Bestselling Author and Retirement Planning Expert, Matt Richman, breaks down the three jobs of retirement money—liquidity, growth, and safety of principal—and explains why no single account reliably delivers all three at once. Listeners will learn how common vehicles trade strengths: investment accounts provide access and growth potential but risk principal, savings and checking accounts keep money safe and accessible but generate minimal growth, and options like CDs or indexed retirement tools protect principal and add growth upside while limiting full access. The conversation shows how a bucket strategy spreads money into clear, purposeful segments, ties decisions to personal “whys,” and keeps planning simple enough to act on without stalling. If you want a plan you can understand, trust, and execute, this episode lays the foundation.