Podcasts about early retirement

In this episode, we discuss why the right to an attorney remains one of the most important protections in the American legal system, using Gideon v. Wainwright to examine how due process actually functions in practice. We explore the recent surge in gold and silver prices, weighing inflation fears against global instability and market psychology, and consider how Trump's negotiation style plays out in diplomacy and financial markets. We also examine a new film about Melania Trump, why it misses the larger political moment, and how culture increasingly drifts away from economic reality. We then turn to the so-called Great Wealth Transfer, where we explore how inheritances shape labor markets, housing prices, charitable giving, and long-term economic behavior, along with the unintended consequences that massive shifts in wealth can create for policy, taxation, and inequality. 00:00 Introduction and Overview 00:29 The Story Behind the Right to an Attorney (Gideon v. Wainwright) 03:44 Why Gideon's Case Still Matters Today 04:43 Precious Metals Surge: Gold and Silver Prices Explained 06:40 Inflation vs. Global Risk as Drivers of Gold Prices 08:04 Trump's Negotiation Style and Market Turbulence 09:53 Why Business Tactics Fail in Diplomacy 11:06 Foolishness of the Week: The Melania Trump Movie 13:22 Why the Movie Misses the Real Political Story 15:15 James Bores Ant with Sports Discussion 16:01 The Great Wealth Transfer 17:52 Why Inheritances Don't Behave Like Savings 19:22 Inheritances as Economic Stimulus 22:10 Early Retirement and Labor Market Effects 23:14 Will Wealth Skip a Generation? 24:18 How Big the Wealth Transfer Really Is 25:58 Why the Economy Keeps Avoiding Recession 26:43 Racial Wealth Gaps and Political Fallout 30:49 Why Redistribution Could Backfire 32:04 Estate Taxes, Trusts, and Avoiding the IRS 36:36 Which States Will Gain the Most from Inheritance 38:25 Interest Rates, Inflation, and ESG Investing 40:29 Housing Prices vs. Rental Markets 42:26 Unintended Consequences of Massive Wealth Shifts 43:29 Charitable Giving and Inheritance Choices 44:37 Final Thoughts on Markets, Wealth, and the Future Learn more about your ad choices. Visit podcastchoices.com/adchoices

There's really only one way to reach the level of success most people say they want, and it's not about working until 65. It's about having a plan to retire early. Not as a finish line, but as a mindset.Early retirement means your money is working for you, giving you the ability to choose how you spend your time instead of waiting for an arbitrary age when you're “supposed” to stop working. In this video, James walks through a real case study to show how this mindset changes everything — from cash flow and withdrawal rates to how much of life you actually get to enjoy while your health and energy are still there.Watch as James breaks down how retirement cash flows work, how living expenses, healthcare, goals, and taxes all interact, and how much needs to come from a portfolio each year to support the life you want. The numbers tell a powerful story: staying on the traditional path leads to dying with far more money than needed, while retiring earlier trades excess dollars for time, freedom, and experiences.The truth is not that you should quit working, it's that everyone should know when they could. When you understand your early retirement number, work becomes optional, saving eventually stops being necessary, and money can start being used for living, not just growing.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Today, we dive into financial literacy with Daniel Rodgers, author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement. After achieving economic independence and retiring early from a successful career as a program manager, Daniel now dedicates his time to helping others take control of their finances and live life on their own terms. Though not a financial professional by training, Daniel's disciplined planning and problem-solving transformed his personal experience into a practical, step-by-step guide for escaping the 9-to-5 — empowering countless people through his speaking, writing, and podcast content…  In this episode, we cover:  Strategies for budgeting, saving, and investing. The mindset and discipline required to escape the traditional work cycle. Lessons from the FIRE (Financial Independence, Retire Early) movement. How to create passive income streams and manage debt effectively. If you're ready to take control of your finances and design a life on your own terms, this episode is for you. Click play now to dive in! You can find more on Daniel by visiting the Escape the Clock website.

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

The Hebrew word פרישה means retirement, and these days פרישה המוקדמת is on everyone's mind. Guy explains פרישה and other words from its root פרש. Hear the All-Hebrew Episode on Patreon   New Words and Expressions: Prisha me-ha-avoda – Retiring from work – פרישה מהעבודה Prisha me-ha-avoda, Yetsi'ah le-pensia – Retiring from work – פרישה מהעבודה "Kshe-at tets'ee le-pensya, mi yid'ag lach?" – When you retire, who will look after you? – כשאת תצאי לפנסיה, מי ידאג לך Retirement age – Gil ha-prisha – גיל הפרישה "Halom ha-prisha ha-mukdemet ha-mele'ah nimtsa rak be-heseg yadam shel israelim me'atim" –  The dream of full early retirement is within reach for only a few Israelis – חלום הפרישה המוקדמת המלאה נמצא רק בהישג ידם של ישראלים מעטים Prisha mukdemet mele'ah – Full early retirement – פרישה מוקדמת מלאה Prisha mukdemet / pensia mukdemet – Early retirement – פרישה מוקדמת / פנסיה מוקדמת "Hem lo parshu me-ha-avoda, aval hem ken parshu mi-merotz ha-achbarim" – They didn't retire from work, but they did step away  from the rat race – הם לא פרשו מהעבודה, אבל הם כן פרשו ממירוץ העכברים Prisha me-ha-hayim ha-politiyim – Retiring from political life – פרישה מהחיים הפוליטיים Lifrosh me-ha-hayim ha-politiyim – To withdraw from political life – לפרוש מהחיים הפוליטיים Lifrosh ba-si – To quit at your peak – לפרוש בשיא Yalla, ani poresh – Ok, I am heading out – יאללה, אני פורש Pensioner / pensionerit, gimlai / gimla'eet – Pensioner – פנסיונר / פנסיונרית, גמלאי /גמלאית Gimla'eem – Pensioners – גמלאים Gimla – Pension – גמלה Hem lo mafrishim ksafim la-pensya – They are not setting aside funds for their pension – הם לא מפרישים כספים לפנסיה Lehafrish – To set aside – להפריש Hafrashat ksafim – Setting money aside – הפרשת כספים   Playlist and Clips: Ministry of Finance – Kshe-tets'ee le-pensya KAN TV – Prisha mukdemet Knesset TV – Ehud Barak poresh Gimla'eem – Pensioners Ma HaBeaya – Shabak Samech Ep. no. 327 about mukdam, early HEB

