Could you be sacrificing your best years for a bigger paycheck that arrives too late? Alan Cohen dives into the reality of the 2026 market, where surging S&P valuations meet rising midterm volatility. We explore why guaranteed income is the secret to spending 44% more in retirement and how to "refinance" old annuities for higher payouts in today’s high-rate environment. Plus, we expose a $5,000 tax scam and discuss the heartbreaking lesson of a retiree who waited until 70 to claim Social Security, only to realize that money can’t buy back youth.

To learn more about Alan and the team at Spectrum Wealth Partners, go to www.spectrumwp.com.

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