Emotions—not the market—often cause the biggest mistakes in retirement planning. In this episode, Annetta Carter explains how fear-driven decisions, triggered by headlines and volatility, can quietly derail long-term financial plans. The conversation explores the role of disciplined investment strategies, the importance of reliable income streams, and how different approaches—like pensions, Social Security, and personal income plans—fit together. Annetta also highlights why every retiree’s situation is unique and how controlling volatility and avoiding emotional reactions can shape better financial outcomes over time.

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