Latest / TaylorMade Retirement with Taylor Demars, CFP® / Retirement Reality Check: 2026 Version

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Retirement Reality Check: 2026 Version · TaylorMade Retirement with Taylor Demars, CFP®

• 0:01
  SPEAKER_01: Retirement planning today doesn't look like it did even a decade ago, let alone the way it did for many of our clients' parents.
• 0:08
  SPEAKER_01: So today we're unpacking five realities you should be aware of in 2026 to build toward a more successful retirement.
• 0:17
  SPEAKER_00: Welcome to Taylor Made Retirement, where we explore what it takes to build a retirement that works for your money and your life with third generation certified financial planner Taylor DeMars.
• 0:29
  SPEAKER_02: Welcome in once again to Taylor Made Retirement.
• 0:32
  SPEAKER_02: Thanks for tuning into the podcast with Taylor DeMars and myself.
• 0:35
  SPEAKER_02: And today's topic, yeah, is a little uh 2026 version of the retirement reality check.
• 0:42
  SPEAKER_02: I think we do these every couple of years, or maybe we even do one a year.
• 0:45
  SPEAKER_02: I don't know at this point.
• 0:47
  SPEAKER_02: We do a lot of the stuff.
• 0:48
  SPEAKER_02: Uh, but because stuff's always changing, Taylor, right?
• 0:51
  SPEAKER_02: In your world, you know, yeah, there's you know, like in there's a lot of those universal things, right?
• 0:56
  SPEAKER_02: You could say, yes, social security is always a conversation, taxation is always a question, but how they work annually sometimes can the rules can change and and the things can change, right?
• 1:06
  SPEAKER_01: Indeed.
• 1:06
  SPEAKER_01: Indeed.
• 1:07
  SPEAKER_01: The only constant is change.
• 1:08
  SPEAKER_02: Yeah, that is very true.
• 1:09
  SPEAKER_02: So you guys are always kind of having to pivot, which means you know, the end user, the clients have to pivot or be, I think that's the one key to a success is be okay or willing to pivot.
• 1:20
  SPEAKER_02: Uh that certainly could be a valuable piece.
• 1:22
  SPEAKER_02: So I've got five of like 372 uh different reality check items we could go through.
• 1:28
  SPEAKER_02: I don't have that many.
• 1:29
  SPEAKER_02: Uh, but I do have five I want us to run down today.
• 1:32
  SPEAKER_02: Just so I'll just kind of give these to you.
• 1:33
  SPEAKER_02: Um, you know, these are how the world, you know, maybe some things have been changing here in in 2026, and how you guys, you know, help people uh craft their strategy or the things that they need around some of these uh these points, okay?
• 1:46
  SPEAKER_01: Right, yeah, that'd be great.
• 1:47
  SPEAKER_01: And I and I'd speak, I would echo your point there, Mark, because I I'm blessed, I'm fortunate to be able to step into a firm several years ago that I didn't start on my own, but you know, was started by my grandfather and then my dad, and I get to work in this this the sphere where I get to work with clients that have been through these different retirement realities, right?
• 2:07
  SPEAKER_01: That we're talking about today.
• 2:08
  SPEAKER_01: And and it goes without saying, but the way that grandpa did retirement tire retirement planning starting back in the 70s and and dad having done retirement planning for the past few decades, that we it it's not the same every decade, and it does change a tad every year, especially according to some of these categories we're gonna talk about, I'm sure.
• 2:24
  SPEAKER_01: But um I I I'm fortunate to see sort of how things adapt and why it's better.
• 2:29
  SPEAKER_02: Yeah, that's a great point, right?
• 2:30
  SPEAKER_02: Because it it's you know, yeah again, your grandfather had to help people with taxation, same as you do, but it's a different kind, it's a different reality, right?
• 2:40
  SPEAKER_02: So that'll be the topic.
• 2:41
  SPEAKER_02: So let's dive into it.
