In this episode of The Retirement Playbook, we break down what really happens when the market gets volatile—and you’re no longer in the “saving” stage, but in the “spending” stage. Retirement isn’t just about how much you’ve saved—it’s about how you use it in unpredictable markets.

Most people enter retirement without a true income strategy. In fact, 49% of retirees have no structured plan, and 23% are terrified of running out of money. Without a paycheck, every decision—especially when to sell—matters more than ever.

We talk about:

Why the distribution phase requires a totally different strategy than the accumulation phase.

How selling in a down market can permanently damage your long-term income.

Why you can’t treat retirement like you’re still working—“buy and hold” isn’t enough anymore.

Why asset allocation alone won’t save you—you need diversification, de-risking, and a withdrawal strategy.

How to avoid letting the market dictate your lifestyle in retirement.

Your portfolio can’t be your plan. When the market drops, you need a system—not emotions—to guide your decisions. Because missing the rebound can be just as damaging as riding the decline.

🎯 Ready to build a plan that works in any market? Visit maxtaxtest.com to request your complimentary retirement and tax strategy session today.

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