The Retirement Danger Zone - Ep #94
Welcome to episode 94 of the One for the Money podcast! You’ve worked, saved, and sacrificed for decades—and now retirement is finally within reach. But what happens if the market crashes just as you’re ready to cash in on all that hard work?
In this critical episode, we explore how to protect your retirement during the most financially vulnerable decade of your life: the five years before and after you retire—a period I call the Retirement Danger Zone.
In This Episode, You’ll Learn:
The real-world lessons from the COVID-19 market crash
Why emotional decisions can destroy retirement plans
The three-bucket strategy for safer, smarter retirement withdrawals
How a rising equity glide path can actually improve long-term outcomes
The power of dynamic withdrawal strategies backed by over 100 years of market history
Why delaying Social Security to age 70 is a game-changer for long-term income
Tips, Tricks & Strategies
In this episode’s bonus segment, I reveal the truth about a financial product often sold to retirees under the guise of “safety”: annuities.
Why fixed index annuities may cost more than they’re worth
How they limit your upside, lock up your funds, and come with steep surrender charges
Why salespeople love them—and why I don’t recommend them for my clients
Key TAKEAWAYS
The Retirement Danger Zone is a 10-year window (5 years before and after retirement) where financial decisions have outsized consequences
Market downturns during this period can have a permanent impact if you’re not prepared
A well-designed plan using investment segmentation, dynamic spending, and delayed guaranteed income can make your retirement more secure and flexible
Annuities are not a substitute for planning—and often benefit the seller far more than the buyer
Want More?
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