"Set It and Forget It" Is Costing You Your Retirement

A Swift Kick In the Ass · Oct 23, 2026 · 1h 14m

Your retirement plan was probably built on 10% annual returns. Vanguard now projects roughly 3.5–5.5% for the decade ahead. John Curren talks with financial planner John Grace, president of Investor's Advantage in Thousand Oaks, about what quietly breaks when the old math stops working — and the defensive, loss-limiting playbook that replaces "set it and forget it."

You'll hear:

• Why Grace plans around acceptable losses first — and how moving to cash kept his clients' 2008 losses under 20% while the market fell about 40%

• The silent squeeze of withdrawals, RMDs, taxes, inflation, and longer…