We start by discussing the 3 key ways to handle stock market volatility in retirement. Then we’ll turn to your questions.

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0:00 – Welcome to the Financial Freedom Show!
2:17 – 3 Ways To Deal With Stock Market Volatility in Retirement
15:27 – Q&A
19:28 – Videos for people 50+ in retirement
21:49 – Supplement cash reserves during a down market
29:20 – Treasury bills if the US defaults on debt
31:37 – MYGA
34:48 – De-cumulation in retirement
35:36 – Buying puts every 3 months
36:18 – Side hustles
39:50 – Roth IRA with a 10 year investment goal
42:15 – Wade Pfau
43:39 – Annuities
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45:35 – Vanguard digital advisor
53:09 – CPF’s
54:42 – Healthcare options for those who want to retire early
56:55 – $1 million to invest/DCA
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1:08:11 – VT and never rebalancing
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1:13:04 – $600k tax bill/where to park the money
1:14:17 – BRKA holder
1:15:13 – A deep dive on LTC
1:16:35 – Calculating your personal inflation rate
1:20:12 – AI stock growth
1:22:19 – BND tax question
1:23:09 – History book
1:26:01 – Freelance writing
1:28:10 – DC airport
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ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. Today I’m the Deputy Editor of Forbes Advisor, managing a growing team of editors and writers that produce content to help readers make the most of their money.

I’m also the author of Retire Before Mom and Dad–The Simple Numbers Behind a Lifetime of Financial Freedom (

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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Retirement is a time when most people look forward to enjoying their golden years with little to no worries. However, the stock market’s volatility has become a common occurrence in recent years, which can threaten one’s retirement savings. With that said, there are ways to deal with stock market volatility in retirement, and in this article, we’ll explore three effective ways to manage it.

1. Diversification: The age-old adage of ‘don’t put all your eggs in one basket’ holds significance in retirement too. Diversification helps spread risk across a variety of industries, asset classes, and geographical markets. This way, if one sector underperforms or is affected by market volatility, the others can still protect your portfolio from significant losses. So, instead of investing heavily in one stock or asset class, it’s wise to diversify and ensure that your portfolio is well-balanced.

2. Invest in bonds: Another way to stabilize your investment portfolio is to invest in bonds. Unlike stocks, bonds are less risky and provide steady income. Moreover, bonds serve as a cushion for your portfolio during a downturn. They can also provide an alternative source of income for your retirement, and bonds are typically less volatile than stocks.

3. Mitigate risk through professional help: Investing in the stock market can be a complex and challenging process, even for those who have done it many times before. As such, seeking professional guidance can mitigate risk and improve the chances of achieving investment goals. Financial advisors can help you assess the risk tolerance of your investment portfolio and provide insight into strategies that can help you manage and navigate stock market volatility.

In conclusion, the stock market’s volatility is a reality that all investors have to contend with. However, with diversification, investing in bonds, and seeking professional help, you can protect your retirement savings from significant losses. The key to success when dealing with stock market volatility is to stay calm, focus on your long-term goals, and make informed decisions. With these three strategies, you can enjoy your retirement years with the peace of mind that comes with a secure financial future.