# Your Retirement Plan Is Built for Markets That Go Up. Here's What Happens When They Don't. Page: https://stenobird.com/podcast/how-to-retire-on-time-6974466/our-retirement-plan-is-built-for-markets-that-go-up-here-s-what-happens-when-they-don-t Text version: https://stenobird.com/podcast/how-to-retire-on-time-6974466/our-retirement-plan-is-built-for-markets-that-go-up-here-s-what-happens-when-they-don-t.md Podcast: [How to Retire on Time](https://stenobird.com/podcast/how-to-retire-on-time-6974466) Published: 2026-07-03T12:00:00+00:00 Episode link: https://share.transistor.fm/s/1e89ce53 Audio file: https://media.transistor.fm/1e89ce53/d778f0e2.mp3 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/how-to-retire-on-time-6974466/episodes/our-retirement-plan-is-built-for-markets-that-go-up-here-s-what-happens-when-they-don-t Duration seconds: 3361 ## Resource Mike breaks down the bear market protocol live, the three-move strategy that turns a market crash into an opportunity, and explains why most retirees don't have one. Most retirement plans are built around products, not your life. Ours isn't. 📚 Free book + audiobook + retirement calculator + weekly live Q&A Grab yours free 👉 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/our-retirement-plan-is-built-for-markets-that-go-up-here-s-what-happens-when-they-don-t/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/how-to-retire-on-time-6974466/our-retirement-plan-is-built-for-markets-that-go-up-here-s-what-happens-when-they-don-t.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.