In this episode, Wade breaks down the numbers behind America’s growing retirement crisis and why so many families struggle to build meaningful retirement accounts. Instead of simply blaming market volatility or lack of discipline, he explores deeper causes—from generational inheritance expectations to the hesitation younger savers have about locking money away for 30+ years in traditional tax-qualified plans. Wade also challenges the conventional definition of “retirement,” arguing that true financial freedom comes from passive income, control, and liquidity—not hitting a magic age. He outlines alternative strategies for building long-term certainty, including using properly structured whole life insurance as a savings environment, a legacy transfer tool, and a way to maintain financial privacy and control. If you’re rethinking what retirement should actually look like, this episode offers a refreshing framework and a more strategic path forward.