Your 401(k) Was Never Meant to Be Your Paycheck

From Ready, Set, Retire! by Steve Anzuoni

June 9, 2026 · 18 min

About this episode

This episode discusses the limitations of relying solely on 401(k)s for retirement income and emphasizes the importance of income planning.

What if your retirement plan isn’t built to replace your paycheck? This episode breaks down why 401(k)s alone may fall short and how retirement really comes down to creating reliable income. Steve Anzuoni explains the gap between expectations and reality, the risks of relying on hypothetical projections, and why income planning—not just saving—is critical. From Social Security timing to building a personal “pension,” the conversation highlights how to approach retirement with clearer expectations and a focus on sustainable monthly cash flow. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book  -  Tee Up Your Retirement!  Social Media :  Facebook  I   LinkedIn  I  Instagram  I  YouTube  See omnystudio.com/listener for privacy information.

People in this episode

Host: Steve Anzuoni

Topics covered

retirement planning
401(k)
income planning
Social Security
sustainable cash flow

Keywords

401(k)
retirement income
income planning
Social Security
cash flow

Mentioned in this episode

Organizations: Social Security

Products: Tee Up Your Retirement