Podcasts about retirees

Could you be spending more in retirement than you think? On this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase dig into new research on retiree spending, a possible comeback for pensions, and a wide-ranging batch of listener questions about saving, investing, and planning for the future.   ·       Explore research suggesting many retirees may underspend, and why money that arrives as an income stream may feel easier to spend than money pulled from savings. ·       Climb the "yield ladder" and see how dividends and interest from different types of investments may factor into retirement income. ·       Examine why more employers seem to be offering pensions again, and how cash balance plans may differ from traditional pensions. ·       Unpack where extra cash flow may go once the mortgage is paid off, from Roth 401(k) catch-up contributions to brokerage accounts. ·       Learn when a 529 plan may be "enough," and how Trump accounts and future Roth conversions may fit into a child's long-term savings. ·       Review how withdrawals from a 403(b) with both pretax and Roth money may be taxed. ·       Compare investing a lump sum all at once versus dollar-cost averaging over time. ·       Follow how the U.S. government and Federal Reserve may add money to the system, and what that may have meant for post-COVID inflation. ·       Discover options for people aging alone, including financial powers of attorney, professional fiduciaries, and trust companies.   From Jean Chatzky's new book on retiree spending and pensions to 529s, Roth conversions, and estate planning, Wes and Christa take on some of the money questions many listeners may be facing. Listen and subscribe to the Retire Sooner Podcast for more educational conversations about retirement planning, investing, and financial independence. Learn more about your ad choices. Visit megaphone.fm/adchoices

One of my favorite parts of serving retirees and pre-retirees is the perspective they share with me. Over the years, my retired clients have passed along wisdom that I'm grateful to share with those preparing for their own next chapter.Whether it's a sabbatical, phased retirement, full retirement, or even another career altogether, here are 6 things to ponder as you begin mapping out your back 9. I hope you enjoy it.-KevinConnect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and shouldnot be considered as tax, legal or investment advice.

After a year of sitting across from federal employees within a couple of years of retiring — different agencies, different balances, different ages — the same two fears came up almost every single time. And they aren't really two fears. They're one, wearing two coats. This is what retirement planning actually looks like when you get past the account balance.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- The question people ask out loud — and the one they actually mean, about 20 minutes in- Fear #1: a tax bill on a schedule you don't control, and the IRMAA surcharge with a two-year lookback- Fear #2: "do I have enough?" — and the arbitrary target most people never chose- Why these two fears are actually the same fear- What eleven federal employees said, in their own words- Why a written retirement income plan is what turns both into arithmeticWhich one is louder for you right now — reply 1 for taxes or 2 for running out

Questions about workforce reductions and pay are capturing headlines across government. But federal employees and retirees are also focused on longer-term issues ranging from artificial intelligence to the future of Social Security. Joining me with takeaways from the annual NARFE conference is John Hatton, Staff Vice President for Policy and Programs at NARFE.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Could inflation quietly drain hundreds of thousands from your retirement? Oklahoma pensions are already split on who gets COLA increases, and healthcare costs alone can top six figures. Discover the diversification strategies that could protect your nest egg. To learn more, visit https://www.meliagroup.com/retirement-financial-planning/ Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Fall is here, but interest rates aren't falling. On this episode of the Money Matters Podcast, Wes Moss and Jeff Lloyd look at why the 10-year Treasury yield climbed above 5% and what higher rates may mean for investors, savers, and retirees. ·       Analyze the jump in the 10-year Treasury yield and why stocks don't always like a strong economy. ·       Explore the latest manufacturing PMI and GDPNow data, and how market expectations for Federal Reserve policy have shifted since the start of 2026. ·       Track CPI and PCE inflation, and why the Fed may be watching one measure more closely than the other. ·       Consider how the competition for capital between stocks and bonds may influence markets when yields reach new levels. ·       Examine why bond yields are near their highest point in about 20 years and how mortgage rates back above 7% may affect the housing market. ·       Unpack how the Treasury, major banks, and the Federal Reserve work together to expand the money supply, and how pandemic-era stimulus contributed to inflation. ·       Discover research from Jean Chatzky's new book, The Forever Paycheck, suggesting many retirees may underspend in retirement. ·       Learn why income may feel easier for retirees to spend than assets, and how the growth plus incomeequation may factor into total return. ·       Climb the Yield Ladder to see the range of dividend, interest, and distribution income available in today's market. ·       Review how the S&P 500 has historically performed in the 12 months following midterm elections, remembering that past performance does not guarantee future results. From rising rates and inflation to retiree spending and income investing, Wes and Jeff unpack what a shifting market may mean for your portfolio. Listen and subscribe to the Money Matters Podcast for more educational conversations about the economy, investing, and retirement.

