The most important retirement question isn't how much you've saved; it's whether what you have can actually fund the life you want. Too many people spend years working toward a number they never defined, and even more spend years past their finish line not knowing they already crossed it.

In today's conversation, Nic and Randy tackle the question every pre-retiree is really asking, "Am I good?", and break down what it truly takes to retire with clarity, confidence, and a plan that holds up in any market.
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Episode Timeline & Highlights
[00:00] – Meet David and Suzanne: $3.2 million saved and one burning question: Are we good?
[01:20] – Two kinds of retirees: The overconfident and the under-confident, and why both get it wrong.
[03:21] – The five-year myth: Why "I'll retire in five years" is often just a number people picked out of thin air.
[04:42] – You Inc.: How to think about retirement like running a business with a budget and a strategy.
[06:44] – Eating the elephant: Why breaking retirement obstacles into small pieces changes everything.
[08:54] – The power of options: What knowing your numbers actually gives you, and it's not just money.
[13:17] – The Bob story: A retired military client's tearful reminder that time is the one thing you can't get back.
[15:41] – The spending plan conversation: Why your financial advisor should help you spend, not just save.
[17:19] – Travel, kitchens, and legacy: How to build a budget for the life you actually want right now.
[20:34] – The mission: Marrying the quantitative and qualitative sides of retirement to live with real purpose.
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Links & Resources Mentioned
• Email: connect@meritfa.com
• Website: https://meritfinancialadvisors.com/about/locations/marietta-ga/
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Closing Thoughts
If today's episode resonated with you, please like, share, comment, and subscribe; it helps us reach more people who are ready to stop waiting and start living.
Stay coachable!
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Disclaimer:
Investment advice offered through Merit Financial Group, LLC, an SEC-registered investment adviser.