Welcome to The Marlene Files, where Walter, a retired Treasury analyst, walks you through the retirement mistakes that drain real savings. No hype. No finance-bro jargon. Just clear stories about decisions people regret years later.

Each episode follows retirees like Marlene or Frank as they navigate Social Security, Medicare, RMDs, Roth conversions, pension choices, and the order they pull money from their accounts. One missed detail can cost thousands.

Walter explains the rules the way someone would over coffee: direct, practical, and grounded in real cases. If you're between 55 and 75 and learn better from real mistakes than generic lectures, you're in the right place.

Educational purposes only. Not financial, tax, or legal advice. Consult a qualified professional before making decisions. Not a registered investment advisor.