Episode 26 of The Smarter Money Show delves into retirement planning, guiding listeners on building a nest egg to support their dream lifestyle, regardless of age or income. It emphasizes starting early, as saving $5,000 annually at 7% from age 25 yields $1.1 million by 65, compared to $254,000 starting at 45. Key strategies include maximizing tax-advantaged accounts (e.g., 401(k)s, Riester pensions), investing in diversified ETFs like VOO, and planning for healthcare costs ($315,000 for a U.S. couple).The episode highlights global challenges, like strained pension systems in Germany, and offers solutions like diversifying income streams with REITs or dividends. A practical roadmap helps listeners estimate needs, set savings goals, and review plans annually to ensure financial security in retirement.

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