Vanguard Warned You...The Retirement Danger Zone (First 10 years)

Описание: The first 10 years of retirement are the “Danger Zone”—not because you did anything wrong, but because a few early hits (market drops, spending shocks, tax/Medicare cliffs) can cause permanent damage while you’re withdrawing.

In this episode, I break down the 5 biggest threats that ambush retirees—and I share a simple, practical 3-Bucket “Flight Plan” to help you fly straight through it.

In this video you’ll learn:
The #1 non-financial threat that quietly derails retirements: loss of identity
The monster behind the door: sequence-of-returns risk
How surprise spending blows up even “good” plans
Why rigid withdrawals can turn a downturn into lasting damage
The cliffs: taxes, Medicare (IRMAA), and Social Security timing

My Flight Plan: The 3-Bucket Strategy
Bucket 1: Cash Cushion
Bucket 2: Stability Bucket
Bucket 3: Growth Engine

Portfolio note (important):
I don’t show dollar balances on this channel—percentages and structure are what matter. I treat VMFXX (money market cash reserve) as part of my fixed-income sleeve, so when you add it to my bond funds, the overall mix lands around ~60% equity / ~40% fixed income.

If you’re new here—welcome aboard. And to my pilot buddies reaching out from literally all over the world… thank you.

Disclaimer:
This content is educational and based on my experience. I’m not a financial advisor. Please consult a qualified professional before making financial or medical decisions.

Sources / Further Reading:
Morningstar (sequence-of-returns risk): https://www.morningstar.com/retiremen...
Morningstar (why the first years matter): https://www.morningstar.com/retiremen...
Kitces (sequence-of-returns risk + first decade): https://www.kitces.com/blog/understan...
Social Security (lower an IRMAA request): https://www.ssa.gov/medicare/lower-irmaa

👍 If this helped, hit Like, subscribe, and drop a comment: What’s your biggest retirement worry—market risk, healthcare, taxes, or spending?

#retirement #medicare #socialsecurity