Retirement isn’t just about reaching a certain age — it’s about having the means and the plan to retire with confidence.

In Part 2 of our Retire-In-Mint Condition series on Your Bread & Butter™, we break down the true cost of retirement, what expenses may decrease, what tends to increase, and how to think through the big question:

👉 “When can I retire?”

We also walk through the major retirement milestones (59½, 62, 65, 66–67), and how to build a smart retirement income strategy using both fixed and flexible income sources—while staying as tax efficient as possible.

✅ What may get cheaper in retirement (debt payments, commuting, taxes, clothing)✅ What may get more expensive (healthcare, Medicare, out-of-pocket costs, home repairs, inflation)✅ Retirement milestones by age:• 59½ – Qualified retirement account distributions• 62 – Social Security eligibility• 65 – Medicare• 66–67 – Full Social Security✅ The FIRE movement (Financial Independence, Retire Early)✅ How to generate retirement income:• Fixed sources: Social Security, pensions, annuities• Flexible sources: 401(k)s, IRAs, Roth accounts, brokerage accounts, cash✅ Staying tax efficient: knowing what income to pull—and when

Summary:

✔ Have the resources (no do-overs)✔ Have a vision✔ Create a plan

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What will retirement really look like for you?

In this episode of Your Bread & Butter™, we introduce the idea of the “Someday Window”—a simple way to uncover what your retirement lifestyle may naturally become once work obligations disappear. From travel and dining out to hiking, pickleball, and art classes, your “someday” priorities often become your biggest retirement spending drivers.

We also break down what tends to get cheaper in retirement (commuting, work meals, payroll taxes) and what often gets more expensive (healthcare, home repairs, inflation). Plus, we discuss the Retirement Spending Smile—why spending usually rises early in retirement, dips in the middle years, then rises again later due to medical costs.

In this episode, we cover:

✅ The Someday Window + Activity Map✅ What retirement spending actually looks like✅ Work, stop work, or phase out?✅ “Doughphobia” (fear of spending your own savings)✅ What gets cheaper vs. more expensive in retirement✅ Tax-friendly living (“Taxile Living”)✅ The Retirement Spending Smile + Moneymoon Phase✅ A lifestyle cost exercise you can do today

📌 In Part 2, we’ll answer the big question: How much do you need to fund your retirement lifestyle?

🌐 Learn more: www.privatefinancialdesign.com🎙 Subscribe to Your Bread & Butter™ wherever you get your podcasts.

Is “Made in America” making a real comeback—or is it more policy than practice?

In this episode of Your Bread & Butter™, Andrew R. Beaudry, CFP® and Ryan T. Cummings, CFP® break down the modern U.S. reindustrialization movement and what it means for investors. From AI-driven infrastructure buildouts to reshoring critical pharmaceuticals and semiconductor manufacturing, we explore where capital is actually flowing—and where expectations may be overstated.

Key topics covered:

• The historical roots of “Made in America” and its modern resurgence

• Government reshoring strategies: incentives, tariffs, and national security priorities

• Why AI and semiconductors are driving the largest U.S. industrial buildout in decades

• Major U.S. expansion plans from companies like NVIDIA, Apple, TSMC, AstraZeneca, and Hyundai

• The role of data centers, energy infrastructure, and industrial backlogs

• Why reshoring is likely to remain selective rather than universal

• What investors should understand about long-term reindustrialization trends

This conversation provides context—not hype—around how policy, geopolitics, and technology are reshaping U.S. investment landscapes.

🎧 Listen to Your Bread & Butter™ wherever you get your podcasts
🌐 Learn more: www.privatefinancialdesign.com