Gemini saidIs Your Retirement Math Missing a Zero?
Many retirees feel haunted by the "1.5 million dollar rule," but the truth is often much more manageable when you factor in the "bedrock" of Social Security. In this episode, Curtis James of Bear Market Financial Services breaks down why your 401k balance isn't the only number that matters and how to find your "Serta Sleep Number" for cash reserves. We tackle the "naughty A-word"—annuities—explaining how they can act as a financial Swiss Army knife to replace your paycheck. Whether you’re facing a sudden layoff or market anxiety, learn how to build a diversified roadmap for 2026.
Visit Bear Market Financial Services to begin building your retirement plan today!

The 10-Day Trap: Why Missing the Market’s Best Moments Destroys Wealth
44:50

The Magic Number Myth: Why Your 401(k) Isn’t a Plan
44:39

The 40% Success Rate: Why Most Retirement Budgets Fail
45:01