Most people think retirement problems begin with:
❌ Inflation
❌ Market crashes
❌ Social Security
❌ The economy
But for many Americans over 60...
the damage starts somewhere else.
It starts with habits that quietly operate in the background:
• paying fees you never notice
• overspending during retirement
• supporting adult children too much
• ignoring healthcare costs
• having no withdrawal strategy
And every year...
the leak gets larger.