Let’s get back to basics—addition and subtraction two ways to get to the same answer. However, we have a tendency to stick with addition. Today we’ll learn how subtraction can help you come out ahead. Why am I talking about elementary math on a retirement podcast? Listen in to find out.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:12] Is scarcity really a negative thing? [6:04] Stop trying to aim for precision [11:17] Stop making retirement planning your new job [14:03] Stop optimizing for returns [17:42] Stop thinking you have to retire to something rather than from something [21:25] Stop thinking you can wait [24:16] Stop thinking you need to resign yourself to what is LISTENER QUESTIONS [27:10] Turn off dividend reinvestment in your decumulation phase [30:00] A rucking comment [31:03] On Social Security survivor benefits [33:26] On inherited IRAs ROCK LIFE WITH DR. BOBBY DUBOIS [35:15] Movement studies [45:05] Why does movement matter? [48:51] Why the Hadza’s sedentary lifestyle is different from ours [50:55] Why vitamin D is or isn’t helpful TODAY’S SMART SPRINT SEGMENT [1:00:34] Find an opportunity to move Resources Mentioned In This Episode YouTube video - What You Should Know if You Inherited an IRA Episode 532 - How To Manage Your Scarcity Brain With Michael Easter Episode 530 - What Is True Retirement Planning? With Christine Benz Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center