Are you prepared for a "Black Swan" event—a rare, unpredictable market crash that risk models don't see coming? In this episode of Safe Money and Income Radio, retirement specialist Daryl Blackmon introduces the powerful ideas of scholar Nassim Taleb to explain why most retirement plans are dangerously exposed to catastrophic risk.

Daryl breaks down his simple yet powerful "Red Money vs. Green Money" framework to help you assess your own portfolio. Learn the difference between "Red Money," which is exposed to market losses, and "Green Money," which is protected from downside risk while still offering upside potential. Discover why, for those at or near retirement, "going green" is the key to creating a secure financial future where you can shift market risk to large, safe companies and build a retirement plan you can truly count on.

This episode covers:

• Why recovering from a market loss requires a much greater percentage gain, costing you both money and irreplaceable time.

• How to get a guaranteed bonus of up to 10% and lock in income account growth of up to 7% without downside market risk.

• How to secure a guaranteed lifetime income that you cannot outlive, even during a Black Swan event.

• How to get a complimentary copy of the 115-page

  Safe Money and Income book, an insider's guide to no-market-risk strategies.

What is the key to a truly happy retirement? According to research, it isn't just a catchy song like "Don't Worry, Be Happy". Studies show that retirees with guaranteed lifetime income are consistently happier and worry less than those living off volatile retirement savings. In this episode of Safe Money and Income Radio, Daryl Blackmon explains how to stop gambling with your future and build a retirement you can count on.

Daryl uses a powerful casino analogy to illustrate the difference between risk-based investing and a "no market risk" strategy where you only get paid and can never lose your principal or locked-in gains due to market losses. He introduces the "Safety First" retirement plan, a time-tested strategy that prioritizes creating a guaranteed income floor that you can never live below. Learn how wealthy investors like Ben Stein and Shaquille O'Neal use these same principles to secure their own financial futures.

This episode covers:

• Why traditional financial advice asking about "risk tolerance" is a faulty, "pass the buck" question.

• How to create a guaranteed payday where your money only goes up and never down due to market performance.

• Strategies for business owners, property owners, and 401k participants to protect their hard-earned money from market loss.

• How to get a complimentary

  Safe Money and Income book and kit to see if a "Safety First" plan is right for you.

For decades, financial planners have relied on "spend-down" strategies and the so-called "4% rule" for retirement income. But is this advice dangerously outdated? In this episode of Safe Money and Income Radio, retirement specialist Daryl Blackmon reveals why this common approach, practiced by 95% of financial professionals, is a guessing game that puts your entire nest egg at risk.

Daryl explains how plans based on hypothetical growth and arbitrary withdrawal rates can fail catastrophically due to "sequential rate of return risk"—the devastating impact of a market loss early in retirement. He discusses research that debunks the 4% rule, showing that a truly safe withdrawal rate could be as low as 1.5% for some retirees.

This episode covers:

• The flawed theory behind spend-down income planning and the 4% rule.

• Why a "22% return" in the market isn't a real gain if your money is still exposed to risk.

• An alternative approach: "planning with a purpose," which focuses on creating a dependable, guaranteed income floor you can't outlive.

• How to build a retirement plan with the safety and reliability of a well-built house, designed to withstand any storm.

• How to receive a complimentary

  Safe Money and Income book and kit to learn more about creating a secure retirement with purpose.