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Why Smart Retirees Still Run Out of Money (It's Not What You Think)

Why Smart Retirees Still Run Out of Money (It's Not What You Think)

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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.

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