Podcasts about pretirement

Innovation comes in many areas, and compliance professionals need to not only be ready for it but embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. In this episode, host Tom Fox is joined by Kris Miller, a fellow podcaster, author, and member of the C-Suite, to discuss her extensive background as a financial expert. Kris shares her journey from starting as a paralegal to becoming a prominent figure in financial education, particularly focusing on living trusts and safe money strategies. She provides valuable insights into how individuals can ‘crash-proof' their finances using tools like equity index annuities and index universal life policies. Kris underscores the importance of early financial planning and debunks myths surrounding investments, emphasizing the need for safe and sustainable financial practices. She also touches upon the significance of living trusts and asset protection in traditional estate planning. Kris's mission is to educate millions on healthy money strategies, especially amidst current financial volatility. Kris discusses her podcast ‘Money 9-1-1,' which covers health, wealth, and peace of mind, and her book ‘Ready for PREtirement: 3 Secrets for Safe Money and a Fabulous Future.' Key highlights: Mission to Educate on Financial Strategies Living Trusts and Asset Protection Insurance as an Investment Tool Long-Term Health Care Solutions Social Media Outreach and Podcast Resources: Kris Miller on LinkedIn Money 9-1-1 Podcast Ready for PREtirement on Amazon.com Tom Fox Instagram Facebook YouTube Twitter LinkedIn

Are you worried about your finances for retirement? "Pre-tirement" is a new term for what you can do as you get closer to retirement. AARP is helping to launch a special website to help you and AARP money expert Mary Liz Burns is here to explain how. Visit https://thisispretirement.org/ to learn more and get your personalized retirement savings action plan.

Mary Liz Burns, Senior Director of Communications Strategy at AARP, talks about the new campaign "This is Pretirement". Get more information here.

Mary Liz Burns, Senior Director of Communications Strategy at AARP, talks about the new campaign "This is Pretirement". Get more information here.

Secrets for Safe Money and a Fabulous Future, Create Income You Will Never Outlive with Kris Miller Kris Miller's message for nonprofit leaders and clergy regarding estate planning is to remember the importance of planning for the future. Estate planning is not only about ensuring that your assets are distributed according to your wishes, but also about making sure that your mission and values continue to be carried out after you are gone. It is important to work with an estate planning attorney to ensure that your assets are protected, your beneficiaries are taken care of, and your nonprofit or religious organization is provided for in the future. Consider including charitable giving in your estate plan as a way to ensure that your legacy lives on and continues to make a difference in the world. Kris Miller is a Legacy Wealth Strategist. Her clients learn how to change their families' financial realities and create incomes they will never outlive. Not one person has lost a single dime on her watch. She's an engaging speaker and has spoken extensively on personal finance, retirement & estate planning, living trusts and asset protection at live events and for radio, TV and digital media. Kris is a highly sought-after speaker & trainer for organizations and businesses including Citibank, Keller Williams Realty, the American Payroll Association and the U.S. Government Financial Officers Association. She's helped over 6,000 families avoid financial disaster by strategically planning for their futures. Kris is the author of the #1 bestseller “Ready for PREtirement: 3 Secrets for Safe Money and a F Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Kris Miller: How to Invest to Build Your Fortune Kris Miller is the author of the #1 bestselling book, “Ready for PREtirement: 3 Secrets to Safe Money and a Fabulous Future.” She's the founder of Healthy Money Happy Life and she teaches hard-working people like us how to protect our money and ensure that we'll have enough to live well even if we choose to retire. The secrets she has to share are rarely discussed outside the 1%. Like this Podcast? Get every episode delivered to you free!  Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!

Welcome to the Conscious Millionaire Show for entrepreneurs,  who want to create an abundant future for themselves and humanity. Heard by millions in 190 countries.  Do you want to put more money in the bank, create a powerful impact, and enjoy a purposeful life? This is the podcast for you! Join host, JV Crum III, as he goes inside the minds of Millionaire Entrepreneurs and World-Class Business Experts. Today's featured episode... Kris Miller: How to Invest to Build Your Fortune Kris Miller is the author of the #1 bestselling book, “Ready for PREtirement: 3 Secrets to Safe Money and a Fabulous Future.” She's the founder of Healthy Money Happy Life and she teaches hard-working people like us how to protect our money and ensure that we'll have enough to live well even if we choose to retire. The secrets she has to share are rarely discussed outside the 1%. Like this Podcast? Get every episode delivered to you free!  Subscribe in iTunes Download Your Free Money-Making Gift Now... "Born to Make Millions" Hypnotic Audio - Click Here Now! Please help spread the word. Subscribing and leaving a review helps others find our podcast. Thanks so much! Inc Magazine "Top 13 Business Podcasts." Conscious Millionaire Network has over 3,000 episodes and millions of listeners in 190 countries. Join us as a regular listener to get money-making secrets on how you can grow your business and profits faster!

Are you planning to retire someday? Maybe that “someday” is decades away. Maybe it's later this year. Regardless of your timeline, this special episode could potentially be among the most important we've ever released in terms of impact on the lives and future lives of you and those in your inner circle. In 1960, if you made it to age 65, you could expect to live another 13 years. Today, 1 in 7 of us will live past age 95, meaning we might spend 30 or more years in retirement. Are you going to be ready – not just financially – but in all key aspects of life?I'm Dr. Brad Cooper and this episode will dig into a concept you've likely never even heard of but will soon be glad you did. We're going to discuss the ins and outs of Mastering PREtirement. Wait – what? PREtirement? What is PREtirement? From friends and peers to coaching clients and even parents, we're going to address the key steps, starting with our 20's and working up to our 60's, that will help us not only make the most of our post-working life, but also enhance each phase along the way. And yes, money will enter our discussion, but the primary purpose of this episode will be to go further – to uncover ways in which we can truly live fully during our final act – not simply accumulate the funds to avoid working.For specific advice or guidance regarding financial matters, you can contact Colby Ripsam, the financial advisor and investment management analyst mentioned in this episode via email Colby.Ripsam@lpl.com or (970) 800-3432.Looking for weekly tips, tricks and turbo boosts to enhance your life? Sign up for the CATALYST 5 here, a brief weekly bullet point list of 5 ideas, concepts or boosts Dr. Cooper has discovered to improve your personal and professional life!For more information about the Catalyst Community, earning your health & wellness coaching certification, the annual Rocky Mountain Coaching Retreat & Symposium and much more, please see https://www.catalystcoachinginstitute.com/ or reach out to us Results@CatalystCoachingInstitute.com If you'd like to share the Be A Catalyst! message in your world with a cool hoodie, t-shirt, water bottle stickers and more (100% of ALL profits go to charity), please visit https://teespring.com/stores/be-a-catalyst If you are a current or future health & wellness coach, please check out our Health & Wellness Coaching Forum Group on Facebook: https://www.facebook.com/groups/278207545599218.  This is an awesome group if you are looking for encouragement, ideas, resources and more. Finally, if you enjoy the Catalyst Podcast, you might also enjoy the YouTube Coaching Channel, which provides a full library of freely available videos covering health, wellness & performance: https://www.youtube.com/c/CoachingChannel

