Podcasts about life planning

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

Roger Whitney continues the four-part series on navigating health care before Medicare, focusing this week on controlling costs—both through everyday decisions and by understanding how the Affordable Care Act (ACA) subsidy system works now that the expanded credits have expired. He explains the return of the 400% federal poverty level “cliff,” walks through how modified adjusted gross income (MAGI) impacts premiums, shares listener experiences with inflation and subsidy loss, and explores the ethical tension around optimizing for government benefits.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces week three of the four-part series on health care before Medicare, focusing on controlling health care costs and understanding ACA subsidies. He previews next week's structured decision framework and conversation with Taylor Schulte of Define Financial.PRACTICAL PLANNING SEGMENT(02:35) Start with the fundamentals: staying or getting healthy through strength, cardio, mobility, screenings, and proactive chronic condition management to potentially reduce long-term costs.(04:58) Compare all available coverage options and use practical strategies like staying in-network, timing procedures, and shopping prescriptions to manage costs.UNDERSTANDING THE ACA SUBSIDY SCHEME (POST-2025 CHANGES)(08:48) Roger breaks down the Affordable Care Act's premium subsidy scheme, designed to make health care more affordable and protect coverage for preexisting conditions. He explains how subsidies are based on income relative to the federal poverty level (FPL) and how the rules have changed over time, including expansions under the American Rescue Plan and temporary extensions during COVID.(11:55) Roger explains how the premium tax credit works, including that eligibility is based on having income between 100% and 400% of the federal poverty level, and that exceeding the threshold by even $1 eliminates any subsidies(14:00) Roger gives an example of a married couple comparing higher versus lower income, illustrating how managing income can significantly affect subsidies in the years before Medicare.(15:47) What counts toward Modified Adjusted Gross Income (MAGI) and what does not count.(18:00) Reconciliation risk: estimating income during open enrollment and potentially repaying subsidies if actual income exceeds projections.(22:30) Strategic planning opportunities: building tax diversification before retirement (taxable, Roth, HSA) to create flexibility in managing MAGI and avoiding unforced errors like unexpected capital gain distributions, RSU vesting, or inherited IRA withdrawals.(26:40) Common pitfalls that can unexpectedly reduce your health care subsidies, and why keeping a buffer below the income cliff matters.LISTENER QUESTIONS & OBSERVATIONS(30:25) Joe reflects on retiring in his early 50s and how health care costs quickly became a major factor in his retirement planning.(35:35) Clarification on ACA navigators and where to find assistance through HealthCare.gov and research from Kaiser Family Foundation.(37:00) David shares his experience navigating insurance before Medicare, highlighting how exploring different options helped manage costs.(38:36) Gene asks about handling a gap in coverage before Medicare, and Roger shares strategies to manage costs and explore available options.(45:20) Philosophical discussion on whether it is appropriate to intentionally manage income to qualify for subsidies, and how each person must reconcile financial optimization with personal values.SMART SPRINT(51:30) Choose one area of spending this week—health care or otherwise—and apply intentional cost awareness to build the habit of conscious cost control.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

This episode I am reading from Lynne McGinnis's book 'Overcoming Adversity by Embracing the Higher Truths: One Woman's Journey to Spiritual Awakening'.Lynne McGinnis grew up feeling defective—bombarded by parental atheism, messages that there was "something wrong" with her, relentless bullying, and a deep-seated panic over death. She sought refuge in compulsive achievements, excelling as a top-ranked law student and later as an attorney. Yet, her prestigious career only masked her chronic anxiety, struggles with body image, and ingrained belief that she was worthless. In the early 1990's, at one particularly low point, spiritual nudges led Lynne to participate in a 12-Step recovery program and study the liberating doctrines of the New Thought movement.This path led her to confront the ultimate fear—death—by discovering the transformative truths of Near Death Experiences and reincarnation, compelling her to seek out the world's foremost authority, Dr. Michael Newton, Ph.D., for a Life Between Lives spiritual regression session.But Lynne learned the hard way that true spiritual awakening requires changing negative thought patterns and embracing not only unconditional love of others but also, unconditional love of oneself. Thus, she continued her relentless attempt to gain self-esteem by overachieving and seeking the approval of others. This ultimately drove her to a mental and emotional collapse - a true dark night of the soul. Only then was she ready to let go of the false messages she had been giving herself for so many years and embrace the Higher Truths.Follow Lynne into the spiritual realm during her life-changing Life Between Lives (LBL) sessions with Dr. Michael Newton (author of Journey of Souls and Destiny of Souls) and one of his successors, Scott. Here, her Spirit Guide and Council unlock profound memories and universal insights:   Her Pre-Birth Planning: Confirmation of her soul purpose as a Teacher of Souls and her choice of a challenging family life to master the lesson of unconditional self-love.   Soul Connections: The identity of her own Soul Group.   The Universal View: A deep discourse on the "Watchers of the Planets," revealing why they intervened during the Cuban Missile Crisis and their current dilemma regarding the Earth's environmental crisis.   The Path Forward: The ultimate realization that her fear, rage, and competitive drive were merely distractions from her true lesson: unconditional self-love—a love already bestowed by her Creator.Overcoming Adversity by Embracing the Higher Truths is more than a memoir; it is a roadmap to self-acceptance and a powerful confirmation of the soul's enduring journey. Lynne shares how embracing the timeless truth—"We are Eternal Souls human experiences who our Creator loves unconditionally"—finally dissolved decades of fear, rage, and self-sabotage, leading her to hope, purpose, and Divine alignment.Read this book if you are ready to:   Heal from decades of negative self-talk and feeling "not good enough."   Understand the soul-level purpose behind your deepest struggles.   Find comfort in the existence of an unconditionally loving Higher Power.   Embrace your true, Eternal Self and step into your highest purpose.BioLynne. I was an attorney who was employed by a large organization for over 21 years. Due to self-imposed pressure and the pressure of meeting seemingly never-ending deadlines, over the years, I felt increasingly anxious and depressed.One day, I had a stress-related breakdown. To recover from the breakdown, I followed a three-step process where I focused on all aspects of myself: my body, my mind, and my soul. This process ultimately led to what I can only describe as a spiritual awakening. My life is now filled with joy and wonder.I now feel called to help those of you who are facing work stress challenges similar to my own. I'm not doing this as a paid consultant or to make money, but rather to share my knowledge.https://freeyourselffromburnout.com/https://www.amazon.com/dp/B0FYRN7CVS https://www.pastliveshypnosis.co.uk/https://www.patreon.com/ourparanormalafterlifeMy book 'Verified Near Death Experiences' https://www.amazon.com/dp/B0DXKRGDFP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the clarity, confidence, and comfort to lean in and rock it.(00:30) Roger introduces week two of the four-part series on health care before Medicare and explains why assumptions about health care costs can shut down curiosity, create false tradeoffs, and delay retirement decisions.PRACTICAL PLANNING SEGMENT(05:05) After last week's sticker shock, Roger shifts the focus to observing health care options before tackling cost mitigation next week.(05:28) Option #1 — COBRA: how continuation coverage works, who qualifies, how long it lasts, and why it can serve as a temporary bridge despite higher costs.(12:35) Option #2 — Affordable Care Act (ACA): marketplace coverage, guaranteed issue for preexisting conditions, plan tiers, and why the system is complex but flexible.(19:46) Option #3 — Part-time employer coverage: using part-time work to access group insurance, earn income, and maintain purpose and social connection.(25:20) Other alternatives, including private non-marketplace plans and health share plans, and why they require caution.LISTENER QUESTIONS(28:19) Joni asks about creating a trust will instead of a straight will, naming her son as beneficiary, and how traditional and Roth IRAs would be distributed under SECURE Act rules.(34:42) Christine asks whether it's possible to anticipate capital gains distributions in open-end mutual funds before year-end.(38:45) Andy shares an observation about Monte Carlo simulations.SMART SPRINT(42:20) Roger encourages listeners to identify and challenge their assumptions about health care and retirement timing.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

