About this episode

Mike and Susan discuss critical financial planning strategies for those retiring in 2028, emphasizing the importance of the final two years before retirement.

Are you planning to retire in 2028? The final two years before retirement may be the most important financial planning window you'll ever have. In this episode, Mike and Susan explore the critical decisions that can determine whether retirement becomes a period of financial freedom—or unexpected financial stress. They discuss why simply estimating your retirement budget isn't enough, how to "test drive" your future income before leaving your job, and the tax strategies that can preserve more of your retirement savings. The conversation also breaks down sequence of returns risk, inflation, Social Security timing, Roth conversions, and why maintaining the right investment balance matters long after your last paycheck. Beyond the numbers, the episode explores one of retirement's most overlooked challenges: building a meaningful life after your career ends. From finding purpose to creating new social connections, retirement success depends on more than financial readiness. In this episode you'll learn: Why the last 24 months before retirement are so important How to test your retirement budget before you stop working Tax withdrawal strategies that can reduce costly surprises The…

People in this episode

Hosts: Mike, Susan

Topics covered

• retirement planning
• financial strategies
• tax strategies
• investment balance
• emotional adjustments
• lifestyle after retirement

Keywords

• retirement
• financial plan
• tax strategies
• Social Security
• inflation
• investment balance
• retirement lifestyle

Mentioned in this episode

Organizations: Social Security

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