The 14 Retirement Risks - And How to Beat Them (Pt 1) - E140
About this episode
Jesse Cramer discusses 14 retirement risks and strategies to avoid them, focusing on the first seven in this episode.
We all want retirement success. But how do we achieve it? What if the best method is to identify possible *failures* first, and then simply work backward to avoid those failures? Looking for a financial planner? → PlanWithJesse.com In this episode, Jesse applies Charlie Munger's principle of inversion to retirement planning, arguing that instead of only defining success, investors should first identify how retirement plans fail and then design strategies to avoid those outcomes. He introduces a framework of 14 retirement risks and focuses on the first seven: longevity risk, inflation risk, household risk, market risk, sequence of returns risk, withdrawal risk, and health risk. Longevity risk is framed as the danger of outliving assets. Inflation risk is described as the gradual erosion of purchasing power, with equities and TIPS offering partial protection while cash and bonds provide stability at the cost of real returns. Household risk centers on coordination between partners, emphasizing survivor planning, shared understanding of finances, and alignment on spending and documentation. Market risk is presented as unavoidable and inseparable from long-term investing, managed…
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