174  Facing the Unspoken: Embracing End of Life Conversations  In this episode of 'Hospice Explained,' host Marie Betcher RN , a former hospice nurse with a long nursing experience, emphasizes the significance of addressing end-of-life issues early. She discusses the common problem of late referrals to palliative and hospice care and highlights the need for healthcare providers to facilitate honest, fact-based conversations with patients. This approach allows patients to make informed choices, spend quality time with loved ones, and manage their affairs properly. Marie encourages providers to make these discussions a cooperative dialogue, providing resources and advice to help patients prepare for the end of life. She also invites listeners to share their stories and questions. 00:00 Introduction and Disclaimer 00:28 Meet Your Host: Marie Betcher RN 00:41 Addressing Late Referrals in Hospice Care 01:08 The Importance of dificult Conversations 01:47 Training Gaps in Medical Education 02:09 Empowering Patients with Honest Conversations 02:24 Practical Steps for End-of-Life Planning 03:42 The Role of Healthcare Providers 04:21 Creating a Dialogue, Not a Debate 05:04 Encouraging Hospice Consideration 05:46 Conclusion and Contact Information   If you want to help, you can donate to help support Hospice Explained at the Buy me a Coffee link   https://www.buymeacoffee.com/Hospice  Hospice Explained Affiliates & Contact Information Buying from these Affilite links will help support this Podcast.  Maire introduces a partnership with Suzanne Mayer RN inventor of the  cloud9caresystem.com,  When patients remain in the same position for extended periods, they are at high risk of developing pressure injuries, commonly known as bedsores. One of the biggest challenges caregivers face is the tendency for pillows and repositioning inserts to easily dislodge during care.(Suzanne is a former guest on Episode #119) When you order with Cloud 9 care system, please tell them you heard about them from Hospice Explained.(Thank You) Marie's Contact Marie@HospiceExplained.com www.HospiceExplained.com   Finding a Hospice Agency 1. You can use Medicare.gov to help find a hospice agency, 2. choose Find provider 3. Choose Hospice 4. then add your zip code This should be a list of Hospice Agencies local to you or your loved one.

Roger Whitney kicks off a month-long series on navigating health care before Medicare, introducing Cerberus—the three-headed dog of Greek mythology—as a framework for understanding the biggest challenges retirees face when leaving employer-sponsored coverage. He breaks down the three heads of Cerberus, answers listener questions about retirement planning, and shares recent book recommendations from himself and the team.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the Cerberus framework and outlines the four-week series on health care before Medicare.HEALTH CARE BEFORE MEDICARE: THE THREE HEADS OF CERBERUS(02:20) Roger explains why retiring before Medicare requires a strategy and introduces the three “heads” of the health care Cerberus.(03:11) “Head” #1: The true cost of health care without an employer subsidy and why it creates sticker shock in retirement, especially when paid from pre-tax accounts.(10:50) “Head” #2: Coverage challenges, including narrower networks, fewer plan options, and the potential loss of trusted doctors and specialists.(15:13) “Head” #3: Increased complexity in choosing plans, managing care, and navigating ACA subsidies based on modified adjusted gross income.LISTENER QUESTIONS & OBSERVATIONS(19:20) Roger responds to listener questions about saving discipline, the 4% rule, geographic cost differences, values-based planning, and how taxes are modeled in retirement case studies.SMART SPRINT(33:00) Roger encourages listeners to review the health care assumptions in their retirement plan, especially for those retiring before Medicare age.WHAT'S ON THE BOOKSHELF(34:14) Roger and the team share recent book recommendations, including history, personal finance, purpose, habits, and wealth.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.gov

