We’ve all heard the retirement “rules of thumb”, save a million bucks, withdraw 4%, you’ll be fine. But what if those old rules are setting you up for mistakes?

In this episode of That Financial Guy Show, Keith Wilson takes aim at the five most common retirement myths that can derail even the smartest savers. You’ll learn:

• Why the “$1 Million to Retire” rule is misleading (and how inflation + cost of living change everything).
• The truth about Social Security, why it’s not going away, and what really matters.
• Why the famous 4% rule isn’t one-size-fits-all (and what Bill Bengen, Michael Kitces, and even Dave Ramsey get wrong).
• How lifestyle creep quietly eats away at high earners and how to stop it without living like a monk.
• Why money alone doesn’t guarantee happiness in retirement and what to focus on instead.

Retirement isn’t about myths, magic numbers, or fear it’s about clarity, flexibility, and purpose.

🎧 Tune in now to learn what really works when it comes to building and living your best retirement.

Helping you to be wise with your money!
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If you’re in your 40s or 50s and feel like you’ve fallen behind on retirement savings, this episode is for you. Maybe you’ve heard the advice to start investing early—but life happened, and now you’re wondering if it’s too late to build a secure future. Spoiler: it’s not. In this episode of That Financial Guy, I’ll walk you through ten realistic, actionable steps to help you catch up, rebuild, and create a retirement plan that works—starting right now. From money mindset shifts and tracking your spending, to building an emergency fund, increasing your income, and redefining what retirement can look like, we’re covering it all. No fluff. Just clear, practical guidance for people ready to take control. You’re not too late—you’re right on time.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...

It’s not just what you invest in, it’s where you invest it that makes the difference.

In this episode of That Financial Guy Show, I break down how to use different types of accounts: 401(k)s, IRAs, Roth IRAs, and brokerage accounts, to maximize growth and minimize taxes.

You’ll learn:

• How each account is taxed and why that matters.
• Why mutual funds in a brokerage account can create surprise tax bills.
• How one big index fund in a brokerage account could limit tax-loss harvesting.
• Why Roth accounts should be your pure growth engine.
• Which investments fit best in 401(k)/IRA accounts vs. Roth vs. brokerage.

This is the overlooked strategy called asset location, aligning investments with the right account type. Get it right, and you can grow wealth faster and keep more of what you’ve earned.

🎧 Tune in now to make sure your money is working smarter across every account you own.

Helping you to be wise with your money!
To see more videos discussing personal finance Subscribe:
https://www.youtube.com/channel/UCbDA...

For more resources: 👉 https://wfa-nc.com/insights

📝 Get your Free Retirement Plan checkup
https://wfa-nc.com/retirement-plan-ch...

To schedule a complimentary consultation with me: 👉...