Retirement Decisions Aren’t All Black & White

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Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. Phil pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas produces better outcomes.

Here’s some of what we discuss in this episode:

💰 Roth Conversions: Tax bracket timing matters

📊 Social Security: Math vs comfort decision

🛡 Life Insurance: Term vs permanent purpose

🏠 Mortgage Question: Numbers vs emotions

🧠 DIY Planning: Experience changes outcomes

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