Podcasts about early retirement

Having over a million saved does not automatically mean you can retire early. Where your money sits matters just as much as how much you have.In this episode, Ari walks through a real case of a 47 year old aiming to retire at 55. On paper, the numbers look strong. But most of the assets are tied up in retirement accounts, which creates a gap in the years before those funds are easily accessible.Ari explains why this is often called being “qualified rich” and how it can delay retirement even when you have done everything right. The conversation shifts to what actually creates flexibility. Brokerage accounts, cash strategy, and how to position assets so income can be generated when you need it most.The deeper question is not just whether retirement is possible. It is how early it can happen and what tradeoffs are worth making to get there.Because retirement is not about having enough on paper. It is about having access to your money when it matters.--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.

Could retiring sooner than expected be possible—or are there important trade-offs you need to consider first? Frankie Guida explores the financial and lifestyle factors behind early retirement, including income replacement, healthcare costs, Social Security timing, and retirement spending strategies. He discusses why understanding your goals matters just as much as running the numbers, and how evaluating different retirement timelines can help you make informed decisions about your next chapter. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Wanting to retire in five years is a good goal. Knowing if you actually can is a different question.In this episode, Ari walks through a real case study of someone in their early fifties trying to determine if early retirement is realistic. The numbers look strong at first glance. But the real question is not how much you have saved. It is whether your plan supports the life you want to live.Ari breaks down how income would be generated in the early years, how account structure impacts taxes, and why having access to flexible funds can make or break an early retirement plan. He also highlights the tradeoff many people miss. Continuing to save more versus letting the portfolio do the work through growth.The takeaway is simple. Retirement is not just about hitting a number. It is about understanding how that number turns into income, adapts to change, and supports your lifestyle over time.Because the goal is not just to retire. It is to retire on your terms.--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.

Some new research suggests that it might be healthier for us if we stayed employed just a little bit longer. Guest: Shaun Humphries - Senior Financial Planning Advisor at Humphries Wealth Group, Humphries wealth group dot com, Host of All Things Retirement on Youtube Learn more about your ad choices. Visit megaphone.fm/adchoices

Six million dollars sounds like enough to retire. But that number alone does not answer the question.In this episode, Ari responds to a real listener wondering if they can retire at 59 with significant savings. The surprising truth is that the portfolio is not the starting point. Spending is.Ari walks through a simple way to reverse engineer retirement. Define what your lifestyle actually costs, layer in healthcare, travel, and one time expenses, then work backward to see what your portfolio needs to support. Without that clarity, it is easy to keep chasing a bigger number and delay retirement longer than necessary.The numbers matter. But so does the life you are trying to fund. What you are retiring from and what you are retiring to can change the answer just as much as any spreadsheet.Because retirement is not about hitting a number. It is about knowing what that number needs to do for you.--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.

Reaching financial independence is only half the battle, knowing how to withdraw your money in early retirement is just as important. The right withdrawal strategy can help you minimize taxes, avoid unnecessary penalties, and make your portfolio last longer. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down six early retirement withdrawal frameworks. Whether you're planning to retire before age 59.5 or you're already financially independent, you'll learn how to access your retirement savings, reduce your tax bill, and create a withdrawal plan that fits your goals. If you're pursuing FIRE (financial independence retire early), this episode will help you make smarter decisions with the money you've worked so hard to build. Resources from this episode: To access the slides from this episode: www.biggerpocketsmoney.com/withdraw To use the Healthcare Costs Projection App: https://biggerpocketsmoney.com/healthcarecosts/ To go beyond the podcast: Kick start your financial independence journey with our FREE financial resources - https://biggerpocketsmoney.com/ Subscribe on YouTube for even more content- www.youtube.com/biggerpocketsmoney  Connect with us on social media to join the other BiggerPockets Money listeners - https://www.facebook.com/groups/BPMoney We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Jimmy Turner cut back to part-time at 35—and ended up on antidepressants. FIRE wasn't the escape hatch he expected. FIRE—financial independence, retire early—promises an exit from burnout. But what happens when you finally get there and realize you don't know who you are without medicine? Jimmy and Justin make the case for FIWO (financial independence, work optional) instead. Resources: Disability Insurance: Every physician needs to get individual disability insurance while in training. Get a quote from Money Meets Medicine Disability Insurance, a company you can actually trust. Built by doctors, for doctors.  Does your CPA only reach out in March each year and show you a giant tax bill? You need tax strategy, not just tax filing. Click here to get a 10% discount code to work with Gelt, the same tax strategy team that Jimmy personally uses.  Every physician needs basic financial literacy. Get a free copy of Dr. Turner's best-selling book, The Physician Philosopher's Guide to Personal Finance.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Labour Federation, COSATU has raised concerns over reported shortages and staffing pressures at the National Prosecuting Authority. COSATU says the NPA is facing a shortage of prosecutors, compounded by early retirements and high vacancy rates, at a time when the country is battling rising levels of crime, corruption, and increasingly sophisticated criminal syndicates. The federation warns that ongoing budget constraints and understaffing are weakening the state's ability to effectively prosecute crime and deliver justice. We spoke to Matthew Parks, COSATU's Parliamentary Coordinator.

