One Minute Retirement Tip with Ashley

Laid Off 2 Years Before Retirement? Here's What to Do

Play Episode Listen Later Feb 23, 2026 26:16

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 talking about what to do if you're laid off right before retirement. You planned to work another couple years, but you got your pink slip instead. What do you do when your timeline for retirement is completely upended? This week's theme is just a single episode, so if you're listening on Alexa, be sure to listen online or on another platform for the complete, unedited version of this week's episode. And if you're new to the podcast - welcome! I'm a financial advisor and co-owner of True North Retirement Advisors. For the last 18 years, I've helped my clients make a plan and build wealth for a confident and fulfilling retirement, and this podcast is dedicated to helping you do the same! In the last couple months, I've had 2 clients who were laid off only a couple years from their retirement. One after working at the same employer for the last 40 years. It's a scary time filled with a lot of questions - do I need to find another job? Will anyone hire me at this age? Can I afford to retire earlier than I expected? So in today's episode, I'm going to walk you through the steps to take if you find yourself unexpectedly laid off in the crucial couple of years before retirement. So let's get into it…

retirement laid off ashley micciche true north retirement advisors

Gen X vs. Boomers: Why Retirement Will Look Very Different From Now On | Recap

Play Episode Listen Later Feb 22, 2026 5:16

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

retirement gen x boomers

Why Gen X Will Retire Differently Than Boomers

Play Episode Listen Later Feb 21, 2026 8:27

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. Today, I'm talking about how Gen X as they embark on retirement. The oldest Gen Xers are already 60, and getting close to retirement. Some are already retired.

retire gen x boomers gen xers

How Gen X Saves & Spends In 2026

Play Episode Listen Later Feb 20, 2026 6:43

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. Today, I'm talking about Gen X's saving and spending habits.

saves gen x spends

The Money Divide Between Boomers & Gen X

Play Episode Listen Later Feb 19, 2026 4:47

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. Today I'm talking about a few key differences between Boomers and Gen X that help define how they view and relate to money - particularly as Gen X approaches retirement.

money divide gen x boomers

The Events That Forever Changed Gen X's Financial Path

Play Episode Listen Later Feb 18, 2026 8:31

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. While Boomers love to talk about the assassination of JFK and the landing on the moon and can tell you exactly where they were and what they were doing during both events, Gen X remembers the Challenger exploding, the LA riots, and the suicide of Kurt Kobain. The defining economic event that shaped Gen X's financial path was the dot com bust. Younger Gen Xs were just finishing school and launching their careers in the late 1990s and early 2000s, while older Gen Xs ers - 35 years old at this time, were now well established.

events financial john f kennedy gen x challenger forever changed kurt kobain

The "Whatever" Generation's Formative Years

Play Episode Listen Later Feb 17, 2026 4:25

This week on the Retirement Quick Tips podcast, I'm breaking down the generational differences between Gen X & Boomers. These two generations approach money very differently, and those differences have a big impact on how they save, plan for retirement, and ultimately live in retirement. If Gen X had a one word motto it would be: whatever. It's not that they don't care, it's that they've had to roll with so many punches since childhood, that they've learned to be self-sufficient and largely cautious about institutions.

generation gen x boomers formative years

Gen X vs. Boomers: Why Retirement Will Look Very Different From Now On

Play Episode Listen Later Feb 16, 2026 5:12

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 differences between Gen X & Boomers when it comes to planning for and living in retirement. For my entire career as a financial advisor, I've been focused on working with boomers, as the great wave of retiring baby boomers had just started 18 years ago when I became an advisor. But fast forward to today, and the oldest boomers, born in 1946 turn 80 this year, and the youngest of boomers, born in 1964, are now 62 (the most common retirement age for someone in the US) and eligible for social security. The vast majority of baby boomers are retired, and the next wave of retirees - Gen Xers are in the homestretch to retirement. Born between 1965 & 1980, Gen Xers are now in the homestretch to retirement. So this week, I'll talk about how these generational differences shaped how & why retirement will look differently for them

retirement gen x boomers gen xers ashley micciche

Retiring in 2026? Don't Miss These Critical Financial To-Dos - PART 2 | Recap

Play Episode Listen Later Feb 15, 2026 1:51

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Retiring in 2026? Don't Miss These Critical Financial To-Dos In case you missed any episodes this week, here's what we covered.

financial retiring

Retiring in 2026? Avoid These Retirement Tax Traps

Play Episode Listen Later Feb 14, 2026 6:46

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about some of the key tax traps to avoid if you can, and at the very least, pay attention to and familiarize yourself with before retirement.

retirement retiring traps

Retiring in 2026? Simplify Your Finances

Play Episode Listen Later Feb 13, 2026 4:22

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about the importance of simplifying your finances as you get close to retirement.

finances simplify retiring

Retiring in 2026? Plan Your Retirement Ideal Schedule

Play Episode Listen Later Feb 12, 2026 7:55

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about thinking through your ideal schedule in retirement.

retirement ideal retiring

Retiring in 2026? Revisit Your Investment Strategy

Play Episode Listen Later Feb 11, 2026 8:27

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about revisiting your investment strategy before retirement.

strategy retiring investment strategies

Retiring in 2026? Boost Your Emergency Savings

Play Episode Listen Later Feb 10, 2026 4:23

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about boosting your emergency savings.

emergency boost savings retiring

Retiring in 2026? Don't Miss These Critical Financial To-Dos - PART 2

Play Episode Listen Later Feb 9, 2026 3:11

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: Retiring in 2026? Don't Miss These Critical Financial To-Dos - part 2 Last week I talked about my top five most important items to check off your pre-retirement checklist before you get that gold watch (if you're younger than me, you don't even understand that reference!) This week I'm talking about 5 more critical steps to take.

