“What if the biggest risks to your retirement aren’t market swings—but the assumptions you’ve never questioned?” This episode pulls back the curtain on common retirement beliefs like Social Security reliability, the 4% rule, and healthcare costs that quietly erode financial security. Through hard-hitting examples and real-world planning gaps, the conversation explores why many retirement plans fall short. It leaves listeners with one unsettling question: is your strategy built for the world you’re actually retiring into?







Tim Riney talks about retirement planning and financial strategies in his show. To find out more about Tim Riney and Family Wealth Strategies, go to myfws.com.