Two-Thirds of Americans Think They'll Never Retire | Here's Why That May Not Be True | Full Ep

If you're a retiree or pre-retiree in Greenville, SC, wondering whether you'll actually be able to retire, this episode breaks it down. Retirement advisor Stewart Smith and Mitch Davies explain how a real retirement income plan works — including Roth IRA strategy, Social Security timing, paying off your mortgage, and building a monthly budget you can trust. A recent survey found that nearly two-thirds of Americans don't believe they'll ever be able to retire. Many people come in feeling like there's no path forward — no savings plan, no clear number, just a pile of statements and a nagging feeling that retirement isn't for them. This episode is for them, using a real client story to show exactly how someone in that same spot retired comfortably. ━━━━━━━━━━━━━━━━━━━━━ Book a free 15-minute call with Stewart — no obligation, just a conversation. 📞 (864) 775-5033 👉 ClearPathRetirement.com/schedule ━━━━━━━━━━━━━━━━━━━━━ WHAT YOU'LL LEARN → Why so many people feel behind on retirement since the pandemic → How a Roth IRA and smart Social Security timing helped one woman retire on a modest income → Why retirement is about income, not just your account balance → How an extra $500 a month in savings can mean six figures more by retirement → Why helping adult children financially can quietly derail your own retirement plan → Why there's no loan for retirement — and how to prioritize saving over college costs → Why paying off your house and claiming two Social Security checks matters → Why old 401(k)s and small pensions are easy to forget and hard to replace → How to build a monthly budget that shows you exactly where your money is going WHO THIS IS FOR → Retirees and pre-retirees in Greenville, Columbia, and Upstate South Carolina → Anyone who feels like retirement is out of reach or "just not for them" → Anyone wondering if their current advisor has a real plan in place TIMESTAMPS 00:00 - Why two-thirds of Americans think they'll never retire 01:27 - Retirement is about income, not assets 05:29 - Maria's story — from waitress to retired 07:21 - The Roth IRA and Social Security strategy that changed everything 14:00 - It's not how much you have, it's what you need 19:00 - The power of compounding — how $500 more a month adds up 24:00 - Helping adult children without wrecking your own retirement 27:00 - Why there's no loan for retirement 32:00 - A modest-income couple's real path to retirement 39:00 - Paid-off homes, two Social Security checks, pensions, and forgotten 401(k)s 41:00 - Why your expenses matter more than your account balances ━━━━━━━━━━━━━━━━━━━━━ SCHEDULE A CONSULTATION Call: (864) 775-5033 Web: ClearPathRetirement.com ━━━━━━━━━━━━━━━━━━━━━ LISTEN TO FULL EPISODES ClearPath Retirement Radio Find us on: 📺 YouTube: @ClearPathRetirementPlanning 🎧 Search "ClearPath Retirement Radio" on Apple Podcasts and Spotify ━━━━━━━━━━━━━━━━━━━━━ OFFICE 300 Executive Center Drive, Suite 104 Greenville, SC 29615 ━━━━━━━━━━━━━━━━━━━━━ Investment advisory services offered through Alphastar Capital Management, LLC, a SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that the adviser has attained a particular level of skill or ability. Fixed insurance products are offered through Clearpath Retirement Planning, LLC and Alphastar Capital Management is not involved in the offer, recommendation, sale or management of commission-based fixed Insurance products. Alphastar Capital Management and Clearpath Retirement Planning, LLC are separate and independent entities. This is for informational purposes only and is not intended as legal, tax or investment advice or a recommendation of any particular security, investment product or investment strategy. #clearpathretirement #clearpathretirementplanning #clearpathretirementradio #greenvillesc #retirementplanning #retirementincome #socialsecurity #rothconversion