Dear Patriot,

Yesterday, I showed you how to lock in income without giving up control. But here’s the bigger picture: **retirement success comes from balance—growth and guarantees.**

Too much in “safe” assets? You lose to inflation. Too much chasing returns? You risk running out during a downturn. The answer? **Divide and conquer.**

Smart retirees structure their plan like this:

* **Floor:** Cover essentials with guaranteed income (Social Security, annuities).

* **Growth:** Use Roths, dividend stocks, or real estate to stay ahead of inflation.

* **Flexibility:** Keep cash reserves and taxable accounts for surprises.

The elites use this layered approach to weather anything—and _sleep well_ doing it.

Tomorrow, I’ll show you how to stress-test your plan to see if it actually holds up under pressure

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^Sponsored Content^

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**Poll Of The Day**

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Caption:

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**Fun Fact Of The Day**

Retirees who cover their basic needs with guaranteed income are **twice as confident** in their financial future—regardless of portfolio size.

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