Podcasts about early retirement

Is it possible, common even, to spend a lot early in retirement to celebrate your financial freedom? How do Roth conversions and withdrawals work if you do plan to call it quits around age 57, and spend big early on? Should you convert retirement funds to tax-free Roth after you stop working? Joe Anderson CFP® and our special guest co-host, Marc Horner, CFP® spitball on these topics for "Beavis and Daria" in Texas and "Clark Kent" in Pennsylvania, today on Your Money, Your Wealth® podcast number 543. Plus, the sooner 56-year-old "Tony Soprano" in New Jersey can retire, the better. What tips do Joe and Marc have for him? By the way, Marc is one of the newest principals here at Pure Financial Advisors. He's the founder of Fairhaven Wealth Management, which has just become the newest Pure Financial Advisors Chicagoland office in Wheaton, Illinois - so help us welcome him for his YMYW debut. Free financial resources & episode transcript: https://bit.ly/ymyw-543 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) DOWNLOAD the Withdrawal Strategy Guide for free WATCH Withdrawal Trap Doors on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - Spending Higher Earlier in Retirement to Celebrate? How to Convert? Where to Withdraw? (Beavis & Daria, TX) 12:30 - Watch Withdrawal Trap Doors on YMYW TV and Download the Withdrawal Strategy Guide for free 13:36 - Can I Retire at 57 Even With a High Draw Down Rate? Should I Convert After Retirement? Should I Consider an Annuity? (Clark Kent, PA) 28:23 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! (secret password: ymyw) 29:09 - When Can I Retire? The Sooner the Better. (Tony Soprano, NJ) 37:43 - Next Week on the YMYW Podcast 38:01 - YMYW Podcast Outro

In this week's LGBTQ headlines: • The Air Force has reversed on an option for transgender military service members to take early retirement, opting instead to force them out with no retirement benefits • The U.S. Supreme Court has been formally asked to reconsider its 2015 ruling that made same-sex marriage legal nationwide • The enchanting new web series 'The Nature Of Us' follows two young people fresh out of high school, looking for a sign to lead them to what comes next. Link - https://www.youtube.com/@americanapictures All that and more in this episode of The Randy Report.

Jeremy Keil interviews Anthony Napolitano about how he managed to adapt his retirement plan after an unexpected end to his career.

Thinking about retiring early and worried it might hurt your Social Security benefits? Good news: it probably won't.A common myth is that you have to work into your 60s to get the most out of Social Security. In reality, benefits are based on your 35 highest-earning years—not the age you stop working.This episode breaks down how benefits are calculated, what “bend points” are, and why even part-time income in semi-retirement can make a difference.There's also an important distinction between when you stop working and when you start claiming. Monthly benefits can range from around $1,400 at age 62 to $2,400 at age 70, depending on the timing.Curious what your own numbers look like? Head to ssa.gov to create a free account and check your personalized estimate. It's a simple step that can help you make smarter retirement decisions._ 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!

White sand, sunny beach… early #retirement?  If that's your ideal life, you wont' want to miss this episode of #MoneyGuidewithMarySterk as we share these important must-know #earlyretirement tips!#entrepreneur #invest #profit #taxes #fees #budget #mortgage #studentloans #taxbreak #401k #wealth #debt #emotions Feat Mary Sterk & Kelsey BankeySubscribe to the “Money Guide with Mary Sterk” podcast on Apple Podcasts. Schedule an appointment with one of our advisors today!Follow us on FacebookFollow us on LinkedinSubscribe on YoutubeFollow us on Twitter

Can you go from $0 invested at 32 to retiring by 45?Yes! You absolutely can. And Soledad from Wealth Para Todos is living proof.In this episode of the Business Without Burnout podcast, we talk with self-care and financial expert Soledad, who helps diverse individuals achieve early retirement through intentional money strategy and her framework.

