Marcy Holbert

  Retire Before 65: Why Tax Diversification Matters More Than You Think When people talk about retiring before 65, the conversation usually centers on how much money you need. That’s understandable, but incomplete. The more important question is often where…

Retiring before 65 sounds like freedom, and it can be. But early retirement isn’t just an accelerated version of traditional retirement. It comes with different risks, longer timelines, and trade-offs that are easy to overlook if the focus stays on…