You Worked Too Hard to Run Out of Money: The Six-Pillar Retirement Blueprint for Protecting Everything You've Built

You worked 30, 40 years to build something. Don't let one gap take it all.Most people near retirement have pieces of a plan — but not a complete one. They have Medicare... but picked the wrong plan. They have Social Security... but claimed too early. They have a home with equity... that no advisor ever talked to them about. And somewhere in the gap between what they have and what they need, they lie awake at night wondering: Will I run out of money?Janine Davis, RSSA, has spent years sitting across from hard-working Detroit-area families who did everything right — and still found themselves one hospital bill, one market drop, or one missed enrollment window away from a retirement crisis. This book is her answer.The Six-Pillar Blueprint covers everything your advisor probably isn't telling you:Pillar 1 – Medicare: The four parts, the enrollment windows, and the mistake that follows you foreverPillar 2 – Social Security: The single most powerful income lever most people never fully use — and the spousal and survivor strategies most agents skip entirelyPillar 3 – Insurance Protection: Life insurance with living benefits, long-term care coverage, and the gap-fillers Medicare won't touchPillar 4 – Home Equity: If you own your home, you have a retirement asset sitting in your walls — here's how to use it wiselyPillar 5 – Guaranteed Income: How a properly structured annuity can turn your savings into a monthly check you can't outlive — no matter what the market doesPillar 6 – Legacy & Estate: Five documents, one beneficiary audit, and a Michigan-specific plan to make sure what you built gets to your family — not probate court This isn't a book about getting rich. It's about protecting what you already have. One gap can undo everything you've built. This blueprint makes sure it doesn't.If you're between 55 and 72, you've worked hard your whole life, and you want a retirement that actually holds together — this book was written for you. Read more