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You don’t make decisions about your later life in later life, you make them in midlife. And one of the biggest decisions? Where you choose to live.

In this episode of Money Without Math, Karen Coyne is joined by demographic strategist Bradley Schurman to explore how declining birth rates, aging populations, climate risk, and technological disruption are reshaping the future of cities, and what that means for your financial life.

They break down the idea that your zip code may be one of the most important drivers of long-term prosperity, and introduce a new way to evaluate where you live beyond just cost of living or tax rates. From the rise of remote work to the hidden risks in “affordable” cities, this conversation offers a more complete framework for thinking about where, and how, you want to live in the years ahead.

Whether you're planning for retirement, considering a move, or simply rethinking your current situation, this episode will challenge how you define opportunity, stability, and home.

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