What does retirement at age 60 look like for Allison in Northern Virginia? The EASIretirement.com calculator says Jimmy and Rosalynn in Georgia are on track to reach their retirement goals, even though they’re late starters - but are they being realistic? Ingrid used the free EASIretirement.com calculator too, but is she able to contribute more than her annual income to her 403(b) and her Roth? That’s today on Your Money, Your Wealth® podcast number 467 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, Perry and his wife in Winston-Salem also have 403(b) plans and they wonder if they should take the lifetime annuity or the managed payout in retirement? Finally, should Brad in Sarasota, Florida reserve his health savings account money for long term care insurance?  Access this week's free financial resources and the episode transcript in the podcast show notes, and Ask Joe & Big Al On Air for your Retirement Spitball Analysis, at https://bit.ly/ymyw-467 Timestamps: 00:00 - Intro 00:48 - What Does Retirement at 60 Look Like for Me? (Allison from Northern Virginia) 09:19 - Retirement Rescue Plan - YMYW TV Retirement Rescue Guide - free download for a limited time only! Get it by this Friday 09:59 - Late Starters. EASIretirement.com Says We’re OK. Are We Being Realistic About Retirement? (Jimmy & Rosalynn, GA) 16:07 - Earnings vs. Contributions When Using EASIretirement.com (Ingrid) 21:36 - EASIretirement.com - free retirement calculator 22:37 - Lifetime Annuities or Managed Payouts from Our 403(b)s in Retirement? (Perry, Winston-Salem, NC) 28:54 - Should I Reserve Health Savings Account (HSA) Money for Long Term Care? (Brad, Sarasota, FL) 34:11 - The Derails