We spend decades saving for retirement, but what happens when it is finally time to spend that money? In this episode of Nurturing Financial Freedom, Ed Lambert and Alex Cabot of Birch Run Financial explain the retirement spending paradox. Many people who successfully accumulate retirement savings have difficulty spending those savings once they stop working. After years of living below their means, investing consistently, and avoiding unnecessary expenses, they struggle to shift from saving to spending. The challenge is both financial and psychological.Ed explains that retirement spending typically changes as people age. The early years, often called the "go go" years, are generally the most active. Retirees have more time to travel, pursue hobbies, visit family, and enjoy experiences they previously put off. During the "slow go" years, activity and discretionary spending often decrease. Eventually, the "no go" years may bring substantially lower spending on travel and entertainment, although healthcare and caregiving expenses can increase. Understanding these phases is important because retirement spending rarely follows a straight line. Money may provide greater enjoyment during the early years, when retirees have the health and energy to use it.Alex identifies two ways a retirement plan can fail. The first is running out of money. The second is reaching the end of retirement with substantial savings but regretting missed opportunities. Financial planning should address both possibilities. A conservative plan accounts for investment returns, inflation, longevity, and market risk. When those factors have been considered, retirees may discover that they can comfortably afford expenditures they previously thought were irresponsible.This creates what Alex calls the permission to spend problem. A retiree might ask whether a $20,000 vacation is affordable even when financial projections show that the expense would have virtually no effect on the plan. The real question is often whether spending that money is acceptable. A financial advisor can help bridge the gap between understanding the numbers and feeling comfortable using the money.Alex also emphasizes the importance of identifying what retirement savings should accomplish. Leaving an inheritance is a worthwhile objective for many families, but accumulating wealth out of fear is different from intentionally building a legacy. Retirees may find greater satisfaction in helping children purchase homes, contributing to grandchildren's education, taking family vacations, or supporting charitable organizations while they can still see the impact of those gifts. Qualified charitable distributions can also provide tax advantages for eligible retirees.Market volatility adds another challenge. Spending can feel comfortable when investment accounts are growing and much more difficult when markets decline. Maintaining appropriate liquidity, choosing a suitable asset allocation, and stress testing a retirement plan can help retirees remain confident through market fluctuations.Ultimately, retirement planning requires balance. Spending beyond a sustainable budget creates financial risk, but excessive caution can prevent retirees from enjoying the life they spent decades preparing for. A well constructed financial plan can help determine when spending is appropriate and give retirees the confidence to use their savings intentionally. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536Any opinions are those of Ed Lambert Alex Cabot, financial advisors, RJFS, and Jon Gay, and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. Holding bonds to term allows redemption at par value. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise.Risk Considerations:There are special risks associated with investing with bonds such as interest rate risk, market risk, call risk, prepayment risk, credit risk, reinvestment risk, and unique tax consequences. To learn more about these risks and the suitability of these bonds for you, please contact our office.Bonds are subject to risk factors including:Default Risk - the risk that the issuer of the bond might default on its obligationRating Downgrade - the risk that a rating agency lowers a debt issuer's bond ratingReinvestment Risk - the risk that a bond might mature when interest rates fall, forcing the investor to accept lower rates of interest (this includes the risk of early redemption when a company calls its bonds before maturity)Interest Rate Risk - this is the risk that bond prices tend to fall as interest rates rise.Liquidity Risk - the risk that a creditor may not be able to liquidate the bond before maturity.Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190.Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What does it really take to build a fulfilling retirement in Mexico? For Amy Sedgwick, the journey started with a five-year plan, a love for Mexican culture and language, and a desire to create a new chapter filled with adventure and purpose. In this episode of Live by Design - Mexico Edition with Taniel Chemsian, Taniel Chemsian sits down with Amy Sedgwick to hear how she went from Portland, Oregon, to building a new life in Mérida, Mexico. With years of experience as a real estate broker in the Northwest, Amy brought valuable knowledge to her own journey of buying and renovating properties in Mérida's Centro. Amy shares the realities of moving abroad, including the challenges she encountered with property titles and the lessons she learned while navigating real estate in Mexico. She also talks about what drew her to Mérida and how the city's culture, arts scene, expat community, and healthcare helped shape her experience. In this episode, you'll discover: How Amy created a five-year plan for her retirement in Mexico Why she chose Mérida as the place to build her new life Amy's journey from Portland, Oregon, to Mérida, Mexico What her background in real estate taught her about buying property in Mexico Her experience buying and renovating multiple properties in Mérida's Centro Some of the challenges involved with property titles in Mexico What it's like navigating the realities of home buying in Mexico How Amy built community and found a new sense of purpose after moving abroad Why Mérida's culture and arts scene appealed to her Her experience with the expat lifestyle in Mérida The role of healthcare in creating a fulfilling retirement in Mexico What she learned from the highs and lows of international relocation Key Moments:  00:00 Introduction to the Mexico Podcast 03:56 Practicing gratitude and mindfulness 09:02 House hunting challenges abroad 09:55 Sticking with a real estate agent 13:08 Real estate paperwork issues 17:41 Real estate deal setbacks 21:38 House renovations and YouTube updates 24:15 Checking out local events 27:58 Retirees moving to Mexico for lifestyle   Amy's story offers a firsthand look at what it can mean to retire in Mexico and intentionally design a new life abroad. From planning and property ownership to community, culture, and everyday life, her experience provides valuable perspective for anyone considering moving to Mexico or retiring in Mérida. If you're thinking about building your own future in Mexico, this conversation offers practical lessons and an honest look at the opportunities and challenges that can come with starting a new chapter in another country. How to contact Amy Sedgwick:  WEBSITE: https://amyscasa.com/ EMAIL: Amy@AmysCasa.com YOUTUBE CHANNEL: https://www.youtube.com/@DestinationRetirement Feeling overwhelmed about buying in Mexico? Chat TCP, our AI-powered assistant, guides you to stress-free homeownership. Click here to start using Chat TCP: https://tanielchemsian.com/chat-tcp/?utm_source=youtube_lbd_mex   Want to own a home in Mexico? Start your journey with confidence - download your FREE “Buyer's Guide” now for expert tips and clear steps to make it happen! Click here - https://tanielchemsian.com/buyers-gui...   Discover why everyone is falling in love with Puerto Vallarta real estate: https://tanielchemsian.com/puerto-vallarta-real-estate/   Join the ‘Taniel Chemsian Properties' YouTube channel to learn what you need to know about Puerto Vallarta real estate. https://www.youtube.com/@TanielChemsian   Join our ‘Live By Design: Mexico Edition' podcast: Apple: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/0VfClD5... Amazon: https://music.amazon.com/podcasts/032... YouTube: https://www.youtube.com/@livebydesignmexicoedition   Contact Information: Email: info@tanielchemsian.com Website: https://tanielchemsian.com/ Mex Office: +52.322.688.7435

