80% Say They’re Ready for Retirement — But They’re Making This Mistake (& 3 Steps to Fix It)

Most Americans say they feel confident about retirement, but 80% are missing a critical step that could make or break their future. In this video, I break down Prudential’s new 2025 Retirement Pulse Survey and reveal the 3 essential steps to turn retirement confidence into real financial security. We’ll cover withdrawal strategies, Social Security timing, and how to design a retirement income plan that lasts. Whether you’re in your 50s, 60s, or already retired, these insights can help you avoid costly mistakes and create a retirement you can truly enjoy.


00:00 - Intro
01:06 - The Confidence Paradox
03:10 - Retirement Personas: Who Are You?
03:24 - Globetrotters (37%)
03:52 - Relaxers (35%)
04:11 - Wellness Warriors (29%)
04:40 - Connectors (20%)
06:22 - Example: The Globetrotter
09:19 - Example: The Relaxer
11:19 - Social Security: Claiming Too Soon
13:00 - Decumulation by Design
15:04 - Optimism vs. Reality: Bringing It Together
15:31 - Get a written plan
15:43 - Define your withdrawal strategy
15:55 - Make Social Security part of the plan
16:55 - Bloopers