In this episode of Capitalize Your Fridays, Taylor and Mike challenge the traditional idea that retirement is a single finish line at age 65 and instead explore how a more flexible, multi-stage approach can reduce financial risk and improve quality of life. They break down the financial pros and cons of early retirement, working longer by design, sabbaticals, semi-retirement, and career transitions -- showing how longevity, market volatility, burnout, and income timing all shape smarter planning decisions. Rather than treating work and retirement as “on or off,” this conversation reframes retirement as an evolving career cycle, helping you think more intentionally about cash flow, risk tolerance, and flexibility at every stage of life.