What happens when the market drops right as you need your money most? 

In this episode, we break down one of the biggest retirement planning mistakes people make: being overexposed to the stock market without a true cash safety net. Using real-world market scenarios like the 2020 crash, we discuss sequence of returns risk, retirement income planning, and why liquidity matters more than most investors realize. 

We also explore how having accessible cash reserves can help retirees avoid selling investments during market downturns, reduce stress during volatile periods, and create more flexibility in a long-term financial strategy. 

If you’re approaching retirement, already retired, or simply trying to build a smarter financial plan, this conversation highlights the importance of balancing growth, protection, and income in uncertain markets.