Are market crashes really the biggest threat to retirement?

In this episode of Retire and Thrive, Kamie and Dan break down the retirement risks that can quietly do even more damage than a market downturn, including inflation, taxes, and longevity.

If you are getting close to retirement or already there, this episode will help you think beyond the headlines and focus on what can actually derail a long-term financial plan.

In this episode:

• Why market downturns become more dangerous when people panic

• How inflation can steadily erode retirement income

• Why living longer can create unexpected financial pressure

• How taxes affect retirement withdrawals and future flexibility

• Why spending habits and regular plan reviews matter

Chapters:

00:00 Welcome to Retire and Thrive

01:24 Are market crashes really the biggest threat to retirement?

02:04 Why emotional decisions during downturns can hurt

04:23 The hidden risk of longevity

06:24 How taxes affect retirement income

07:27 The “borrowing from the IRS” analogy

09:14 Should you only use the Roth option?

10:09 Practical advice for avoiding long-term retirement risks

11:16 Why inflation matters more than many people realize

13:09 Closing thoughts

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