The one reason that everyone delays their retirement is because of head trash. It's not a real phrase. I just made it up. But head trash is the concept that I talk about where people are like, I'm going to retire. I think I'm in a good spot. But what if markets go down? Or you know what? Maybe I just wait one more year. One more bonus, then I'm going to retire. I know I should

retire, but I don't have long-term care yet. And what are we going to do? I mean, how am I going to spend my time? Am I going to have purpose? And I could retire, but my kids are still in college. So all of these thoughts, I'll call them head trash. It's not a perfect phrase. I'll use head trash primarily when I'm talking about

things that my clients don't need to worry about.

And so part of my job as an advisor is to advise, hey, here's an investment strategy, here's a tax plan, here's a withdrawal, you know, report, whatever it is. But also part of my job is to go, hey, here's a bunch of things you're worrying about right now that you just don't need to worry about. For example, I have clients that reach out, hey, oh my gosh, I can't retire yet. I don't have long-term care. I go, maybe you shouldn't worry about that because you have enough income from your portfolio. As long as that keeps growing and you have a sustainable plan, it's better that you actually don't go pay a separate company, insurance company, pay the premiums to yourself instead unless financially something shifts and legislation shifts and there's a new requirement or tax that occurs.

So it's not me just saying, hey, don't worry about it.

It's me saying, hey, don't worry about it for now.

But like anything, you have to keep tabs on it and be dynamic. So what I'm going to go through today, today is more of a story. I have lots of different podcast episodes that are deep case studies. Hey, if I have two million, how much can I spend? If I have 500,000, when can I retire? If I have 20 million, am I in a spot to never have to worry truly and can I leave the legacy I want? But then I also have specific episodes like you're going to hear today, which is just a story. And so I'm going to talk about the story that I had with a client of mine. So this is a client that is a very nice person. And so if they are watching, please know. I asked you if I had permission to post this and you said yes.

So don't forget that.

Just messing around.

That actually did occur.

But they told me that I could share the story.

Just can't share names, obviously.

So this couple, they were not worried about their retirement in terms of like 60 to 90, 60 to 100. That was not their concern. Their concern was, hey, we're worried from 55 to 60. It's these first few years of retirement. I think that's where most of our concern is. I said, totally get it. You're a human. That's why. You're not a robot. Let's dive into the finances. And so we did. And when we dove into the finances,

we found that they were going to be okay if they were tired at 55, but they didn't have a

brokerage account. And a brokerage account is what I call a superhero account. A superhero

account is a brokerage account, a taxable account, a joint account, an individual account.

All four of those accounts are the exact same thing. The financial industry just makes it really annoying for these basic phrases. They come up with all these different names. It's like those acronym people in your life that are always trying to sound smart. It's like just tell me what it is. So superhero, I call it a superhero because it allows for flexibility. And so this couple is going, okay, so like, why do we, why do we not feel at ease? I said, I don't know, like, what's your health care costs. Now, I knew what they were, but I wanted them to say them. And they said, yeah, you're right. I think that's it. And so sometimes I need my clients to say it out loud. If I just say what I think they're thinking, number one, I could be wrong.

But number two, if they don't actually speak it, they're not going to really ever have the ability to overcome it from my experience and from what mentors have shared and from what I've seen.

So I've asked them to share, hey, what did health care?

And it was for them,

about $8,000 a year each for health care until Medicare kicked in. That's significant.

And so the reason that I said that they had anxiety is for health care, college planning, and remodels. That was their head trash. I think I said healthcare a second ago. Health care is one of them, but

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