# Six Things You May be Missing in Your Retirement  That Can Cost You Big, Ep 197

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Text version: https://stenobird.com/podcast/retirement-made-easy-302503/six-things-you-may-be-missing-in-your-retirement-that-can-cost-you-big-ep-197.md
Podcast: [RETIREMENT MADE EASY](https://stenobird.com/podcast/retirement-made-easy-302503)
Published: 2025-10-15T09:00:00+00:00
Episode link: https://retirementmadeeasy.libsyn.com/six-things-you-may-be-missing-in-your-retirement-that-can-cost-you-big-ep-197
Audio file: https://pdcn.co/e/traffic.libsyn.com/secure/retirementmadeeasy/Six-Things-You-May-be-Missing-in-Your-Retirement-That-Can-Cost-You-Big.mp3?dest-id=2239214
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Duration seconds: 1768

## Resource

Are you confident your retirement plan covers everything, or are there blind spots that could cost you down the road? In this episode of the Retirement Made Easy podcast, I reveal six commonly overlooked areas that can quietly sabotage even the most well-intentioned retirement strategy. From inflation shocks and healthcare surprises to tax missteps and market overconfidence, I'll walk you through the pitfalls I see time and again so you can learn how to avoid them. If you want a retirement that's not just comfortable but resilient, this episode is a must-listen. My goal is to walk you through these areas so you can strengthen your own plan and avoid costly mistakes. Today, I break down six critical areas that often get overlooked in retirement planning. First, I highlight the importance of preparing for large, irregular expenses. Second, I stress the impact of inflation, reminding listeners that costs will rise steadily over time and must be factored into any long-term plan. Third, I caution against assuming past investment performance will continue, urging retirees to prepare for market downturns with a solid strategy. Fourth, I explain how tax planning (especially Roth conversions) can significantly reduce your lifetime tax burden if done thoughtfully. Fifth, I dive into healthcare planning, noting that Medicare isn't free and doesn't cover everything, so understanding your coverage and out-of-pocket costs is essential. Finally, I emphasize the importance of proper beneficiary designations and asset titling to avoid probate issues and unintended consequences after death. Together, these six areas form the foundation of a resilient, well-rounded retirement plan. You will want to hear this episode if you are interested in... (00:00) Intro. (04:20) How to handle large,…

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## Transcript

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