Quick coffee break tip: Not all retirement accounts are the safety nets they used to be. Pensions are disappearing, Social Security might shrink, and even your 401(k) could be riskier if it’s loaded with company stock or high fees. CDs and target-date funds aren’t foolproof either. The big money lifehack? Don’t set it and forget it—check your accounts yearly and spread your savings around. Your future self will thank you! #Business #MakeMoney #RetirementPlanning