I just met with a family making $440,000 a year. They're completely broke. Living paycheck to paycheck with zero savings, zero investments. Their excuse? 'It's hard.' The same excuse I hear from people making $20,000. After coaching hundreds of high earners, I've discovered it's not about how much you make—it's about five specific mindset mistakes that keep you trapped in the broke cycle, no matter your income level.

Most people think retirement success comes from picking the “best” account—401(k), Roth IRA, or maybe an IUL. But real financial freedom comes from strategic diversification, not account loyalty. In this blog, you’ll learn how to build a resilient retirement strategy by combining tax-deferred, tax-free, and protected income vehicles—so you can retire with security, flexibility, and zero tax surprises.