It's Retirement: What Could Go Wrong?
Oct 2, 2026 ·
56m
Download and listen anywhere
Download your favorite episodes and enjoy them, wherever you are! Sign up or log in now to access offline listening.
Description
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....
show more
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
show less
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
- What are the biggest retirement mistakes to avoid?
The ones we see most: treating retirement like the accumulation years instead of shifting to a distribution mindset; ignoring sequence of returns risk, where early losses plus withdrawals compound against you; claiming Social Security without a strategy, a largely irreversible decision; assuming taxes will automatically be lower in retirement while RMDs, Social Security taxation, and IRMAA quietly stack; following a flat withdrawal rule instead of building an income plan around foundational expenses; leaving healthcare and long-term care unpriced; and making family gifts whose 20-year opportunity cost the plan can't afford. Every one is avoidable — with planning done before the problem arrives, not after.
Information
Copyright 2026 - Spreaker Inc. an iHeartMedia Company
Comments