• 2:42
  SPEAKER_02: I've got a few I want to go through, like I said.
• 2:44
  SPEAKER_02: So retirement today, Taylor, is also well, let's use your grandfather as an analogy, you know, as a fun pivot for some of these.
• 2:50
  SPEAKER_02: Retirement has become a much more active stage of life than certainly your grandfather was helping his clients uh plan for and your dad.
• 2:58
  SPEAKER_01: Yep, right?
• 2:59
  SPEAKER_01: Yeah, I'd agree with that.
• 3:00
  SPEAKER_01: I think it was more of a societal dorm, but the prior generations seemed to have worked longer, right?
• 3:05
  SPEAKER_01: I think if part of it was influenced probably probably by uh a system that was built around pensions, right?
• 3:09
  SPEAKER_01: Which is kind of uh is a is definitely a dying breed.
• 3:12
  SPEAKER_01: But people just seem to work longer, you know, well into their 60s, maybe their 70s sometimes.
• 3:17
  SPEAKER_01: And I think today's retirement generation, right, is is more prone to seeing how they saw their parents doing it and maybe wanting to do it differently, or seeing those that retired earlier and saying, Hey, why don't I do that?
• 3:30
  SPEAKER_01: Right.
• 3:30
  SPEAKER_01: Because we're big proponent big proponents here of with better planning, we can unlock years for clients to use their wealth while they have their health.
• 3:38
  SPEAKER_01: And so it thus, as you said, becomes a more active stage of life when we can talk about retiring in our 50s or our 60s, 60s, right?
• 3:44
  SPEAKER_01: Early 60s.
• 3:46
  SPEAKER_01: And uh, and that's something we I love doing.
• 3:49
  SPEAKER_01: I love helping clients being able to unlock those years that that are worth more than the dollars they would get.
• 3:55
  SPEAKER_01: So they can make those memories with their spouses and loved ones and so on.
• 3:59
  SPEAKER_01: And while they're they're their their mind is still sharp-ish and their and their knees are still good-ish, right?
• 4:05
  SPEAKER_01: As we like to joke.
• 4:06
  SPEAKER_01: And uh because that that's not a forever thing.
• 4:09
  SPEAKER_01: So definitely planning around go-go, slow go, no-go phases of retirement brings more urgency to how do we make how do we capture that that that witch is fleeting now.
• 4:18
  SPEAKER_02: Okay, I like it.
• 4:19
  SPEAKER_02: Except for the shot at my knees, I like it.
• 4:20
  SPEAKER_02: Other than that, it's pretty good.
• 4:22
  SPEAKER_01: Hey, my my knees uh start to creak sometimes too.
• 4:24
  SPEAKER_01: So I'm in the same boat.
• 4:25
  SPEAKER_02: All right.
• 4:25
  SPEAKER_02: Next one here.
• 4:26
  SPEAKER_02: And again, if you think about it, I like this analogy of thinking about how your dad and your granddad might have done it or or needed to do it based on those times.
• 4:34
  SPEAKER_02: Kind of a fun way to do this.
• 4:35
  SPEAKER_02: Um so fewer people are quitting work cold turkey.
• 4:39
  SPEAKER_02: And I'm gonna push back a little bit on this when we print it, made these notes from a producer's standpoint here.
• 4:44
  SPEAKER_02: I think fewer people of the Gen X and generation and up are quitting less cold turkey.
• 4:50
  SPEAKER_02: I think the younger generations might be uh because there's there's this whole societal thing right now about you know you shouldn't work 50 years and just to retire for five and then so on and so forth.
• 5:00
  SPEAKER_02: But that's a different conversation for another day.
• 5:02
  SPEAKER_02: But I think you know, my age, so certain certainly uh I'm a Gen Xer, so people over 50 who are now starting to approach retirement, starting to get more serious about it, uh, or people who are already right at that, you know, retirement door are certainly you know capable now, I think, of just saying, Nope, I'm done, I'm quitting, I can't handle it anymore, versus like what your granddad might have seen.
