Upticks: Retirement Planning Myths Some Smart People Still Believe

By Luke Sullivan on May 21, 2026

Are smart, successful professionals unknowingly making retirement planning mistakes?

In this episode of Upticks, Jake and Cory break down some of the most common retirement myths. Even the ones high earners and financially savvy individuals may still believe. From assuming your expenses will drop in retirement to relying on outdated rules of thumb, these misconceptions can quietly derail your long-term financial plan.

They also unpack a popular strategy used by ultra-wealthy investors where they borrow against their stock instead of selling it. They explain reasons why it may not be as safe or accessible as it sounds.

One of the biggest takeaways? Retirement isn’t just about building wealth, it’s about transitioning your strategy. The shift from accumulation to decumulation requires a completely different mindset, and many people underestimate just how complex that transition can be.

If you’re approaching retirement or simply want to better avoid costly financial blind spots, this episode can challenge your assumptions and help you think more strategically about your future.


📘 Get Jake’s bestselling book — Retiring Right

📩 Have a question for Jake and Cory?

Email Luke directly → luke@falconwealthadvisors.com


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