Episode 7: The Biggest Financial Risk in Early Retirement

You can do everything right — save enough, invest consistently, retire on schedule — and still run out of money. The reason isn't bad investing. It's bad timing. And it's one of the least-talked-about risks in retirement planning.

In this episode, I explain sequence of returns risk: what it is, why the early years of retirement are so critical, and what you can do before you retire to protect against it.

In this episode:

▸ What sequence of returns risk actually means

▸ Why a market downturn in year one of retirement is far more dangerous than one in year fifteen

▸ The math that shows why this matters so much

▸ Strategies to reduce your exposure before and during early retirement

Episode 7 of the Retirement Transition Series — 12 short episodes for people who are 5–10 years from retirement.

▶ Next: Episode 8 — How Your Portfolio Should Change Before Retirement

▶ Watch Episode 6 → Should You Do Roth Conversions Before Retirement?

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