In this episode of The Retirement Playbook, we break down what really happens when the paychecks stop. Retirement isn’t just about building your savings—it’s about knowing how to use them. We discuss the critical shift from accumulation (saving money) to distribution (spending it wisely), and why this phase can make or break your retirement success.

With only 13% of employers now offering pensions, most retirees are on their own to turn 401(k)s, 403(b)s, and IRAs into sustainable income. Social Security should be the foundation—not the entire house. So how do you avoid a pay cut in retirement and make sure your lifestyle doesn’t take a hit?

We talk about:

• Why the early years of retirement (your "Go-Go" years) often come with higher spending.
• How to build a strategy so you don’t overspend—or worse, underspend out of fear.
• Why the 4% Rule is not a plan.
• The importance of de-risking your portfolio 5–7 years before retirement.
• Why selling investments in a downturn can sabotage your future income.

Retirement is not the finish line—it’s the start of a new financial phase. Make sure your plan supports the life you want to live.

🎯 Ready to take the next step? Visit maxtaxtest.com to request your complimentary retirement and tax strategy plan today.

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