Michael Pento, president and founder of Pento Portfolio Strategies (PPS), returns to The Julia La Roche Show to warn that the U.S. faces what he calls a "triumvirate of bubbles" in equities, real estate, and credit, all inflated at once for the first time in history. He argues that years of persistent inflation, soaring national debt, foreign creditors stepping back from Treasuries, and the unwinding of the yen carry trade are pushing bond yields higher, and that rising rates will ultimately burst all three bubbles. For the first time since 2021, Pento gives a timeline: he expects 2027 to be a very difficult year as the Fed under Chair Kevin Warsh hikes rates and slows balance sheet growth, putting it in direct conflict with Treasury Secretary Scott Bessent's efforts to hold down long-term yields. Pento explains why he reluctantly uses the word "depression," why the traditional 60/40 portfolio could fail retirees, and why he believes the Fed will eventually return to money printing, triggering a prolonged era of "hyperstagflation." He also shares how he's positioned today, still net long, with short-term Treasuries, dividend payers, and precious metals, while watching credit markets closely because "the clock is ticking."Thank you to our partners Augusta Precious Metals — To learn more, visit https://juliabuysgold.com/ or text “Julia" to 35052Monetary Metals - learn more at https://www.monetary-metals.com/julia/Links: https://pentoport.com/ https://twitter.com/michaelpento0:00 Cold open: "With reluctance, depression"0:19 Welcome back, Michael Pento0:59 The macro picture: 5+ years of inflation crushing consumers4:16 Insolvency, foreign creditors & the yen carry trade unwind8:15 Sponsor: Monetary Metals10:06 The "triumvirate of bubbles": stocks, real estate & credit14:40 Not a perma-bear: 35 years in the business15:18 Pento's first timeline since 2021: why 202720:08 The forgotten middle class & why the pain is necessary21:39 Sponsor: Augusta Precious Metals23:12 Warsh vs. Bessent: are the Fed and Treasury at odds?24:43 Who wins? "The free market always wins"25:43 Why he's calling it a depression, not a recession28:26 Retirees beware: the danger of the 60/40 portfolio33:02 Where to hide in "hyperstagflation"34:48 How Pento is positioned right now (still net long)39:19 Is there hope on the other side?42:32 The biggest risk nobody's watching: long-term rates43:33 Record debt, private credit & "this is not normal"46:28 How to follow Michael Pento

Sean Kneale from Hollywood Racks - 50 Years of Getting Bikes to the TrailheadIf you ride, you need a rack you can trust. This week I'm talking with Sean Kneale, National Sales Manager at Hollywood Racks.Hollywood Racks has been designing and engineering quality bike racks since 1973 as a family owned and operated business, and is known as a trailblazer in racks for cars, trucks, SUVs, and electric bikes with 50 years and three generations of ownership. What began as a small bike shop in Hollywood, California evolved into a global trailblazer in designing high-quality bike racks for cars, trucks, SUVs, and RVs. Sean brings more than 20 years of experience in the industry with a proven track record of driving sales growth, with previous roles at ProLids, LINUS and Cleary Bikes and based here in California. He's the guy shops call when they need to talk e-bike transport - his recent clinic is Retirees, RVs & Ebikes: How to properly transport Ebikes on RVs and keep traveling customers happy. We get into:How Hollywood Racks started in 1973 building trunk-mounted racks in the Hollywood Schwinn Bike Shop and became a leader that now sells in 25 countries What makes a rack actually MTB and eMTB ready - weight capacity, wheelbase, tire width, frame contactRV and truck setups - avoiding the costly mistakes that damage e-bikesThe new CrossTrack and Sport Rider lines and why fully-assembled, easy-to-use still mattersWhat Sean is seeing for 2026: more heavy eMTBs, more travelers, more demand for no-wobble hitch racksIf you've ever white-knuckled it watching your bike in the rearview, this is the episode that will fix your setup.Check them at hollywoodracks.com

