EP # 202 | The "One More Year" Trap: Why It's Rarely a Money Decision

Your Retirement Planning Simplified · Jul 16, 2026 · 9m

"One more year." It sounds responsible. But after a lot of these conversations, Joe has come to believe it usually has very little to do with money. In this episode, he pulls this apart and explains why the timing of your retirement matters more than most people realize.

Most people picture retirement as one long, even stretch. But the research and the real client stories tell a different story: retirement comes in phases, and the best years tend to be front-loaded. When someone says they'll work just one more year, the question worth asking is what is really behind that thinking. Sometimes…