Syndication Made Easy with Kris Miller Kris Miller is a Legacy Wealth Strategist and she wants to live in a world where people celebrate their lives when they retire, not scrimp and worry if their money is going to last. She's advised over 6,000 families over the last 30+ years and has never lost a single penny of their money Kris is the author of the #1 bestseller “Ready for PREtirement: 3 Secrets for Safe Money and a Fabulous Future.” http://healthymoneyhappylife.com/ Do not forget to share this podcast, leave comments, and give 5 Star reviews! Thank you so much!  ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

Syndication Made Easy with Kris Miller Kris Miller is a Legacy Wealth Strategist and she wants to live in a world where people celebrate their lives when they retire, not scrimp and worry if their money is going to last. She's advised over 6,000 families over the last 30+ years and has never lost a single penny of their money Kris is the author of the #1 bestseller “Ready for PREtirement: 3 Secrets for Safe Money and a Fabulous Future.” http://healthymoneyhappylife.com/ Do not forget to share this podcast, leave comments, and give 5 Star reviews! Thank you so much!  ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

My guest today is in Pasadena, California and her name is Julie Winkle Giulioni. Julie is the author of ‘Promotions Are So Yesterday: Redefine Career Development, Help Employees Thrive' and the co-author of the international bestseller, ‘Help Them Grow or Watch Them Go'. Julie is also named by Inc. Magazine as a Top 100 Leadership Speaker and in this conversation, we talk about Julie's career and how every single person alive today can thrive in their own career.We talk in detail about Julie's own career, her favourite roles, and what made her 'trade in the illusion of security for the illusion of freedom' and venture out on her own.The underlying theme of her latest book 'Promotions are so yesterday' is so key in 2022 and beyond. We talk about how the idea for this book came about, and the answer is quite personal.We also talk about two particular concepts from her book that I think the listener will find even more  valuable: a) “Pretirement: the period leading up to retirement and a time for reciprocal contribution”.  (And spoiler alert: it's not related to age).b) "It's called work for a reason. If it was enjoyable, they'd call it fun.” Sheesh, we've all heard that. Julie shares with us how we can bring contentment, and dare we say, joy, in our work.This is such a valuable and fun conversation, I hope you enjoy it as much as we did!Learn more about Julie here:  https://www.juliewinklegiulioni.com/Get Julie's new book Promotions are so Yesterday here.  Follow Julie on LinkedIn: https://www.linkedin.com/in/juliewinklegiulioni/----------------------------------------------------------Liked this episode? A few things:1. Share the podcast with three of your closest friends! And please leave a great review on Apple Podcasts here or Spotify here (tap on the three-dot menu under the cover art of the podcast) , as it would mean a lot to me and hopefully help others discover it. 2. You will love my emails called Charge-Up! I send them once every few weeks.. they're no fluff no spam, where I share my favourite career insights from movies, TV shows, news and my own personal experiences, that I don't share anywhere else. Make sure you sign up here!  3. Come hang out with me LIVE on LinkedIn and Youtube every Friday at 2 pm CET where I answer your questions and often bring in fab guests:LinkedIn: https://www.linkedin.com/in/sonalbahl/ Youtube: https://www.youtube.com/SuperChargeYourself4. Share your favourite takeaways and tag me on your Instagram and LinkedIn.

This is a fantastic time to enjoy a pretirement tailwind. If you have ever considered using pretirement as a gateway into full retirement, the job market is desperately searching for experienced talent. Listen in to discover how this cultural shift in the workplace could benefit your retirement plans.  On this episode, you'll also hear the answers to a number of questions from listeners like you. If you are worried about how to shift from saving to spending, wondering how to plan for taxes in retirement, or how RMDs work for married couples then make sure to press play to hear the answers to these questions.  Retirement is not binary Traditionally, retirement is considered to be the opposite of working. You work 40 years or so then one day you stop and retire. However, in today's world, this does not have to be the case. There are plenty of ways that people can incorporate a pretirement phase before retiring fully. I like to call part-time work, consulting, or working a flexible schedule before full retirement pretirement. Pretirement can be a great way to ease into retirement while still benefiting from staying engaged in the working world. Companies are more flexible than ever before The pandemic reframed the way people work. Companies experimented with remote work and flexible schedules and many corporations that tried to reinstate traditional office work ended up seeing pushback from employees. This shift has created a talent shortage in many fields which has led to a desperate need for qualified, accomplished individuals to fill various positions. Since corporations are struggling in their search for skilled labor, many are rethinking their cultural rigidness and becoming more flexible.  Many companies have realized that employees can be just as productive or even more so by working from home or on a flexible schedule. This corporate cultural shift has led to a huge opportunity for those that are seeking alternatives to traditional retirement.  How to explore pretirement If you have been considering retirement, but aren't sure if you are ready, consider exploring the boundaries with your current employer. You may be able to negotiate a 3 day a week schedule or a 100% remote position.  If you have already retired and would like to enjoy the stimulation of working without the limitations of a full-time schedule, now is a great time to cash in on your career capital by reaching out to your network to explore your options.  You may discover the right part-time, consulting, or contract position that allows you the time freedom of retirement while enjoying the mental stimulation and income of the working world.  How to go from being a saver to becoming a spender? Since you have been saving for retirement your entire working career, making the transition to spending that savings takes a huge shift in mindset. One reason for this is the money scripts that we have ingrained in our minds since childhood. Money scripts are the stories we tell ourselves about money. Changing your money scripts will not happen overnight.  In retirement, you will have to transition from saving to spending, but this isn't as easy as flipping a switch. It is a process that you will slowly become comfortable with as you ease into your new life. It will take time, but slowly you will lean into the changes in your life and you will become comfortable with your new life rhythm. Listen in to hear how you can make the shift in mindset from a saver to a spender.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [1:30] Enjoy the pretirement tailwind LISTENER QUESTIONS [7:08] How to go from being a saver to becoming a spender [12:55] Why Bob is lamenting being born in 1960 [15:41] How to access a solo 401K plan [17:56] Deciding whether to keep a group universal life plan after retiring [21:10] How to include taxes as future liabilities [24:33] RMDs for married couples TODAY'S SMART SPRINT SEGMENT [25:27] Reframe the idea that retirement is binary Resources Mentioned In This Episode   LTCI Partners BOOK - So Good They Can't Ignore You by Cal Newport Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger's Retirement Learning Center