Advertiser Disclosure: This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. All opinions, analyses, and recommendations are the author's alone, not those of any bank, credit card issuer, airline, or hotel chain. Military Money Manual may receive compensation from JPMC. Spencer joins the Foxhole to talk about something most veteran benefit conversations skip: what happens when you take those benefits outside the United States. A former Air Force C-17 pilot now living in New Zealand, Spencer shares hard-won lessons on collecting VA compensation abroad, navigating overseas healthcare, stretching the GI Bill, and the realities of immigration and quality of life beyond the U.S. border. Topics Covered Spencer's background: Air Force ROTC, flying the C-17 for 10 of 12 active-duty years, and leaving at the 12-year mark without a 20-year pension How militarymoneymanual.com started and the military's unique investing culture The TSP, Roth IRA, and the "triple tax benefit" of contributing while deployed in a combat zone Collecting VA disability compensation anywhere in the world via direct deposit and foreign bank accounts Using the Wise app for low-cost currency conversion and multi-currency accounts (vs. the old daily-ATM-withdrawal trick) The limits of VA healthcare overseas and the frustrations of scheduling from abroad Using AI tools and VA chatbots to help with disability claims (and a caution about predatory claim firms) GI Bill benefits at overseas universities, including OCONUS BAH and host-country student stipends What healthcare actually costs abroad: New Zealand's public/private systems, plus cash-pay care in Thailand, the Philippines, and Vietnam Residency and immigration pathways: EU citizenship by ancestry, New Zealand's investor visa, marriage, the student-visa route, and Germany for retired U.S. military The case for trying before committing: rent an Airbnb and live somewhere for a month or two first Quality of life abroad vs. the U.S. — social safety nets, lower "hustle culture," and Spencer's observations on trust and anxiety back home Resources Mentioned Military Money Manual community app — launching in beta; coming to the Apple App Store and Google Play Instagram — @militarymoneymanual Wise app — currency conversion and multi-currency banking The Military Guide to Early Retirement and Financial Independence by Doug Nordman The Military Wallet by Ryan Guina The Golden Albatross by Grumpus Maximus — on evaluating defined-benefit pension "cliffs" Bogleheads — the simple, low-cost, automated investing philosophy Spencer follows va.gov and the VA mobile app — for tracking claims and updating your address GI Bill — Chapter 33 vs. Chapter 35 considerations for overseas study TSP, Roth IRA, USAA — referenced throughout ACC (Accident Compensation Corporation) — New Zealand's no-fault accident coverage Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 24,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like the Chase Sapphire Reserve® Card. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual. Offers may be expired: Offers, rates, fees, and benefits are subject to change and may have ended since this video was published — please verify the current terms on the issuer's official website before applying. Terms apply, and all cards are subject to credit approval. Any comments below are from individual users and are not provided, reviewed, approved, or endorsed by any issuer.

In this episode: Google layoffs, globally work optional FIRE, Taiwan and Portugal FIRE numbers, Coast FI, finding a meaningful calling with Erika HoEpisode SummaryErika Ho shares how being laid off from Google created both stress and relief—and gave her space to build a life beyond corporate achievement. She explains “globally work optional,” the realization that her family could retire now in places like Taiwan or Portugal, and how that clarity helped her go all in on financial coaching. Erika and Adam also explore Coast FI, slowing down, and using mindfulness to hear what life is calling you toward.Guest BioErika Ho is a former Google data scientist and marketing analytics professional who now runs Holy Path to FIRE, a financial coaching business helping people pursue financial independence with more clarity, meaning, and intention.Resources & Books MentionedMindful FIRE Envisioning Guide Holy Path to FIRE Erika's Layoff Checklist Erika Ho on LinkedIn Erika Ho's Contact InformationWebsite LinkedIn InstagramKey TakeawaysA layoff can reveal relief beneath fear when you realize you no longer have to pretend a path fits.“Globally work optional” expands FIRE beyond one expensive location and creates more choices now.Coast FI can be permission to pursue a meaningful “holy path” instead of waiting for a Fat FI number.Getting quiet—through walks, meditation, or time off—creates space to hear the whispers of what you want.Join the Mindful FIRE Legends community at MindfulFIRE.org/join.PS: Introducing the…

Thinking about retiring early? The real trade-offs may be bigger than you expect. Abe Abich breaks down three key areas to evaluate before making the jump: defining what you’re retiring to, understanding the financial realities of a longer retirement timeline, and building an income strategy that adapts to change. He also explores how part-time work or phased retirement can help maintain structure and support income. If early retirement is on your radar, this conversation highlights factors worth considering before making a decision. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Reserve Your Spot: https://grow.rootfinancial.com/early-retirement-workshop-friday-october-9th (use code OPTIMIZE2026)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.

Have you noticed a layoff trend among the tech giants and mega corporations? Meta laid off 8,000 employees (nearly 10% of its workforce, reported in May, 2026), Oracle with 21,000 over the course of a year (the firm's latest annual report shows), and of course, WalMart has conducted periodic workforce reductions. This has raised the question, what do individuals in their 50s or 60s do if they find themselves in this unpredictable situation? Can they find a new job? Should they retire early? What are their options? How can one be prepared for this? Matt, John and Isaac discuss what this AI-driven shift means for your career, wealth building, and long-term financial planning.    We also compare the historic performance of major IPOs with the highly anticipated SpaceX public debut last week and we look at what history tells us about market volatility when a new Fed Chair takes the reins.    Topics Discussed: ➡️ Career Transitions Later in Life: Financial planning considerations when facing unexpected  employment changes. ➡️ Managing Financial Risk: The role of debt, liquidity, and diversification during periods of uncertainty. ➡️ Employer Stock Exposure: Evaluating concentration risk within compensation and retirement accounts. ➡️ IPO Trends: A look at historical outcomes of large IPOs and how results can vary widely. ➡️ Market Context: Observations from past market environments and leadership transitions.    Enjoyed the episode? Don't forget to:

