# A Retirement Plan That Ran Out of Money Doing Everything "Right"

Page: https://stenobird.com/podcast/how-to-retire-on-time-6974466/a-retirement-plan-that-ran-out-of-money-doing-everything-right
Text version: https://stenobird.com/podcast/how-to-retire-on-time-6974466/a-retirement-plan-that-ran-out-of-money-doing-everything-right.md
Podcast: [How to Retire on Time](https://stenobird.com/podcast/how-to-retire-on-time-6974466)
Published: 2026-09-21T12:00:00+00:00
Episode link: https://share.transistor.fm/s/8c723f73
Audio file: https://media.transistor.fm/8c723f73/35809520.mp3
Processing state: not_requested
JSON: https://stenobird.com/v1/public/podcasts/how-to-retire-on-time-6974466/episodes/a-retirement-plan-that-ran-out-of-money-doing-everything-right
Duration seconds: 1288

## Resource

Michael Decker, NSSA® runs the same million-dollar IRA forward in two different ways, one converting aggressively to a Roth and one does not. Only one of them still has money left at 95. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

## Actions

- request_transcript: `POST https://stenobird.com/v1/public/podcasts/how-to-retire-on-time-6974466/episodes/a-retirement-plan-that-ran-out-of-money-doing-everything-right/transcription-requests` — Idempotently request low-priority transcript generation for this episode.
- read_markdown: `GET https://stenobird.com/podcast/how-to-retire-on-time-6974466/a-retirement-plan-that-ran-out-of-money-doing-everything-right.md` — Read the agent-friendly Markdown representation of this episode resource.

A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed.

## Transcript

Full transcripts are not published on public pages unless there is a clear rights basis.