Why Your Retirement Savings Feels Unstable (And What to Do About It), Ep 183

Most people don’t think about market swings until their retirement accounts take a hit. If your 401(k) balance is dropping or you’re feeling uneasy, you’re not alone. Recent shifts, fueled by tariff changes and global uncertainty, have left many wondering what to do next. But you don’t have to ride this out blindly.

We break down why this is happening, how it impacts your savings, and what you can do to stay on track. Some investors take on more risk than they realize, and waiting too long to adjust can cost them. Knowing how to match your investments with your comfort level can make all the difference.

By the end, you’ll have a clearer picture of what’s happening, how past downturns compare, and ways to protect your retirement without panic moves. Because the best way forward is always preparation—not fear.

You will want to hear this episode if you are interested in…

• (0:00) Why retirement savings feel unstable
• (6:40) Listeners’ concerns about retirement savings
• (9:30) The risk of being too aggressive with investments
• (11:40) The danger of over-concentration in a single stock
• (13:30) Social Security misunderstandings and key takeaways

Market Volatility and the Tariff Effect

The market has been unpredictable lately, and a big part of that comes from the latest tariff announcements. When new trade policies roll out, businesses react, prices shift, and investors feel the impact. It’s not just headlines—it’s your retirement savings on the line.

Short-term market drops can feel alarming, but they’re not new. We’ve seen this before, like in 2018 when similar tariff concerns caused a sharp decline. The key is understanding what’s happening so you can make decisions based on facts, not fear.

Why Some Investors Take on More Risk Than They Realize

A lot of people think they have a balanced portfolio—until the market turns. Many investors unknowingly take on more risk than they’re comfortable with, especially when stocks have been climbing for years. Then, when things shift, the losses feel much bigger than expected.

If you’re seeing your 401(k) or IRA balance drop and it’s making you uneasy, that’s a sign to reassess. The goal isn’t to avoid risk completely—it’s to make sure it matches your financial situation and long-term plans.

Social Security and the Questions People Forget to Ask

I was recently part of a discussion on Social Security, and it reminded me how confusing the system can be. Even financial professionals sometimes misunderstand how benefits work, when to claim them, and how they fit into an overall retirement plan.

If you’re unsure about your options, you’re not alone. The best thing you can do is ask questions now, rather than assume it’ll all work itself out. A small change in how or when you claim benefits could make a big difference in your income down the road.

Resources & People Mentioned

• 3 Steps to Retirement Planning
• Visit Yahoo Finance to explore past market trends