The Lie That's Holding You Back From Retirement

From Retirement Answers by Jacob Duke, CFP®

May 22, 2026 · 13 min · Episode 156

About this episode

Jacob Duke discusses the psychological barriers that prevent people from retiring, emphasizing that it's not just about finances.

You've got the savings, the spreadsheet, maybe even the perfect retirement date circled on your calendar, so what's actually holding you back? In this episode, I get honest about the real reason so many people delay retirement, and it's not the money. I share two personal stories and the mindset shift that can help you finally step forward. 👉 Work With Us: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. Tune into this episode to find out: (0:00) Why are so many people delaying retirement? (0:45) Blaming finances when fear is the real issue (1:19) The comfort trap of sticking with what you know (2:21) How starting this podcast taught Jacob to begin anyway (4:44) Parenting parallels: you're never fully ready (8:32) Moving the goalposts on your…

People in this episode

Host: Jacob Duke

Topics covered

retirement planning
mindset shift
financial fears
personal stories
emotional barriers
goal setting

Keywords

retirement
mindset
financial planning
emotional hang-ups
personal stories
goalposts

Mentioned in this episode

Organizations: Rivertree Wealth, LinkedIn