Most people assume that if they’ve saved diligently, their retirement is secure. But the reality is that certain financial decisions—ones that seem harmless or even smart in the moment—can quietly erode your long-term security. Whether it’s taking on unexpected debt, mismanaging investments, or making emotional money moves, these mistakes can cost retirees tens (or even hundreds) of thousands of dollars over time.

Today, we uncover some of the most common and costly retirement pitfalls that people don’t see coming. From high-interest home equity loans to over-investing in trendy stocks, we break down why these decisions can backfire and what you can do instead to protect your future. By the end of this episode, you’ll have a sharper eye for potential risks and a game plan to ensure your money lasts as long as you do.

• (0:00) Retirement pitfalls
• (2:15) The biggest retirement mistakes people are making
• (5:12) The hidden cost of home equity loans & big purchases
• (10:30) Overloading on tech stocks & risky investments
• (13:49) The financial risks of helping adult children
• (19:20) Unnecessary life insurance & taking advice from the wrong people
• (25:00) Social Security, behavioral mistakes & staying on track

• 3 Steps to Retirement Planning
• Frank Luntz's Research

• Email at: Gregg.gonzalez@lpl.com
• Podcast: https://RetirementMadeEasyPodcast.com
• Website: https://StLouisFinancialAdvisor.com
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