Do
One of the most common retirement misconceptions is the belief that everyone needs several million dollars to retire comfortably.
Financial headlines frequently promote dramatic retirement savings targets that create fear and confusion.
While large retirement balances can certainly provide flexibility, many retirees may need far less than they assume depending on:
- Their spending habits
- Debt levels
- Social Security benefits
- Pension income
- Healthcare costs
- Lifestyle expectations
- Tax strategies
- Housing expenses
Some households may successfully retire on significantly less than sensationalized national averages suggest.
The problem is that many workers never take the next step to evaluate their own personal situation.
Instead, they default to broad assumptions like:
- “I’ll retire at 67 because that’s full retirement age.”
- “I probably need another million dollars.”
- “I should just keep working longer to be safe.”
Without a retirement income plan, these assumptions can lead people to work longer than necessary or retire without confidence.
Retirement Planning Is About More Than Saving Money
Many people think retirement planning simply means accumulating investments.
In reality, retirement planning is about creating clarity.
A retirement strategy should answer questions like:
- Can I retire today?
- How much income can I safely generate?
- What happens if inflation increases?
- What if the market declines early in retirement?
- When should I claim Social Security?
- How will healthcare costs affect my plan?
- Will my spouse be financially secure?
- How much flexibility do I have?
Without answers to those questions, many people continue working simply because they don’t know whether retirement is financially possible.
The Emotional Side of Retirement
Retirement is not only a financial decision. It’s also an emotional and lifestyle transition.
Before retirement, many people dream about:
- Traveling
- Spending time with family
- Pursuing hobbies
- Relaxing
- Volunteering
- Enjoying more freedom
But retirement reality doesn’t always match retirement expectations.
Some retirees travel less than expected because of rising costs or health limitations. Others miss the social interaction and routine that work provided.
For many Americans, work is deeply tied to identity, purpose, and community.
That’s why successful retirement planning also involves lifestyle planning.
It’s important to ask:
- What will your days actually look like?
- How will you stay mentally engaged?
- What gives you purpose outside of work?
- How will your relationships change?
The most successful retirements often combine financial readiness with emotional preparedness.
Could You Already Be Ready to Retire?
One of the most overlooked realities in retirement planning is that some people may already be financially capable of retiring — but they simply don’t know it.
That uncertainty creates unnecessary stress.
Many workers continue delaying retirement because they fear:
- Running out of money
- Healthcare expenses
- Inflation
- Market volatility
- Social Security uncertainty
While those concerns are valid, fear alone should not drive retirement decisions.
A retirement analysis can often provide far more clarity than generalized financial headlines or internet estimates.
For example, some households discover:
- They can retire several years earlier than expected
- Part-time work could bridge the gap comfortably
- Strategic Social Security timing improves long-term income
- Downsizing or tax planning significantly changes the numbers
- Healthcare planning reduces financial risk
On the other hand, some people discover they truly do need additional savings or a few more years of work.
Either way, having a plan replaces uncertainty with actionable information.
What Happens If Retirement Is Forced Upon You?
One of the most important reasons to create a retirement plan is flexibility.
Even if you intend to work for another decade, life may have different plans.
Health events, layoffs, caregiving responsibilities, or burnout can dramatically alter your timeline.
Without a retirement plan, those situations can create panic.
With a retirement plan, they become manageable challenges.
For example:
- If your plan shows you need two more years of income, you can create a bridge strategy.
- If your plan shows you’re already financially independent, job loss becomes far less stressful.
- If healthcare becomes an issue, you can evaluate insurance and income adjustments proactively.
Planning creates options.
And options create confidence.
Financial Planning Can Reduce Fear
Many retirement fears stem from uncertainty rather than actual financial risk.
People worry about:
- Running out of money
- Social Security changes
- Long-term care expenses
- Inflation
- Market crashes
- Healthcare costs
Some of those risks can’t be fully eliminated.
But many of them can be better understood and planned for.