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 3598: Chris explores why he willingly delayed financial freedom to take a year-long mini-retirement and spend more time with his young children while they still want him around. His story offers a thoughtful perspective on balancing long-term wealth with the fleeting opportunities that family life provides. Read along with the original article(s) here: https://www.keepthrifty.com/trade-financial-freedom-mini-retirement/ Quotes to ponder: "Enjoy these moments. They grow up so fast. Before you know it, they'll be all grown up and you'll wonder where the time went." "My kids are more important to me than just about anything in this world, and they aren't going to stay little forever." "Trading twenty-seven months of financial freedom for fourteen months of mini-retirement now seems like a pretty good deal when you put our life situation in context." Episode references: Mr. Money Mustache: https://www.mrmoneymustache.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3598: Chris explores why he willingly delayed financial freedom to take a year-long mini-retirement and spend more time with his young children while they still want him around. His story offers a thoughtful perspective on balancing long-term wealth with the fleeting opportunities that family life provides. Read along with the original article(s) here: https://www.keepthrifty.com/trade-financial-freedom-mini-retirement/ Quotes to ponder: "Enjoy these moments. They grow up so fast. Before you know it, they'll be all grown up and you'll wonder where the time went." "My kids are more important to me than just about anything in this world, and they aren't going to stay little forever." "Trading twenty-seven months of financial freedom for fourteen months of mini-retirement now seems like a pretty good deal when you put our life situation in context." Episode references: Mr. Money Mustache: https://www.mrmoneymustache.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3598: Chris explores why he willingly delayed financial freedom to take a year-long mini-retirement and spend more time with his young children while they still want him around. His story offers a thoughtful perspective on balancing long-term wealth with the fleeting opportunities that family life provides. Read along with the original article(s) here: https://www.keepthrifty.com/trade-financial-freedom-mini-retirement/ Quotes to ponder: "Enjoy these moments. They grow up so fast. Before you know it, they'll be all grown up and you'll wonder where the time went." "My kids are more important to me than just about anything in this world, and they aren't going to stay little forever." "Trading twenty-seven months of financial freedom for fourteen months of mini-retirement now seems like a pretty good deal when you put our life situation in context." Episode references: Mr. Money Mustache: https://www.mrmoneymustache.com/ Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3597: Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows how reducing expenses and increasing investments can make retiring in under ten years a realistic goal for some households. Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-retire-in-under-ten-years Quotes to ponder: "The key to retiring in less than ten years is all about increasing your savings rates." "Whatever method you choose, the goal should be to increase your savings rate by as much as possible." "The point is that by increasing your savings rate, you are propelling yourself closer to FIRE." Episode references: Financial Independence, Retire Early (FIRE): https://en.wikipedia.org/wiki/FIRE_movement The Trinity Study: https://en.wikipedia.org/wiki/Trinity_study Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3597: Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows how reducing expenses and increasing investments can make retiring in under ten years a realistic goal for some households. Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-retire-in-under-ten-years Quotes to ponder: "The key to retiring in less than ten years is all about increasing your savings rates." "Whatever method you choose, the goal should be to increase your savings rate by as much as possible." "The point is that by increasing your savings rate, you are propelling yourself closer to FIRE." Episode references: Financial Independence, Retire Early (FIRE): https://en.wikipedia.org/wiki/FIRE_movement The Trinity Study: https://en.wikipedia.org/wiki/Trinity_study Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. 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 3597: Christina Browning explains how a high savings rate, combined with long-term investing and compound growth, can dramatically shorten the path to financial independence. By breaking down the 4% Rule with practical examples, she shows how reducing expenses and increasing investments can make retiring in under ten years a realistic goal for some households. Read along with the original article(s) here: https://www.ourrichjourney.com/post/how-to-retire-in-under-ten-years Quotes to ponder: "The key to retiring in less than ten years is all about increasing your savings rates." "Whatever method you choose, the goal should be to increase your savings rate by as much as possible." "The point is that by increasing your savings rate, you are propelling yourself closer to FIRE." Episode references: Financial Independence, Retire Early (FIRE): https://en.wikipedia.org/wiki/FIRE_movement The Trinity Study: https://en.wikipedia.org/wiki/Trinity_study Wealthfront's high-yield Cash Account: ⁠https://wealthfront.com/OFD⁠ This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at ⁠wealthfront.com/promo-terms⁠.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Wondering when to claim Social Security—at 62, 67, or 70? This episode unpacks the permanent reductions of early claiming, the power of delayed retirement credits, and how your decision can swing your lifetime benefits by over $100,000. For more, visit https://meliagroup.com/social-security-analysis/ Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Does my retirement plan work as is or should I be looking to buy a deferred income annuity?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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 3591: Brandon Turner shares the surprising reality that reaching financial freedom at 26 left him feeling unfulfilled rather than liberated. His experience reveals that financial independence is most powerful when it serves a larger purpose, challenging listeners to look beyond escaping work and focus instead on building a meaningful life driven by passion, contribution, and long-term goals. Read along with the original article(s) here: http://www.mrmoneymustache.com/2013/03/23/reader-story-the-man-who-thought-early-retirement-sucked/ Quotes to ponder: "I had simply had enough money not to work anymore. In other words, I had just enough money to wait around for death." "So, I had identified the problem: financial freedom sucks if that's all it's about." "I thought that financial freedom was the freedom to do whatever I wanted, and I wanted sleep." 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 3591: Brandon Turner shares the surprising reality that reaching financial freedom at 26 left him feeling unfulfilled rather than liberated. His experience reveals that financial independence is most powerful when it serves a larger purpose, challenging listeners to look beyond escaping work and focus instead on building a meaningful life driven by passion, contribution, and long-term goals. Read along with the original article(s) here: http://www.mrmoneymustache.com/2013/03/23/reader-story-the-man-who-thought-early-retirement-sucked/ Quotes to ponder: "I had simply had enough money not to work anymore. In other words, I had just enough money to wait around for death." "So, I had identified the problem: financial freedom sucks if that's all it's about." "I thought that financial freedom was the freedom to do whatever I wanted, and I wanted sleep." 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 3591: Brandon Turner shares the surprising reality that reaching financial freedom at 26 left him feeling unfulfilled rather than liberated. His experience reveals that financial independence is most powerful when it serves a larger purpose, challenging listeners to look beyond escaping work and focus instead on building a meaningful life driven by passion, contribution, and long-term goals. Read along with the original article(s) here: http://www.mrmoneymustache.com/2013/03/23/reader-story-the-man-who-thought-early-retirement-sucked/ Quotes to ponder: "I had simply had enough money not to work anymore. In other words, I had just enough money to wait around for death." "So, I had identified the problem: financial freedom sucks if that's all it's about." "I thought that financial freedom was the freedom to do whatever I wanted, and I wanted sleep." Learn more about your ad choices. Visit megaphone.fm/adchoices

