Resources mentioned: go to www.iraarmor.com/quiz and www.iraarmor.com for more information.
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Welcome back to The IRA Armor Podcast! I’m your host, Jack Gallegar, and I’m here to help you shield your retirement from the chaos of markets, inflation, and uncertainty. Today’s episode is a big one, folks: “Are You Making These 5 Deadly Mistakes with Your Retirement? Gold Can Fix Them!” We’re diving deep into the traps that could derail your financial future and how gold—yes, that shiny metal—can be your secret weapon to fix them.
Listen, it’s a serious question… are you worried about your retirement savings? With inflation soaring and markets swinging, it’s no wonder folks are looking for stability. That’s where gold comes in, and our friends at IRA Armor have made it easier than ever to protect your wealth. Head over to IRAArmor.com/quiz right now and take their quick, free quiz. In just a few minutes, you’ll be matched with a top gold IRA company that aligns with your financial goals. No guesswork, no hassle—just a plan to safeguard your future. That’s IRAArmor.com/quiz. Don’t wait—secure your retirement today!
Alright, let’s get into it. Retirement planning is tough, right? You’ve worked hard your whole life, socked away money in your 401(k) or IRA, and you’re counting on that nest egg to carry you through your golden years. But here’s the hard truth: most people are making huge mistakes with their retirement savings—mistakes that could leave them broke, stressed, or worse.
Today, we’re breaking down the five deadly mistakes I see over and over again, and I’m going to show you how adding gold to your retirement portfolio can fix them. Gold isn’t just for pirates or doomsday preppers—it’s a proven asset that’s been protecting wealth for centuries. Stick with me, and I’ll show you why it’s a game-changer.
Let’s start with Mistake #1: Putting All Your Eggs in One Basket.
If your retirement is 100% tied up in stocks, bonds, or mutual funds, you’re playing a dangerous game. The stock market? It’s a rollercoaster. Just look at the crashes of 2008 or the COVID dip in 2020. Bonds aren’t much safer—rising interest rates can tank their value. And don’t get me started on inflation eating away at your returns.
Diversification is the name of the game, folks. If your portfolio is all paper assets, you’re one market crash away from disaster. This is where gold shines—literally. Gold isn’t tied to the stock market. When stocks crash, gold often holds steady or even climbs. It’s like an insurance policy for your wealth.
Let’s talk about Bob, a 62-year-old retiree we heard from last month. Bob had 90% of his savings in a stock-heavy 401(k). When the market dipped last year, he lost $150,000 almost overnight. If Bob had allocated just 10-20% to gold, his portfolio would’ve taken a much smaller hit.
Fix It with Gold: A gold IRA lets you hold physical gold in your retirement account. It’s tax-advantaged, just like a traditional IRA, but it’s backed by something real—not just promises on paper.
Mistake #2 is ignoring inflation. Inflation’s like a silent thief—it sneaks into your wallet and steals your purchasing power. Right now, as of August 2025, inflation’s been hovering around 4-5% annually. That means your money’s losing value every year. If you’re parked in cash or low-yield savings accounts, you’re getting crushed.
Gold? It’s been a hedge against inflation for thousands of years. When the dollar weakens, gold prices tend to rise. Back in the 1970s, when inflation hit double digits, gold prices skyrocketed. Even today, with prices around $2,400 per ounce, gold’s holding strong while cash loses value.
Here’s a Pro Tip: Don’t just buy gold bars and stash them under your mattress—that’s not retirement planning. A gold IRA lets you invest in gold while keeping all the tax benefits of your retirement account.
Hey, folks, let’s talk about peace of mind briefly. With the economy throwing curveballs, protecting your retirement is more important than ever. That’s why I trust IRA Armor to help you get started with a gold IRA. Go to IRAArmor.com/quiz and take their free quiz to find the perfect gold IRA company for your needs. It’s fast, it’s easy, and it’s tailored to your financial goals. Why wait until it’s too late? Visit IRAArmor.com/quiz today and take control of your future.
Ok! Let’s tackle Mistake #3: Not Planning for Taxes. Too many folks think their 401(k) or IRA is their ticket to a tax-free retirement. Wrong! When you start withdrawing from those accounts, Uncle Sam’s waiting with his hand out. Depending on your income, you could lose 20-30% of your withdrawals to taxes.
Gold IRAs can help here, too. With a Roth gold IRA, you pay taxes upfront, but your withdrawals in retirement are tax-free. Plus, gold’s long-term growth potential means you could be sitting on some serious tax-free gains.
Here’s a Listener’s Story: Susan from Texas emailed me last week. She’s 55 and didn’t realize her traditional IRA withdrawals would push her into a higher tax bracket. She’s now rolling over part of her IRA into a Roth gold IRA to lock in tax-free growth. Smart move, Susan!
Mistake #4 is a big one: Waiting Too Long to Act. I get it—planning for retirement feels overwhelming. You tell yourself, “I’ll deal with it next year.” But every year you wait, you’re losing time to build wealth and protect it.
Gold prices have been climbing steadily. In 2000, gold was under $300 an ounce. Today? It’s over $2,400. If you’d invested in gold 20 years ago, you’d be sitting pretty. The good news? It’s not too late. Whether you’re 30 or 60, adding gold to your portfolio now can still make a huge difference.
So here’s an Action Step: Start small. Even a 5% allocation to gold can stabilize your portfolio. And with a gold IRA, you can do it without messing up your retirement plan.
Finally, Mistake #5: Trusting the Wrong Advisors. Not all financial advisors are created equal. Some push risky investments or high-fee funds because they get a commission. Others just don’t understand gold and dismiss it outright.
You need an advisor who gets precious metals and can guide you through setting up a gold IRA. That’s where IRA Armor comes in—they connect you with vetted, top-tier gold IRA companies that prioritize your goals. At IRAArmor.com., we’ve done all the research for you, and you can not only understand exactly why a Gold IRA is a smart choice, but get paired with the top-ranked Gold IRA companies in the world.
But here’s a Warning Sign folks: If your advisor says gold is “too risky” or “not worth it,” get a second opinion. Gold’s track record speaks for itself.
Alright, let’s recap those five deadly mistakes:
- Putting all your eggs in one basket.
- Ignoring inflation.
- Not planning for taxes.
- Waiting too long to act.
- Trusting the wrong advisors.
Gold can fix every single one of these. It’s a hedge against market crashes, inflation, and uncertainty. It’s tax-advantaged in a gold IRA. And with the right guidance, it’s easier to get started than you think.
Folks, as we close today, your retirement deserves armor—armor against inflation, market crashes, and uncertainty. That’s why I’m urging you to visit IRAArmor.com/quiz right now. Their free quiz takes just a few minutes and matches you with a top gold IRA company tailored to your financial goals. Don’t leave your future to chance. Go to IRAArmor.com/quiz and start building a bulletproof retirement today.
That’s it for today’s episode of The IRA Armor Podcast. If you found this helpful, please subscribe, leave us a review, and share this with someone who needs to hear it. Until next time, keep your wealth protected and your retirement secure. This is Jack Gallegar, signing off, with a final reminder to armor up your IRA for your future, and we’re here for you at IRAArmor.com. Take care!