That’s where retirement planning becomes valuable.
A comprehensive financial strategy can help retirees understand:
- Expected income streams
- Withdrawal strategies
- Tax-efficient retirement income
- Investment risk levels
- Healthcare funding options
- Estate planning considerations
- Long-term sustainability projections
Clarity often reduces anxiety far more effectively than simply accumulating more money without a plan.
The Bottom Line on Early Retirement
Retirement may happen earlier than expected — whether by choice or by circumstance.
That reality makes planning more important than ever.
The goal of retirement planning isn’t necessarily to stop working tomorrow. The goal is to create flexibility, confidence, and control over your future.
Even if you love your career and intend to continue working, understanding your financial position provides valuable peace of mind.
Because ultimately, retirement planning is not about guessing.
It’s about knowing.
Whether retirement comes at 62, 67, or later, having a financial strategy in place can help you make decisions from a position of confidence instead of fear.
Frequently Asked Questions About Early Retirement
What age is considered early retirement?
Many financial professionals consider retirement before age 65 to be early retirement. However, retirement timing depends on individual financial circumstances, healthcare considerations, and lifestyle goals.
Why are more Americans retiring early?
Common reasons include health issues, layoffs, burnout, caregiving responsibilities, corporate restructuring, and financial independence achieved through long-term savings and planning.
Can I retire before Social Security full retirement age?
Yes. Retirement and claiming Social Security are separate decisions. Many people retire before claiming Social Security benefits, while others continue working after benefits begin.
How do I know if I have enough money to retire?
The best way to determine retirement readiness is through a comprehensive retirement income analysis that evaluates expenses, investments, Social Security, taxes, healthcare, and long-term sustainability.
What is the biggest risk of retiring early?
The biggest risks include underestimating healthcare costs, inflation, longevity, market volatility, and withdrawal rates. A retirement plan can help address these risks proactively.
Should I continue working if I can already retire?
That depends on your personal goals, lifestyle preferences, health, and financial situation. Some people continue working because they enjoy their career, while others prioritize time freedom and flexibility.
What if I’m forced into retirement unexpectedly?
Unexpected retirement due to health or job loss is one reason proactive planning is important. A retirement strategy can help create contingency plans and reduce financial stress if circumstances change suddenly.
Sources referenced in this discussion include retirement survey data discussed in the original podcast transcript below.
Daniel Wendol
Item #1
00:00:01
people in the United States are retiring early what do I mean by that what is early well by many definitions anything before 65 is considered early and many many re people are retiring before 65 so the question is why are they retiring early G to bring in my co-host Tony sha who is not retired yet Tony when are you planning to retire and is it considered early No in fact I’m surprised to hear that uh more people are retiring early I thought people were wait because people are living longer that people were
00:00:36
working longer that’s it so it’s true um but not according to this recent survey um this was trans amer’s survey we we’ve done shows on this survey it comes out every year this one’s called the retiree life in the post-pandemic economy and this was uh released November of 2024 so somewhat recent for those that are watching in 24 here’s a link for those that are on YouTube if you want to follow it along TransAm institute.org I’ve certainly talked about this uh survey before with you and I think I
00:01:13
mentioned it before which is and it’s like a little caveat when you’re getting data from an insurance company you got to be careful about right what what the intent is now this is what are they selling yeah right right it’s a nonprofit group so you know theoretically they’re just doing science-based research but the uh study details how it’s done is seems to be okay and legit that’s why I come back to it it’s not some you know off the cuff uh boardroom meeting at an insurance
00:01:49
company saying what do we want to sell today fear right um so let’s talk about retiring now before we get into when they’re retiring I want to bring up a couple little points here um this question is about what your retirement dreams are before you retire so they asked these people what are your retirement dreams sure the top was traveling at 59% spending more time with family and friends 52% and pursuing Hobbies at 41 now if you’re watching on YouTube you could see the little R equals next to
00:02:26
