What if the biggest threat to your retirement plan isn't the market itself, but how you react to it? In this episode of Life & Money Unlocked, the team at Catalyst Wealth Advisory explores the powerful role emotions play in retirement decision-making. Using Pavlov's famous behavioral experiment as a backdrop, they discuss how fear, market volatility, and even FOMO can trigger costly financial decisions. The conversation covers sequence of returns risk, the importance of having a purpose for every dollar, long-term care planning, and why the years leading up to retirement can be especially critical. Retirement planning isn't just about numbers. It's about building a strategy that helps you stay focused when emotions try to take over

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