Are you at or near retirement, worried that a market crash could wipe out your nest egg? Many financial plans are based on "Red Money"—hypothetical growth and risky spend-down strategies (like the flawed 4% rule) that leave you exposed to devastating losses.

In this episode of Safe Money and Income Radio, host Darrell Blackman (military veteran, federal retirement consultant, and leader in finance as recognized by Top 100 Magazine) introduces the "Green Money" strategy. This is a contractually guaranteed approach, often using insurance-based products, that allows you to participate in market gains but never suffer market losses.

In this episode, you'll learn:

• The "Red Money vs. Green Money" Philosophy: Why you must distinguish between money you can afford to risk and money you cannot afford to lose.

• Why the 4% Rule Fails: The danger of "spend-down" planning and the massive impact of "sequential rate of return risk."

• The "Annual Reset" Concept: Darrell uses a roller coaster analogy to explain how this strategy locks in your gains each year so your account value never goes backward due to a market downturn.

• How to Secure Lifetime Income: Discover how you can get guaranteed income you can't outlive, often with upfront bonuses (up to 10%) and guaranteed income account growth (up to 7%).

This episode is for those age 50+ with at least $100,000 in retirement savings.

To request your complimentary, 115-page "Safe Money and Income" book and kit, call Darrell Blackman's team 24/7 at 844-837-SAFE (844-837-7233).

Remember Bobby McFerrin's song, "Don't Worry, Be Happy"? For many people nearing retirement, that's easier sung than done when their financial future is exposed to market risk and hypothetical plans. In this episode of Safe Money and Income Radio, asset and retirement protection specialist Darrell Blackmon explains why a guaranteed income stream is the proven key to happiness in retirement, as supported by studies from Time Magazine and Greenwald & Associates.

Join Daryl as he discusses powerful, safety-first strategies designed for those at or near retirement. You'll learn how to move from uncertain, risk-based planning to a secure future built on contractual guarantees.

In this episode, you will learn:

• The "Safety First" retirement strategy and how to build a reliable "income floor" you can't outlive.

• Why successful investors like Shaquille O'Neal and Ben Stein use annuities to guarantee a lifetime income stream, regardless of market performance.

• How modern insurance-based financial products can offer growth potential (up to 7% for income purposes) while completely protecting your principal from market losses.

• Your options for protecting a 401k or other retirement account, especially if you have recently changed jobs or reached age 59 ½.

  
  

  
  

For decades, retirees have been told to follow the "4% rule"—the theory that you can safely withdraw 4% of your savings each year without running out of money. But what if this cornerstone of modern financial planning is a ticking time bomb based on outdated, hypothetical models?

In this eye-opening episode of Safe Money and Income Radio, federal retirement consultant Daryl Blackmon dismantles the myths of "spend down" planning. He reveals how this common strategy, practiced by 95% of financial professionals, offers only a "reasonable chance" of success, leaving your future vulnerable to market volatility and the devastating impact of "sequential rate of return risk".

In this episode, you will learn:

• The history of the 4% rule and how modern research shows a truly "safe" withdrawal rate could be as low as 1.5%.

• Why planning for arbitrary "growth" is meaningless without a purpose, and how to build a retirement plan as secure as a well-built home.

• The critical difference between a paper gain in the market and a real gain that is locked in and protected from future loss.

• How alternative strategies can provide guaranteed lifetime income that you and a spouse can't outlive, often paying out significantly more than the risky 4% model.

If your retirement plan is built on guesswork rather than guarantees, this is an episode you can't afford to miss.