# Why Procrastinating on Retirement Planning Gets Expensive

Page: https://stenobird.com/podcast/the-safe-money-retirement-show-3499283/why-procrastinating-on-retirement-planning-gets-expensive
Text version: https://stenobird.com/podcast/the-safe-money-retirement-show-3499283/why-procrastinating-on-retirement-planning-gets-expensive.md
Podcast: [The Safe Money Retirement Show](https://stenobird.com/podcast/the-safe-money-retirement-show-3499283)
Published: 2026-04-17T15:00:00+00:00
Episode link: https://www.buzzsprout.com/1995512/episodes/19032376-why-procrastinating-on-retirement-planning-gets-expensive.mp3
Audio file: https://www.buzzsprout.com/1995512/episodes/19032376-why-procrastinating-on-retirement-planning-gets-expensive.mp3
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JSON: https://stenobird.com/v1/public/podcasts/the-safe-money-retirement-show-3499283/episodes/why-procrastinating-on-retirement-planning-gets-expensive
Duration seconds: 2083

## Resource

One bad market swing early in retirement can undo decades of saving. In this episode, Tim Wood explains why sequence‑of‑returns risk, poor diversification, and procrastination are some of the most expensive mistakes retirees make. Using real‑world examples, including his own family’s experience, Tim breaks down the critical shift from growth to protection as retirement approaches. The conversation also explores how often portfolios should be reviewed, why “diversified” doesn’t always mean saf...

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## Transcript

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