Decoding Retirement Falling short of retirement goals? Here's how you catch up
Dec 30, 2025
This episode features Dave Goodsell, Executive Director at the Natixis Center for Investor Insight, who dives deep into the challenges many face with retirement planning. He reveals a staggering $450,000 shortfall many Americans contend with and addresses the importance of systematic planning. Dave discusses the high costs of healthcare and the need for catch-up strategies through tax-advantaged accounts. He emphasizes starting early, using employer matches, and practical planning habits to ensure financial stability during retirement.
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Retirement Is An Undefined Math Problem
- Retirement is a complex equation with many undefined variables like lifespan and future costs.
- Dave Goodsell says this uncertainty forces people to ballpark needs instead of making systematic plans.
Use Your Home To Narrow Shortfalls
- Consider downsizing or using home equity as part of your retirement plan to reduce shortfalls.
- Dave Goodsell suggests evaluating your home as a major asset while preserving shelter and comfort.
Bridge Gaps With Continued Work
- If you're far behind, consider phased or part-time work instead of full retirement.
- Dave Goodsell recommends leveraging career skills into consulting or nonprofit work for income and engagement.