As the Retirement Plan Live series wraps up, Roger Whitney shares wisdom from retirees further along the path to help Henry and Lucy think beyond the numbers. Listeners in their 50s, 60s, and 70s reflect on purpose, work, health, money, and joy—offering perspective on what really matters when retiring early. Roger closes with his own observations from decades of coaching, a Smart Sprint focused on learning from others, and listener-submitted words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(01:33) Two announcements: next month starts a healthcare-before-Medicare series and the listener survey in The Noodle is coming soon.WISDOM FROM RETIREES FURTHER ALONG(03:41) Roger reads listener reflections from retirees further along, sharing lessons on purpose, work, health, flexibility, and building a meaningful retirement.ROGER'S OBSERVATIONS (12:54) Roger shares his observations from decades of coaching on what leads to a fulfilling retirement, including permission, projects, community, service, and avoiding distraction or scarcity thinking.SMART SPRINT(22:12) Identify one challenge you're facing and talk with someone who has already walked that path—before turning to books or the internet.LISTENER WORDS FOR THE YEAR(25:10) Roger shares listener words for the year and the personal meaning behind them.RESOURCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

As the Retirement Plan Live case study continues, Roger Whitney helps Henry and Lucy move from dreaming to feasibility, organizing the real financial resources available to support an early retirement in their 40s. This episode centers on trade-offs, confidence, and the reality of giving up earned income decades early. Roger and the couple walk through income assumptions, assets, and risk tolerance before closing with listener advice, a Smart Sprint, and words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence and comfort to lean in and rock retirement.(00:27) Roger introduces Week 3 of the Retirement Plan Live case study with Henry and Lucy.(02:15) What are Henry and Lucy giving up to retire early?RETIREMENT PLAN LIVE(05:00) Roger asks Henry and Lucy if they pick a word of the year.(06:05) Henry and Lucy reflect on why retiring even one year earlier feels uncomfortable without proof.(10:50) Review of Social Security assumptions and why it's excluded from their base plan.(14:13) Confirmation that the plan assumes no earned income after retirement.(20:40) Overview of after-tax assets, cash buckets, and sinking funds.(26:20) Review of retirement accounts, savings rates, and long-term strategy.(31:30) Home equity, college savings, and inheritance assumptions.(33:40) Clarifying the goal for the after-tax bridge bucket.ADVICE FROM A RETIREE(38:39) Listener Bonnie shares an alternative approach using sabbaticals and flexible work.(41:10) Roger reflects on optionality, skill relevance, and maintaining professional networks.SMART SPRINT(42:30) Roger encourages listeners to organize or update their net worth statement.WORD FOR THE YEAR(43:40) Listener Alex shares his word for the year: Healing.(45:10) Listener Valerie shares her word for the year: Minimize.REFERENCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Amidst speculation that Artificial Intelligence-powered software could take business from human advisors, some of the most meaningful work advisors do involves something software can't replicate: deep human-to-human connection. This episode explores how life planning, active listening, and values-based discovery can help clients articulate what truly matters and achieve a sense of freedom that goes beyond financial outcomes. George Kinder is the founder of the Kinder Institute of Life Planning, which trains financial advisors globally in fiduciary, client-centered planning. Listen in as George explains why life planning is fundamentally social, and why even the most advanced AI tools can't replace the empathy, presence, and silence required to understand a client's inner motivations. You'll learn how his EVOKE framework guides advisors through exploratory conversations, how the famous "three questions" help clients clarify what an ideal life looks like under different time horizons, and how confronting an illness himself led him to revisit his personal answers—and reshape his legacy with intention. For show notes and more visit: https://www.kitces.com/473

If you'd rather eat broken glass than set new year's goals, I've got a podcast episode for you!So many of us have PTSD around goals.We feel shame about all the times we've gone for something in the past … only to fall on our faces.Every time we see a successful person, we assume they did it “right.” (Set goal. Followed up with disciplined action. Got result.)But what if the opposite was actually true?What if creating your dreams is always supposed to look and feel like a shit show?It's like this drawing. No one escapes the scribble!(Including all those successful people who make it look so easy. Remember, you're only seeing their after.)The only reason goal-setting hurts is that we massively underestimate the time and energy it will take to create our results.And on this week's episode of the Climb Your Mountain podcast, I'm going to walk you through:

As the Retirement Plan Live case study continues, Roger Whitney helps Henry and Lucy articulate what they want their FIRE retirement to actually look like—starting with values, dreaming without constraint, and then translating that vision into concrete goals. Along the way, Roger shares wisdom from older retirees about purpose, productivity, and flexibility, invites listeners to reflect on their own “magic,” and closes with a Smart Sprint and listener-submitted words for the year.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence and clarity to lean in and rock it.(00:23) Roger previews today's focus: Henry and Lucy's retirement goals, advice from seasoned retirees, a Smart Sprint, and listener words for the year.(01:00) Roger explains why retirement planning should begin with dreaming big—starting with “everything” before testing feasibility.RETIREMENT PLAN LIVE(03:25) Henry and Lucy walk through their core values and how those values shape their vision for retirement.(05:55) Roger reviews and discusses Lucy's top ten values.(09:29) Henry talks about his top values.(11:40) Roger reflects on whether retiring early means “burying” one's gifts, and considers how purpose and contribution can take many forms beyond traditional work.(13:44) Roger talks through Henry and Lucy's goals for retirement and their budget for a great base life.(19:47) Lucy breaks down her thought process on her great base life budget.(23:00) Henry weighs in with his thoughts on their great base life.(24:05) They review discretionary goals such as travel, a camper van, hobbies, and future family commitments.(27:55) Lucy and Henry talk about aspirational wishes.(35:00) Lucy talks about how they react during uncertain times.WISDOM FROM RETIREES FURTHER ALONG(41:41) Listener Mike shares why he chose “FILE” (Financially Independent, Living Early) instead of full FIRE, emphasizing purpose and reduced stress.(45:10) Listener Renee offers perspective on flexibility, one spouse stepping away from work, and how lower stress improved family life.SMART SPRINT(48:08) Roger encourages listeners to separately write down their own “magic” retirement goals—without self-editing—then share and discuss them with their partner.WORD FOR THE YEAR(50:07) Roger shares listener words for the year.CLOSING THOUGHTS(53:17) Roger previews next week's episode, where Henry and Lucy's assets and resources will be evaluated to see what is feasible.REFERENCESSign up for our next webinar!Submit a Question for RogerSign up for The NoodleThe Retirement Answer Man

End of Life Planning in 2026See omnystudio.com/listener for privacy information.

