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The Pensioner's Paradox

The Pensioner Paradox

The two types of retirees

By Phil Gaudiano, CPA 20 Jan 2026

Income-Growth Framework

Why Do Some Retirees With Half the Money Sleep Better?

The woman sitting across from me had $1.8 million in her retirement accounts. She was 68 years old. Healthy. No debt. Pension coming in. Social Security started. And she wouldn’t book the trip to see her grandkids. “I know I should go,” she told me during our tax

By Phil Gaudiano, CPA 19 Jan 2026
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Phil Gaudiano, CPA

Phil Gaudiano, CPA

Tax & Retirement Income Planning by Phil Gaudiano, CPA

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