That seven‑figure 401(k) balance might not be what you think it is. As headlines celebrate record numbers of “401(k) millionaires,” this episode pulls back the curtain on what those balances really mean after taxes and why Uncle Sam may be your biggest retirement partner. Kelton Burgess breaks down how taxes, required withdrawals, Medicare premiums, and Social Security all intersect in retirement, and why looking only at your account balance can be misleading. The conversation also challenges the long‑standing 4% rule, explores why it may feel outdated in today’s economy, and explains how thoughtful withdrawal and tax planning can shape what retirement actually looks like.

Click here to schedule an appointment with Kelton and his team or call 724-766-8853.