Critical Shift in Retirement Goals: 

• During your working years, the primary goal is growth.
• As you transition towards retirement, the focus should shift to income as the top priority, with growth becoming secondary. 

Problem with Not Adapting: 

• Many retirees slide into retirement without changing their investment strategies, sticking with a growth-first approach. 
• This leads to a lack of confidence in their financial stability during retirement. 

Statistics and Risks: 

• Over 60% of retirees worry about running out of money. 
• Relying on rules of thumb like the “4% rule” can lead to significant losses in market downturns, something that can be avoided with the income-first approach  

 Income-First, Growth-Second Strategy: 

• Prioritizing income generation creates stability and confidence. 
• This strategy aligns financial resources with retirement goals, ensuring retirees enjoy a stress-free retirement without giving up on growth.