The U.S. Air Force will deny early retirement to transgender service members with 15 to 18 years of service, separating them without benefits. The move follows the Trump administration's transgender troop ban, upheld by the Supreme Court, and has sparked criticism and warnings of lawsuits. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Learn more about your ad choices. Visit megaphone.fm/adchoices

Design Your Next Chapter  Joe Tarantino joins us to share his retirement journey - going from balancing family and work responsibilities to embarking on an ambitious cycling goal.  A lifelong learner, Joe opens up about how setting a personal moonshot goal helped him transition into retirement with purpose. He wrote a book chronicling his cycling experiences. He offers candid insights on caregiving, identity shifts, and why it's essential to replace the structure and social interactions that work once provided. Joe Tarantino joins us from Ohio. _________________________ Bio Joe Tarantino has cycled through all 50 U.S. states, crisscrossing a vast network of roads and trails. With 25 marathons and other endurance events under his belt, he retired from a successful 35-year career in the aerospace industry as a chemist, engineer, and operations manager, in response to God's call to a different direction in his otherwise comfortable life. While pursuing his cycling, he seeks to inspire others to chase their dreams through his writing. __________________________ For More on Joe Tarantino Pale Pink Roads __________________________ Podcast Conversations You May Like Unlock Positive Aging with Outdoor Adventure – Caroline Paul Not Too Late – Gwendolyn Bounds The Benefits of a New Challenge – Joe Simonetta Big Goals – Caroline Adams Miller ___________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 1.6 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _______________________ Wise Quotes On the Challenge of Early Retirement "You leave the work site, and you just don't have the social interaction that you used to." On Finding Purpose "Don't settle for all these good things when there's something great you could be going after. You've got all this open time. Make sure it's spent doing good stuff, even great stuff." ________________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are solely those of the guests and do not reflect the opinion of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast primarily covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes.

Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro  

If you're thinking about early retirement, there's one cost that tends to catch high earners off guard. The paycheck may stop, but your expenses certainly don't — and one of the biggest line items is health insurance. What many don't realize is that how you fund your lifestyle in retirement can dramatically affect what you pay for coverage. In today's episode, we're unpacking a planning strategy that could help you save tens of thousands of dollars before Medicare kicks in.

Thinking of retiring at 60? You might want to think again. In this episode, Steve Hoyl and Derrek Caldwell of the Hoyl Financial Group break down the real costs of early retirement—especially the hidden healthcare gap before Medicare kicks in. They explore why chasing a “magic number” like a million dollars can backfire, and how annuities, income planning, and budgeting can help you retire with confidence. Whether you're dreaming of travel or just peace of mind, this episode is your wake-up call to plan smarter. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Join hosts Mindy Jensen and Scott Trench as they sit down with Cody Garrett, a former musician turned financial planner who discovered the FIRE movement seven years ago and is now just four years away from achieving financial independence by age 40. Cody's unique dual perspective—as both someone actively pursuing FIRE and a professional helping others achieve it—makes this conversation particularly valuable for anyone on their own early retirement journey. Cody shares the practical strategies, mindset shifts, and career decisions that accelerated his path to financial freedom. He breaks down his personal approach to portfolio management, explains how to avoid the lifestyle inflation trap, and discusses building multiple income streams through business ventures. Whether you're contemplating a career change, looking to optimize your FIRE timeline, or seeking guidance from someone who's walking the walk, this episode is packed with actionable insights you can implement immediately. This Episode Covers: Cody's journey from musician to financial planner and FIRE discovery Strategic career pivoting to accelerate financial independence Portfolio theory and investment strategies for early retirement Avoiding lifestyle inflation while building wealth The importance of finding your "why" for financial independence And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Featuring music from The Last Reign, INVERITY, Not Normal, and Early Retirement!      

Featuring music from The Last Reign, INVERITY, Not Normal, and Early Retirement!

Can Beth and Rip retire early, spend more, and Die with Zero? When should they claim Social Security? Forrest and Jenny have 10 rental properties at age 31. Can they retire at age 50? (And what makes you a real estate professional from a tax perspective?) Plus, what are the rules for spousal IRA contributions and required minimum distributions? Memphis wants to know. Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW audience members who are definitely not fictional characters, today on Your Money, Your Wealth® podcast number 540. Free financial resources & episode transcript: https://bit.ly/ymyw-540 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps: 00:00 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 00:35 - Intro: This Week on the YMYW Podcast 01:13 - Can We Retire Early, Spend More, and Die With Zero? When Should We Collect Social Security? (Beth and Rip, FL - voice) 12:06 - Watch Retirement Panic Button: 7 Ways to Avoid Hitting It on YMYW TV Calculate your Financial Blueprint Schedule a Free Assessment 13:41 - We Have 10 Rental Properties at Age 31. Are We on Track to Retire at Age 50? (Forrest and Jenny, Cherry Hill, NJ - voice) 20:04 - Spousal IRA Contributions and RMD Rules (Memphis) 32:23 - YMYW Podcast Outro

