Recession talk is back for 2026—it may not be in every headline, but the odds aren’t at zero percent. You need to be prepared for the scenario of a possible recession.Key Points Covered:

• Emergency Funds --- Start by building (or topping off) an emergency fund that covers three to six months of living expenses.
• Picking the Right Budgeting System – Whether old or new, using a budgeting system can help consolidate while keeping stress away.
• Configure your Financial Portfolio – Strategies to ensure your financial portfolio remains in a strong position.

---

Listen to the radio show every Saturday morning at 8am CST --- WCOA News Talk 104.9 FM and 1370 AM

Listen to Previous Episodes:

https://retirementpipeline.com/podcast

Subscribe to the show’s YouTube channel:

www.youtube.com/@retirementplanningpipeline

---

Connect with Charles “David” Pipes:

Phone --- 850-565-1705

Email --- Charles.Pipes@Amerilifeagent.com

Website --- https://retirementplanningpipeline.com/

LinkedIn --- https://www.linkedin.com/in/charles-pipes

Connect with Steve Zareck:

Phone --- 850-565-1705

Email --- szareck@amerilife.com

Website --- https://retirementplanningpipeline.com/

LinkedIn --- https://www.linkedin.com/in/steve-zareck-53b443b1

---

Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years.

Steven Zareck is a trusted independent retirement specialist and Market Leader for AmeriLife, serving clients across the Florida Panhandle, Southern Alabama, Georgia, and Tennessee. With over 30 years of experience in the retirement planning space, Steve brings a wealth of knowledge and a deep understanding of the financial needs of retirees. Backed by a degree in Economics, Steve applies a strong foundation in economic principles to help clients navigate complex financial decisions with clarity and confidence. His deep economic insight allows him to craft retirement strategies that are both practical and resilient in the face of changing market conditions.