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In this episode of Keeping It Real, Irene Meyer and Philip Villanueva dive into one of the most common and costly mistakes people make as they approach retirement. If you’ve spent your whole life working and saving, only to wonder “Now what?” this conversation is for you. Irene and Philip break down how banks often push “safe” investments like GICs that can actually slow down your retirement growth, and why independent brokers take a completely different approach. They reveal the one question every retiree needs to ask their financial advisor before making a move with their savings, and how understanding the difference between saving and investing can completely change your financial future. 💬 Topics Covered: What really happens when you go to your bank for retirement advice The truth about “parking” your money Why asking “Why?” can save your retirement plan How to retire smarter and make your money work for you #KeepingItReal #RetirementPlanning #FinancialFreedom Highlights - 00:00 Keeping it Real - 00:45 📩 Stay connected & learn more: 🌐 Visit my website → https://irenegarlitosmeyer.mykajabi.com/ 🔗 Connect with me on LinkedIn → / irenemeyergarlitos Follow on Insta: / irenegarlitosmeyer 🔔 Subscribe to my YouTube channel → / @irenegarlitosmeyer 📘 Facebook: / @irene.garlitos.1 Don’t forget to Like, Subscribe, and Hit the Bell Icon for more content on budgeting, saving, and living debt-free!