Reference:
https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/out-sight-out-market-ira-cash-drag.html?utm_source=chatgpt.com
Vanguard’s latest research revealed something shocking: most people over 55 are saving completely wrong.
It’s called the IRA Cash Trap — and it’s quietly destroying retirements across America.
In this video, Adam Olson, CFP®, breaks down:
✅ The billion-dollar blind spot Vanguard discovered that’s costing retirees hundreds of thousands.
✅ Why so many 401(k) rollovers end up sitting in cash — and how to find out if yours is too.
✅ A real-life story of “Joe and Deb,” who thought they were ready to retire… until they realized over $200,000 was sitting uninvested.
✅ How to immediately verify your IRA and fix this cash drag before it costs you years of growth.
✅ The Red Zone Retirement Planning process — how we help clients over 55 consolidate accounts, eliminate confusion, and build a confident retirement income plan.
💡 Here’s what you’ll learn:
Why IRAs don’t auto-invest like 401(k)s
How to spot the “settlement fund trap”
The real cost of leaving cash idle from 55 to 65
How to turn fear into a structured plan for retirement income
📘 FREE Resource
Comment “BOOK” below for a free copy of The Red Zone Retirement Plan
or
🎯 Click here to get a personalized retirement video analysis from Adam:
👉 adamolson.com
🧩 Chapters
00:00 Intro — Vanguard’s Warning
01:42 The IRA Cash Trap Explained
04:10 The Awareness Problem
07:55 Joe & Deb’s Story
11:20 The True Cost of Cash Drag
13:45 How to Verify Your IRA
15:30 Fixing It With Red Zone Retirement Planning
17:45 Final Call To Action