Retirement Myths That Quietly Wreck Good Plans

February 12, 2026

Here’s what we discuss in this episode:

πŸ“š Heavy Plans: Why bigger binders don’t mean better planning

πŸ“œ Estate Simplicity: Is a will alone enough? 

πŸ’” Spousal Income: The real financial impact after a spouse passes

πŸ“‰ Stocks-to-Bond: Why age alone shouldn’t drive investment shifts

⏸️ Spending Freeze: Why “just spending less” rarely works in downturns

Some retirement myths sound reasonable, but that’s what makes them dangerous. Rob breaks down some of the most common myths that can quietly derail even the best retirement plans. You’ll hear why a customized, thoughtful approach matters far more than generic, “rule of thumb” advice. Tune in to find out which of these myths you might be unknowingly relying on, and what to consider instead.


Go inside the episode:

0:00 – Intro

0:49 – Myth #1

1:58 – Myth #2

3:43 – Myth #3

5:27 – Myth #4

6:49 – Myth #5


Helpful Resources:


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