Retirement isn’t just about making sure your money lasts—it’s about making the most of the healthy, active years you have left. In this video, we cover 11 important retirement lessons, including why your first years of retirement matter so much, how your spending may change over time, and why building purpose, relationships, and freedom into your plan is just as important as your portfolio.

We’ll also break down three major financial mistakes retirees should avoid, including failing to coordinate Social Security, pensions, and retirement withdrawals, overlooking Medicare IRMAA costs, and waiting too long to plan for future RMDs.

The goal isn’t simply to retire with the biggest account balance possible—it’s to use the money you spent decades building to create a retirement you’re actually glad you lived.