Your retirement savings shouldn't feel like a high-stakes gamble, yet many investors watch their hard-earned wealth disappear during market swings they weren't prepared to handle. Join Jay Kirkwood as he breaks down the cautionary tale of a 50% portfolio loss and explains why "going to cash" is rarely the solution. This episode explores the critical shift from accumulating wealth to distributing income, the "window of opportunity" for Roth conversions, and how to build a plan that prioritizes your monthly needs over market volatility.

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