Looking for a financial planner?  → PlanWithJesse.com Jesse answers a new round of early-retirement questions, beginning with how investors can build a portfolio designed to last through a potentially long retirement. He explains why focusing narrowly on dividends, interest, or other forms of "income generation" can lead retirees toward mathematically suboptimal decisions, and why total return, risk, and diversification provide a better framework for evaluating a retirement portfolio. He then addresses the challenge of retiring before Social Security, when portfolio withdrawal rates may temporarily reach 5% or 6% before falling substantially later, explaining why static rules like the 4% rule cannot capture the lumpy reality of retirement spending and why detailed cash-flow projections, Monte Carlo modeling, and sensitivity analysis can provide a clearer picture. The episode also explores how much cash an early retiree should hold, the trade-off between protecting against sequence-of-returns risk and sacrificing long-term returns, and how a retiree might gradually spend down an oversized cash position rather than trying to time the market. Finally, Jesse provides an early-retirement checklist covering ways to access money before traditional retirement age, including taxable accounts, Roth IRA contributions, Roth conversion ladders, Rule 72(t), the Rule of 55, 457 plans, HSA reimbursements, deferred compensation, lines of credit, and even family financing or early inheritances. Key Takeaways: • Total return matters more than income alone. Interest, dividends, and capital appreciation are different forms of return, and retirees should evaluate investments based on their total return and associated risk rather than fixating on income generation. • The preference for retirement "income" is partly psychological. Paycheck replacement, mental accounting, loss aversion, and a desire for control can all make dividends and interest feel safer than selling investments. • An all-time market high isn't automatically a reason to sell stocks. Markets have repeatedly continued rising after reaching new highs, making "the market is high" an unreliable market-timing signal. • Retirees may rationally prioritise avoiding ruin over maximising wealth. Once someone has accumulated enough for retirement, sacrificing some expected return to protect the plan can be entirely reasonable. • An oversized cash position doesn't necessarily need to be invested all at once. Jesse suggests that a retiree could gradually spend cash while simultaneously taking smaller withdrawals from the investment portfolio. • Early-retirement funding is a toolkit, not a single withdrawal strategy. Taxable investments, Roth assets, 72(t), employer plans, HSAs, deferred compensation, credit facilities, part-time income, rental income, and potentially family financing can all form pieces of an individualised bridge to traditional retirement age. Key Timestamps: (01:16) – Q1: Income Generation from a Sustainable Portfolio (14:21) – Q2: Monte Carlo and Modeling Your Own Lumpy Cash Flow (49:11) – Q3: Should I Use Cash or Sell My Stocks? (30:36) – Q4: Early Asset Access Checklist Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/e134/ https://bestinterest.blog/e145/ https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation https://bestinterest.blog/roth-conversion-checklist/ https://choosefi.com/listen Die With Zero: Getting All You Can From Your Money And Your Life by Bill Perkins More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

How often should you really check your retirement accounts? In this episode of Winning Retirement, Greg and Kristen explain why watching your portfolio every day can fuel anxiety and lead to emotional decisions. They discuss what retirees should actually look for during portfolio reviews, why your risk tolerance matters, and how a purposeful retirement strategy can help you stay focused on long term goals instead of short term headlines. Plus, learn how a three bucket approach to growth, dependable income, and liquid savings can help create greater confidence through changing markets and economic conditions.See omnystudio.com/listener for privacy information.

Sometimes the math is the easy part.In this episode, Ari responds to a voicemail from a listener who, on paper, looks like a retirement planning success story. Strong income, a meaningful pension, a well-funded portfolio, and a clear sense of how much they want to spend. The numbers point in the right direction before anyone has done the math.But the more interesting questions are never the obvious ones.Ari starts where he always does, not with the account balance, but with the spending goal. Using what he calls the reverse engineering approach, he works backward from how much someone wants each month, subtracts the fixed income that will arrive regardless of portfolio performance, and identifies what the investments actually need to produce. For someone with a pension and eventual Social Security, that gap is often far smaller than expected.From there, the planning gets more nuanced. A large pre-tax balance that keeps compounding while fixed income covers most expenses will eventually create a forced distribution problem. The question of whether to do Roth conversions, and when, depends on the tax window between retirement and Social Security, whether a spouse is still earning income, and what spending actually looks like across a full retirement rather than just in year one.The retirement smile adds another layer. Spending tends to be higher early when health and energy are strongest, lower in the middle years, and higher again near the end. A plan that treats every year identically misses something important about how retirement actually feels to live.The goal is not to be told what to do. It is to understand the plan well enough to own it, question it, and trust it when life does not go exactly as modeled.A good plan explains itself. A great plan builds the confidence to actually follow it.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Smart retirees can still miss important Social Security rules. In this episode, we cover 7 common rules that even well-informed retirees often overlook, and how those blind spots can affect taxes, benefits, and the overall retirement plan. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Ted Edginton has spent 25 years doing mortgages the hard way. In person, on the phone, at the closing table.He started this business straight out of Michigan State, driving around town with paper checks for his clients' loans. One blew right out his car window on Hall Road. He turned around, got it reprinted, and still made it to the closing.That's basically been his whole career since. He built a team with 60 years of combined experience between them, and every client still gets treated like the actual person they are, not a number moving down a pipeline. He calls it working the bookends. First time buyers figuring out how to afford housing on one side. Retirees trying to downsize without blowing their budget on the other. Both need someone willing to sit down and ask what's really going on.Here's what we got into.→ Why AI can quote you a rate but it can't tell you what your family actually needs→ The real math behind why home prices keep climbing even when nobody feels ready→ The occupancy fraud he's watching lenders push on people right now→ Why getting treated like a commodity is costing people the house they actually wantClients keep telling Ted the same thing after their first conversation with him. Nobody else brought this up. That's not luck. That's 25 years of listening before he ever starts talking.Thanks to Ted for making the time to sit down and talk shop. If you're anywhere near Troy or Woodward, go find him at Rate. If you're not, email TedE@rate.com and tell him we sent you.*Chapters*00:00 Intro01:00 Cold Open: A TRT Story and Life's Priorities04:48 Community, Belonging, and the Power of an Invite08:09 Serving Clients in Ways AI Can't11:21 Ditching the Commodity Mindset15:17 The Steak N Shake Job That Built a Work Ethic22:03 Real Flexes, Real Character29:20 The Real Math Behind Buying a Home Today36:23 Diligence, Trust, and Spotting Fraud47:12 Compassion, AI as a Tool, and Closing Thoughts*Connect with Ted*https://www.linkedin.com/in/tededginton/https://www.instagram.com/ted_edge_mortgage/https://www.facebook.com/ted.edgintonBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-dillon-england-show--6370921/support.*Connect with Dillon*https://www.instagram.com/thedillonenglandshow/https://twitter.com/imdillonenglandhttps://www.linkedin.com/in/dillonmengland/https://www.facebook.com/dillon.england.5*Sponsor — Broadcast Brew (Low-Acid Coffee)*Order our LOW ACID COFFEE “THE BROADCAST BREW”Thank you to Cool Beans Coffee Brewery for your partnership.https://www.coolbeanscoffeemi.com/product-page/broadcast-brew-low-acid-blend*ABOUT THE DILLON ENGLAND SHOW*Authentic conversations with interesting people across personal growth, entrepreneurship, and lifestyle — direct, faith-forward, Detroit grit.Subscribe for full conversations and weekly clips.Share this with someone on your leadership team.Comment your biggest takeaway.

