You Need a Retirement Plan

4 Retirement Scenarios, 5 Game-Changing Levers, and the Harsh Truth About America’s Financial Future

You won’t ever retire. That’s a brutal statement. But for millions of Americans… it’s not clickbait. It’s reality.

Nearly half of adults don’t even have three months of emergency savings, and the median 401(k) balance is just $38,000. That’s not enough for a single year of comfortable retirement.

If you plan to “wing it,” retirement will wing you.

Watch this video on YouTube at BullAcademy.org.

Today, I’m going to walk you through four retirement realities — from virtually no retirement… to full freedom.

We’ll do the math, hit the pressure points, and I’ll show you the single move that matters most in each scenario.

The Retirement Landscape

Let’s start with the terrain you’re retiring into.

The average Social Security benefit today is about $1,976 a month, climbing to just over $2,000 by mid 2025.

Now, yes — if you work a full 35-year max-contribution career and wait until age 70 — you can hit…