these that is the reality so then they actually asked what theying so 59% said I want to travel a lot before retiring but only 36% are traveling that’s a big drop off of and and I think well what do you think is the reason why there that is different than reality the dream is to re travel reality is you don’t do as as much well everybody gets excited they romanticize oh I’m going to travel uh but then they retire and they’re like man the last thing I want to do is travel or hey I don’t have enough money
00:03:03
I’m worried about my money and traveling costs a lot of money so I’m going to stay put yeah so I think it’s either a financial or B maybe laziness or they just want to relax so I I think uh probably more money but I I I do think it plays into it that people you know there my mom always said your eyes are bigger than your stomach son if I took more food and then didn’t eat at all finish my plate and I think it’s a bit of that syndrome you know I like when we retire we’re going to go to Ireland and
00:03:32
we’re going to do this or some a lot I hear a lot of people I’m going to buy one of those big RVs and I’m like so you have an extra $900,000 to buy that big tour bus RV well yeah interesting I didn’t know you you did that I think um I also think there’s a couple of other in there you’re right I think people bite off more than they can chew and they realize it’s expensive but I also think people travel early in retirement and as they get older they want to travel less right toward people
00:04:01
traveling maybe some of these people that were asked are in their 80s and they’re like I’m not you know I did that when I was in my 60s you know I’m done with to travel the other thing in here that I I don’t my guess is it’s kind of like the Christmas story when when Santa Claus asks him what he wants for Christmas and he can’t come up with anything so Santa Claus is like a football and he’s like yeah yeah yeah a football that’s what I want so when people say what are you what are you
00:04:26
gonna do in retirement people just travel like that’s what you’re supposed to say yeah like everybody we’re supposed to travel in retire right um but the other ones are fairly close spending more time with family and friends um that’s more common in retirement than they actually plan and pursuing Hobbies very close so um yeah um here’s another stat from the survey most retirees 65% said their standard of living has stayed the same since retiring so you know that’s we always
00:04:58
talk about how much do I need to retire and am I going to spend less in retirement and the rule of thumb is you spend 80% you know um you don’t spend as much and I come back and say no you’re probably going to spend just about as much maybe just on different things instead of travel and work clothes you’re can I mean a work cloth and commuting you might spend on going out to dinner and travel or something like that so um I don’t think people are hurting as much now that’s only 65% so there is a b
00:05:30
chunk that are either higher or lower so when do you think people are retiring Tony what’s the age well like I said at the beginning I thought people were leaning older and when you asked me when I’m going to retire I was thinking my full retirement age according to Social Security maybe 67 um and or my other answer is as long as my voice holds out but again that’s what I say now reality might be healthwise or career-wise I might be I got to get out of here you know when I hit 62 or 63 so I don’t know it’s G to
00:06:09
be I I’m gonna say it’s you typically the answer would be 62 65 or 66 or 67 I mean I don’t know you said you just said so much in that and you hit it all you hit all the points you hit all the points um and so the the the median is 62 right so that’s when people are retiring most re because that’s when they can get Social Security and they think that’s a license to retire right am I right on that well right A lot of people conflate retirement with collecting Social Security right so they feel which I
00:06:45
think is wrong but yeah you don’t have to take take Social Security when you retire retiring means no more working collecting Social Security is collecting Social Security retirement doesn’t mean collecting Social Security although they usually go hand inand yeah much to the fault of of many people yeah U financially any mathematically so 59% consider themselves fully retired and no longer working before the age of 65 wow so more people are are retiring before 65 than after only 12% of retirees
00:07:17
retire at age 65 so most people are retiring quote unquote early uh 30% retire after 65 and don’t expect to stop working although they consider themselves fully retired I think this is the people that are collecting Social Security because I’m they’re 67 they’re taking full retirement age and they’re still working and I think those would them be the people like you that hey my voice holds out it’s not really strenuous work uh you know except except if I’m still working uh even even considerable amount
00:07:52
