Podcasts about early retirement

Episode 119: Five Strategies for Retiring EarlyEarly retirement requires a different playbook. In this episode, I explain five strategies for bridging the gaps before Social Security and Medicare, managing taxes, and funding your lifestyle with greater flexibility.In the tips and tricks segment, I share how Roth IRA contributions can provide an additional source of penalty-free funds before age 59½.Key points • Build a taxable brokerage account • Maximize your HSA • Use pre-tax 401(k) contributions strategically • Establish a dedicated cash reserve • Understand early retirement-account access • Use Roth IRA contributions for added flexibility before age 59½

Host Robert Brokamp is joined by Motley Fool contributor Dan Caplinger to answer financial planning questions sent in from listeners, including:-Is it better to invest in Treasury bills directly or through an ETF or fund?-How to avoid the 10% early distribution penalty if retiring before age 59 1/2-The pros and cons of closed-end funds-Is 90% in stocks too aggressive for a portion of a retirement portfolio?-Sell stocks or take out a loan to pay for graduate school?-Do Roth conversions make sense in your 60s? Host: Robert Brokamp, CFP®, EAGuest: Dan CaplingerEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Free retirement training for people within 10 years of retirement and $1M+ saved. Watch “The Sequoia System Training” here: https://learn.rootfinancial.com/a8aca2=======================The problem is, most retirement advice out there isn't built for people retiring early. Most people don't even realize how different it is. These are the 9 things you need to know before you retire early, broken into what's different, what gets riskier, and what actually works in your favor. We're going to cover: - the 401(k) rule that lets you pull money penalty-free at 55, and the one mistake that disqualifies most people from using it- why the exact same withdrawal rule everyone quotes can leave an early retiree completely out of luck- the spending gap that barely matters at 65 but can derail everything if you retire at 48- the one thing almost nobody gets right about how aggressive your portfolio should actually be- the tax strategy window that's nearly impossible to use at 67, but wide open if you retire at 47- why the real prize of early retirement was never actually the money--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!

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Lifestyle inflation can quietly derail your path to financial independence, but does spending more as your income and life change have to be a bad thing? Scott Trench and Evan Lawler break down how spending changes through different stages of life, what the data says about future expenses like housing and childcare, and how to build a realistic financial independence or Coast FI plan. They also explore the FI community's shift away from extreme frugality and how to use data, flexibility, and better spending expectations to build wealth without sacrificing your quality of life.To go beyond the podcast:Check out the Budget Calculator from this episode: https://biggerpocketsmoney.com/budget/Interested in a Flat Fee Financial Planner? Go to https://biggerpocketsmoney.com/fipro/Interested in Learning More About Buying a Franchise? Check out: biggerpocketsmoney.com/franzyGet 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarch.com/pocketsConnect with Evan Lawler:Instagram: https://www.instagram.com/the_financialfoundation/YouTube: https://www.youtube.com/@The_FinancialFoundationWe believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Looking for a financial planner?  → PlanWithJesse.com Jesse answers a new round of early-retirement questions, beginning with how investors can build a portfolio designed to last through a potentially long retirement. He explains why focusing narrowly on dividends, interest, or other forms of "income generation" can lead retirees toward mathematically suboptimal decisions, and why total return, risk, and diversification provide a better framework for evaluating a retirement portfolio. He then addresses the challenge of retiring before Social Security, when portfolio withdrawal rates may temporarily reach 5% or 6% before falling substantially later, explaining why static rules like the 4% rule cannot capture the lumpy reality of retirement spending and why detailed cash-flow projections, Monte Carlo modeling, and sensitivity analysis can provide a clearer picture. The episode also explores how much cash an early retiree should hold, the trade-off between protecting against sequence-of-returns risk and sacrificing long-term returns, and how a retiree might gradually spend down an oversized cash position rather than trying to time the market. Finally, Jesse provides an early-retirement checklist covering ways to access money before traditional retirement age, including taxable accounts, Roth IRA contributions, Roth conversion ladders, Rule 72(t), the Rule of 55, 457 plans, HSA reimbursements, deferred compensation, lines of credit, and even family financing or early inheritances. Key Takeaways: • Total return matters more than income alone. Interest, dividends, and capital appreciation are different forms of return, and retirees should evaluate investments based on their total return and associated risk rather than fixating on income generation. • The preference for retirement "income" is partly psychological. Paycheck replacement, mental accounting, loss aversion, and a desire for control can all make dividends and interest feel safer than selling investments. • An all-time market high isn't automatically a reason to sell stocks. Markets have repeatedly continued rising after reaching new highs, making "the market is high" an unreliable market-timing signal. • Retirees may rationally prioritise avoiding ruin over maximising wealth. Once someone has accumulated enough for retirement, sacrificing some expected return to protect the plan can be entirely reasonable. • An oversized cash position doesn't necessarily need to be invested all at once. Jesse suggests that a retiree could gradually spend cash while simultaneously taking smaller withdrawals from the investment portfolio. • Early-retirement funding is a toolkit, not a single withdrawal strategy. Taxable investments, Roth assets, 72(t), employer plans, HSAs, deferred compensation, credit facilities, part-time income, rental income, and potentially family financing can all form pieces of an individualised bridge to traditional retirement age. Key Timestamps: (01:16) – Q1: Income Generation from a Sustainable Portfolio (14:21) – Q2: Monte Carlo and Modeling Your Own Lumpy Cash Flow (49:11) – Q3: Should I Use Cash or Sell My Stocks? (30:36) – Q4: Early Asset Access Checklist Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e134/ https://bestinterest.blog/e145/ https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation https://bestinterest.blog/roth-conversion-checklist/ https://choosefi.com/listen Die With Zero: Getting All You Can From Your Money And Your Life by Bill Perkins More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Could retiring earlier than you thought be more about planning than hitting a magic number? This episode explores what it really takes to retire before traditional retirement age. Ryan Oliver discusses key factors including lifestyle expenses, income sources, healthcare costs, portfolio withdrawals, and common misconceptions about early retirement. He also explains why retirement readiness looks different for everyone and how part-time work, Social Security strategies, and thoughtful planning can impact the decision to leave the workforce sooner. 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.

Think you're years away from retirement? You may be closer than you realize, but replacing your paycheck takes more planning than most people expect. Ryan Herbert and Katherine Groce discuss what it really takes to retire before traditional retirement age, including creating multiple income sources, planning for healthcare costs before Medicare, and building a strategy for turning savings into reliable retirement income. They also explain why knowing exactly where your income will come from can be just as important as how much you've saved, and how retirement planning shifts from growing assets to creating a sustainable distribution strategy. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Sometimes the math is the easy part.In this episode, Ari responds to a voicemail from a listener who, on paper, looks like a retirement planning success story. Strong income, a meaningful pension, a well-funded portfolio, and a clear sense of how much they want to spend. The numbers point in the right direction before anyone has done the math.But the more interesting questions are never the obvious ones.Ari starts where he always does, not with the account balance, but with the spending goal. Using what he calls the reverse engineering approach, he works backward from how much someone wants each month, subtracts the fixed income that will arrive regardless of portfolio performance, and identifies what the investments actually need to produce. For someone with a pension and eventual Social Security, that gap is often far smaller than expected.From there, the planning gets more nuanced. A large pre-tax balance that keeps compounding while fixed income covers most expenses will eventually create a forced distribution problem. The question of whether to do Roth conversions, and when, depends on the tax window between retirement and Social Security, whether a spouse is still earning income, and what spending actually looks like across a full retirement rather than just in year one.The retirement smile adds another layer. Spending tends to be higher early when health and energy are strongest, lower in the middle years, and higher again near the end. A plan that treats every year identically misses something important about how retirement actually feels to live.The goal is not to be told what to do. It is to understand the plan well enough to own it, question it, and trust it when life does not go exactly as modeled.A good plan explains itself. A great plan builds the confidence to actually follow it.--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.

In this episode: financial independence as runway, career reinvention, self-imposed pressure, writing a first book, coaching-driven leadership with Jeff JaworskiEpisode SummaryThree years after leaving Google, Jeff Jaworski returns to share how FIRE gave him room to build The Shift, write The Leader Shift, and shape work around family and purpose. Jeff and Adam explore why the habits that create success can hold us back in a new chapter—and how to build without recreating the pressure of the rat race.Guest BioJeff Jaworski is the founder of The Shift Coaching & Consulting, a former Google executive, and the author of The Leader Shift. He coaches leaders and organizations to replace heroic leadership with teams that think and scale.Resources & Books MentionedAdam's free FI Life Jumpstart exerciseThe Leader Shift by Jeff JaworskiMindful FIRE episode 151Guest Contact InformationThe ShiftJeff on LinkedInKey TakeawaysFIRE can create options and runway for meaningful reinvention - not just retirement.Distinguish pressure that is real from pressure you manufacture yourself.A new chapter requires new behaviors; what got you here may hold you back there.Scalable leaders ask before telling, explore possibility, and lead performance - not metrics.Join the Mindful FIRE Legends community at MindfulFIRE.org/join.

In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench explore how you can use AI to make better financial decisions and move closer to financial independence. They share practical ways to ask better questions, give AI the right context, stress test your financial plan, and even develop an investment thesis. Plus, they talk about where AI can help and why you still need to double-check its work.To go beyond the podcast:Interested in a Flat Fee Financial Planner? Go to https://biggerpocketsmoney.com/fipro/Interested in Learning More About Buying a Franchise? Check out: biggerpocketsmoney.com/franzyGet 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarch.com/pocketsWe believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Evan Lawler take a closer look at Coast FIRE and what it really means to stop aggressively saving for retirement while still working toward financial independence. They talk through what could go wrong, from market downturns and rising expenses to lifestyle creep and unexpected changes in your life or career. They also discuss how much flexibility Coast FIRE can give you, how to build in a little margin, and what to think about when deciding whether Coast FIRE or traditional FIRE makes sense for you.To go beyond the podcast:Interested in a Flat Fee Financial Planner? Go to https://biggerpocketsmoney.com/fipro/Interested in Learning More About Buying a Franchise? Check out: biggerpocketsmoney.com/franzyGet 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarch.com/pocketsConnect with Evan Lawler:Instagram: https://www.instagram.com/the_financialfoundation/YouTube: https://www.youtube.com/@The_FinancialFoundationWe believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we answer emails from Jon, David, and Trevor.  We discuss teaching teens personal finance without boring them and learning by doing, an early retirement checkup for a high-saving household confirming a $3.6M portfolio can support retirement plans, getting granular on expenses and planning for health care costs, asset location basics, and a useful managed futures white paper.Links:If You Can Book:  Microsoft Word - If You Can.docSet For Life:  Set for Life: An All-Out Approach to Early Financial Freedom: Trench, Scott: 9781947200807: Amazon.com: BooksFIRE For Dummies:  Amazon.com : fire for dummiesSo Good They Can't Ignore You:  So Good They Can't Ignore You: Why Skills Trump Passion in the Quest for Work You Love: Newport, Cal: 9781455509126: Amazon.com: BooksMeketa Managed Futures Paper:  MEKETA_Trend-Following.pdfBreathless Unedited AI-Bot Summary:Most money advice for teenagers boils down to three lines, yet somehow it still doesn't stick. We dig into why that happens and how to fix it with a simple shift: stop treating personal finance like a reading assignment and start treating it like a hands-on skill. With no-fee trading, fractional shares, and AI tools that can summarize any classic finance book on demand, the real edge is helping young investors build confidence by actually using accounts, placing trades, and watching what happens.We share book recommendations that still earn a spot on the list, including a short starter PDF that delivers the core principles fast, plus a more modern early-career path-to-financial-independence perspective. Then we make the case that the most important “money book” for many teens isn't about investing at all. It's about building skills and career capital so earning, saving, and investing become possible in the first place.Next, we answer a detailed listener question from a burned-out attorney with $3.6M saved who wants to know if he's basically at the finish line. We walk through how to sanity-check retirement readiness, why expense tracking and health care planning matter, and how to think about asset location for tax efficiency. We also tackle the mortgage decision as the personal part of personal finance, and discuss liquidity options like HELOCs and low-rate brokerage margin as tools to keep flexibility.We close with a listener-shared managed futures and trend following white paper and why managed futures can diversify both stocks and bonds in a resilient portfolio. If you find this helpful, subscribe, share the episode with a friend, and leave a rating and review so more DIY investors can find the show.Support the show

Sometimes the question is not whether you can retire. It is whether you are willing to be honest about what retiring early can look like.In this episode, Ari responds to a voicemail from a couple with a target retirement date, a month picked out, and a plan that looks solid on the surface. Two homes, multiple account types, a pension on the horizon, and a spending goal that seems reasonable. But the more interesting question is not whether the math works. It is whether the life they are building toward matches the one they actually want.Ari's first instinct is not to run projections. It is to ask whether they are enjoying life today. A household that is saving aggressively but skipping experiences it genuinely values is not optimizing for retirement. It is just deferring. At a certain point, the highest-value move is not saving more. It is getting clear on what the money is actually for.The spending conversation is where the plan gets real. A stated monthly budget is a starting point, not a conclusion. Most people spend more in the early years of retirement when health and energy are at their peak, and less later. Understanding that shape, how it rises, levels off, and shifts again with medical expenses and legacy decisions, changes what the portfolio actually needs to support and when.The account structure raises its own questions. Wealth spread across multiple account types, some accessible before traditional retirement age and some not, means the order of withdrawals matters as much as the total. The brokerage account becomes the bridge. Tax gain harvesting, subsidy planning, and the eventual pension and Social Security layering all depend on keeping that coordination intentional rather than accidental.Retiring at 52 with a specific month circled on the calendar is a legitimate goal. Getting there on those terms requires knowing exactly what you are willing to adjust and what you are not. That clarity is the plan.--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.

Snooker Club returns as Stephen Hendry, Mark Watson and Steven Hallworth look back on the latest action from the 2026/27 season! Stephen Hendry opens up about the yips that forced him to retire from snooker early, revealing more about the struggles he faced during the latter stages of his legendary career. The team also review the British Open and English Open, discussing the biggest stories, standout performances and talking points from two action-packed events. Plus, comedian Jamie Hutchinson joins the show to bring his hilarious perspective on snooker, his love of the game and life beyond the baize. The trio also tackle your fan questions and look ahead to what's coming next on the World Snooker Tour.

Are your retirement assumptions realistic, or is your financial plan relying on best-case scenarios? In this episode of Money Matters, Scott and Pat dive into the practical realities of long-term planning—from preparing for market volatility to navigating complex estate and tax rules. Plus, Scott and Pat answer caller questions on managing a multi-million-dollar portfolio, strategic gifting, and what it really takes to achieve financial independence in your 40s. In this episode, we cover: Stress-Testing Your Portfolio: Why planning for bear markets matters, how to avoid overly optimistic return assumptions, and why keeping 5–7 years of income in cash or fixed income can protect your lifestyle. A $6M Estate & RMD Strategy: Navigating PCRA/401(k) rules while still earning income, managing high tax brackets, and balancing lifetime gifting vs. traditional inheritance. 529 Plans & SECURE 2.0: Key considerations when redirecting college savings and exploring Roth rollover rules. The Realities of FIRE & Coast FI: Breaking down the 4% rule (25x expenses), balancing early retirement with long-term fulfillment, and understanding the "Four Freedoms." Protecting Your Family: Why life insurance is essential for young families on the path to financial independence.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Is early retirement the goal or an escape from burnout? Explore purpose, flexible work, bridge accounts, healthcare, and portfolio risk. Episode Summary Is early retirement truly the goal or does it represent a desire to escape burnout or regain control of your time? In this episode of Scripted Wealth: Money & Meaning for Pharmacists, Tim & Tim examine what pharmacists may really mean when they say they want to retire early. They explore the roles of burnout, purpose, identity, and retirement expectations while considering alternatives such as mini-retirements, part-time work, and career changes. They also discuss the financial realities of retiring early, including bridging the years before traditional retirement accounts become accessible, securing health insurance before Medicare, and protecting a portfolio from sequence-of-returns risk. What you'll learn in this episode: How burnout can influence the desire to retire early and why addressing its root cause matters. How to determine whether you are running toward a meaningful vision or simply away from an unhealthy work situation. Why mini-retirements, part-time work, or a career change may offer valuable alternatives. How an ideal day, week, and year exercise can bring greater clarity to your retirement vision. What early retirement means for brokerage savings, healthcare, taxes, portfolio withdrawals, and managing sequence-of-returns risk. Mentioned on the Show YFP 079 with Nick Ornella, PharmD: Is It Time to Redefine Retirement? "Burnout is hitting pharmacists, too". Wolters Kluwer. Published February 7, 2024.  YFP Wealth Disclaimer The information in this episode is provided to you for your informational purposes only and is not intended to provide, and should not be relied on for, investment or any other advice. It should not be construed as a solicitation or offer to buy or sell any investment or related financial products. We urge listeners to consult with a financial advisor with respect to any investment. The information contained in our episodes is not updated and may not be accurate at the time you view it on this website. Opinions and analyses expressed herein are solely those of YFP Wealth (unless otherwise noted) and constitute judgments as of the dates published. Such information may contain forward-looking statements, which are not intended to be guarantees of future events. Actual results could differ materially from those anticipated in the forward-looking statements. YFP Wealth representatives may from time to time hold positions in, or take positions contrary to, investments mentioned herein. It should not be assumed that future performance of any specific investment or investment strategy (including those discussed herein) will be successful or profitable, or protect against loss. Past performance does not guarantee future results. All investments involve risks including the loss of principal. Learn more at https://yfpwealth.com/disclaimer/ 

This week, we’re making space for powerful conversations - from the freedom of women who write to rethinking ambition, burnout and what success really means. We’re also putting the latest tech to the test, with the new iPhone and a live HONOR drop test, before turning to smart money moves, early retirement goals and how to enjoy the holidays without breaking the bank.See omnystudio.com/listener for privacy information.

Schedule a Free Financial Assessment with an experienced professional:https://bit.ly/YMYWassessCToday on Your Money, Your Wealth® podcast 598, Joe Anderson, CFP® and Big Al Clopine, CPA spitball early retirement planning for Shua in Phoenix, who has a million dollars saved at age 42. Can he stop saving right now, coast until age 55, and still spend $170,000 a year in retirement? But first, Michael in Texas is a stay-at-home dad who does the stock market. His wife wants out of her job at age 47. Will their $5 million last through retirement? And then Homer and Marge in North Carolina make 640K in sales and want to spend up to 25K a month, and Seth in Illinois wants to retire at 58 on a pension and a Roth. Some of these plans work and some of ‘em aren't even close.Free Financial Resources in This Episode: https://bit.ly/ymyw-598 (full show notes & episode transcript)Withdrawal Strategy Guide - free download:https://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep598-description-whitepaperRetirement Readiness Guide - free download:https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-retirement-readiness-guide&utm_content=ymyw-pod-ep598-description-whitepaper10 Assumptions Pre-Retirees Get Wrong About Retirement - YMYW TV:https://purefinancial.com/ymyw/episodes/10-assumptions-pre-retirees-get-wrong-about-retirement/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep598-description-tv-s12e07Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect 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 Podcast00:52 - Wife Wants to Retire at 47. What Are We Missing? (Michael, TX)14:03 - $3M Saved, $640K Income: Can We Retire at 50? (Homer & Marge, Northern California)21:19 - Pension + $1.45M: Can I Retire at 58 and Spend $11K a Month? (Seth, North Central IL)26:51 - Can We Stop Saving Now at 42 and 45 and Still Retire at 55? (Shua, Phoenix, AZ)36:07 - Outro: Next Week on the YMYW Podcast37:19 - The Derails: Big Al Canoeing on the Russian River

Healthcare is one of the biggest fears keeping people from retiring early.But for many future retirees, the actual cost is not the problem. The uncertainty is.In this episode, Ari Taublieb, CFP®, responds to a listener  hoping to retire at age 60 with approximately $1.9 million saved between retirement accounts, a brokerage account, and a Roth IRA. While the numbers appear solid, one concern continues to stand in the way: how to pay for healthcare before Medicare begins at age 65.Like many people approaching retirement, the caller worries that healthcare premiums could force them to work longer than necessary. But as Ari explains, healthcare costs are often misunderstood because they are closely tied to how retirement income is structured.The conversation shifts away from chasing a portfolio target and toward a more important question: can your assets generate the income needed to support the life you want?Using the caller's pension, spending goals, and retirement accounts as an example, Ari walks through how healthcare costs fit into a broader retirement plan. He also highlights how brokerage accounts can create flexibility, why taxes matter just as much as investment returns, and how many retirees may have more options than they realize.The deeper lesson is that retirement planning is rarely about a single expense.Too often, healthcare becomes the reason people delay retirement, even when the rest of the plan is already strong. The real challenge is understanding how all the pieces work together and determining whether the fear is based on reality or simply a lack of clarity.The takeaway is simple. Don't let uncertainty make decisions for you. A well-built retirement plan helps you understand the true cost of healthcare, the role of taxes, and whether work is still a necessity or has already become optional.--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.

Long-term care can shift from a distant concern to an immediate financial decision faster than many families expect. It can begin with a few hours of help at home and progress to assisted living, memory care, skilled nursing, or around-the-clock support. Each stage brings different costs, care needs, and family decisions.In this episode of A Wiser Retirement® Podcast, Casey Smith and Grace Pavel break down what long-term care can actually look like and how families can prepare for it.Related Podcast Episodes: Ep 276. How to Make Sure You're Ready for RetirementEp 245. Strategies for Early Retirement and Long-Term SecurityRelated Financial Education Videos:How to Plan for Long Term Care Without Breaking the BankLong-Term Care Insurance ExplainedLearn More:Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom. We are local to Atlanta, but can meet with you virtually from wherever you are. Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!Stay Connected:Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | TwitterSubscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes. This podcast was produced by ...

On the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey answer three listener questions. First, they discuss 457 plans and how to determine if you should be participating in yours, including the three questions to answer to figure it out in your situation. They alos discuss if doctors should have emergency funds and, if so, how large they should be. Finally, they chat about investing bonus money: invest it all in at once? Or let it trickle in through dollar-cost averaging (DCA)?Resources for this episode: Every doctor needs own-occupation disability insurance. Get a quote from Money Meets Medicine Disability Insurance, co-founded by host Dr. Jimmy Turner. Are you looking for a new accountant? Check out Gelt, the tax strategy team that Jimmy Turner personally uses. Use this link to get 10% off Gelt's services the first year you work with them. Looking to increase your financial literacy, but not sure where to start? Get a free copy of Dr. Jimmy Turner's best-selling book, The Physician Philosopher's Guide to Personal Finance. IRS guide on differences between governmental and non-governmental 457 can be found here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

While many dream of retiring at a young age, very few people are able to do so. According to the Center for Retirement Research, the average American man will retire at age 64, while the average woman will retire at 62. So how achievable is early retirement? In this episode of Regions Wealth Podcast, Wealth Planner Wyeth Greene shares planning tips and considerations for those hoping to retire before the age of 60.  

For forty years, the paycheck just showed up. In retirement, you become the one who writes it, and how you handle that job in the first decade shapes everything after. In this episode of Purposeful Planning, Troy Fore, CFP®, walks through how to build a spending plan with flexibility at its core: a real budget, time-based buckets, tax diversification, and guardrails that let your plan bend without breaking. Sources: • Creating a Flexible Spending Plan for Your First 10 Years of Retirement – Aspen Wealth Management: https://www.aspenwealthmgmt.com/resource-center/retirement/retirement-spending-plan-first-decade • Understanding Sequence Risk in Retirement, Part 2 – Purposeful Planning podcast: https://shows.acast.com/purposeful-planning-aspen-wealth/episodes/understanding-sequence-risk-in-retirement-part-2 • Longevity Risk and Financial Security: Planning for a Longer Retirement – Aspen Wealth Management: https://www.aspenwealthmgmt.com/resource-center/retirement/longevity-risk-financial-security • Early Retirement and Tax-Smart Roth Conversions – Aspen Wealth Management: https://www.aspenwealthmgmt.com/resource-center/retirement/early-retirement-and-tax-smart-roth-conversions • You've Done a Good Job Saving It: Do You Know the Best Way to Spend It? – Aspen Wealth Management: https://www.aspenwealthmgmt.com/resource-center/tax/retirement-withdrawal-strategies/ The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice. Hosted on Acast. See acast.com/privacy for more information.

Retiring abroad sounds cheaper on paper. The real question is whether it creates the life you actually want.In this episode, Ari responds to a listener considering retiring in Thailand within the next few years. The appeal is obvious. Lower healthcare costs, lower living expenses, and the possibility of stretching retirement dollars much further than they would in the United States.But the conversation quickly shifts beyond the math. Ari walks through the tradeoffs people often underestimate when considering retirement abroad. Community, family, healthcare quality, lifestyle expectations, and whether saving money alone is enough reason to move somewhere permanently.The financial side matters too. Rental income, healthcare costs, withdrawal strategy, and cost of living all play a role in determining whether the plan is realistic. But even a perfect spreadsheet cannot answer the deeper question of where you actually want to build your life.Because retirement planning is not just about lowering expenses. It is about creating a life you are excited to wake up to every day.--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.

Can you retire early with private equity, direct indexing, and a mega backdoor Roth? In this episode of Money Matters, Scott and Pat help one investor weigh big decisions—from helping adult children buy homes to managing portfolio risk—before an aggressive retirement. Then, they follow up with a high-income saver who put their "mega backdoor" advice into action and is now looking at direct indexing for better tax efficiency. From choosing the right advisor to making smarter investment moves, early retirement planning means getting the details right. Because a secure retirement isn't just about how much you've saved—it's what you do next. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.    

Episode 657:  Steve and Zach walk through the key moves that can help turn early retirement from a dream into a workable, lasting plan. Next, learn how those “it's just a few dollars” purchases can turn into real money, and how to bring them back under control.

In this episode Michael shares his thinking behind his decision to step away from full-time work and begin early retirement before turning 43. He reflects on two stories that have stayed with him: Norman, an 80-year-old former WWII fighter pilot who wished he could have five years of his life back, and a MrBeast contestant who turned down $500,000 rather than spend another 100 days away from his family. For Michael, both stories underline the same lesson: there comes a point when more money simply isn't worth trading away more time. After spending much of the summer living a slower, simpler life with his family in West Clare, Michael realised that many of the things that make life enjoyable cost very little - trips to the beach, football in the garden, cooking at home, building a treehouse and simply having time together. With the family investment portfolio now approaching €1 million, he explains the numbers behind his retirement plan, including the proposed sale of their first investment property, drawing income from their rental-property company, and using the money from the property sale to help bridge the years until their longer-term investments and pensions become accessible. After eight years of pursuing financial independence, Michael believes he has finally reached the point where the most valuable thing his money can buy is time. Show Notes: Subscribe to the Irish FIRE Newsletter: https://www.firepodcast.ie/newsletter This episode has been sponsored by KennCo Insurance. KennCo Underwriting Ltd T/A KennCo Insurance is regulated by The Central Bank of Ireland. This episode has also been sponsored by Moneycube.  Moneycube is regulated by The Central Bank of Ireland.

Retirement planning often sounds like a math problem.But sometimes the most important question is not whether you can retire. It is what kind of life you want your money to support.In this episode, Ari Taublieb, CFP®, responds to a listener who is 52 year old and hopes to retire at 55 with approximately $2.8 million saved. On paper, he appears to be in a strong position. But like many people approaching retirement, he is trying to balance competing goals.He wants the freedom to spend more, travel, fly airplanes, and enjoy experiences he has worked decades to afford. At the same time, he is considering purchasing a home, navigating the Rule of 55, and figuring out how much is actually safe to withdraw without creating problems later.The challenge is not a lack of resources. It is deciding which priorities matter most.Ari walks through the tradeoffs involved when multiple goals compete for the same dollars. Buying a home may provide peace of mind, but it can reduce the assets available to generate retirement income. Spending more can create incredible experiences, but it may require accepting a different long-term outcome. Delaying retirement can improve the numbers, but it may come at the cost of years that can never be recovered.The deeper conversation centers around a mistake many future retirees make. They focus on reaching a specific net worth target instead of determining what income and lifestyle they actually need.By reverse engineering retirement around spending goals, future Social Security benefits, pension income, and personal priorities, a clearer picture begins to emerge.The takeaway is simple. Retirement is not about maximizing every financial decision. It is about understanding the tradeoffs, making intentional choices, and building a plan that supports the life you actually want to live.--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.

You've heard of FIRE, Financial Independence, Retire Early. And maybe your first reaction is: those people are a little extreme. But what if you stripped away the extreme version? What if early retirement just meant leaving the workforce in your late 50s, or stepping back a few years before 65… on your own terms? That's exactly what we're digging into in this special mailbag episode with the co-hosts of the Catching Up To FI podcast.  Together, Bill and Jackie answer your real questions, including: How do you plan for health insurance before Medicare kicks in? How much cash do you really need on hand when you retire early? I've been financially independent for three months. How do I reallocate my portfolio now that I'm in drawdown mode? How do you plan for FIRE when you're also caring for an aging parent?

I've had around five clients retire in my career. Most of them came back to work within a year, not because they needed the money, but because they had nothing to go to.Court Carruthers is the exception. Former group president at Grainger. Ran a global packaging company from 2017 to 2021. Tripled it. Sold it. And has been doing retirement right ever since.We covered what actually makes early retirement work (and why most people get it completely wrong).------✅ Financial planning for 30-50 year old entrepreneurs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.allstreetwealth.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠✅ My personal blog & newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thomaskopelman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Disclaimer: None of this should be seen as financial advice. It is just for informational purposes.

Bernadette Joy, founder of Crush Your Money Goals, shares her unexpected journey into early retirement at 41, the emotional and financial surprises along the way, and how she's redefining purpose and joy in this new chapter of life. Check out her column for CNBC on the topic.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Retiring early is one thing. Trusting that you can stay retired is something completely different.In this episode, Ari responds to a listener who retired at 48 while her husband prepares to leave work as well. The numbers say they are in a strong position, yet the doubt still lingers. Are we really okay. Did we miss something. Should we keep working just to be safe.Ari explores why so many people struggle to trust their retirement plan even after years of disciplined saving and investing. Sometimes the issue is not the math. It is the emotional weight of making a decision that most people around you are nowhere near making.The conversation also touches on the real role of a financial advisor. Not simply managing investments, but helping validate assumptions, pressure test decisions, and bring confidence to a transition that can feel far bigger than a spreadsheet.Because retirement confidence is not about eliminating every doubt. It is about understanding your plan well enough to move forward anyway.--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.

What happens if retirement arrives years earlier than planned? This episode explores the financial decisions that can follow an unexpected job loss, including how to bridge income gaps, evaluate Social Security timing, and navigate healthcare options. Nolan Baker also breaks down the backdoor Roth IRA strategy and the tax pitfalls that can catch investors off guard. Plus, learn why more retirees and advisors are considering annuities for dependable income, and why a simple buy-and-hold approach may create risks during retirement. The discussion focuses on coordinating income, taxes, investments, and retirement planning decisions when timing and strategy matter most. 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.See omnystudio.com/listener for privacy information.

Five million dollars sounds like more than enough to retire. The real question is whether it supports the life you actually want to live.In this episode, Ari responds to a listener planning to retire around age 55 with roughly $5.1 million and spending close to $16,000 to $17,000 per month. On the surface, the math looks close. A simple rule might suggest it works. But real retirement decisions are rarely that simple.The first layer is structure. How much of that money is in pre tax accounts versus a brokerage account. When most assets are locked inside retirement accounts, access, taxes, and flexibility all become part of the equation.The second layer is concentration. A portion of the portfolio is tied to company stock. That can create opportunity, but it can also introduce risk if too much of the plan depends on a single position. Diversification becomes less about theory and more about protecting the outcome.Then comes the part most plans skip. Lifestyle. Spending is not static. The early years often look different from later years. More travel. More activity. More flexibility. A flat monthly number rarely captures how retirement actually unfolds.Ari also challenges the idea that every dollar needs to be optimized. In some cases, working longer, spending differently, or even pursuing a hobby that costs money can improve quality of life more than maximizing an ending balance.The takeaway is simple. A strong portfolio creates options. The real decision is how to use those options in a way that aligns with your priorities, your time, and the kind of retirement you want to build.--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.

What happens when leverage, confidence, and speculation collide? Jake and Cory begin this episode by discussing a highly leveraged hedge fund and the risks of investing with borrowed money. They also explain how options strategies may help executives manage concentrated company stock before turning to a deeper question: Is retiring as early as possible really the right goal? The conversation explores the difference between financial independence and leaving work, why purpose remains important in retirement, and why a complete retirement plan should address what you are retiring to—not only whether you can afford to stop working. --------------- Get your complimentary guide to retirement https://falconwealthadvisors.com/jake-falcon-book-signup.html?utm_source=podcast&utm_medium=content&utm_campaign=rr_ebook   Get Jake's weekly blog https://falconwealthadvisors.com/index.html?utm_source=youtube&utm_medium=video&utm_campaign=upticks#ID2GUSO1Sj8Upy1QWdqVxHOM   Question for Jake and Cory? Email Luke → luke@falconwealthadvisors.com  Watch clips of this episode on YouTube https://youtube.com/@uptickspodcast?si=H2Nj_aq7Jdh9AIc4   Follow Jake and Cory https://www.instagram.com/jake_falcon_crpc/?hl=en  https://www.instagram.com/corybittnerkc/  #retirementplanning #financialindependence #investing #stockoptions #uptickspodcast

In this Q&A, Andrew answers eight real listener questions, plus an AI privacy leak that could already have your data sitting in Google search results.

Ron Kelleher on Kingdom Leadership, Workplace Ministry, and Integrating Faith in the MarketplacePastor Steve Gladen records a special SG Squared episode at the Lobby Gathering with Ron Kelleher, first sharing an update that Ron has been diagnosed with colon cancer and requesting prayers for him and his family. Ron describes his 40-year marriage to Barbara, their two adopted children (including a special-needs son), and how Saddleback became their church home through its special-needs ministry. He recounts a 36-year career at Procter & Gamble spanning sales and multicultural marketing, then early retirement in 2009, seminary at Talbot, and a renewed calling to workplace ministry. Ron has written 701 weekly blog articles at www.ronkelleher.com and discusses his book, Kingdom Leadership: Embodying Christ in the Marketplace (https://a.co/d/0fodzIlS), built around 12 biblical leadership characteristics, highlighting stewardship and prayerful leadership. Steve offers six free autographed copies via email, and Ron shares contact info at ron@ronkelleher.com.00:00 Prayer Update for Ron00:45 Show Intro at Lobby Gathering01:59 Meet Ron and Family03:23 Career at Procter and Gamble06:38 Finding a Church Home09:11 Early Retirement and Calling13:33 Writing and Online Resources14:54 Kingdom Leadership Book Overview17:40 Key Traits Stewardship and Prayer25:11 Next Book Faith Driven Leadership26:59 Book Giveaway and Contact Info28:32 Final Encouragement and Outro ★ Support this podcast ★

Retiring at 47 is early by any definition. In this 2SFI Rewind episode, Jason reflects on his first year in early retirement. Not everything went smoothly as you might expect. Learn what's changed, what's been better, what's worse, and - importantly - has it lived up to his expectations? If you're excited to reach this milestone but still harbor some reservations about crossing into "retirement", Jason offers a grounded, thoughtful perspective on what to expect and how to prepare for such a life-altering transition.  Read more about his journey on his blog, starting with the post that originally accompanied this episode: https://www.thenextphaseisnow.com/p/yearone

Sometimes retirement planning is not about optimization. It is about rebuilding.In this episode, Ari Taublieb, CFP®, responds to a voicemail from a 52 year old widow whose life changed overnight. The plan she once built with her spouse no longer applies, but the desire to retire early and live intentionally is still there.On paper, she is in a strong position. Over $2.5 million saved across retirement accounts, no debt, a paid off home, and relatively low spending. The question is not whether she can retire. It is how to navigate the years before 59 and a half, when most of her money is not easily accessible.Ari walks through the real constraint. It is not total wealth. It is flexibility. With limited funds in a brokerage account, generating income in the early years requires careful coordination. That could mean drawing from taxable assets, adjusting spending, or continuing part-time work not out of necessity, but as a bridge that preserves long-term growth.But the deeper conversation goes beyond numbers.After a loss like this, the goal is not to build the most efficient plan possible. It is to build a life that feels meaningful again. Travel. Volunteering. Creating structure and purpose. The financial plan exists to support that, not replace it.There is also a quiet risk that shows up in moments like this. Playing it too safe. Delaying experiences out of fear of running out later, only to realize those early years were the ones that mattered most.The takeaway is simple. A good plan adapts when life changes. A great plan makes space for what matters now, not just what might matter decades from now.--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.

Most people think tax strategy is the starting point. It's not. It's the final layer that sits on top of a life you actually want to live.In this episode, Ari Taublieb, CFP®, responds to a listener with over $3 million across pre-tax, Roth, and brokerage accounts, plus a pension and future Social Security. On paper, everything looks optimized. In reality, he's stuck on a question that keeps a lot of high savers from moving forward.Should he use his brokerage account for income, for tax strategies, or to fund Roth conversions?The answer is not as simple as picking the most tax-efficient move. In fact, focusing on taxes first can lead to the wrong outcome entirely. Ari walks through why having too much income later in life can create a “tax bomb,” how required minimum distributions change the equation, and why Roth conversions can make sense when future tax rates are likely higher.But the real takeaway has nothing to do with spreadsheets.Before deciding on conversions, withdrawal strategies, or tax brackets, the first question is much simpler. How much do you actually want to spend? Without that clarity, even the best tax plan can lead to regret. With it, the right strategy becomes much easier to see.Because the goal is not to minimize taxes at all costs. The goal is to use your money in a way that actually improves your life while you still have the time and energy to enjoy it.--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.

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.

Keen on Retirement listener "Joe" is 51 and his wife is 60. They are thinking about an early retirement before either of them turns 65. Joe wrote in asking about the best strategy for coordinating Social Security benefits around that retirement goal. Should they take his wife's benefits now? Delay benefits to keep their income low and make Roth conversions? And since they're both too young to collect Medicare, how will their Social Security benefits affect their Affordable Care Act (ACA) subsidies? The good news is that Joe and his wife are already thinking about the main topic of today's episode: when you pull one lever on your retirement plan, another piece adjusts.  Working with a professional advisor can help you navigate these interconnected decisions with greater clarity and confidence.

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.

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/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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.

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.

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.