Ep. 27 | Case Study: What Comes After “We’re On Track”?

In this episode of Plain English Finance, Tré Bynoe, CFP®, CIM® walks through a real-life case study (with names changed) to explore what happens when you’ve already “made it” — when your retirement savings are on track, your debt is under control, and your financial plan is stable.

Tré and Sierra unpack the next stage of wealth building: turning a strong foundation into long-term flexibility and opportunity. They discuss how to transition from saving for retirement to managing money for life, including optimizing taxes, separating income from expenses, and building an “opportunity fund” that gives you the freedom to act when life changes.

This episode challenges the idea that financial success means slowing down. It’s about not coasting on autopilot.

Key Topics:

• What to focus on once you’ve already met your retirement goals
• Turning non-deductible debt into deductible debt
• Why a non-registered account creates future options
• Tax-efficient planning for couples in different brackets
• Balancing security with enjoying life and spending intentionally
• How to build an “opportunity fund” for flexibility and freedom