Our guests on the podcast today are Cody Garrett and Sean Mullaney. They're both advice-only financial planners, and they're the co-authors of a new book called Tax Planning To and Through Early Retirement. Cody is a certified financial planner and the founder of Measure Twice Money, where he helped DIY investors make informed decisions aligned with their values. He also leads Measure Twice Planners, which is an educational community for financial planners. Sean Mullaney is a certified public accountant and head of Mullaney Financial & Tax. He also writes the blog, FITaxGuy.com, which is focused on the intersection between financial independence and taxes.BackgroundSean MullaneyCody GarrettMeasure Twice MoneyMeasure Twice FinancialMeasure Twice PlannersMullaney Financial & TaxFITaxGuy.comTax Planning and Early RetirementTax Planning To and Through Early Retirement, by Cody Garrett and Sean Mullaney“The Backdoor Roth IRA After an Excess Contribution to a Roth IRA,” Sean Mullaney, FITaxGuy.com, Dec 16, 2025“Why I Don't Worry Much About Sequence of Returns Risk,” Sean Mullaney, FITaxGuy.com, Jun 10, 2025“The Tax Planning World Has Changed,” by Sean Mullaney, FITaxGuy.com, Sep. 22, 2025“Bogleheads on Investing® with Cody Garrett, CFP®, and Sean Mullaney, CPA on tax planning to and through retirement: Episode 89″ by Bogleheads on Investing® podcast, BogleCenter.net, Dec. 7, 2025“Managing Taxes in Retirement with Sean Mullaney,” by the White Coat Investor Podcast, WhiteCoatInvestor.com, Nov 20, 2025.Die With Zero: Getting All You Can from Your Money and Your Life―A Revolutionary Approach to Maximizing Life Experiences Over Accumulating Wealth, by Bill Perkins“Reframing Risk In Retirement As “Over- And Under-Spending” To Better Communicate Decisions To Clients, And Finding “Best Guess” Spending Level,” by Michael Kitces, Kitces.com, Apr. 24 2024.More on Early Retirement and FIRE“My Baptism by FIRE: Lessons on Financial Independence,” by Christine Benz, Morningstar.com, May 29, 2025.“Aiming to ‘Die with Zero'? Here Are the Implications for Portfolio Construction and Retirement Spending,” by Jess Bebel, Morningstar.com, Apri. 6, 2025"Derek Tharp: An Alternative Approach to Calculating In-Retirement Withdrawals," The Long View podcast, Morningstar.com, Feb. 21, 2023 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lucky Lou is 48, burned out and wants to punch at 50. How should he bridge the gap before pensions and Social Security? Joe Anderson, CFP®, and Big Al Clopine, CPA walk through the Rule of 55, 72(t)s, and the psychological reality of spending down a taxable account, today on Your Money, Your Wealth® podcast number 565. Alexei and Anna are high earners in their mid-20s who want to save aggressively and keep taxes low. Which retirement accounts should they prioritize, and can they afford a downpayment on a house? Jay and Gloria are wrestling with the classic question of whether to save to Roth or traditional 401(k), especially since their state doesn't tax retirement income. Is taking the deduction now and backdooring Roths the smarter move? Plus, Sleepless in Seattle wants to know, can her 28-year-old daughter afford to buy a condo in a high-cost housing market? Finally,  Jennifer in Texas wonders how to invest and withdraw an inherited IRA over the 10-year rule with the least tax damage. Free Financial Resources in This Episode: https://bit.ly/ymyw-565 (full show notes & episode transcript) The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How - YMYW TV Guides:  Growing Your Wealth Tax-Free Retirement One Big Beautiful Bill Act Blogs:  A Market of Stocks Why AI May Not Be a Bubble Should You Own Gold Instead of Stocks? Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:04 - Can I Retire at 50 with $5M and Bridge the Gap to Pensions and Social Security? (Lucky Lou) 10:51 - Which Retirement Accounts Should Young High Earners Max First? Can We Afford a House Downpayment? (Alexei & Anna, Cincinnati) 17:57 - Save to Roth 401(k) or Traditional If Our State Doesn't Tax Retirement Income? (Jay & Gloria, People's Republic of IL) 28:21 - Should a 28-Year-Old Buy a Home in an Expensive Market? (Sleepless in Seattle) 37:15 - How to Invest for Most Growth and Least Tax on an Inherited IRA? (Jennifer, TX) 41:04 - Outro: Next Week on the YMYW Podcast