• 5:23
  SPEAKER_01: Sure, sure.
• 5:24
  SPEAKER_01: And yeah, it it's it's hard to, you know, we don't want to stereotype generations too much here, but there's definitely some data to support it.
• 5:31
  SPEAKER_01: Right, right.
• 5:32
  SPEAKER_01: And so, yeah, the difference between people quitting cold turkey versus otherwise, we see both.
• 5:38
  SPEAKER_01: Some people want to shut that door chapter, and maybe they have just too much PTSD from their employer for what their their job role was, and they do want to stop cold turkey, and that's fine.
• 5:48
  SPEAKER_01: But more often we're designing plans around uh, we like to say on here on the podcast, you know, a work optional lifestyle, where is how do you define retirement, right?
• 5:57
  SPEAKER_01: For some people, it means they stop working their 40 or 40 plus hour work week, and and maybe they retire and they become a uh a consultant, right, for their firm and they they set their own hours, they work more part-time.
• 6:08
  SPEAKER_01: Maybe they are still working in their industry, and maybe it is four out 40 hours of work, uh work week, but it's in a job, much slower-paced job, maybe more impactful work.
• 6:17
  SPEAKER_01: They're not they're not chasing uh maximizing their paycheck, but they're prioritizing what might suit their fancy of a passion, right?
• 6:23
  SPEAKER_01: And and so there's so many different ways you could go with that.
• 6:25
  SPEAKER_01: And so we're we're designing plans for people to say, yeah, maybe maybe you do stop making, you know, as your max earning years of income now, and for a period of time, you know, five, maybe several more years than that.
• 6:37
  SPEAKER_01: What what what does the plan look like?
• 6:39
  SPEAKER_01: Because surprisingly, I continue to be surprised by how much a plan continues to work well if people retire much earlier than they thought.
• 6:46
  SPEAKER_01: But even with even I can't, you know, can't guarantee anything, but even a half as much of income, right?
• 6:51
  SPEAKER_01: It just means that that's half the burden that their portfolio has to bear, right?
• 6:55
  SPEAKER_01: Or their other income sources for retirement.
• 6:58
  SPEAKER_01: And and and and that that's what we uh we enjoy figuring out is saying, hey, what is that that difference between cold turkey versus a phase retirement look like?
• 7:05
  SPEAKER_02: Well said.
• 7:05
  SPEAKER_02: Yeah.
• 7:06
  SPEAKER_02: And you know, that's gonna roll really into this next one, which is the healthcare conversation.
• 7:12
  SPEAKER_02: Because you know, whether it's uh whatever factor you want to you tie to this or whatever demographics you want to put to it, healthcare is still healthcare, and what people need is you know certainly changed and the prices have gone through the roof, as we know.
• 7:25
  SPEAKER_02: And you know, so there's while that we have better access, it's also incredibly more like it outpaces inflation, right?
• 7:33
  SPEAKER_02: Uh by a lot, typically.
• 7:34
  SPEAKER_02: So there's that whole ass that whole animal, which is way different than it was, you know, five, six, seven years ago, even.
• 7:40
  SPEAKER_01: It is.
• 7:40
  SPEAKER_01: Yeah, you speak about inflation, that's definitely a core thing of our planning.
• 7:43
  SPEAKER_01: We we we obviously factor in for inflation in our planning, but things like uh healthcare, education expenses, if we're funding grandkids, college tuition, these things that definitely outpaced inflation.
• 7:52
  SPEAKER_01: We set a different rate than general inflation for starters, right?
• 7:56
  SPEAKER_01: Uh, but yeah, it's a different reality planning for healthcare, especially pre-65, because uh, as at the time of this recording, we're here in uh September 2026, just a little over a year ago, the big beautiful bill was passed, and that that changed, you know, made some significant changes to how healthcare subsidies work.
