Is the 4% retirement rule outdated—or just misunderstood? In this episode, Joe Valenzuela and Julia Valenzuela unpack the math behind retirement withdrawals, challenge financial “expert” opinions, and explain why volatility and long-term care planning matter more than fixed percentages. From Ozzy Osbourne’s health battle to the hidden costs of assisted living, they share real stories and smart strategies to help you protect your income and legacy. Learn how algorithmic management and indexed annuities can offer stability when life throws curveballs.

For more information, please visit ValenzuelaFinancial.com!