As you approach retirement, it’s not just about how much you’ve saved — it’s about how accessible your money is. In this episode, financial advisor, Neal Brincefield explains why relying only on retirement savings vehicles like 401(k)s or Roth IRAs may not give you the flexibility you need for everyday expenses, especially as the market fluctuates. He shares simple ways to build more liquidity, create steadier cash flow, and feels more prepared for the transition into retirement.