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In this episode of Friends Talk Money, we're joined by Phil Moeller, renowned journalist and co-author of Get What's Yours: The Secrets to Maxing Out Your Social Security. Phil dives into all things Social Security—unpacking the latest changes, what they mean for you, and how to make smart decisions that can boost your retirement benefits. Topics we cover: Key Social Security changes for 2025 and beyond How these updates may affect your benefits Strategies to optimize your Social Security claiming decisions Common mistakes to avoid when planning for retirement Whether you're nearing retirement, already collecting benefits, or helping a loved one make financial decisions, this episode is packed with practical advice and essential information you won't want to miss.
Make 2025 your year! Free 2-part Workshop to build 3 new habits January 3 and 10th – 12 Noon Eastern – 1 hour via Zoom Sign Up here _________________________ While we focus on the non-financial aspects of retirement here, your money clearly matters. With a new year around the corner we check back in with economist Larry Kotlikoff, author of Money Magic: An Economist's Secrets to More Money,Less Risk and a Better Life, for his views on what may lie ahead, common mistakes to avoid with Social Security, how you can Maximize (Your) Social Security, why Roth IRA conversions make sense for many people and his retirement planning software MaxiFi. Larry Kotlikoff joins us from Rhode Island. _________________________ Bio Laurence J. Kotlikoff is a William Fairfield Warren Professor at Boston University, a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, President of Economic Security Planning, Inc., a company specializing in financial planning software, a Research Associate of the Gaidar Institute, and a Research Fellow of the Goodman Institute. Kotlikoff is also a New York Times Best Selling author. The Economist Magazine ranked Kotlikoff one of the world's 25 most influential economists. Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977. From 1977 through 1983, Kotlikoff served on the faculties of economics of the University of California, Los Angeles and Yale University. In 1981-82 Professor Kotlikoff was a Senior Economist with the President's Council of Economic Advisers. Professor Kotlikoff's writings and research address personal finance, inequality, taxation, Social Security, climate change, investing, healthcare, deficits, and insurance. Professor Kotlikoff is author or co-author of 20 books, hundreds of professional journal articles, and a multitude of op eds and blogs. His most recent books are Money Magic: An Economist's Secrets to More Money,Less Risk and a Better Life, You're Hired, Get What's Yours – the Revised Secrets to Maxing Out Your Social Security (a NY Times Best Seller co-authored with Philip Moeller and Paul Solman), The Clash of Generations (co-authored with Scott Burns), The Economic Consequences of the Vickers Commission, Jimmy Stewart Is Dead, Spend ‘Til the End, (co-authored with Scott Burns), Generational Policy (MIT Press), The Healthcare Fix, and The Coming Generational Storm (co-authored with Scott Burns). Kotlikoff's columns have appeared in The NY Times, The Wall Street Journal, The Washington Post, The Hill, The Financial Times, The Times of London, Forbes, CBNC, Bloomberg, PBS NewsHour, The Dallas News, Neue Zürcher Zeitung, the Seattle Times, Vox, Fortune, Seeking Alpha, Yahoo.com, VoxEU, Huffington Post, and other leading media. Kotlikoff has served as a consultant to the Federal Reserve, the International Monetary Fund, the World Bank, the Harvard Institute for International Development, the Organization for Economic Cooperation and Development, the Swedish Ministry of Finance, the Norwegian Ministry of Finance, the Bank of Italy, the Bank of Japan, the Bank of England, the Government of Russia, the Government of Ukraine, the Government of Bolivia, the Government of Bulgaria, the Treasury of New Zealand, the Office of Management and Budget, the U.S. Department of Education, the U.S. Department of Labor, the Joint Committee on Taxation, The Commonwealth of Massachusetts, The American Council of Life Insurance, Merrill Lynch, Fidelity Investments, AT&T, AON Corp., and other major U.S. corporations. Kotlikoff has provided expert testimony on numerous occasions to committees of Congress including the Senate Finance Committee, the Senate Budget Committee, the House Ways and Means Committee,
