Most people wait years longer than they need to retire — not because they can’t afford to, but because they never see the full picture.

In this episode, I reveal the shocking numbers at age 60+ that completely flip the retirement equation, including:

• Why household spending often drops 25–40% at retirement

• How Social Security at 62 can instantly replace $18,000–$30,000 per year

• How Medicare at 65 can cut healthcare costs by $12,000–$18,000 annually

• Why a simple 4% withdrawal from $1M creates $40,000 of sustainable income

You’ll hear the real story of a couple who thought they had to work until 65 — and retired five years earlier once they stacked these numbers together.

This episode explains why retirement isn’t about hitting a bigger number — it’s about understanding how income layers, spending changes, and planning work together.

👉 If you want help stacking these numbers for your own situation, click the link and take my How Much You Need to Retire Quiz, and I’ll send you a personalized breakdown using my Red Zone Retirement Planning Process.

How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.