The Sleep at Night Test

The Sleep at Night Test

Ryan Bennett CFP®
Published on: 07/03/2026

I just can't watch my account go down" is one of the most common things I hear. But avoiding market risk doesn't mean avoiding all risk. Here's how I think about the sleep at night test as part of a real retirement plan.

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When to Take Social Security: Two Ways to Look at the Decision

When to Take Social Security: Two Ways to Look at the Decision

Ryan Bennett CFP®
Published on: 05/20/2026

Should you take Social Security early or wait? The answer involves more than a breakeven number. Here's a two-lens approach that looks at both the math and the human side of the decision.

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