This week we are just discussing early retirement. Is it even possible today? How might that happen? Can you early retire in the US? Are you even planning for your eventual retirement or will you just work until you die?Listen to us anywhere you consume podcasts!Apple ✅ Spotify ✅ Pandora ✅ Audible ✅ Wherever you want to listen, we are probably there.Join our TikTok, Facebook, Instagram, and YouTube Pages below ⬇️⬇️⬇️TikTokFacebookInstagramYouTubeDonate to the Podcast! Click the link for more info! https://bit.ly/3i6mGAJMusic by Wataboi from Pixabay Support this podcast at — https://redcircle.com/kingly-conversations/donations

Logan and Allie talk about buying early retirement years and how exactly to make that happen.

After 34 years of working for the government I took an early retirement offer, am I good to never work again? 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

I'll begin with a secret: I never cared much about the nuts and bolts of personal finance (the means), but I was rather enamored with the idea of a financially secure life (the ends). In 2018, climbing media was still full of narratives glorifying the poor dirtbag ideal, but that didn't align with my lived experience. I wanted to climb hard, while also yearning for meaningful work and financial security. That's the first half of this story.  Support this project: Buy Me a CoffeeSubscribe to the newsletter: SUBSCRIBE ME!Show Notes and Links at Clippingchains.com

Welcome back to The Cashflow Project! In this episode, we chat with Brett Synicky—real estate investor, licensed agent, and self-directed IRA & solo 401k expert at Sense Financial. Brett shares lessons from his 18+ years in real estate, from helping at his dad's rentals to navigating the 2008 crash. Learn how to use retirement accounts creatively, reduce taxes, and tap into passive investing and private lending. If you're ready to unlock hidden capital and build real wealth, don't miss this one! [00:00] Real Estate & Financial Flexibility [04:45] Real Estate Journey with Solo 401k [09:55] Illusions of Easy Money [12:23] Market Shifts and Career Pivot [16:24] Solo 401k Loan for Real Estate [19:41] "Invest in What You Know" [21:45] Investment Vulnerability Revealed by Covid [26:09] Exploring Retirement Options Proactively [26:46] Currency Devaluation and Asset Strategy [32:32] Bypassing Custodians with LLC or Trust [33:15] Efficient Investment Management Approach [37:58] "Advice: Get Right with God Early" [39:38] No TV: Create Your Vision [43:06] Wealth Growth Monthly Meetings Connect with Brett Synicky! Website LinkedIn Instagram Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

Two unique individuals, two curious stories. Order the official Cabinet of Curiosities book by clicking here today, and get ready to enjoy some curious reading!See omnystudio.com/listener for privacy information.

George and Weezy in the land of Lincoln will have deferred compensation and wonder if they can retire in mid-2026, or even earlier. Will they have enough? Should Jenn in Ohio move with work, take a break, or just retire? She asks Joe Anderson, CFP® and Big Al Clopine, CPA for a brutally honest spitball, today on Your Money, Your Wealth® podcast 538. Plus, Seth isn't sure if he can afford to stay retired at age 52, and whether he should convert his retirement savings to Roth, so he uses an AI voice to ask the fellas for his spitball. And Leon uses his real voice to ask whether REIT ETFs are a good way to get into real estate investing. (Until Big Al returns from his extended European Vacation, enjoy an encore presentation of these questions from an October 2024 episode of Your Money, Your Wealth podcast.) Free financial resources & episode transcript: https://bit.ly/ymyw-538  Test your knowledge: take our Retirement Pop Quiz Watch Retirement Pop Quiz: 18 Questions To Get You Ready to Retire on YMYW TV Download the Retirement Readiness Guide for free Email Us and Request a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life on Kindle!  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:03 - Can “George and Weezy” Retire in 2026 or Earlier With Deferred Compensation? (IL) 12:17 - Pop Quiz, Retirement Readines Guide 13:02 - Should I Move With Work, Take a Break, or Retire Now? Be Brutally Honest (Jenn, OH) 17:43 - Can I Stay Retired at Age 52? Should I Convert Retirement Savings to Tax-Free Roth? (Seth, Montana, AI voice) 24:34 - Ask Joe & Big Al for your Retirement Spitball Analysis, Schedule a Free Financial Assessment 25:30 - Are REIT ETFs a Good Way to Get Into Real Estate Investing? (Leon, Chicago - voice) 33:56 - Request a Free Kindle Copy of The Best of Jonathan Clements,  Watch or Listen to “The Payoff is Huge”: Jonathan Clements' Final Initiative to Empower Lifelong Savers

