Bestselling Author and Retirement Planning Expert, Matt Richman, unpacks “The Retirement Deception,” the dangerous assumption that you can keep doing in retirement what you did during your working years with your 401(k) and investments. Using a simple car analogy, they explain why accumulation and decumulation require different “vehicles,” how sequence of returns risk can wreck your plans, and why locking in your lifestyle with guaranteed income comes first. Once that foundation is in place, market money becomes true “play money” instead of a threat to your standard of living.