Jul 21, 2026

Retirement Regrets

Episode #52: What Retirees Wish They Had Done 10 Years Earlier

If you could go back in time and make a few changes before retirement, what would you do differently? While none of us can change the past, we can learn from those who have already been there.

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, shares some of the most common retirement regrets he hears from retirees and the valuable lessons they offer. From tax planning and Social Security decisions to healthcare costs, estate planning, and enjoying retirement, Ryan explains how taking action today can help you build a more confident and fulfilling retirement tomorrow.

In this episode, you'll learn:

  • Why starting retirement tax planning years in advance can save you money
  • Common Social Security claiming mistakes and how to avoid them
  • The importance of simplifying your financial life before retirement
  • How healthcare costs and estate planning can impact your retirement
  • Why balancing saving with actually enjoying retirement is essential
  • The value of communicating your financial plans with your family

Whether you're ten years away from retirement or already enjoying it, this episode will help you avoid common regrets and make smarter financial decisions that can improve both your finances and your quality of life in retirement.

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