Thinking about retiring early—do you know the key ages that could shape your entire strategy? In this episode, Abe Abich walks through the six critical retirement milestones that influence when and how you access income. From the Rule of 55 to Social Security timing and Medicare eligibility, the discussion highlights how each age can affect taxes, benefits, and long-term planning. Abe explains how these decision points connect and why understanding them can help you better prepare for the transition into retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

1024. Are you ready to quit working or to begin a financially independent lifestyle? Laura covers four ways to access your retirement funds without paying a hefty 10% early withdrawal penalty before 59.5. Key takeawaysUsing a tax-advantaged retirement account has many benefits, but one downside is typically paying a 10% penalty for withdrawals before age 59.5.The rule of 55 is an IRS rule that allows employees to take penalty-free retirement plan distributions when they leave during or after the calendar year of their 55th birthday.With a Roth IRA, you can withdraw your original contributions at any age, for any reason, entirely tax- and penalty-free. A SEPP or 72(t) payment plan is an IRS rule that allows you to take equal distributions from a retirement account penalty-free, no matter your age, if you follow strict guidelines. A brokerage account allows you to take distributions penalty-free, no matter your age, but doesn't offer the tax perks of a retirement account.Upcoming Wedding Series Coming Up: We want your questions about wedding finances! Whether you're the bride, groom, or a guest, send us your questions about budgeting for the big day. Email: money@quickanddirtytips.com or leave a voicemail: (302) 364-0308. Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

With the goal of having more control over my time, I'm considering early retirement. Do the numbers work? 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.

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 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." 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 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." 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 3577: Jillian Johnsrud compares life to a garden box, explaining how an unchecked career can crowd out relationships, hobbies, health, and purpose long before financial independence arrives. She shares a practical approach to early retirement success through pruning back work, taking mini-retirements, and nurturing small “seedlings” of meaningful activities so life after work feels fulfilling instead of empty. Read along with the original article(s) here: https://www.jillianjohnsrud.com/how-to-avoid-early-retirement-failure/ Quotes to ponder: "It's okay to love your work. But if it's stealing time, energy, and focus from other areas of your life, you're going to have to work hard to keep it in check." "While life might be like a box of chocolates, I'd say it's more like a garden box." "Focus on what you want your FI lifestyle to be and slowly start giving that more of your time and energy." Learn more about your ad choices. Visit megaphone.fm/adchoices

Jesse Flocken had what most people would consider a dream life: a stable career, a guaranteed pension, a great family, and retirement within reach before his 40th birthday. But after years of working 24-hour shifts and missing valuable time with his family, Jesse and his wife Courtney began reflecting on a question they often helped others answer: “What do we want to be known for at the end of our lives?”That clarity forced Jesse to confront a difficult truth. After writing his resignation letter just to see how it felt, he realized he couldn't go back to firefighting for even one more shift.Today, Jesse is an entrepreneur, growth strategist, and founder of Clearly Relevant, a marketing and business growth company that helps brands scale through better systems, attract better leads, and close more business. But what makes Jesse's story so compelling isn't just the business he built after leaving the fire department. It's the mindset shift that completely changed how he defines success, fulfillment, and freedom.In this conversation, we discuss how clarity can help you realize that opportunities are actually distractions, why so many high achievers struggle to slow down long enough to define what they truly want, and how building a business around your values can create deeper fulfillment both personally and professionally.In this episode, you'll learn: ✅ Why Jesse walked away from a guaranteed pension just four years before retirement to pursue entrepreneurship and a more intentional life.✅ How writing his resignation letter before making the decision gave him the clarity to know he was making the right choice. ✅ How defining what you want to be known for at the end of your life can help you reverse engineer a more meaningful life and business.Show Notes: LifestyleInvestor.com/292Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Retirement rarely goes exactly according to plan—and this episode of the Retire Sooner Podcast tackles the real-life financial curveballs that may affect the timeline. Join Wes Moss and special guest host Mallory Boggs for a fast-moving conversation on early retirement, market volatility, taxes, rollover IRAs, annuities, direct indexing, and diversification strategies. • Explore why many Americans retire earlier than expected and how health issues, caregiving responsibilities, and job loss may reshape retirement plans. • Learn how thoughtful retirement income planning, IRA rollover decisions, and mortgage strategies may help create more financial flexibility. • Compare the pros, cons, and tradeoffs of annuities, direct indexing, tax-loss harvesting, and alternative investment strategies beyond the traditional 60/40 portfolio. • Understand why unusually fast stock market recoveries have historically been less common, and why long-term investors often focus on perspective over prediction. • Examine practical planning considerations for high-income earners, looking at tax efficiency, portfolio diversification, and varying levels of investment risk. Listen and subscribe to the Retire Sooner Podcast for more conversations on retirement planning, investing, taxes, and navigating today's financial landscape with a clear, practical long-term perspective. 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 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Susan came to us with one goal: find something she could tolerate for the next seven years before she could finally retire and start living. Two weeks later, she wasn't retiring anymore, because she had finally found work that fit. In this episode, we break down why so many high performers in their 40s, 50s, and 60s mistake "I want to retire" for "I want to stop doing this." There's a specific psychological reason it happens, and there's a way to fix it that doesn't require waiting for retirement at all.   What you'll learn: Why most people counting down to retirement aren't done with work, they just can't picture what else is possible The availability heuristic and how it traps high performers in jobs they've outgrown Three "systematic exposure" experiments that rewire what feels possible: the Goldilocks Conversation, the small side experiment, and the targeted course immersion Why being over 40 is the best time to change careers, and how the experience you've built becomes the asset that makes it work How Susan went from planning to retire in seven years to finding work she didn't want to retire from at all   Our book, Happen To Your Career: An Unconventional Approach To Career Change and Meaningful Work, is now available on audiobook! Visit  happentoyourcareer.com/audible to order it now! Visit happentoyourcareer.com/book for more information or buy the print or ebook here! Want to chat with our team about your unique situation? Schedule a conversation   Free Resources What career fits you? Join our free 8 Day Mini Course to figure it out! Career Change Guide - Learn how high-performers discover their ideal career and find meaningful, well-paid work without starting over.   Related Episodes Should I Quit My Job? How to Know It's Time (Spotify / Apple Podcasts) Discover Your Strengths to Find Your Ideal Career (Spotify / Apple Podcasts)

