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I isolated the 401(k) and ran the analysis on it alone — leaving the self-directed IRAs, the syndication, and the cash-value insurance explicitly out of the model. That was a deliberate choice, not an oversight. If the 401(k) on its own can carry retirement, everything else becomes upside.

Robert and Carol are a retired couple in their mid-sixties with a foundation already in place: two annuities paying steady, predictable income that were working exactly as intended. Those contracts were never part of the conversation. What brought them to the table was everything else.

In a recent March to a Million podcast episode we delved into the contentious realm of annuities, embarking on a mission to demystify...

Maybe the time is right to put money in a money market account.