Too many retirees “play it safe” by piling into cash or fixed annuities—only to watch inflation quietly erode their buying power. In this first installment of “The Biggest Retirement Mistakes”, Leibel Sternbach, CFP®, EA, and founder of Yields 4 U, explains: - Why cash loses value every year; even when your balance never drops - How inflation + market volatility create a “double whammy” for retirees - The problem with treating annuities as a one-stop solution - What a modern, low-risk income strategy should deliver - How Leibel’s YFYA ETF was designed to fill the “safety-with-growth” gap