Retirees often consider the many facets of planning and their needs for later in life separately. Vince Bodnar, President and CEO of Lumos Insurance, joins co-hosts Tisa Rabun-Marshall, Ramsey Smith, and Bruno Caron to discuss how a more coordinated planning process may help individuals better understand the interconnection of retirement income, health, quality of life, and legacy. Vince also shares his perspective on product development, advisor education, longevity risk and the role of reinsurers in supporting insurance solutions. Listen where you get your podcasts and at thatannuityshow.com

What if you could pull $100,000 from your portfolio this year to live on, but only $30,000 or $40,000 of it actually counted as taxable income? It sounds too good to be true, but for a lot of retirees, it's completely possible. In this episode, I break down a strategy called income stacking, how to pull from cash, brokerage, IRA, and Roth accounts in the right combination, and why paying $0 in taxes isn't always the smartest move.Tune into this episode to find out:(00:18) The $100,000 question: what if only $30–40K of it was actually taxable?(00:42) Why retirement gives you control over how your paycheck—and your taxes—are built(01:03) The #1 mistake: treating withdrawals as "one account at a time"(02:18) Introducing income stacking and how it reframes your withdrawal strategy(03:03) Why Social Security can be taxed anywhere from 0% to 85%(03:36) A real example: building $100,000 of income from four different account types(05:39) How the standard deduction makes your first IRA dollars tax-free(06:21) The 0% long-term capital gains bracket (and how high it actually goes)(08:48) Why paying $0 in taxes isn't always the goal(09:36) The smarter target: filling up the right tax brackets on purpose(11:39) How managing your IRA today can reduce tomorrow's Social Security taxes

In retirement, should you be looking for opportunity in the stock market or should you leave those days behind? Subscribe or follow so you never miss an episode! Check out The Fire Your Financial Advisor Retirement Show on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Are high interest rates really the problem, or are they creating opportunities retirees are missing? Steve Anzuoni breaks down inflation, housing costs, rising interest rates, and why today's economy may be stronger than many headlines suggest. He discusses making savings work harder, uncovering forgotten retirement accounts, planning for healthcare and long-term care expenses, and staying proactive with retirement income strategies. Plus, Steve explains a new approach to long-term care planning that is generating significant interest among retirees looking to protect their nest eggs while preparing for the future. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

What does Dolly Parton’s legacy have to do with retirement planning? Steve Hoyl explores the lessons behind generational wealth, family financial conversations, and creating income streams that last through retirement. He discusses helping loved ones without enabling them, preparing for market volatility, managing rising costs and interest rates, and why a retirement strategy should go beyond a 401(k). The conversation highlights the importance of income planning, risk management, and building a financial roadmap designed to support both retirees and future generations. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Have you ever wondered what happens when a country decides that retirement should come with a little sunshine, a nice hotel, and a holiday?Well… Spain has an answer for that.It's called Imserso, and if you're visiting Spain and suddenly notice thousands of Spanish retirees heading to the coast in the middle of winter, there's a very good chance they're on an Imserso holiday.And honestly, it's one of those wonderfully Spanish things that deserves a little explanation.The idea began back in 1978, originally as a way of giving older people, particularly those who lived alone, the opportunity to enjoy holidays and social activities. But there was another clever idea behind it: keeping hotels, restaurants, transport companies and other tourism businesses working during Spain's quieter months.Fast-forward forty years, and the programme has become a remarkably large operation.For the 2026–27 season, almost 880,000 places are being offered, covering Spain's Mediterranean and Atlantic coasts, the Balearic and Canary Islands, cultural circuits, nature trips, provincial capitals, Ceuta and Melilla.And here's the part that might make you raise an eyebrow.A nine-night coastal holiday can start at around €309, including accommodation, full board and transport in many cases. There's even a specially reserved group of places costing just €50 for people with particularly limited financial resources.So who can actually go? What are the requirements? How does Spain decide who gets a place? Who pays for it? And why does the government consider holidays part of something as serious as healthy ageing?This week on Spanish Loops, Fran and I are taking a closer look at Imserso, the Spanish holiday programme that manages to combine retirement, tourism, social policy and a surprisingly good deal.So grab your coffee, pull up a chair, and let me tell you about one of Spain's most curious traditions.Because retirement in Spain apparently comes with one very important rule:You're not supposed to stop enjoying yourself.

