Is saving a flat 10% really enough—or even the right question to ask? In this episode, Tony Jackson challenges one‑size‑fits‑all retirement rules and shifts the conversation toward lifestyle, risk, and timing. The discussion explores how saving rates change over a career, why the “retirement red zone” matters, and how market losses close to retirement can have an outsized impact. Tony also unpacks why withdrawal rules and generic formulas often fall short, emphasizing planning around real life instead of rigid percentages.

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