Imagine checking your investments after a brutal market crash like during Covid with the March 16-20, 2020: -18% week. Your balance is down 32%, and panic sets in.

But what if I told you the biggest rebounds, like the +12% surge the very next week almost always follow?

This isn't luck; it's a pattern that makes stocks more predictable (and rewarding) than the 'random walk' myth suggests.

For the average investor saving for retirement, understanding this could mean thousands more in your pocket annually—without switching to boring bonds. Just change your outlook and use a simple method to beat the market.

In my latest podcast episode you will learn:

• What is the "Random Walk Theory"?

• Why is the stock market not a "random walk"?

• How can you use this to your advantage?

• An easy way to beat the market.

This is for investors who prefer evidence, clarity, and disciplined strategy over speculation or hype.

You've probably heard the conventional wisdom about retirement stages: the "go-go" years right after you clock out, full of adventure and travel; then the "slow-go" phase where things wind down due to age and aches; and finally, the "no-go" period of quiet homebound days. It's a neat little narrative, peddled by financial planners and lifestyle gurus alike.

But what if I told you it's mostly a myth? That "slow-go" isn't about creaky knees or fading energy - it's usually just code for "didn't save enough". Today, we're busting that myth wide open with hard data, real surveys, and some eye-opening figures.

Stick around, because if you save like you mean it, your 80s could look more like Ibiza than a rocking chair.

In my latest podcast episode you will learn:

• Why the traditional "Go-Go, Slow-Go, No-Go" retirement stages are largely a myth

• That retirees with strong finances and good health often keep travelling well into their 80s

• How average retirees see only a modest drop in travel spending between ages 75–84

• Why wealthier retirees typically maintain high travel spending with little slowdown

• That many retirees don't save enough — making them vulnerable to even small cost increases

• Why reduced travel is usually caused by money concerns, not inevitable aging

• How financial stress shows up in every "stage" of retirement — including the so-called "No-Go" years

• Why overly conservative investing can reduce retirement income dramatically compared with growth portfolios

• How better financial planning can help you stay active, independent, and engaged longer

Ever been terrified by those retirement calculators showing a scary chance of running out of money?

That's Monte Carlo simulations at work—spinning wild "what-if" scenarios that often paint a doom-and-gloom picture far worse than reality.

In my latest video, we'll debunk why most of these simulated failures could never happen in real life, how they push you toward boring bond-heavy portfolios that slash your retirement lifestyle by an average of 15-35% in annual spending, and why simply planning flexible actions during market dips is a game-changer for staying wealthy without the fearmongering.

Ignore Monte Carlo panic porn for empowered planning. Focus on adaptability over probabilities.

Retirement isn't about avoiding every storm—it's about sailing through them smarter.

You will learn:

• What are Monte Carlo Simulations?

• Why most simulated failures are myths that can't happen in real life.

• Why the stock market is not a "random walk".

• How the solution of more bonds can make your retirement miserable.

• Why action plans for market downturns are a better solution.

• Why failures are not catastrophic – just temporary lifestyle adjustments.

• Retirement isn't about avoiding every storm—it's about sailing through them smarter.