The market can be up 160% over a decade and still feel unsettling when short-term losses show up. In this episode, Mike Canet & Ryan Herbert dig into why market volatility feels so different depending on where you are in life. They discuss long-term growth versus retirement realities, how risk tolerance changes when income matters now, and why percentages don’t always tell the full story. From sequence-of-returns risk to the role of secure income sources, this conversation explores how perspective, planning, and timing shape financial decisions. It’s a practical discussion about understanding risk, translating market swings into real dollars, and why having a plan can change how volatility impacts your retirement outlook.
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