Old money rules can quietly create new retirement problems. In this episode, Annetta Carter explains why strategies that once felt safe—like relying on CDs, excess cash, or outdated withdrawal rules—may no longer fit today’s retirement landscape. The conversation explores evolving interest‑rate environments, overlooked alternatives to “lazy money,” misconceptions around target‑date funds, and why guaranteed income plays a big role as Social Security uncertainty grows. Annetta also discusses planning ahead for potential benefit reductions and how thoughtful income planning can help retirees adapt as financial rules continue to change.

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