In this milestone episode of ThimbleberryU, we celebrate 150 episodes and the 10-year anniversary of Thimbleberry Financial. Amy Walls reflects on a decade of advising clients and the timeless lessons she's learned—lessons that go beyond finance and into life, meaning, and the value of simplicity.We open by anchoring the episode in Thimbleberry's core values, especially simplicity. Amy stresses how the best financial plans aren't flashy—they're clear, flexible, and focused on what truly matters. We dive into the first cluster of lessons about money and planning, starting with the idea that clarity beats complexity every time. Fancy strategies may look appealing, but real success comes from plans that are understandable and actionable. A flexible plan, one that can adapt to life's inevitable changes, always outperforms a rigid one.We continue by looking at how emotions play into financial decision-making. Amy explains that emotions aren't distractions—they're data. Recognizing fear, guilt, or excitement can lead to more empathetic and accurate planning. We don't need to know everything to make progress; staying curious and asking the right questions is often enough. That curiosity can help us avoid the traps of both overconfidence and paralysis.As we shift toward life-focused lessons, Amy reminds us that success looks different for everyone—and that's the point. Whether it's retiring early or spending more time with family, the plan has to fit the person. Life moves faster than spreadsheets, and that's why regular check-ins and flexibility are essential.Amy emphasizes that the best financial plans make room for joy. Planning isn't about restriction—it's about creating space for what we love, whether that's rest, giving, or travel. Simplicity, while hard, is always worth it. And finally, a good plan isn't static—it grows with us. It's not about being perfect; it's about evolving alongside life's changes and building confidence as we go.As we wrap up, we focus on three key takeaways for the new year: clarity, consistency, and curiosity. It's not about predicting the future—it's about being prepared for it. And that preparation, rooted in simple, flexible planning, is what makes long-term success possible.00:00 – Intro & Episode 150 Milestone00:23 – 10 Years of Thimbleberry Financial01:08 – Simplicity as a Core Value02:15 – Lesson 1: Clarity Beats Complexity03:23 – Lesson 2: Flexibility Over Perfection03:49 – Lesson 3: Markets Don't Care—Your Plan Should04:33 – Lesson 4: Emotions Are Data06:39 – Lesson 5: Stay Curious07:22 – Lesson 6: Success Looks Different for Everyone08:15 – Lesson 7: Life Moves Faster Than Spreadsheets09:01 – Lesson 8: Make Room for Joy09:31 – Lesson 9: Simple Isn't Easy09:57 – Lesson 10: A Plan That Grows With You10:41 – Final Takeaways for the New Year11:53 – Contact Info & Closing To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

In this episode, Eric Goll shares the powerful 8-step roadmap that transformed his family's approach to future planning for adults with disabilities. If you've felt overwhelmed or unsure where to begin, this episode offers clear guidance to create a customized life plan centered on your loved one's strengths, dreams, and independence.   Listeners will discover: - Why defining a "good life" must come before legal or housing discussions - The importance of nurturing genuine friendships and meaningful community roles - How to increase capability and independence with small, steady steps - Ways to design a home and support system that truly fits your loved one   Planning for the future can be daunting, but with the right tools, any family can build an Awesome Ordinary Life full of dignity, contribution, and belonging.   Ready to start planning? Download your FREE Life Planning 101 Guide at https://www.empoweringability.org/life-planning-101-guide/

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

In today's episode with Karen Roldan, a licensed funeral director, embalmer, and the creator of Behind the Funeral, to pull back the curtain on one of the most misunderstood industries in our lives — death care. With nearly twenty years of experience and a deep respect for the families she serves, Karen brings honesty, compassion, and clarity to conversations many of us avoid until we're forced to have them. As a graduate of Worsham College of Mortuary Science and a licensed professional in funeral services, cremation, pre-need planning, and cemetery property, Karen offers a rare insider perspective on what really happens behind the scenes after a death. Through Behind the Funeral, Karen is changing how we talk about grief, funerals, and end-of-life planning — dismantling myths, answering hard questions, and humanizing a profession often surrounded by fear and silence. In our conversation, we explore what families should know before making arrangements, why transparency matters in death care, and how understanding the process can bring peace during some of life's most difficult moments. This episode is a must-listen for anyone navigating loss, planning ahead, or simply wanting a more honest and informed relationship with death — because the conversations we avoid are often the ones that heal us most.   Episode Highlights The Death-Positive Movement Transparency in the Funeral Industry End-of-Life Planning for Millennials & Gen X Normalizing Conversations About Death Grief Education vs Grief Avoidance Ethical Funeral Practices Pre-Planning Funerals & Cremation Humanizing the Death-Care Profession Funeral Industry Myths Debunked Emotional Support During Funeral Planning Death Literacy & Public Education Digital Memorials & Modern Grief Rituals Consumer Advocacy in Funeral Services Trauma-Informed Death Care Cultural Shifts in How We Honor the Dead funeral director insights death care industry explained behind the funeral process funeral planning guide cremation vs burial explained end-of-life planning education funeral myths and truths grief and funeral services death care transparency licensed funeral director advice pre-need funeral planning what happens after death funeral costs explained compassionate funeral care talking about death and grief modern funeral practices behind the scenes funeral home death positive movement understanding cremation process how funerals really work   Know Karen Roldan Visit behindthefuneral.com to learn more. karen@behindthefuneral.com https://www.linkedin.com/in/karenroldanaasfsp/   Did you enjoy today's episode?   Welcome to New Ways Barre. We are so glad you are here. Get ready to transform your body, mind and life. At New Ways Barre, we are dedicated to fostering a supportive community where individuals can achieve holistic well-being.   Please subscribe and leave a review. If you have questions, comments, or possible show topics, email  susan@tendrilsofgrief.com   Don't forget to visit Tendrils Of Grief  website and join for upcoming Webinars, Podcasts Updates and Group Coaching.   Get involve and share your thoughts and experiences in our online community   Tendrils of Grief-Survivor of Loss   To subscribe and review use one links of the links below  Amazon Apple Spotify Audacy Deezer Podcast Addict Pandora Rephonic Tune In  Connect with me Instagram: @Sue_ways Facebook:@ susan.ways Email @susan@tendrilsofgrief.com  Let me hear your thoughts!  