What if the key to a more confident retirement isn't growing your nest egg, but turning it into reliable income? Kevin Madden explores why more retirees are revisiting annuities, how guaranteed income strategies may fit into a retirement plan, and the importance of creating dependable cash flow after the paycheck stops. The conversation also covers avoiding emotional investment decisions, preparing for unexpected early retirement, planning for long-term care expenses, and building a written retirement income plan that aligns with your goals and lifestyle. 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.

Could an annuity deserve a second look in today’s retirement landscape? Christian McPherson discusses why more retirees are exploring annuities, how guaranteed income fits into a broader financial strategy, and the importance of understanding both benefits and tradeoffs. He also examines retirement planning for adults without children, covering estate documents, long-term care considerations, healthcare decisions, and creating a legacy that reflects your values. Along the way, Christian shares wisdom from Dolly Parton on purpose, work, and leaving a meaningful impact. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if a simple trip to Chuck E. Cheese revealed one of the biggest retirement planning challenges people face today? Steve Hoyl discusses how rising costs, inflation, market volatility, and changing retirement realities are reshaping financial planning. From the disappearance of pensions to the importance of balancing risk, building emergency savings, and creating reliable income strategies, they compare retirement planning today with decades past. The conversation also explores why buying power matters more than account balances and why trusted guidance can be essential when preparing for retirement. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

Healthcare is one of the biggest fears keeping people from retiring early.But for many future retirees, the actual cost is not the problem. The uncertainty is.In this episode, Ari Taublieb, CFP®, responds to a listener  hoping to retire at age 60 with approximately $1.9 million saved between retirement accounts, a brokerage account, and a Roth IRA. While the numbers appear solid, one concern continues to stand in the way: how to pay for healthcare before Medicare begins at age 65.Like many people approaching retirement, the caller worries that healthcare premiums could force them to work longer than necessary. But as Ari explains, healthcare costs are often misunderstood because they are closely tied to how retirement income is structured.The conversation shifts away from chasing a portfolio target and toward a more important question: can your assets generate the income needed to support the life you want?Using the caller's pension, spending goals, and retirement accounts as an example, Ari walks through how healthcare costs fit into a broader retirement plan. He also highlights how brokerage accounts can create flexibility, why taxes matter just as much as investment returns, and how many retirees may have more options than they realize.The deeper lesson is that retirement planning is rarely about a single expense.Too often, healthcare becomes the reason people delay retirement, even when the rest of the plan is already strong. The real challenge is understanding how all the pieces work together and determining whether the fear is based on reality or simply a lack of clarity.The takeaway is simple. Don't let uncertainty make decisions for you. A well-built retirement plan helps you understand the true cost of healthcare, the role of taxes, and whether work is still a necessity or has already become optional.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

New Total Wealth and Wellness Radio episodes post every Saturday.

Old 401(k) accounts left behind after job changes may cost near-retirees more than expected. Tax rules, fees, and an age threshold can all affect whether consolidating into an I R A is the right move. To learn more, visit https://www.meliagroup.com/ira-management Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Today we're discussing a great mix of real estate, theme park, and things to do in Orlando! Come hang out, ask questions, on Orlando Real Live!

Renting as a retiree can be a tricky prospect - but for some people, having some money saved might not be the help they expect. Money correspondent Susan Edmunds has been looking into a potential fishhook with the accommodation supplement, which could catch some older New Zealanders out.

His Highness Sheikh Dr Sultan bin Mohammed Al Qasimi, Supreme Council Member and Ruler of Sharjah, has ordered the minimum monthly living standard to be raised to Dh20,000 for thousands of families receiving social assistance, government employees and retirees under a series of directives aimed at improving citizens' living standards. Listen to #Pulse95Radio in the UAE by tuning in on your radio (95.00 FM) or online on our website: www.pulse95radio.com ************************ Follow us on Social. www.instagram.com.pulse95radio www.facebook.com/pulse95radio www.twitter.com/pulse95radio

Some of the most tempting retirement investing mistakes begin with ideas that sound perfectly reasonable: move to cash when the market looks expensive, put everything in CDs while rates are attractive, leave stocks behind once you retire, or rely on dividend stocks for income. The problem is that each approach can allow one concern or prediction to dictate an entire investment strategy. Jeremy Keil answers five listener questions about investing in retirement. The surprising truth about retirement investing is that many questions are answered more clearly by re-focusing on when you'll need the money and what you need it to accomplish, rather than predictions about what markets, interest rates, or individual investments will do next. For disclosures and conflicts visit keilfp.com/disclosures.

