A 50% loss does not need a 50% gain to get back to even. It needs 100%. Dave walks through why that arithmetic gets crueler the closer you are to retirement, and what the households who sleep well have usually done about it.

In this episode

• Why the same market drop hurts a 40-year-old and a 66-year-old very differently — time to recover is the real variable.
• The difference between saving for retirement and paying for one: accumulation thinking versus income thinking.
• How much volatility a household can reasonably tolerate once withdrawals start.
• Sorting money by job: some for growth, some for income, some kept liquid for flexibility.

Hear the show live

Safe Money & Income Radio airs every Sunday at noon on WOOD 1300 AM and 106.9 FM, hosted by Dave Stanley, retirement, insurance, and income specialist. Questions about something you heard? Call the office at (616) 719-1979 or start the conversation online — a 15-minute call, no cost.

The Safe Money & Income Radio program is a paid production of Integrity Financial Service, LLC, produced by Big Toe Audio. This episode summary was prepared with AI assistance from the episode recording and reviewed by Integrity Financial Service, LLC. Content is general education, not individualized advice. Insurance products and services are offered through Integrity Financial Service, LLC; any guarantee is only as strong as the company standing behind it. See our disclosures.