We often avoid end-of-life talks because we don't want to "upset" anyone. It's normal to feel stuck, but avoidance often leaves a mess for the people we love most. In our latest episode, we're breaking down how to "come in sideways," choose the right moments, and keep these conversations soft and present.

In this New Year's Eve episode, Mari shares her detailed blueprint for planning and achieving your 2026 goals. From the importance of honest reflection and creating a 'heavy list' to dreaming big and setting precise, actionable goals, Mari walks listeners through a step-by-step guide to kicking off the new year with purpose. She emphasizes the need for prayer, teamwork in marriage, and the significance of building daily habits that align with core life pillars. Perfect for anyone looking to live a Christ-centered life in the modern world and seeking practical tips to start the year right.Goal Setting SuppliesJoin our BRAND NEW Kingdom Club on Patreon! Members get exclusive perks such as:

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

Send us a textFree Gift - Click Here Free Masterclass Are you ready to let go of an old version of yourself - not because you failed, but because you've outgrown it?If the past year stretched you, challenged you, quietly changed you, or even if it was successful but left you feeling like something still needs to shift, this episode is for you.In this guided year-end reset, you'll be walked step by step through a powerful reflection and planning process designed to help you:release emotional baggage from the past yearunderstand what your challenges taught yourecognize what you admire about yourselfclarify what no longer works for youfocus on what truly matters nextand step into 2026 with clarity, calm, and self-trustThis episode introduces a simple but transformative Goal-Setting Method to help you ground yourself in truth, define your priorities, and create realistic, repeatable actions that fit the season of life you're in.You'll also learn why:focus is one of the most important qualities of successful peoplesaying no is a strategic skill, not a failureconsistency beats intensity every timeand why feeling stuck is often a nervous system response - not a lack of motivationGrab a pen and paper, slow down, and give yourself the space to close one chapter and begin the next - intentionally.

Are you tired of setting the same goals year after year with nothing to show for it? If December 2025 looks exactly like December 2024, it's time for a new approach.In this episode, Ashleigh Mayfield breaks down the 7 essential life categories you need to address if you want 2026 to be your breakthrough year. Drawing from nearly a decade of coaching women and her own journey to paying off $63,801.99 in just six months, Ashleigh delivers a no-fluff framework for creating lasting change.What you'll learn:Why most people fail at their goals (and it's not what you think)The 7 pillars every vision board needs to includeHow to identify what fills your cup vs. what drains youThe mindset shift that separates those who quit from those who succeedWhy "every time I choose to stop, I disqualify myself" changed everythingPractical strategies for accountability, financial freedom, and building real communityWhether you're building a business, strengthening your marriage, getting your health back on track, or deepening your faith—this episode gives you the roadmap to stop planning to fail and start executing with intention.Key Topics: Goal setting, vision boards, New Year planning, personal development, financial freedom, debt payoff, mental discipline, Christian living, work-life balance, accountability, building community

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Is your calendar working for you—or against you? In this episode of Life at Ten Tenths, Garrett and Matt dig into one of the biggest reasons people miss their goals: a broken calendar. If you've ever said "I know what I need to do, I just didn't get to it," this one's for you.We're talking about why so many of us avoid putting things on our calendar (hint: it's about avoiding accountability), how leaving your schedule open invites chaos, and the mindset shift that separates top performers from everyone else.We get into: - Why "it wasn't on my calendar" is actually good news - The real reason you're not showing up for what you scheduled - How Parkinson's Law is stealing your time - What "LA-ction" means and how to eliminate it - How to build a calendar that becomes your business planStop spinning your wheels, this episode will show you how to take ownership of your time and finally get traction.

In this episode, Roger Whitney walks listeners through the complexities of inherited IRAs, highlighting the impact of the SECURE Act of 2019 and clarifying the distinctions between eligible and non-eligible designated beneficiaries. He explains how these classifications affect withdrawals and tax planning, making the rules easy to understand. Roger also answers listener questions on topics like retirement team selection and funding health insurance with HSA accounts. Beyond the numbers, he shares practical strategies for creating more meaningful holiday conversations, drawing on real-life examples to show how curiosity and intentionality can help you connect more deeply with the people you care about.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you rock retirement.(00:30) In today's episode, Roger Whitney covers the rules around inherited IRAs, explores ways to foster deeper and more meaningful conversations during the holidays and beyond, and answers listener questions.RETIREMENT TOOLKIT(01:00) Today ​in ​the ​Retirement ​Toolkit ​we're ​going ​to ​talk ​about ​the ​rules ​around ​inherited ​IRAs.(02:40) Differences between eligible and non-eligible designated beneficiaries for inherited IRAs are explained.(14:32) Roger talks about ROTH IRAs and how they work.RETIREMENT LIFE LAB(16:04) Roger explains how approaching conversations with curiosity and intentionality, especially with older family members or those with different interests, can create more meaningful and enriching interactions.LISTENER QUESTIONS(25:37) Ira asks what to ask a financial advisor's team to understand their retirement planning services and team longevity.(37:02) Mary Jane asks if she can use Health Savings Account funds tax-free to pay for private health insurance premiums before Medicare eligibility.SMART SPRINT(38:42) In the next week, approach holiday or New Year's gatherings with curiosity by asking questions and engaging with people you don't see often to create more meaningful interactions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Episode 1191: Life doesn't always follow the plan — and that's exactly why contingencies matter. In this episdoe of The BIGG Success Show, George and Mary-Lynn dive into Step 6 of the Life Map Course: Your Contingencies — How to Stay on Track When Life Happens.They explain why even the best goals need flexibility, how contingencies help you adapt without losing momentum, and why planning for disruption is a sign of wisdom, not doubt. You'll learn how to assess risks, create simple Plan Bs, so progress continues even during challenging circumstances.Inspired by a memorable fable and grounded in entrepreneurial thinking, this episode shows how to stay resilient, adaptable, and focused when life throws surprises your way.Be sure to get the free one-sheet that goes with this podcast episode to help you identify what might get in your way and create simple, realistic backup plans to stay on track when life gets unpredictable. Click here to get it.Thanks for listening!Here's to your BIGG Success,George & Mary-LynnBIGG Takeaways: In life, unexpected surprises are inevitable, so it's essential to have contingency plans in place. Contingency planning is not a sign of doubt; it's a wise way to prepare for real-life unpredictability. When faced with obstacles, remember to shake it off and take one step at a time toward your goals. Planning for failure means preparing for success; create backup plans that support your main objectives. A solid plan is good, but a flexible plan that accommodates life's surprises is even better. Identify three potential challenges to your goals and develop simple Plan Bs to keep moving forward. BIGG Chapters:[00:16] The Fable of the Farmer and His Donkey[02:08] The Resilience of the Donkey[03:10] Understanding Contingencies in Life Planning[04:37] Responding to Life's Surprises[08:16] Challenges in Contingency Planning[10:33] Wrapping Up and Moving Forward Links referenced in this episode:Episode 1186 – Your BaselineEpisode 1187 – Your VisionEpisode 1188 – Your ValuesEpisode 1190 - Your GoalsMission statement podcast freebieFollow our podcastJoin our newsletter

