Podcasts about retire

Welcome back to the Building Your Money Machine Show! Today, I'm pulling back the curtain on the retirement lie nobody talks about. Forget what you've been told: your salary and net worth aren't what will set you free. If you don't understand cash flow, you are one lifestyle inflation away from a broke retirement—no matter how many zeros you see on your W-2.We'll rip up the traditional playbook and get real about how fortune can vanish overnight if you focus on income instead of what really matters. I'll share wild stories from my years in the trenches (seriously, $11,000 on shoes?!) and break down the three numbers you need to know if you ever want money to work for you instead of the other way around.Ready to ditch stress, guilt, and confusion about money? Let's get you the confidence and clarity you need to build real wealth, not just a big paycheck.IN TODAY'S EPISODE, I BREAK DOWN:The critical difference between income, cash flow, and what I call “freedom cash flow” (this is the number that actually matters for your future)Why even 7-figure earners go broke if they miss this one cash flow principleThe wrong way the retirement industry tells you to plan—and the right way to map out your life and price tag it on your termsHow to start shifting from trading time for money to building income streams that don't need you to show up every dayThe clarity and peace of mind that come from finally tracking the right numbers (trust me, it changes how you live)If you're ready to build a life that outlives you, stop guessing about retirement, and finally master your money—this episode is your wake-up call. Don't miss it!RECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/When Does Investment Income Finally Beat Your Day JobI'm Politely Begging You To Get Good with MoneyEvery Financial Trap Middle Class People Fall Into ExplainedRich People Don't Buy Luxury...They Buy These 8 ThingsPsychology of Families Who Stay Rich For GenerationsRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:When Does Investment Income Finally Beat Your Day Job: https://youtu.be/bRyW3hxzRac I'm Politely Begging You To Get Good with Money: https://youtu.be/tEJ89xF2ZZ0 Every Financial Trap Middle Class People Fall Into Explained: https://youtu.be/kn5nCbd5FOU Rich People Don't Buy Luxury...They Buy These 8 Things: https://youtu.be/clc7oX7VJUQ Psychology of Families Who Stay Rich For Generations: https://youtu.be/phB_2VcYPbA ORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine-a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE CONSTRAINT SCORE DIAGNOSTIC™:Take the free Constraint Score Diagnostic and discover what's really holding you back. In less than two minutes, you'll identify your primary constraint and get a personalized roadmap to reclaim bandwidth, reduce overwhelm, and move forward with greater clarity at http://TheConstraintScore.com

On Retire Right Radio, Host Jeff Jenkins and John Burdette from www.FourthAvenueFinancial.com discuss financial planning for different eras of your life and general strategies. Hear the encore presentation Monday at 1:00pm on our sister station, Charleston Business Radio 95.3 | 680 WKAZ Phone: (304) 746-7977More info: http://bit.ly/2zcZV4e

In 2019, Bill Mauro and Marcus Laurence sold their home in the beautiful woodlands of Pennsylvania's Pocono Mountains and boarded a plane to Portugal with just six suitcases. They initially settled in Lisbon but soon realized they missed the slower pace of country life. That led them to purchase a home in the rural town of Salgueiro da Lomba, in Central Portugal. We first spoke with Bill and Marcus about their new life in Portugal in May 2022 on Episode 83 of Retire There. Seven years after making the move, they still love calling Portugal home. Along the way, they've helped countless others navigate the process of buying a home in Central Portugal. What began as a passion for helping fellow expats has since evolved into a new career as real estate agents. To learn more about purchasing a home in the region surrounding Salgueiro da Lomba, tune in to Episode 226 of Retire There with Gil & Gene. To contact Bill and Marcus about real estate Central Europe, email them at BillAndMarcus@KWPortugal.pt. They are part of the JPVA Real Estate Group. The couple created the Bears and Friends Retiring in Europe Facebook group and their Instagram page is @CasaDaLomba050. #retirethere #portugal #salgueirodalomba #casadalomba #coimbra #bearsandfriendsretiringineurope #centralportugal Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Without a traditional pension, modern retirees face the daunting task of managing their own lifelong income streams. Host Charisse Rivers reveals how a well-structured income strategy allows you to retire on your own terms—even at age 62—without fear of running out of money. Learn how to optimize your portfolio across pre-tax, taxable, and tax-free "buckets" to mitigate risk, minimize tax liabilities, and protect your hard-earned savings. Stop settling for a default retirement; discover how tailored financial design empowers you to enjoy your golden years with complete peace of mind. Like this episode? Hit that Follow button and never miss an episode!

The most dangerous day of your career isn't the day you fail. It's the day the mission that built you changes, ends, or quietly stops pulling you the way it used to.In this episode, Dean Stott walks you through the parachute accident that ended a 16-year Special Forces career he never planned to leave, what the first months were really like once the team, the resources, and the identity all went at once, and the single shift that turned it around. You'll learn why that lost feeling after a win, an exit, or a plateau is completely normal, why it has almost nothing to do with your capability, and the one move most people skip when everything changes. Part one of two. Pour a bourbon and settle in!Topics discussed:Introduction (00:00) Who Dean believed he was in the military (06:15) Why his exit was forced, not planned (06:47) From "rockstar with every asset" to "no longer of any use to us" (13:00) The parachute accident and the six-week limbo (13:34) Losing the physical edge that got him there (14:50) Why some veteran transitions are smooth and others turbulent (15:34) Finding a niche by not competing with his own friends (23:42) The move most people miss: cutting away from the old tribe (24:10) Did you lose your capabilities, or did you lose the target? (29:39) Rearview mirror vs. the windscreen (32:17)Join Scott at the next Business Bourbon & Cigars Leadership Retreat, October 13-15, 2026 in Louisville, Kentucky.The first five people who go to meplusultra.com/BBC50 will receive 50% off their ticket to the Me Plus Ultra Leadership Retreat!Subscribe so you don't miss any episodes:Apple Podcasts: https://apple.co/3SN2fHn Spotify: https://open.spotify.com/show/74bfJL9J2fjevQEvi17ekU YouTube: https://www.youtube.com/@MePlusUltraNetwork/Connect with Me Plus Ultra: https://www.instagram.com/me_plus_ultra/ https://www.facebook.com/MePlusUltra/ https://www.facebook.com/groups/1011061052968028/ https://x.com/Me_Plus_Ultra/Connect with Scott Joseph: https://www.linkedin.com/in/ScottJoseph https://www.instagram.com/scotttjoseph/ https://www.facebook.com/ScottTJoseph/ https://x.com/ScottTJoseph1This episode was produced by Podcast Boutique https://www.podcastboutique.com

