Financial bad habits don’t usually announce themselves – but they can quietly derail your retirement. In this episode of The Retirement Bullpen, Richard Warner breaks down the most common money mistakes that chip away at long‑term security, from spending without a clear picture of monthly costs to skipping portfolio rebalancing and misunderstanding sequence‑of‑returns risk. The conversation explores how lifestyle creep, waiting too long to save, relying on a single income stream, and overlooking tools like HSAs can impact retirement income over time. Richard also explains why diversification and proactive planning matter long before retirement begins. An educational, candid discussion designed to help listeners recognize habits that may be holding them back – and rethink how today’s choices affect tomorrow.

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That “safe” cash sitting in your account might be quietly costing you more than you realize. In this episode of The Retirement Bullpen, Richard Warner breaks down the concept of dead money—funds parked in low‑yield accounts that fail to keep up with inflation. The conversation explores why idle cash can erode purchasing power over time, how retirees can balance liquidity with growth, and where tools like tiered reserves, annuities, and tax‑efficient strategies may fit. Richard also addresses common misconceptions around risk, taxes, and access to funds, emphasizing the importance of aligning money with purpose. An insightful discussion for anyone ahead of or in retirement rethinking where their money is—or isn’t—working.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

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Most financial resolutions fade by February, but a new year brings a fresh chance to get your retirement plan on track. In this episode, Richard Warner shares his essential New Year’s portfolio checklist—covering tax strategies, the impact of new standard deductions, Roth conversion opportunities, and how to rebalance for market uncertainty and inflation. Discover why sequence of return risk matters for retirees and how a bucket strategy can help your money last. Whether you’re just starting out or fine-tuning your plan, this conversation offers practical steps for a more confident 2026. Learn more or schedule a consultation at warnerfinancialsolutions.com.

Book your complimentary appointment with Richard and the team on warnerfinancialsolutions.com or call 402-274-9185. And be sure to subscribe to the newsletter, too!

Follow Warner Financial on Facebook

See omnystudio.com/listener for privacy information.