A prominent personal finance expert recently shared their take on retirement savings, and it's worth paying attention to. The bestselling author and respected radio personality highlighted critical gaps in how most people approach their long-term financial planning. Their insight touches on the psychology of saving, realistic asset allocation, and the common mistakes investors make when structuring their retirement portfolios. Whether you're just starting to build wealth or already deep into your accumulation phase, this perspective on retirement security raises important questions about whether traditional savings approaches are actually serving your financial goals.