Retirement should feel more like a holiday break and less like a stressful countdown.

In this festive episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott use the Christmas season to explain what real retirement freedom looks like and how to plan for it.

Josh shares personal stories about family, freedom, and why retirement is not about hitting a magic number but understanding monthly spending and reliable income.

The conversation covers income planning, taxes, healthcare, Social Security decisions, and long-term care, along with listener questions about gifting, charitable giving, and legacy planning.

It is a warm, practical discussion designed to help you check your retirement list twice and feel confident about the years ahead.

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