For years, investors have looked at the bond side of their portfolios and wondered: what's the point?Interest rates were near zero, yields were low, and then 2022 reminded investors that bonds can lose money too.But today, the fixed income landscape looks very different. Retirees can potentially earn 4%, 5%, or even more on investments they traditionally consider their “safe money.”So… is fixed income finally back?In this episode, I break down how I'm thinking about bonds and fixed income for retirees today, including:-Why higher interest rates can create risks for BOTH bonds and stocks-How much of your retirement portfolio should potentially be in fixed income-Risk tolerance vs. your actual capacity to take risk-Using bonds, CDs, T-bills and cash to create a short-term income reserve-Why guaranteed income can change how much investment risk you need to take-Where annuities may fit into the fixed-income conversation-Why chasing dividend stocks for income can create its own risks-How to build an investment portfolio around your retirement plan, not the other way aroundI also share one of my favorite lessons from Tiger Woods' 2019 Masters victory and why sometimes the best retirement strategy isn't firing at every pin. It's simply making sure you stay in the tournament.The goal isn't to maximize the return on every dollar you have.Some dollars need to grow. Some need to hedge against inflation. Some need to produce income. And some simply need to make sure you're still in the game when markets get ugly.⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⛳ PFR Nation (Who This Is For)If you're over 50, have saved seven figures (or multiple seven figures), love golf and travel, and you want to make work optional while minimizing taxes… welcome to the right place.-KevinConnect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow the podcast⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Long-term care coverage is an essential, yet often misunderstood, aspect of retirement planning in the United States. Although many people will require some form of long-term care as they age, most are unprepared for the high costs and limited coverage options available. On the show this week, I'm debunking common myths like the notion that Medicare will fully cover all long-term care costs and taking a deep dive into the four main ways retirees can pay for these expenses.    You will want to hear this episode if you are interested in... 00:00 Understanding the options for long-term care help 03:10 The difference between Medicare and Medicaid 05:07 Spouse asset protection options 09:15 Understanding hybrid policy benefits 13:24 Hybrid vs. traditional long-term care 19:25 Long-term care insurance application process   Understanding Medicare's Limitations There is often a misconception that Medicare covers long-term care. In reality, it's split into two primary parts: Part A, which covers some costs for hospital stays, and Part B, which addresses preventative care such as doctor visits and certain procedures. While Medicare may pay for medically necessary hospital stays—such as those following an injury like a broken hip—it stops covering the costs when ongoing care is no longer deemed medically necessary. Extended or custodial care, where you need help with daily living activities but do not require intensive medical treatment, is not included under standard Medicare coverage. This leaves retirees exposed to significant out-of-pocket expenses once hospital-based care ends.   The Four Main Options for Long-Term Care Coverage There are four primary payment strategies for long-term care. Each option has its benefits and limitations, and selecting the right one depends heavily on individual circumstances.   1. Medicaid Medicaid is a needs-based program designed for individuals with low income and limited assets. To qualify, applicants must pass specific income and asset thresholds, which, for single individuals, often means owning less than $2,000 in assets. Married couples have more leeway—the "community spouse" can usually retain a higher amount of assets and income. Medicaid planning may involve establishing a qualified income trust or transferring assets into an irrevocable trust. It is important to note that most states enforce a five-year look-back period for asset transfers, meaning that gifts or transfers must occur at least five years before the Medicaid application to be effective.   2. Self-Insuring Self-insuring is also an option, which involves setting aside personal assets, such as retirement savings or home equity, to pay for potential care needs. This method offers autonomy but carries risk, especially given the high and regionally variable costs of care. Depending on where you live, full-time nursing care can average over $15,000 per month, and home care or assisted living can still cost tens of thousands of dollars per year. Planning ahead is critical, particularly for couples, to ensure one spouse's care does not financially imperil the other.   3. Hybrid Long-Term Care Policies Hybrid long-term care insurance policies have emerged that combine life insurance with long-term care coverage. These products provide either long-term care benefits or a death benefit to your estate, ensuring that money paid into the policy is not "lost" if long-term care is never needed. Hybrid policies tend to offer flexible payout options and the potential for locked-in premiums, but they may provide less coverage per premium dollar when compared to traditional policies.   4. Traditional Long-Term Care Insurance Traditional long-term care insurance remains an option for those prioritizing higher benefit payouts. While these policies can stretch benefit pools further, they don't usually offer death benefits, and their premiums are not guaranteed—they can increase over time and may eventually become unaffordable. Underwriting is also stringent: many applicants over 70 are denied coverage, and certain medical conditions result in automatic disqualification. Making the Right Choice for You and Your Family You need to balance protecting personal assets, securing a spouse's future, and managing premium costs. Retirees should honestly assess their health, financial circumstances, and family situation. Consulting a financial advisor or insurance professional can help tailor a long-term care strategy that minimizes risk while supporting a comfortable and dignified retirement. Planning now, rather than later, ensures you are prepared for whatever the future may bring—and that you and your loved ones have peace of mind.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

As U.S. debt surpasses $40 trillion, what does it mean for retirees and future taxpayers? JoePat Roop reviews the potential paths policymakers may take, including inflation and taxation, and how those choices could affect retirement income. The conversation also reflects on Dolly Parton’s enduring legacy and the importance of creating a retirement strategy built around purpose and long-term goals. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Wes Moss is a Managing Partner and Chief Investment Strategist at Capital Investment Advisors (CIA), where he leads a team dedicated to helping individuals and families achieve financial independence. A CERTIFIED FINANCIAL PLANNER™ and prominent money educator, Wes is the author of What The Happiest Retirees Know and You Can Retire Sooner Than You Think, and hosts the nationally recognized Retire Sooner Podcast alongside his weekly call-in radio show, Money Matters. Recognized nationally by Barron's, Forbes, and Investopedia for his expertise in income investing and retirement lifestyle planning, he holds a degree in economics from the University of North Carolina at Chapel Hill and lives in Atlanta with his family.Connect with Wes Moss:Website: https://www.wesmoss.com/ The Retire Sooner Method: The 5 Secrets Behind America's Happiest (and Unhappiest) Retirees. https://a.co/d/00AA74b0 Need expert tax planning? Visit GTG Tax to learn how to make your taxes work for your goals: https://gtgtax.com/ TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152 Discover how you can look 'poor' to the IRS and rich to a lender. Check out my sponsor, GTG Tax Planning, at gtgtax.com to book a short discovery call.

In this episode Brian and Jeff discuss The Annuity Boom and DIY Retirement Planning - is saving the advisor fee actually costing you money?

