The Three Stages of Retirement Explained

On this episode of Take Pride in Retirement, Josh and I talk about something deeply personal — a recent family trip celebrating my mom’s 80th birthday — and how it became a powerful reminder that retirement changes over time. We discuss the three major phases of retirement that financial planners often talk about: the “go-go years,” the “slow-go years,” and the “no-go years.” Each phase comes with different priorities, challenges, expenses, and emotional realities — and if your retirement plan only accounts for one stage, you may not be fully prepared for what’s ahead. We also explore the unique considerations LGBTQ+ individuals and couples often face when it comes to caregiving, long-term care, chosen family, healthcare planning, and maintaining dignity and independence later in life. This episode is about more than money — it’s about building a retirement that evolves with you and supports the life you actually want to live. ---- No matter who you are, where you come from or who you love, you deserve a retirement you can take pride in! Licensed fiduciary financial advisor Matt McClure hosts Take Pride in Retirement with these core principles in mind. Listen to Previous Episodes: https://takeprideinretirement.com/   Connect with Matt: https://takeprideinretirement.com/#co...   Subscribe to our YouTube Page:    / @takeprideinretirementshow   Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts   About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange, professional singing and acting #lgbtqretirement #finance #moneymotivation #investing #money #retirement #lgbtq #lgbt #gayretirement