What You'll Learn in 1 Hour:

• Where the 4% rule came from and the assumptions baked into it (a 30-year retirement, a stock/bond portfolio, historical U.S. returns) that may not match your life
• Why selling assets to live on is fragile, and how sequence-of-returns risk can wreck a portfolio that looks fine on paper
• Income vs. drawdown: how to build retirement around cash flow you don’t have to sell anything to get
• The real risks in “passive income” deals (leverage, operator quality, rosy projections) and how to spot them before you invest
• How passive real estate fits into a retirement plan, including what it can and can’t do compared with stocks and bonds
• A practical framework for stress-testing your own plan so you know what would break it and what to do about it