Your Stress Is Not the Market—It Is Your Plan: IRMAA Surprises, Lazy Advisors, and Hidden Risk

If watching the market makes you feel like your future is on the line, that is not normal. It is a warning sign. In this episode, Logan Marcus and Don Spini break down why stress around your money is not emotional—it is structural. Too much risk, no income strategy, and portfolios built without purpose leave people exposed. They cover why advisors often stop advising when markets are calm, how retirees end up pulling income from down accounts, and why that creates long-term damage. They also explain the IRMAA trap—how a strong income year can quietly raise your Medicare premiums—and why lack of coordination across your financial strategy can cost you thousands. Because the real problem is not the market. It is the structure behind your money.