The biggest retirement mistakes don't come from bad math.

They come from fear, they come from assumptions, and they come from decisions that look right on paper but feel wrong in real life.

Being overly conservative, it might make you feel safe, but it's creating risks that you might not even be aware of.

Don't you want to avoid working five extra years that you never would have had to? Don't you want to avoid this fact where you basically scrimped and saved and you didn't live the life you wanted to live? Year after a year, they have been saying they want to retire. Five years ago, they could have retired. More than enough money, more than enough assets, more than enough cash flow coming in to be able to retire. And a lot of it came down to one word, which is fear.

You will convince yourself, oh my God, Andrew, I can't retire until I'm 68.

That's what the spreadsheet says.

Or I would look at it and say, like, well, no, you've been way too conservative every single place you could be, and I think you could retire at 55.

Oh. What's up, everybody, and welcome to the Personal Finance Podcast.

I'm your host, Andrew, founder of MasterMoney.com.

And today on the Personal Finance Podcast, we're going to be diving into retirement with Jesse Kramer.

If you guys have any questions, make sure you join the Master Money newsletter by going to mastermoney.com slash newsletter. And don't forget to follow us on Apple Podcasts, Spotify,

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Now, today we're going to be diving into retirement with Jesse Kramer.

And now most people think retirement planning is about the math.

They want to pick the right withdrawal rate.

They want to think about Social Security and make sure they're picking the right timeline. They want to pick the right assumption when they're thinking about

rate of return. But after talking to thousands of different people about money, I've realized something.

The biggest retirement mistakes don't come from bad math. They come from fear. They come from

assumptions. And they come from decisions that look right on paper, but feel wrong in real life.

Today's conversation is about the difference and the gap between spreadsheets in life.

But it also is looking at when you need to make sure you trust the math, but also when you need to make sure you're making the right decisions.

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