• 8:12
  SPEAKER_01: Used to be a phased out, you know, eligibility, now it's a cliff, right?
• 8:16
  SPEAKER_01: Um, you can't treat every year the same and assume it's gonna be the same indefinitely just from what those costs look like.
• 8:22
  SPEAKER_01: Because I was just talking with a client yesterday who met with our um, we we set clients up with a healthcare uh planning consultant because I engineer the numbers, right, for a client's income, but I don't help people figure out their coverage options because that's not my bread and butter.
• 8:35
  SPEAKER_01: But there are our partner partner consultant, let a client know that, yeah, they're with subsidies, your health insurance might be a couple hundred dollars a month, but without it might be around$30,000 a year.
• 8:44
  SPEAKER_01: I mean, talk about unpredictability, right?
• 8:47
  SPEAKER_01: That's that's not something that you know prior generations or even a decade plus ago really had to deal with.
• 8:52
  SPEAKER_01: So that's that's part of what we're helping clients solve is how how do they solve that for their own situation?
• 8:57
  SPEAKER_02: Yeah, I mean, it's you know, there's uh it's a big animal.
• 9:00
  SPEAKER_02: I mean, it's it's an expensive big animal out there right now.
• 9:03
  SPEAKER_02: And and so therefore you've got to have a strategy, you know, to work around and and deal with some of those things that are gonna be coming down the pike.
• 9:10
  SPEAKER_02: Um, and I think this is certainly different than prior generations, certainly something probably different than your dad or your granddad saw for our next one here, uh Taylor, which is you know the the sandwich generation thing, the adult children leaning on their parents for a longer, you know, stretch than prior generations did.
• 9:28
  SPEAKER_02: And and that's you know, again, there's some real data on that as well.
• 9:32
  SPEAKER_01: Agreed, agreed.
• 9:33
  SPEAKER_01: Yeah, we're we're we're seeing, as people were, you know, I'll often say that we're seeing a sandwich generation effect where there's they're getting squeezed financially from the top from their parents, uh, or you know, maybe not financially, even it's just helping with uh actual care and their time, and also from the bottom from their children.
• 9:50
  SPEAKER_01: And so we see you know clients wanting to help their children through education.
• 9:54
  SPEAKER_01: Uh housing costs, especially post-COVID, have gone in insane.
• 9:58
  SPEAKER_01: And so we're seeing clients trying to help their children maybe with a down payment on their first home, uh, maybe sometimes a wedding, right?
• 10:05
  SPEAKER_01: Maybe helping them get a you know a solid car for their next chapter of their life.
• 10:09
  SPEAKER_01: And and so it may not contribute to their own retirement plan, but it is definitely dollars going out that I'm seeing increasingly uh clients want to do, which we want to support, but I will be the first person to be the bad guy because I feel like it's my role uh to be the scapegoat sometimes to say we got to pump the brakes on some of these numbers if we have to, to say, I I I love the generosity of wanting to help your child with a$100,000 down payment on their home.
• 10:32
  SPEAKER_02: Yeah.
• 10:33
  SPEAKER_01: But does it worth it the cost of working X number more years or trimming back on these determined goals?
• 10:38
  SPEAKER_02: What does it do to you, right?
• 10:40
  SPEAKER_02: I think that's that's a tough spot for you guys to be in in this industry as advisors and professionals, but it's also I you know, I agree with you 100%.
• 10:49
  SPEAKER_02: It's your duty, it's your obligation to go look, Mr.
• 10:51
  SPEAKER_02: and Mrs.
• 10:52
  SPEAKER_02: whomever, you know, you just this you can't keep doing this.
• 10:55
  SPEAKER_02: We all love our kids, but you are putting yourself in a real bind here.
• 11:00
  SPEAKER_02: Uh and and as the saying, I mean, many people have probably heard this a number of times, you can't finance retirement.
• 11:05
  SPEAKER_02: There's you can finance everything else, you know.
• 11:08
  SPEAKER_01: It's true, it's true.