Your host, Donna Peters, interviews Liz Tinkham, host of the Third Act podcast. What a helpful, super relevant discussion--whether you're 30, 40, or 50. Liz, an early-retired senior executive and mom of three, challenges us to be deliberate in how we use our time, treasure, and talent throughout the stages of our lives. From maximimizing earnings potential in our 30s, to thinking ahead in our 40s, to being ready in our 50s. This episode meets you where you are. Some highlights include:--pretirement vs retirement--talking to your honey about money--our changing relationship with workLiz's core values are: curiosity, humility, and stewardship.www.the-me-suite.comFB: @mesuiteLinkedIn: Donna PetersTwitter: @DonnaPetersCMeOThe Me-Suite podcast music by Moshun

In this podcast, we feature Kris Miller, a Legacy Wealth Strategist that has helped over 6,000 families avoid financial disaster by strategically planning for their futures. She is the author of the #1 bestseller Ready for PREtirement: 3 Secrets for Safe Money and a Fabulous Future. Create Income You Will Never Outlive [...] The post Create Income You Will Never Outlive appeared first on AuthorExpertWire Podcast.

Some people call it early retirement, some people call it micro retirements, I call it minimalist pretirement. In today’s episode I discuss this topic. I go back into expense management and alternative income streams. This will be episode one of two on the topic of minimalist pretirement.

Retirement planning will never be the same. Actually there are many aspects of our lives that will never be the same. The Coronavirus disruption has been exactly that, a disruption of our everyday lives. It has affected everything from education, to work life, to retirement planning. Find out how staying intentional and agile will help you rock retirement on this episode of Retirement Answer Man.  Disruption causes trends to accelerate Normally we see new trends happening but they take time to really take root. But once some kind of disruption takes hold those trends begin to accelerate. Remote working and online learning were two trends that were coming along in the world but they never really took hold until the Coronavirus disruption. These two trends have been fueled by this disruption and education and the workspace will never be the same.  How do you define retirement? If you look retirement up in the dictionary it can mean several things. But none of those ring true for most people in the various stages of retirement planning. We all have our own definitions, our own versions of how we want to spend our golden years. Many of us feel that the most important thing to consider in retirement is time freedom. We want to have control over our own schedules. Plenty of people want to continue to work, but for a different purpose. The compensation may not be the same. Instead, they choose to work to give or to make an impact in the world. So what does retirement mean to you? 5 ways retirement planning is changing School and work aren’t the only aspects of life that are changing. Retirement planning is changing as well. This field has its own trends that will be accelerated by the Coronavirus disruption as well. Here are 5 trends that I see changing retirement planning. I think we were all starting to value experiences over things and that will continue to accelerate when all this is said and done.  Retirement planning generally starts out as a mathematical formula and we often forget life outcomes. I think retirement planning will become less investment-focused, and more focused on creating the outcomes that are right for you.  Matching our assets with our liabilities will increase in importance in retirement. This is what retirement planning actually is. People will become more focused on short-term volatility risk and may forget about long-term inflation risk and decreased buying power. Since inflation has been so low for so long we frequently ignore its risk.  Pretirement will boom. Pretirement is an excellent bridge between full-time work and retirement. It doesn’t just give you cash flow in retirement it also gives you: Time freedom A purpose or something that interests you A way to help mentally ease into retirement A transition in your social network Agency and a sense of power  What trends do you think might accelerate from all of this? Let me know by responding to the 6 Shot Saturday email.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [0:40] Disruption causes trends to accelerate WHAT DOES THAT MEAN? [3:20] What does retirement mean? PRACTICAL PLANNING SEGMENT [5:35] 5 trends in retirement planning Q&A SEGMENT [20:28] How should Mitchell roll his pension so that he doesn’t get taxed for the lump sum? [22:00] What kind of stress tests can we do to prepare for retirement? [25:38] How to prioritize what’s important in stressful times [30:28] How to pursue a second act TODAY’S SMART SPRINT SEGMENT [33:24] What can you do to treat yourself? Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Making the choice to retire and actually stepping away from the comfort of your long-time career can be so difficult. It takes a lot of courage to make that leap. On this episode of Retirement Answer Man, we’ll be analyzing how you can create a strategy to step off that train and get started on your retirement. Listen in to hear how to start planning for the retirement that you know you want. But first, let’s talk about this stimulus package.  What does the CARES Act mean for you? In a landmark piece of legislation, the CARES Act was recently signed into law. Roughly 90% of the population will be receiving a direct deposit into their bank account courtesy of Uncle Sam. The qualifications will be based upon your most recent tax return. If you are married and made less than $150,000 then you will qualify. Another perk of the CARES Act is that in 2020 there will be no required minimum distributions. Listen in to hear about 401K loans and hardship distributions which were also covered in the bill.  It can be hard to retire Sure retirement sounds exciting, but actually stepping away from a longheld career and living off your savings can feel like jumping off a cliff. At this point in your life, you are probably at the top of your game. You are probably making more money than ever before. You are the captain of your universe. How can you step off that money-making train and into the unknown?  Some strategies to help you prepare to retire So how do you garner the courage to give up your income, live off your savings, and step into this unknown world? There are some tactical strategies that you can use to help you prepare for this change in life.  Set a deadline for retirement - not just in general, set a specific date to pull the plug. Create a compelling vision of where you want to go - Use process strategy tactics to prepare and organize your resources. Pretire - set yourself up to make a little bit of income. Now is a great time to prove to your employer that you can work remotely. Pretirement can be a great way to gain time freedom without giving up all of your income Flock with birds of the same feather - get to know people that are walking the same path but a bit ahead of you in their journey. The Rock Retirement Club is a great way to share ideas and conversation with people in the same boat.  Now more than ever it is important to remain agile in your retirement planning. Listen in to hear listener questions and to find out how you can prepare to retire.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN? [1:18] What does the CAREs Act mean for you? PRACTICAL PLANNING SEGMENT [7:41] It can be hard to retire [13:43] Some tactical strategies LISTENER QUESTIONS [17:10] This whole month is dedicated to your questions [18:00] Will the stimulus package end up causing inflation? [21:54] How to rebalance at this time TODAY’S SMART SPRINT SEGMENT [28:35] This is the perfect time to get ready Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

