Podcasts about career planning

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

Alumni Aloud Episode 110 Angela LaScala-Gruenewald earned their PhD in English at the CUNY Graduate Center. They are now an Assistant Professor of Legal Studies at the University of Massachusetts,… Read the rest The post Sociology of Punishment (feat. Angela LaScala-Gruenewald) appeared first on Career Planning and Professional Development.

Gugs Mhlungu speaks with Nikki Bush, Resident human potential and parenting expert, about how to guide your children in choosing what to study after matric, navigating a rapidly evolving, technology-driven world full of new career possibilities. Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Gugs Mhlungu speaks with Nikki Bush, Resident human potential and parenting expert, about how to guide your children in choosing what to study after matric, navigating a rapidly evolving, technology-driven world full of new career possibilities. Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Send a textIn this episode, we explore the College of Charleston's Life Design Center and how it helps students move from uncertainty to action through individualized coaching, practical tools, and community support.What You Will LearnWhat the College of Charleston's Life Design Center is and how it helps students build clarity and confidence with practical tools and coaching. Life Design Center How Life Design differs from traditional advising or career planning by focusing on individualized support and real-world experimentation. What students can expect in a first visit, including the kinds of questions coaches ask to help students clarify what they want and what to try next. The difference between Design My Charleston (for early college exploration) and Life Launch: Design My Life (for students preparing for graduation), and how students can start in either place. How to take the first step, including where to find the Life Design Center and when to drop in. Where to go next on campus for degree planning and job or internship preparation, including Academic Advising and the Career Center. Resources from this episode:Life Design 

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the clarity, confidence, and comfort to lean in and rock it.(00:30) Roger introduces week two of the four-part series on health care before Medicare and explains why assumptions about health care costs can shut down curiosity, create false tradeoffs, and delay retirement decisions.PRACTICAL PLANNING SEGMENT(05:05) After last week's sticker shock, Roger shifts the focus to observing health care options before tackling cost mitigation next week.(05:28) Option #1 — COBRA: how continuation coverage works, who qualifies, how long it lasts, and why it can serve as a temporary bridge despite higher costs.(12:35) Option #2 — Affordable Care Act (ACA): marketplace coverage, guaranteed issue for preexisting conditions, plan tiers, and why the system is complex but flexible.(19:46) Option #3 — Part-time employer coverage: using part-time work to access group insurance, earn income, and maintain purpose and social connection.(25:20) Other alternatives, including private non-marketplace plans and health share plans, and why they require caution.LISTENER QUESTIONS(28:19) Joni asks about creating a trust will instead of a straight will, naming her son as beneficiary, and how traditional and Roth IRAs would be distributed under SECURE Act rules.(34:42) Christine asks whether it's possible to anticipate capital gains distributions in open-end mutual funds before year-end.(38:45) Andy shares an observation about Monte Carlo simulations.SMART SPRINT(42:20) Roger encourages listeners to identify and challenge their assumptions about health care and retirement timing.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Send us a textLife Skills: The Missing Curriculum Behind Career SuccessIn this 5-minute episode of The Kapeel Gupta Career PodShow, we explore a truth that is rarely discussed in schools or coaching centres—Most careers don't fail due to lack of intelligence. They struggle due to weak life skills.Life skills are not motivational concepts. They are daily abilities that decide how a person handles stress, failure, uncertainty, and decision-making.In this episode, I talk about:Why life skills matter more when life gets difficultThe hidden reason talented students underperformHow emotional strength supports career clarityWhy consistency often beats raw intelligenceBased on years of working with students, parents, and professionals, this episode explains why career success is not just about qualifications—but about inner capability.This podcast is for anyone who feels capable yet stuck, intelligent yet overwhelmed, or motivated yet inconsistent.

The Career Planning Process is something a lot of us, even successful professionals, sometimes skip or get wrong. We often hope our careers will just work themselves out, but years can go by without a real plan. This can lead to feeling stuck, frustrated, or like something important is missing when things don't move forward.In this episode, you'll discover how to see Career Planning not as a strict map, but as a flexible guide you can return to again and again. Our warm and insightful host, CEO Porschia, chats with the wonderful career coach Cassie Spencer. They dive into why being intentional with your career path truly matters for your happiness, growth, and success down the road.They also talk about finding the sweet spot between having a plan and welcoming happy accidents. They show how being reflective, taking action, and staying open can actually create your own lucky breaks. The conversation points out common missteps we all make in career planning and shares heartfelt, practical ways to check if your job, your company, and your bigger dreams are still in harmony.Click here for full show notes and to learn more:   https://www.fly-highcoaching.com/career-planning-process Check out the master class Career 911: Solving the Top 5 Challenges Executives and Professionals Have: https://go.fly-highcoaching.com/offer-c911 

