The Real Math of Working One More Year (It’s Not What You Think) episode artwork

EPISODE · Jun 6, 2026 · 9 MIN

The Real Math of Working One More Year (It’s Not What You Think)

from Ready For Retirement · host James Conole, CFP®

"Just one more year, to be safe."I've heard that sentence more times than almost any other in my career. One year becomes two, two becomes five. By the time they finally retire, something has shifted and retirement looks very different. This is the math of working one more year. Both sides of it.We're going to cover:- why Mark and Carol (example case) had $2.5 million saved and still couldn't say yes- the $600 a month question that changed everything in the room- what Carol said when I asked how many good years she and Mark actually had left- why Mark realised three of those years were already gone- the cost that never shows up on a balance sheet--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

"Just one more year, to be safe." I've heard that sentence more times than almost any other in my career. One year becomes two, two becomes five. By the time they finally retire, something has shifted and retirement looks very different. This is the math of working one more year. Both sides of it. We're going to cover: - why Mark and Carol (example case) had $2.5 million saved and still couldn't say yes - the $600 a month question that changed everything in the room - what Carol said when ...

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The Real Math of Working One More Year (It’s Not What You Think)

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This episode was published on June 6, 2026.

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"Just one more year, to be safe."I've heard that sentence more times than almost any other in my career. One year becomes two, two becomes five. By the time they finally retire, something has shifted and retirement looks very different. This is the...

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