In this episode, Mark and special guest Kevin Sebesta discuss retirement planning strategies after attending a Rock Retirement Club event in Grapevine, Texas.  The discussion emphasizes the concept of secure retirement income as an alternative to the 4% rule commonly discussed in the FI/RE (Financial Independence/Retire Early) community.  Key topics include the importance of secure income sources like social security, pensions, and annuities to cover essential retirement costs, the nuances between different retirement strategies such as total return portfolios and guardrails, and the personal decision-making process around when to claim social security.  The episode also highlights the importance of flexibility and adapting financial plans as personal circumstances and preferences change over time. If you would like your question answered on the show, please send an email to [email protected] and put “podcast question” in the subject line. Episode Links: Mark’s Money Mind YouTube Channel Life in FIRE Rock Retirement Club The Retirement and IRA Show Forget About Money - Fun Bucket episode with Mark & Kevin Social Security website Immediate Annuities - Advanced Annuity Calculator Timestamps: 00:21 Special Guest: Kevin Sebesta 00:59 Rock Retirement Club Event Recap 01:36 Understanding Secure Retirement Income 02:40 The 4% Rule and Financial Independence 04:12 Exploring Annuities and Lifetime Income 08:38 Essential Retirement Expenses 15:16 Fun Bucket and Financial Planning 18:59 Claiming Social Security and Survivor Benefits 20:32 Optimal Age for Social Security 22:07 Claiming Strategies for Couples 26:15 Social Security Myths and Realities 27:35 Planning for Retirement Income Gaps 32:57 Adjusting Retirement Plans 36:31 Balancing Math and Comfort in Retirement 37:47 Final Thoughts and Future Plans