Are you confused about Medicare? Want to know how it can benefit you and which options best suit your needs? In this episode of The Health Fix Podcast, Dr. Jannine Krause interviews award-winning journalist and Medicare expert Phillip Moeller. Phillip is a coauthor of the New York Times bestseller Get What's Yours: The Secrets to Maxing Out Your Social Security and author of Get What's Yours for Medicare: Maximizing Your Coverage, Minimizing Your Costs, and Get What's Yours for Health Care: How to Get the Best Care at the Right Price. He also writes the “Ask Phil” feature for PBS NewsHour and shares Medicare and Social Security insights in his Substack newsletter, Get What's Yours. What You'll Learn In This Episode: Understanding Medicare Benefits: A breakdown of what Medicare actually provides and how it supports healthcare needs. Choosing the Right Plan: Key health conditions to consider when deciding between Original Medicare and Medicare Advantage plans. Medigap vs. Medicare Advantage Plans: Insights on how Medigap policies differ from Medicare Advantage plans, and when each might be a good choice. ACO Medical Groups: Why Accountable Care Organizations (ACO) provide a holistic approach for Medicare clients. Maximizing Medicare Benefits: How being proactive and asking the right questions can help you get the most from your Medicare benefits. Resources from the Show: Phillip Moeller's Website: GetWhatsYours.org Phillip's Book: Get What's Yours for Medicare Phillip's Newsletter: Get What's Yours on Substack (excellent free posts on Medicare updates) SHIP program - State Health Insurance Assistance Program - get help in your individual state Tune in to get clear guidance on evaluating Medicare and understanding which options work best for your unique health needs.
Our guest on the podcast today is Phil Moeller. He's the primary author of the Get What's Yours series of consumer guidebooks, including a newly revised edition of Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs. In addition, the series includes Get What's Yours: The Revised Secrets to Maxing Out Your Social Security and Get What's Yours for Health Care: How to Get the Best Care at the Right Price. Phil wrote the “Ask Phil” Medicare column for the PBS NewsHour website, Making Sense, reported on aging healthcare and retirement for Money magazine, and wrote “The Best Life” feature on aging and retirement for US News & World Report. He began his career as a newspaper business reporter and editor, and has worked for The Baltimore Sun, The Charlotte Observer, The Chicago Sun Times, The Hartford Business Journal, and The Louisville Courier Journal. He later founded the insure.com consumer website and also worked as a communications executive for a large insurance company.BackgroundBioGetWhatsYours.orgInsure.comBooks: Get What's Yours for Medicare: Maximize Your CoverageGet What's Yours: The Revised Secrets to Maxing Out Your Social SecurityGet What's Yours for Health Care: How to Get the Best Care at the Right PriceParts of Medicare Explained“Phil Moeller: What's New for Medicare—and More—in 2024?” by Phil Moeller, uhc.com, Jan. 10, 2024.“Phil Moeller: Filling the Coverage Gaps in Medicare,” by Phil Moeller, uhc.com, Sept. 25, 2024.Get Started With MedicareWhat Part A CoversWhat Part B CoversMedicare Advantage PlansWhat Medicare Part D Drug Plans CoverCompare Medigap Plan BenefitsWorking Past 65Private Insurance“Learning to Love Insurance Brokers (Within Limits!),” by Phil Moeller, substack.com, April 22, 2024.“Medicare Moment by Phil Moeller: Moving From Employer Health Insurance to Medicare,” Video by Phil Moeller, uhc.com, Nov. 21, 2022.Other“Washington State Establishes a Long-Term Care Program,” by Alicia H. Munnell, Center for Retirement Research at Boston College, crr.bc.edu, Aug. 13, 2024.Medicare Plan FinderMedicare & YouKFF
The country is still struggling with stubbornly high inflation. Among the groups most affected are older and retired Americans who rely on fixed incomes, including Social Security. But relief is on the way. Americans who receive Social Security payments are slated to receive an 8.7 percent cost-of-living adjustment starting January 2023, the biggest increase in benefits since 1981. The boost is tied to inflation and will average about $140 per month. MPR News host Angela Davis talks about the payment increase and the history and future of Social Security. For a better understanding of Social Security, Medicare and other benefits you can contact Minnesota's Senior LinkAge Line at (800) 333-2433. If you're nearing retirement or want to see what your payment benefits will look like, AARP can assist in helping you calculate your estimated Social Security benefits. “Get What's Yours: The Secrets to Maxing Out Your Social Security” by Laurence J. Kotlikoff, Philip Moeller and Paul Solman is another source that can help you navigate Social Security. Guests: Chris Farrell is senior economics contributor at Marketplace, American Public Media's nationally syndicated public radio business and economic programs. He's also a senior economics contributor at MPR News. Joe Gaugler is a professor in the School of Public Health at the University of Minnesota where he holds the Robert L. Kane Endowed Chair in Long-Term Care & Aging and directs the Center for Healthy Aging and Innovation. Cathy McLeer is the state director for AARP Minnesota. Subscribe to the MPR News with Angela Davis podcast on Apple Podcasts, Google Podcasts, Spotify or RSS.