• 11:09
  SPEAKER_01: And I and what I often see with clients before working with a planner, and I you know, and getting getting clarity on this, is it's kind of a lose-lose situation.
• 11:17
  SPEAKER_01: Either they're helping their children uh with with a significant amount of money, and and they uh they either don't know, right, that they that they can afford it, right?
• 11:27
  SPEAKER_01: Um and so they do it and they are are worried or or losing stress over it, but maybe their plan says they can't afford it, right?
• 11:34
  SPEAKER_01: And then if their plan can't afford it, then they're doing so ignorantly and and shooting themselves in the foot, right?
• 11:40
  SPEAKER_01: So uh at least with planning, you can get the clarity to know, okay, yeah I can get the whole kit and caboodle, the good news or the bad news, to know whether this is sustainable.
• 11:48
  SPEAKER_01: You say it may be hard for me.
• 11:49
  SPEAKER_01: I don't find it hard because I my my the advantage of me in in this this this situation is I'm the unemotional one, right?
• 11:57
  SPEAKER_01: I haven't re I I love my children, but I I have no relationship with my clients' children.
• 12:01
  SPEAKER_01: So I get to be the bad guy, right?
• 12:03
  SPEAKER_01: That tries to to to to be the the the objective third party devil's advocate to say, you know what, this is a great goal, and I'm all for making it happen, right?
• 12:11
  SPEAKER_01: And if it can't, then I I I kind of joke, but I mean serious, I I get to be the scapegoat that may say, hey, Mr.
• 12:18
  SPEAKER_01: That that Demars guy, you know, he says that we can only help with 50,000 instead of a hundred thousand, right?
• 12:23
  SPEAKER_02: Sorry, our financial guy said no.
• 12:26
  SPEAKER_01: The boring accountant, yeah, you know, the guy that that's me, right?
• 12:29
  SPEAKER_01: And that's what I feel like.
• 12:30
  SPEAKER_01: Well, you can carry that weight.
• 12:31
  SPEAKER_02: Yeah, you could carry that weight for them if they if they do have some of that 100%.
• 12:35
  SPEAKER_02: Yeah, some of that issue telling them.
• 12:37
  SPEAKER_02: Yeah.
• 12:37
  SPEAKER_02: I mean, because technically, you know, your job is not the money police.
• 12:40
  SPEAKER_02: It's not your job to say, you know, yeah, it's your money, do what you want to do with it.
• 12:43
  SPEAKER_02: But I'm advising you, uh, this is a bad move.
• 12:46
  SPEAKER_02: But if you needed to frame it that way for the, you know, for your kids' benefit, hey, go for it.
• 12:51
  SPEAKER_01: Yeah, and and that's just we're we're picking on kids, but like there are many, so many financial pressures out there from out that that the client's experience.
• 12:58
  SPEAKER_01: And and sometimes they want to do it, and sometimes they're looking for an escape to not do it.
• 13:02
  SPEAKER_01: And that's that's where I need to again be that scapegoat if needed.
• 13:06
  SPEAKER_02: All right, final one, Taylor.
• 13:07
  SPEAKER_02: And this one, you probably saw this one coming a mile away.
• 13:10
  SPEAKER_02: Uh how is it different than it used to be?
• 13:12
  SPEAKER_02: Certainly for your dad and granddad, AI.
• 13:15
  SPEAKER_02: Right?
• 13:16
  SPEAKER_02: Uh, technology is always evolving, you know, it's it's evolved from you know, through your dad's career, through your granddad's career.
• 13:23
  SPEAKER_02: Certainly, technology is always moving for us humans.
• 13:25
  SPEAKER_02: Uh, but how is this specifically this new, especially with the AI, changing how people research?
• 13:31
  SPEAKER_02: So, you know, social media and all that stuff, however, you want to factor that in, that is a completely different animal that you have to deal with that they just didn't.
• 13:39
  SPEAKER_01: It's true.