We're closing the Vault for a little while, but we're going out on a high

David McKnight addresses one of the biggest fears people have as they approach retirement: "What if I retire right into a market crash?". Not only this represents one of the biggest challenges in retirement planning but it's also one of the reasons why David advocates for protecting yourself from sequence of returns risk.  When it comes to long-term stock market investing, it's important to understand the difference between retirement years and accumulation years. Sequence of returns is the order in which market returns occur in your portfolio.  That order, David stresses, can make or break your retirement unless you've taken steps to prepare your portfolio ahead of time. The danger isn't simply that the market goes down, as markets always recover eventually. The danger is being forced to sell investments while they're down in order to fund your lifestyle.  David touches upon the dot-com collapse and 2008 mortgage meltdown as extraordinarily difficult periods for retirees who only relied on investment portfolios for income. There are two approaches David recommends adopting.  The first one is to build a guaranteed income floor before retirement – ideally 5-10 years before retiring. The role of the guaranteed lifetime income is for it to cover essential expenses so that your lifestyle is no longer entirely dependent on the performance of your stock portfolio. Remember: by living off your guaranteed streams of income you give your portfolio a chance to recover from down years in the stock market. The second approach is the so-called Volatility Shield strategy, which sees a properly funded cash value life insurance – in the form of Indexed Universal Life (IUL) – play a critical role. The first step of the Volatility Shield way is to begin funding an IUL well before retirement with 3-5 years of living expenses covered by day one of retirement. David breaks down the process that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% success rate. The Volatility Shield is a strategy that you can begin implementing much earlier than the guaranteed lifetime income one. You can use guaranteed lifetime income to help cover essential expenses, and an IUL volatility shield to get tax-free liquidity to cover discretionary needs during periods of market downturn. When people ask David "When is the ideal time to reposition money to avoid retiring into a market crash?", he always suggests not to wait for the crash, or to try to predict one, rather to build protection intentionally. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track The Power of Zero: How to Get to the 0% Tax Bracket and Transform Your Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube

If you have ADHD, there's a decent chance the way you motivate yourself is by beating yourself up. The internal spiral that goes: if I mess this up, no one's gonna like me, then I lose the job, then everything falls apart. It works, kind of. Things get done. So you keep doing it, and it costs you every single time.Here's what this episode gets into: that spiral is fuel. Shame turns into fear, fear speeds up your heart, and that jolt is the stimulation your ADHD brain knows best. Which is exactly why you keep going back to it. And it's also why you don't have to.David tells the story of a talk he gives every year, and the spiral that used to come with it: mess this up, lose the job, end up homeless. What he does now instead changes everything. He plans the freak-out. He times it. And when the nerves show up early, he has a line for them. Isabelle has a realization on air about her own spiraling that might be yours too. And Bobby, Isabelle's husband, is in this one, live in the middle of an understudy gig he has to memorize on his own, showing the whole thing actually works.This episode is part of the Something Shiny Summer Replay series, where David and Isabelle are pulling some of their most powerful episodes back into the feed. If you've heard this one, it's worth hearing again. If you haven't, it might be exactly the one you need. Either way, your brain gets something to hold onto this summer.In this episode:Why beating yourself up feels like motivation, and what it's actually costing youThe jungle gym story from David's childhood that explains response cost, and why Isabelle's whole body reacted to itWhat shame does to your heart rate, and why your brain keeps choosing the spiralDavid's plan-the-freak-out system, including the line he says when the panic shows up earlyHow Bobby memorized a lead role scene by scene with no rehearsals and no self-beatingThe three questions Isabelle lands on at the end, and why David says they took him 30 years-------Wait, What's That? Here are some of the terms and people mentioned in this episode explained:Response Cost The part of your brain that understands the future consequences of your actions. David explains it through a childhood story about a jungle gym, a 15-foot jump, and a game of follow the leader nobody would follow. As a kid his brain never ran the math on what could go wrong an hour later. That's the deficit, and it's a very ADHD one.Shame vs Guilt David's distinction: shame is what you feel when other people can see it. Guilt is what you feel when no one can. His example involves peeing your pants in public versus in private, and honestly it makes the whole thing click.The Shame Spiral The internal escalation from one mistake to total catastrophe. Mess up the talk, lose the job, partner leaves, homeless. David maps his out loud, and Isabelle owns being a champion at it. The episode's whole argument is that the spiral is a stimulation source, not a character flaw.The Shame Horse David's name for the freak-out energy once you've scheduled it instead of fighting it. The shame horse is ready to go at the appointed time. Isabelle's translation: you time your shame horse.Simulation Machines Isabelle's term for what our brains are constantly doing: observing, comparing, and measuring ourselves against how the world, television, and everything we've read says a thing should be done. David's counter is the Norman Rockwell Christmas. Is everyone in Tucson doing Christmas wrong? They're not.Robin David's partner, who delivered the line that changed everything: you're not gonna clean a little every day, you're gonna freak out and do all of it the night before while I'm at work, and it'll be done. She was right. David stopped pretending otherwise, and it just gets done now.-------

In this hour, Adam Crowley and Dorin Dickerson react to Aaron Rodgers announcing in a press conference on Tuesday that this upcoming season with the Steelers will be his final season as a QB in the NFL. July 29, 2026, 7:00 Hour

This week, Angela discusses the concept of downsizing in retirement, challenging the notion that it is always the right choice. She shares personal stories and client examples to illustrate the pitfalls of downsizing without a clear purpose, emphasizing the importance of retiring to something meaningful rather than just reducing responsibilities. She also provides practical planning activities to help listeners define their retirement goals beyond financial considerations. Key Takeaways

James Graham, Luke Keary and Charlie White unpack all the biggest issues in the great game of rugby league ahead of a huge round 22 in the NRL! Enquire About Our Studio: https://thebyeround.com/pages/contact Email: thebyeround@gmail.com Ladbrokes: https://www.ladbrokes.com.au/ Hyundai: https://www.hyundai.com/au/ Melrose Health: https://melrosefuturelab.com/products/daily-longevity-stack?utm_source=the_bye_round&utm_medium=podcast&utm_campaign=daily_longevity_stack_campaign Follow The Bye Round On:Instagram: https://www.instagram.com/thebyeround/?hl=enTikTok: https://www.tiktok.com/@thebyeround?lang=enYouTube: https://www.youtube.com/@thebyeroundSee omnystudio.com/listener for privacy information.

