The biggest retirement mistake isn’t losing money — it’s losing momentum. 📉➡️⏳ Every market drop pushes most retirement accounts backward — and that’s when compounding slows or resets. That’s the real damage no one explains. Some people use IULs or FIAs to protect momentum. 🛡️ Down years: no market loss 📈 Up years: growth potential tied to an index Progress stacks instead of restarting. No emotional moves. No years wasted just getting back to even. Consistency is what builds long-term wealth.
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