• 13:40
  SPEAKER_01: Yep.
• 13:40
  SPEAKER_01: And and AI is the epitome of a double-edged sword, right?
• 13:44
  SPEAKER_01: It has wonderful capabilities to do good.
• 13:47
  SPEAKER_01: It also easy.
• 13:48
  SPEAKER_01: And and us humans love easy, right?
• 13:51
  SPEAKER_01: We do.
• 13:51
  SPEAKER_01: And so, especially as many of our clients are trying to self-solve these answers and they're up at late at night, and you know, their spouse doesn't want to talk about it, no one's gonna answer the phone.
• 13:59
  SPEAKER_01: So Chat GPT or whatever you want to talk to is gonna be there to talk as much as you want about these questions and concerns.
• 14:06
  SPEAKER_01: The the the difference about how AI impacts retirement planning today is my concern is is is people's over-reliance on it because it is it's eerily convincing sometimes, you know, how how much you know these these chatbots can can can can tell you something and and seem to pack up data and assumptions and such.
• 14:26
  SPEAKER_01: And I see that myself as I as I run through, you know, I kind of like to bounce ideas off of it for business planning or also financial planning ideas.
• 14:33
  SPEAKER_02: Okay, but let me pause you.
• 14:34
  SPEAKER_02: That is the key.
• 14:35
  SPEAKER_02: You bounce ideas off of it.
• 14:37
  SPEAKER_02: I'm bet I'm betting that you then turn around and vet those ideas.
• 14:42
  SPEAKER_01: Yeah, and that's what I'm getting at is I catch it many times missing some very basic assumptions.
• 14:47
  SPEAKER_02: It still can't spell strawberry right.
• 14:51
  SPEAKER_01: I I saw I saw one time, uh, I think they've changed it now because enough people have called it out.
• 14:56
  SPEAKER_02: But they fixed it, yeah.
• 14:57
  SPEAKER_01: But but another issue that they've been doing for years is that these people have played this trick or this question that they'll say, Hey, I'm a hundred feet from the car wash.
• 15:06
  SPEAKER_01: Should I drive there or walk there?
• 15:08
  SPEAKER_01: And and all these chatbots were saying, Well, it's only 100 feet away.
• 15:11
  SPEAKER_01: Why don't you just take a take a breath of fresh air and take a walk?
• 15:14
  SPEAKER_01: Right.
• 15:14
  SPEAKER_01: And it complete and and it's that sort of example that like when you try and pose questions around some of the irreversible decisions, like around tax implications or starting Social Security and or some whenever I start retirement, right?
• 15:26
  SPEAKER_01: It can miss some really obvious things and yet sounds so convincing at the same time.
• 15:30
  SPEAKER_01: And and and and and it's not just big things, but it may miss small things, right?
• 15:34
  SPEAKER_01: Uh, you know, we talk about ACA healthcare subsidies.
• 15:37
  SPEAKER_01: If you're one dollar over the the the eligibility of income line, you lose tens of thousands of dollars of benefit, right?
• 15:44
  SPEAKER_01: Yeah.
• 15:45
  SPEAKER_02: I think that I'd I'm sorry, I think I think what we're doing is we're expecting it to go pull the data for us and give us the ex and give us that stuff, but it it can miss it, to your point.
• 15:54
  SPEAKER_01: Right.
• 15:55
  SPEAKER_01: And that's that's the crux, right?
• 15:56
  SPEAKER_01: Is is are these models updated with the latest information?
• 15:59
  SPEAKER_01: Right?
• 15:59
  SPEAKER_01: That's half of my job sometimes, is just being keep my ear to the ground of what's happening in in legislation and economic changes and the market, right?
• 16:06
  SPEAKER_01: And how does that apply for my client scenario?
• 16:08
  SPEAKER_01: AI does is getting better and better, but at the end of the day, it's it can't be held accountable for its answers.
• 16:16
  SPEAKER_01: It's uh it's a it's a computer screen, right?