In this episode, we dive into a topic that's becoming more and more urgent: how healthcare professionals can financially prepare for the possibility of career burnout. We know from data and personal experience with clients that burnout is hitting this sector hard—over 50% of healthcare professionals report symptoms, and a significant number are considering stepping away from their roles entirely. So, we tackle this issue head-on, not from a medical standpoint, but from a financial planning perspective.We start by emphasizing that prevention is key. Just like in medicine, the best remedy for burnout is early action, and that begins with building a solid financial foundation. We explore how consistent savings habits—even when it feels unnecessary—can offer crucial flexibility down the line. Setting aside 20% or more of each paycheck, creating an emergency fund with 6–12 months of expenses, and maintaining liquidity outside of retirement accounts are all smart, actionable steps. We also stress the importance of not delaying financial planning because you assume higher income gives you more time to catch up later. That's a trap we see too often.Next, we look at how to create income flexibility if burnout leads to reduced hours, a role change, or even early retirement. We talk through the importance of evaluating disability insurance—especially with mental health in mind—and how thinking ahead about possible career pivots like consulting or teaching can reduce stress. We also dive into the importance of building passive income streams and using investment strategy to bridge income gaps without needing active work.For those considering early retirement, we advise updating retirement plans immediately to identify any needed changes, recalibrating spending, and optimizing the timing of account withdrawals to minimize taxes. We also cover how to smartly use pensions and healthcare benefits, especially when considering stepping away. Timing really matters here, and small adjustments can have outsized financial impacts.Finally, we go over tactics to manage financial obligations during a career break—reducing debt, refinancing, and communicating with lenders. We talk about using COBRA, marketplace insurance, and HSAs to maintain healthcare coverage. The bottom line is that being proactive with money gives healthcare professionals the power to make the best choices for their well-being—financially and mentally—before burnout forces their hand. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

What's your financial independence number (FI/FIRE number)? Are you being too conservative, or are you cutting things close? Do you even have one? Today, we're taking a deep dive into this hotly debated topic to help you build a nest egg that will support your early retirement! Welcome back to the BiggerPockets Money podcast! How much money do you actually need to retire? For years, the four-percent rule has been the “official” stance of the FI community. But why is it, then, that so many people continue saving and investing when they can comfortably retire? In this episode, Scott and Mindy talk about their own FI numbers, how they calculated them, and how their financial positions have evolved over time. You'll learn whether the four-percent rule still works today or if you need a larger buffer! If you're worried about inflation, one of the best things you can do is keep your living expenses in check. This might seem out of your control, but there are several ways to either lock in certain costs or eliminate them entirely. We'll discuss the many advantages of a paid-off house, self-managing your rental properties in retirement, and a one-time investment that could help you save thousands of dollars over your lifetime! In This Episode We Cover How to calculate your financial independence number (and when to adjust it!) The four-percent rule explained (and whether it still works in 2024) Why most people chasing FIRE don't retire on the four-percent rule How to control your expenses and protect against inflation in retirement The “home run” investment that could save you thousands of dollars And So Much More! Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg is overwhelmed by menial studio tasks Courtney usually takes care of // Tully Banta Cain randomly stops by to talk about his beach football league // Wiggy's fired up to go see Wu-Tang Clan at the Garden tonight //

Dental practice owners Dr. David Salomons and Dr. Adam Underwood share their transformative experiences partnering with Four Quadrants Advisory. Dr. Salomons, initially skeptical, credits the collaboration with accelerating his retirement. Dr. Underwood, a newer owner, valued comprehensive guidance from the start. Both dentists highlight how an external team handling business and finances freed them to focus on patient care and reduced stress. They advise other practice owners to seek expert guidance to achieve the next level of success.Interested in more info on how to: Earn More, Save More, and Retire EarlyUpcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

‘That money has gone, and I just wanted to emphasise how scary that is', says Advocate Brett Ladouce.

Financial freedom isn't just a dream—it's a reality for those who embrace smart investing strategies, and Dr. Christopher Loo is living proof. In this episode of the Freedom Point Podcast, Dr. Loo shares how he reached early retirement by age 38, using a mix of real estate investing, stock investing-trading, multiple streams of income, and strategic risk management.We explore how he built passive income through single-family rental properties, especially during the 2008 financial crisis investing window. This episode is especially valuable for those interested in investing for physicians, as Dr. Loo explains how high-income professionals can create a realistic plan to escape the time-for-money trap.If you're searching for answers on how to break free from a demanding career, create passive income, or understand the mindset needed for early retirement, Dr. Loo's journey will resonate deeply. His story isn't just inspiration—it's a guidebook to aligning your investing strategy with your goals.

