6 reasons to retire as soon as you can

Work with me: https://farerfinancial.com/get-startedIf you have a pension and you keep telling yourself "just one more year" — this episode breaks down exactly what that decision is actually costing you.Most public employees think retiring early is the financial risk. But for pension holders, staying past the point of financial readiness has its own costs — and most people never run the numbers to see what they are.In this episode, Cole walks through six reasons pension holders should stop waiting: the time you can never get back, the health toll of a long public service career, the relationships taking a hit, the energy window that doesn't last forever, the Roth conversion opportunity most people miss entirely, and why pension holders consistently underestimate how financially ready they already are.The pension changes the math more than most people realize. This episode is about understanding exactly how — and what questions are worth asking about your own situation.Topics covered:Why your retirement date is a tax decision, not just a lifestyle decisionThe Roth conversion window between retirement and RMDs at 73Why pension holders compare themselves to the wrong benchmarkThe "one more year" syndrome and what it actually costsThis episode is for informational and educational purposes only and does not constitute personalized investment, tax, legal, or insurance advice. Viewing this content does not create an advisory relationship. The strategies and examples discussed are hypothetical and for illustrative purposes only. Always consult a qualified professional regarding your specific situation.Farer Financial LLC is a Registered Investment Adviser registered with the Washington State Department of Financial Institutions.