Learn how and why to write your own obituary as a legacy project. My guest Gail Shapiro is a seasoned writer and editor and also a professional organizer who has guided many people through the details of end-of-life planning. She also helps people write memorable obituaries for themselves and othes and today discusses why this… Continue reading Ep. 532 Writing Your Obituary as Part of End-of-Life Planning with Gail Shapiro

In this episode, Roger Whitney, a retirement planner with 30 years of experience, breaks down annual gifting limits and year-end planning. He shares practical strategies for giving that make a real impact and create meaningful experiences for loved ones. Roger also answers listener questions, providing clear guidance to help you navigate your retirement with confidence.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This podcast is dedicated to helping you rock retirement.(00:57) Today Roger talks about annual gifting limits.RETIREMENT TOOLKIT(01:45) In today's Retirement Toolkit, Roger explores year-end planning by breaking down the 2025 annual gift exclusion.(04:05) Roger discusses giving money during your lifetime and shares the reasons why it can be beneficial.(12:05) Roger shares his observations on giving money, noting that gifts can feel most meaningful when attached to a specific purpose rather than given with expectations.(14:21) Strategies for impactful gifting are explored, including transferring appreciated assets, paying medical expenses, and covering tuition directly, showing ways to help others while maximizing meaning and efficiency.LISTENER QUESTIONS(19:00) Mary shares feedback on qualified charitable distributions (QCDs).(21:27) Lee describes his “shoulder bonus” strategy to spend excess retirement funds while staying within a safe withdrawal rate.(30:10) John asks when to switch from a general financial advisor to a retirement planner(34:19) Rick asks about gifting appreciated stocks to adult children.(35:17) Steve asks about building a resilient retirement plan at age 80.SMART SPRINT(38:13) In the next seven days: Do you want to give? Can you? How much and to whom? Can it have a purpose? Even small gifts can make a big impact.CLOSING THOUGHTS(40:00) Giving money can bring profound joy, often the greatest gift is the one you give yourself by helping others. REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

End of Life Planning this Holiday SeasonSee omnystudio.com/listener for privacy information.

I'm joined once again by Phil Weiss, Founder of Apprise Wealth Management — a CFA, CPA, and RLP® who brings heart, honesty, and deep purpose to every financial conversation.Phil's mission was shaped by his own family's story — stepping in to support his mom through stage 4 breast cancer and helping navigate the financial chaos that followed. That experience inspired his passion to help women feel financially confident and secure, especially during times of transition.In this episode, we talk about:What it really means to reclaim your financial powerHow creating a life plan can bring clarity and peaceThe story of “Linda” — and how her plan transformed her lifeThe question we all need to ask: Do I have enough life?Learn more about Phil:Facebook: AppriseWealthInstagram: @phweiss11Tiktok: apprisewmYouTube: philipweiss9408   

“Personal finance is personal.” — Anthony Weaver In this episode of Better Call Daddy, host Reena Friedman Watts and her dad, Wayne, welcome Anthony Weaver, a financial educator and podcast host, to dive deep into the fascinating world of personal finance and the stories our wallets tell. Anthony shares his journey from teaching mathematics to exploring the nuances of money management, discussing how his relationship with money has evolved over time. He reflects on the importance of understanding the psychology behind spending and saving, emphasizing that personal finance is not just about numbers, but about the choices we make based on our values and experiences. Understanding Money Mindsets Anthony explains how our upbringing shapes our financial habits, from couponing to hoarding, and how the mindset of scarcity can affect our ability to enjoy life. He encourages listeners to rethink their money narratives and to consider what truly brings joy in their lives. He shares valuable insights on: - The thrill of couponing and how it can lead to significant savings - The importance of enjoying experiences while being financially savvy - How to navigate insurance and healthcare costs effectively - Strategies for teaching financial literacy to younger generations Life Lessons & Future Aspirations As a member of the sandwich generation, Anthony discusses the realities of caring for aging parents while planning for his own future. He reveals his curiosity about the funeral industry and the importance of discussing end-of-life plans with loved ones, emphasizing that it's never too early to have these conversations. Wayne adds his wisdom, highlighting the balance between saving for the future and enjoying the present, reminding us that life is precious and should be lived fully. Keywords & Core Themes Personal Finance, Couponing, Financial Education, Money Mindset, Insurance, Healthcare Costs, Financial Literacy, Parenting, Saving, Spending, Life Lessons, Podcasting, End-of-Life Planning, Money Management Episode Highlights (00:00) Welcome to the Better Call Daddy Show (01:20) Meet Anthony Weaver: From Teacher to Financial Educator (05:45) The Evolution of Money Mindsets (12:30) The Thrill of Couponing: Tips & Tricks (20:15) Navigating Insurance and Healthcare Costs (30:00) Teaching Financial Literacy to Kids (40:50) Conversations About End-of-Life Planning (50:00) Wayne's Wisdom on Saving and Enjoying Life (55:30) Closing Thoughts and Reflections Connect with Anthony Weaver Podcast: About That Wallet  Connect with Reena Friedman Watts Better Call Daddy Website | LinkedIn | Instagram | YouTube Thank you for tuning in to Better Call Daddy—where wisdom, creativity, and heart meet!

