The Five Types of Retirement - and How to Pivot Toward the Best One

In this week’s episode of Retire in Texas, Darryl Lyons, CEO and Co-Founder of PAX Financial Group, breaks down five common retirement outcomes - some inspiring, some sobering - and shares how intentional planning and mindset shifts can help you pivot toward a more meaningful future.

Drawing on a decades-old survey of 90-year-old women who shared what they would’ve done differently in life, Darryl explores how those insights can shape our retirement journey. From nightmare scenarios to dream retirements, he provides real-life examples, biblical context, and actionable advice to help you evaluate your own path.

Key highlights of the episode include:

• The “four retirements” model, plus a bonus fifth, and how to tell which one you’re headed for.
• Why relationships matter just as much as money when it comes to long-term well-being.
• How to avoid becoming a financial burden to family or the system.
• What legacy planning really means - and how to start one even with modest resources.
• The surprising health benefits of feeling connected to a larger community.

Whether you’re preparing for retirement or already living it, this episode offers practical and heartfelt wisdom for navigating the road ahead with clarity and purpose.

For more insights and to connect with a PAX Financial Group advisor, visit www.PAXFinancialGroup.com.

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