Top 7 DROP Mistakes I See (And How to Avoid Them)

If planning retirement in Florida feels like merging onto I-95 in August—construction cones, sudden slowdowns, and at least one convertible doing 90—it’s because it kind of is. The FRS Deferred Retirement Option Program (DROP) can be a beautiful fast lane… or a toll road you didn’t mean to take. Grab a Publix sub, keep the sunscreen handy, and let’s talk about the seven mistakes that turn a sweet DROP into a soggy sandwich—and how to dodge each one.