Terrilyn Brownfield gets brutally honest about the hardest part of retirement: your paycheck stops, the market swings, and suddenly spending feels like you’re breaking the rules. She unpacks why “saving isn’t just a habit, it’s an identity,” and how the “sequence of returns” can crush a retirement if you’re pulling money out when the market is down. Don't miss Terrilyn laying out her “bumper car plan” guardrails—what’s safe money vs. market money—so you can spend with confidence instead of fear!