People waste a ton of time wondering what the worst-case scenario might be for their retirement. Why do we say waste? It’s not because it isn’t prudent to stress-test your retirement plans. It’s because they’re worried about the wrong things.

Instead of a bunch of abstract worries about how long your money will last or if the stock market taking a dip will hurt your retirement, we propose that there’s a big, overlooked item that you actually need to prepare for. What is it? Listen and find out.