financial retiring ashley micciche

Retiring in 2026? Don't Miss These Critical Financial To-Dos | Recap

Play Episode Listen Later Feb 8, 2026 2:30

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Retiring in 2026? Don't Miss These Critical Financial To-Dos In case you missed any episodes this week, here's what we covered.

financial retiring

Retiring in 2026? Consider Moving Sooner, Not Later

Play Episode Listen Later Feb 7, 2026 6:58

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about considering a move in retirement, to downsize, or should I say right size. The most important consideration here is to plan ahead so you can live somewhere where you can age in place.

moving retiring sooner

Retiring in 2026? Get Rid of ALL Debt

Play Episode Listen Later Feb 6, 2026 5:14

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about getting rid of all debt before retirement.

debt retiring

Retiring in 2026? Make a Social Security Filing Game Plan

Play Episode Listen Later Feb 5, 2026 4:07

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about making a social security filing game plan.

social security retiring game plan filing

Retiring in 2026? Create a Retirement Spending Budget

Play Episode Listen Later Feb 4, 2026 8:49

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year. Yesterday, I talked about figuring out if you can afford to retire. Today, I want to spend more time discussing how to create a retirement spending budget.

budget retiring retirement spending

Retiring in 2026? Make Sure You Can Afford To Retire

Play Episode Listen Later Feb 3, 2026 9:13

This week on the Retirement Quick Tips podcast, I'm covering the essential list of to-dos if you're planning to retire this year, or frankly, anytime in the next couple of years. Today, I'm talking about the most critical box to check if you're planning to retire this year: make sure you can actually afford to retire

retire retiring afford make sure

Retiring in 2026? Don't Miss These Critical Financial To-Dos

Play Episode Listen Later Feb 2, 2026 2:51

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: Retiring in 2026? Don't Miss These Critical Financial To-Dos

financial retiring ashley micciche

Is 2026 the Right Time to Sell Your Home? | Recap

Play Episode Listen Later Feb 1, 2026 6:10

It's Sunday and I'm wrapping up the week by summarizing this week's theme: Is 2026 the Right Time to Sell Your Home? In case you missed any episodes this week, here's what we covered.

right time sell your home

Move Sooner. Don't Kick the Can Down The Retirement Road

Play Episode Listen Later Jan 31, 2026 8:30

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.

retirement kick sooner

3 Most Important Factors To Consider For a Move in 2026

Play Episode Listen Later Jan 30, 2026 9:03

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.

factors

Problems with Housing Aren't Going Away

Play Episode Listen Later Jan 29, 2026 6:04

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.

housing going away

The Golden Handcuffs Are Coming Off

Play Episode Listen Later Jan 28, 2026 5:00

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.

coming off golden handcuffs

Prices Still Unaffordable, But Rates Are Coming Down

Play Episode Listen Later Jan 27, 2026 7:46

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.

prices rates unaffordable

Is 2026 the Right Time to Sell Your Home?

Play Episode Listen Later Jan 26, 2026 2:56

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?

right time sell your home ashley micciche

The Worst IRA Mistakes To Avoid | Recap

Play Episode Listen Later Jan 25, 2026 5:37

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.

mistakes

The Worst IRA Mistakes To Avoid: Making The Wrong RMD Decisions

Play Episode Listen Later Jan 24, 2026 5:03

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.

mistakes decisions rmds avoid making

The Worst IRA Mistakes To Avoid: No Strategy for Inherited IRAs

Play Episode Listen Later Jan 23, 2026 7:16

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.

strategy mistakes inherited iras

The Worst IRA Mistakes To Avoid: Accumulating Too Much In Tax-Deferred Accounts

Play Episode Listen Later Jan 22, 2026 7:27

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.

mistakes accounts deferred accumulating

The Worst IRA Mistakes To Avoid: Ignoring Roth In Favor of a Tax Break Today

Play Episode Listen Later Jan 21, 2026 5:57

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

mistakes favor ignoring roth tax breaks

The Worst IRA Mistakes To Avoid: Missing Opportunities To Contribute To Your IRA

Play Episode Listen Later Jan 20, 2026 6:50

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

opportunities mistakes missing

The Worst IRA Mistakes To Avoid

Play Episode Listen Later Jan 19, 2026 2:30

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

mistakes ashley micciche

Your 2026 Guide To Investing

Play Episode Listen Later Jan 12, 2026 12:21

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.

guide investing ashley micciche

Get Financially Stronger in 2026 – A Step By Step Guide | Recap

Play Episode Listen Later Jan 11, 2026 4:18

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:

stronger financially step by step guide

Get Financially Stronger in 2026: Scrutinize Your Biggest Expense

Play Episode Listen Later Jan 10, 2026 7:56

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.

stronger financially expense

Get Financially Stronger in 2026: Boost Your Retirement Savings

Play Episode Listen Later Jan 9, 2026 5:07

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.

boost stronger financially retirement savings

Get Financially Stronger in 2026: Get Off the Car Debt Hamster Wheel

Play Episode Listen Later Jan 8, 2026 6:42

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.

debt stronger financially get off hamsters hamster wheel

Get Financially Stronger in 2026: Become Allergic to Credit Card Debt

Play Episode Listen Later Jan 7, 2026 8:07

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.

stronger credit cards financially allergic credit card debt

Get Financially Stronger in 2026: More Emergency Savings!

Play Episode Listen Later Jan 6, 2026 8:36

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.

emergency stronger savings financially

Get Financially Stronger in 2026 – A Step By Step Guide

Play Episode Listen Later Jan 5, 2026 2:37

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.

stronger financially step by step guide ashley micciche