{"podcast":{"title":"Retirement Answers","slug":"retirement-answers-5918904","podcast_index_feed_id":5918904,"rss_url":"https://feeds.transistor.fm/retirement-answers","website_url":"http://www.retirementanswers.net","image_url":"https://img.transistorcdn.com/KhJzCTKS-mGC8PJ_7tH0afU3t823AuloPppPKnz9TQ4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNTM0/ZTQ1MWJjYTRlNGU2/MjMzMTM0MDcwNjI2/NDkwYi5wbmc.jpg","author":"Jacob Duke, CFP®","episode_count":162,"summary":"Retirement Answers is a podcast built to help you succeed in retirement. The thought of retirement can be overwhelming and downright scary for many... but it doesn't have to be! The goal of this podcast is to provide thoughtful insights and strategies to give you the confidence you need to retire successfully. At the end of the day, my ultimate goal for my clients and podcast listeners is to live a fulfilling retirement. Follow along as I publish a new episode each week covering everything from retirement income planning, tax planning, Social Security, insurance planning, investing, and much more. Here's to learning everything you need to know to live out your dream retirement!","last_synced_at":"2026-07-05T10:20:51.538567+00:00","page_url":"https://stenobird.com/podcast/retirement-answers-5918904"},"episode":{"title":"Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix","slug":"why-your-401-k-isn-t-enough-the-ideal-retirement-mix","published_at":"2026-05-06T11:30:00+00:00","page_url":"https://stenobird.com/podcast/retirement-answers-5918904/why-your-401-k-isn-t-enough-the-ideal-retirement-mix","show_page_url":"https://stenobird.com/podcast/retirement-answers-5918904","url":"https://share.transistor.fm/s/86867516","audio_url":"https://media.transistor.fm/86867516/b8410f54.mp3","summary":"You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late. In this episode, I explain why having all of your retirement savings in pre-tax accounts is major risk and how you can begin to fix things. 👉 Work With Us: https://www.rivertreewealth.com/get-started ✅ Get your Important Numbers 2026 PDF here: https://www.rivertreewealth.com/2026-important-numbers Email: jacob@rivertreewealth.com Website: https://www.rivertreewealth.com LinkedIn: https://www.linkedin.com/in/jacobduke Jacob Duke, CFP, MBA is the founder of Rivertree Wealth and the host of the Retirement Answers podcast. DISCLAIMER: This should not be taken as tax, legal, or investment advice. All content is for educational purposes only. 01:00 Early Retirement Access Trap 02:31 Risk One: Future Taxes 04:03 Risk Two: RMD Time Bomb 06:50 Risk Three: Income Control 09:37 Risk Four: Psychological Barriers 11:51 Risk Five: Lack of Flexibility 12:51 Tax Diversification 16:28 How To Fix The Problem 19:12 Conclusion","meta_description":"You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late. In t…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1297,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/retirement-answers-5918904/episodes/why-your-401-k-isn-t-enough-the-ideal-retirement-mix/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/retirement-answers-5918904/why-your-401-k-isn-t-enough-the-ideal-retirement-mix.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}