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 3567: Christina Browning explains how the path to financial independence starts with one powerful metric: your savings rate. By increasing income without inflating your lifestyle and intentionally reducing major expenses, you can dramatically shorten the number of years you need to work and build a portfolio capable of supporting early retirement. Read along with the original article(s) here: https://www.ourrichjourney.com/post/want-to-retire-early-focus-on-this-rate Quotes to ponder: "Your savings rate is the key to reaching financial independence and retiring early." "Most people tend to spend more as they make more." "The goal is to save more so that you can invest more so that you can reach financial independence and retire early!" Episode references: FIRE Movement: https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp The 4% Rule: https://www.investopedia.com/terms/f/four-percent-rule.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

A buyout offer can feel like a gift, but it can also quietly wreck a retirement plan if you treat the severance cheque like a finish line. Let's walk through the real-world decisions behind Microsoft's recent reported voluntary retirement style separation package and why moves like this matter to anyone working at a large company. When one major employer offers early exits, the idea spreads fast, and the next offer could land on your desk with a deadline and a surge of emotion.The five biggest mistakes I see when people accept an early retirement package: Overvaluing the payout instead of building a durable retirement income plan, underestimating healthcare costs and the Medicare gap, claiming Social Security too early out of fear, forgetting how brutal taxes can be in a package year (salary, PTO, bonus, RSUs, and severance piling up at once), and retiring from something without a clear purpose to retire to. We also talk through why companies do this, from payroll reduction and reshaping the workforce to freeing capital for priorities like AI and infrastructure.To help you decide without panic, I share three grounding questions: Are you financially independent already, does the offer truly improve your position, and what is your best alternative if you stay or work longer? If you're within five years of retirement and want clarity on income, taxes, Social Security timing, and healthcare, subscribe, share this with someone weighing a buyout, and leave a review so more people can find it.

Annuities are back in the spotlight—but are they solving a problem retirees can’t ignore? Kevin Madden breaks down why more advisors are rethinking retirement income strategies, focusing on cash flow, guaranteed income, and reducing reliance on market swings. The conversation explores how combining annuities with dividends and bonds can create stability, why emotional investing near retirement can derail plans, and how a written income plan helps organize “one big pile of money.” Kevin also highlights the impact of unexpected early retirement and why planning ahead can bring clarity to life after work. 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.

Financial Assessment (Meet with an experienced professional):https://bit.ly/PureFreeAssessmentToday on Your Money, Your Wealth® podcast number 582, Joe Anderson, CFP® and Big Al Clopine, CPA address something a not-insignificant portion of this audience has been complaining about for years: their so-called 'absurdly conservative' safe withdrawal rates for early retirement. Rand and Elayne from Ohio are here to gripe about it directly with a thought experiment: a million bucks at age 36 and a three-year sabbatical in France. When, if ever, would Joe and Big Al say they should cut it short and go back to work if the markets turned ugly? Mike2me17 piles on, with his own SWR take about AUM fees in his Apple Podcasts review. But first, a real world example: Ron and Harry from Florida are elite performers with a high-risk specialty job. Can they safely pull off moving to Portugal and living on $38,000 a year in their early 40s? If you're one of the people yelling at your podcast app every time Joe or Al mentions a 2% withdrawal rate, today's your day, and we welcome you to leave more of your thoughts on the topic in Apple Podcasts, YouTube, on Reddit, in our inboxes - like everyone else has.Free Financial Resources in This Episode: https://bit.ly/ymyw-582 (full show notes & episode transcript)Withdrawal Strategy Guide - YMYW TV:https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep582-description-whitepaperFinancial Blueprint (free, self-guided):https://purefinancial.com/financialblueprint/?utm_source=captivate&utm_medium=podcast&utm_campaign=financial-blueprint&utm_content=ymyw-pod-ep582-description-blueprintRetirement Pop Quiz: 18 Questions to Get You Ready to Retire - YMYW TVhttps://purefinancial.com/ymyw/episodes/retirement-pop-quiz-18-questions-ready-to-retire/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep582-description-tv-s10e10Financial Assessment (Meet with an experienced professional):https://bit.ly/PureFreeAssessmentREQUEST your Retirement Spitball Analysis:https://bit.ly/AskJoeAndAlDOWNLOAD more free guides:https://bit.ly/PureGuidesREAD financial blogs:https://bit.ly/PureFinBlogWATCH educational videos:https://bit.ly/PureEdVideosSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWNewsletterConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast01:14 - Elite Performers Semi-Retiring at 43 and Moving to Portugal. Can We Pull It Off? (Ron & Harry, FL)16:16 - YMYW Safe Withdrawal Rate Assumptions Are Absurd. At What Point Do You Go Back to Work If Markets Crash? (Rand & Elayne, ID)34:13 - YMW Safe Withdrawal Rates to Protect AUM Fee (Comment from mike2me17, Apple Podcasts)41:46 - Outro: Next Week on the YMYW Podcast

Talk to KimGretchen Schoser shares her powerful journey through mental health struggles, a near-suicide attempt, and her inspiring recovery. This episode highlights the importance of mental health awareness, community support, and practical tools for healing at midlife.Key Topics:Mental health struggles in midlifeThe impact of early retirement on mental healthThe role of community and support groupsThe importance of seeking help and therapyPractical tips for mental wellness and resilienceChapters00:00 Introduction to Mental Health Journey00:16 Life-Changing Experiences and Mental Health Struggles02:21 The Turning Point: Calling 98809:22 Finding Hope and Purpose After Crisis11:40 Building a Support System and Community18:48 Starting a New Chapter: Entrepreneurship and AI Training21:43 The Importance of Self-Care and Joy28:49 Final Thoughts on Kindness and Support Resources988 Suicide & Crisis Lifeline - https://988lifeline.org/Gretchen's Podcast: 'Sh!t That Goes On On Our Heads' - https://goesoninourheads.netLooking for a health care provider who really listens and isn't constrained by insurance requirements? You need to check out the Centered Care Directory-a curated, national resource to help you find the right provider for you. Whether it's functional medicine, physical therapy or hormone help, you'll find it here.Check out how.healthcare to get started.  Support the showKim Benoy is a retired RN, Certified Aromatherapist, wife and mom who is passionate about inspiring and encouraging women over 40. She wants you to see your own beauty, value and worth through sharing stories of other women just like you.****************************************************If you are looking for deeper connection, encouragement, and support, you should join my free online community. It's a safe, uplifting space to be inspired, share honestly, and grow alongside women who truly get this season of life.Midlife with Courage™ Community*****************************************************Want to be a guest on Midlife with Courage™-Flourishing After Forty with Kim Benoy? Send Kim Benoy a message on PodMatch, here: Podmatch Link NEWSLETTER WEBSITEFACEBOOK

What happens when you reach financial independence by paying off a low interest rate mortgage early? Or being renter instead of buying a home and growing equity? I'll explain why hitting that milestone earns you the right to ignore some of the most stubborn rules in personal finance.  For our Listener Question: A listener wants to know how to think about real estate as part of a retirement portfolio — should they own a rental property for income? And we will wrap it up with another listener-sourced segment called "Retire to Something". Resource:  Article from Business Insider: "There's No One-Size-Fits-All Path to Early Retirement"   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

What if you could retire from the military at 50, bridge a decade of income, and pay less in taxes than you ever expected? It sounds too good to be true — but it's written right into the tax code. Spencer and Rob walk through exactly how a Roth conversion ladder works, who it's built for, and whether a simple brokerage account might actually beat it. Spencer Reese interviews Rob Moore, Army veteran, CFP candidate, and founder of Everman Wealth and Prosperity. Topics Discussed What a Roth Conversion Ladder is — moving funds from a traditional IRA to a Roth IRA each year before military retirement to create penalty-free supplemental income during the bridge period between military retirement and age 59½ Who it's for — service members retiring before 59½ who need to bridge their income gap, and those in the FIRE community with lower taxable income Contribution vs. Conversion — contributions can be withdrawn penalty/tax-free anytime; conversions require a five-year waiting period per conversion year The Five-Year Rule — each conversion starts its own five-year clock on January 1st of the conversion year; after five years, the converted amount can be withdrawn penalty and tax-free TSP limitations — Roth conversion ladders live entirely in the IRA universe; TSP rules are different and don't qualify (though the new TSP Roth conversion feature, live in 2026, is noted as a separate benefit) Practical example — a service member at age 49, five years from retirement, converts $20,000/year; at retirement (age 54), the first conversion is available penalty/tax-free, with each subsequent year unlocking the next rung Alternatives to the Roth ladder: Rule 72(t) / SEPP — rigid but allows early retirement account access Rule of 55 — penalty-free TSP access if retiring in the year you turn 55 Taxable brokerage account — flexible, no rules, and often more tax-efficient than people assume Brokerage vs. tax-deferred comparison — Rob's case study on a retiring O-5 showed the brokerage account came out ~$13,000 ahead in aggregate taxes over 16 years vs. a Roth conversion ladder strategy Tax bracket inflation adjustment — a reminder that brackets adjust for inflation, so projecting future RMD tax burden in today's dollar terms overstates the hit Backdoor Roth contributions — briefly mentioned as an option for those without existing traditional IRA funds; subject to the same five-year conversion rule and annual limits ($7,500/person, $15,000/couple in 2026) Resources Mentioned Fiscal Foxhole Podcast https://www.instagram.com/fiscalfoxhole— co-hosted by Rob Moore and Oman Quavo; available on all major podcast platforms Everman Wealth and Prosperity https://www.prosperwitheverman.com/— Rob's financial planning firm (Northern Virginia, fee-only) How Tax-Advantaged is Tax-Deferred? https://www.prosperwitheverman.com/podcastarticles/how-tax-advantaged-is-tax-deferred— Rob's article comparing brokerage vs. tax-deferred retirement savings Moneychimp.com  http://www.moneychimp.com — simple compound interest/tax calculator mentioned by Spencer Military Money Manual Podcast Ep. 216 — prior interview with Oman Quavo Military Money Manual Podcast Ep. 162 — backdoor Roth IRA deep dive with Brian Alf O'Neill of Winged Wealth Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 22,000 military servicemembers and military spouses have graduated from the 100% free, Ultimate Military Credit Cards Course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, such as waived annual fees, on elite cards like The Platinum Card® from American Express and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Military Money Manual may receive compensation from JPMC. Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain. Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

Cody Berman reached financial freedom at 25 while spending just $24K a year. During that same stretch, his income doubled three years in a row from $96K to over $1M.In this episode, Cody breaks down the simple but powerful math behind his journey: 11 rental units producing $3,700/month in cash flow, a digital products business generating $10K/month, and $500K invested in the stock market by his mid-20s.We cover:Why margin matters more than what you invest inPercentage-based spending and why dollar amounts can be misleadingHow to get aligned with your spouse on financial freedomThe 4 types of side hustles and which ones actually scaleMonthly money meetings and annual life reviewsWhy increasing income beats obsessing over tax loopholesHow Cody unlearned the scarcity mindset after becoming financially freeCody also shares lessons from his new book, Retire by 30.Get the book: www.retireby30book.comCheck out our first episode together where we break down Cody's digital products business:https://youtu.be/1uJFGuGQ3Bc?si=I-fsVM1km3vYeT2eFollow Cody:Instagram: @CodyDBermanCurious as to how we've bought multiple businesses and built millions in equity? Give this video a watch for a full breakdown: https://www.youtube.com/watch?v=cviipnGtDWI&feature=youtu.beIf you are serious about building a life on your terms and want to surround yourself with people who are actually doing it, go to: https://actionacademy.com?el=action_academy_podcastIf you want to leave corporate America in the next 6-18 months - you should check out our Action Academy Community

In this episode Jeff and Brian discuss early retirement - why the danger begins after you quit working. Also the take that Uncle Sam rule of retirement, and scams targeting seniors. 

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Are annuities only for retirees, or can they play a role in building long-term financial security at any age? Richard Rosso & Jonathan "Smarty" McCarty break down the myths, costs, benefits, and risks of annuities, and how guaranteed income fits into a retirement strategy. We discuss how annuities can serve as bond substitutes, why fees vary so widely, how sales structures impact costs, and how to determine whether an annuity fits your personal retirement goals. Most importantly, we explore how to create a rules-based approach to guaranteed income that matches your lifestyle, risk tolerance, and future needs. Key topics include: 0:00 - INTRO 0:19 - Living Vicariously thru Clients' Experiences 4:05 - Why Annuities Get a Bad Rap - Liquidity & Life 7:09 - Insuring Late-life Consumption 9:30 - Behavioral Mechanisms - Mental Accounting & Loss Aversion 11:48 - The Cap'n Crunch Diversion 12:58 - Benefits of Delaying Social Security 14:26 - Everybody "knows" when they're going to die 16:42 - Framing Delay as a Longevity Bet 17:23 - Women are Better Investors 19:43 - Spousal Protection Consideration 20:18 - Annuities Get Sold, Not Planned 23:17 - Secrets of Return Risk 25:51 - Study: Fixed Income Annuities vs Bonds 29:42 - Annuities We Don't Like 30:18 - Annuities Riders You May Not Need 33:34 - RIA Snuggies, Immediate Annuities,, and Early Retirement 36:22 - Getting a Second Opinion -What Problem is Annuity Solving? 42:50 - Immediate vs Variable Annuities 45:30 - How Much of an Annuity Do You Need? 47:36 - Passing Along Assets & Annuities 50:59 - Candid Coffee Tease Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/bIrBY3SVfbQ ------- Watch today's "Before the Bell" feature, "How Markets Ignore the Fear" here: https://youtu.be/1BrnxwNgzeY ------- Watch our previous show, "Semiconductors: Bubble or Bust?" https://youtube.com/live/X0moIzRXOHg ------- * REGISTER for our next Candid Coffee, Saturday, May 16: "Financial Organization Made Simple:" https://streamyard.com/watch/SA6aj2aMdMhf -------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #Annuities #RetirementPlanning #GuaranteedIncome #FinancialPlanning #RetirementIncome

Mark and Natalie did everything “right.”Twenty years of work, saving, and putting off trips for “someday.” When they finally hit financial independence, they still couldn't book the flights. Not because of math—because of the feeling that spending meant slipping backwards.In this episode of Retirement Reality, Ari sits at their kitchen table and listens. What starts as a budgeting conversation turns into something bigger: how to move from protecting every dollar to actually using money for the life they pictured. You'll hear the questions that unlocked their plan, the tradeoffs they chose on purpose, and the moment “maybe next year” turned into a date on the calendar.If you've worked hard, saved well, and still hesitate to say yes to the trip, this story is for you.--Mark and Natalie are 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.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.

