Why “Save and Retire” Doesn’t Work Retirement isn’t about piling up money and hoping it lasts. Traditional advice says: “Save enough and withdraw 4% a year.” But here’s the truth: ❌ One unexpected expense ruins the plan. ❌ Helping your kid through college ruins the plan. ❌ Taking a vacation ruins the plan. Real retirement means your money pays you—month after month. That’s called cash flow. And it’s the only real way to retire. Are you planning for cash flow or just hoping the pile holds up? | L