46 – How to Know When You’re Ready to Retire
Tue Feb 03 2026
In this episode of The Asset Preservation Hour, financial advisor Stewart Willis explains how to determine whether you are truly ready to retire and why retirement readiness goes far beyond hitting a savings number. Stewart and Spike Spengel discuss the emotional and behavioral challenges retirees face, including the fear of spending money, anxiety over taxes, and concerns about Medicare penalties.
You will learn why simple rules of thumb and flat spreadsheets often fall short, and how detailed cash flow planning and Monte Carlo simulations help create a more realistic retirement roadmap. Stewart also shares real stories about subscription overspending, borrowing from 401k plans, lifestyle habits that delay retirement, and the costly mistakes people make when they fail to plan ahead.
The episode also emphasizes the importance of early planning, involving spouses and children, having proper estate planning documents in place, and using smart strategies such as Roth 401k contributions and catch up provisions during your final working years.
If you want clarity, confidence, and a retirement plan that supports your lifestyle while protecting your family, this episode delivers practical guidance and real world insight to help you retire on your terms.
📞 Call 877-5-RETIRE or visit AssetPreservationWealth.com to schedule your complimentary portfolio and retirement planning review.
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In this episode of The Asset Preservation Hour, financial advisor Stewart Willis explains how to determine whether you are truly ready to retire and why retirement readiness goes far beyond hitting a savings number. Stewart and Spike Spengel discuss the emotional and behavioral challenges retirees face, including the fear of spending money, anxiety over taxes, and concerns about Medicare penalties. You will learn why simple rules of thumb and flat spreadsheets often fall short, and how detailed cash flow planning and Monte Carlo simulations help create a more realistic retirement roadmap. Stewart also shares real stories about subscription overspending, borrowing from 401k plans, lifestyle habits that delay retirement, and the costly mistakes people make when they fail to plan ahead. The episode also emphasizes the importance of early planning, involving spouses and children, having proper estate planning documents in place, and using smart strategies such as Roth 401k contributions and catch up provisions during your final working years. If you want clarity, confidence, and a retirement plan that supports your lifestyle while protecting your family, this episode delivers practical guidance and real world insight to help you retire on your terms. 📞 Call 877-5-RETIRE or visit AssetPreservationWealth.com to schedule your complimentary portfolio and retirement planning review.