The final five years before retirement can be the most important, and the most dangerous, years for your financial future. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith discuss why the years leading up to retirement require a different mindset than the decades spent building wealth. From lifestyle creep and spending habits to Roth conversions, tax planning, market risk, and retirement readiness, they explore the decisions that can have an outsized impact as retirement approaches. The conversation also highlights the importance of understanding your goals, defining what retirement actually looks like for you, and creating healthy financial boundaries before crossing the finish line. Retirement success starts long before retirement begins.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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What do $22,000 red-carpet beauty bills, Corvettes, and Amazon purchases have in common? They all reveal how lifestyle creep can quietly shape your financial future. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith explore the subtle ways spending habits evolve over time and why even small changes can have a major impact on retirement planning. From everyday conveniences and subscription services to luxury purchases and family spending, they discuss how lifestyle creep affects people at every income level. The conversation also highlights the importance of intentional spending, opportunity cost, and aligning your financial choices with the retirement lifestyle you truly want.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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Is retiring early really the dream or is there more to the story? In this episode, Ben and Megan Smith unpack the idea of early retirement and why it’s not as simple as following a checklist. The conversation explores the importance of stress-testing your income, defining your purpose, and understanding what you’re actually retiring to, not just from. They also highlight the balance between enjoying life today and planning for tomorrow, along with the role of meaningful work, community, and lifestyle choices. It’s a thoughtful look at how retirement is less about timing and more about creating a life that feels fulfilling at every stage.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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See omnystudio.com/listener for privacy information.