Life Planning, Retirement, and Why It Is “Never About the Money” In this episode, Dave flips the script and interviews Nick about how life planning has become a core part of the SRB client process. Nick shares how training with George Kinder and the EVOKE model shaped the way SRB helps clients think through retirement, not just from a numbers standpoint, but from the perspective of values, priorities, and real life goals. They walk through how the EVOKE structure fits into SRB's retirement planning work, what actually happens in those conversations, and the kinds of insights clients discover when they finally slow down and think about what they want the next phase of life to look like. Nick also explains why most client “dreams” are less about big, flashy goals and more about time, family, and reducing worry. You will hear: How SRB discovered life planning through George Kinder's work A plain language overview of the EVOKE process and how SRB uses it with new retirement clients Why the first three stages focus on widening the conversation beyond money Real outcomes from clients who learned they were either not ready to retire or more than ready Why many clients already have “enough” and what to do with that knowledge How life planning shifts decisions about Roth conversions, gifting to kids, and travel The link between clear life goals and better follow through on investment and tax strategies How life planning helps advisors avoid assumptions about what clients value Why the plan on paper will always change, and why that is expected Nick's experience being life planned himself, and why he keeps going back to the process How SRB is expanding life planning capacity by training Cole as a Registered Life Planner If you are approaching retirement, feel like you might have “enough” but are not sure what comes next, or want your financial plan to reflect your real life priorities, this conversation will give you a feel for how life planning works at SRB and why it might be the missing piece in your retirement planning. Ready to talk about your own life plan?Start with a relaxed fit meeting to see if SRB is a good match for your needs. Visit: srbadvisors.com Contact: info@srbadvisors.com Subscribe to Kitchen Table Finance for more conversations about retirement, investing, and planning for the future. https://youtu.be/1xbJ_Uhvpfg

Living Stones Church - Ali'i Drive - Our passion at Living Stones Church is to be the kind of church described in the Bible: A Culture of Faith. Together we love to actively pursue Spirit and Truth.

This week's about cutting through the BS, owning your darkness, and using it to heal. If you're ready to stop guessing and actually use astrology to plan your life, join my 6-Hour Personal Forecasting Masterclass where we'll cover unprecedented astrology, how to decode your chart, the core timing techniques, trusting transits, and your 5-year forecast - so you can stay focused, confident, and aligned with your natal promise

In this episode, Roger Whitney continues his four-week series on retirement goal setting, focusing on the importance of building agile retirement goals. He emphasizes creating the right conditions for discovering what you truly want in retirement, rather than fixating on specific desires. Roger shares insights on self-discovery, the anatomy of goals, and the significance of establishing a solid foundation for a fulfilling retirement. Tune in to learn how to navigate your retirement journey with confidence and purpose!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This week Roger talks about building agile retirement goals.PRACTICAL PLANNING SEGMENT(03:10) The intent is to build goals that are more meaningful to you so you can rock retirement.(07:00) How do you set goals that are meaningful to you in an agile way?(07:39) You want to start with self-discovery and establishing or revisiting your values.(09:53) Focus on creating conditions to explore your values and build a life where fulfillment naturally follows. (13:43) You have to experiment to determine what is right for you.(18:30) Roger talks about the anatomy of a goal, specifically low stakes goals that maximize optionality in retirement planning.(21:08) Roger talks about high stakes goals.(25:04) Low-stakes goals help you experiment, make confident decisions, and discover what truly supports a fulfilling retirement. LISTENER QUESTIONS(27:30) Roger answers Melissa's questions about rolling over an IRA without penalty and whether to trust a flat-fee fiduciary firm that offers to manage her accounts. (33:06) Greg asks Roger to revisit healthcare before Medicare. (34:17) Rob asks about deferring Social Security to age 70 and whether he still receives COLA increases in addition to the 8% delayed retirement credit.(36:03) Chris asks about using only a total world stock and bond index for his portfolio.(40:20) Roger advises keeping a local contingency fund so you always have accessible cash and don't feel “cash poor.”SMART SPRINT(43:20) Go back to your retirement goals and the plan you've put together. Look at them through the lens of our recent discussionRESOURCESSign up for our next Webinar!Scarcity Brain: Fix Your Craving Mindset and Rewire Your Habits to Thrive with Enough- Michael EasterSubmit a Question for RogerSign up for The NoodleFOLLOW US ON SOCIALSFollow Us on Facebook!Follow Us on Instagram

