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Market swings feel different when you’re nearing or living in retirement. Colin and Victor revisit what real volatility looks like and why recent “quick recoveries” may be giving investors a false sense of security. They explain how downturns actually impact your income, why averages can be misleading, and what happens when you’re pulling money out during a decline.

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

💸 Sequence risk: Withdrawals during downturns do lasting damage

📉 Averages vs reality: You can’t spend hypothetical returns

⏳ Recovery timing: Not all markets bounce back quickly

⚖️ Risk capacity: What you can afford matters more than comfort

🎯 Income strategy: Structure matters more than returns

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