Most people think they'll run out of money in retirement because they didn't save enough. The research says otherwise. In this video, I break down the 5 hidden factors that actually determine whether your retirement succeeds or fails — and most of them never show up in an online calculator.

We cover sequence of returns risk (and why retiring in the wrong year can wreck even a well-funded portfolio), spending shocks, tax drag, inflation's slow burn on your purchasing power, and the one risk nobody talks about: the psychology of spending too little.

I also walk through my Sequence of Returns calculator live, showing real data from four different portfolio types — the results might surprise you.

Since 1928, the market has returned over 10% annually — but the average investor only earns about 5%. In this video, I break down the data on market crashes, intra-year drawdowns, and why we're almost guaranteed to see another crash — and why that shouldn't change your retirement plan. I'll show you the real numbers behind all-time highs, the Peter Lynch paradox, and the emotional mistakes that cost retirees the most money.

✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessmentMost people glance at their Social Security statement, assume the number is fixed, and move on. It's not.

In this episode, Kevin breaks down exactly how your Social Security benefit is calculated — including the earnings indexing formula, the bend point system, and why having fewer than 35 working years can quietly cost you thousands. More importantly, he walks through five specific strategies you can use to increase your benefit before you claim.

What's covered:

• Why zeros in your earnings record hurt more than you think
• How married couples can coordinate benefits to maximize both spousal and survivor income
• The one government error that could be silently reducing your benefit right now
• Why delaying to 70 can mean $1,400+ more per month — for life

Social Security is the only source of retirement income that's guaranteed, inflation-protected, and lasts as long as you live. Getting this decision right matters.