Frank shares why some retirees end up returning to work and smart ways to help avoid the same fate. Tune in as he walks through the most common pitfalls that send people back into the workforce, along with proactive steps to keep your retirement on track.

A successful retirement isn’t just about hitting a number; it’s about building flexibility into your plan so you can handle surprises without panicking. Frank discusses common spending red flags, the importance of using conservative growth assumptions when planning, and examples of trade-offs that may help keep retirement on track if cash flow becomes tight. He also shares why emotional readiness is just as important as financial readiness, and how working with a trusted advisor can give you clarity and confidence.

Here’s what we discuss in this episode:

💼 Why some retirees run short and go back to work

📅 How quarterly reviews help catch problems early

🏖 Budgeting realistically for your active years

📉 Using conservative growth estimates

🔑 Small adjustments that can help keep you retired

0:00 – Intro

0:56 – Frank’s Vacation

1:29 – Listener Question   

2:59 – Importance of a Review

4:00 – Role of Emotions 

4:52 – Assessing Your Situation

6:07 – Why a Solid Plan Matters