Most people think retirement plans fail because of bad math or poor investment choices. The reality is far more uncomfortable: most failures stem from blind spots you can’t see in a spreadsheet. Your software might show a 99% success rate, but that doesn’t mean your plan can survive real-world stress, unexpected tax traps, or the messy situations life throws at you.

There’s a simple test—borrowed from software engineering—that exposes these hidden risks in minutes. It forces you to articulate your strategy out loud, revealing gaps, contradictions, and false assumptions you’d never catch by clicking through projections. In today’s breakdown, we’ll walk through how this “rubber duck test” works, why it’s so effective, and how a $3 tool can prevent six-figure mistakes in retirement.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures