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They came in sounding like people with a complaint about their provider. What they had was a complaint about the shape of their plan. The portfolio was in pieces, and no one had ever assembled the sentence that says which dollars pay for which parts of their life in which year.

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.