Think your 401(k) will fund your retirement? Think again. In this episode of the Passive Income Machine, Ryan D. Lee exposes the Cobra Effect—a dangerous mental trap that causes most traditional retirement plans to backfire.

You'll discover why first-order thinking leads to financial failure… and how second and third-order consequences are secretly draining your wealth, locking away your money, and leaving you at the mercy of Wall Street and future taxes.

Ryan reveals why blindly following the herd (401(k), IRAs, target date funds) feels safe now but ends in regret—and shows you a smarter path built on financial intelligence, real assets, and complete control.

- Learn why retirement accounts trap your money

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