Roger Whitney kicks off a month-long series on navigating health care before Medicare, introducing Cerberus—the three-headed dog of Greek mythology—as a framework for understanding the biggest challenges retirees face when leaving employer-sponsored coverage. He breaks down the three heads of Cerberus, answers listener questions about retirement planning, and shares recent book recommendations from himself and the team.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the Cerberus framework and outlines the four-week series on health care before Medicare.HEALTH CARE BEFORE MEDICARE: THE THREE HEADS OF CERBERUS(02:20) Roger explains why retiring before Medicare requires a strategy and introduces the three “heads” of the health care Cerberus.(03:11) “Head” #1: The true cost of health care without an employer subsidy and why it creates sticker shock in retirement, especially when paid from pre-tax accounts.(10:50) “Head” #2: Coverage challenges, including narrower networks, fewer plan options, and the potential loss of trusted doctors and specialists.(15:13) “Head” #3: Increased complexity in choosing plans, managing care, and navigating ACA subsidies based on modified adjusted gross income.LISTENER QUESTIONS & OBSERVATIONS(19:20) Roger responds to listener questions about saving discipline, the 4% rule, geographic cost differences, values-based planning, and how taxes are modeled in retirement case studies.SMART SPRINT(33:00) Roger encourages listeners to review the health care assumptions in their retirement plan, especially for those retiring before Medicare age.WHAT'S ON THE BOOKSHELF(34:14) Roger and the team share recent book recommendations, including history, personal finance, purpose, habits, and wealth.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

Elizabeth Goetz earned her PhD in English at the CUNY Graduate Center. She is now a high school teacher in the New York City Department of Education. The post English in the NYC DOE (feat. Elizabeth Goetz) appeared first on Career Planning and Professional Development.

As the Retirement Plan Live series wraps up, Roger Whitney shares wisdom from retirees further along the path to help Henry and Lucy think beyond the numbers. Listeners in their 50s, 60s, and 70s reflect on purpose, work, health, money, and joy—offering perspective on what really matters when retiring early. Roger closes with his own observations from decades of coaching, a Smart Sprint focused on learning from others, and listener-submitted words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(01:33) Two announcements: next month starts a healthcare-before-Medicare series and the listener survey in The Noodle is coming soon.WISDOM FROM RETIREES FURTHER ALONG(03:41) Roger reads listener reflections from retirees further along, sharing lessons on purpose, work, health, flexibility, and building a meaningful retirement.ROGER'S OBSERVATIONS (12:54) Roger shares his observations from decades of coaching on what leads to a fulfilling retirement, including permission, projects, community, service, and avoiding distraction or scarcity thinking.SMART SPRINT(22:12) Identify one challenge you're facing and talk with someone who has already walked that path—before turning to books or the internet.LISTENER WORDS FOR THE YEAR(25:10) Roger shares listener words for the year and the personal meaning behind them.RESOURCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

As the Retirement Plan Live case study continues, Roger Whitney helps Henry and Lucy move from dreaming to feasibility, organizing the real financial resources available to support an early retirement in their 40s. This episode centers on trade-offs, confidence, and the reality of giving up earned income decades early. Roger and the couple walk through income assumptions, assets, and risk tolerance before closing with listener advice, a Smart Sprint, and words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence and comfort to lean in and rock retirement.(00:27) Roger introduces Week 3 of the Retirement Plan Live case study with Henry and Lucy.(02:15) What are Henry and Lucy giving up to retire early?RETIREMENT PLAN LIVE(05:00) Roger asks Henry and Lucy if they pick a word of the year.(06:05) Henry and Lucy reflect on why retiring even one year earlier feels uncomfortable without proof.(10:50) Review of Social Security assumptions and why it's excluded from their base plan.(14:13) Confirmation that the plan assumes no earned income after retirement.(20:40) Overview of after-tax assets, cash buckets, and sinking funds.(26:20) Review of retirement accounts, savings rates, and long-term strategy.(31:30) Home equity, college savings, and inheritance assumptions.(33:40) Clarifying the goal for the after-tax bridge bucket.ADVICE FROM A RETIREE(38:39) Listener Bonnie shares an alternative approach using sabbaticals and flexible work.(41:10) Roger reflects on optionality, skill relevance, and maintaining professional networks.SMART SPRINT(42:30) Roger encourages listeners to organize or update their net worth statement.WORD FOR THE YEAR(43:40) Listener Alex shares his word for the year: Healing.(45:10) Listener Valerie shares her word for the year: Minimize.REFERENCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

As the Retirement Plan Live case study continues, Roger Whitney helps Henry and Lucy articulate what they want their FIRE retirement to actually look like—starting with values, dreaming without constraint, and then translating that vision into concrete goals. Along the way, Roger shares wisdom from older retirees about purpose, productivity, and flexibility, invites listeners to reflect on their own “magic,” and closes with a Smart Sprint and listener-submitted words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence and clarity to lean in and rock it.(00:23) Roger previews today's focus: Henry and Lucy's retirement goals, advice from seasoned retirees, a Smart Sprint, and listener words for the year.(01:00) Roger explains why retirement planning should begin with dreaming big—starting with “everything” before testing feasibility.RETIREMENT PLAN LIVE(03:25) Henry and Lucy walk through their core values and how those values shape their vision for retirement.(05:55) Roger reviews and discusses Lucy's top ten values.(09:29) Henry talks about his top values.(11:40) Roger reflects on whether retiring early means “burying” one's gifts, and considers how purpose and contribution can take many forms beyond traditional work.(13:44) Roger talks through Henry and Lucy's goals for retirement and their budget for a great base life.(19:47) Lucy breaks down her thought process on her great base life budget.(23:00) Henry weighs in with his thoughts on their great base life.(24:05) They review discretionary goals such as travel, a camper van, hobbies, and future family commitments.(27:55) Lucy and Henry talk about aspirational wishes.(35:00) Lucy talks about how they react during uncertain times.WISDOM FROM RETIREES FURTHER ALONG(41:41) Listener Mike shares why he chose “FILE” (Financially Independent, Living Early) instead of full FIRE, emphasizing purpose and reduced stress.(45:10) Listener Renee offers perspective on flexibility, one spouse stepping away from work, and how lower stress improved family life.SMART SPRINT(48:08) Roger encourages listeners to separately write down their own “magic” retirement goals—without self-editing—then share and discuss them with their partner.WORD FOR THE YEAR(50:07) Roger shares listener words for the year.CLOSING THOUGHTS(53:17) Roger previews next week's episode, where Henry and Lucy's assets and resources will be evaluated to see what is feasible.REFERENCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Want to guide your child to careers that help them reach their goals? Check out our workbook set: ➡️ https://degreefree.com/book/ Want a custom career plan for your 18-20 year old? Apply for the Degree Free Launch Program: ➡️ https://degreefree.com/launch Helping your child explore different interests and possible career paths early on can shape how they see themselves and their future. In this episode, we share simple ways parents can help kids under 15 discover new skills, build confidence, and stay curious about the world around them. Many kids only know a handful of careers because those are the jobs they see every day. We talk about how to expand that vision through exposure, real life examples, and what we call vocational creativity, so they can imagine a wider range of possibilities without feeling pressured. You'll hear ideas for using everyday experiences to spark curiosity, simple at-home activities like the Job Limit Inventory, and ways to support skill building and exploration now, before specialization becomes important later in the teen years. This conversation is for parents who want to open doors for their kids, encourage curiosity, and help them explore the world with confidence instead of feeling rushed to choose a single path too soon.

Last week, we talked about personal intention — about clarity, values, and designing a year that actually feels like yours.Today, we're zooming in on one specific area of your life that deserves that same level of intention: Your career.Because here's the truth — and I want you to really hear this:If you don't have a plan for your career,someone else does.Your company has a plan.Your manager has a plan.Your industry has a plan.The market definitely has a plan.And if you're not actively shaping your direction, you will end up reacting to theirs. Not because you're incapable. Not because you lack ambition. But because careers don't drift upward by accident. They move in the direction of attention. So today, we're not talking about five-year plans or rigid roadmaps.We're talking about strategic clarity — the kind that helps you make better decisions, have smarter conversations, and stop feeling like you're just “hoping it works out.”By the end of this episode, you'll have:A clear way to think about the next 12 months of your careerA simple framework to guide your decisionsAnd one concrete focus for Q1 that actually moves the needleJoin our Patreon Community here: ⁠https://www.patreon.com/3989172/join⁠Explore 1:1 Career Coaching here: ⁠https://bit.ly/2026coaching

What would shift if you led with creativity, curiosity, and empathy—even inside a rigid, high-pressure environment? And what if the “next step” in your career didn't require certainty—just a smarter experiment?In this episode you'll learn:What design thinking is (in plain language) and how it helps overthinkers navigate career transitions with more clarity and self-trust.How to use values + small, low-risk experiments (instead of perfectionism) to escape shiny-object syndrome and fear of commitment.A simple “brain-dump → categorize → pick the one next step” method to turn overthinking into forward movement.Enroll in BFG: Want to eliminate stress, self-doubt, and overworking to be more effective, feel better, and create sustainable success in your demanding corporate career? Schedule a free consult here to find out how you can get started in my Breaking Free from the Grind 1:1 coaching program.Take the 3-minute BFG quiz here to find out which mindset - Overachiever, Overthinker, People Pleaser, Impostor, or Perfectionist - is preventing you from creating sustainable success at work. Your results will reveal your biggest trap and how to break free for good. About AmeliaAmelia Noel is a Master Certified Coach, podcast host, corporate workshop facilitator, and creator of the Breaking Free from the Grind coaching program. After spending over a decade of her career working on Wall Street at a top investment bank and as a global strategy consultant to Fortune 100 companies, Amelia now helps professionals working demanding corporate careers eliminate stress, self-doubt, and overworking so they can break free from the grind and create sustainable success in their careers.Connect with Ameliawww.amelianoelcoaching.comIG: @breakingfreefromthegrindLinkedIn: Amelia Noel About GloriaGloria Julien is a Life Design Coach who helps overthinkers navigate life and career transitions that leave them feeling disconnected from who they are. A former mechanical engineer turned facilitator and coach, she knows what it's like to have everything look good on paper but feel detached inside.2026 Career Planning Workshop with Gloria (January 15)Stop living in perfectionism and decide on the 1-2 next steps you need to take for your 2026 change to happen. In this workshop, we get creative and prevent anxiety from taking over. We get clear on the change YOU want, not what society tells you to want. You'll walk away with 1-2 clear, simple steps to take right away***REGISTER FOR THE JAN. 15 WORKSHOP HERE***·        Use code BREAKFREE to attend for freeConnect with Gloria·        Website·        LinkedIn·        Book a 1:1 Strategy Session here.  

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

In this episode, Lisa and Annie discuss:Career planning when chronic health conditions or physical disabilities affect daily functioningSelf-advocacy and accommodations across education, training, and employmentAligning career choices with realistic capacity and long-term sustainabilityUsing real-world experiences and conversations to validate career fitKey Takeaways: College provides a structured environment where students can learn to articulate how their condition affects them, practice requesting accommodations, and build confidence navigating formal systems they will later encounter in the workplace.Accommodations support access but do not eliminate essential job functions, making it critical to assess whether the physical, cognitive, and stamina demands of a role can be met consistently over time.Hands-on validation through internships, clinicals, job shadows, and informational interviews reveals the lived reality of a job in ways that academic requirements alone cannot.Sustainable career planning requires honest conversations about energy limits, recovery time, and quality of life, rather than defaulting to paths that are technically possible but personally draining. “You have to be comfortable talking about your condition and your needs.” – Annie TulkinAbout Annie Tulkin: Annie Tulkin is the CEO and Founder of Accessible College, as well as an educator, author, and public speaker. She is an expert in college preparation and transition for students with physical disabilities and health conditions, and has worked in the disability field for her entire professional career. She holds degrees from DePaul University and the University of Wisconsin–Madison, was a Peace Corps Volunteer and Fulbright Fellow in Mongolia, and resides in Silver Spring, MD, with her husband and daughter.Episode References:Job Accommodation Network (JAN): https://askjan.org/Diabetes Link (formerly College Diabetes Network): https://thediabeteslink.org/Christopher & Dana Reeve Foundation: https://www.christopherreeve.org/#099 Navigating College with Physical Disabilities and Health Conditions with Annie Tulkin: https://www.flourishcoachingco.com/podcast/099-navigating-college-with-physical-disabilities-and-health-conditions-with-annie-tulkin/Get Lisa's Free on-demand video: How-to guide for your teen to choose the right major, college, & career...(without painting themselves into a corner, missing crucial deadlines, or risking choices you both regret). flourishcoachingco.com/video Connect with Annie:Instagram: https://www.instagram.com/accessiblecollege/Facebook: https://www.facebook.com/accessiblecollege/LinkedIn: https://www.linkedin.com/in/annie-tulkin-3b66b719/Website: https://accessiblecollege.com/Connect with Lisa:Website: https://www.flourishcoachingco.com/YouTube: https://www.youtube.com/@flourishcoachingcoFacebook: https://www.facebook.com/flourishcoachingco/ Instagram: https://www.instagram.com/flourishcoachingco/LinkedIn: https://www.linkedin.com/company/flourish-coaching-co

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Kelsey Kahn earned her MA in Urban Planning from Hunter College and now works as a planner at FHI Studio, now IMEG. In this episode of Alumni Aloud, Idil speaks… Read the rest The post Urban Planning at FHI Studio (feat. Kelsey Kahn) appeared first on Career Planning and Professional Development.

In this episode, Roger Whitney, a retirement planner with 30 years of experience, breaks down annual gifting limits and year-end planning. He shares practical strategies for giving that make a real impact and create meaningful experiences for loved ones. Roger also answers listener questions, providing clear guidance to help you navigate your retirement with confidence.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This podcast is dedicated to helping you rock retirement.(00:57) Today Roger talks about annual gifting limits.RETIREMENT TOOLKIT(01:45) In today's Retirement Toolkit, Roger explores year-end planning by breaking down the 2025 annual gift exclusion.(04:05) Roger discusses giving money during your lifetime and shares the reasons why it can be beneficial.(12:05) Roger shares his observations on giving money, noting that gifts can feel most meaningful when attached to a specific purpose rather than given with expectations.(14:21) Strategies for impactful gifting are explored, including transferring appreciated assets, paying medical expenses, and covering tuition directly, showing ways to help others while maximizing meaning and efficiency.LISTENER QUESTIONS(19:00) Mary shares feedback on qualified charitable distributions (QCDs).(21:27) Lee describes his “shoulder bonus” strategy to spend excess retirement funds while staying within a safe withdrawal rate.(30:10) John asks when to switch from a general financial advisor to a retirement planner(34:19) Rick asks about gifting appreciated stocks to adult children.(35:17) Steve asks about building a resilient retirement plan at age 80.SMART SPRINT(38:13) In the next seven days: Do you want to give? Can you? How much and to whom? Can it have a purpose? Even small gifts can make a big impact.CLOSING THOUGHTS(40:00) Giving money can bring profound joy, often the greatest gift is the one you give yourself by helping others. REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

As the year winds down, it's time to pause and reflect on what's working and what needs to change. In this episode of The Career Refresh, executive coach Jill Griffin guides you through powerful questions designed to help you realign your career, sharpen your leadership, and set yourself up for success in 2026.These aren't surface-level questions, they're the kind that make you stop, think, and confront what you've been avoiding. From identifying the one change that could create a ripple effect across your life to auditing your habits like a CEO, this episode will help you cut through the noise and focus on what truly matters.In this episode, you'll explore:What would create the biggest ripple effect if you improved it in 2026How to identify what's no longer worth defending in your career or lifeWhether your daily habits actually align with the results you wantThe difference between real progress and just staying busyWhat a competent CEO would immediately eliminate from your scheduleHow to calculate the hidden cost of inactionSmall, intentional steps you can take now to get ahead in the new yearWhether you're a senior leader, emerging executive, or professional ready for your next chapter, this episode offers the clarity and framework you need to end the year with intention,and start 2026 with momentum.Perfect for: Leaders, executives, coaches, and ambitious professionals navigating career transitions, strategic planning, or personal leadership development.Grab your journal, press play, and let's rethink your next chapter together.Support the showJill Griffin, host of The Career Refresh, delivers expert guidance on workplace challenges and career transitions. Jill leverages her experience working for the world's top brands like Coca-Cola, Microsoft, Hilton Hotels, and Martha Stewart to address leadership, burnout, team dynamics, and the 4Ps (perfectionism, people-pleasing, procrastination, and personalities). Visit JillGriffinCoaching.com for more details on: Book a 1:1 Career Strategy and Executive Coaching HERE Build a Leadership Identity That Earns Trust and Delivers Results. Gallup CliftonStrengths Corporate Workshops to build a strengths-based culture Team Dynamics training to increase retention, communication, goal setting, and effective decision-making Keynote Speaking Grab a personal Resume Refresh with Jill Griffin HERE Follow @JillGriffinOffical on Instagram for daily inspiration Connect with and follow Jill on LinkedIn

Career Planning and Wellbeing for Doctors with Dr. Naomi EltonIn this episode of The Girl Doc Survival Guide, Dr. Naomi Elton, a systemic therapist and retired consultant psychiatrist, discusses her career journey and the importance of career planning and self-care for doctors. She talks about her new book with co-author Caroline Elton, PhD: 'Career Planning for Doctors: An Evidence-based Guide,' which provides practical exercises and methods inspired by Daniel Kahneman's cognitive decision-making strategies. Dr. Elton emphasizes the value of mentoring, coaching, and addressing emotional labor in career development. She also highlights the differences between therapy, coaching, and mentoring and provides tips for defining career success. The episode concludes with a recommendation for another career advice book, 'A Job to Love.'00:00 Introduction and Guest Welcome00:57 Personal Anecdote: Career Support in the 1980s02:31 The Harsh Culture of Medical Training03:54 Career Planning and Wellbeing04:22 Tips for Effective Career Planning11:33 The Importance of Mentoring and Coaching14:48 Defining Career Success16:30 Final Thoughts and Book Recommendations

If you're in high school and still unsure what you want to do after graduation, you're not behind — you're just standing at the starting line. In this episode, Brittany breaks down the fear of making “the wrong choice” and explains why taking any step forward is better than staying stuck.From her own story growing up in small-town North Dakota to working in New York and Orlando, Brittany shares how each decision — even the messy or unexpected ones — opened new doors. She'll talk about:Why structure matters in your late teens (and how college can provide it)The truth about student debt and why education is an investment, not a burdenThe myth of the “gap year” and why momentum is everythingHow to surround yourself with dreamers instead of lifersThe single phrase that will change your future: Don't wait for clarity — create it.If you've been waiting for a sign to move forward, this episode is it.Support the showGot a question or story you'd like to share? Message me HERE, and your submission might even be featured in an upcoming episode!

In this episode, Roger Whitney continues his four-week series on retirement goal setting, focusing on the importance of building agile retirement goals. He emphasizes creating the right conditions for discovering what you truly want in retirement, rather than fixating on specific desires. Roger shares insights on self-discovery, the anatomy of goals, and the significance of establishing a solid foundation for a fulfilling retirement. Tune in to learn how to navigate your retirement journey with confidence and purpose!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This week Roger talks about building agile retirement goals.PRACTICAL PLANNING SEGMENT(03:10) The intent is to build goals that are more meaningful to you so you can rock retirement.(07:00) How do you set goals that are meaningful to you in an agile way?(07:39) You want to start with self-discovery and establishing or revisiting your values.(09:53) Focus on creating conditions to explore your values and build a life where fulfillment naturally follows. (13:43) You have to experiment to determine what is right for you.(18:30) Roger talks about the anatomy of a goal, specifically low stakes goals that maximize optionality in retirement planning.(21:08) Roger talks about high stakes goals.(25:04) Low-stakes goals help you experiment, make confident decisions, and discover what truly supports a fulfilling retirement. LISTENER QUESTIONS(27:30) Roger answers Melissa's questions about rolling over an IRA without penalty and whether to trust a flat-fee fiduciary firm that offers to manage her accounts. (33:06) Greg asks Roger to revisit healthcare before Medicare. (34:17) Rob asks about deferring Social Security to age 70 and whether he still receives COLA increases in addition to the 8% delayed retirement credit.(36:03) Chris asks about using only a total world stock and bond index for his portfolio.(40:20) Roger advises keeping a local contingency fund so you always have accessible cash and don't feel “cash poor.”SMART SPRINT(43:20) Go back to your retirement goals and the plan you've put together. Look at them through the lens of our recent discussionRESOURCESSign up for our next Webinar!Scarcity Brain: Fix Your Craving Mindset and Rewire Your Habits to Thrive with Enough- Michael EasterSubmit a Question for RogerSign up for The NoodleFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

This week on the Power of Owning Your Career Podcast, host Simone Morris welcomes Charlotte Dales, co-founder and CEO of Inclusively, for a lively and insightful discussion on charting your own course and building inclusive workplaces. Charlotte shares her remarkable journey—from banking at Deutsche Bank to starting successful companies and sparking positive change after being inspired by her cousin's achievements. Tune in for actionable tips on handling rejection, planning bold career moves, leveraging technology for growth, and embracing a mindset that keeps you in the driver's seat—no matter where you're starting from. Episode Highlights & Timestamps: [00:00] Intro to Charlotte & Overview of Inclusively [00:03] Charlotte's early career aspirations and pivot to finance [00:07] If your career were a book—Charlotte's title & philosophy [00:08] The formula for owning your career: key ingredients and mindsets [00:10] Stories of rejection, resilience, and not taking no for an answer [00:17] Strategies for self-advocacy and pitching yourself [00:19] Game-changing career resources (including Blinkist & AI) [00:22] Realizing you're in the driver's seat: the London story [00:23] Charlotte's parting words on perseverance and choice [00:24] How to connect with Charlotte and Inclusively Learn More & Get Involved: Learn more about host Simone E. Morris: LinkedIn Apply or recommend a guest: Become a Guest on the Show Looking for career support from Simone? Visit 52 Tips for Owning Your Career Connect with Charlotte: Inclusively: Website Charlotte Dales on LinkedIn: LinkedIn Follow & Subscribe: Follow us on social @simonemorrisent for updates & success tips! Subscribe for more inspiring guests and actionable career episodes.