On this episode of Your Retirement Radio Podcast, Kevin discusses the challenges and strategies associated with early retirement planning. He emphasizes the importance of considering longevity, healthcare costs, and the need for a diversified investment strategy that includes both guaranteed income and market-based investments. The discussion also covers the limitations of relying solely on 401(k) plans and the necessity of creating a comprehensive retirement roadmap to ensure financial security in retirement. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this Topical Tuesday episode, I spoke with Scott Trench, who is the former CEO of BiggerPockets, and the author of Set for Life - Dominate Life, Money, and the American Dream. He's also an investor, a financial freedom advocate, and the co-host of the Bigger Pockets Money podcast. Be sure to tune in if you're interested in learning about: How Scott built financial freedom through frugality, house hacking, and small multifamily properties Why many “FIRE” investors struggle to actually withdraw from their portfolios, and what to do instead Lessons from investing as an LP in syndications and how to assess operator credibility and deal quality Scott's outlook on multifamily real estate and what to expect in the next few years To your success, Tyler Lyons Resources mentioned in the episode: Scott Trench BiggerPockets Money Podcast YouTube Instagram LinkedIn   Interested in learning how to take your capital raising game to the next level? Meet us at Capital Raiser's Edge. Learn more here: https://raisingcapital.com/cre

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! Are you ready to retire? Discover the critical truths about retirement planning with Nolan Baker. Learn how to avoid costly mistakes, master income withdrawal strategies, and uncover hidden risks that could derail your future. From taxes to healthcare to the power of a retirement coach, this episode is your fast track to financial confidence. Don’t just save—strategize. Your retirement clock is ticking—download now and take control of your financial future! About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

If my employer, a federal agency, offers an early retirement option, can I say yes and call it quits? 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

Is Medicare more confusing than it should be? If you're nearing retirement or thinking about leaving your job early, the healthcare piece can feel overwhelming and expensive. In this episode, we sit down with Cole Craven, co-founder of Move Health, to demystify the complexities of Medicare, healthcare costs, and early retirement planning. Listen in to learn how to time your enrollment correctly, what your healthcare options are if you want to retire before 65. and more.  Take The Pilot Wealth Index to find out if you are on track for retirement! You can find show notes, resources and more at: https://tinyurl.com/3v67de6s

Social Security might be the most universally recognized piece of the retirement puzzle, but that doesn't make the decision around it any easier. Whether you're planning to claim early or wait it out for a bigger monthly check, the debate is louder than ever—especially for high-income ER docs who might not “need” the benefit right away. Is there a universal answer to taking SS early or late? We'll discuss that today.

Retirement doesn't come down to a magic number, it comes down to your number. In this episode, we walk through a simple, personalized framework to help you understand when you can truly retire, based on what you want life to look like, not generic benchmarks.We cover the core question: How much do you want to spend each month? From there, we reverse-engineer your retirement target, factoring in taxes, withdrawal strategies, estate planning, and those big one-time expenses that often get missed.And it's not just about the math. We dive into the emotional side of retirement. It's about how to find purpose, identity, and meaning in this next chapter. Whether retirement feels decades away or just around the corner, this episode will help you stop guessing and start planning with clarity.- 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 your CPA or attorney 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 endorsements.Participation 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.

