“Should I Retire Early to Watch My Grandkids?”

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Daycare costs are out of control, and for many families, grandparents feel like the only safety net left. But should your retirement plan be the thing that fills the gap? Today, Phil walks through a real-life question that blends love, money, timing, and long-term consequences. Daycare may last a few years, but retirement can last 30, so the goal is building a plan that supports both generations.
Here’s some of what we discuss in this episode:
🧸 Grandparent Childcare: the impact of stepping in as family safety net
🔄 Middle Ground: exploring compromises and shared solutions
📉 Long-Term Impact: early retirement affects lifetime income
🧭 Practical Steps: how to run the numbers before deciding
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