Let's do another real person retirement planning chat where this week I'm joined by Daryl in this, the 205th episode of the Retirement Planning Education Podcast.

Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans, taxes, social security, Medicare,

portfolio withdrawal strategies, annuities, estate planning, and much more. And now here's your

host, Andy Panco. Hello, everyone. Welcome back. Thank you as always for listening. So today

is this month's real person episode comes out on the third Thursday of the month. And this week, I am joined by Daryl, will not share last name, but you, uh,

well, in a couple minutes here, Darrell's story.

And I hit him with the usual list of questions that I, uh, uh, run through with,

with all these real people episodes that I do.

So you all can have a sort of standardized

frame of reference of the questions asked and topics we dig into. So again, for those who are

newest to the show, the point of these real person episodes, real people episodes, are so that you

all can hear straight from the horse's mouth of other people who are doing or have been doing

or will be doing their own retirement planning to hear their challenges when they got serious about retirement planning, things they learned along the way, kind of some of the technical, technical stuff they're doing about Social Security claiming, what they're doing for health insurance, etc.

So maybe you all can hear a little bit of yourselves in these people or if nothing else, learn from, learn something from these folks or even just be a fly on the wall.

I find it's kind of interesting human nature type experiment to listen in on others' experiences and whatnot with retirement planning.

But hey, I applied for a job hanging mirrors.

It's something I can see myself doing as I stand in front of the mirror, which reminds me there's another joke,

something along the lines of, as I looked in the mirror at my naked body, I thought, man, you should

really, whatever, you should start doing working out more. And then the IKEA employee came and said,

Sir, can please put some clothes on or something like that. I just did not do that justice. But the point is, like, you're standing in front of a mirror naked, and you assume it's a person's house, but then no, you realize, oh, wait a second. No, they're in a store naked, which isn't cool. So don't do that. My big goofy smile moment is so last night was a Thursday night.

We went

to a friend's daughter's college graduation parties a little get together at her house. It was a

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