From 07/28 Hour 3: Max Scherzer has had a legendary career that spans across several MLB teams. Should the Washington Nationals retire his jersey number at Nats Park?

For many Americans, the idea of retiring before age 59 and a half often seems out of reach, particularly when the bulk of their savings sits in an employer-sponsored 401(k) or 403(b) plan. Traditionally, the tax code penalizes early withdrawals from these accounts. However, the Rule of 55 could open the door to a more flexible, penalty-free early retirement. On this episode, I'll share more about this IRS provision, who qualifies, how to use it wisely, and potential hazards to avoid.   You will want to hear this episode if you are interested in... [00:00] Overview of the Rule of 55 and its relevance to retirement savers [02:20] IRS provision allowing penalty-free withdrawals before age 59½ [05:03] Withdrawing from employer 401k early [07:19] Understanding the Rule of 55 [10:06] Common scenarios where Rule of 55 is useful [12:11] Does not apply if funds are rolled into an IRA    A Deep Dive Into the Rule of 55 The IRS usually limits penalty-free withdrawals from retirement plans until you are 59½. Withdrawals before then typically face a 10% early withdrawal penalty on top of regular income taxes. The Rule of 55 is an exception, allowing people who leave their jobs in or after the calendar year they turn 55 to access funds from their employer's plan without being penalized.   There are several conditions to qualify: You must have left (voluntarily or involuntarily) your employer on or after reaching age 55 within the same calendar year. The funds must remain in the retirement plan of your most recent employer; this rule does not apply to old 401(k)s or IRAs.   Who Qualifies for the Rule of 55? To benefit from the Rule of 55, you must separate from your employer (by retiring, being laid off, or quitting) in the year you turn 55 or later. Importantly, the provision only applies to the plan at your most recent employer. If you have funds in 401(k)s from previous jobs, they are not eligible—unless you move those funds into your current employer's plan before you separate. This rule does not apply to IRAs of any kind.   Strategic Considerations Before Using the Rule Accessing your retirement funds early can provide flexibility, but there may also be drawbacks. Consider the following aspects before making withdrawals:   1. Plan-Specific Rules Not every employer allows post-separation distributions that leverage the Rule of 55. Check your plan document or HR department to confirm eligibility. Some plans may even restrict withdrawals to lump-sum distributions—a move that could trigger a significant tax event.   2. Tax Implications The Rule of 55 lets you avoid the 10% early withdrawal penalty, but income taxes still apply to distributions from pre-tax 401(k)s. If you're withdrawing from a Roth 401(k), only qualified distributions escape taxation, earnings could still be taxed if the account isn't at least five years old or you haven't reached 59½.   3. Returning to Work You can still take penalty-free withdrawals from your old plan and work elsewhere, you just can't return to the same employer and continue penalty-free distributions from that plan.   4. Preserving Your Nest Egg Large or ill-timed withdrawals can erode your investments and disrupt your long-term retirement security. It's crucial to view withdrawals in the context of a potential 25- to 35-year retirement span.   Common Scenarios and Use Cases   Unexpected Job Loss: After an unexpected layoff at age 57, you can supplement your income using penalty-free 401(k) withdrawals until age 59½. Bridging Pension Gaps: If your pension doesn't kick in until 60 but you retire at 56, the Rule of 55 can provide necessary cash flow for those interim years. Semi-Retirement Transitions: Those shifting to part-time work or consulting may use partial withdrawals to cover living expenses while ramping up new income streams.   Using the Rule of 55 requires careful planning and a clear understanding of your plan's rules and your long-term income needs. Before making any moves, consult with a financial advisor to develop a sustainable retirement withdrawal strategy. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Topic no. 558, Additional tax on early distributions from retirement plans other than IRAs   Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Send us Fan MailWhat are Monte Carlo Simulations, what value do they provide pre-retirement, and do they remain valid during retirement?Join me and episode co-host Kevin Lyles, CRPC™️ as we discuss whether Monte Carlo Simulations are still valid during retirement. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

The Journos Brent Read and David Riccio join Charlie White, and the boys are fired up over the Tigers drama surrounding Adam Doueihi and "Vapegate". They unpack the fallout from the past week and address the club's culture issues. Shane Richardson has been linked to another club, Corey Parker has urged Ben Hunt to call time on his career, and Cameron Munster is testing the open market. Find out which club Ready wants him to join, plus we look at the Bears' big new signings. Check out Triple M NRL's Instagram, Facebook, TikTok and YouTube!See omnystudio.com/listener for privacy information.

The Journos Brent Read and David Riccio join Charlie White, and the boys are fired up over the Tigers drama surrounding Adam Doueihi and "Vapegate". They unpack the fallout from the past week and address the club's culture issues. Shane Richardson has been linked to another club, Corey Parker has urged Ben Hunt to call time on his career, and Cameron Munster is testing the open market. Find out which club Ready wants him to join, plus we look at the Bears' big new signings. Check out Triple M NRL's Instagram, Facebook, TikTok and YouTube!See omnystudio.com/listener for privacy information.

Inflation again? Christine Benz over at Morningstar has three questions that tell you exactly how exposed you are - and how much retirees worry about inflation. Then, a listener question from someone one year into retirement who says their pension check feels like it just shrank ten percent - and what they might do to remedy that.  And in our Retire To Something segment, Linda from Ontario, Canada, wanted a job at a cheese shop that wasn't hiring — and she applied anyway. Resources: Morningstar article by Christine Benz: How Much Should Retirees Worry About Inflation? Christine Benz book: How to Retire: 20 lessons for a happy, successful, and wealthy retirement   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

If you've spent decades building a business, leading organisations, or establishing yourself as the go-to expert in your field, retirement can feel like a cliff edge rather than a launchpad. Gordon Callum knows this territory well. He built Changing Point into a respected change management consultancy over 20 years, then realised - during the pandemic - that he'd done almost no thinking about his own retirement. That moment of clarity led to Retiring Point, and this conversation.This one isn't just for people looking ahead to retirement. The themes here - identity, purpose, planning for transitions, and how you invest your time - apply at every stage of a career.✳️ The financial side of retirement gets all the attention, but the non-financial side is what determines whether it's fulfilling - identity, purpose, relationships, and the emotional rollercoaster of the transition all need the same planning rigour you'd apply to a business initiative.✳️ Gordon's behavioural change cycle - awareness, thinking differently, application, and follow-through - transfers directly from change management to retirement planning, including building a rolling 12-month plan towards a clear vision rather than a single grand plan.✳️ Personality type shapes what a good retirement actually looks like. Extroverted thinkers need goals and competition; extroverted feelers need variety and multiple projects; introverted feelers need a cause to align with; introverted thinkers need structure and rhythm.Gordon's Amplifiers✳️ Balance the non-financial with the financial - give real attention to purpose, identity, relationship dynamics, and emotional wellbeing, not just the pension pot.✳️ Retire into something, not from something - spend the 2-3 years before retirement experimenting with projects and possibilities so you have something to run towards from day one.✳️ If you have a partner, create three retirement plans - your own individual plan, theirs, and a shared plan for what you genuinely want to do together. Communicate all three openly.Timestamps00:00 - Introduction and welcome01:55 - Meet Gordon Callum - from Changing Point to Retiring Point04:10 - Why most senior leaders arrive at retirement unprepared05:06 - Identity, purpose, and the non-financial side of retirement07:19 - What does a healthy retirement actually look like?09:07 - The cliff edge vs the easing-off approach12:00 - How personality type shapes what fulfilment looks like in retirement15:50 - What drove the success of Changing Point18:18 - Client acquisition and the long-term client strategy19:59 - The frameworks Gordon has brought from Changing Point to Retiring Point22:27 - The imagination gap and creating a retirement vision24:21 - How you invest your time today builds your future26:01 - The danger of going harder in your final 12 months28:06 - Changing Point to Retiring Point - the shift to a global virtual model30:58 - Amplifier 1: Balance the non-financial with the financial33:06 - Amplifier 2: Retire into something, not from something34:36 - Amplifier 3: Have three retirement plans if you have a partner37:45 - The Retiring Point scorecard and how to connect with Gordon39:11 - Wrap-up and closeIf this episode made you think differently about how you're investing your time right now, hit follow on Apple Podcasts or subscribe on Spotify. A review takes 30 seconds and makes a real difference.----Get your copy of my Personal Brand Business BlueprintIt's the FREE roadmap to starting, scaling or just fixing your expert business.www.amplifyme.agency/roadmap----Subscribe to my Youtube!! Follow on Instagram and Twitter @bobgentleJoin the Amplify Insiders Facebook Community : www.amplifyme.agency/insidersPlease take a second to rate this show in Apple Podcasts. ❤ It will mean a lot to me.

What if crushing your money goals has less to do with finding the perfect formula—and more to do with getting lovingly bullied into taking action today? Bill and Jackie sit down with Bernadette Joy, a first-generation Filipino American who paid off $300,000 of debt in three years, reached her first million, and eventually built a multimillion-dollar portfolio. Bernadette also explains why she believes traditional financial literacy is dead, walks through her C-R-U-S-H framework, and reveals why the final "H" evolved from hustle to healing your money wounds. This episode covers How Bernadette paid off $300,000 of debt and reached her first million The $100-a-day strategy that made an intimidating goal feel actionable Why generating more income only works when you keep and invest the difference How she resisted lifestyle creep while building a seven-figure business Why her paid-off home mattered more emotionally than optimizing every return Her argument that financial literacy should become financial fluency and freedom The five-part C-R-U-SH framework for organizing money and designing an independent life The $1-per-use rule for spending intentionally without guilt How unsubscribing, reducing drama, and creating a peace plan support financial freedom . === SUPPORT  THE  SHOW ===

You may know how much is sitting in your super. But do you know whether it is enough to retire when you want to?  Could you stop work at 60? Would your money last? Or could you already have more options than you realise?  In this Financial Autonomy Essential, Paul explains how to assess whether you are on track for retirement and what the answer could mean for the years ahead.  Because being on track is not only about having enough money. It could mean retiring earlier, reducing your working hours or spending more while you are healthy enough to enjoy it.  Inside this episode:  How to work out whether you can retire when you want to  Why a healthy super balance does not always mean you are on track  The signs you may be able to retire earlier or cut back your hours  What you can still change if your current plan falls short  Why playing it too safe with your super could work against you    NOTE: This episode was originally recorded in 2024. Any contribution limits, tax rules, pension thresholds or other figures mentioned reflect the rules in place at the time of recording and may have changed.  WANT PERSONALISED ADVICE FOR YOUR RETIREMENT PLAN? At Guidance Financial Services, we use detailed financial modelling to show you what your current path could make possible, whether that means retiring sooner, working less or making changes now to improve your position. Book your appointment here.   WANT TO STAY ACROSS WHAT'S MOVING THE MARKETS?: Subscribe to GainingCHOICE, our weekly email unpacking the key headlines and what to pay attention to.  GOT A FINANCE QUESTION FOR PAUL?: Send it to paul@financialautonomy.com.au, and it could be featured in his Ask an Expert column each Sunday in The Age and Sydney Morning Herald.  You can also find all our links here. 

Democratic Congressman James Clyburn turned 86 years old this week. He has no plans to retire. This show was edited by Kasia Broussalian, fact checked by Esther Gim, mixed by Shannon Mahoney, video edited by Christopher Snyder, and hosted by Astead Herndon. Rep. James Clyburn (D-S.C.) announcing he is running for a 18th term. Tracy Glantz/The State/Tribune News Service via Getty Images. You can also watch this episode on ⁠⁠youtube.com/vox⁠⁠. Listen to Today, Explained ad-free by becoming a Vox Member: ⁠⁠vox.com/members⁠⁠. New Vox members get $20 off their membership right now. Learn more about your ad choices. Visit podcastchoices.com/adchoices

New Total Wealth and Wellness Radio episodes post every Saturday.

