@guerra.wealth: Most people don’t leave Florida because they want to. They leave because they didn’t see the math coming. It’s not one big expense that breaks a retirement plan. It’s the slow pressure of everything rising at the same time… year after year. And here’s the uncomfortable part, the closer you get to retirement, the less room you have to adjust. You can’t just “work a few more years” forever. You can’t out-invest poor planning. And you definitely can’t ignore rising costs and hope it works out. The question isn’t “Can I retire?” It’s “Can my plan survive the next 20–30 years?” If you haven’t stress-tested your retirement against inflation, taxes, and rising expenses, you’re guessing. This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.