• 16:18
  SPEAKER_01: And that's that's where I end to be that accountability part of that says, well, my my reputation, my credibility, uh, my my business even may be on the line for what we're we're telling clients.
• 16:29
  SPEAKER_01: So it's it's that that's the I I'm not boo, you know, putting a wet blanket on on AI usage by any means.
• 16:36
  SPEAKER_01: It it's definitely a double-edged sword, but I agree with you.
• 16:39
  SPEAKER_01: It it's a thinking partner many times, right?
• 16:42
  SPEAKER_01: Yeah.
• 16:42
  SPEAKER_01: Um, but it it can't be your source of truth or or final decision making.
• 16:46
  SPEAKER_02: Correct, correct.
• 16:47
  SPEAKER_02: Yeah.
• 16:47
  SPEAKER_02: You know, and to your point, like the liability thing, you know, because they they certainly have, you know, it can make mistakes and all that stuff listed.
• 16:53
  SPEAKER_02: Makes me think of a comedian years ago who who was even poking fun at a at a um a well-named tax firm out there, and he was like, you know, you go get your taxes done there, and then they put at the bottom, we will not, you know, you know, we'll show up and we'll we'll even show up and help you in court.
• 17:08
  SPEAKER_02: And then it says, not as a legal representative.
• 17:11
  SPEAKER_02: And he's like, Well, what then?
• 17:12
  SPEAKER_02: As a well-dressed friend, why do I need you there?
• 17:16
  SPEAKER_02: There's no if you're not gonna back up what you did, why would I have you come and do it, right?
• 17:20
  SPEAKER_02: So same kind of idea, you know, the AI can be a great tool, just like the internet, you know, can be a great tool at times, but grain of salt, definitely need to take it with a grain of salt.
• 17:30
  SPEAKER_02: So uh there you go.
• 17:30
  SPEAKER_02: So some ways that 2026 uh are different and more challenging in the retirement reality.
• 17:38
  SPEAKER_02: That's a tongue twister.
• 17:39
  SPEAKER_02: So anything else, Taylor, before we go?
• 17:40
  SPEAKER_01: No, that's great, Mark.
• 17:41
  SPEAKER_01: I mean, at like I mentioned at the beginning, the the cliche saying is the only constant is change, and and and that's that's what we need to do.
• 17:48
  SPEAKER_01: I mean, when people are embarking on a 20, 30 year horizon for timeline for retirement, you can't assume that things are gonna stay this stagnant or stay the same throughout that timeline, or else you're gonna definitely end off end up off course.
• 17:59
  SPEAKER_02: Yeah, well said for sure.
• 18:00
  SPEAKER_02: You know, it's it's one of those things that's always, you know, technology is always evolving, rules are always changing, the reality is always uh, you know, pivoting to some degree or another.
• 18:10
  SPEAKER_02: So if you need some help with that, reach out to Taylor and the team, of course.
• 18:14
  SPEAKER_02: If you're already working with them, fantastic.
• 18:16
  SPEAKER_02: Uh, if you have not yet, consider subscribing to the podcast so you catch new episodes when they come out.
• 18:20
  SPEAKER_02: But certainly if you do need some help or you know someone who might could benefit from the conversations that we have, let them know to come check this out at whatever their uh podcasting uh site of choice is.
• 18:30
  SPEAKER_02: You can find all the information at demarsfinancial.com.
• 18:33
  SPEAKER_02: That's demarsfinancial.com.
• 18:36
  SPEAKER_02: And while they're there, or while you're there, you could click on the could we be a fit button and get started today with your own retirement readiness roadmap.
• 18:44
  SPEAKER_02: So reach out to them today and get started, and that's gonna do it for us this week here on Taylor Made Retirement with Taylor Demars.
• 18:50
  SPEAKER_02: I'll sign off for both of us and say thank you so much.
• 18:52
  SPEAKER_02: We'll see you next time.