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Five years from retirement, most people operate on hope rather than tested reality—vague savings targets without honest expense accounting, allocations unchanged since their forties, and no stress-testing for sequence risk or healthcare gaps. This window offers the last real chance to discover misalignments between plan and need: whether cash buffers exist to avoid forced selling, whether income sources actually cover the budget, whether tax optimization can save six figures over thirty years. Waiting until sixty-four to find shortfalls leaves scrambling; addressing them at sixty leaves options. #stresstesting #expensereality #taxoptimization #healthcareplanning #transitionreadiness Disclosure: Omaha After Dark is an independent educational channel with no connection to Warren Buffett, Berkshire Hathaway, or affiliated entities. All voiceovers are generated using artificial intelligence technology for educational and creative purposes only. The audio is completely synthetic—not genuine recordings of any person. We do not seek to mislead, impersonate, or falsely represent anyone. This channel adheres to all YouTube guidelines and monetization policies, with full transparency about our use of AI-generated content.