You might think your 401k is your retirement plan, but what if that mindset is setting you up for financial frustration later? In this eye-opening episode, Victor unpacks a common misunderstanding that could cost retirees thousands: confusing retirement accounts with actual retirement planning.

Victor explains why treating your pre-tax retirement account as your catch-all fund- for cars, emergencies, vacations, and more- can come with hefty tax consequences. If you've ever considered pulling from your retirement to pay cash for a big purchase, this conversation is a must-hear. You'll learn the difference between saving and planning, why timing and tax strategy matter, and how a smarter withdrawal approach can protect both your lifestyle and your legacy.

Here’s some of what we discuss in this episode:

🧠 Why a 401k isn't a full retirement plan

🚗 The $40,000 car that really costs $53,000

💸 How taxes quietly sabotage big withdrawals

📊 Planning vs. saving (what's the difference?)

🛠️ How to build financial flexibility into your retirement

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