One surprise expense can throw a retirement budget into chaos—and it’s rarely the one you expect. Michigan’s Retirement Coach Mike Douglas breaks down why unplanned costs are so common in retirement and how they quietly disrupt even well‑built plans. From home repairs and medical issues to liquidity gaps and “variable” expenses that never feel predictable, this episode focuses on planning for what can’t be forecasted. It’s a practical conversation about cash reserves, flexibility, and why preparing for the unexpected is just as important as planning for monthly income.

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