Thoughts on Retirement

Retirement doesn’t have to mean sitting on a beach at 65. It can simply mean having the freedom to walk away from work if and when you choose—without money being the reason you’re stuck.

The earlier you start thinking about retirement, the more control you’ll have over your future. Even small contributions to a 401(k), Roth IRA, or HSA can snowball into meaningful wealth over time.

Whether your goal is traditional retirement, financial independence, or just peace of mind, the key is to start with intention. Know your “why,” understand your options, and take consistent action.

Retirement isn’t one-size-fits-all. But having a plan for it—even if it changes—is one of the smartest financial moves you can make.