Lately, I’ve been seeing a TON of retirement planning content telling people:

"Don’t work another year. Retire now. You’re wasting time."

And honestly… as a retirement-focused financial planner, that message kind of rubs me the wrong way.

Not because it’s always wrong… but because I think there’s an angle behind it.

In today’s episode, we break down what One More Year Syndrome really is, why it’s become such a popular retirement planning trend on YouTube and podcasts, and why you may want to take this advice seriously… but also why you might need to take it with a grain of salt.

Because retirement isn’t just about sitting on the beach 7 days a week.

Retirement should be about purpose, meaning, freedom, and using your time, talents, and treasure in the way that matters most.

I also share a powerful story from a recent conversation with a prospective client who reached out after losing three of his closest friends last year, and how that kind of wake-up call can completely change the way you think about retirement timing.

At the end of this episode, I give you 3 questions to ask yourself to determine whether you’re truly delaying retirement for financial reasons… or if you’re simply afraid of stepping into the unknown.

If you're in your 50s or early 60s, have saved $1M+ for retirement, and you're wondering whether you should retire now or work longer, this episode is for you.

✅ Questions Covered In This Episode:

Should I retire now or work one more year?
Is One More Year Syndrome real?
How do I know if I’m financially ready to retire?
How do I find purpose after retirement?
What if I retire too early?
What if I wait too long and regret it?

⛳ PFR Nation (Who This Is For)

If you're over 50, have saved seven figures (or multiple seven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.

💬 Comment Below:

Are you stuck in “one more year syndrome”?

What’s holding you back from retiring today — taxes, market uncertainty, healthcare, or fear of the unknown?

I’d love to hear from real retirees and pre-retirees.

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This is for general education purposes only and should not be considered as tax, legal or investment advice.