Bestselling Author and Retirement Expert, Dale McGregor, talks about how retirement income has changed over the past few decades—from traditional pensions to today’s world of 401(k)s and IRAs. He explains why guaranteed income matters so much psychologically and practically, and why most people actually spend more in retirement, not less. Dale walks through how he models income out to age 100 so clients can see whether they’re on track and how debt reduction fits into building realistic, sustainable income.