Retired But Not Ready: How Our People Are Getting Set Up to Struggle in Their 60s
We worked our whole lives but nobody handed us the blueprint for what comes next.
Let me tell you something real not dressed up, not watered down. This is the kind of truth that breaks chains, not brains. Around here, we keep it plain because clarity is freedom. If you’ve ever felt talked over or left out by the financial system, take a breath. You’re safe here. Let’s talk.
Just because you hit 62 or 65 and start drawing Social Security, that don’t mean you "made it." (real talk) I need us to understand this: retirement is not a finish line. It’s a new battlefield. And too many of our people are walking into it unarmed.
We spend our lives working. Raising babies. Living faith filled. Taking care of everybody. Then one day, we wake up and realize the pension we thought we’d have is gone, the 401(k) isn’t enough, and Medicare doesn’t cover half of what we need. Hush yo Mouth!!
Let me break it down:
1. Medicare is NOT Long-Term Care
I love our people, but we’ve been lied to. Medicare is healthcare, it is NOT long-term care. That means if you or your spouse ends up in a nursing home, Medicare might cover a short rehab stay… but not the months (or years) of actual care. That’s Medicaid territory and if you don’t protect your assets in advance, Medicaid will come for everything.
Yes, even your house. Yes, even the money you planned to leave your kids.
2. Annuities: The Retirement Paycheck Nobody Talks About
You know how every month your bills still come? Retirement doesn’t stop that. You still gotta eat. Still gotta live. Annuities can give you guaranteed income for life, like a paycheck that never runs out. But most folks don’t even know they exist because nobody taught us. We were too busy surviving. Its time Out for that!
3. Asset Protection Isn’t Just for the Rich
You do not have to be wealthy to protect what you’ve worked for. You just need a strategy. That’s where we come in. With the right tools like irrevocable trusts, POAs, final expense, and long-term care coverage you can age with dignity instead of debt.
4. Retirement Isn’t the Time to Coast. It’s the Time to Cover
This is the season when life starts shifting fast. Health changes. Income gets fixed. Loved ones pass on. And if you’re not prepared, it can hit you like a storm. But with a Peace of Mind Plan, you don’t have to panic. You’ll know what’s covered, what’s protected, and who’s in charge.
We’re not just planning for retirement, we're planning for reality.
If you’re already retired or getting close, this is your moment to pause and ask:
Do I have income that will last as long as the lord gives me to live?
Is my home protected from Medicaid recovery?
Have I planned for long-term care, or am I assuming Medicare will handle it?
Is my spouse or family set up if something happens to me?
If any of those made your stomach drop or keeps you up at night then it’s time to get your strategy in place and your financial house in order.
Book your Peace of Mind Session now. Let’s make sure your next chapter is covered, Real Talk.
Don’t wait until the deposits stop coming but the bills don’t. Protect your peace while you still can.nity.
Sign up for the Peace of Mind Checklist
Make sure your Financial House is in Order with love, clarity, and real strategy.
If this blessed you or gave you clarity, don’t keep it to yourself.
Forward it to your sister, your daddy, or your church group. We change the game together.
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— Tinisha