maybe I’m working a little less but if I’m still working uh more than halftime uh I won’t be collecting Social Security I’m smart enough to know because of shows you’ve done and what you’ve told me uh that uh if I’m going to work until age 70 I’m not collecting Social Security because it doesn’t make sense they’ll just take it back and withhold it anyway in your situation it doesn’t because you’re married and there’s some other things but you know maybe if
00:08:16
you’re single or if you’re not healthy um but you’re right um a lot of times doesn’t make sense so um you know the stress of your job is oh my God my doctor prescribed lemon tea with honey because my voice hurts you know like that’s that’s the the worst case scenario for you right um but here’s here’s the interesting part and one of the things that the survey says uh nearly six and 10 58% retired sooner than planned wow only 36 retired when they plann to retire and 6% retired
00:08:56
later than they planned so almost almost 60% retire sooner than they planned so when people say I retired before 65 that’s most likely sooner than they planned and the question is why are they retiring sooner than they planned health because because if you say if you say I retired sooner than plan that means you don’t want necessarily want to right right that’s interesting um and that scares me because I really want to be able to work and need to be able to work until I’m 67 or 70 somewhere in there uh 67 is my
00:09:41
ideal age but uh that’s when I am planning on retiring but nearly six and 10 people end up retiring sooner than that that scares me I don’t want to have to retire sooner than why would you what would be your primary reason for retiring now earlier there would be two reasons um like get pushed out of my job because of my age or my company moves on or I get completely burned out at my job uh that would be one your job whether it’s your choice or their choice number two would be Financial um or health I mean number two
00:10:21
would be health so if my health if I had something happen where it just was too much of a struggle to keep going with my current job I might have to retire early you’ve hit them both again here’s what the data says among retirees who retired sooner than planned nearly half 46% retired for personal health reasons I can see that such as physical limitations or disability and ill health so um health is the big factor of why people retire early yeah I’ve seen this in my practice a lot of people retire
00:10:56
because something happens to them or their spouse you know a sudden heart heart event or or they work in a physically demanding job and they’re like I can’t do this anymore um so their health um is the driving factor for retiring early we’re living longer Tony but I think we’re unhealthier than our parents generation relatively speaking if you especially if you factor in the smoking um that has that was the Bane cuz the newer gener Generations current generation younger people aren’t smoking
00:11:32
as much so I think that um health reasons are the big factor for a lot of people but it’s not the only Factor you brought up the other one uh many also retired for employment reasons 43% such as job loss organizational change job unhappiness and retirement buyout obviously retirement buyouts the the you know ding ding ding you hit it right hey we’re going to give you money to leave but it’s more likely job lost because asking you to leave um organizational changes is another fancy way of saying we’re asking
00:12:12
you to leave anyone that’s being paid a lot we’re gonna ask you to go first typically the older crowd yeah uh job unhappiness 14% I mean you got to be really unhappy to to leave at that point earlier than you want than you yeah if you’re determined to retire when you’re 67 that’s your plan all along and then you retire at 62 uh because you’re unhappy with your job you’d have to be really unhappy with you you would right yeah out another five years you know right right so um you’ve you’ve hit both
00:12:49
there uh here’s here’s another quote from the study alarmingly 21% only 21% retired due to their financial ability to do so so they saved enough money they taken the retirement buyout or they received a financial windfall so it’s you know that’s the golden ticket hey I’m retiring early because I can I’m fin right set they offered me a buyout an offer I couldn’t refuse or uh I started early on with Dan Wendell as my financial advisor so I can retire early right um I I lived within
00:13:29
my means I didn’t take unnecessary debt I didn’t buy unnecessary things I saved more than I made and 11% of people say I did that and I can retire earlier than I expected because I just buy and hold right doesn’t happen as much as we want that’s the goal right I’m surprised as high as 11% to be honest you know and I think a lot of people are doing that in the fire movement remember we did a show on the fire movement fire fire financial Independence retire early fire fire and
00:14:02
