This week on The Financial Huddle, we kick things off with football season energy, family updates, and even some half-marathon training mishaps—but the conversation quickly pivots to one of the biggest concerns we hear from clients: Will I run out of money in retirement?

It’s not just a casual worry. Studies show that the fear of outliving savings consistently ranks as the top financial concern among Americans—often above the fear of death itself. Whether you’re lower income, middle class, or high net worth, this question keeps people up at night. And the truth is, it’s not a simple yes or no.

In this episode, we break down:

• Why running out of money is the #1 retirement fear – and why it matters even for wealthy families.
• The stats you need to know from national retirement studies and surveys.
• Key drivers of the fear: longer life expectancies, rising healthcare costs, long-term care risks, and uncertainty around Social Security.
• Why college planning is a retirement issue—and how wealth transfers during your life can sabotage your retirement.
• The importance of planning your lifestyle—knowing not just what you’ve saved, but what you want your retirement to look like.
• Distribution planning essentials: how to draw income without draining accounts too quickly.
• Social Security timing decisions—when to take it, what it means for your income gap, and how taxes impact everything.
• Sequence of returns risk—why pulling money out during a market downturn can derail decades of work.
• The Bucket Plan strategy—segmenting your money into “now, soon, and later” to build confidence and avoid panic withdrawals.
• Why a one-size-fits-all plan doesn’t work—and how nuanced, personalized planning creates real peace of mind.

At the end of the day, it’s about more than numbers—it’s about confidence, security, and clarity. The best time to start planning was yesterday. The second-best time is today. Whether you’re 25 or 65, what you do now determines whether your retirement years are defined by stress and scarcity—or freedom and opportunity.

So grab your playbook, huddle up, and join us as we tackle the question on everyone’s mind: Will I run out of money? Spoiler—if you’ve got a smart plan, the answer doesn’t have to be yes.

Go Bucks, go Browns, and go into retirement with confidence.

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Disclosure: Information contained in this podcast is for entertainment and informational purposes only, and should not be considered as financial advice. Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Keystone Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.