One Minute Retirement Tip with Ashley

This week on the Retirement Quick Tips podcast, I'm talking about what to consider if you're contemplating selling your home and moving in 2026.

This week on the Retirement Quick Tips podcast, I'm talking about what to consider if you're contemplating selling your home and moving in 2026.  Today, I'm talking about how problems in the housing market aren't going to disappear overnight. I think mortgage rates coming down may temporarily improve the problem but making houses a bit more affordable, but housing prices need to come WAY down for the market to normalize.

This week on the Retirement Quick Tips podcast, I'm talking about what to consider if you're contemplating selling your home and moving in 2026.  Today, I'm talking about the golden handcuffs of the 3% mortgage and why those are starting to come off for many people.

This week on the Retirement Quick Tips podcast, I'm talking about what to consider if you're contemplating selling your home and moving in 2026.  Today, I'm talking about why mortgage rates are likely to move lower in a meaningful way this year and why that might be the catalyst to unfreeze the housing market.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, we're exploring the question: Is 2026 the Right Time to Sell Your Home?

It's Sunday and I'm wrapping up the week by summarizing this week's theme: The Worst IRA Mistakes To Avoid In case you missed any episodes this week, here's what we covered.

This week on the Retirement Quick Tips podcast, I'm talking about the worst IRA mistakes to avoid.  Today, I'm talking about making the wrong decisions with your RMDs.

This week on the Retirement Quick Tips podcast, I'm talking about the worst IRA mistakes to avoid.  Today, I'm talking about another common mistake I see people make - no strategy for inherited IRA distributions.

This week on the Retirement Quick Tips podcast, I'm talking about the worst IRA mistakes to avoid.  Today, I'm talking about accumulating too much money in tax-deferred accounts.

This week on the Retirement Quick Tips podcast, I'm talking about the worst IRA mistakes to avoid.  Today, I'm talking about: Ignoring Roth In Favor of a Tax Break Today

This week on the Retirement Quick Tips podcast, I'm talking about the worst IRA mistakes to avoid.  Today, I'm talking about: Missing Opportunities To Contribute To Your IRA

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you: The Worst IRA Mistakes To Avoid

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you: a recap of 2025 and a brief guide for investors in 2026. I'll talk about what you might expect from the economy, and the stock and bond markets.  Normally I do this in daily episodes, but this week I have lost my voice due to a cold, so I'll spare you the daily episodes and cram it all into one episode this week. 

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Get Financially Stronger in 2026 – A Step By Step Guide In case you missed any episodes this week, here's what we covered:

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm talking about an expense that most people don't have the courage to really scrutinize - their housing expenses.

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm talking about boosting your retirement savings in 2026.

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm talking about getting out of the car debt hamster wheel.

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm talking about becoming allergic to credit card debt.

This week on the Retirement Quick Tips podcast, I'm sharing with you how to get financially stronger in 2026. A step by step guide to reaching financial independence or making the most progress in that direction in 2026.  Today, I'm sharing with you the first step you must take on the road to getting financially stronger this year: getting enough money in savings for emergencies and planned expenses.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you: How to Get Financially Stronger in 2026 – A Step By Step Guide  I'll talk about a step-by step guide to help you focus on the RIGHT things to improve your financial health in 2026.

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

Welcome to The Retirement Quick Tips Podcast, your guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week I'm sharing with you the best and most popular episodes of the year.  I'm bringing back everything from the ideal withdrawal rate in the first year of retirement, to the worst investments for retirees, to how not to let money ruin the trip when traveling with friends.  If you're new to the podcast - Hi there! I'm a financial advisor and co-owner of True North Retirement Advisors. For the last 18 years, I've helped my clients navigate the challenges and incredible opportunities of retirement….and this podcast is dedicated to helping you do the same!  Thanks for joining me this week! I'll be back with new episodes on Monday, January 5th. If you know someone who would be interested in the podcast, share the show! And if you have a burning question about your own retirement, check out my website - truenorthra.com - there you can book a free 15-minute call with me about anything on your mind regarding your retirement.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: What Didn't Make the Podcast in 2025 (But Almost Did) In case you missed any episodes this week, here's what we covered.

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today, I'm sharing with you the 401k mistake that I see time and time again. Most people don't realize they're making this mistake, but hopefully once it's on your radar, you'll never make this mistake ever again.

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today, I'm addressing a topic in the moneyist column on Market Watch. Think Ann Landers, but money instead of life problems.

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today, I'm sharing with you an article from the WSJ from Nov 9th: Feeling Great About the Economy? You Must Own Stocks

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today's episode is actually a comment from one of my YouTube videos that I think is an important one to address:  What is a good age to start de-risking in general, in your opinion? Retiring at 55 to 6

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today, I'm sharing with you an article from Investopedia - The Shocking Number of Rich People Who Live Paycheck to Paycheck

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you: What Didn't Make the Podcast in 2025 (But Almost Did) A collection of interesting topics that didn't quite make the cut for a full weekly theme, but still interesting and useful enough to share here on the podcast.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Year-End Financial Checklist 2025 In case you missed any episodes this week, here's what we covered.

This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about cleaning up your accounts and doing a little housekeeping before the end of the year.

This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about projecting your income for taxes and 2026 planning.

This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about reviewing your allocation to stocks and rebalancing

This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about checking your retirement contributions for the year to see if you're on track. 

This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about tax loss harvesting. If you have taxable investment accounts, you'll want to look closely at your gains and losses for the year.

Welcome to The Retirement Quick Tips Podcast, your daily guide to preparing for and living your best retirement. I'm your host Ashley Micciche, and this week, I'm sharing with you a Year-End Financial Checklist for 2025.  A handful of things to check off your list before the end of the calendar year, including making sure you're on track for your retirement contributions, assessing where you're at financially, and tax harvesting in taxable investment accounts.

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Why Most Americans Never Become Wealthy  In case you missed any episodes this week, here's what we covered.

This week on the Retirement Quick Tips podcast, I'm talking about why most Americans never reach financial independence and become wealthy.  Debt and spending decisions that start in early adulthood, and patterns of debt accumulation and never getting out of that hamster wheel is why most americans never reach financial independence or build enough wealth to get there.  A few weeks ago, I spoke to a class of high schoolers taking an elective on personal finance, and this is the alterative path I offered to them that will help make financial independence more likely.  Ok, first of all - as I said earlier this week: Follow the old nursery rhyme: 1st comes love, then comes marriage, then comes the baby in the baby carriage. Don't deviate from this path. Get married, then have kids. And stay married.  Beyond that, here's the path for someone seeking financial independence that I laid out and would recommend to every single teenager contemplating life after high school and wanting to get started right:   

This week on the Retirement Quick Tips podcast, I'm talking about why most Americans never reach financial independence and become wealthy.  So far this week, I've talked about the typical path that many Americans take that set them up for failure when it comes to reaching financial independence: Taking on student loan debt (average repayment = $500+ a month for 10+ years)  Buying a car (2nd highest expense for young people behind housing. Average monthly car payment for Gen Z today = $577). For many, it's not unusual to carry car payments of $1000 or more. Average credit card debt is $6700 at 23% interest - another few hundred a month in paying it off.    Then we come to the biggest expense - housing. The median monthly mortgage payment for U.S. homebuyers today is currently $2,259. That reflects today's higher interest rates and higher home prices. It's not surprising then that the average age of first-time homebuyer is 38. For many of you listening, you bought your first house when you were in your late 20s or early 30s. Today's first time homebuyers are now middle aged.