I said the whole retire early thing is hogwash Financial Independence is what you really want yeah but Financial Independence allows you to retire early and this is finan and and you know Financial windfalls most likely going to be not winning the lotto but more so uh an inheritance so um it happens but I think 21% is low you know one in five people retire because they can financially do so retire early because they can financially do so among retirees who um decided to retire later than planned 68% did so for
00:14:42
financial reasons of course or the need for the benefits a lot of benit right right until they were of Medicare age yeah right and 55% did so for healthy AG aging reasons such as staying active they enjoy their work or that keep their brain alert so and I see this a lot people leave work and then they’ll come back to go to work just because of bored or they feel that a lot of it they say oh I I want to stay active up here in my brain I think it’s more a social interaction I want I don’t
00:15:17
want to spend that much time with my spouse anymore um or all my friends were at work that’s a serious one if you’re not used to being around each other and now you’re both around each other 247 that can get mhm har yeah yeah so I think though the idea of most people that stay later um 68% did so for for the financial reasons or health benefits or some sort of financial benefit that’s really why people work longer right very it’s very few that say I love my job so much that I don’t want to work they
00:15:50
they’re they’re they happen right um yeah I love my job so I enjoy it I don’t know why I would stop if there’s a financial benefit and I love what I do right and that’s that’s the perfect situ situation for sure but you know so why are people think see here’s my problem though Tony a lot of people can retire because they can do it financially if you do the math but they don’t realize that so they work longer because they think they have to because they don’t have enough and that’s because there’s a
00:16:21
lot of Sensational headlines saying you need three million five million whatever you know I don’t have $2 million saved up for retirement I can’t retire re when when they might be able to retire on $750,000 right right or they may could have retired three years ago and they just didn’t right didn’t know it you know they’re reading the headline where they’re seeing what other people do so half of retirees agree that they have built a large enough Nest EG for retirement only half 19 strongly agree
00:16:52
31% somewhat agree so half of the people say they have enough to retire and um about half or 60% are retiring early so it seems about right the other qu the other question is well are they right should it be higher um who says I can’t retire 15% disagree um 26 strongly disagree and almost one in 10 or 8% just not sure it’s those not sure people I want to say get sure figure it out but because how do you not know well you don’t know because this not you don’t do it you don’t know it’s not taught your
00:17:37
employer is not teaching you this in fact your employer is not going to want you to retire probably so they’re not going to be like hey you know have you done the math because you should be leaving um right don’t keep working for me and making me more money um I think the idea that people are not they don’t think they have enough or people just don’t don’t know I think that’s the real message here is you know there’s reasons to retire for health right and some people people stay on for
00:18:10
financial reasons I want to focus on those financial people the people that are dealing with health issues they can’t that what are you gonna do you got to retire I mean Life’s too short to to work to till you die right um it’s those people that are not yet retired and are saying I don’t have enough or they don’t know if they have enough so they default to might as well keep working those are the people that need to start thinking am I am I doing the right thing should I be retired so to conclude I’d say that
00:18:44
retirement can be forced on you it could be forced me physical uh you know health reasons you can they could be forced employer can fire you right there could be a reorg so it could be forced on you and you got a plan for that but not really you don’t want to be sitting there thinking you’re gonna get fired in any day that’s not a way to live um although I do have a friend of mine that he every he says to me every day he’s like every day I go to work thinking that I’m not gonna have a
00:19:16
job tomorrow and wow he’s a he’s a day trader so he’s he’s in that mentality of nothing’s promised to anybody and treat each day is a brand new day right so it’s a good good good attitude for his industry but retirement might be forced upon you so it’s better to have a plan in advance now I always preach better to have a plan but here’s a real reason why because if you create a plan just in case you get fired or you get unhealthy how does that hurt you it really it it doesn’t hurt you but
00:19:51
