Income Over Wealth

What a 30% drop in year one actually costs on a $1,000,000 portfolio, and the three things that decide whether it stays a dent or becomes permanent

Show Notes

A crash in your first year of retirement costs more than the drop itself, and this episode puts a number on it. Dan walks through what a 30% year-one drop does to a $1,000,000 portfolio even after the market fully recovers, then the harder version where the recovery never arrives. The last stretch covers where your spending comes from while you wait.

  • Why the damage from a first-year crash is easier to see in shares than in dollars
  • Why the worst year to retire in American history had no crash in it at all
  • How much cash to hold against a $40,000 withdrawal, and what a temporary 10% spending cut buys you

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=ygZafRwzaZU

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

What is Income Over Wealth?

Retirement is an income problem, not a net-worth problem. Dan Wilson is a real estate investor, not a financial advisor. He buys and rents houses in Ohio, funds them with private money instead of bank loans, and built enough income from real estate to leave the Air Force. Twice a week, in about fifteen minutes, he works out how to replace a paycheck in retirement: where monthly income actually comes from, what each source costs you in risk, and how private lending works — including what to demand from any borrower. Every episode is also a video on YouTube. Educational only — not financial, legal, tax, or investment advice, and not an offer or solicitation of any investment.