Retirement isn't just about the numbers. Tim Ulbrich, PharmD and Tim Baker, CFP® and Registered Life Planner, explore how life planning can help you design a retirement filled with purpose, meaning, and fulfillment, not just financial security. Episode Summary When it comes to preparing for retirement, most conversations focus on the financial side—things like income planning, Social Security timing, withdrawal strategies, and tax-efficient investing. But true retirement readiness goes beyond the numbers. In this episode, Tim Ulbrich, PharmD, is joined by Tim Baker, CFP® and Registered Life Planner, to explore how life planning can help you design a retirement that's rich with meaning, purpose, and fulfillment, not just financial security. As you step away from decades of work—often after raising kids, building a career, and living within a structured routine—you enter a new phase of life where the biggest challenges aren't just financial, they're personal. Who are you now? What does your ideal day look like? How do you make this season of life one that aligns with your values and brings you joy? In this episode, you'll learn: What life planning is and how it complements financial planning How to navigate the personal and emotional transition into retirement Practical ways to align your money with your values and goals How to create a vision for a fulfilling and purpose-driven retirement Whether you're approaching retirement or simply thinking ahead, this conversation will help you see how life planning can make the next chapter not only financially sound but deeply satisfying. Mentioned on the Show Your Financial Pharmacist Your Financial Pharmacist on YouTube YFP 394: Crafting a Rich Life in Retirement: Insights from David Zgarrick, PhD Vanguard Study Advisor's Alpha Changes in US Family Finances from 2019 to 2022: The Federal Reserve Board of Governors

Astronomy Cast Ep. 766: How Spacecraft End By Fraser Cain & Dr. Pamela Gay End-of-Life Planning for Your Spacecraft! Streamed live October 1, 2025. Your spacecraft has reached the end of its mission. You've done everything you can to keep it operational, but now it's time to say goodbye. How do space agencies deal with spacecraft to shut them down gracefully, protect future missions and life on other worlds. So, the time has come to see your mission across the Rainbow Bridge. How exactly do you say goodbye? Let's discuss. 

https://www.youtube.com/watch?v=kXkqLQ1oBk8 End-of-Life Planning for Your Spacecraft! Streamed live October 1, 2025. Your spacecraft has reached the end of its mission. You've done everything you can to keep it operational, but now it's time to say goodbye. How do space agencies deal with spacecraft to shut them down gracefully, protect future missions and life on other worlds. So, the time has come to see your mission across the Rainbow Bridge. How exactly do you say goodbye? Let's discuss.    Support our shows through https://Patreon.com/AstronomyCast   We've added a new way to donate to 365 Days of Astronomy to support editing, hosting, and production costs.  Just visit: https://www.patreon.com/365DaysOfAstronomy and donate as much as you can! Share the podcast with your friends and send the Patreon link to them too!  Every bit helps! Thank you! ------------------------------------ Do go visit http://www.redbubble.com/people/CosmoQuestX/shop for cool Astronomy Cast and CosmoQuest t-shirts, coffee mugs and other awesomeness! http://cosmoquest.org/Donate This show is made possible through your donations.  Thank you! (Haven't donated? It's not too late! Just click!) ------------------------------------ The 365 Days of Astronomy Podcast is produced by the Planetary Science Institute. http://www.psi.edu Visit us on the web at 365DaysOfAstronomy.org or email us at info@365DaysOfAstronomy.org.

SHOW NOTESIn this episode, Roger Whitney sits down with Carl Richards, a financial advisor-turned-artist, to talk about keeping retirement planning simple and meaningful. They dive into the idea of “elegant simplicity,” the importance of knowing your goals, and making decisions that actually work for you. Plus, hear inspiring stories from club members to help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) The ultimate goal in building a retirement plan of record is elegant simplicityCHAT WITH CARL RICHARDS(02:00) Roger introduces Carl Richards.(03:50) Carl started sketching to help explain complex financial concepts.(07:33) Roger asks Carl about his new book coming out in October.(11:00) Roger and Carl talk about the differences between simplistic and elegant simplicity in retirement planning.(17:55) How do you decide when you have enough information to make a decision?(22:19) There are many different types of decisions that need to be made- Decisions where you need a lot of research versus decisions where you already have all of the information.(26:58) Writing makes decisions tangible versus rehashing them in your brain(28:19) Carl talks about mimetic desire and figuring out what it is that you really want.(39:45) Carl says he loves the idea of experiment design.(41:40) Carl talks about living a life of meaning.(46:50) There is a deep source of identity and purpose that comes from work. When you remove that, what do you replace it with?(52:58) Carl talks about competing values.(55:00) Roger talks about the Retirement Life Lab in the Rock Retirement ClubSMART SPRINT(56:43) In the next seven days, review your retirement plan and look for ways to simplify it so it's easier to manage.CONCLUSION(57:37) Roger says that what stuck out to him from the conversation is how difficult it can be to truly know what we want and how easy it is to just grab someone else's goals, when what we really need is to slow down and take the time to define our own so we don't end up living a life that doesn't fit us.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManBehaviorGap.com- Carl RichardsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

SHOW NOTESIn this episode, we tackle the often-overlooked topic of taxes in retirement with expert Erin Coe, an enrolled agent. Discover how to avoid unexpected penalties and interest on your IRA distributions and Roth conversions. We also share an inspiring retirement success story from Lottie, reminding us of the importance of clarity and simplicity in planning. Tune in for practical advice that will help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Today Erin Coe joins Roger to talk through penalties and interest during retirement, what those things are.ROCKIN' RETIREMENT IN THE WILD(01:30) Lottie says she got caught up in ideas about the perfect retirement and it was getting in her way.PRACTICAL PLANNING SEGMENT WITH ERIN COE(03:31) Today we're going to talk about penalties and interest when it comes to taxes.(04:52) Erin explains the difference between a tax penalty and interest.(11:14) Roger asked Erin how to calculate an estimated quarterly tax if not doing safe harbor?(13:55) Erin shares her tips on tax returns.(16:08) Being prepared is always better than being taken by surprise when it comes to taxes.LISTENER QUESTIONS(16:40) Roger makes a correction on a past statement.(17:25) Jeff asks a question about the pie-cake explainer video.(20:30) Dave asks a question about helping his elderly mother with her finances.(26:11) Robert asks about getting two mortgages near retirement.SMART SPRINT(32:15) Over the next seven days, download the 1040 form and review how it applies to your retirement income. Decide whether you'll handle taxes through estimated payments, safe harbor payments, or automatic withholdings from distributions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManIRS.gov FormsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram