Ray didn’t call in a panic. He wasn’t on the brink of bankruptcy. He wasn’t even looking for a big change. He was just... tired. Tired of the ads, the jargon, the endless promises about “retirement made simple” — and the sneaking suspicion that nobody was really saying anything of substance. Ray spent decades working in New York. He maxed out his 401(k) contributions. Didn’t chase fads. Didn’t panic when the market dipped. He did everything the system told him to do. And now, in his seventies, with his health starting to fade and a move to New Jersey on the horizon, he’s left holding a handful of retirement accounts — and very few answers. When I asked him how confident he felt in his retirement plan, he didn’t hesitate: “Thirty-five to forty, out of a hundred.” Not because he hadn’t saved. Not because he didn’t try. But because after a lifetime of doing the “right” things, he still didn’t know what it was all for. [Privacy Notice: To protect the privacy of the individuals we speak with, names and certain identifying details have been changed, and while the stories are based on real conversations, personal information has been altered to maintain confidentiality.]

Ver todos los episodios