Mike Milligan breaks down a Vanguard study showing retirees who freeze their portfolios during downturns lose about 15% in growth over ten years. He walks through three moves: check usdebtclock.org for debt projections, plan for tax rates potentially doubling, and audit how much of your retirement sits in tax-deferred accounts.
A 2024 Vanguard study found that retirees who delayed making strategic changes during market downturns lost an average of 15% of potential portfolio growth over the next 10 years. Waiting is the most expensive option. So here's what I want you to do. 1, make usdebtclock.org a regular stop. Bookmark it. Check it monthly. Watch the time machine projections. Let the numbers inform your thinking. Number 2, ask yourself this question: if tax rates double in the next 10 to 15 years, what happens to my retirement income? If you can't answer that question confidently, you need to have a conversation with someone who can help you plan. 3, evaluate where your money is sitting. Is it mostly in tax-deferred accounts? That means the government is your partner on dollar.
How to evaluate AI growth stocks (Nvidia, Oracle, CoreWeave) beyond market hype
How to evaluate AI growth stocks (Nvidia, Oracle, CoreWeave) beyond market hype