Protecting your retirement lifestyle is an important part of retirement planning. You want to know that if everything falls apart you’ll still be able to live the life you want. Well, unfortunately, nothing is absolutely certain and there is no way to protect yourself against everything. However, proper planning can help give you peace of mind. If you’re wondering what on earth you’ll do in the event of a bear market or market crash, listen to this episode to help you understand how to set yourself up for success in retirement. Retirement is asymmetrical The 4% rule looks great on paper, but it really isn’t practical when applied to life. Retirement is lumpy and asymmetrical and returns on investment are asymmetrical as well. There are always going to be unexpected expenses. Sometimes expenses will come in the form of opportunities and sometimes the expenses won’t be as much fun. The only thing that is certain is that life is always uncertain. So it is important to prepare for the unexpected. When planning your retirement, you need to remember that life will get in the way.  It’s all about finding balance In retirement, you need to find that balance. On one end of the spectrum, you have that near-term market loss and on the other end, you have a loss of purchasing power.  Let’s learn how to keep the tension between the two of them.  Know what your spending forecast is. Understand your needs, wants, and wishes. Build a model retirement budget and then categorize your spending in those 3 different categories.  Determine your fundedness. Are you underfunded, constrained, or overfunded? Know where you fall on this spectrum. The strategies you take will depend on how funded your retirement savings are. Listen in to hear the different strategies to use based on your fundedness.  The best way to protect your retirement lifestyle How can you protect your retirement lifestyle? Try using your superpower longer. What is your superpower, you ask. Your human capital. The longer you can continue to bring in income the better off you’ll be. Retirement doesn’t have to be like a light switch. You don’t have to simply turn off the work button. Try pretirement to gain time freedom and flexibility while still maintaining a bit of an income. Pretirement is the best strategy you can use to protect yourself from whatever life throws at you.  How much is enough? A listener writes in with a question, how will he know when he has enough to retire? This is such an important question and one that we all struggle with, but it’s not only an external question of how much you have in the bank. You need to go through a process to determine the retirement that’s right for you. Here are some steps you can follow to help: Determine how much the retirement lifestyle you want will cost. Create a model retirement budget based on your needs, wants and wishes. Know what your resources are and strategize from there.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [1:06] Retirement is asymmetrical [3:03] How do we balance near term market loss on one end with loss of purchasing power on the other end? [10:28] Tips to protect yourself LISTENER QUESTIONS SEGMENT [13:44] BC is wondering whether he should pay off his mortgage [16:50] How much is enough? [24:02] Should gold be a part of your portfolio? TODAY’S SMART SPRINT SEGMENT [28:05] Revisit your premise that retirement is binary Resources Mentioned In This Episode BOOK - Stillness is the Key by Ryan Holiday Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center

On today's episode of The Dr. Ali Griffith Show we our guest today is none other than the wonderful Kris Miller! Kris is a Legacy Wealth Strategist. She is the author of the #1 Bestselling "Ready for PREtirement: 3 Secrets for Safe Money and a Fabulous Future." She teaches companies and individuals how to have healthy money and a happy life. She's an engaging speaker and frequent guest expert on personal finance for radio, TV and digital media. Over the last 25 years she has helped over 6,000 families protect themselves and their financial assets. Tune in to listen as Kris dives in to her strategic wealth mindset tools and how she uses meditation to set her up for a winning day. You'll hear her bright light, how she touches people with her ingenuity, and how real and authentic she is. Learn more about Kris and Legacy Shifters at www.legacyshifters.com. For more episodes of The Dr. Ali Griffith Show, autism parenting tools, business coaching and strategies, free gifts and more, visit www.draligriffith.com

Are work and retirement mutually exclusive? Here at the Retirement Answer Man world headquarters, we don’t think so. On this classic (throwback?) episode, we revisit the idea of pretirement. Pretirement is the concept that you can work and retire at the same time. If you aren’t ready to hang up your hat and sit on the park bench of life, you’ll want to explore the concept of pretirement. Listen to this vintage episode of Retirement Answer Man to ponder the idea of work and retirement and discover if this is the right concept for you.  Hard-at-work-October is progressing beautifully Are you ready for the most amazing, comprehensive retirement course ever created? All of us here at Retirement Answer Man HQ are busy creating a life-changing course that will help you rock your retirement. The good news is, this retirement course will be an exclusive benefit for everyone that has joined the Rock Retirement Club. If you’re not a member yet, make sure to join before November 1 to lock in your low lifetime price.  Are you one of the millions of Americans in a sad state of retirement readiness? Pick up any news article on retirement and you are bound to read about the fact that Americans don’t save or invest enough to support themselves over the course of retirement. We are healthier and living longer than ever before and our savings numbers just don’t work. But what is the right amount of money to have saved anyway? Whether you are worth $50,000, $500,000, or $5 million there will still be the feeling that you just don’t have enough.  Do you think of retirement as a light switch between work and retirement? According to a recent survey among Retirement Answer Man listeners, freedom is the number one aspect to retirement that you all look forward to. Be strategic about how to put a plan in place to slow down your working pace. Pretirement is the strategic phase in which you still earn income (maybe less than before) but you gain the time freedom that most seek from retirement. Rather than seeing retirement as an off-switch to working, pretirement is more like a dimmer switch.  What are some benefits of pretirement? It takes the pressure off of you to save everything you can It takes away the worry about the economy At the beginning of your retirement, your skills are still relevant and you still have a network of work contacts Your longevity risk and market risk are the greatest at the beginning of retirement. Pretirement eases these risks The retirement transition is a period of significant change, pretirement can ease you into that change  You don’t have to dip into your savings so soon so your investments can continue to grow You can delay taking Social Security which increases your benefits You may experience a reduction in healthcare costs OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [6:46] Most Americans feel that they are not retirement ready PRACTICAL PLANNING SEGMENT [9:15] What excites you most about retirement? [16:09] Why is pretirement important? [19:42] What are the benefits of pretirement? [27:22] What are some qualitative benefits of pretirement? [33:28] Tips to start planning pretirement [36:48] Some examples of pretirement work TODAY’S SMART SPRINT SEGMENT [38:09] Think about what you might want to do for pretirement work THE HAPPY LAB SEGMENT [38:58] You have a choice about how you respond to things Resources Mentioned In This Episode BOOK - The 100 Year Life by Andrew Scott and Lynda Gratton BOOK - Built to Sell by John Warrillow Couple Money Podcast Stacking Benjamins Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Work with Roger Roger’s Retirement Learning Center  

