One of the biggest surprises that I see in retirement planning is how many people who should feel

confident, they don't. They've saved well. They've done the right things. And yet there's still

this quiet fear in the background. What if I run out of money? And that fear usually isn't about

the markets or returns. It's about uncertainty. And in this series, this is part two of our Anchors of

Retirement Confidence series, we're going to be walking you through what I call the

anchors of retirement confidence. These are specific strategies that replace anxiety with clarity

and control. In today's episode, we're focusing on anchor group number two, the market shock anchors.

And by the end, you should have a much clear understanding of how this part of your

retirement plan actually works.

I am joined by my good friend and fellow certified financial planner practitioner,

Marshall Johnson, here with me.

Hey, hey, hey.

And in our last episode, we focused on the spending anchors, answering the question,

can I live the life I want without running out of money?

If you didn't listen to that one, go back and listen to that one first because all of these

things tie together.

You have to be checking one box, I believe, systematically at a time.

That's the starting point.

Now we're moving on to number two, answering the question, what happens if the market drops

at the wrong time?

What if the market crashes? What if we have a

recession? These are concerns that come up time and time again. Unfortunately, right now,

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