This week on the podcast, we take a wide-ranging look at important changes going on in Medicare. My guest is a top expert on the program - Phillip Moeller. Phil is an award-winning financial journalist and author who has studied both Medicare and Social Security very closely. He’s the co-author of one of the best books on Social Security, called Get What's Yours - The Secrets to Maxing Out Your Social Security. And he is the sole author of two other volumes in the Get What’s Yours series, including Get What's Yours for Medicare: Maximize Your Coverage, Minimize Your Costs. Phil also writes an excellent newsletter on Substack, the same platform that I use to bring you my newsletter and podcast. I talked with Phil about an important set of changes to the Medicare Part D prescription drug program that Congress seems about ready to approve. We should have news about the legislation by the end of this week, or perhaps over the weekend, and if it does become law, I’ll be writing more about it. The bill would allow Medicare - for the first time - to negotiate the prices of the most expensive brand-name prescription drugs with pharmaceutical companies. That’s a big deal, and it could save quite a bit of money for enrollees and taxpayers over time - Medicaid and the Department of Veterans’ Affairs have been negotiating drug prices for years, and they generally pay about 30% less for drugs than Medicare does.The legislation would also place a $2,000 cap on enrollees’ annual out-of-pocket costs. And it incents drug makers to avoid large price increases by penalizing them for increases that exceed the general inflation rate in the economy. Here’s an overview of what the legislation would do, and when, courtesy of the Kaiser Family Foundation.I also spoke with Phil about the ongoing privatization of Medicare through the Medicare Advantage program - and the next big potential privatization wave which is coming in the form of Accountable Care Organizations for people enrolled in traditional Medicare.Finally, we speculated a bit about what the Part B premium and Social Security COLA will look like in 2023.Click the player icon at the top of the newsletter to listen to my conversation with Philip Moeller.What I’m readingThe mental health benefits of doing nothing . . . The benefits of paying off a mortgage . . . Pope Francis, slowed by aging, finds lessons in frailty . . . Factoring the costs of climate change resilience into retirement planning. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit retirementrevised.substack.com
Retirement planning entails a series of important decisions, including lifestyle decisions with long-lasting consequences. My guest today, economist Larry Kotlikoff, discusses his new book, Money Magic: An Economist's Secrets to More Money,Less Risk, and a Better Life, and how to make smarter lifestyle decisions by understanding the true price tags for each of them. See below for Larry Kotlikoff's full bio and links to learn more. _________________________ Retirement Wisdom is partnering with One Day University to bring you a FREE live-streamed talk with renowned Amherst Professor Catherine Sanderson, on January 18th, at 7 pm ET | 6pm CT | 4 pm PT. Professor Sanderson will present a live-streamed, one-hour version of her most popular course, Positive Psychology: The Science of Happiness, including time for Q&A in real-time. If you can't tune in live, everyone who RSVPs will receive a link to watch the class anytime they want. To RSVP today for this free class, just visit: www.onedayu.com/retirementwisdom __________________________ Bio Laurence J. Kotlikoff is a William Fairfield Warren Professor at Boston University, a Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, a Research Associate of the National Bureau of Economic Research, President of Economic Security Planning, Inc., a company specializing in financial planning software, a Research Associate of the Gaidar Institute, and a Research Fellow of the Goodman Institute.Kotlikoff is also a New York Times Best Selling author. The Economist Magazine ranked Kotlikoff one of the world's 25 most influential economists. His website is Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977. From 1977 through 1983, Kotlikoff served on the faculties of economics of the University of California, Los Angeles and Yale University. In 