Most people have a retirement date in mind, but life doesn’t always cooperate. A job loss, health issue, or other unexpected change can suddenly move retirement up by several years. Sean explains why it’s important to know how your plan would hold up if that happened and how stress-testing different scenarios can help turn uncertainty into clearer decisions.
Here’s what we discuss in this episode:
📅 Earlier Than Planned: Retirement may arrive before you expect
🧮 Run the Numbers: Test whether your plan works several years early
🌉 Bridge the Gap: Part-time income may help cover shortfalls
🏥 Healthcare Matters: Early retirement can create pre-Medicare expenses
🪜 Plan in Stages: Income needs can change as Social Security and Medicare begin
🔄 Stay Flexible: Adjust spending and income sources as circumstances change
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