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⭐️⭐️ The Final 5 Years: 6 Costly Retirement Mistakes You Can't Undo

If you're retiring within the next 5 years, there are no do-overs.

The final stretch before retirement is when outcomes get locked in — income, taxes, flexibility, and lifestyle. Most people aren't making bad decisions at this stage. They're making no decisions at all and assuming they'll "figure it out later."

In this video, I walk through the 6 most costly retirement mistakes people make in the last 5 years before retirement, and why timing matters more than returns at this stage. These are the decisions that can permanently shape your retirement — for better or worse.

We cover:

- Why the final 5 years matter more than the first 30 - How sloppy transitions into retirement create long-term problems - Why focusing on performance instead of income is a mistake - How taxes, withdrawals, and account structure change everything - What being truly ready for retirement actually means

CHAPTERS: 00:00 - Setting The Stage 00:40 - Mistake #1 01:18 - Mistake #2 01:59 - Mistake #3 02:53 - Mistake #4 03:27 - Mistake #5 03:56 - Mistake #6 04:02 - How Do You Know When You're Ready to Retire? 04:58 - Final Thoughts 05:18 - Your Next Steps

This isn't about market predictions or chasing returns. It's about designing reliable, tax-efficient retirement income before your paycheck stops.

Canadian viewers: This video reflects Canadian retirement planning realities, including RRSPs, TFSAs, CPP, and OAS.

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