Tony Robbins relies on social security to blow up US retirees – how to avoid traps
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Famous motivational speaker Tony Robbins warns that the most popular approach to social security is also the most dangerous.
On his blog, he says he relies on the program as the basis of your retirement plan is “disaster recipes.”
Why Robbins encourages people to look beyond this safety net and why there are growing numbers of working-age Americans already leaning towards alternative strategies.
For most Americans over the age of 65, the average monthly social security benefit of $2,000 is not sufficient. Data from the Consumer Expense Survey (CE) program shows that retired households spend more than twice as much each month.
The sustainability of the program is also questionable. This means that future retirees may see even lower benefits. The assets in the trust fund are expected to run out by 2033, according to the Social Security Administration (SSA), but the tax cuts proposed by the Trump administration could drain funds in just six years, according to Mark Goldvine for the liability budget.
In other words, Social Security may not be a solid foundation for your retirement plan.
“It’s time to get your head out of the sand, do a simple number of crunches and find out where you are and where you are,” Robbins wrote in a blog post.
Robbins encourages working-age Americans to make eggs for their nest. Instead of relying on social security, we recommend starting to build an independent retirement fund as soon as possible.
Robbins recommends targeting savings of about 20 times the annual cost. This can be combined with a 4% withdrawal rule. This means that 4% of these assets can be safely used to adjust for inflation and meet the cost of living without running out of funds over the long term.
It is important to start investing early and frequently to reach that level of saving.
The key to building a robust portfolio in the long term is spreading wealth across a variety of asset types. As you approach retirement, you often have to sell your assets to maintain your lifestyle.
But if all of your investments are in a single stock and the stock is declining when you want to retire, what do you do? Therefore, diversification is important.
The stock market was seen in 2025 as it is driven in part by US tariff negotiations, due to a combination of geopolitical uncertainty and changing economic priorities.
This is one reason why it is worth considering inflation-resistant investments for retirement, such as gold. This precious metal is usually more stable than stocks during a slump or recession. In April 2025, Gold violated the benchmark of $3,000 per ounce. Additionally, JP Morgan Chase predicts that gold could surge to $4,000 per ounce in 2026.
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One option to take advantage of gold growth potential while ensuring tax benefits is Priority Gold.
Gold IRAs allow investors to hold physical gold or gold-related assets within their retirement accounts, thereby combining the tax benefits of the IRA with protective benefits against the economic uncertainty of investing in gold. When making a qualifying purchase with Priority Gold, you can receive it Up to $10,000 with free silver.
According to a Deloitte survey, 89% of wealth managers believe that art and collectibles should be part of the wealth management offering. This may be a sign that this physical asset is worth considering as part of your retirement strategy.
This market has traditionally been an ultra-rich territory, but now you don’t need to be an arts expert to take advantage of this asset class.
Platforms like Masterworks Simplify the art investment process and make everyday investors more comfortable. Buy fractional strains of blue chip artwork From iconic artists such as Picasso, Basquiat and Banksy. Like blue chip stocks, these are works of art that tend to increase in value over time. This makes it easier to diversify your portfolio without the complexity and cost of managing your own art investments.
Through 23 exits so far, investors have achieved representative annual net income, such as 17.6%, 17.8% and 21.5% of assets held for more than a year. You can get VIP access Skip the waitlist here.
Then there’s real estate. For most people, this means buying a home, but now there is a way to collect a substantial down payment and invest without taking on a mortgage.
For example, upon arrival, you can invest in rental housing or vacation rentals and screen for gratitude and potential income.
Supported by world-class investors like Jeff Bezos, It’s easy to arrive These properties will fit into your investment portfolio regardless of your income level. Their Flexible investment amount The simplified process allows investors to take advantage of this inflation hedging asset class without any additional work.
For certified investors, Home Share It provides access to the $34.9 trillion US home equity market, which has historically been an exclusive playground for institutional investors.
The minimum investment is $25,000, and investors are Houses occupied by hundreds of owners There is no headache in the buying, owning and managing assets in top cities in the US through US home equity funds.
With risk-adjusted target returns ranging from 14% to 17%, this approach provides an effective way of handoffs to invest in residential properties occupying owners across the regional market.
This article is for information only and should not be construed as advice. It is provided without warranty of any kind.
