Retirement Reality Check: Stop Hoping, Start Planning for Your Future.

• Many underestimate retirement challenges; confidence is falling due to inflation, healthcare costs, and market volatility.
• Focus on cash flow, not a "magic number"; savings must reliably cover 25-30 years of expenses.
• Conservative assets may not beat inflation; underestimate longevity and rising out-of-pocket healthcare costs.
• Avoid carrying debt into retirement; poor withdrawal planning can deplete funds quickly.
• Conduct a real reality check: map expenses, stress-test plans, and adjust savings or lifestyle.

Why It Matters: Don't assume retirement readiness; run the numbers and plan proactively for a secure future.