It's Retirement: What Could Go Wrong?
2 ott 2026 ·
56 min.
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Descrizione
Retirement should be simple: you worked, you saved, you stop working, you spend. Except the mistakes people make in this one transition can be the kind you don't recover from....
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Retirement should be simple: you worked, you saved, you stop working, you spend. Except the mistakes people make in this one transition can be the kind you don't recover from. This week we walk through eight of them — the ones we've actually watched happen — so you can see them coming.
On this week's Money On Tap, we start with the frame that changes everything: retirement success isn't about how much you've accumulated — it's how intelligently you manage the money after the paycheck stops. We walk the eight mistakes in order: treating retirement like the accumulation years (two retirees, same million dollars, completely different outcomes), taking too much risk or too little, ignoring sequence of returns risk and the brutal math behind it, claiming Social Security without a strategy, assuming taxes will automatically be lower in retirement, using a withdrawal rule instead of an income plan, underestimating healthcare and long-term care, and helping family at the expense of your own retirement — including the $100,000 gift that really costs $321,000. The thread running through all of it: segment your money by when you'll need it, cover foundational expenses with predictable income, and let your long-term money grow without income pressure.
What you'll learn:
Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/its-retirement-what-could-go-wrong-eight-mistakes-to-avoid
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap
Contact Us
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On this week's Money On Tap, we start with the frame that changes everything: retirement success isn't about how much you've accumulated — it's how intelligently you manage the money after the paycheck stops. We walk the eight mistakes in order: treating retirement like the accumulation years (two retirees, same million dollars, completely different outcomes), taking too much risk or too little, ignoring sequence of returns risk and the brutal math behind it, claiming Social Security without a strategy, assuming taxes will automatically be lower in retirement, using a withdrawal rule instead of an income plan, underestimating healthcare and long-term care, and helping family at the expense of your own retirement — including the $100,000 gift that really costs $321,000. The thread running through all of it: segment your money by when you'll need it, cover foundational expenses with predictable income, and let your long-term money grow without income pressure.
What you'll learn:
- The mindset shift from accumulation to distribution — and the light switch people forget to flip
- Retiree A vs. Retiree B: why the same downturn ruins one and barely touches the other
- Foundational expenses first: the floor your income plan gets built on
- Too much risk, too little risk, and the over-diversified portfolio that never moves
- Longevity, inflation, and reinvestment risk — the three that sneak
- The bucket strategy: harvesting market highs instead of selling lows
- Sequence of returns: why a 10% loss plus a withdrawal needs a 24% recovery
- Social Security timing: the $1,700-a-month spread, spousal strategy, and the break-even math
- The retirement tax stack: RMDs, Social Security taxation, IRMAA, and the Roth conversion window
- Go-go, slow-go, and no-go years — why no flat rule fits all three
- Healthcare's real price tag — and pricing long-term care before it prices you
- The family gift math every generous parent should run first
- The US economy grows faster than expected in Q2 — and why it doesn't change the price of milk
- The Wall Street Journal stress-tests the 4% rule: what finally broke it
- Apple's smart home hub debuts October 13 — and what all that convenience knows about you
Read our most recent Blog Post on this topic here: https://www.fmgwebsites.com/d772de05-9833-44e4-9676-f510f85cef74/blog/its-retirement-what-could-go-wrong-eight-mistakes-to-avoid
Schedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsulta
Browse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tap
Contact Us
- Phone: 855-226-8551
- Email: info@yourmoneyontap.com
- Office: 116 South River Road, Bedford, NH 03110
- Web: brayshawfinancial.com
- How do I know if a phone call is a scam?
Run it through the FEARS test: Fear (your account is compromised, a loved one is in trouble), Emotion (romance, panic, guilt), Authority (the IRS, the sheriff, the bank fraud department), Rush (it must happen now, on this call), and Secrecy (don't tell your family, don't call your bank). Feel several at once and you're being worked. The defense that defeats almost everything: hang up and call back on a number you find yourself — the back of your card, the official website — never the number they gave you or the one on caller ID, which is easily spoofed. Nothing true stops being true because you verified it.
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