7 “Assets” Rich Retirees Avoid

Early Retirement Roadmap · Oct 13, 2025 · 8m

Retirement planning, early retirement, money traps: timeshares, vacation homes, high-fee annuities, whole life insurance, long-term care insurance, high-yield bonds, high-fee active funds, cash flow, withdrawal rate.

In this episode, we break down 7 “assets” rich retirees avoid—and why skipping them protects your cash flow and flexibility before and after you retire. You’ll learn how these purchases can raise ongoing costs, lock up money, or add risk at the worst time—and what simpler choices to use instead.

What you’ll learn:

Timeshares & vacation homes: exchange fees, rising dues/carrying…