In this episode of Growing Money with Sean Trace, I sit down with Certified Financial Planner Nicholas Bunio to talk about real retirement planning for real people, especially teachers, doctors, nurses, and federal workers who want confidence, not hype. Nick shares how bad brokerage advice hit his own family, why discipline beats drama, and how a written financial plan gives you calm when markets swing. We connect martial arts to money, show up on rainy days, build a strong base first, emergency funds, cash flow, and risk that fits your nerves, then take smart offense. We cover pensions versus 403b and TSP, sequence risk, why Medicare does not cover long term care, and how to think about lifestyle, taxes, and custodial care without panic. If you have ever wondered how to stay calm, stick to a strategy, and be ready for anything, this conversation will help you turn anxiety into action. Find Nicholas Bunio on LinkedIn for a free 30 minute consult, and subscribe if you want clear, practical steps for retirement readiness.
