Think market corrections are the ultimate threat to your hard-earned nest egg? Think again—the biggest danger to your financial future might actually be staring back at you in the mirror. Host Curtis James breaks down why unanticipated "client splurges" and inflating retirement budgets can derail a 30-year plan faster than a Wall Street dip. He unpacks the pitfalls of over-relying on standard 401(k) target-date funds, the hidden tax traps of Roth conversions, and why the traditional 60/40 portfolio is no longer safe. Discover how a custom retirement roadmap can transform your savings into a reliable lifetime income stream.

Visit Bear Market Financial Services to begin building your retirement plan today!