Dreaming about retiring early, but worried you'll never have enough? On this episode of Retire Sooner with Wes Moss, Wes and Christa DiBiase break down powerful strategies and mindset shifts that could help folks retire sooner and happier, including: • Tap Your IRA Early—Penalty-Free: Learn how Rule 72(t) and SEPPs can sometimes unlock your IRA before many expect and how that might help customize an early retirement plan. • Rule of 55 vs. Rule 72(t): Compare two powerful early withdrawal strategies and discover which one could work for your retirement timeline. • Smart Rollover and Roth Moves: Wes tackles listener questions on IRAs, dry powder strategy, and recovering from past investing mistakes. • S&P 500 or Total Market Index? Find out which fund could fit your growth goals—and why broad diversification is often a winning strategy. • The Real Source of Retirement Happiness: New research reveals it's not just money—core pursuits like travel, hobbies, and connection can fuel lasting joy. • Annuities & Life Insurance—Worth It? Explore the pros, cons, and ideal timing for annuities and whole life policies in your retirement plan. Let years of retirement planning, actionable anecdotes, relatable listener questions, and eye-opening research fine-tune your investment and happiness game plan. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textMastering Financial Independence: Cutting Expenses for Early RetirementIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, offers high-income earners practical strategies to achieve financial freedom and retire early. He emphasizes the significance of prudent money management instead of just high earnings. Hunter identifies and advises on optimizing five key expenses: lifestyle creep, housing costs, dining out, unused subscriptions, and high-interest debt. The episode includes actionable tips like setting spending boundaries, conducting quarterly subscription audits, and implementing debt repayment strategies. Listeners are challenged to cut one expense category this week to improve their financial health.00:00 Welcome to The Retire Early Retire Now Podcast00:41 The Trap of Lifestyle Creep01:04 Five Key Expenses to Cut or Optimize02:23 Expense 1: Lifestyle Creep06:42 Expense 2: High Housing Costs11:41 Expense 3: Dining Out and Convenience Spending13:20 Expense 4: Unused Subscriptions and Memberships14:52 Expense 5: High Interest Debt17:36 Final Thoughts and Listener Challenge18:25 Closing Remarks and DisclaimersCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Want to retire early? What about early retirement AND making millions of dollars tax-free? Only one real estate investing strategy gives you the ability to do both, but 99% of investors won't try it. Why? We don't know because today's two guests, as well as Dave, are all using this investing strategy in 2025 to make a killing on their real estate deals. It's not house hacking, it's not medium-term rentals, and it's not private lending—it's live-in flipping. Never heard of live-in flipping? There's a good reason—nobody is doing it, even though it boasts the biggest benefits of almost any real estate strategy out there. This method enabled Mindy Jensen to accumulate millions of dollars in net worth by her early 50s, much of which was tax-free. The same strategy is being used by Ashley Kehr and Dave to make hundreds of thousands of dollars in profit simply by buying a house, fixing it up while living in it, and reselling it. How does this get you to early retirement? Simple: you make hundreds of thousands tax-free, more than what your job might pay you over several years, dramatically boosting your bank account and allowing your investments to multiply way faster. Anyone can do it—whether you're single, have a partner, or kids—and the benefits are unbeatable. Wanna know how to start? Mindy, the expert on live-in flips, is sharing her secrets in today's episode.  In This Episode We Cover Live-in flipping 101, the best real estate strategy for tax-free millions  What type of house makes the best live-in flip (with the highest profits) What level of renovation to put into the house (DON'T pick your favorite upgrades) Tips to keep your family comfortable while live-in flipping, especially if you have kids  Financing a live-in flip and one easy way to get a lower interest rate  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1133 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

We interviewed Eddie Speed, America's most experienced note buyer and owner of Colonial Funding Group LLC. He brings over four decades of expertise and 50,000+ closed note deals to Deal-Maker Richmond. As a pioneering force in the note buying industry, Eddie specializes in helping real estate investors and property owners unlock hidden value in their seller-financed portfolios.***DON'T KNOW WHERE TO START WITH FRANCHISING? Grab Bob Bernotas' free course for a limited time only at edu.franchisewithbob.com/idealINTERVIEW HIGHLIGHTS[00:00-02:22] A Journey into Note Investing[02:23-07:52] Deep Dive into Selling Notes[07:53-11:07] Challenges in the Rental Property Market[11:08-14:45] Owner Financing can be your solution[14:46-15:51]Sponsor: Franchising made easy[15:52-21:55] Is Notes investing better than REI?[21:56-23:01] Playing with both strategies[23:02-29:32] Diversify with notes[29:33-34:23] Intro to Notes investing[34:24-36:49] Investor Q&ASpecial mention: Warren Buffetthttps://noteschool.comAny questions?*** Grab my 10k/month passive income strategy and weekly newsletters at https://tinyurl.com/iwg-strategy BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing

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 3172: Darrow Kirkpatrick shares practical strategies to cut expenses without sacrificing quality of life, from optimizing grocery shopping and transportation choices to cultivating better health and generosity. His advice reveals how small, mindful shifts can dramatically reduce spending and accelerate early retirement, all while enhancing personal well-being. Read along with the original article(s) here: https://www.caniretireyet.com/8-tips-for-saving-big-and-retiring-earlier/ Quotes to ponder: "Food is the most frequent major expense, and it is intimately tied up with health. Awareness pays dividends." "It's liberating to disconnect your self-image from your vehicle." "Generously and wisely allocating resources without desperately hanging on to each dollar, is a mindset that also leads to recognizing and capitalizing on opportunities for personal prosperity." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast,  we are going to do a Money Q&A about  my retirement plan charges 1.38%. Is it robbing me of my future? Today we are going to answer these questions!  Question 1: What should my next steps be after paying off a personal loan—emergency fund, car savings, or student loans? Question 2: What's the best investment or savings account to open for my 5-year-old to start learning about money? Question 3: Is it worth contributing to a Roth 457(b) with a 1.385% fee, or should I focus on low-cost accounts? Question 4: I'm in the military maxing out TSP and Roth IRA—what else can I do to retire early? And how can my parents retire with $150K at age 55? Question 5: I'm new to investing with $30K in cash—should I just dump it into an index fund, or do something more? Question 6: We're 48 and 49, saving aggressively with no debt—how do we ensure we hit our $1.5M retirement goal by age 55? Question 7: We rolled over $35K into an IRA, have $125K in a 401(k), and big home equity—how do we build wealth and retire early in California? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/ Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop Data Plans and Save Big at mintmobile.com/pfp  Go to https://joindeleteme.com/PFP20/ for 20% off!  Links Mentioned in This Episode:  How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco, and More! With Katie Gatti (From Money With Katie!) 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 The 1-3-6 Method For Building & Managing Your Emergency Fund Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

What's the scariest part of retiring early? For many, it's not just about money—it's the unknowns that come after leaving work behind. In this candid conversation, Eric and Jason unpack the biggest fears they and others faced on the path to FIRE, from financial worries and healthcare to identity shifts and societal judgment. Whether you're planning your own early retirement or already there, this episode will help you feel less alone and more prepared. Show notes: https://twosidesoffi.com/fears

The 4% withdrawal rule does not apply to early retirees since it's based on a 30-year timeline, not the 40+ years needed for early retirement. Guyton's guardrails approach offers a better alternative, allowing for 5.2-5.6% withdrawal rates by adapting spending based on market performance.• Guardrails approach uses flexible withdrawal rates that increase when markets perform well and decrease during downturns• Traditional 4% rule based only on S&P 500 and intermediate US bonds, while diversification across asset classes can increase safe withdrawal rates• First years of retirement often have high expenses (healthcare, education, travel) when your portfolio is most vulnerable• Bowling analogy: retirement planning with guardrails is like bowling with bumpers to avoid gutter balls• Business analogy: like a business owner, spend more when times are good, cut back when they aren't• Creating a "war chest" of safe assets reduces pressure on your growth investments during market downturns• Stress test your retirement plan against worst-case scenarios: market crashes, reduced Social Security, high inflation, living to 100- 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 your CPA or attorney 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 endorsements.Participation 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.

I recently accepted an early retirement offer, but I have a few weeks to change my mind before it becomes official. Should I reconsider? Have a money question? Email us ⁠⁠here⁠⁠ Subscribe to ⁠⁠Jill on Money LIVE⁠⁠ Subscribe to ⁠Jill on Money Newsletter⁠ YouTube: ⁠⁠@jillonmoney⁠⁠ Instagram: ⁠⁠@jillonmoney 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 solo episode, I'm revisiting a blog post I wrote eight years ago—one where I boldly declared that I wanted to retire by 40. You'll hear me read the post out loud and reflect on what actually came true, what's changed since then, and the parts I didn't expect.  If you've ever thought about what your life could look like beyond the 9–5 or you're just starting to dream about a different path, remember that it's okay for your definition of success to evolve—and that you're never too late to start. In This Episode, I Share: The blog post I wrote when I first dreamed of retiring early and what I actually made happen—like quitting my job and turning Journey to Launch into a business How my view of retirement has shifted and what I didn't expect emotionally and mentally about entrepreneurship Why I've become more flexible with money and life goals over time How I used my FIRE Calculator to model my exit strategy—before I felt “fully ready” Other Links Mentioned in episode:  Read my early retirement goals blog post here: journeytolaunch.com/blog/my-early-retirement-goals Get the FIRE Calc Tool and join us for the next LIVE class here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

