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#432: Have you ever worried about running out of money after you retire?\nDo you keep checking your net worth to make sure you have enough? Does this always feel a little \u2026 unsatisfying?\nThis episode discusses why.\nToday's guest, Michael Lynch, is a certified financial planner and author. His most recent book, \u201cIt\u2019s All About The Income,\u201d says that we\u2019re obsessed with the wrong thing. Retirement planning is focused on growing assets. But your assets aren\u2019t going to keep the lights on. Your INCOME, not your assets, is the centerpiece of your retirement.\nHe shares real-life examples of the biggest risks to your income \u2014 the risks that might halt you from enjoying your retirement years. He shares tips on how to make sure your income is smooth and secure, even when you\u2019re not punching the clock anymore.\nEnjoy!\nFor more information, visit the show notes at https://affordanything.com/episode432\n\nEstimated timing of discussion points as of March 2023:\n01:36: The disconnect between living on income vs. assets in retirement\n02:15: \u201cThere\u2019s no such thing as safe\u201d\n04:41: The three-bucket approach to retirement\n08:17: Sources to learn the history of the stock market\n10:33: This historical best hedge against a declining stock market\n16:25: The ideal asset mix for short-, medium- and long-term investments\n17:01: The need to distinguish between money you\u2019ll need vs money you\u2019ll need to generate income\n20:16: When to be a saver vs. an investor\n23:49: How to approach the medium-term bucket\n36:03: Lowering sequence of returns risk with the three-bucket method\n37:02: Inflation risk and the impact on retirement\nLearn more about your ad choices. Visit podcastchoices.com/adchoices