Too many people wait until the last minute to think about retirement, and it costs them big. In this episode of The MilMo Show, I break down the most common retirement mistakes people make (and the smarter moves you can make right now).

We dive into everything from debt and savings pitfalls to why communication with your spouse is critical, to how to test-drive your retirement lifestyle before you actually retire. I also share insights from 25 years of advising families, plus my own lessons from military service to financial planning.

If you’re within 5–10 years of retirement, or even just starting to think about it, this conversation could save you from painful, costly mistakes.