In this conversation, Jackie Selby and Esa Jokela discuss the intricacies of retirement planning, emphasizing the importance of understanding 401k accounts, income replacement ratios, and the necessity of legacy planning. They explore the impact of market volatility on financial stability and introduce the bucket strategy for managing retirement funds. The discussion also highlights the significance of social security decisions, annuities, and tax strategies, particularly Roth conversions, to enhance retirement income. The episode concludes with a cautionary tale about the unpredictability of life and the importance of proactive financial planning.  Call Esa Jokela for a free visit!  888-919-9311