161. Our 91% vs. 9% of Life: 4 Lessons from 4 Years of Early RetirementThese are the four big lessons we've learned from four years of early retirement, and they are perhaps even more applicable to people still working. After spending 91% of our lives following the schedules of teachers, bosses, and corporate deadlines, we've finally completed four years of total autonomy—the exact duration of a high school or college experience. We break down the profound shifts that occur when you transition from 41 years of conditioning into a life of complete agency, revealing why it takes time to deprogram your brain. Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/161-our-91-vs-9-of-life-4-lessons-from-4-years-of-early-retirement/

Private equity gets sold as exclusive, sophisticated, and “what the smart money does,” but the reality is far less compelling. Don and Tom break down the illusion: limited transparency, questionable valuations, high fees, and serious liquidity risks—all for returns that barely edge out (if at all) simple public market strategies. They argue that the supposed advantages—like the “illiquidity premium” and diversification—don't hold up under scrutiny. The episode then pivots to smart listener questions on early retirement planning and 457 vs. 401(k) decisions, reinforcing a core theme: complexity is often marketed as intelligence, but disciplined simplicity usually wins.0:05 Financial pros sell complexity because it pays them more0:30 Private equity pitch: exclusivity, access, and “smart money” appeal1:40 Article breakdown: positives vs. negatives of private equity2:21 “You get to feel special” and access private companies3:00 The illusion of diversification and non-correlation3:37 Public vs. private pricing: real markets vs. guesswork4:04 Example of questionable private equity valuation jumps5:27 The “illiquidity premium” myth6:00 Liquidity risk: not being able to access your money6:27 Pension funds and private equity track record reality6:51 Returns comparison: private equity vs. public markets8:20 Small cap value vs. private equity (higher returns, lower cost)9:48 Why advisors push complex products (fees and optics)10:30 Liquidity crises and echoes of 2008 (Blue Owl example)11:36 Caller: early retirement planning with pension and TRICARE13:19 Financial readiness vs. purpose in retirement15:28 Long-term risks of early retirement and longevity16:19 Monte Carlo planning and scenario testing18:37 Listener question: 457 vs. 401(k) strategy19:56 Key advantage: penalty-free withdrawals from 457 plans23:13 Rare but real risk: non-governmental 457 ownership issue24:35 Roth vs. traditional: educated guesses, not certainties24:48 When you need a real financial plan (not just rules of thumb)26:03 Human advisor vs. emerging AI planning tools27:40 Closing thoughts and how to get helpQuestions? Comments? Click!

Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red and Kitty from Wisconsin are burned out at 40 and wonder if retiring at 45 using the 72(t) tax election to take substantially equal periodic payments, or SEPP, is a smart bridge strategy. Jiminy Billy Bob in North Carolina is also considering a 72(t). How should he structure his withdrawal order, and does he need to shift into bonds before downshifting his career? Plus, Steve and Sharon in Minnesota have 8 million bucks. Steve is getting laid off at age 56. What should they do with their 401(k), stock options, incentives, and benefits before and after the layoff? Free Financial Resources in This Episode:  https://bit.ly/ymyw-577 (full show notes & episode transcript) Recession Protection Guide - free download Retirement Readiness Guide - free download 6 Ways Americans Accidentally Sabotage Their Retirement - YMYW TV Financial Blueprint (self-guided): https://bit.ly/PureFinancialBlueprint  Financial Assessment (Meet with an experienced professional): https://bit.ly/PureFreeAssessment  REQUEST your Retirement Spitball Analysis: https://bit.ly/AskJoeAndAl  DOWNLOAD more free guides: https://bit.ly/PureGuides  READ financial blogs: https://bit.ly/PureFinBlog  WATCH educational videos: https://bit.ly/PureEdVideos  SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWNewsletter  Connect With Us: Subscribe on YouTube and join the conversation in the comments: https://bit.ly/YMYW-YT  Subscribe or follow YMYW in your favorite podcast app: https://lnk.to/ymyw  Leave your honest reviews and ratings in Apple Podcasts: https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254    Chapters: 00:00 - Intro: This week on the YMYW Podcast 01:06 - Why Retiring at 45 Using 72(t) SEPP Withdrawals is Risky (Red & Kitty, WI) 13:28 - Early Retirement Strategy: Withdrawal Order, Bonds, and 72(t) (Jiminy Billy Bob, NC) 22:49 - Laid Off at 56 With $7.9M: How to Handle Your Exit Strategy (Steve & Sharon, St. Paul, MN) 43:51 - Outro: Next Week on the YMYW Podcast

It's rare in personal finance that someone comes along and doesn't just offer advice—but completely rewires how we think about money, work, and what it means to live a good life.My guest today did exactly that.Pete Adeney—better known as Mr. Money Mustache—helped ignite the FIRE movement long before it was trending on TikTok or debated on cable news. His message? Radical, at the time: Spend less, live intentionally, invest wisely—and you might just buy yourself the freedom to walk away from traditional work decades early.And here's the thing—Pete didn't just write about it. He lived it. Retiring in his early 30s, raising a family on his own terms, and building a cult-like following of readers who wanted to do the same.I've actually had a front-row seat to his journey. We first met more than a decade ago, filming in his backyard in Colorado, when his blog was just beginning to take off. Back then, his ideas felt… almost rebellious.Today? They're part of the mainstream conversation.But Pete hasn't stood still—and neither has life.In this episode, we catch up on everything: what early retirement really looks like after a decade, how his thinking on money, family, and even divorce has evolved… and why, despite having “enough,” he's still rethinking what a rich life actually means. Hosted on Acast. See acast.com/privacy for more information.