Brad breaks down a retirement strategy that helps you stop worrying about outliving your money. He introduces the *floor and upside income strategy*—a simple yet powerful approach that combines guaranteed income sources like Social Security and annuities (the “floor”) with growth-oriented investments (the “upside”) to create both stability and flexibility in retirement. Through a real-life example of a couple from Springfield, Brad shows how this method can cover essential expenses while still allowing for growth, travel, and legacy planning.