Most retirees plan for bills—but forget to plan for fun. In this episode, Tim Wood explains why separating “paychecks” from “playchecks” is a critical step in retirement planning. He breaks down how to identify essential expenses, build guaranteed income for necessities, and intentionally create a fun‑money bucket for travel, hobbies, and family experiences. The conversation also explores why market volatility, healthcare costs, and emotional spending decisions can derail retirement if they aren’t addressed early. Tim shares why planning isn’t just for millionaires—and how clarity and structure matter regardless of account size.

Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.

Safe Money Retirement® - Insuring Your Retirement Dreams

What if that “seven‑figure 401(k)” headline is hiding a much smaller number after taxes? In this episode, Tim Wood breaks down the reality of pre‑tax retirement accounts and why a large balance doesn’t always mean financial freedom. He explains how taxes, Roth conversions, and income planning shape what you actually get to keep, and why the shift from saving to spending is the most critical phase of retirement. The conversation also covers Social Security timing, longevity, and why guaranteed income planning matters more than chasing high probabilities late in life.

Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.

Safe Money Retirement® - Insuring Your Retirement Dreams

What if the documents you don’t have are the ones that could derail your entire retirement? In this episode, Tim Wood breaks down the often‑overlooked essentials of estate planning—from durable powers of attorney and healthcare surrogates to digital access and end‑of‑life wishes. He also shares how to replace your paycheck in retirement, create a stable income floor, and know whether you're truly ready to retire as millions of boomers hit age 65. Plus, Tim reveals a real‑life story of guiding a couple who thought they were unprepared but discovered a clear path forward.

Join Certified Financial Fiduciary®, Retirement Income Certified Professional®, and bestselling author Tim Wood each week to discuss protecting your retirement dollars, guaranteeing your lifetime income, wisely planning for taxes, and more. Visit us online at www.SafeMoneyRetirement.com for more information, to join us for this week's webinar, or to get a FREE copy of Tim's bestselling book.

Safe Money Retirement® - Insuring Your Retirement Dreams