On episode 250 of Retirement Answer Man we investigate the investment strategy of global diversification. With the U.S. stock market on a tear, is global diversification really worth it? In 2018 international investing has been a drag on our portfolios. As with everything, there are positives and negatives to investing internationally, but it is important to diversify your portfolio. David Stein, from the podcast Money for the Rest of Us, and I discussed the pros and cons of holding international stocks at FinCon recently and I share a bit of our conversation with you all. Listen to our discussion and hear some interesting facts about longevity on this episode of Retirement Answer Man. Longevity is here to stay Longevity is a big issue if you are approaching retirement since you will probably live longer than you think. This increase in longevity is important to consider when planning your retirement. Longevity has grown so much that the fastest growing population is that of centenarians. Between 2001 and 2015 deaths due to heart disease decreased while Alzheimer's deaths increased. As of now, the natural life expectancy seems to peak at 120 years old, but scientists are constantly looking for ways to increase it. The truth is we are getting healthier and staying productive for a longer time. Listen to the Hot Topic segment to find out what increasing longevity means for your retirement. Pretirement is a great way to redefine retirement Gone are the days when you can just stop working and do nothing. If you may live another 40 or so years after your retirement then pretirement is a great way to gain time freedom and it combats your feeling of having little or no control over your income and your time. If you simply stop working it can be much harder to jump back into the workforce if you ever need or want to. Pretirement helps to keep the mind active which is an important way to combat Alzheimer’s disease. Learn how to redefine retirement by listening to this episode of Retirement Answer Man. Why do we need global diversification in our portfolios? The S&P 500 has been on a roll over the past ten years while developed international markets have performed quite poorly. So if global markets are doing so badly, why should we even have them in our portfolio? There are positives and negatives to global diversification. There are quite a few quality companies that are traded overseas, like BMW, Shell and Volvo which you may want to invest in. Limiting your portfolio to companies that are only traded in the U.S. limits the reach of your portfolio. While holding international equities can be more complicated and take more research they can be a great way to bring balance to your portfolio. Discover the pros and cons of global diversification on this episode of Retirement Answer Man. A conversation with David Stein on the pros and cons of global diversification I recently chatted with David Stein from the Money for the Rest of Us podcast. We discussed whether global diversification is really worth it. The question of holding international investments is important to consider since the U.S. market has been outperforming global markets for over 10 years. David pointed out that if we want to hold a truly diverse portfolio then it should reflect the fact that over 40% of companies are held abroad. With a diverse portfolio it can always feel like you are missing out on something and that you have holdings which are dragging you down. How do you feel about your portfolio? Is it globally diverse? OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [3:42] Longevity is a reality [8:33] Why is pretirement so important? PRACTICAL PLANNING SEGMENT [12:10] What are the positives and negatives of holding international equities? [16:07] Some data from the MSCI-EAFE index [22:26] Why you still should hold international investments [24:08] What does David Stein think of international diversification? THE HAPPY LAB SEGMENT [27:55] Longevity can lead to loneliness--so make some younger friends TODAY’S SMART SPRINT SEGMENT [29:10] Review your asset allocation and identify your exposure to global markets Resources Mentioned In This Episode David Stein Money for the Rest of Us BOOK - The 100 Year Life by Andrew Scott Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Ask Roger a question Work with Roger 3-video Series: 5 Minute Retirement Makeover Roger’s Retirement Learning Center The Retirement Answer Man Facebook Page

As exciting as it is, the thought of retirement can be a scary one. By the time you reach retirement age, it seems like you have life all figured out. Now you’ll have to start all over again in the big, scary unknown. Why should you leave the comfort, income, and respect that you have in your career for a life of instability and the unknown? Listeners share their worries as well as their hopes for retirement in the practical planning segment and I discuss the sunk cost fallacy and how it pertains to retirement on the hot topic segment. Listen to this episode of the Retirement Answer Man to ensure that you don’t fall for the sunk cost fallacy. What is the sunk cost fallacy? Have you ever held onto a stock that was tanking? Even though you knew you should sell, you just couldn’t let it go for pennies on the dollar. Sometimes we feel that because we put money, time, or effort into something that we value more than it is really worth. The truth is we only have what we have today. What something was worth yesterday, last week, or last year doesn’t matter anymore. Listen to this episode to hear what the sunk cost fallacy has to do with you and your retirement. How sunk cost bias can color your decisions to retire We all have a sunk cost in where we live, where we work and in our status quo. It can be hard to let these things go and embrace the unknown of retirement. It's easier to just keep working, it’s the known thing, people respect and like you, and you have a steady paycheck. When you retire you give up a great income, friendships, and the respect of your colleagues. Don’t let the sunk cost bias influence your decision on retirement. Position your life so that it is where you want to be. Even though you’ll never feel 100% ready, retirement awaits. Are you worried about increasing life expectancy? Increasing longevity brings about an interesting paradox in retirement planning. On the one hand, living longer would be great, but on the other hand, how are you going to pay for it? Increasing life expectancy is actually one of the main concerns for many that are about to retire. People are worried that their money will run out before they do. Another concern for future retirees is health care, if you are interested in retiring before 65 then figuring out how to pay for health insurance is a big consideration. Many have even opted to just wait to retire until they are eligible for Medicare. What is your biggest retirement worry? Pretirement can be a solution to many retirement worries Increasingly people are looking to find a pretirement solution to ease their worries of too much freedom, not enough money, or health care woes. Pretirement appeals to those looking for more flexibility yet who are not ready for full-on retirement. One listener mentions that he’s not looking to retire by sitting on a beach in Florida. Retirement in this day and age is a whole different ball game. That’s why it’s comforting to have a tribe of people that are walking the same walk. Be sure to hop over to the Rock Retirement Club and get on the waiting list to join the club to help you ease your retirement worries. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN HOT TOPIC SEGMENT [2:12] The sunk cost bias [8:14] You’ll never feel 100% ready to retire PRACTICAL PLANNING SEGMENT [10:56] Wendy is in the pretirement phase of life [13:36] Pretirement is a great way to ease retirement worries [17:01] What do people miss about working? THE HAPPY LAB SEGMENT [22:27] The Rock Retirement Clubhouse construction is going well TODAY’S SMART SPRINT SEGMENT [24:31] Who is in your fab 5? Give them a call! Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Ask Roger a question Work with Roger 3-video Series: 5 Minute Retirement Makeover Roger’s Retirement Learning Center The Retirement Answer Man Facebook Page

The Wealthy Wednesday Show is building a movement to empower Mystic Entrepreneurs. It is our aim to inspire and help heart-centered, goal orientated entrepreneurs to build their dream business, do what they love to do while making this world a better place in the process. Get ready for more money, more freedom and more joy in your life as you are awakened, inspired and transformed. This show is hosted by Luci McMonagle, the Mystic Wealth Creator for Conscious Women Entrepreneurs. I help Coaches, Consultants, & Speakers develop practical skills and bridge those with their Spiritual Gifts. Luci helps you Access Your True Soul Magic, Tap into Your Vision & Connect you with other Leaders for creating an impact in the world. Learn More about Luci at https://LuciMcMonagle.com Kris Miller is a Legacy Wealth Strategist and has spoken on stages across the country for top financial organizations like the US Government Financial Officers Association and Citibank. Kris is the author of the #1 Bestseller, “Ready For PREtirement: Plan Retirement Early So Your Money Is There When You Need It.” She is the Money Maestro,  Senior Advisor and Legal Document Assistant or LDA, and owner of Trusts Unlimited and The Living Trust Institute.  On her website at www.HealthyMoneyHappyLife.com you will discover how you can protect your money, make sure it lasts and be prepared for almost anything that might cause financial hardship as you celebrate the most rewarding time of your life. Free Gift: Download "Your Next Chapter Checklist" to discover what you need to do before you go through any major life transition or change. http://bit.ly/2FGLLwQ

086R | A live-recorded conversation with Roger Whitney, the Retirement Answer Man, from Podcast Movement, questions for a potential accountant, and takeaways from Monday’s live case study with Allison Goddard.   Brad is departing for a month-long family vacation to the U.K. What is “global entry” and how/why did Brad get it before his trip? Jonathan had a chance to meet up with Allison., from Episode 86. If money was no longer an option, what would change for Brad and Jonathan? Brad and Jonathan are super impressed with Allison’s grit and tenacity, to change the trajectory of her life. Sometimes encouragement from someone else is the motivation we need. You don’t have to know where your life is going to go, you just have to get started. How can someone overcome “imposter syndrome”? Voicemail from Angela at Tread Lightly/Retire Early – if Allison’s house is a place that makes her happy and brings her joy, maybe there are other ways that she can adjust her spending to be more efficient. An article in the “Journal of Accountancy” addressing specific strategies for those pursuing financial independence: FIRE-d up for early retirement. At what point is Turbo Tax not sufficient for your taxes? What questions would Brad ask of a potential CPA? Brad and Jonathan participated in Podcast Movement in Philadelphia, and participate in a ChooseFI meetup. Brad is attending a ChooseFI meet up in London as well. A live recording from Podcast Movement, with Roger, the Retirement Answer Man: The tension between wanting to have a good life and wanting to enjoy today never really goes away. Most baby-boomers don’t really want to never work again, but rather they want freedom in their time. What are people running toward in retirement? Instead of comparing retirement to a light switch, think of it more like a dimmer switch. How does Roger talk to someone about making adjustments to move toward the life that you want? Roger’s suggestion for have conversations: go for a walk, or a road trip, or something that creates space and time to have conversation. Pretirement: what can you do now to start setting yourself up for what you want? Strong relationships with your colleagues and superiors can give you the ability to adjust your job to meet your needs. Five things to do with money: Give it away, spend it, pay down debt, save it, or invest it.   Links: U.S. Customs Global Entry Building My Castle Tread Lightly, Retire Early Rock Retirement

The Retirement Answer Man, Roger Whitney, CFP® talks about his book, Rock Retirement: A Simple Guide to Help You Take Control and be More Optimistic About the Future (listen to find out how to get a free copy!) Also, in some states, you may be able to pay your state taxes as a charitable donation and get a tax deduction, but Joe and Al explain why you might want to be careful with that. Plus, 5 hidden taxes that could bite you in retirement, the fellas help a listener make the most of her passive losses, and what’s the latest with the deductibility of home equity loans? Transcript and show notes at http://bit.ly/YMYW-175

Kris Miller is a women's financial advocate and author of "Ready for PREtirement, 3 Secrets for Safe Money and a Fabulous Future." Her company, Legacy Shifters, empowers women to change their families’ financial realities and create incomes they will never outlive. Women must stretch fewer dollars over more years than men, leaving them 80% more likely to wind up in poverty at age 65 and older, according to the National Institute on Retirement Security.This show is broadcast live on Wednesday's at 12PM ET on W4WN Radio – The Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (http://www.talk4radio.com/) on the Talk 4 Media Network (http://www.talk4media.com/).

We need to have a social network in retirement. A good network of friends can help you live your life to its fullest and expand the quality of your life. Retirees with the most robust network of friends are happier, healthier and more engaged than those who are lonely. Your social network doesn’t have to be a huge group of friends. Making new friends will also help you figure out who you are as you enter this new phase of your life. Listen to this episode to hear how to find some great ways to embark on new friendships. Making new friends can help you define who you are Who are you? It is easy to label yourself in your younger years. You are what you do, right? When you hit retirement the previous label you gave to yourself no longer applies. So you need to base your answer on what your interests are and exactly who you really are. Think about how you will spend your time in retirement. These thoughts can help you discover how and where to look for a new circle of friends. Making new friends will help you figure out who you are and who you want to be in this next phase of your life. Listen to this episode of Retirement Answer Man to get an idea of how you can start defining yourself and finding new friends in retirement. Don’t be left lonely On a previous episode, I touched on loneliness and how vulnerable the elderly are to loneliness. Our circle of friends can shrink as we get older as people move away or pass away. Sometimes if our spouse passes away then we can be left even more lonely. Our circles of friends get even smaller as we age and become more sedentary. This is why making a solid friend base early on in your retirement years is vital to combating loneliness as you age. I give some fantastic tips for combating loneliness in your retirement years on this episode of Retirement Answer Man so listen to the full episode to hear them all. How do we make friends in retirement? Sometimes it’s harder to make friends when you’re older. If you’re not in school or working where do you even begin to make friends? One way is to follow your passion. What do you like to do? Passion brings a commonality. If you’re a knitter, join a knitting group. If you’re a reader, join a book club, If you enjoy yoga, hang out after class and get to know other yogis. Get outside. Become a joiner. Make acquaintances first and see if they turn into friendship.People crave human connection and are often looking for new friendships. Build friendships with those that are younger than you and this will support you in the years that lie ahead. Listen to this episode of Retirement Answer Man to hear how you can get out there and make some friends. What can you do in pre-tirement? On the Practical Planning segment, we discuss pre-tirement. Pretirement is that sweet spot when you are still working but maybe not full time. It’s like a dimmer switch, where you plan your life to slowly move from full-time work to part-time work to full-time retirement. The time to think about pre-tirement is while you're still working. Do some research to discover what you might like to do. Research who you want to serve and what problem they are trying to solve and help them solve it. Listen to this episode to find out if pre-tirement is right for you. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [1:22] What is an introvert? HOT TOPIC SEGMENT [4:46] Our circle of friends can shrink as we get older [6:25] How do we make friends during retirement? PRACTICAL PLANNING SEGMENT [14:02] What are some ideas for pre-tirement? [20:58] Can you earn money and defer it to retirement accounts while not having your social security benefits reduced? THE HAPPY LAB SEGMENT [26:29] We define who we are by what we do TODAY’S SMART SPRINT SEGMENT [27:44] Who are you? Resources Mentioned In This Episode BOOK - Building a Story Brand by Donald Miller Pretirement Episode BOOK - Rock Retirement  by Roger Whitney Ask Roger a question Work with Roger 3-video Series: 5 Minute Retirement Makeover Roger’s Retirement Learning Center The Retirement Answer Man Facebook Page Intro music by bensound.com

My listeners have been asking great retirement questions, and this podcast episode is focused on giving answers to some of those. I’m excited today to bring on my awesome sidekick, Nichole, to play the part of the listener and ask the questions. One really important question is whether your financial advisor should have access to your 401(k), including your username and password. While this can be convenient for you and for your advisor, it’s not a good idea and is typically not allowed. Listen to today’s episode to find out why. Important differences in spending cycles for single and two-person households Spending habits change for people, depending on age and household size. The changes in spending habits are important for each household to understand, because they affect planning for retirement. In the Hot Topic section of this episode, I explain why the changes are quite different for single and two-person households, and how each needs to consider how this affects their retirement planning. Listen to find out how spending cycles might affect your household and hear answers to other retirement questions, and then follow up with today’s Smart Sprint and get clear about your financial needs in retirement. Should I lower 401(k) contributions to build up my emergency fund and college savings? Bill is 59 ½ and has all his savings in his 401(k). He puts in 9% with an employer match of 3% and has a son going to college. His retirement question is whether he should lower his contribution to 6% to start building his emergency fund. On this episode, I explain several reasons why it would be a good idea to lower his contributions even further to give him more flexibility in how he makes financial decisions, and Nichole and I have a conversation about whether or not parents should cover college expenses from their retirement account and what other options might be available. When thinking about jobs for pre-tirement, be sure to consider the work environment Mark Miller at careerpivot.com sent in a helpful comment about pre-tirement jobs. He suggests that people carefully consider the physical aspects of the job, such as whether their body can handle walking on cement floors all day. There is also a concern for retirees working in retail environments where the schedules are not given with advanced notice, which creates problems for the time-freedom someone might be expecting in pre-tirement. On this episode, you can hear the details about these considerations, and also get answers to other retirement questions. Listener ideas for pre-tirement Quite a few listeners have chimed in with comments or questions about the pre-tirement episode a few weeks ago. On this episode, we’ll take another look at the math from that show, and demonstrate how numbers significantly lower than the ones we used can still work for you. We’ll also hear the ideas that various listeners have for jobs they would like to do in pre-tirement. Listen in to hear their thoughts and also get answers to other listeners’ retirement questions. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [0:00] Equifax data breach. Action plan - six steps you can take to minimize credit fraud and stay vigilant. [1:02] To get to great, you have to blow up what’s good! [1:44] Intro this episode - listener questions with Nichole Mills. [2:49] Disclaimer - Don’t take financial advice from me on this show. This is tips and education. HOT TOPIC SEGMENT [3:12] Important differences in spending cycles for single and two-person households. PRACTICAL PLANNING SEGMENT [7:17] Bill’s question: Should I lower my 401(k) contribution to start building my emergency fund? [9:47] Should parents consider covering college expenses with their retirement account? [11:47] Should my advisor have access to my 401(k)? [14:08] Mark Miller: When thinking about jobs for pre-tirement, be sure to consider the work environment. [16:16] John: Is the math in the pre-tirement episode a little high to be realistic? [18:36] When is your book coming? [19:26] Ideas for pre-tirement jobs from Michael, John, and others. THE HAPPY LAB SEGMENT [21:51] You can even make a commute happy as long as you are intentional about it. TODAY’S SMART SPRINT SEGMENT [23:33] 7-day goal: Dial in what your financial needs are for retirement RESOURCES MENTIONED IN THIS EPISODE Free Credit Action Plan for those affected by the Equifax breach Episode #183 - How PRE-tirement could save your retirement Ask a question Work with Roger (now accepting new clients) 3-Video Series: 5 Minute Retirement Makeover Roger’s retirement learning center The Retirement Answer Man Facebook page

Pre-tirement is that phase between full-time work and what we think of as traditional retirement, and it could be the key to you having a great retirement. Traditional retirement planning that focuses only on investing just doesn’t work. It doesn’t inspire much confidence or clarity about what your future could be. On this episode, I explain the advantages of pre-tirement and give you some ideas to get you started thinking about it. Listen in to learn why you should consider pre-tirement before retirement! Why is pre-tirement important? Saving and investing for retirement is extremely important. But it is not all of the story. Your nest egg cannot be all of it. It just doesn’t work. As you think about your retirement, consider pre-tirement as part of your plan. It takes some pressure off of the saving mentality and allows you to build a better life when you do reach full retirement. On this episode, I give you a number of reasons why pre-tirement is important, explain the advantages, and suggest ways you can go about it. Listen in and get started on planning your pre-tirement! Pre-tirement offers numerous financial benefits Pre-tirement (thinking of retirement like a dimmer switch) offers numerous financial advantages over full retirement (the on-off switch). On today’s episode, I will explain how pre-tirement benefits you in terms of preserving investments, delaying Social Security, reducing health-care costs, and moderating spikes in post-retirement spending. Listen in to learn what you need to know about pre-tirement and how it could save your retirement! Pre-tirement offers qualitative advantages that you could miss out on with full retirement As you are planning your retirement, qualitative considerations are as important as financial ones. When you treat retirement like an on-off switch, you miss out on a number of qualitative advantages that come with treating retirement like a dimmer switch, by embracing pre-tirement. Join me on this episode to learn about the difference that pre-tirement can make in your social network, your sense of purpose, and in your mental and physical health and motivation. What can I do to start exploring pre-tirement? You want to start planning your pre-tirement sooner than later. On this episode, I describe several steps you can take to get started and provide a few questions you can begin thinking about. Should you stay in your same industry or do something different that you love? How do you go about building a new network? What opportunities should you consider? Listen to this episode of The Retirement Answer Man Podcast for answers to these questions and more. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [0:24] What is pre-tirement? [0:33] Why do I need something different than traditional retirement planning? [2:23] Disclaimer HOT TOPIC SEGMENT [3:04] Why Americans are still not confident or ready for retirement. PRACTICAL PLANNING SEGMENT [5:38] What excites you most about retirement? [7:30] What does pre-tirement look like? [12:24] Why is the pre-tirement phase important? [14:57] Transitioning into retirement is a period of significant change. [15:35] Pre-tirement preserves your savings. [17:29] Pre-tirement allows you to delay Social Security and keep your full benefit. [19:49] Pre-tirement can reduce health-care costs. [21:34] Pre-tirement can help you moderate post-retirement spending. [23:45] Pre-tirement helps you maintain a robust social network. [26:42] Pre-tirement can help you maintain a sense of purpose. [28:25] Pre-tirement supports your mental and physical health. [29:10] Getting started tip #1 - Start planning earlier than later. Questions to ask. [31:09] Getting started tip #2 - Build your networks. [32:19] Getting started tip #3 - Be open to opportunities. [32:50] A few ideas for pre-tirement work TODAY’S SMART SPRINT SEGMENT [34:17] Think about what you might do in a pre-tirement phase. (Share it with me so I can share the ideas on another show). THE HAPPY LAB SEGMENT [35:12] Want to be happy? Focus on how you respond to things. RESOURCES MENTIONED IN THIS EPISODE Book: Built to Sell, by Book: The One-Hundred Year Life by Lynda Gratton and Andrew Scott Martin Miller, Career Pivot Episode 98 with Michael Kitces Ask Roger a question Abe & Louie’s Steakhouse, Boston 3-Video Series: 5 Minute Retirement Makeover Contact Roger Joe Saul-Sehy of Stacking Benjamin’s - hosting podcast meet-up at McFadden’s Anaheim on Tuesday, August 22 at 7:30 pm Six-shot Saturday (Scroll down to a box on the right to subscribe to this weekly e-mail). Roger’s retirement learning center The Retirement Answer Man Facebook page

Kris is the author of the #1 bestselling book, “Ready for PREtirement: 3 Secrets to Safe Money and a Fabulous Future.” She's the founder of Healthy Money Happy Life and she teaches hard-working people like us how to protect our money and ensure that we'll have enough to live well even if we choose to retire. The secrets she has to share are rarely discussed outside the 1%. Get the 5 proven steps to rapidly grow your business, make a bigger impact, and achieve your First Million. Attend the next LIVE First Million Webinar  with international business coach JV Crum III.  Like this Podcast? Then get every episode delivered to YOU!  Subscribe in iTunes Please help spread the word. Subscribing and leaving a review helps other business owners and entrepreneurs find our podcast…and make their big difference. They will thank you for it.   Conscious Millionaire Podcast: With over 500 episodes and 10 Million Listeners in 176 countries, this is the podcast for business owners and coaches who want to grow their businesses, make a bigger impact, and ultimately achieve their First Million! JV interviews the top entrepreneurs, experts, authors, and coaches on how to get the right mindset, develop your business systems, and execute to achieve bigger results, faster!  

Kris is the author of the #1 bestselling book, “Ready for PREtirement: 3 Secrets to Safe Money and a Fabulous Future.” She’s the founder of Healthy Money Happy Life and she teaches hard-working people like us how to protect our money and ensure that we’ll have enough to live well even if we choose to retire. The secrets she has to share are rarely discussed outside the 1%. Get the 5 proven steps to rapidly grow your business, make a bigger impact, and achieve your First Million. Attend the next LIVE First Million Webinar  with international business coach JV Crum III.  Like this Podcast? Then get every episode delivered to YOU!  Subscribe in iTunes Please help spread the word. Subscribing and leaving a review helps other business owners and entrepreneurs find our podcast…and make their big difference. They will thank you for it.   Conscious Millionaire Podcast: With over 500 episodes and 10 Million Listeners in 176 countries, this is the podcast for business owners and coaches who want to grow their businesses, make a bigger impact, and ultimately achieve their First Million! JV interviews the top entrepreneurs, experts, authors, and coaches on how to get the right mindset, develop your business systems, and execute to achieve bigger results, faster!  

An interview with author Kris Miller about her book, Ready for Pretirement, as well as strategies that people can employ now to prepare themselves for the future.

Tough Talk with Tony Gambone and His Guest Kris Miller Kris Miller, #1 Best Selling author of PREtirement: 3 Secrets for Safe Money and a Fabulous Future, known as the “Safe Money Strategist”, has advised over 5,000 families in the past 22 years on retirement and estate planning issues. Kris Miller's awareness of the importance of having a consciousness of abundance. Her high-content, action-oriented direction empowers individuals and families in the specific steps and ways to create and stand on solid ground. With background as an Estate Planning Expert she has expertise in the most important areas of health, financial and social issues that impact everyone. As a Chartered Federal Employee Benefits Consultant and Legal Document Assistant, she has an added wealth of knowledge that informs and provides essential missing information: Name the errors in perception, expose misleading information and lead the way with integrity, like no one else to greater wealth and peace of mind. Her unique way of conveying the information and reputation as a trusty reference in challenging times, sets everyone at ease. Finally, someone provides full comprehension and decisive, clear action to create a major difference in many people's lives.

It’s all on you. When Kris Miller, the Money Maestro, discovered this sad fact, she went on a mission to provide a great retirement for herself and her clients. She put the answers she found into her book, Ready for Pretirement: 3 Secrets for Safe Money and a Fabulous Future. She’s going to let you in on some … Read more about this episode...

Is PRE tirement for You?  3 Secrets 4 Safe Money & a Fabulous Future Kris Miller Topic: Are you ready for PRE tirement?  Author: Ready for PRE tirement? Website: http://www.ReadyForPREtirement.com Now Meet January Jones http://www.januaryjones.com http://www.successimo.com  

How To Be Successful Featuring: Kris Miller Topic: Are you ready for Pre-retirement?  Author: Ready for PREtirement? Website: http://www.ReadyForPREtirement.com Now Meet January Jones http://www.januaryjones.com http://www.successimo.com