You can be on track for retirement and still feel worried. And here's why. I bet that you are right now on track for retirement from, let's call it, 65 to 95. But you're wondering, hey, what if something goes wrong? Markets go down. I want to spend more than I think. Health care costs go up. My kids don't get a scholarship to go play football in college,

whatever. Well, now all of a sudden, yeah, I think my retirement's okay, but it's this 50 to 65

that's kind of given me the anxiety because what if it turns out I retire one year too early?

Or what if it turns out, once again, markets go down, health care goes up, I live longer than I think. So the point here is most people are worrying about this gap from 50 to 65

because that's when all of a sudden they go, well, after 65, if I really needed to, I mean,

I could turn on Social Security. I'm probably going to spend less when I'm in my 70s and 80s on travel versus my early years of a retirement. And I'll say, that's correct. And they'll say, well, then help me out. Like, what do I do in this situation? And what we do is we do a lot of what if scenarios that I'm going to explain today. But the biggest thing, and this is the number one

takeaway, which you're going to have right now, is don't put everything on your portfolio in the first

year. And so here's what I mean. I will see people who reach out and they go, look, I have two

million bucks. I feel that I want to spend about 60, 70,000

a year in retirement. I've done some basic math. I think I can do that. But my concern is right

now I have extra health care costs because I don't have Medicare yet. I want to travel more

when I have my health. My kids are not in college yet. So we need to cash flow that. We really do

need a new car and we need to remodel the bathroom. So the risk here is markets go down and they get

unlucky. In the one year when they retire, now all of a sudden, they need, let's call it, $200,000.

But their $2 million is not at $2 million anymore. Now it's at $1.8. Well, they still need it $200,000, but their $2 million is not at $2 million anymore.

Now it's at $1.8. Well, they still need that $200,000. So now all of a sudden they're at $1.6,

and they need income for the next 40, 50 years. So the point here is you can be legitimately on

track for retirement and still have anxiety about, hey, can I really retire early?

So that's number one is validating the way you feel right now because some people don't know

why they feel this way. They're like, I feel like I have enough. I mean, I've got a million

and a half. I've got two million. I've got three, five, ten million bucks. Why is that I still

have this feeling that something is missing? And the way you protect

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