1981-82 Professor Kotlikoff was a Senior Economist with the President's Council of Economic Advisers. Professor Kotlikoff's writings and research address personal finance, inequality, taxation, Social Security, climate change, investing, healthcare, deficits, and insurance. Professor Kotlikoff is author or co-author of 20 books, hundreds of professional journal articles, and a multitude of op eds and blogs. His most recent books are Money Magic: An Economist's Secrets to More Money,Less Risk and a Better Life, You're Hired, Get What's Yours – the Revised Secrets to Maxing Out Your Social Security (a NY Times Best Seller co-authored with Philip Moeller and Paul Solman), The Clash of Generations (co-authored with Scott Burns), The Economic Consequences of the Vickers Commission, Jimmy Stewart Is Dead, Spend ‘Til the End, (co-authored with Scott Burns), Generational Policy (MIT Press), The Healthcare Fix, and The Coming Generational Storm (co-authored with Scott Burns). Kotlikoff's columns have appeared in The NY Times, The Wall Street Journal, The Washington Post, The Hill, The Financial Times, The Times of London, Forbes, CBNC, Bloomberg, PBS NewsHour, The Dallas News, Neue Zürcher Zeitung, the Seattle Times, Vox, Fortune, Seeking Alpha, Yahoo.com, VoxEU, Huffington Post, and other leading media. Kotlikoff has served as a consultant to the Federal Reserve, the International Monetary Fund, the World Bank, the Harvard Institute for International Development, the Organization for Economic Cooperation and Development, the Swedish Ministry of Finance, the Norwegian Ministry of Finance, the Bank of Italy, the Bank of Japan, the Bank of England, the Government of Russia, the Government of Ukraine, the Government of Bolivia, the Government of Bulgaria, the Treasury of New Zealand, the Office of Management and Budget, the U.S. Department of Education, the U.S. Department of Labor, the Joint Committee on Taxation, The Commonwealth of Massachusetts,
Today I'm speaking to Laurence (Larry) Kotlikoff. Larry is a professor of economics at Boston University, a New York Times best-selling author, and the president of Economic Security Planning, where he works to produce powerful personal financial planning tools. For much of his career, including two Presidential runs in 2012 and 2016, he's been uniquely focused on personal finance and economic reform. He believes that we have the power to improve our individual economic futures, as well as our nation and our planet's–but that there are real challenges along the way. In today's conversation, Larry and I dig into the major problems facing the American economy in 2021, why higher taxes are all but inevitable (and why our government fails to tax so many people correctly), and how to evaluate Social Security to make the most of your potential benefits. One more thing before we get started. We've got a bunch of copies of Larry's book, Get What's Yours: The Secrets to Maxing Out Your Social Security, and we're going to send them out until they're all gone! Here's all you have to do... Step 1.) Subscribe to the podcast and leave an honest rating & review over on iTunes. Step 2.) Send an email to info@howardbailey.com with your iTunes username and mailing address, and we will ship you the book for free. It's that simple! Show Notes: RetireWithPurpose.com/240 Rate & Review the Podcast: RetireWithPurpose.com/review Weekly Retirement Newsletter: RetireWithPurpose.com/weekend-reading
On this edition of the Wealth Guardians Radio show, Shawn speaks with Laurence Kotlikoff, author of "Get What’s Yours: The Secrets to Maxing Out Your Social Security". The Wealth Guardians Radio show is hosted by Doug Ray and broadcasts live each Saturday morning at 9:30 on Greensboro, NC’s 94.5 WPTI FM. Listen live or online at 945wpti.iheart.com/
Divorce is complicated in itself and it could get even more so with Social Security benefits. Because you’re no longer married, depending on your personal situation, a few sets of different rules will apply. And the more you educate yourself about this topic the more prepared and better equipped you’ll be. Randy Kitzmiller, a National Social Security Advisor, Retirement Income Certified Professional through the American College and a Retirement Income consultant at Ash Brokerage, help others get protection and receive security for their planning needs through seminars and educational events regarding the benefits of Social Security. In this episode, Randy shares common concerns and relevant information regarding social security benefits. A lot of women and men alike don't realize that there are certain benefits they’re entitled to receive when they are divorced. And just by knowing that you could receive such benefits can be life-changing. In This Episode We Discuss: If you're educated enough about certain topics you can make really good decisions. Spousal benefits vs. Survival Benefits Divorced Spouses have Survivor Benefits if certain criteria are met. Divorced Spouses have benefits if certain criteria are met. Example scenarios of Social Security Benefits Interesting things you should know under the Divorce benefits. Social security is not an emotional decision it's a financial decision. Education is key, get what you deserve. Your personal situation will dictate it. “Social security benefits although available to men and women is a women's issue and to be able to maximize those benefits is key.” Books mentioned: Get What's Yours: The Secrets to Maxing Out Your Social Security by Laurence Kotlikoff, Paul Solman, and Philip Moeller Resources Mentioned: Randy Kitzmiller Retirement Income Consultant LinkedIn --- Visit The Women's Financial Wellness Center for a full directory listing of experts. https://www.womensfinancialwellnesscenter.com/our-supporters Be sure to reach out if you would like to connect personally with The Women’s Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.comor grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.
As the owner of a financial planning firm that has helped hundreds of families plan their retirement, it’s clear that many people overlook how Social Security can fit into their financial and income planning puzzle - and there’s a lot of misinformation out there. A lot of so-called "financial advisors" or CPAs don’t educate their clients about the pros, cons and specific options that are available to you. As a result, few people know how to truly utilize it to hedge against longevity, healthcare costs, and inflation. To make matters worse, Social Security won't give you advice. If you say a wrong word, you're setting yourself up to lose tens - if not hundreds - of thousands of dollars. That’s why you need to know how to invest, get out efficiently, and avoid feeling like you need to constantly beat the market. In short, I want you to create a game plan with a purpose - which is what today’s episode is all about. In this podcast interview, you’ll learn: Why a law that took effect in 2016 made us change many of our clients' financial plans - and what we can do to make sure your Social Security stays funded. What you should be looking for in a financial advisor to help you manage your retirement - especially as you approach the age at which you have to begin taking withdrawals. The many issues caused by filing early - and how to maximize your withdrawal for the long term. Interview Resources The Heartful Retirement Ed Slott's Elite IRA Advisor Group Get What's Yours: The Secrets to Maxing Out Your Social Security
Laurence Kotlikoff is a professor economics at Boston University, co-author of a best seller on Social Security -- Get What's Yours -- the Revised Secrets to Maxing Out Your Social Security, which we'll discuss, developer or maximizemysocialsecurity.com, and he's running for President. He also writes a very popular column called Ask Larry at maximizemysocialsecurity.com where you can ask him your specific Social Security questions Kayt Sukel passionate traveler and science writer, she has no problem tackling interesting (and often taboo) subjects spanning love, sex, neuroscience, travel and politics. Her work has appeared in the Atlantic Monthly, the New Scientist, USA Today, Pacific Standard, the Washington Post, ISLANDS, Parenting, the Bark, American Baby, National Geographic Traveler, and the AARP Bulletin. She is a partner at the award-winning family travel website Travel Savvy Mom, and is also a frequent contributor to the Dana Foundation's many science publications. For more information go to MoneyForLunch.com. Connect with Bert Martinez on Facebook. Connect with Bert Martinez on Twitter. Need help with your business? Contact Bert Martinez. Have Bert Martinez speak at your event!
The most common retirement planning mistakes are made by pre-retirees. These include: Overspending Underspending Social security mistakes Doug explains common mishaps people make and offers suggestions on how to avoid them. Today’s interview with Professor Laurence Kotlikoff of the Economics Department at Boston University, author of Get What's Yours: The Secrets to Maxing Out Your Social Security, discusses the changes in Social Security rules, including changes in claiming spousal benefits. Professor Kotlikoff explains how people’s retirement plans are getting knocked off course by new legislation, and advises when you should first claim your Social Security benefits. Follow Professor Kotlikoff and his work at: http://www.kotlikoff.net/ For more information about making the most of your Social Security entitlements, visit: http://maximizemysocialsecurity.com/ For useful software, developed by Professor Kotlikoff, to help you plan your finances, visit http://esplanner.com/
We are honored that Professor Laurence J. Kotlikoff has accepted our invitation to be on our show. He is a William Fairfield Warren Professor and a Professor of Economics at Boston University, a Research Associate of the National Bureau of Economic Research, President of Economic Security Planning, Inc., and the Director of the Fiscal Analysis Center. Professor Kotlikoff is a NY Times Best Selling author and an active columnist which have appeared in The New York Times, The Wall Street Journal, The Financial Times, the Boston Globe, Bloomberg, Forbes, Vox, The Economist, Yahoo.com, Huffington Post and other major publications. In addition, he is a frequent guest on major television and radio stations. In 2014, he was named by The Economist as one of the world's 25 most influential economists. He is with us today to discuss his latest book "Get What's Yours, The Secrets of Maxing Out Your Social Security".
Laurence Kotlikoff is a second time guest to the Creating Wealth show and has a lot to share on the subject of economics and Social Security. Laurence Kotlikoff is a William Warren FairField Professor for Economics at Boston University and recently released a book entitled, Get What's Yours: The Secrets to Maxing Out Your Social Security. Laurence sits down with Jason to talk on the growing Social Security problem, the U.S. government's 210 trillion dollar time bomb, and what kind of economic environment we should expect in the next ten years. Key Takeaways: [4:15] U-Haul is a good litmus test for migration trends. [9:25] Jason recommends reading The Untethered Soul by Michael Singer. [10:45] Look out for the informal Chicago property tour July 15th. [14:00] Jason welcomes Laurence Kotlikoff to the show. [14:55] How is Social Security sexist? [19:30] By waiting until you're 70-years-old, you'd be collecting a 76% higher Social Securities check. [25:30] The true fiscal gap the government is facing is around 210 trillion dollars. [30:15] How does the U.S. debt compare to the rest of the world? [39:55] Should we expect an inflationary, deflationary, or stagnationary economy in the future? [43:50] Laurence encourages even the younger generation to the read his book, Get What's Yours. [45:40] ThePurplePlans.org is a website that shares details on how economists believe you can fix the economy. Mentioned In This Episode: The Untethered Soul by Michael Singer http://www.promover.org/ https://www.maximizemysocialsecurity.com/ http://www.kotlikoff.net/ http://www.thepurpleplans.org/
Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else.Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. On today's show we were once again joined by Suzanne Edwards, Money and Legal reporter for Houston Business Journal. Suzanne updated us on the local banking trends in Houston in relation to the oil market. We were joined at the halfway mark by author Laurence Kotlikoff and discussed his newest book Get What's Yours: The Secrets to Maxing Out Your Social Security. Laurence J. Kotlikoff is William Fairfield Warren Distinguished Professor and a professor of economics at Boston University. He is also president of Economic Security Planning, Inc., a company specializing in financial planning software. His company websites are ESPlanner.com and MaximizeMySocialSecurity.com. He is author or co-author of sixteen books, including Spend ‘Til the End and The Coming Generational Storm (both with Scott Burns). His work has appeared in The New York Times, The Wall Street Journal, The Financial Times, Bloomberg, Forbes, The Economist, Huffington Post, and other major publications. He has served as a consultant to the International Monetary Fund, the World Bank, governments around the world, and major U.S. corporations including Merrill Lynch, Fidelity Investments, and AON. In addition, he has provided expert testimony on numerous occasions to committees of Congress. He lives in Boston. You can find out more about Laurence Kotlikoff by visiting his website at: www.getwhatsyours.org You can listen live by going to www.kpft.org and clicking on the HD3 tab. You can also listen to this episode and others by podcast at: http://directory.libsyn.com/shows/view/id/moneymatters or www.moneymatterspodcast.com #kpft #hbjsuzanne