Coach Pete and Russ Hackman (the Wall Street Sweeper!) break down why market volatility is brutal for retirees when too much money stays on the risk table—and why the old 60/40 stock-bond playbook was built for a different era. Russ warns Wall Street keeps “feeding you risk,” even trying to jam private assets into 401(k)s, while Coach Pete stresses you need an exit strategy and lifetime income options so retirement isn’t hostage to headlines. They hit home with the Antonio Brown cautionary tale—over $100 million earned, now Chapter 11 with under $50K in assets—as proof that bad planning (or bad luck at the wrong time) can wipe out anyone. The takeaway: balance growth with protection, plan for inflation, and don’t ignore the silent killer—taxes.