Market volatility isn’t the real threat to retirement—outdated thinking is. In this conversation, Eric Kearney and Joseph Lanza explain why buy-and-hold, the 4% rule, and “set it and forget it” strategies no longer fit today’s financial reality.Visit myincomeplan.com to download your free retirement income guide and start building a strategy designed for today’s market.Market volatility is often blamed for retirement stress, but the bigger problem is relying on strategies built for a very different financial world. In this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, sits down with Joseph Lanza to break down how today’s markets actually work—and how retirees should adapt.The market is constantly evolving, yet many investors are still using rules created decades ago. Buy-and-hold strategies, living only off interest, and rigid withdrawal rules often fail to account for inflation, taxes, healthcare costs, and longer retirements. This discussion explains why volatility is not something to fear, but something to understand and plan around.Eric and Joseph explain why active planning, proper diversification, and realistic expectations matter more than trying to time the market. They also discuss why retirement doesn’t mean the end of investing, and why growth is still essential for long-term income sustainability.If you’re approaching retirement—or already there—and want clarity instead of complexity, this episode will help you rethink how your portfolio should support your income, goals, and lifestyle.Visit myincomeplan.com to download your free retirement income guide and take the first step toward a more confident retirement plan.