AVOID the 4% Rule! | The $1.8 Million Trap & What You REALLY Need

🔍 Do You Really Need $1.8 Million to Retire? The Truth Might Surprise You!

Many Americans believe they need *$1.8 million* to retire early or comfortably, but where does that number come from? Is it based on real financial planning, or is it just a guess?

In this video, we’re breaking down:
✅ The origins of the $1.8 million retirement myth
✅ Why the popular *4% rule* is misleading
✅ A powerful strategy that’s been hidden in plain sight
✅ Real-world numbers showing how *10%–20% payout plans* can actually work

You don’t need to be a millionaire to retire well.

Whether you're planning ahead to retire early or are already retired, this video gives you smarter strategies to retire healthy and wealthy!

*📌 Don’t forget to subscribe* for more tips on early retirement, financial freedom, and smarter investing!**

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🎥 The Secret to 10%-20% Annuity Payouts | Staging & Laddering Strategies
   • The Secret to 10%-20% Annuity Payouts | St...  

🎥 #1 Strategy to BEAT INFLATION: Laddering OUT & IN Annuities Explained
   • #1 Strategy to BEAT INFLATION: Laddering O...  

Our Videos Organized into 4 Playlists

🎥 Step 1: 5 Annuity Types | Terminologies | Design Purposes
   • Step 1) 5 Annuity Types & Riders | Termino...  

🎥 Step 2: “Do I REALLY Need an Annuity & Is Now the Best Time?” (Comparing Hybrid Pension vs. Investments)
   • Step 2) “Do I REALLY Need an Annuity (Comp...  

🎥 Step 3: Our Best Strategies & Pros & Cons with Fixed Indexed Annuities
   • Step 3) Staging & Laddering Strategies  

🎥 Step 4: DISCLOSURES: Beware of Annuity Scams & Bankruptcy Explained
   • Step 4) How to Read the Fine Print & Bankr...  

🎥 “What If My Annuity Goes Bankrupt?”
   • “What If My Annuity Goes Bankrupt?”  

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Your Retirement Advisors (20 Years)
Kai & Ann Chung & Gracie (Our Retirement Puppy)
KCIIS (KC Independent Insurance Solutions, LLC)

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📖 CHAPTERS
00:00 Do You Really Need $1.8 Million to Retire?
00:36 The Truth & The Lie
2:43 Social Security Concerns
3:18 The 4% Rule Lie
4:27 The Hidden Strategy
6:23 Hybrid Pension Payouts (Real Numbers)
9:58 10%-20% ROI (How?)
13:28: Present Value & Time Value Of Money
15:04 Hybrid Pension’s Cash Growth
16:30 What If They Go Bankrupt?
19:04 Our Proprietary Spreadsheet

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