For decades, the 4% rule has been the calculation every FIRE chaser has used to determine when they can retire early—risk-free. The math is simple: have a portfolio big enough to withdraw 4% per year to fund your lifestyle. But there's one BIG problem with the 4% rule that nobody is talking about—a problem that could force you to work longer, ruin your retirement lifestyle, and put your portfolio in jeopardy if you don't plan carefully. Tyler Gardner, former portfolio manager and financial advisor, is back on the show to share why much of the FIRE community may be wrong about this “rule.” Scared of not having enough to retire, retiring during a market crash, or being forced to be frugal once you leave the workforce? That's precisely what we're talking about in today's episode. The 4% rule has become untouchable within the FIRE movement, but its hard-and-fast downsides may lead to your FIRE's demise.  Tyler shares what he thinks is the ultimate FIRE portfolio allocation, why he's way more bullish on stocks and index funds than bonds, EVEN during retirement, and why target date retirement funds—often scoffed at—can actually help protect your portfolio once you FIRE. If you're planning on retiring early with the 4% rule, think again. All of us have our doubts, and we're sharing them today.  In This Episode We Cover Why the 4% “rule” is WRONG for most FIRE chasers, and why withdrawing only 4% could be a mistake  The new (updated!) FIRE number that most people should be chasing  Hate your job and want to retire early? Here's why you should find a better career (NOT quit) instead  The ultimate FIRE portfolio allocation and why a target date retirement fund actually makes sense for many  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook Subscribe to the BiggerPockets Money YouTube Channel! Connect with Tyler on Instagram Connect with Tyler on TikTok Your Money Guide on the Side Podcast Want to FIRE in 2025? How to Prepare for Early Retirement w/Emma von Weise Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Get to FIRE Faster with “Set for Life” Sign Up for the BiggerPockets Money Newsletter Find an Investor-Friendly Agent in Your Area (00:00) Intro (02:05) Is the 4% Rule Wrong?(06:05) This Saves Your FIRE (10:09) “One More Year” Syndrome(14:33) Healthcare in Early Retirement(16:34) Ultimate FIRE Portfolio Allocation(24:29) Include Real Estate?(29:49) Target Date Retirement Funds(36:25) Don't Quit Working? (54:30) Find a Job You LOVE(57:02) Connect with Tyler!(58:30) FIRE Chasers Are Wrong! Check out more resources from this show on ⁠⁠⁠BiggerPockets.com⁠⁠⁠ and ⁠⁠⁠https://www.biggerpockets.com/blog/money-637 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types of Accounts: Taxable brokerage accounts versus traditional IRAs and 401ks have distinct tax consequences affecting retirees. Tax Treatment: Withdrawals from traditional retirement accounts are taxed as ordinary income, while long-term capital gains from taxable accounts are taxed at a lower rate. Strategic Tax Planning: Employing strategies such as Roth conversions and tax gain harvesting can significantly minimize tax impacts during retirement. Investment Placement: It's vital to manage tax-efficient placements for investments, especially during retirement. Timestamps 00:00:00 - Podcast Intro: Introduction to the episode topic. 00:04:36 - Taxable Brokerage Accounts vs Traditional Accounts: Discussion on the terminology and tax implications. 00:09:59 - Tax Strategies and Opportunities: How to minimize taxes in retirement using investments. 00:23:10 - Roth Conversions Explained: Understanding the benefits of converting retirement accounts. 00:48:13 - Conclusion and Future Topics: Wrap up and upcoming episode topics. Key Insights Tax Treatment of Withdrawals: Withdrawals from a traditional IRA are taxed as ordinary income. (00:04:36) Understanding Taxable Brokerage Accounts: "Taxable brokerage accounts" may be better understood as your basic savings or investment accounts. (00:05:07) Investment Strategies: Use tax-advantaged accounts to defer taxes on income. (00:09:59) Minimize taxes with proper investment placements and strategies like tax gain harvesting. (00:23:10) Roth Conversions: Roth conversions allow you to transfer pre-tax retirement accounts into a Roth IRA and pay taxes on the converted amount, providing tax benefits later. (00:26:56) Actionable Takeaways Understand Account Types: Familiarize yourself with the differences in tax treatment between taxable brokerage accounts and traditional retirement accounts. (00:04:36) Maximize Tax Efficiency: Consider implementing Roth conversions to streamline taxes during retirement. (00:26:56) Tax-Efficient Investments: Be strategic about investment placements—opt for tax-efficient funds to minimize taxable income. (00:23:10) Related Resources Kitcis Article on IRA Strategies: Read here (00:52:55)   Rachael Camp   Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.