MDMike Decker

1. Article · Aug 16, 2026 · Mike Decker, NSSA®

   Why Mixing Up Cash Flow and Income Could Cost You Thousands in Retirement (opens the original)

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   Ask a retiree how much income they need, and they'll give you a number. Ask how much cash flow their portfolio generates, and many will give you the same number. Ask what they actually spend, and you'll often get a third answer — or a shrug. That's the problem. These are three different things, and mixing them up can quietly cost money. Here's a breakdown. Cash flow is the movement of money, regardless of tax implications. Become a smarter, better informed investor. Subscribe from just $107.88 $

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2. Article · Jul 6, 2026 · Mike Decker, NSSA®

   The Boy Who Cried 'Bubble': What Can Investors Do If He's Right This Time? (opens the original)

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   You know the story. A boy keeps shouting that there's a wolf, nobody comes, and the one time a wolf actually shows up, he's on his own. For the past several years, financial commentators have been pointing at market valuations and warning that stocks are expensive. And for the past several years, the market has largely ignored them and kept climbing. Past performance may not indicate future returns, but it does skew our expectations. This is especially true right now, because the past 15 years h

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