The most dangerous retirement risk may not be the market—it could be the decisions we make when emotions take over. In this episode, Steve Standley explores the impact of behavioral risk and why even well-intentioned choices can derail long-term retirement plans. He explains the shift from focusing on return on investment to reliability of income, and why retirees need a strategy built around sustainable cash flow rather than account balances alone. The conversation also highlights common financial traps, family pressures, and how having a dependable income plan can influence retirement decision-making.

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