#735: Cody Berman failed at more than 30 side hustles — from a disc golf manufacturing company to sweaty bike deliveries in the Australian heat — before three of them got him to financial independence at 25. Cody is the bestselling author of Retire by 30, who reached financial independence at 25 by stacking income from real estate, digital products, and the stock market. In this episode, we discuss: How a nest-egg approach to financial independence differs from a cash-flow one A simple framework for sorting any side hustle into one of four types Why calculating real rental cash flow means more than rent minus mortgage Why the gap between what you earn and spend matters more than your returns How a failed side hustle can still hand you a skill that pays off later Why rebuilding an old idea from scratch can prove your skills weren't luck How to know when a side hustle needs more time versus when to quit Whether you're juggling five side hustles or just starting your first one, this episode will help you figure out which ones are actually worth your time — and which ones to let go of. ⏱️ TIMESTAMPS Note: Timestamps may vary slightly depending on dynamic ad placements. (00:00) Meet Cody Berman (03:27) Two paths to FI (05:51) Big piles feel scary (07:09) Cody's FI numbers (08:12) Hustling on the train (11:58) The side hustle graveyard (14:56) Four side hustle types (19:47) The rich own assets (37:17) Biking Uber Eats in Australia (44:20) Skills are future currency (45:33) AI makes doers stronger (52:36) The gap is everything (58:54) Valentine's printables pay off (1:07:54) House hacking slashes costs (1:12:45) Life after FI

The  Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Today, I explain how I intend to die with zero and still retire my children. It's all about Dividend growth investing! Subscribe to the best free dividend investing newsletter: https://thedividendguyblog.com/newsletter Get the 20 income products guide for retirees: https://retirementloop.ca/income/

Rob and Kelvin argue whether Aaron Donald would be making a mistake if he decides to un-retire and play for the Los Angeles Rams. Plus, FOX Sports Radio NFL insider Adam Caplan swings by to discuss the rumors surrounding Donald, Matthew Stafford’s NFL legacy, and much more! Finally, the Odd Couple Crew discusses neighborhood pet peeves in this week’s edition of One’s Gotta Go.See omnystudio.com/listener for privacy information.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3639: Darrow Kirkpatrick explains that a successful retirement depends on more than having enough money, it requires a flexible withdrawal strategy, meaningful ways to spend your time, and a realistic backup plan for financial surprises. He also shares thoughtful advice on leaving your career with professionalism and purpose, helping you prepare for a confident transition into the next stage of life. Read along with the original article(s) here: https://www.caniretireyet.com/the-6-crucial-questions-to-answer-before-you-retire/ Quotes to ponder: "You've got to revisit your expenses, and your assets, and the state of the world, at least annually. You, or an advisor, must personally “drive” your retirement finances. You can't just put them on cruise control." "It is most helpful to long-term happiness if you can identify some retirement activities that are not only fun and recreational, but also creative, productive, and generous." "It is great to make your own hours, to go on vacation whenever you choose, to catch up on your bucket list and all the things you wanted to do when you were younger." Episode references: Reverse Mortgage Information (Consumer Financial Protection Bureau): https://www.consumerfinance.gov/consumer-tools/reverse-mortgages/ Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

The average American will not be able to retire. 50% are going into their golden years with less than $500,000—significantly short of what would even be considered a livable retirement amount. Social Security only has so long before payments begin to get cut, and retiring during a stock market crash, or even a correction, can put you at sizable risk of returning to work.  But one asset can help you retire with less, reach retirement (or even early retirement) faster, and do so without putting your future freedom at risk—real estate. Today, Dave is going to prove why so many of his retirement plans sit on rental properties as a stable base, and how Americans can retire with up to 50% less using real estate, as opposed to stocks and bonds. This flips the entire retirement equation on its head. Now you don't need to bet on the market, you don't need to hope and pray Social Security will exist when it's your turn to collect, and you don't need to hit some sky-high ($4,000,000+) retirement number just to live a comfortable life. This is the faster, and arguably safer, formula for retirement in 2026 and beyond. In This Episode We Cover How to retire with far less using real estate cash flow (instead of selling stocks) How much you actually need to retire in the United States (inflation-adjusted) The real estate retirement framework that gives you better returns, more cash flow, and a simpler path Why 81% of Americans are at risk of never being able to comfortably, confidently retire  The problem with building a cash flow-focused real estate portfolio too early (it will cost you) And So Much More! Links from the Show Join the Future of Real Estate Investing with Fundrise Join BiggerPockets for FREE Join us at the BiggerPockets Conference October 2-4 in Orlando. Buy tickets Sign Up for the Investor Brief Newsletter Find an Investor-Friendly Agent in Your Area How Much Passive Income is Enough to Retire With? Schroders US Retirement Survey Dave's BiggerPockets Profile Grab Dave's Book, Real Estate by the Numbers Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and https://www.biggerpockets.com/blog/on-the-market-445. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Many people assume they have to wait until age 59½ before they can retire because that's when retirement accounts generally become available without the 10% early withdrawal penalty. But in reality, early retirement is often less about how much you've saved and more about how you access your money. In this episode, Tyler Emrick, CFA, CFP® discusses the planning strategies that can help bridge the gap before traditional retirement account access, why saving across different account types creates flexibility, and how thoughtful income planning can make early retirement a realistic option. We discuss: Why age 59½ matters—and why it doesn't necessarily determine when you can retire Planning opportunities including the Rule of 55, 72(t), and Net Unrealized Appreciation (NUA) Why taxable brokerage accounts, Roth IRA contributions, and cash reserves can create flexibility Building a retirement income bridge before Social Security, pensions, and Medicare begin Healthcare planning before age 65, including COBRA and ACA Marketplace coverage Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/ Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/ Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/   Facebook: https://www.facebook.com/TrueWealthDesign/ LinkedIn: https://www.linkedin.com/company/true-wealth-design/ X: https://x.com/truewealthdesgn   Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3639: Darrow Kirkpatrick explains that a successful retirement depends on more than having enough money, it requires a flexible withdrawal strategy, meaningful ways to spend your time, and a realistic backup plan for financial surprises. He also shares thoughtful advice on leaving your career with professionalism and purpose, helping you prepare for a confident transition into the next stage of life. Read along with the original article(s) here: https://www.caniretireyet.com/the-6-crucial-questions-to-answer-before-you-retire/ Quotes to ponder: "You've got to revisit your expenses, and your assets, and the state of the world, at least annually. You, or an advisor, must personally “drive” your retirement finances. You can't just put them on cruise control." "It is most helpful to long-term happiness if you can identify some retirement activities that are not only fun and recreational, but also creative, productive, and generous." "It is great to make your own hours, to go on vacation whenever you choose, to catch up on your bucket list and all the things you wanted to do when you were younger." Episode references: Reverse Mortgage Information (Consumer Financial Protection Bureau): https://www.consumerfinance.gov/consumer-tools/reverse-mortgages/ Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3638: Darrow Kirkpatrick explains that preparing for retirement is less about following a rigid checklist and more about answering a handful of essential questions that shape your financial future. He explores the importance of understanding your living expenses, healthcare options, savings target, and withdrawal strategy, offering a practical framework that can help you approach retirement with greater confidence and clarity. Read along with the original article(s) here: https://www.caniretireyet.com/the-6-crucial-questions-to-answer-before-you-retire/ Quotes to ponder: "Unless you're fantastically wealthy, it's simply impossible to prepare for retirement without knowing how much it will cost you to live each month." "The bad news is this simple truth: nobody can predict the future." "The good news is that you can achieve enough certainty to make a decision." Episode references: Social Security Administration: https://www.ssa.gov/ COBRA Continuation Coverage: https://www.dol.gov/general/topic/health-plans/cobra Learn more about your ad choices. Visit megaphone.fm/adchoices