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

While I'm in the 22% tax bracket, should I begin making small annual Roth conversions? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode: Decompressing from corporate life, forcing vs. allowing in early retirement, discovering true purpose through financial independence, the LinkedIn comparison trap, building real human connection in the AI age with Katrina McGheeEpisode SummaryAfter 14 years at Google, Adam reflects on his first 14+ months of early retirement with career break coach Katrina McGhee. From the six-month decompression timeline to navigating the "not far enough along" narrative, Adam shares the raw truth about corporate burnout, learning to trust himself after betrayal, and figuring out what his entrepreneurial vision actually looks like in practice. He reveals his evolving purpose—empowering a generation to achieve financial independence before the hamster wheel traps them—and his desire to build authentic human connection in an AI-driven world.Guest BioKatrina McGhee is a Career Break Coach, author of *Taking a Career Break for Dummies*, and co-host of the *Taking a Career Break* podcast. She has supported 200+ people through career breaks over 8+ years.Resources & Books Mentioned- Taking a Career Break for Dummies by Katrina McGhee- One Last Talk by Philip McKernan- Return to Real by Ryan Levesque (Spring 2026)- Front Row Dads community- Break Space – Katrina's career break communityGuest Contact InformationLinkedIn: Katrina McGheeWebsite: https://www.kmcgheecoaching.com/Podcast: Taking a Career Break with Katrina McGheeKey Takeaways- Decompression takes time: Expect 3-6+ months minimum; toxic environments require 6-12 months before you feel like yourself again.- Your brain will lie to you: High achievers hear "you're not far enough along" even with no rush—recognize and release this narrative.- Financial independence changes decision-making: When work is optional, choose based on excitement and alignment rather than ROI and efficiency.- Early retirement is walking into fog: Clarity emerges through experimentation and allowing organic unfolding, not forcing outcomes.

Ex-silicon valley guest turned Scuba Diver shares the truth behind retiring early!Hope you enjoy the insights shared!Want to be a guest on THIS show and help others by sharing your story? Complete this: https://vwo3759x8i7.typeform.com/to/gh00JmnZInterested in a custom strategy to retire early? → https://www.rootfinancial.com/start-here/Get access to the same software I use in my videos and join the Early Retirement Academy here  → https://ari-taublieb.mykajabi.com/early-retirement-academy–––––––––––––––––––––––––––––Suzi is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

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.

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Early retirement is a dream for many Americans, but making it work requires more than just saving enough money; it requires smart tax strategies. In this episode of Purposeful Planning, we explore how Roth conversions can help early retirees reduce their lifetime tax burden and create more tax-free income in retirement. From understanding the five-year rule to timing your conversions strategically, discover whether this approach makes sense for your situation. Sources: https://www.aspenwealthmgmt.com/retirement-planning https://www.aspenwealthmgmt.com/tax-planning https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.financialplanningassociation.org/learning/publications/journal/MAY23-arithmetic-roth-conversions-OPEN https://smartasset.com/taxes/conversion-tax-planning-strategy https://www.aspenwealthmgmt.com/about-us https://www.aspenwealthmgmt.com/contact-us-fee-only-advisors-fort-worth https://www.aspenwealthmgmt.com/resource-center/estate/gifting-strategies-without-hurting-retirement https://www.aspenwealthmgmt.com/resource-center/retirement/early-retirement-and-tax-smart-roth-conversions The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Aspen Wealth Management is a registered investment advisor with the SEC. This recorded posting utilizes AI generated voiceovers. While the Firm strictly prohibits the use of AI for advisory activities constituting investment advice, financial plans, portfolio analysis and management, and reporting, the use of AI for other purposes, such as voiceovers, is permitted and utilized for the firm's recordings. Hosted on Acast. See acast.com/privacy for more information.

'Tis the season! In this festive Q&A, we share our thoughts about early retirement, starting with insight for aspiring FIRE (Financial Independence, Retire Early) and FINE (Financial Independence, Next Endeavor) followers. Then we turn our attention to your financial questions from investing mindsets to emergency funds to home buying. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Early retirement is a dream for a lot of people and it can be possible, but only if you plan for it the right way. On this episode of the A Wiser Retirement® Podcast, the conversation tackles what early retirement really means, why so many retirees run out of money, and what steps you can take now to retire sooner without sacrificing long-term security.Related Podcast Episodes: Ep 273: How Early Retirement Affects Pilot BenefitsEp 245: Strategies for Early Retirement and Long-Term SecurityRelated Financial Education Videos:DINK Households May be Able to Retire EarlierHow will retiring early impact my Social Security benefit?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

I manifested early retirement at 28 after manifesting a fully paid dream home, passive income and investments. What it taught me : • You can manifest anything you set your mind to! • After you manifest everything you wanted, life gets boring and it's perfect! Boredom is the peace you prayed for. • The more trauma you heal, the less ambitious you get. It's psychological, look it up! • I care about living a simple minimalistic life and i care about the planet hence no cars, no overconsumption & no excess of anything. • My personal opinion on materialism and travelling. • I realised my unique life purpose to go against the herd mentality and live peacefully blissfully life of my own on my own terms with full sovereignty. Message me on Instagram : https://www.instagram.com/themetaphysicsmagic/?hl=en

Retirement isn't just about leaving a job — it's about letting go of parts of yourself you didn't even realize you were holding onto.In this video, I share 8 things I personally needed to let go of after I retired — not all at once, and not without some resistance. Things like old identities, expectations, guilt, and the constant need to feel productive. Some of these surprised me.Some were harder than I expected.And all of them changed how I experience this chapter of life. If you're newly retired, thinking about retirement, or quietly wondering “Is it normal to feel this way?” — this video is for you. This isn't about what retirement should look like.It's about what it can feel like when you finally give yourself permission to live differently.✨ In this video, we talk about:

It's a Christmas edition of Mailbag this week - in spite of most of the messages having nothing to do with the festive season. First up, we read an email from a This Morning camera operator, then there's updates on David's Ibiza holiday romance and Joe's Park Run stalker. Plus, more weed stories, a 50th birthday drugs-fest, an early retirement routine, a VLODing clarification and to finish things off, a collection of quick-fire messages about the regularity of sex when married. FOR ALL THINGS CHATABIX'Y FOLLOW/SUBSCRIBE/CONTACT: YouTube: https://www.youtube.com/@chatabixpodcast Insta: https://www.instagram.com/chatabixpodcast/ TikTok: https://www.tiktok.com/@chatabix Patreon: https://www.patreon.com/chatabix Merch: https://chatabixshop.com/ Contact us: chatabix@yahoo.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Succession planning is rarely easy, but when life circumstances accelerate the timeline, it requires courage, clarity, and deep trust in your team. This episode explores how to manage an ownership and client transition with empathy, structure, and transparency. KayDee Cole is the founder of Clarity Wealth Development, an RIA based in Corvallis, Oregon, that manages $200 million in AUM for 220 client households. Listen in as KayDee shares how she navigated an expedited succession plan after a cancer recurrence, selling equity to her COO through a seller-financed loan and preparing other team members for ownership. We also talk about the structured four-meeting process she created to transition clients to new advisors, how she coached her team through readiness conversations, and how transparent communication helped retain nearly all clients through the change. For show notes and more visit: https://www.kitces.com/468

Join No Heart Radio as we discuss all the news from around the NFL as we get closer to the post season in the NFL.Become a supporter of this podcast: https://www.spreaker.com/podcast/no-heart-radio-s-vault--1084605/support.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3383: Leif explores the emotional rollercoaster that often follows early retirement, comparing its initial thrill to a honeymoon that inevitably fades. As routines set in and novelty wears off, the real challenge emerges: facing boredom, fear, and the search for lasting fulfillment. Learn how pivoting from scarcity to abundance thinking can help transform this emotional shift into a powerful catalyst for personal growth. Read along with the original article(s) here: https://www.physicianonfire.com/honeymoon-phase-of-retirement/ Quotes to ponder: "Fear is likely a result of wondering if you have enough. Not enough money. Maybe enough joy? Happiness? Potential fulfillment?" "Choose the abundance mindset rather than the scarcity one, and you might find that you need fewer spreadsheets to keep track of your joy." "Keep digging into what brought you moments of flow in earlier phases of life, keep bringing those back." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3383: Leif explores the emotional rollercoaster that often follows early retirement, comparing its initial thrill to a honeymoon that inevitably fades. As routines set in and novelty wears off, the real challenge emerges: facing boredom, fear, and the search for lasting fulfillment. Learn how pivoting from scarcity to abundance thinking can help transform this emotional shift into a powerful catalyst for personal growth. Read along with the original article(s) here: https://www.physicianonfire.com/honeymoon-phase-of-retirement/ Quotes to ponder: "Fear is likely a result of wondering if you have enough. Not enough money. Maybe enough joy? Happiness? Potential fulfillment?" "Choose the abundance mindset rather than the scarcity one, and you might find that you need fewer spreadsheets to keep track of your joy." "Keep digging into what brought you moments of flow in earlier phases of life, keep bringing those back." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3383: Leif explores the emotional rollercoaster that often follows early retirement, comparing its initial thrill to a honeymoon that inevitably fades. As routines set in and novelty wears off, the real challenge emerges: facing boredom, fear, and the search for lasting fulfillment. Learn how pivoting from scarcity to abundance thinking can help transform this emotional shift into a powerful catalyst for personal growth. Read along with the original article(s) here: https://www.physicianonfire.com/honeymoon-phase-of-retirement/ Quotes to ponder: "Fear is likely a result of wondering if you have enough. Not enough money. Maybe enough joy? Happiness? Potential fulfillment?" "Choose the abundance mindset rather than the scarcity one, and you might find that you need fewer spreadsheets to keep track of your joy." "Keep digging into what brought you moments of flow in earlier phases of life, keep bringing those back." Learn more about your ad choices. Visit megaphone.fm/adchoices

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time. In this episode, we cover: Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you? How to create a tax-efficient drawdown plan that could save you hundreds of thousands The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy When to do Roth conversions and how to time them for maximum benefit Healthcare planning in early retirement and how it affects your withdrawal strategy Estate planning considerations and maximizing what you leave behind Real-world scenarios: what withdrawal strategies look like in practice The biggest mistakes retirees make in the decumulation phase Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on Your Money, Your Wealth® podcast 559 with Joe Anderson, CFP®, and Big Al Clopine, CPA, David wants to know if he and his wife (ages 47 and 53) are actually on track for retirement - without realizing they're creeping toward that .01% crowd that David swears he is not part of. Mia and Jessie from Seattle want to retire and still pick up a dream lake house with a combined ten million dollars saved. Can they pull it off? Yosemite Sam from Allen, Texas, wonders if he should wipe out the lake house mortgage or keep that low-rate loan to hang on to more flexibility as he approaches retirement. Joe and Big Al also spitball on whether Todd and Margo should shift more into pre-tax accounts to leave their corporate jobs at age 50, and whether early retirement at 55 plus a $500,000 beach home is in the cards for Birdie and Bogey from Williamsburg. Free Financial Resources in This Episode: https://bit.ly/ymyw-559 (full show notes & episode transcript) Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:53 - Middle Class Retirement Spitball For Those Not in the .01%: Are We On Track at Age 47? (David) 06:37 - $5 Million Roth, $5 Million Brokerage: Can We Retire and Buy a Dream Lake House? (Mia & Jessie, Seattle) 17:26 - Pay Off the Lake House or Keep the Low Rate Mortgage? (Yosemite Sam, Allen, TX) 25:23 - Should We Shift More Funds into Pre-Tax Retirement to Retire Early at 50? (Todd & Margo, TX) 38:45 - Can We Afford Early Retirement at 55 and a $500K Beach Home? (Birdie & Bogie, Williamsburg, VA) 46:27 - Outro: Next Week on the YMYW Podcast

Send us a textRetired at 49, Nick Shelton achieved the freedom many people dream of — but without structure, status, or purpose, that freedom felt unexpectedly empty. In this episode of the Starter Girlz podcast, Nick shares his Reinvention Formula for rebuilding identity, finding purpose, and creating a meaningful next chapter after retirement, career change, or major life transitions.We dive deep into what comes next when success is no longer your identity and how to design Version 2.0 of yourself with intention, creativity, and purpose.

What happens when your career ends - at 30? Professional ballerina Hannah Mae Cruddas considers that question as she prepares to leave the stage behind, along with her most famous role: Anne Shirley, of Green Gables fame. Produced by Alex Guye, this documentary first aired in 2024.

Most people think retiring at 58 is “too early”… but after working with hundreds of pre-retirees, I can tell you — many could walk away years sooner than they think.In this episode, I break down the framework behind early retirement and show you why the biggest retirement mistake isn't leaving too soon… it's waiting too long based on outdated assumptions.You'll hear the real story of Mark and Susan — a couple who came to me at 58 feeling unsure, unprepared, and afraid they didn't have enough. With $1.8 million saved, a pension starting in two years, and a timely inheritance, we designed a strategy that allowed them to retire confidently, travel early, and enjoy their healthiest years instead of working through them.In today's episode, you'll learn:Why “the number” is one of the most misleading retirement mythsHow retirement spending naturally drops 20–30% after leaving workWhy your late 50s may be your best health and energy windowThe bridge-income strategies that make 58 retirement realistic— pensions, Roth contributions, ACA planning, and part-time workHow regret prevention should guide your timing decisionsWhat a comprehensive 58-retirement plan actually looks likeHow the Red Zone Retirement Planning Process™ supports early retireesIf you're in your mid-50s and wondering whether you're actually closer to retirement than you think, this episode will give you the clarity and confidence you need.Want to see whether retiring at 58 works for you?Take my free Retirement Readiness Quiz — and I'll send you a personalized planning video based on your results.How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

What does it really take to break through the myths of entrepreneurship and build a financially independent life—especially as a woman? In this eye-opening episode of The Angel Next Door Podcast, host Marcia Dawood invites listeners to rethink traditional notions of wealth, investing, and risk-taking by exploring the power of money mindset, resilience, and strategic investing.Our guest, Bernadette Joy, is a first-generation Filipino American, acclaimed author of "Crush Your Money Goals," and an entrepreneur who's achieved financial independence by age 40. As a life and money coach, Bernadette Joy opens up about her unconventional path from paying off $300,000 in debt to mentoring the next generation of women investors and entrepreneurs. Her journey is shaped by personal experience, a mission to help others overcome financial misconceptions, and a passion for demystifying the road to millionaire status—especially for women and communities of color.This episode dives deep into actionable strategies for getting your financial house in order, understanding the realities of angel investing, and building businesses designed for both growth and early retirement. Bernadette Joy shares candid stories—both successes and failures—offering a rare, honest perspective on what it means to curate your accounts, invest with intention, and heal your “money wounds.” Whether you're an aspiring investor, established entrepreneur, or simply looking for practical financial wisdom with heart and humor, this is a must-listen conversation that will inspire you to reimagine what's possible for your financial and entrepreneurial journey. To get the latest from Bernadette Joy, you can follow her below!https://www.linkedin.com/in/bernadebtjoy/https://www.crushyourmoneygoals.com/ https://a.co/d/1KJRwvJ - Crush Your Money Goals Bookhttps://www.instagram.com/bernadebtjoy/  Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

What does it take to go from dropping out of school in ninth grade to owning more than 150 rental units and retiring in your 40s? Matt Hawkins, also known as the Lumberjack Landlord, is a self-taught investor who now manages over 50 buildings and 400 tenants with just one employee — all from his phone. He joins us on this episode of Living Off Rentals to unpack his incredible journey from humble beginnings to financial freedom. Listen as he shares how early mistakes, creative deal-making (like buying a city-owned police station), and consistent systems helped him build a real estate empire that now provides freedom, flexibility, and purpose. Enjoy the show! Chapters: [00:00] Introducing Matt Hawkins and his background [01:45] From dropping out of high school to becoming a real estate investor [05:40] Investing in the stock market and losing everything [07:41] How his first real estate deals evolved over time [08:44] Use house hacking as the ultimate foundation for financial freedom [13:49] Retire early by designing a business that funds your ideal life [18:21] Scale a rental portfolio efficiently using systems and one key employee [20:52] Think like an asset manager, not just a landlord [24:34] Win competitive deals using the "reverse offer strategy" [28:00] Why great deals matter more than more deals [29:03] Connect with Matt Hawkins [30:51] Outro Guest Links: Website: https://www.lumberjacklandlord.com/  Instagram: https://www.instagram.com/lumberjack_landlord/?hl=en  YouTube: https://www.youtube.com/c/LumberjackLandlord  Show Links: Living Off Rentals YouTube Channel – youtube.com/c/LivingOffRentals  Living Off Rentals YouTube Podcast Channel - youtube.com/c/LivingOffRentalsPodcast  Living Off Rentals Facebook Group – facebook.com/groups/livingoffrentals  Living Off Rentals Website – https://www.livingoffrentals.com/  Living Off Rentals Instagram – instagram.com/livingoffrentals  Living Off Rentals TikTok – tiktok.com/@livingoffrentals   

What does it really take to plan your taxes to - and through - early retirement? In this week's episode, Dr. Jay sits down with Certified Financial Planner® and author Cody Garrett to unpack the key ideas from Cody's new book, Measure Twice, Money Once. Together, they explore how intentional tax planning can turn early retirement from a financial dream into a sustainable reality.From understanding how tax brackets shift when your income changes, to strategically timing Roth conversions and managing healthcare costs before Medicare — they cover it all. You'll also hear practical, values-based advice on aligning your tax and income strategies with the kind of life you actually want to live.Whether you're five years from early retirement or already there, this conversation will help you create a tax strategy designed for freedom, flexibility, and purpose.We'll Cover:00:00 — Welcome and why early retirement tax planning matters04:32 — The three stages of tax planning: before, during, and after retirement10:48 — Roth conversions: when they make sense (and when they don't)18:25 — Managing healthcare costs before Medicare eligibility27:10 — Building a tax-efficient income plan for the long runMentioned in this Episode:- Get Cody's book here: https://www.measuretwicemoney.com/book- Get Dr. Jay's book "The Childfree Guide to Life and Money" here: https://childfreewealth.com/childfree-guide/- Learn more about Childfree financial www.childfreewealth.com- Learn more about Childfree Trust: https://www.childfreetrust.com About our Guest: Cody Garrett is an advice-only financial planner, educator, and founder of Measure Twice® Money, where he helps DIY investors make informed financial decisions aligned with their values. He also leads Measure Twice(R) Planners, an educational community for financial planners. Cody's insights have been featured by The Wall Street Journal, Barron's, Forbes, and CNBC. He's a frequent guest on personal finance podcasts, including ChooseFI, The Long View (Morningstar), and Bogleheads on Investing.Connect with Cody here: https://www.linkedin.com/in/codylgarrett/ The Childfree Wealth Podcast, hosted by Bri Conn, CFP®, and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of Childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3365: Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence. Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/ Quotes to ponder: "Should you feel like you failed at early retirement if you decide to do some paid work? No." "The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100." "Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life." Episode references: UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers Amazon Flex: https://flex.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3365: Jeremy challenges the notion that earning income after early retirement equals failure, sharing his own experiment with seasonal work as a UPS driver. His candid reflection reveals how flexibility, self-awareness, and reevaluating what “retirement” means can lead to greater peace of mind, without compromising your values or financial independence. Read along with the original article(s) here: https://www.gocurrycracker.com/failing-at-early-retirement/ Quotes to ponder: "Should you feel like you failed at early retirement if you decide to do some paid work? No." "The greatest financial benefit was that it reminded me of just how much time and energy is required to make $100." "Try some things, no big deal. Maybe you will enjoy some work and find it brings value to your life." Episode references: UPS Personal Vehicle Driver Program: https://www.jobs-ups.com/personal-vehicle-drivers Amazon Flex: https://flex.amazon.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Today is Monday, November 24. Here are the latest headlines from the Fargo, North Dakota area. InForum Minute is produced by Forum Communications and brought to you by reporters from The Forum of Fargo-Moorhead and WDAY TV. For more news from throughout the day, visit InForum.com.

Today we're joined by Sean Mullaney, an author and CPA who presented at this year's Bogleheads conference. We dive into smart ways to manage your taxes in retirement and explore the strategies that can make a meaningful difference over the long run. Sean walks us through when Roth conversions shine, when they don't, and how tax, retirement, and estate planning all fit together. If you want to feel more prepared for the financial side of retirement, this is an episode you won't want to miss. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Dr. Dahle and The White Coat Investor podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services. Median American wealth statistic source: https://www.ubs.com/us/en/wealth-management/insights/global-wealth-report.html  Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #446 04:25 Sean Mullaney, CPA Interview 06:00 5 Phases of Retirement 09:40 Early Retirement 16:00 The Golden Years of Retirement 23:38 IRMA 26:51 Taking Social Security 31:33 Qualified Charitable Distributions 37:22 Required Minimum Distributions 42:27 Widow Tax Trap 47:14 RMDs Are Not Bad 50:05 Roth vs. Traditional 55:03 Buy, Borrow, & Die 01:00:06 Tax Planning To and Through Early Retirement

A cancer diagnosis changed everything. When Michael's wife began chemo, time took on a new meaning. The long-term financial plan suddenly felt secondary to the years they still had together. That wake-up call led Michael, then 57, to retire a full decade earlier than planned, trading more income for more life.In this conversation with James, Michael shares the mindset shift that made him walk away from a thriving career and a team he loved leading. He opens up about the guilt of leaving, the relief that followed, and the realization that a company replaces you faster than you think.They also explore how a lifetime of small, consistent choices (early saving, investing through dividend reinvestment plans, and living below his means) gave Michael the freedom to say yes when life demanded it most. Now, his days are wide open: hiking sections of the Appalachian Trail, rediscovering old hobbies, and savoring the quiet moments that used to rush by.It's an honest look at what happens when money finally becomes a tool for time, not the other way around.Want to be a guest on James' show to help others by sharing your story? Complete this form: https://vwo3759x8i7.typeform.com/to/IwyScIeR-Michael is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Retiring before Medicare? You might face a tricky balancing act between doing Roth conversions and keeping your health insurance subsidies through the Affordable Care Act (ACA). Tanner Watson, CFP®, helps us unpack a real-life retirement planning case to show how Roth conversions can impact your premium tax credits and what strategies can help you make the most of both. Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/RzfHaemmR3A  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Most people believe their retirement accounts are completely off-limits until age 59½. But there are several ways to access your retirement funds earlier, including something called the Rule of 55.

Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast number 555. Christine just retired at 59 and wants the smartest way to draw income before Social Security, without letting taxes take a third of it. Prickly Richard and Margarita Maggie have a plan to "pull ahead" some Roth conversions now to dodge an RMD avalanche later. Will it work? And the Michigan Queen and Mississippi Boy are wondering whether to save harder for retirement or college for three kids currently under the age of 5. Free Financial Resources in This Episode: https://bit.ly/ymyw-555 (full show notes & episode transcript) Tax-Free Retirement Guide - NEW! Free download How To Retire Tax-Free With A Smart Income Plan on YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:53 - I Retired at 59. What's My Best Retirement Withdrawal Strategy Before Social Security at 62? (Christine) 13:50 - Should We Do Roth Conversions Before Being Hit With the RMD Avalanche? (Prickly Richard & Margarita Maggie, Tucson, AZ) 26:20 - Saving for Early Retirement at 55 vs. Saving for Kids' Future (Michigan Queen & Mississippi Boy, TN) 39:53 - Outro: Next Week on the YMYW Podcast

This month we tackle a topic we haven't talked much about...Forced Retirements. Anthony Napolitano had a very successful career in the high-tech world. Then he was laid off not once, but twice by two big corporations right around when he was 50 years old. That was two years ago, and since then he has plunged into the world of early retirement with great enthusiasm, (which is an understatement.) His friends joke that he doesn't have a "Type A personality," he has a "Type-Anthony personality".  Anthony has an analytical mind and devised a personalized Life Retirement Plan. He bases his plan on the four pillars of Health, Mindset, Purpose and Relationships. He even grades himself every year. He was a star baseball player in high school and then went on to play four years of college division 1 baseball at Loyola-Marymount College. So in (un)retirement, Anthony is a natural as a high school coach. He loves being the assistant coach for the girls volleyball team. He also works as a wine educator at a local winery in his tiny mountain town of Julian, CA, just outside of San Diego. He does a little bit of everything at the winery, from picking grapes to hosting wine tasting events. You will love Anthony. He's full of wonder and personality. Although Carl points out that he is the star of the podcast, Anthony clearly steals this month's show. • More about Anthony Napolitano: https://www.linkedin.com/in/anthonynapolitano • Anthony's Blog "For the Napos": https://forthenapos.com • Episode Content: https://pickleballmediahq.com/blog/anthony-napolitano-interview-rorced-into-early-retirement-and-now-a-renaissance-man • Sponsored by How to Retire and Not Die:  https://garysirak.com/how-to-retire-and-not-die • Sponsored by Capital Advantage: https://capitaladvantage.com/promotion/retirement-planning-guide • I Used to be Somebody World Tours:  https://pickleballmediahq.com/tour/all-tours • Subscribe to I Used to be Somebody newsletter:  https://pickleballmediahq.com/contact/subscribe  

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On this week's Money Matters, Scott and Pat open the show with a look at the Magnificent Seven stocks. Is this tech dominance a warning sign or just the new market normal? They unpack what this concentration means for index investors and why historical perspective matters. Next, they take a call from a 56-year-old tech professional navigating a surprise layoff and considering early retirement. With over $2M in assets and plans to relocate, they walk through whether he can afford to stop working—or if some part-time income is essential. It's a timely breakdown of early retirement math, real estate moves, and RSU liquidation strategy. The episode wraps with two strong planning discussions: a state employee navigating Roth vs. traditional 401(k)/457 contributions, and a retiree using a "bucket strategy" who wants feedback on portfolio structure. Scott and Pat debate risk tolerance, rebalancing, and why flexibility is key in retirement income planning. If you're exploring early retirement, weighing Roth contributions, or fine-tuning your investment drawdown plan—this episode is packed with actionable insights. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn't match the average. In this episode, James shows why age-based savings benchmarks miss the mark and replaces them with a simple, four-step method that fits you.First, get clear on spending in retirement (inflation-adjusted, lifestyle-aware). Then credit guaranteed income, like Social Security, pensions, annuities, part-time work, help to size the real gap. Applying a conservative withdrawal rate to turn that gap into a target portfolio, and back-solve to today with reasonable returns and annual contributions can help you find security. No fluff. Just a plan you can update every year.Real-life cases make it concrete: an early retiree whose “confident” multiple falls short, two teachers whose pensions shrink the target, and a late-career saver who unlocks home equity to close the gap.What you'll learn:Why age-based benchmarks exist—and where they can misleadHow timing (early retirement vs. later) changes the numberThe role of Social Security and pensions in lowering your targetWhen home equity or windfalls can bridge shortfallsThe four-step method: expenses → income → gap → portfolio mathUsing a withdrawal rate (e.g., 4%) to set a clear targetHow to back-solve to today's balance and savings planStress-testing returns, inflation, and timing choicesIf generic multiples leave you anxious or overconfident, this conversation trades guesswork for clarity. Translate goals into numbers, see which levers actually move the needle, and build a plan that funds a life you enjoy.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Thinking about taking a VERA (Voluntary Early Retirement Authority) offer? Before you decide, make sure you understand the benefits and pitfalls that come with it. In this episode, John breaks down: ✅ What VERA early retirement really means ✅ Who qualifies - and when it's offered ✅ The big advantages, like keeping your FEHB and avoiding layoffs ✅ The hidden traps, like lower pensions, delayed FERS supplements, and potential TSP penalties Whether VERA is a great opportunity or a financial trap depends entirely on your situation, and understanding the fine print could save your retirement.

In this episode of Retirement Reality, meet Donovan, a 55-year-old retiree who turned an unexpected career exit into an opportunity for freedom, reflection, and new purpose. Donovan shares how one defining word, choice, shaped his journey before, during, and after retirement.From years of disciplined saving and intentional living to facing an unplanned exit from corporate life, Donovan opens up about how preparation, mindset, and adaptability transformed what could have been a setback into a second act filled with meaning. He and James discuss the emotional and psychological sides of retirement: identity shifts, finding purpose, redefining relationships, and learning to spend after decades of saving.This conversation dives into the real retirement journey: the freedom it brings, the fears it stirs, and the wisdom that comes from embracing both. Whether you're approaching retirement or simply rethinking your next chapter, Donovan's story will challenge you to see this season as an opportunity — not an ending.Key Themes:The power of choice in financial and life planningTransitioning from career identity to personal purposeManaging the emotional and psychological side of retirementFinding meaning, health, and community in life after workOvercoming the fear of spending after years of saving-Donovan is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Join the community built to help you master your money, stay accountable, and reach financial freedom.

Feeling like healthcare makes early retirement impossible? It's a common belief, but often fixable with thoughtful income planning. Premium tax credits under the ACA aren't vanishing; the enhanced credits are scheduled to sunset after 2025, and the pre-2021 rules (including the ~400% FPL income cap) are slated to return in 2026 unless Congress acts. The takeaway: managing MAGI matters.In this episode, Ari Taublieb, CFP®, walks through a practical, illustrative case: a 60-year-old couple with ~$1.55M spread across taxable, pre-tax, and Roth accounts. You'll see how the source of withdrawals (e.g., harvesting from taxable accounts vs. large pre-tax distributions) can change MAGI—and therefore subsidy eligibility—potentially lowering Marketplace premiums materially. You'll also learn key HSA rules after age 65 (non-medical withdrawals are taxed as income but no 20% penalty) and what's changing for HSAs in 2026: Bronze and Catastrophic ACA plans are slated to be HSA-eligible, expanding access to tax-advantaged saving.You'll leave with a playbook: align cash-flow needs with tax brackets, plan around the 400% FPL threshold, coordinate Roth/pre-tax/taxable withdrawals, and revisit the plan annually as laws and income shift. Ready to pressure-test your numbers and retire with more confidence? Subscribe to the Early Retirement Podcast.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

We are answering a variety of your questions today. We start out talking about methods to save up for an early retirement. We answer a question from a listener who received an inheritance from a Canadian relative and they want to know if they should leave the money in Canada or bring it to the US. This question dives into political considerations. We then talk about the 4% rule and answer a questions about capital preservation. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #441 07:04 Saving for Early Retirement 13:30 Moving Money from Canada to the US 20:07 The Real Estate Market Today 28:50 Implementing the 4% Rule 38:54 Cutting Back at Work

Who says you have to wait until 65 to clock out and start living your best life? On this episode of The Stacking Benjamins Show, Joe Saul-Sehy, Paula Pant (Afford Anything), OG, and special guest Sean Mullaney—author, CFP®, and early retirement strategist—explore how to design a life that lets you walk away from the office sooner and happier. From tax-smart withdrawal strategies to dialing in your lifestyle design, this conversation pulls back the curtain on what it really takes to achieve early financial independence. You'll hear practical steps for aligning your money with your values, structuring your investments for flexibility, and ensuring your plan can survive market dips and surprise expenses. Along the way, the team debates Roth vs. Traditional retirement accounts, shares personal insights from FinCon, and delivers a few laughs (and groans) in Doug's trivia corner. Whether you're in your 30s planning a slow exit or in your 50s wondering if it's too late to pivot, this episode is your guide to crafting a retirement plan that works as hard as you do—without losing sight of the joy along the way. What You'll Learn How to design your early retirement plan: The building blocks of lifestyle design and financial freedom. Tax-efficient investing: When to prioritize Roth vs. Traditional accounts—and why both can play a role. Withdrawal strategies that work: How to avoid tax traps and keep your plan sustainable. The mindset shift: Why retiring early isn't about leaving work—it's about moving toward purpose. How to “future-proof” your finances: Guarding against inflation, longevity risk, and unexpected curveballs. Questions to Ponder During Today's Show: What would your perfect day look like if you didn't have to work tomorrow? Would you be willing to earn less now if it meant retiring five years earlier? What does “enough” look like for you—and how do you know when you've reached it? FULL SHOW NOTES: https://stackingbenjamins.com/building-your-early-retirement-plan-1746 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices