Podcasts about early retirement

The HMB gang get surprised when Yams calls it quits,

Bongani Bingwa speaks to Dr. Heleen Hofmeyr, Senior Researcher at Stellenbosch University and Co-author of the Teacher Preferences and Job Satisfaction in South Africa report, about the growing crisis in South Africa’s education system. With overcrowded classrooms, rising incidents of school violence, and dwindling resources, teachers are under immense pressure. The conversation explores how these challenges are affecting teacher morale, job satisfaction, and ultimately, the quality of education for South African learners. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Listen live on Primedia+ weekdays from 06:00 and 09:00 (SA Time) to Breakfast with Bongani Bingwa broadcast on 702: https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/36edSLV or find all the catch-up podcasts here https://buff.ly/zEcM35T Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

A new study shows that retiring early can take nine years off your life. Bruce and Gaydos talk about why you need to work longer.

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

Today, we have a Canadian guest who has literally done over 400 interviews with different personal finance experts over the years, many of which were specifically for Canadians. Today, I pick his brain on the common conclusions, best practices, and recurring advice he's heard after interviewing so many personal finance experts. My guest, Kyle Prevost, is also part of the FIRE (financial independence, retire early) movement and was able to hit his financial independence number at a very early age. I pick his brain on what safe withdrawal rate he has settled on and why, based on his extensive research, so that he doesn't run out of money in his early retirement and is able to live off his portfolio permanently. I also ask him what has really moved the needle for him in terms of growing his net worth to reach financial independence so quickly, and what he does now to help ensure that he stays financially independent and doesn't have to go back to work, when we have the next major stock market crash. Free tickets to the Canadian Financial Summit:  https://buildwealthcanada.ca/summit The Summit is from October 22-25 this year so be sure to grab your free tickets at the link above. You can also see all the speakers and talks at that link too. Questions Covered: After interviewing well over 400 personal finance experts over the years, what are some of the most impactful lessons or recurring pieces of advice that you've heard? A few years ago, you created a retirement course where I remember my favourite section being your findings on the safe withdrawal rate - in other words, how much can we all withdraw from our investment portfolio to be able to live off it long-term? What are your current thoughts on a safe withdrawal rate, based on the research that you've seen, and have your views changed over time? I know living abroad and travelling is something that you and your wife have done a lot of. When it comes to saving money on travel, can you give us 3 to 5 pieces of advice that you found really moved the needle for you when it comes to either not overpaying, or where you were able to really maximize the value that you received per dollar spent? Now that you've hit FI years ago, do you still find earning more money to be a motivating factor for you? The last time you were on the show, you mentioned that it was as it lets you experience more when it comes to travel (among other things). Now that you've been FI for even longer, and since the markets have done so well over that time, do you find accumulating more money is still the motivator it once was? Or do you now get motivation and fulfillment from other things? If both you and your wife were to stop generating any additional income through part-time work or side projects, how would you approach your cash position and asset allocation? Follow up: Since you are still generating some income as a household post FI, how does that change how much you keep in cash and how you structure your asset allocation?  With the markets at all time highs again, there are definitely those that are getting nervous and worrying about a drop in the markets in the near future. What do you personally do to ensure you don't run out of money and are forced to return to 9-5 work if we were to have another 2008 scenario? Over the decades, what factors have truly moved the needle for you in terms of net worth generation? Tell us where we can hear more from you and about the Canadian Financial Summit.    

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

Lisa Erickson spent 37 years in financial services, ultimately leading the Public Markets Due Diligence team at U.S. Bank, which manages over $500 billion in client assets. In addition to her business acumen, she was best known for her selflessness, positivity and character. But earlier this year, Lisa chose to retire early after being diagnosed … Read More Read More

In this episode of A Wiser Retirement® Podcast, Casey Smith, and Financial Advisor Michaela Dowdy dive into how retirement planning isn't just about matching today's income with today's expenses. It's about preparing for the future value of money.Related Podcast Episodes: Ep 245. Strategies for Early Retirement and Long-Term SecurityEp 212. Medical Costs During Retirement and Preparing for the UnexpectedRelated Financial Education Videos:How Often Should You Review Your Retirement Income Plan?What to Do When a Loved One Isn't Financially Prepared for RetirementLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

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

PFR Nation,We just announced our FREE GIVEAWAY winner and runner-up on the YouTube channel last Thursday. Thank you all for participating and making that process super enjoyable and engaging. One of the questions I asked for the giveaway was “What is one thing related to planning for retirement that keeps you up at night?” We received some amazing responses!! So, I thought I would dedicate this episode and the next to addressing some of the best questions in that YouTube thread. This episode, we will wrestle with three of them:I have the majority of my retirement savings in pre-tax accounts, so I am worried about how to do the complex math to optimize Roth conversions before RMDs kick in.I worry that after a lifetime of saving, will I be able to draw down my retirement savings?My wife is 9.5 years younger than me. I want to retire in a few years at 55, not sure how long after that she'll keep working. But with that age gap it's a long retirement timeline. How best do you plan for that?You're not going to want to miss this one and hope you find it useful! Thanks for tuning in.-Kevin Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Feeling like time is flying by and you’re behind on retirement planning? In this episode, Brandon Bowen shares why it’s never too late to take action, even as the year winds down. Discover why most people retire earlier than planned, how proactive planning can help you retire on your terms, and why your retirement deserves as much attention as your biggest vacation. Hear real client stories about building income plans, reducing risk, and creating a blueprint for a fulfilling retirement—so you can spend more time doing what you love. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What does a 10-year-old millionaire, a modest warehouse worker, and a high-earning car enthusiast have in common? Their retirement futures depend more on habits than income. In this episode, Abe Ashton explores how smart decisions, not just big paychecks, shape lasting financial security. Real stories reveal why living below your means and planning early can make all the difference for your family and your retirement. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. Tune into Abe and his team on Tuesday at 5:30pm on Patriot Radio KSGO. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

Can you really buy back years of your life with smart retirement planning? The team at A Better Way Financial shares real stories and strategies for reducing stress, retiring earlier, and living confidently. Discover how a personalized retirement roadmap can reveal your true income potential, help you retire sooner, and make the most of your savings—so you enjoy more time doing what you love. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

On episode 114 we lay out how the potential expiration of enhanced ACA subsidies after 2025 could affect early retirees and what can be done ahead of time to prepare. Practical planning moves to manage MAGI, use HSAs, shore up cash flow, and keep retirement on track without panic.• Expanded subsidies, what they did and why they matter • When the enhancements are set to expire and likely 2026 impact • How uncertainty creates budgeting stress for early retirees • Sticker shock for ages 58–64 off employer plans • MAGI management with CPAs and planners • HSA strategy to bridge pre‑Medicare years • Delaying large purchases to maintain flexibility?• Should you consider part‑time work with benefits?

In this episode of the BiggerPockets Money Podcast, hosts Mindy Jensen and Scott Trench are joined by tax experts Sean Mullaney and Cody Garrett to reveal how early retirement can actually be your smartest tax strategy. The conversation immediately tackles one of the biggest misconceptions holding people back from FIRE - the fear that retiring early means facing higher taxes. Instead, they demonstrate how lower retirement income typically translates to significantly lower tax bills, completely flipping the conventional wisdom about retirement tax planning. The discussion dives deep into their comprehensive approach to tax planning for early retirement, centered around the powerful concept of "Pay Tax When You Pay Less Tax." This isn't just theory - they break down practical, tax-efficient strategies that can save you thousands, including optimizing traditional 401k contributions, maximizing Roth IRA conversions, and strategically managing taxable investment accounts. These aren't complex maneuvers requiring a team of accountants; they're accessible strategies that any early retiree can implement. Beyond the big-picture tax strategies, this episode tackles the real-world challenges that derail many FIRE plans. Learn how to build robust emergency reserves that won't trigger unnecessary tax consequences, handle unexpected income disruptions without destroying your tax efficiency, and leverage advanced techniques like qualified charitable distributions to further reduce your tax burden. Whether you're years away from retirement or already making the transition, this episode provides actionable insights to minimize your lifetime tax burden while maximizing your financial independence. The discussion is intended to be for general educational purposes and is not tax, legal, or investment advice for any individual. Mindy, Scott, and the BiggerPockets Money podcast do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc. and their services.  00:00 Taxes in Early Retirement 00:54 Debunking Tax Myths in Early Retirement 03:03 Understanding Taxable Income in Retirement 04:10 Effective Tax Strategies for Early Retirees 05:37 Capital Gains and Tax Rates 12:25 Tax Planning Tools and Calculators 23:43 Tax Optimization Strategies 24:27 Debate: 401k vs Roth IRA 24:56 Order of Operations for Financial Independence 25:42 Roth IRA Conversion Strategies 32:33 The Middle Class Trap 39:09 Tax Strategies for New Investors 44:21 Connect with Sean and Cody Learn more about your ad choices. Visit megaphone.fm/adchoices

If your paycheck stopped today how long could you keep your lifestyleIn this episode Moise Piram and Andrew Nida from Asset Management Group Inc share a simple roadmap to start saving for early retirement and calculate your number with clarity. You will learn how to reach a 20 to 25 percent savings rate without feeling broke where each dollar should go and how to design a flexible withdrawal plan around 3.7 to 4.0 percent.What you will learn today• How to estimate your early retirement spending and translate it into a target number• The savings sequence that works match then HSA then IRA then max your plan then taxable• How to set realistic return expectations so your plan does not rely on luck• How to crush high interest debt build a cash buffer and right size big expenses• How to design a paycheck in early retirement with cash reserves and guardrails• Two real client stories that show what works and what stallsLike the video subscribe to the channel and share this with a friend who wants work to be optional soonerImportant notesThis video is for educational purposes only and is not investment tax or legal advice. Investing involves risk including possible loss of principal. Examples are hypothetical and for illustration only. Speak with a qualified fiduciary advisor about your specific situation. Rates limits and laws can change. All opinions are those of the speakers at the time of recording.Follow us onX.com: https://x.com/AMGinc_ATLInstagram:   / assetmanagementgroupinc  LinkedIn:   / amgincatl  Website: https://www.assetmg-inc.com/YouTube:   / @assetmanagementgroupinc  #earlyretirement #financialplanning #retirementplanning #wealthmanagement #RothIRA #HSA #401k #financialindependence #debtfree #investing early retirement, retire early, how much to retire, retirement number, retirement math, safe withdrawal rate, 4 percent rule, 3.7 p...

Brad Barrett hosts Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, exploring essential tax strategies for the FI community. They address misconceptions about retirement taxes, the drawdown process, and effective tax rates, emphasizing the importance of informed planning to navigate financial independence smoothly. Key Takeaways: Understanding the complexities of drawdown strategies is essential for early retirement planning. Fear surrounding retirement taxes can often be mitigated through knowledge and strategic planning. Most retirees benefit from significant tax reductions due to lower effective tax rates during retirement. The podcast discusses common misconceptions about Required Minimum Distributions (RMDs) and their actual impact on retirees. Timestamps: 00:01:38 - Overview of Tax Planning To and Through Early Retirement 00:02:33 - Understanding the complicated drawdown process 00:07:22 - Eliminating fear from tax planning 00:10:06 - Long-term capital gains taxation and early retirement 00:28:39 - Tax optimization strategies 00:39:01 - Strategic tax planning leading to zero tax liability 00:58:47 - Discussion on RMDs and tax implications in retirement Key Insights: The drawdown process is often misunderstood but vital for financial planning. (00:02:33) Fear of taxes can hinder retirement planning; proper understanding can lead to rational decisions. (00:07:22) Most retirees can pay lower taxes than perceived and often face less tax liability. (00:28:15) Effective tax strategies can enable some retirees to pay zero taxes during retirement. (00:39:01) Misconceptions exist surrounding RMDs; they may not be as detrimental as commonly feared. (01:00:14) Actionable Takeaways: Consider early Roth conversions to maximize tax credits, particularly if you anticipate low income post-retirement. (00:44:07) Utilize long-term capital gains to minimize taxable income effectively in retirement. (00:10:06) Aim to reduce ordinary income during retirement to take advantage of favorable tax environments. (00:41:37) Discussion Questions: What are some strategies that can minimize tax burdens in early retirement? (00:28:39) How do RMDs impact retirement planning, and should retirees be concerned about them? (01:00:14) What are the implications of long-term capital gains on retirement income? (00:10:06) Resources Mentioned: Tax Planning To and Through Early Retirement - Paperback Tax Planning To and Through Early Retirement - Kindle Edition Related Episodes: Episode 557: Health Insurance Planning for Early Retirees   Disclaimer: Sean's discussions on the ChooseFI podcast and articles and messages published on ChooseFI.com are intended for general educational purposes and are not tax, legal, or investment advice for any individual. The ChooseFI podcast and its owners, employees, and agents do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., or their services.

Have you ever heard of Coast FIRE? It's a fresh approach to Financial Independence, Retire Early that doesn't mean walking away from work altogether. Instead, Coast FIRE is about saving aggressively in your early years so your investments can grow to cover retirement, giving you the freedom later to focus on passion projects, flexible work, or simply enjoying life without the financial pressure. Find the show notes, resources, and watch the video version at www.thewealthmindsetshow.com/s2e20Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

457 plans may look like 401(k)s, but they come with powerful benefits—and costly pitfalls if misunderstood. Jeremiah Bates and Alex Lundgren explain how to maximize contributions, avoid penalties, and use 457s to unlock early retirement strategies. Plus, not all 457s are built the same... Work for a non-profit? These are the things you MUST know.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Alex Lundgren  

In this episode of the Personal Finance Podcast,  we are going to talk about the 7 biggest mistakes people make in retirement. How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode: 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 1 10 Powerful Portfolio Strategies (And Which One is Right for You!) - Part 2 How I Break Down Index Funds for My Portfolio How to Pay No Taxes in Early Retirement, Debunking the Mortgage Fee Fiasco, and More! With Katie Gatti (From Money With Katie!) Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, Paul and Evan talk about the Federal Reserve remaining neutral amidst Trump's rhetoric around trying to influence the bank and interest rates. The two advisors talk about why they aren't confident that Trump will follow through on the pressure and dive into some of the history of this independent bank, as well as which countries have not kept their nation's banks independent and which countries don't have nationalized banks at all. Then, they switch topics to address a listener's question about how social security benefits are penalized if you retire early and how to calculate if you're hurting or helping your benefit if you continue to work past your retirement age.   Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

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 3277: Jill reflects on the emotional and relational shifts that occur when one partner retires early while the other continues working. She shares candid lessons about identity, expectations, and creating new rhythms together, offering perspective for couples navigating different paths to financial independence. Read along with the original article(s) here: https://www.madfientist.com/spouse-early-retirement/ Quotes to ponder: "Early retirement is amazing, but it does introduce some unique challenges if your spouse is still working." "When your identity and self-worth have been tied to your job for so long, it can be hard to adjust when that job suddenly disappears." "Just because you're not working doesn't mean you can't be productive or contribute in meaningful ways." Episode references: The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Early Retirement Extreme: https://www.amazon.com/Early-Retirement-Extreme-Philosophical-Practical/dp/145360121X Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 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 3277: Jill reflects on the emotional and relational shifts that occur when one partner retires early while the other continues working. She shares candid lessons about identity, expectations, and creating new rhythms together, offering perspective for couples navigating different paths to financial independence. Read along with the original article(s) here: https://www.madfientist.com/spouse-early-retirement/ Quotes to ponder: "Early retirement is amazing, but it does introduce some unique challenges if your spouse is still working." "When your identity and self-worth have been tied to your job for so long, it can be hard to adjust when that job suddenly disappears." "Just because you're not working doesn't mean you can't be productive or contribute in meaningful ways." Episode references: The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Early Retirement Extreme: https://www.amazon.com/Early-Retirement-Extreme-Philosophical-Practical/dp/145360121X Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 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 3277: Jill reflects on the emotional and relational shifts that occur when one partner retires early while the other continues working. She shares candid lessons about identity, expectations, and creating new rhythms together, offering perspective for couples navigating different paths to financial independence. Read along with the original article(s) here: https://www.madfientist.com/spouse-early-retirement/ Quotes to ponder: "Early retirement is amazing, but it does introduce some unique challenges if your spouse is still working." "When your identity and self-worth have been tied to your job for so long, it can be hard to adjust when that job suddenly disappears." "Just because you're not working doesn't mean you can't be productive or contribute in meaningful ways." Episode references: The 4-Hour Workweek: https://www.amazon.com/4-Hour-Workweek-Escape-Live-Anywhere/dp/0307465357 Early Retirement Extreme: https://www.amazon.com/Early-Retirement-Extreme-Philosophical-Practical/dp/145360121X Your Money or Your Life: https://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766 Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Trench once felt limited in a corporate job, questioning whether financial freedom before retirement was even possible. Afraid of wasting decades climbing the corporate ladder for incremental raises at the cost of his freedom, he embraced frugality, disciplined saving, and smart investing. By the age of 27, he had achieved financial independence. In this episode, Scott shares his Financial Independence, Retire Early (FIRE) journey and actionable strategies for building wealth early, empowering you to reach financial freedom long before retirement. In this episode, Hala and Scott will discuss: (00:00) Introduction (02:23) From Early Career to BiggerPockets CEO (08:47) Scrappy Lessons and Startup Growth Hacks (13:51) Scaling BiggerPockets: Strategy and Growth (19:18) How BiggerPockets Makes Money (26:42) Stepping Down as CEO to Become a Full-Time Creator (30:14) The FIRE Movement and Its Evolving Models (39:47) Frugal Living, Wealth Building, and Saving Hacks (45:51) Smart Real Estate Strategies for Beginners (57:59) Different Paths to Financial Independence Scott Trench is a real estate investor and former CEO of BiggerPockets, the world's largest community for real estate investors. He co-hosts the BiggerPockets Money podcast, sharing insights on personal finance and wealth building. Scott is the bestselling author of Set for Life and a leading voice in the FIRE (Financial Independence, Retire Early) movement, promoting strategies for financial planning, investment, and early retirement. Sponsored By: Airbnb - Find yourself a cohost at airbnb.com/host  Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  Open Phone - Get 20% off your first 6 months at OpenPhone.com/profiting.  DeleteMe - Remove your personal data online. Get 20% off DeleteMe consumer plans at to joindeleteme.com/profiting  SKIMS - Shop SKIMS Fits Everybody collection at SKIMS.com  Policy Genius - Secure your family's future with Policygenius. Head to policygenius.com/profiting  Masterclass - Get an additional 15% off any annual membership at https://masterclass.com/profiting  BitDefender - Save 30% on your subscription at bitdefender.com/profiting  Resources Mentioned: Scott's Book, Set For Life: bit.ly/SetforLife  Scott's Instagram: instagram.com/scott_trench  Scott's Podcast, BiggerPockets Money: bit.ly/BPMP-apple  Scott's YouTube, BiggerPockets Money: bit.ly/BPM-YouTube  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Stock Market, Scalability, Risk Management, Business Coaching, Finance Podcast.

ChooseFI unveils a new feature on the website that allows listeners to have their financial independence questions answered by experts. Featuring in-depth discussions with Karsten Jeske (Big Earn) and Fritz Gilbert, the episode explores the ramifications of potentially increasing the safe withdrawal rate and provides critical insights into retirement strategies, including cash flow considerations like Social Security and required minimum distributions (RMDs). Key Topics Discussed: Introduction to New Features (00:00:00) Introduction of a Q&A functionality on the ChooseFI website for community engagement. Listener Questions Segment (00:00:36) Introduction to the expert answers provided by Karsten and Fritz. Discussion on Safe Withdrawal Rates (00:05:26) Explanation of the traditional 4% rule and its significance. Karsten's Perspective on the 5.5% Rate (00:07:45) Critique of Bill Bangan's proposed increase in the safe withdrawal rate and why it may be misleading. Nuances of Early Retirement (00:34:25) Insights on adjusting retirement strategies when planning for longer horizons, emphasizing the time value of money. Fritz on RMDs and Safe Withdrawal Rate (00:36:16) Explanation of how RMDs impact withdrawal strategies, highlighting that RMDs apply only to pre-tax accounts. Actionable Takeaways: Adjust SWR to account for extended Retirement horizons Incorporate potential income sources such as Social Security into your retirement planning. (00:35:01) Carefully consider your asset allocation to manage risks related to early retirement (e.g., sequence of return risk). (00:48:06) Key Quotes: "The proposed 5.5% withdrawal rate is misleading and overly optimistic." (00:09:21) - Karsten Jeske "A safe withdrawal rate must not fall below 3.25% for financial security." (00:35:41) - Karsten Jeske "Plan for additional income sources like Social Security in retirement." (00:35:01) - Karsten Jeske "RMDs do not dictate your total spending in retirement." (00:39:00) - Fritz Gilbert "Behavioral finance warns against the pitfalls of emotional investing." (00:51:16) - Brad Barrett Timestamps: 00:02 - Invitation to submit questions at choosefi.com/feedback. 00:05 - Introduction of Karsten Jeske and Fritz Gilbert. 00:09 - Discussion on the safe withdrawal rate controversy. 00:35 - Required minimum distributions explained. 00:49 - Dynamic withdrawal strategies overview. Discussion Questions: How do you view the proposed increase in safe withdrawal rates? What strategies are you incorporating to prepare for early retirement? In what ways can Social Security impact your withdrawal strategy? How do you reconcile RMDs with your personal withdrawal goals? Related Resources: Early Retirement Now Blog: Insights into safe withdrawal rates. Retirement Manifesto: A guide to successful retirement strategies

Retirement isn't just a finish line, it's a brand new chapter. In this episode of A Wiser Retirement® Podcast, Casey Smith and Financial Advisor Michaela Dowdy outline eight key things you should focus on starting five years before retirement. While more time is always better, the 3–5 year mark is when many people get serious. Here's how to make the most of it.Related Podcast Episodes:- Ep 276: How to Make Sure You're Ready for Retirement - Ep 245: Strategies for Early Retirement and Long-Term Security Related YouTube Videos:- Investing for Income vs Growth in Retirement: Finding the Balance- The 4% Rule in Retirement Isn't for EveryoneLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Retirement doesn't follow a script - it rewrites itself in real time. In this episode, Jason and Eric unpack why the classic “phases” of retirement actually overlap and how that feels day to day. They dig into the challenges of switching from super-saver to intentional spender, using side income (like options trading or creative work) to fund experiences without derailing the plan, and how travel has changed for them. No matter where you are on the FIRE path, there's something here for you. Show notes: https://twosidesoffi.com/phases

Hey Slaycation Nation, we're back with one of the most baffling recent cases in the Las Vegas area… which is saying a lot!  Without giving too much away — let's just say that 30-year-old, Utah man, Steven Koecher drove his car into one of the most desirable retirement communities in Nevada, parked in a cup-de-sac and simply walked away.   From there, things get truly strange. Lots of twists, turns and coincidences ensue — each only deepening the mystery. As always, we thank you for Slaycating with us and implore you to please stay safe out in these streets! Slaycation is recorded at the Brooklyn Podcasting Studio by Josh Wilcox Editing is by Kelley Marcano MORE KIM!:  Subscribe to SLAYCATION PLUS and get weekly ‘More Kim' bonus episodes. SUBSCRIBE to SLAYCATION PLUS right in Apple Podcasts, or on our website: ⁠⁠https://plus.slaycation.wtf/supporters/pricing⁠⁠ SLAYCATERS ONLY:  Interact with the Hosts and get behind the scenes info, photos and more in our FACEBOOK GROUP: ⁠⁠https://www.facebook.com/groups/394778366758281⁠⁠ MERCH!  Top quality ‘Pack Your Body Bags" tote bags, as well as Slaycation T-shirts, towels, sandals, fanny packs, stickers and more available at:  ⁠⁠https://plus.slaycation.wtf/collections/all⁠⁠ MORE INFO:  to learn more about Slaycation, the Hosts go to: ⁠⁠www.slaycation.wtf⁠⁠ EMAIL:  ⁠⁠info@slaycation.wtf⁠⁠ 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 3267: Jacob Lund Fisker explores the challenges of pursuing an unconventional lifestyle when family and friends follow more traditional financial and career paths. He highlights the tension between different value systems and offers perspective on navigating social expectations without compromising personal goals. Listeners gain insight into balancing independence with connection while staying true to their chosen path. Read along with the original article(s) here: http://earlyretirementextreme.com/extreme-early-retirement-vs-friends-and-relatives.html Quotes to ponder: "Friends and relatives are usually those who are not pursuing extreme early retirement, but they are still those we need to relate to." "It is much easier to interact with people who share the same values, but often those are not the ones who are closest to us." "An important skill is to respect each other's choices without trying to convert them." Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Our Facebook Group: https://bit.ly/3GeUmZ3 Are you putting off retirement because you're afraid of what you'll do with all that time? In this video, we're breaking down the real truths about retiring early and why waiting could mean missing the best years of your life. You'll hear how others have retired into something they love, like turning a passion for cycling into a part time job, and why having a plan gives you freedom instead of fear. We'll show you how to reclaim 40 hours a week, improve your health, strengthen your relationships, and build new routines that make you feel younger and more energized. If you've been wondering when the right time is to step away from work, this will help you see how to design a retirement that's full of purpose, joy, and possibility. #retirement_transformed #retirementcouple #retirement BUY MARK'S BOOK! The Evolving Man: Life Virtues Men Don't Talk About USEFUL FINANCIAL TOOLS https://geni.us/new_retirement Use this link for a FREE 14 Day Trial! [Get the FREE Downsizing Guide] How to prepare to downsize your home CONNECT: Engage in our Free Facebook Community ✔️ Facebook: https://www.facebook.com/retirementtransformed ✔️ Instagram: https://www.instagram.com/retirementtransformed ✔️ LinkedIn: https://www.linkedin.com/company/retirementtransformed ✔️ Amazon Shop: https://www.amazon.com/shop/retirementtransformed ABOUT RETIREMENT TRANSFORMED Husband and wife duo, Mark & Jody Rollins, inspire and serve as personal guides to meaningful, transformational journeys for individuals who are planning for, going through or are living in retirement. This is everything in retirement beyond your financial plan. We are not financial advisors or medical experts. Any advice we give is our own and should not be taken as professional advice. This video is for informational and entertainment purposes only. Please seek professional assistance before making any financial decisions or changes that can affect your physical or mental health. FTC: Some links mentioned above may be affiliate links, which means we earn a small commission if you buy a product from the specific link. This video is not sponsored. All Content and video segments are the copyright and owned by ©Retirement Transformed and cannot be used without permission.

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 3267: Jacob Lund Fisker explores the challenges of pursuing an unconventional lifestyle when family and friends follow more traditional financial and career paths. He highlights the tension between different value systems and offers perspective on navigating social expectations without compromising personal goals. Listeners gain insight into balancing independence with connection while staying true to their chosen path. Read along with the original article(s) here: http://earlyretirementextreme.com/extreme-early-retirement-vs-friends-and-relatives.html Quotes to ponder: "Friends and relatives are usually those who are not pursuing extreme early retirement, but they are still those we need to relate to." "It is much easier to interact with people who share the same values, but often those are not the ones who are closest to us." "An important skill is to respect each other's choices without trying to convert them." Learn more about your ad choices. Visit megaphone.fm/adchoices

What does life look like when you stop trading time for money and start living on your own terms? In this episode of Everyone's Talkin' Money, I sit down with Daniel C. Rodgers — award-winning author of Escape The Clock: Your Program Guide for Financial Freedom and Early Retirement and host of the Escape the Clock Podcast. After 20 years in tech, Daniel walked away from the 9-to-5 grind to design a life filled with purpose, freedom, and impact. Today, he teaches financial literacy, coaches people one-on-one, and helps others create personalized roadmaps to financial independence. You'll hear: Why the traditional retirement model no longer works — and what's replacing it The truth about FIRE (Financial Independence, Retire Early) and whether it's realistic How to calculate your number instead of chasing someone else's formula The psychology of money, golden handcuffs, and what really holds people back Why financial freedom isn't about escaping work — it's about choosing purpose If you've ever dreamed of retiring early, ditching the clock, or simply creating more freedom in your life, this conversation will give you both the mindset and the practical steps to make it happen. Keep up with all things Everyone's Talkin' Money by following us on Instagram @everyonestalkinmoney. Thank you to our sponsors!  Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save.  Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you already know the date of your retirement—or are you simply dreaming of leaving the workforce sooner than 65?In this replay of one of our most popular Women's Money Wisdom episodes, Melissa Joy, CFP®, explores what it takes to prepare for early retirement. She explains why it's not just about having a date on the calendar, but also about creating flexibility in your plan in case life throws you a curveball.You'll learn:Who should consider planning for early retirement—even if you think you'll work longerCommon assumptions vs. the reality of when most people actually retireKey “rules of thumb” financial planners look for when evaluating early retirement readinessWhy multiple savings buckets (401(k), Roth, brokerage, cash, pensions) matter so muchStrategies for tax planning, health care coverage, and income replacement before Social Security and Medicare kick inThe importance of mindset, lifestyle choices, and building a fulfilling life outside of workRetirement isn't just about money—it's about freedom, purpose, and designing a meaningful life for decades to come.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Brad Barrett welcomes Jillian Johnsrud, author of Retire Often, as they delve into the transformative concept of mini retirements. Jillian shares her insights on how taking intentional breaks from work can enrich life experiences, enhance personal growth, and help individuals navigate transitions on their journey towards financial independence. Key Topics Discussed: Introduction to Mini Retirements Overview of the concept and its significance within the financial independence community. What is a Mini Retirement? 00:02:43 Jillian defines mini retirements as intentional breaks of one month or longer focused on meaningful activities. The Importance of Seasons of Life 00:06:01 Discussion on recognizing and embracing life's unpredictable seasons and their relation to experiences. Practicing Early Retirement 00:17:34 The necessity of practicing life beyond work before transitioning into full retirement to build confidence. Overcoming the Fear of Retirement 00:25:36 Exploring common fears related to stepping away from work and how to leverage the fear of regret as motivation. Finding Balance in Life Experiences 00:35:53 Tips on focusing on one to two meaningful goals during a mini retirement to create a fulfilling experience. Key Quotes: "Mini retirements are intentional breaks to enrich life experiences." 00:03:39 "Embrace life's unpredictability; seize the moment for experiences now." 00:05:10 "Practice mini retirements to master the art of living beyond work." 00:45:44 Actionable Takeaways: Attempt a mini retirement for a month to discover personal interests and break from routine. 00:03:39 Focus on one or two meaningful goals during your mini retirement for a fulfilling experience. 00:35:53 Discussion Questions: What experiences resonate with you when thinking about a mini retirement? 00:36:46 How does understanding life's seasons impact your financial journey? 00:06:01 Resources Mentioned: Retire Often Book - Jillian Johnsrud's guide on incorporating mini retirements into life. 00:48:42 Retire Often Group Coaching - A supportive resources for individuals seeking guidance on financial independence and lifestyle design. 00:48:42 Related Episodes: Episode 451: Exploring Mini Retirements with Jillian Johnsrud Episode 472: Cure for the Boring Middle

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

On Tuesday's show: The Texas Education Agency released its accountability ratings for the 2024–25 school year on Friday, covering public school districts across the state. Five districts are at risk of a state takeover, while HISD, which is already run by the state, is seeing improvements in test scores. Bob Sanborn from Children at Risk weighs in.Also this hour: We learn what a recent ruling means for Houstonians with unpaid medical bills.Then, we find out why some longtime city employees who took Mayor John Whitmire's early retirement offer haven't been paid yet.Plus, we revisit a conversation from last year where longtime residents offered their suggestions for some Houston do's and don'ts for life here.And we discuss the business side of filmmaking in Houston with organizers of this weekend's Houston Media Conference.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

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

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

Thinking about retiring early and worried it might hurt your Social Security benefits? Good news: it probably won't.A common myth is that you have to work into your 60s to get the most out of Social Security. In reality, benefits are based on your 35 highest-earning years—not the age you stop working.This episode breaks down how benefits are calculated, what “bend points” are, and why even part-time income in semi-retirement can make a difference.There's also an important distinction between when you stop working and when you start claiming. Monthly benefits can range from around $1,400 at age 62 to $2,400 at age 70, depending on the timing.Curious what your own numbers look like? Head to ssa.gov to create a free account and check your personalized estimate. It's a simple step that can help you make smarter retirement decisions._ Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

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

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

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

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

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

After 34 years of working for the government I took an early retirement offer, am I good to never work again? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

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

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