Chapter 1 of 12
A rainy Tuesday, a stack of papers she had been meaning to sort for months, and coffee gone cold an hour earlier. The moment Gina stopped nodding along — and the shift underneath it: retirement is no longer about the size of the balance, it is about the income that balance has to produce for the rest of your life.
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Class Booklets
Gina's kitchen-table moment of feeling lost among conflicting advice. Introduces "The Income Shift": the goal is no longer growing the biggest balance, but turning savings into steady monthly income that covers needs, keeps up with prices, and lasts for life.
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