For many college applicants, the dream of higher education would be unattainable without the support of their parents and guardians. That doesn't mean, however, that these well-meaning adults can't become an adverse influence in admissions. Amy and Mike invited educational consultant Lisa Hillhouse to discuss how parents can support and not derail the college process. What are five things you will learn in this episode? 1. What non-negotiable terms should be established at the beginning of the process? 2. How can parents support the exploration phase of the college search process? 3. What activities should parents engage in with their student in the process? 4. How should parents model grace in challenging situations? 5. How can parents reassure their student in the process and its final outcome? MEET OUR GUEST Lt. Col. Lisa Hillhouse is an independent educational consultant and the founder of Hillhouse College and Career Advising, based in Atlanta. Prior to launching her practice, Lisa retired from the Air Force after 26 years of active duty and reserve service. Much of that time focused on officer recruitment and leadership development. Lisa began her admissions journey with a special assignment to Air Force ROTC at the University of California, Berkeley. She loved educating and mentoring young leaders and continued that work at the United States Air Force Academy as a deputy liaison officer director and admissions liaison officer. There she helped lead and manage one of the largest recruiting areas in the nation while evaluating and developing candidates for military careers. While in college, Lisa enrolled in AFROTC and went on to earn a scholarship and a commission. Lisa has a Bachelor's degree in Politics from Assumption University, a Master's degree in Human Relations from the University of Oklahoma, and a College and Career Planning graduate certificate from the University of California, Berkeley. Lisa is nationally recognized for her expertise and specialty of guiding and supporting students through the complex process of becoming commissioned officers. Many of her students are focused on earning ROTC scholarships, military service academy appointments, or becoming officer training school candidates. Lisa also collaborates with other consultants around the country. She frequently presents at admissions conferences and webinars and has served as a guest presenter for college advising courses. Lisa first appeared on our podcast in episode 104 to discuss Applying To A Military Academy and in episode 184 for Demonstrating Leadership In College Applications. Lisa was featured in an IEC Profile in episode 315. You can find out more about Lisa at www.HillhouseCollegeAdvising.com. LINKS How Parents Can Support (Not Derail) The College Process How parents can be involved in the college admissions process—without overstepping College Planning Timeline RELATED EPISODES THE ROLE OF PARENTS IN THE COLLEGE PROCESS HOW PARENTS CAN BEST SUPPORT STUDENTS IN TEST PREP THE PARENT TRANSITION FROM HIGH SCHOOL TO COLLEGE ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.

SHOW NOTESIn this episode, Roger Whitney sits down with Carl Richards, a financial advisor-turned-artist, to talk about keeping retirement planning simple and meaningful. They dive into the idea of “elegant simplicity,” the importance of knowing your goals, and making decisions that actually work for you. Plus, hear inspiring stories from club members to help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) The ultimate goal in building a retirement plan of record is elegant simplicityCHAT WITH CARL RICHARDS(02:00) Roger introduces Carl Richards.(03:50) Carl started sketching to help explain complex financial concepts.(07:33) Roger asks Carl about his new book coming out in October.(11:00) Roger and Carl talk about the differences between simplistic and elegant simplicity in retirement planning.(17:55) How do you decide when you have enough information to make a decision?(22:19) There are many different types of decisions that need to be made- Decisions where you need a lot of research versus decisions where you already have all of the information.(26:58) Writing makes decisions tangible versus rehashing them in your brain(28:19) Carl talks about mimetic desire and figuring out what it is that you really want.(39:45) Carl says he loves the idea of experiment design.(41:40) Carl talks about living a life of meaning.(46:50) There is a deep source of identity and purpose that comes from work. When you remove that, what do you replace it with?(52:58) Carl talks about competing values.(55:00) Roger talks about the Retirement Life Lab in the Rock Retirement ClubSMART SPRINT(56:43) In the next seven days, review your retirement plan and look for ways to simplify it so it's easier to manage.CONCLUSION(57:37) Roger says that what stuck out to him from the conversation is how difficult it can be to truly know what we want and how easy it is to just grab someone else's goals, when what we really need is to slow down and take the time to define our own so we don't end up living a life that doesn't fit us.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManBehaviorGap.com- Carl RichardsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

SHOW NOTESIn this episode, we tackle the often-overlooked topic of taxes in retirement with expert Erin Coe, an enrolled agent. Discover how to avoid unexpected penalties and interest on your IRA distributions and Roth conversions. We also share an inspiring retirement success story from Lottie, reminding us of the importance of clarity and simplicity in planning. Tune in for practical advice that will help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Today Erin Coe joins Roger to talk through penalties and interest during retirement, what those things are.ROCKIN' RETIREMENT IN THE WILD(01:30) Lottie says she got caught up in ideas about the perfect retirement and it was getting in her way.PRACTICAL PLANNING SEGMENT WITH ERIN COE(03:31) Today we're going to talk about penalties and interest when it comes to taxes.(04:52) Erin explains the difference between a tax penalty and interest.(11:14) Roger asked Erin how to calculate an estimated quarterly tax if not doing safe harbor?(13:55) Erin shares her tips on tax returns.(16:08) Being prepared is always better than being taken by surprise when it comes to taxes.LISTENER QUESTIONS(16:40) Roger makes a correction on a past statement.(17:25) Jeff asks a question about the pie-cake explainer video.(20:30) Dave asks a question about helping his elderly mother with her finances.(26:11) Robert asks about getting two mortgages near retirement.SMART SPRINT(32:15) Over the next seven days, download the 1040 form and review how it applies to your retirement income. Decide whether you'll handle taxes through estimated payments, safe harbor payments, or automatic withholdings from distributions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManIRS.gov FormsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

