# The Lie That's Holding You Back From Retirement

Page: https://stenobird.com/podcast/retirement-answers-5918904/the-lie-that-s-holding-you-back-from-retirement
Text version: https://stenobird.com/podcast/retirement-answers-5918904/the-lie-that-s-holding-you-back-from-retirement.md
Podcast: [Retirement Answers](https://stenobird.com/podcast/retirement-answers-5918904)
Published: 2026-05-22T10:00:00+00:00
Episode link: https://share.transistor.fm/s/7f1a5b4c
Audio file: https://media.transistor.fm/7f1a5b4c/d07fa79c.mp3
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JSON: https://stenobird.com/v1/public/podcasts/retirement-answers-5918904/episodes/the-lie-that-s-holding-you-back-from-retirement
Duration seconds: 781

## Resource

You've got the savings, the spreadsheet, maybe even the perfect retirement date circled on your calendar, so what's actually holding you back? In this episode, I get honest about the real reason so many people delay retirement, and it's not the money. I share two personal stories and the mindset shift that can help you finally step forward. 👉 Work With Us: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. Tune into this episode to find out: (0:00) Why are so many people delaying retirement? (0:45) Blaming finances when fear is the real issue (1:19) The comfort trap of sticking with what you know (2:21) How starting this podcast taught Jacob to begin anyway (4:44) Parenting parallels: you're never fully ready (8:32) Moving the goalposts on your retirement number (9:27) More money rarely fixes the emotional hang-up (10:33) You are what's holding yourself back, not money (11:06) Stepping into retirement unlocks real fulfillment

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## Transcript

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