{"id":47276,"date":"2026-01-11T04:41:12","date_gmt":"2026-01-11T04:41:12","guid":{"rendered":"https:\/\/isafespend.com\/?p=47276"},"modified":"2026-01-11T04:41:13","modified_gmt":"2026-01-11T04:41:13","slug":"the-5-years-that-will-make-or-break-your-retirement","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=47276","title":{"rendered":"The 5 Years That Will Make or Break Your Retirement"},"content":{"rendered":"<figure><figcaption>Africa Studio \/ Shutterstock.com<\/figcaption><\/figure>\n<p>You can do everything right for 30 years\u2014max out your 401(k), choose low-cost investments, and resist the urge to sell during panic\u2014and still run out of money. It sounds unfair, but the market does not care about fairness. It cares about timing. Most investors obsess over their average annual return. They assume if the market averages 8% over the long haul, their retirement plan works.<\/p>\n<p>Read the full article <a href=\"https:\/\/www.moneytalksnews.com\/the-years-that-will-make-or-break-your-retirement\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Africa Studio \/ Shutterstock.com You can do everything right for 30 years\u2014max out your 401(k), choose low-cost investments, and resist the urge to sell during panic\u2014and still run out of money. It sounds unfair, but the market does not care about fairness. It cares about timing. Most investors obsess over their average annual return. They<\/p>\n","protected":false},"author":1,"featured_media":47277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[32],"class_list":{"0":"post-47276","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-make-money","8":"tag-featured"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.12 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The 5 Years That Will Make or Break Your Retirement | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Africa Studio \/ Shutterstock.comYou can do everything right for 30 years\u2014max out your 401(k), choose low-cost investments, and resist the urge to sell\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/isafespend.com\/?p=47276\" \/>\n<meta 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