In this episode of Retirement Success, Todd “MJ” Schnitt joins Steve and Elizabeth Holland to bust some of the most persistent financial myths—ones that could seriously derail your retirement if you fall for them. From outdated rules of thumb to Social Security scare tactics, the Hollands bring facts, clarity, and a bit of humor to set the record straight. Here’s what you’ll take away:

• Why the 4% rule might be dead—and how to plan for income in a world with inflation and market volatility
• The truth about Social Security’s future (spoiler: it’s not going away anytime soon)
• What most people get wrong about long-term care and how annuities could be a smarter alternative
• A behind-the-scenes look at how some “advisors” quietly charge sky-high fees—and why transparency matters
• How a personalized retirement plan can make or break your long-term success
• Why written financial plans aren’t just for the ultra-wealthy—they’re for anyone who wants peace of mind
• A special listener Q&A from a 28-year-old aiming to retire by 40—can it be done?

Markets change. Myths spread. But your retirement strategy should be grounded in facts and tailored to you. 📞 For your complimentary, no-obligation financial review, call the Holland Group Retirement Wealth Advisors at (727) 295-3451 or visit AskTheHollands.com.