Most retirement plans assume the dollar is stable because it has been stable for most of our lifetimes. But stability is a period, not a guarantee. And when the measuring stick changes, the measurement changes. This episode is not about collapse or fear. It is about whether your retirement plan still works if purchasing power behaves differently over the next 10, 20, or 30 years. Many families feel the tension right now. Markets can look calm while real life still feels expensive, especially in retiree-heavy categories like insurance, healthcare, and travel.

We break down what the dollar is and what it is not. The U.S. dollar remains the world’s primary reserve currency, and change typically happens at the margins, not through sudden abandonment. The dollar does not need to fail for planning assumptions to change. Then we talk about the shift most plans ignore. Since 1971, we have lived in a policy-driven purchasing power environment. That matters because retirees feel purchasing power risk first. Retirement turns income into withdrawals, withdrawals are fixed, and expenses are variable. You do not retire into an index. You retire into real life. We walk through the three risks that matter most for retired and near-retired families: purchasing power risk, sequence of returns risk, and policy risk. We also reframe the gold question and explain why forecasting the dollar is the wrong game. You do not need the right prediction. You need the right structure.

Finally, we outline the AMG planning response: separating lifestyle capital from legacy capital, layering income sources across tax treatments, stress-testing withdrawals across inflation regimes, using real assets intentionally, and coordinating investments, taxes, and distribution strategy.

The goal is not to be alarmed. The goal is to be prepared, so you can fund life with stability, regardless of what the next economic regime looks like.

Most people think refinancing is about timing interest rates. It’s not. It’s about preparation.

In this episode of 2026: The Year to Advance (Part 2), Mo and Andrew break down what it actually means to be refinance ready. Instead of chasing headlines or hoping rates drop, they walk through a practical readiness playbook designed for high-income households and business owners who want flexibility, leverage, and better long-term outcomes.

You’ll learn why cash-flow resilience matters more than a lower rate, how underwriting readiness determines who gets the best terms, and why decision rules prevent costly mistakes when the window opens. They also cover common debt structure traps, what lenders really do when rates fall, and how business owners should think about the purpose of capital in a changing rate environment.

This is not a “refinance now” episode and it’s not a “wait for perfect rates” episode. It’s about positioning. When you are prepared, you can move quickly without being reckless and hold with confidence when the math doesn’t work.

If 2026 is your year to advance, this episode will help you stop reacting to rates and start making intentional, strategic decisions.

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Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.

2026 could be your opportunity window. In this episode, we break down why this year may be a turning point for wealthy families and business owners — and why you’ll likely look back either grateful you took action or frustrated you waited.

We talk about what’s driving the rate conversation (and why “waiting for the perfect time” can be just another form of market-timing), how to run the refinance and move-up math the right way, and why lower rates won’t fix a fragile financial plan. We also unpack the “teaser” offers financial institutions will push hard, what a real win actually looks like, and how falling borrowing costs could impact housing, new builds, and business expansion.

Finally, we zoom out: risk posture, adaptability, and AI. Because the companies that win the next cycle won’t be the ones who wait — they’ll be the ones who move with wisdom and speed.

If you’re a high-income earner, business owner, or CFO of your household — this one is for you.

Key topics:

Why 2026 could be a decision year
Rate cuts, Fed leadership shifts, and what to watch
Refi vs. wait: stop guessing and run the math
Why the foundation matters more than the rate
Spotting “teaser” offers vs real value
Housing and affordability if rates fall
Business capital moves: refinance, expand, invest
Risk, longevity, and the danger of playing it too safe
AI as a cross-functional advantage (speed, ops, acquisition)

Next step: If you want help pressure-testing your plan, reach out or book a strategy call.

Disclaimer: This content is for education only and is not financial, tax, or legal advice.
Follow us on
X.com: https://x.com/AMGinc_ATL
Instagram: https://www.instagram.com/assetmanagementgroupinc/
LinkedIn: https://www.linkedin.com/company/amgincatl/
Facebook : https://www.facebook.com/beyondtomorrowpodcast
Website: https://www.assetmg-inc.com/
YouTube: https://www.youtube.com/@assetmanagementgroupinc
TikTok : https://www.tiktok.com/@assetmanagementgroupinc
Blog: https://www.assetmg-inc.com/blog

Disclosure
Educational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.