Is Your Retirement "Against the Wind"? How to Protect Your Wealth from Headwinds

Here's another great song, Bob Seger, Against the Wind. You know, every time I hear this song, I think about Forrest Gump, right? Remember? Oh, yes, of course. Remember Forrest Gump? Yeah, of course. This is the song that's being played where he's doing that long run and he's talking and Tom Hanks is talking over the long time. Yes. But this song captures the reality that retirement isn't all sunshine. Health issues, caregiving, and inflation can hit hard. That lyric, wish I didn't know now what I didn't know then, is real. And, you know, That's why we have to build buffers into retirement. We talk about financial buffers or guardrails, things that like maybe some upside protection through diversification, but downside where it doesn't go down, where you actually don't lose money. But retirement plans have these headwinds that we just have to control to make sure that we're going to be okay.