Your money can quietly lose ground even when nothing seems wrong. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith unpack the idea of “dead money” — cash parked in low‑yield accounts that feels safe but steadily erodes to inflation and missed opportunity. The conversation explores why liquidity brings comfort, how much is actually useful, and where idle money can hide inside both bank accounts and retirement portfolios. They also discuss the emotional side of risk, tax considerations when repositioning assets, and how income-focused strategies shape confidence in retirement. It’s a practical look at balancing security, flexibility, and long‑term sustainability.

Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011.

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