The headlines are loud. AI stocks are wobbling. The market is jumpy. If you are retired or getting close, it is easy to wonder if this is the moment everything falls apart.
In this episode of Kitchen Table Finance, Dave Shotwell and Nick Nauta talk through the recent AI stock jitters and what market volatility really means for long term investors, especially retirees. They explain why a three or four percent pullback is not the end of the world, why investor psychology can do more damage than the market itself, and how a good financial plan is built with downturns already in mind.
They also revisit some core planning habits that help people sleep at night in rough markets, like keeping enough cash set aside, understanding your true risk level, and having a plan for what you will do if fear pushes you toward drastic moves.
Check out the YouTube Video for this episode HERE.
In this episode, you will hear about:


Why the recent concern about an “AI bubble” feels familiar if you remember the internet boom


How to think about short term volatility versus long term economic growth


Why pessimists probably should not be stock investors in the first place


The role of cash reserves for retirees and people close to retirement


How action bias and fear can lead to harmful timing decisions


Why your own diversified portfolio rarely matches the worst headlines


How to “de catastrophize” the news and think in realistic ranges of outcomes


Practical ideas for people who feel so anxious that they are losing sleep


How a financial planner can act as a calm sounding board when markets are rough


Whether you are already retired or just starting to think about what your future income will look like, this conversation can help you separate noise from what actually matters.
Ready to talk through your own plan?Visit SRBAdvisors.com to schedule a time with the team and see if they are a good fit to help you reach your financial goals.

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