Joe Polish sits down with Gary Sirak—CEO of Sirak Financial Services and Author of How to Retire and Not Die—and his son Max to explore what it really takes to build a retirement worth living. They cover the financial habits that quietly derail people, why planning what you retire to matters more than what you retire from, and the simple mindset shift that changed everything for Gary's Clients and career.

Here's a glance at what you'll discover in this episode:

• The one question Gary asks that no stack of financial paperwork can answer... and why most people heading into retirement have never thought about it
• Why work gives us far more than a paycheck, and what actually falls apart when it disappears without something to replace what it was quietly doing for you
• Why Gary never liked the phrase "bucket list" and what he uses with his Clients instead... and why the distinction changes how people think about the years ahead
• The exercise that forced one high-earning Client to finally see where all his money was going... and the uncomfortable family conversation that followed
• Why the distance between where you are and where you thought you'd be might be the thing quietly making you miserable, and how Gary stumbled into this realization at the height of his own career
• What "purpose" and "passion" actually mean in the context of retirement... and why Max's definitions are simpler and more useful than what you've probably heard before
• The tough conversation Gary had with a Client about credit cards that ended up changing how an entire family handled money
• Why retiring from something is a very different decision than retiring to something, and how that one reframe changes the whole conversation
• Why the money side of retirement turns out to be the part most people already have a handle on, and what almost nobody plans for

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