Retirement isn’t a short pit stop anymore, it can last 20 to 30 years or more.

In this week’s episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into the evolving realities of retirement planning and why old rules like “the 4% rule” don’t hold up today.

From managing income and taxes to preparing for healthcare and long-term care, Josh explains how planning must adjust to life’s phases — the go-go, slow-go, and no-go years.

The pair also share family stories, book talk, and practical advice for retirees who want to enjoy life now while still protecting their future.

📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with an FSR advisor.