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Most Americans don’t run out of money in retirement because they didn’t earn enough — they run out because of silent financial mistakes that compound for decades. In this powerful breakdown, Charlie Munger exposes the 10 hidden wealth destroyers that quietly drain retirement accounts, inflate taxes, and leave people vulnerable just when they need security the most. With the Tax Cuts and Jobs Act expiring in 2026, higher tax brackets, reduced deductions, and rising healthcare costs are about to make retirement planning far less forgiving. This video covers: Why your 401(k) is a tax-deferred liability, not guaranteed wealth How rising tax rates in 2026 could erase hundreds of thousands of dollars The biggest portfolio mistake retirees make after strong market years Why claiming Social Security too early can cost you six figures over a lifetime The real cost of healthcare, Medicare IRMAA, and long-term care How high-interest debt silently destroys retirement income Why HSAs are the most underused retirement tool in America How state taxes, lawsuits, and bad advisors quietly drain your net worth These are not complicated strategies — they are simple decisions that separate people who retire confidently from those who struggle financially in their later years. Retirement isn’t about how much you make. It’s about how much you keep. 👉 Call to Action 👍 Like this video if you want smarter retirement planning 📩 Subscribe to Smart Retirement for weekly financial insights 🔁 Share this with someone over 50 who needs to see this 💬 Comment below: Which of the 10 mistakes hit closest to home? 🔖 Hashtags #RetirementPlanning #CharlieMunger #SmartRetirement #WealthBuilding #FinancialFreedom #TaxPlanning #RetireSmart #PersonalFinance