On this first episode of Capital Clarity Radio, Andrew Johnsen and Jackie Selby keep it real about why “before COVID” and “after COVID” feel like two different financial worlds — and what that means for your retirement plan. Andrew breaks down market timing myths, why default 401(k) settings can quietly hurt you, and how strategies like Roth conversions, smarter cash-on-the-sidelines moves, and updated annuities can create real flexibility without gambling your future. Then they take it into 2026: inflated valuations, rate cuts, tariffs, and the AI boom — plus how to get practical exposure without chasing hype, while still protecting the downside.