Chris Heye makes the case in a Journal of Financial Planning article that the two retirement risks we obsess over might not be the two most likely to derail us. There are four risks in play, and the two nobody models are the ones quietly doing the most damage:

• Longevity Risk
• Market Risk
• Health Risk
• Decision Risk

I go into depth on those last two.

In our Listener Question, a 69-year-old retired engineer and do-it-yourselfer asks about setting up my plan for his wife who's just not into dollars and cents.

And in our Retire To Something segment: Debbie shares her "One Year Sabbatical" — and how she gives herself permission to figure out her purpose along the way.

Resource: 
Article by Chris Heye, Ph.D. in the Journal of Financial Planning: Beyond Sequence of Returns: The Four Risks to Retirement Security

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