Davit Karapetyan, Director of The School of Philadelphia Ballet, joins us to talk about how the school is structured and how dancers move through its levels, from the pre-professional program to PBII and beyond. He explains how auditions are evaluated, what adjudicators look for, and the common mistakes dancers should avoid. We also dig into how scholarships are awarded and renewed, the housing available to students, and what families should consider when deciding if it is time to move to a company-affiliated school. Karapetyan discusses the realities of career planning at the postgraduate level, how many dancers transition into PBII and the main company, and the skills students need both inside and outside the studio before leaving home for residential training. Finally, he shares his perspective on navigating the financial realities of ballet, managing expectations in a competitive field, and what he wishes young dancers and parents better understood about the path to a professional career. Read Reviews of The School of Philadelphia Ballet Links: Shop Our Back to Dance Guide Buy Corrections Journals Support Ballet Help Desk Instagram: @BalletHelpDesk Facebook: BalletHelpDesk TikTok:  Music from #Uppbeat: https://uppbeat.io/t/ian-aisling/new-future License code: MGAW5PAHYEYDQZCI  

Reinventing your life or career starts with reflection and conversation. Making the leap — to a new career, to the next stage of a relationship, or to a different version of yourself — requires honest communication. For Ilana Golan, being “leap-ready” requires that we answer three questions: Why me? Why this? And why now?Golan knows all about these leaps, as her career spans corporate executive roles, entrepreneurship, and even F-16 flight instruction. As the founder of Leap Academy and host of the Leap Academy Podcast, she helps equip others to navigate their own personal and professional reinventions. As she says, “It's really about communicating from the vision,” which starts as an inside job. “Why is this the right thing for me right now? You convince yourself first, because when you're [at] peace with what you're trying to do, it's a lot easier to convince others.”In this episode of Think Fast, Talk Smart, Golan and host Matt Abrahams explore how honest communication shapes every stage of reinvention, whether that's listening to the signals your mind and body are sending you — like “sleepwalking through life” and imagining something more — or articulating your pivot in ways that create understanding rather than resistance. Wherever you hope to leap, Golan's insights show how to communicate through change with confidence and clarity.Episode Reference Links:Ilana GolanLeap Academy Podcast | Leap AcademyEp.187 Experimenting, Failing, and Finding Your Job Fit - Catalyze Your CareerEp.147 Disrupt Yourself: How to Innovate Who You Are and Become Who You Can Be  Connect:Premium Signup >>>> Think Fast Talk Smart PremiumEmail Questions & Feedback >>> hello@fastersmarter.ioEpisode Transcripts >>> Think Fast Talk Smart WebsiteNewsletter Signup + English Language Learning >>> FasterSmarter.ioThink Fast Talk Smart >>> LinkedIn, Instagram, YouTubeMatt Abrahams >>> LinkedInChapters:(00:00) - Introduction (01:39) - Breaking Barriers & Career Patterns (02:18) - Waking Up to Change (03:42) - Signs It's Time for a Pivot (06:45) - The Rise of Portfolio Careers (10:17) - Communicating Career Leaps (13:29) - Finding Clarity in Reinvention (20:01) - The Final Three Questions (22:56) - Conclusion  *****Thank you to our sponsors.  These partnerships support the ongoing production of the podcast, allowing us to bring it to you for free.This episode is brought to you by Babbel. Think Fast Talk Smart listeners can start your language learning journey today- visit Babbel.com/Thinkfast and get up to 55% off your Babbel subscription.

Sarah Ohanesian is a keynote speaker, productivity strategist, and former Chief Marketing Officer who now helps high-performing professionals and teams do their most important work…without burning out. Her keynotes and workshops leave audiences energized and equipped to eliminate busywork, prioritize high-impact tasks, and make real impact. Sarah is the co-founder of Super Productive, a neuro-inclusive productivity consulting company, where she helps teams cut through the chaos by building clear workflows, organizing projects in tools like Asana, and making sure everyone knows what to do and when to do it–so the most important work actually gets done. You'll walk away from this episode with a truly fresh perspective. “I had been thinking about Productivity. I have been a student of productivity. I love productivity. I do podcasts about productivity. I read about productivity. I just love it so much. And at the same time, everyone I was talking to, when I would say ‘Hi. How are you?' they would answer, ‘I'm busy. I'm stressed out. I'm burned out. I'm overwhelmed.' It was like every person I'm talking to is feeling this way. So what can I do about it? And I had this idea, maybe I should start a productivity company. I had no idea what that actually meant. I just thought I have an idea. And a few people said to me, it's a good one. And I had one person say to me, ‘What if you did?' I will say that moment changed everything.”