A little hope is good for the soul, but when it comes to retirement planning, wishful thinking can lead to serious financial mistakes. In this episode, Colin and Victor walk through five common examples of wishful thinking that can quietly damage your retirement and how you can build a plan that protects your future instead of relying on luck.

Beliefs like “I’ll just work forever” or “the market always goes up” may feel comforting, but they often stem from a desire to avoid hard truths, and that mindset can be dangerous when the unexpected strikes. This episode isn’t just a warning, it’s a wake-up call. Because if your retirement plan hinges on your health holding up, politicians playing fair, or your adult kids stepping in with money, you might be more exposed than you think. So, are you really prepared for what could go wrong?

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

🧾 The tax bracket myth that could shrink your savings

🛏️ The caregiving fantasy that rarely plays out

📉 The danger of counting too much on Social Security

💸 Why relying on your kids financially almost never ends well

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