The Hidden Risk That Could DESTROY Your Retirement Savings

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Are you close to retirement or already retired? You Could Have $1 Million and Still Go Broke.

There’s a hidden danger that could wipe out your savings faster than you think — and it has nothing to do with inflation or a market crash.

It’s called Sequence of Return Risk, and if you don’t plan for it, it could completely derail your retirement.

In today’s video, I break down exactly what sequence of return risk is, why it’s so dangerous, and how you can protect yourself with smart withdrawal strategies.

I’ll also answer critical questions like:
– Does the 4% Rule still work in 2025?
– What is a safe withdrawal rate today?
– How global market risks are changing retirement planning
– The biggest psychological trap retirees fall into
– The best strategies to survive market downturns without running out of money

Whether you’re using a traditional 60/40 portfolio, a cash reserve strategy, or variable spending, understanding these risks is critical for a secure and comfortable retirement.

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ABOUT ME 👇

My mission is to provide my viewers with actionable content that enables them to create financial wealth. My videos are a reflection of my real-world experience as a real estate investor, stock market investor, finance major, and entrepreneur.

This channel allows me to share my passion for personal finance, stock market investing, real estate investing, and entrepreneurship. I produce content that I would want to watch, and because of that, I give 100% effort in every video that I make. I also believe in complete transparency and open communication with my audience.

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments.

AFFILIATE DISCLOSURE: Some of the links on this channel are affiliate links, meaning, at NO additional cost to you, I may earn a commission if you click through and make a purchase and/or subscribe. However, this does not impact my opinion.

Joe Lilli
 

  • @WhiteBoardFinance says:

    Check out ClickBank Ember Today: https://www.clickbank.com/ember-whiteboard-finance/

  • @miguelinthehouse says:

    Dave said I can pull 8% every year Marko 😂

  • @westonr4359 says:

    I think it’s jif just like the peanut butter haha. Excellent and thought provoking video. important to retire debt fee or low expenses for this reason

  • @ak49mitchell says:

    OG OG OG. Long time listener here, seen you grow over the years.

  • @westonr4359 says:

    I’m a triple OG Marko, fellow Ohioan that’s been watching you for along time

  • @KristopherHesson says:

    Geez I enjoy the crazy sound effects and humor way too much. Fun videos, Marko!

  • @user-pr2dc9wv9d says:

    MJ, Kobe, and Jokic? Your channel is GOATED forreal😂

  • @chely452 says:

    OGx3

    You’re the first legitimate financial YouTuber that switched my mentality on car notes or any bad debt for that matter. Has real credentials, humble, straight to the point, family man, smart, not over animated or worried about keeping people engaged-although I appreciate the tasteful humor LOL

  • @cdb5001 says:

    My 4% rule: Wait for the 4 Horsemen of the Apocalypse to buy low and hold.

  • @lakeobilt1 says:

    He cracks his self up❤ old ppl ….. Triple OG

  • @pandasdreamlygon says:

    we already missed you marko

  • @mattball6973 says:

    Tripple O to the G. Fantastic stuff as always, Marko. If you can’t entertain yourself while you work, what’s the point? Thank you!

  • @Gabrielcclvc02 says:

    OG my guy. You r top 1 financial channel on YT

  • @daveparker839 says:

    I’m going to call myself just a double OG. Don’t remember the car days, but I’ve been watching for a pretty long time. Thanks for the content!

  • @Funded... says:

    OG OG OG
    That .20c iced coffee distracted me from increasing my skill set to increase my Income 😂

  • @mvtx87 says:

    OG, the algorithm showed me the way to you years ago. I think Biy vs Lease car was my WBF gateway drug video

  • @LalitDevraj says:

    Triple OG, lets gooooooo – man, you’re soooo funny mannn and i love you sharing your humor along wirh true knowledge 😊😊

  • @DeanBKK says:

    17:50 that’s why there’s always that 70+ year old guy that pulls up to ‘Cars & Coffee’ in a GT3RS or something crazy 😂 Might as well spend it!

    • @WhiteBoardFinance says:

      I’m flying out to San Francisco to look at an M3. The seller is literally 87 years old lol. Original owner, bought it in 2012. He’s selling because he bought a new car 😂

  • @danielwise1682 says:

    Triple OG here, been enjoying your content and watching you grow for years, thanks for all the knowledge and humor.

  • @ZesejSidjdj says:

    More people need to read Diamond Riches Formula by John Barth because it does what most books only pretend to do…give you real tools, not theories. It felt like unlocking a part of my brain I didn’t know was off

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