In the 9am hour, the WIP Morning Team continues hearing postgame comments from everyone involved in the boneheaded baserunning gaffe involving JT Realmuto, Justin Crawford and Brandon Marsh. They also analyze a new USA Today story that insinuates that Zack Wheeler may have more than just two seasons left in him, just as he alluded to last offseason.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3638: Darrow Kirkpatrick explains that preparing for retirement is less about following a rigid checklist and more about answering a handful of essential questions that shape your financial future. He explores the importance of understanding your living expenses, healthcare options, savings target, and withdrawal strategy, offering a practical framework that can help you approach retirement with greater confidence and clarity. Read along with the original article(s) here: https://www.caniretireyet.com/the-6-crucial-questions-to-answer-before-you-retire/ Quotes to ponder: "Unless you're fantastically wealthy, it's simply impossible to prepare for retirement without knowing how much it will cost you to live each month." "The bad news is this simple truth: nobody can predict the future." "The good news is that you can achieve enough certainty to make a decision." Episode references: Social Security Administration: https://www.ssa.gov/ COBRA Continuation Coverage: https://www.dol.gov/general/topic/health-plans/cobra Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on the show - Jemma Slingo is here to tell us what it takes to bridge the gap between retirement and State Pension. How can you reproduce the income the State Pension provides and retire earlier? Ed Monk is joined by Jemma Slingo to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

Jamie Pollard announces on the 365 Sports' "Smoak Show" that he plans to retire before basketball season. What does that mean for Iowa State? Plus, Jake Brend previews offensive coordinator Tyler Roehl and defensive coordinator Jesse Bobbit's interview with Chris Williams that will air Wednesday. Presented by Fareway Meat & Grocery in the Northwest Bank Studios. Learn more about your ad choices. Visit megaphone.fm/adchoices

Schedule a Free Financial Assessment with an experienced professional:https://purefinancial.com/lp/free-assessment/?utm_source=captivate&utm_medium=podcast&utm_campaign=free-assessment&utm_content=ymyw-pod-ep591-description-free-assessmentB and S in Maryland are in their mid-40s with $425,000 and a couple of rental properties. Can they retire early at 62? Vee in Oregon came to the US as a refugee with nothing and built a three and three-quarter million dollar portfolio from the ground up. Is his Roth conversion plan solid? And finally, Chandler and Monica in Texas are sitting on $1.4 million and hope they can walk away from work in 3 years. Will Roth conversions keep the tax man from taking a giant bite on their way out? That's all today on Your Money, Your Wealth® podcast 591 with Joe Anderson, CFP® and Big Al Clopine, CPA.Free Financial Resources in This Episode: https://bit.ly/ymyw-591 (full show notes & episode transcript)Withdrawal Strategy Guide - free downloadhttps://purefinancial.com/white-papers/withdrawal-strategy-guide/?utm_source=captivate&utm_medium=podcast&utm_campaign=whitepaper-withdrawal-strategy-guide&utm_content=ymyw-pod-ep591-description-whitepaperThe Number One Spending Mistake Ruining Retirements - YMYW TVhttps://purefinancial.com/ymyw/episodes/number-one-spending-mistake-ruining-retirements/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep591-description-tv-s12e01Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:57 - Half a Million and Rental Properties in Our Mid-40s. Can We Retire Early? (B & S, Westminster, MD)12:48 - Refugee to $3.75M: Is My Roth Conversion Plan Actually Solid? (Vee, OR)25:55 - Can Friends with $1.4M and a Roth Conversion Puzzle Retire in 3 Years? (Chandler & Monica, TX)33:05 - Outro: Next Week on YMYW Podcast

The best moments from this week's Vinney & Beau Show — all in one power-packed highlight reel! ⚡   Dick Van Dyke just turned 100 — and he's still hitting the gym 3 times a week, refusing to hold hate, and treating retirement as a joke. In these highlights, Vinney Chopra and Beau Eckstein break down the habits that build a long, purposeful, abundant life.   Highlights include: ✅ Stay relentlessly optimistic — the #1 longevity habit ✅ Refuse to hold hate: "Anger eats up a person's inside" ✅ Gym 3x a week at 100 years old ✅ Harvard's biggest predictor of a long, happy life: social fitness ✅ Your morning choice: problem deals vs. opportunities ✅ "If you ain't growing, you're dying" ✅ Why your health makes everything else worth it: mind, body, soul ✅ Fridays don't slow you down — they set up your winning week  

