← Insights · Retirement
Retirement Is An Income Problem, Not An Asset Problem
The number in your statement is not the number that funds your life. How to think clearly about converting savings into reliable income.
Scott GenadJanuary 22, 20258 min read
The most expensive thing in finance is not a fee. It is a quiet assumption left unexamined for thirty years. This essay is short by design: a frame, not a prescription.
The shape of the question
Every financial decision answers some version of the same four questions. We rarely ask them out loud, which is precisely why they go wrong.
“The right structure makes the right product obvious. The wrong structure makes every product look like a solution.”
A clarity call is the simplest way to translate any of this into your own numbers. There is no obligation, no pitch, and no product on the table.