In this conversation, Steve and Derrick from the Hoyl Financial Group discuss the common fears surrounding retirement planning, particularly the anxiety of running out of money and the quest for a 'magic number' in savings. They emphasize the importance of focusing on income generation rather than just accumulating a certain amount of savings. The discussion also covers the evolving perception of annuities, the significance of guaranteed income, and the strategic use of Roth IRAs for tax planning. The hosts encourage listeners to evaluate their financial strategies and consider the implications of tax planning in their retirement journey. <a href="https://hoylfinancialgroup.com/radio/#paycheckform">Get Your Complimentary Retirement Analysis</a> Social Media:&nbsp;<a href="https://www.facebook.com/HoylFinancialLLC/">&nbsp;Facebook</a>&nbsp;I&nbsp;<a href="https://x.com/i/flow/login?redirect_after_login=%2FHoylFinanacial">Twitter&nbsp;</a>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.