Most Americans believe retirement is just a math problem: invest consistently, ride the market, and everything will work out.

The data says otherwise.

In this episode, Pete digs into new retirement research that reveals a hard truth—retirement success isn’t being derailed by bad investing, it’s being quietly sabotaged by behavior, debt, and timing .

You’ll learn why the vast majority of workers never save enough (even when they think they are), how credit card debt and 401(k) loans silently drain long-term wealth, and why two-thirds of retirees cash out their retirement plans far sooner than expected. Pete also explains why retirement spending is far more unpredictable than most plans assume—and how fear, not extravagance, causes many people to make their most damaging financial decisions right at the finish line.

This isn’t a lecture about stock picking or beating the market. It’s a reality check about how real people actually behave with money—and what you can do now to avoid the most common retirement traps.

If you’ve ever thought, “I’m doing everything right… I think,” this episode is for you.