• (00:00) The guys go to the phones for your thoughts on Tom Brady and his antics right now. .• (8:24) Zo, Beetle, and McKone go through Belichick's schedule at UNC this season and wonder if things will only get worse for him at UNC..• (22:35) The guys go to the phone lines for your thoughts. .• (33:25) Today's Takeaways.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For many retirees, their home isn't just a place of comfort, it's one of the largest assets on their balance sheet. However, beyond the emotional value and the years of accumulated equity, there's an often-overlooked reality: selling your primary residence can bring an unexpected tax bill. If you're contemplating a sale or want to ensure you're planning wisely, understanding the IRS's primary residence capital gains exclusion is essential. On the show this week, I break down what this exclusion means, who qualifies, how to maximize its benefits, and the critical planning steps to avoid a nasty tax surprise.   You will want to hear this episode if you are interested in... [00:00] Understanding capital gains exclusion [03:52] Capital gains exclusion requirements [07:40] Reducing taxes on home sale [11:31] Calculating capital gains tax [14:57] Impact of capital gains on IRMAA   The Primary Residence Capital Gains Exclusion Thanks to the IRS, many homeowners can exclude a substantial portion of the capital gains realized from the sale of their primary residence. Single tax filers can exclude up to $250,000 of gains while married couples filing jointly enjoy up to a $500,000 exclusion. In practical terms, this means if your gain from selling your home stays within these thresholds, you may owe no federal tax on that profit.   Who Qualifies for the Exclusion?  Before assuming you'll benefit from this significant tax break, it's important to meet all IRS requirements:   1. The Ownership and Use Test: You must have lived in the home as your primary residence for at least two of the five years preceding the sale. These years don't need to be consecutive, but they must total at least 24 months within the five-year window.   2. Exclusion Frequency: You cannot have claimed the exclusion on another home sale within the past two years.   3. Acquisition History: The property generally cannot have been acquired through a 1031 like-kind exchange in the previous five years.   Special Rule for Widows and Widowers: If you've recently lost your spouse, you may still qualify for the full $500,000 exclusion if you sell within 24 months of your spouse's passing, don't remarry during this period, and have satisfied the other ownership and use requirements.   Why More Homeowners Now Face Capital Gains Taxes Home values have seen record appreciation over the last three decades, but the exclusion thresholds haven't changed since 1997. A homeowner who bought in their 20s or 30s might now find that decades of appreciation have pushed them well beyond the exclusion limits—and into taxable territory. If your gains surpass the exclusion, any additional gains are taxed either as short-term (if you've owned the home for a year or less) or, more commonly for longtime owners, as long-term capital gains (taxed at 0%, 15%, or 20% depending on your income).   Maximize Your Savings: Track and Increase Your Cost Basis One of the most effective strategies to reduce your taxable gain is to properly track and boost your home's cost basis. Your cost basis starts with your original purchase price and is increased by certain acquisition costs (settlement fees, title insurance, legal fees, etc.). Most importantly, capital improvements—such as room additions, roof replacement, major kitchen or bath remodels, or HVAC system upgrades—can be added. Routine maintenance and minor repairs generally don't increase your basis, so keeping thorough records of major projects and associated costs is crucial. Medicare Premiums and Tax Strategy Selling your home and realizing a large capital gain may bump you into a higher Medicare premium bracket, known as IRMAA, which can affect your Part B and Part D premiums a couple of years after the sale. This makes it essential to coordinate a home sale with your overall income strategy and consult both a financial advisor and CPA before listing your home. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  National Association of REALTORS® Avoid These 7 Scenarios to Keep Your Medicare Premiums Lower In Retirement #313 2026 Medicare Part B Premium Surprises, #282  7 Ways to Lower Your Income and Avoid the IRMAA Medicare Surcharge, #142      Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

Personal finance journalist Brian O'Connor discusses his recent New York Times article "You're About to Retire. What Are You Doing for the Next 20 or 30 Years?" and explores how retirement planning is pivoting from a focus on the numbers to an emphasis on the lifestyle you want, noting that too many people miss out by putting the math first. O'Connor discusses how and why financial planning has changed, noting that previous generations were so focused on taking over responsibility for their retirement savings as pensions were phased out that they didn't consider what retirement meant beyond having no active paycheck. Allison Hadley, an analyst at Digital Third Coast, discusses a survey she did for American Home Shield looking at cost-of-living concerns for homeowners, which found that nearly half are primarily "enjoying their mortgage" this summer, cutting back on travel and socializing to deal with rising costs for gas, groceries and electricity. More than half of the homeowners surveyed worry that inflation is ruining their summer. Plus, in The Book Interview, Jack Schwager discusses his recent addition to his long-running "Market Wizards" series, discussing "Market Wizards: The Next Generation: The World's Top Young Traders Reveal How They Beat The Market."

Send us Fan Mail"The world is a book, and those who do not travel only read a page."    — St. AugustineIf traveling when demand is highest, the trip cost is also highest.  If traveling when demand is lower, the trip cost is less. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Do you really need $1 million to retire comfortably, or is that number distracting you from what matters most? Kevin Madden explores why retirement success may depend more on income planning than hitting a specific savings target. He discusses alternatives to the traditional 4% withdrawal rule, the role of guaranteed income strategies, managing market risk, evaluating portfolio allocations, and preparing for potential Social Security challenges. Kevin also shares real-world examples of retirees who uncovered hidden risks and improved their retirement income through a more comprehensive financial plan. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

What if we told you that regardless of where you are in life, you're just 10 years (or less) away from retirement? Our guest today doesn't just believe it's possible ... he's living proof that it can be done. In this episode, Ryan Lee joins Robert Helms to share his journey, the lessons he learned, and the strategies that helped him achieve financial freedom through real estate investing. This isn't about overnight success or a get-rich-quick scheme ... it's about breaking paradigms, applying proven principles, and understanding what's possible when you approach investing strategically. Plus, we'll head to the Peach State for this episode's Market Spotlight to discover whether Savannah's real estate market is ripe for the picking. Tune in for an inspiring conversation about real estate, wealth creation, and the pursuit of financial freedom.

Many people dream of becoming an airline pilot, while many pilots eventually dream of retiring early. Retiring at 55 offers more time for family, travel, hobbies, or a new chapter outside aviation, but it is not simply an age decision. It is a financial and lifestyle decision.In this episode of A Wiser Retirement® Podcast, we discuss what pilots need to consider before leaving the cockpit 10 years before mandatory retirement.Related Podcast Episodes: Ep 259. What Pilots (& Others) Should Consider 5 Years Before Mandatory RetirementEp 322. How Airline Pilots Can Make the Most of Their Profit-Sharing BonusRelated Financial Education Videos:Will New Aircraft Technology Boost Pilot Pay?What Would a Change in FAA Retirement Age Mean for Pilots?Learn More:Founded in 2001, Wiser Wealth Management is a fee-only fiduciary financial planning and wealth management firm helping individuals, families, and business owners make informed financial decisions.Have questions about your financial plan? Schedule a Complimentary Consultation to discover how we can help you achieve financial freedom.  Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, and the tax impact on inheritance, and more!Stay Connected:Follow Wiser Wealth Management on Social Media: Facebook | Instagram | LinkedIn | TwitterSubscribe to A Wiser Retirement® YouTube Channel for more financial education videos and podcast episodes. This podcast was produced by Wiser Wealth Management. Thanks for listening!

D-Lo spends hour one talking about some moves made in the NBA and is joined by Eddie Gonzalez.

Can the right habits really carry you to 100 — and beyond?

Ramit Sethi of I Will Teach You To Be Rich talks to Meg and Jo, a married couple in their 60s with more than $6 million in net worth, strong incomes, and a retirement problem that is not really about money. Meg is ready to stop working. Jo wants to retire too, but feels terrified of making the wrong decision and carrying the responsibility for their investments alone. Despite having millions, speaking with financial advisors, and living well below their means, they remain stuck between fear, resentment, and “vibes.” A special thanks to Facet for sponsoring this episode. As of the date of this recording, Facet is waiving their enrollment fee for new annual members, and for Ramit's audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Facet is a SEC registered investment advisor. Ramit is not a member of Facet, and has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome. In this episode we uncover: • Why Meg feels entitled to retire and Jo feels alone carrying the financial responsibility • How Jo became the financial gatekeeper in their relationship • Why Meg has avoided learning the details of their investments • How different childhood experiences with money shaped their fears • Why Jo's experience during the 2008 financial crash still affects her decisions today • How emotional labor around money can quietly create resentment in a marriage • Why their disagreement about renovating their home is really about control and security • What their $6.1M net worth, pension, investments, and spending actually allow them to do • Why working longer could leave them with $14M they may never use • The three retirement scenarios that show they can retire sooner than they thought • Why Ramit says Meg needs to “step into her wealth” • What Meg and Jo decided after seeing the numbers clearly Chapters: (00:00:00) Introduction (00:02:26) Meg wants to retire, but Jo is hesitant (00:05:40) How Jo became the financial gatekeeper (00:10:19) “I wish you were a partner” (00:19:18) Why Jo is scared to manage retirement alone (00:27:22) Jo's scarcity mindset and family history (00:41:02) Renovating the house reveals deeper resentment (00:46:46) “What do you base that on?” “Vibes.” (01:01:24) The 2008 crash and Jo's fear of losing security (01:04:57) Their Conscious Spending Plan (01:09:07) “I spent for dopamine. I gambled like an addict.” (01:16:57) They have enough money but do not believe it (01:19:22) Three retirement scenarios (01:30:01) Why Meg thought Jo was saying they could not retire (01:30:49) “God, I wish you were a partner” (01:32:38) Choosing their retirement timeline (01:36:07) Creating a retirement paycheck (01:40:48) What happens if one of them dies? (01:48:21) Meg and Jo's follow-up (01:49:54) “We have more money than time” This episode is brought to you by: MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Fabric by Gerber Life | Go to meetfabric.com/RAMIT and apply today, risk-free LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT NetSuite | If your revenues are in the seven figures, go to https://netsuite.ai/ramit to try NetSuite Next for free Ready to stop wondering where your money goes and start building your first $100K? Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

I'm 55, work a physically demanding job, and would like to retire in two years. Do I have enough saved to make it happen?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Please fill out this short survey. Go to: ⁠⁠⁠⁠⁠⁠unpacked.bio/podsurvey⁠⁠⁠⁠⁠⁠. We want to hear from you! Noam sits down with Haviv Rettig Gur in Jerusalem to unpack why Israel feels like a tinderbox, whether it's time to retire the word "Zionism," the debate over Palestinian identity, and what the future holds for the US Israel alliance. Fresh off three intense days traveling the country, from the Gaza border to Jerusalem's Old City, Haviv challenges assumptions on the left and the right, offering a provocative look at where Israel is headed. This episode of Unpacking Israeli History is sponsored by Andrea & Larry Gill and is in memory of Leo M. Bernstein. To sponsor an episode or to be in touch, please email noam@unpacked.media. Check out our episodes on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠.⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This podcast is brought to you by Unpacked, an OpenDor Media brand. ------------- For other podcasts from Unpacked, check out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jewish History Nerds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Soulful Jewish Living⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Stars of David with Elon Gold ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wondering Jews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

That $100 you had in 2020 only buys $77 worth of goods today. Here is exactly how much more expensive every single category of your life has become since then.

If you're in your 40s, or even 50s, and think it's too late to build a comfortable retirement, think again. We've done the math, we've crunched the numbers, and we've run the playbook ourselves—using rental properties, you can replace a significant portion of your income in just around a decade. Today, we're sharing the exact strategy to get you there.  Most retirees have a small sum in savings and a Social Security check to count on in retirement. But what if you want more income to travel, experience, or donate as you see fit? Even if you feel like the retirement timeline is closing in on you, you have options, but you'll need to follow a plan.  In this episode, I'm walking through exactly how to go from no rentals to comfortable retirement in around a decade, and how someone in their 40s or 50s can do it easier than someone in their 20s or 30s! I'll share the multiple strategies you can take, the exact math that proves the system works, overlooked ways to fund your investments, and how to use your small, powerful real estate portfolio to retire, or even retire early! In This Episode We Cover The six steps to take you from no retirement to plentiful passive income  The massive advantages 40+ year-olds have over younger investors  Which real estate strategy works best for you and your stage of life  How to fund your down payment with savings, home equity, 401(k)s, and more A step-by-step walkthrough of analyzing your first rental property (the right way)  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1302⁠⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices