This week, Retirement Planning Specialist David Pipes discusses the retirement savings mistake nearly 90 percent of retirees make. Plus, David shares the simple habit behind a million-dollar 401(k).

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Listen LIVE every Saturday at 8 AM CST:

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Connect with Charles “David” Pipes:

Phone --- 850-565-1705

Email --- Charles.Pipes@Amerilifeagent.com

Website --- https://retirementplanningpipeline.com/

LinkedIn --- https://www.linkedin.com/in/charles-pipes

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Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years.

His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years.

• (00:00:00) - Intro and Show Overview
• (00:01:53) - The Simple Habit Behind a $1M 401k
• (00:04:04) - Separating Income and Growth Buckets
• (00:07:18) - Building Wealth at 30, 40, 50: Aggressiveness and Diversification
• (00:11:59) - Wrap-Up: Consistency and Contact Info
• (00:13:05) - Break: Annuity Guide Offer
• (00:14:24) - Welcome Back and Annuity Guide Details
• (00:15:42) - When Today's Economy Squeezes Tomorrow's Retirement
• (00:17:29) - Controlling Expenditures and Hidden Spending Habits
• (00:21:42) - Savings Mindset, Discipline, and Generational Differences
• (00:25:05) - Wrap-Up and Call to Action
• (00:26:05) - Retirement Radio Network: The Unexpected Expense Story
• (00:28:33) - Quote of the Week: Nick Saban
• (00:30:07) - Right or Wrong Game: Retirement Myths Tested
• (00:35:51) - Break and Annuity Guide Reminder
• (00:38:06) - The Retirement Savings Mistake 90% of Retirees Make
• (00:39:31) - Shifting the Mindset from Saving to Spending
• (00:44:22) - Helping Clients Start Spending: Small Steps
• (00:47:33) - Closing Thoughts and Show Wrap-Up
• (00:49:23) - Disclaimers and Legal Information
• (00:51:17) - Back to School Spending in an Inflationary Economy
• (00:53:45) - Teaching Teens Budgeting and Credit Basics
• (00:56:03) - Building Credit Responsibly for Teens
• (00:57:32) - Emergency Funds and Finding Hidden Savings