What Retirement Planning Gets Wrong, with Jamie Hopkins

Jamie Hopkins, a certified financial planner and professor of taxation, argues that fixating on a retirement savings target is misguided; what matters is income relative to a lifestyle that shifts over time. He highlights sequence of returns risk as the biggest threat to a retirement portfolio, noting the 4% rule is only safe in certain historical periods. The conversation covers often-overlooked dangers like silver divorce and elder financial abuse—including AI voice cloning scams—and ends with Hopkins’s most crucial retirement element: intentionally rebuilding community.