Are you leaning on a 401(k) and hoping a market crash doesn't derail your hard-earned savings? In this episode of Retirement Simplified, financial advisor Curtis James exposes the hidden risks of traditional retirement strategies and why relying solely on a company 401(k) could be a critical mistake. Discover the four essential pillars of a comprehensive roadmap—investment diversification, reliable income streams, tax efficiency, and legacy planning. Learn how to transition from a saving mindset to confidently spending your wealth, helping protect your lifestyle no matter when you choose to step away from the paycheck.

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