what if you don’t do it when you could what if you what if the plan says you could retire now doesn’t mean you have to do what if the plan says yeah you you’re 61 you can retire now will you do it well that’s a good option to have yeah a really good option right and you don’t you won’t know that unless you do the math you won’t know that unless you take the time and if you don’t do it you’ll just never know and then you’ll just go on thinking all right I I’ll
00:20:22
work until 65 it’s not that bad my job’s not that bad you know I or I only need to work this much more because I need this much this much more in savings I need to get to the million dollar Mark I’m only $200,000 away that’s not a that’s a bad system you’re better off getting the answer from a professional that says you know what you can retire now or no you need 200,000 more better to have someone tell you that than to just kind of guess and not know and just say yeah I’m going
00:20:55
to retire at 67 because I don’t know that’s my full retirement age the government says so yeah no that’s not a good reason right but if you don’t do it you might just wind up working for no reason other than to work or from just apathy of not knowing and not wanting to do anything crazy or you might the flip side you might get fired or you might become unhealthy and you have to leave work and then you hit the panic button because you didn’t plan right but if if you plan and it says yeah I have to work
00:21:26
two more years and then you get fired then you know all right I already did this plan I need to work to years I got to figure out a a play to get me two more years of income let’s revisit that or if you do the plan it says you can retire now and you’re like I don’t mind and then you get fired you won’t go oh my God I can’t you’ll be like I was waiting for that can I get a severance right so no matter what have a plan in place I I just don’t see how it hurts I really don’t yeah it can only help and
00:21:56
especially if you’re working with a financial services professional somebody who’s looking out for your best interest to help you avoid costly mistakes along the way and plan for crazy things like inflation and interest rates right right and and also eliminates come of some of the fears because a lot of people fear things it was in this study too they fear Social Security running out they fear um mental illness you know like uh dementia they fear you know very common things but certain ones of those can be eliminated
00:22:27
by information I fear not having I fear running out of money all right well we did the math the only way that’s going to happen is if you do X Y and Z well I don’t I’m not going to do that well then you don’t have to worry about running out of money but I like to fear running out of money because that’s what everyone says I should fear right I want to fear something can well fear not traveling enough right right fear missing out uh you know I forget what the name of the that was the man in the
00:22:55
mountain the man man in the mountain there was that face the the portra the out of stone in New Hampshire I think it is oh yeah yeah it fell it’s like fear missing that you should have gone and seen it when it was there now it’s now you can only see it in pictures that’s the kind of fear that’s Justified not out M and I don’t know what maybe think of that interesting an very chiseled face I’m looking chiseled face falling see you should have went and saw that face in the Rocks kids when
00:23:27
I when Dad told you see now that’s the takeaway good job financial plan it only can help that’s what I want to conclude with Tony I don’t think anyone can disagree with that right um why not really why not even if it’s a rudimentary plan at least start start with somewhere and eliminate a lot of the fears eliminate a lot of the unknowns and if something happens where you’re forced to retire early you’ll have a plan if it’s not you might have the plan to retire before you need you
00:23:58
know plan you you know retire early just because the math says you can do it and best case scenario it says you can retire now and you say I don’t want to that’s okay too right no one’s telling you just because the plan says you can retire now that you have to do it but if you don’t have it you’re just going to go through mindlessly until someone makes plays your hand for you take control create a plan that’s the message Tony thanks for another good show yeah thanks Dan Stone Face catch you next
00:24:27
week all matters just discuss in today’s show for informational purposes only this show is not investment advice Dan wi nor dolphin Financial Group are affiliated or endorsed by any government agency investment advisory services are offered through Dolphin Wealth Management Inc a registered investment advisor in the State of Florida Insurance products and services are offered through Dolphin Insurance Inc dolphin Wealth Management Inc and dolphin Insurance Inc are affiliated companies doing businesses as dolphin
00:24:55
Financial Group you should talk to someone at dolphin n group before implementing any of these strategies or ideas