What happens when a market downturn cuts your retirement savings in half just as you start relying on it for income? Patrick Keenan explains why market volatility feels different in retirement and how emotional reactions can derail long-term plans. Using a simple "Payday bar" analogy, he breaks down the impact of major market losses and discusses strategies for organizing retirement assets into different buckets. The conversation also explores risk tolerance, avoiding knee-jerk investment decisions, and creating a retirement income plan designed to help retirees stay focused on what matters most.