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Are you certain that your current methods of building wealth are going to put you in the best possible position to maximize your retirement income?

Can your plan be successful under any set of circumstances?

How have you built in maximum flexibility for a continually changing landscape of interest rates, economics, and taxes?

To get more insight into how your different pools of money might work in retirement you need to see this video "How to Build and Balance Your 3 Pools of Money".