What if the money you think is “safe” is quietly shrinking your retirement future? In this episode, Jacksonville’s retirement coach, Adam Wolf, breaks down the concept of “dead money” – cash that feels secure sitting in savings but slowly erodes under inflation and missed opportunities. Adam explains how to determine your true emergency‑fund number, why excess idle cash can create tax inefficiencies, and which mid‑term financial tools may help bridge the gap between bank accounts and full market exposure. He also explores the psychology behind scarcity vs. abundance in retirement planning. If you've ever wondered whether your money is actually working for you, this conversation offers clarity on what to look for.

Do you have questions about growing your wealth with tax efficiency and low risk in retirement? Then go to wolfretirement.com or call (904) 232-8760 for a free portfolio analysis today! Adam and the team will lean on his 25 years of experience to help build you a complimentary Retire Smart Plan

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