In this episode of Retirement Optimism, David Hicks explores one of Morgan Housel’s “little rules about big things”: focus on risks that cause permanent damage, not temporary harm. Drawing on client stories and the Oakmont Retirement Design process, David shows how most threats to retirement success don’t come from headlines or market swings—they come from our own reactions. From panic selling to overconcentration in a single stock, he breaks down the behaviors that can derail a retirement plan and shares how thoughtful design helps protect against lasting mistakes. Listen in for a reminder that optimism, discipline, and a clear plan are the best tools for loving your retirement.

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