In this episode of Roadmap to Retirement, I am joined by John Howe-Wemett, CFP®, MSFP for a fourth time to discuss various aspects of financial planning for retirement. We address common misconceptions about Social Security, “is it a Ponzi Scheme?” and the importance of understanding its broader benefits. We cover the clickbait concept of retiring with one million dollars and highlight how financial needs vary significantly based on individual circumstances.

A substantial part of this episode is dedicated to finding joy in retirement, whether through buying desired items without societal judgment, spending quality with family, or giving to others. We conclude by affirming the crucial role of aligning financial planning with personal values to ensure a joyful retirement.