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} } Dupree Financial Group Podcast Show Notes & Blog The Tom Dupree Show Episode  ·  8-29-26 AI Chips, a Sneaker Stock Shock, and the Fed’s Inflation Reckoning: What Retirees Should Watch This Week The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 Episode Description This week’s Financial Hour covers a lot of ground — and nearly all of it matters if you’re managing retirement income right now. Tom Dupree, Mike Johnson, and Michael Dawahare start with Nvidia CEO Jensen Huang’s interview with Jim Cramer, (https://www.cnbc.com/video/2026/08/26/watch-jim-cramers-full-interview-with-nvidia-ceo-jensen-huang.html ) which Huang argued that AI chips are becoming a revenue-generating financial asset rather than a depreciating one — and why that shift is already showing up in the bond market. From there, the conversation turns to Dick’s Sporting Goods, which slashed its earnings forecast just 90 days after raising it, wiping out two-thirds of its shareholder base in a single trading day. The hour closes with Fed Chair Kevin Warsh’s Jackson Hole remarks, where he laid the blame for “65 months of elevated inflation” squarely on his predecessors and signaled what that means for interest rates heading into September. AI Infrastructure Investing: Are Chips Becoming the New Barrel of Oil? Nvidia just turned in another blowout quarter — by Tom’s count, the 15th straight quarter the company has beaten expectations. But the more interesting story, in Tom and Mike’s view, is what Jensen Huang said afterward: AI compute is starting to behave like a financial instrument with a real return on capital, not just an expense. That’s the logic behind the $500 billion GPU financing and securitization discussion involving BlackRock and Blackstone that the show covered a few weeks ago — essentially the same slice-and-dice structure used in auto loan securitization, applied to data center hardware. Even more surprising: chips built back in 2023 are holding their value instead of depreciating, partly because Nvidia keeps improving the software and firmware that runs on them. Tom’s analogy: picture Hopper and Blackwell chips coming down the conveyor belt the same way a barrel of oil became a globally monetized commodity in the 1970s. He also shared a personal note on Jensen Huang’s Kentucky roots — Huang spent time as a teenager at Oneida Baptist Institute in Clay County, a detail Tom knows firsthand from doing energy infrastructure work in the area. On the energy side, the team also discussed Emerald AI, a private company using software to shift data center power loads in real time — throttling usage in one location (say, Phoenix during a heat spike) while ramping it up elsewhere, which can actually improve grid reliability rather than strain it. The Dick’s Sporting Goods and Nike Earnings Shock: A Lesson for Long-Term Investors Dick’s Sporting Goods just had, in Tom’s words, the biggest one-day stock drop in company history — despite decent core earnings. The culprit was its newly acquired Foot Locker division. In late May, Dick’s raised guidance on Foot Locker, projecting roughly $50 million in profit. By late June, Nike’s business had also weakened everywhere except at the newly relaunched Foot Locker stores. Then, just 60 days later, Dick’s reversed course entirely — that projected $50 million profit is now expected to be a $50 million loss. Mike and Michael’s read: a flood of casual sneakers shipped ahead of the World Cup created a sales spike followed by an inventory hangover, compounded by a new Nike CFO (recently hired from Pfizer) who had every incentive to reset expectations low before his first earnings call. Nearly 40 million Dick’s shares traded in one day — roughly two-thirds of the entire shareholder base turned over — on a stock that had hit an all-time high just 90 days earlier. The Dick’s family, which owns about 25% of the company, took a $250 million hit in the selloff, which the team sees as strong motivation to fix the Foot Locker integration quickly. [COMPLIANCE REVIEW — Hudson: this segment discusses DFG adding to client positions in Dick’s Sporting Goods after the selloff, and references the stock’s current dividend yield and free cash flow. Please confirm these figures and the trade description are appropriate for publication.] As stated on air, this discussion is not a recommendation to buy or sell any security — please consult a financial professional before making investment decisions. Fed Chair Kevin Warsh’s Jackson Hole Speech: “A Discipline, Not a Decision” New Federal Reserve Chair Kevin Warsh’s Jackson Hole speech didn’t move markets much on its own — Mike Johnson called it “a nothing burger” — but it confirmed a generally hawkish read: the market-implied odds of a September rate hike moved to roughly 55–60%, up from where they’d been previously. Two lines stood out to Tom and Mike. First, Warsh directly criticized his predecessors for “65 months of elevated inflation,” making clear that responsibility sits with the central bank, not external events. Second, his framing that the Fed is “committed to a discipline, not a decision” signals a move away from forward guidance and toward data-dependent policy. The team also walked through household debt trends: delinquencies on mortgages, auto loans, and credit cards remain fairly stable, while student loan delinquencies have risen now that pandemic-era forbearance has ended. Oil prices remain a major swing factor — Tom estimates roughly half the cost of goods in daily life traces back to the price of a barrel — so a calmer oil market could reduce the pressure on Warsh to raise rates at all. “Markets do not always go up. Prices don’t always go up. So when you have weakness in prices for some esoteric reason, that is when you get an opportunity to buy — and add.” — Tom Dupree Topics Covered Jensen Huang’s interview with Jim Cramer following Nvidia’s 15th consecutive earnings beat Why AI infrastructure may be shifting from a depreciating cost to a “monetizable” financial asset, similar to a barrel of oil The push toward securitizing AI infrastructure and data center financing Jensen Huang’s Kentucky roots at Oneida Baptist Institute in Clay County How AI energy demand and data center efficiency (via Emerald AI) affect the power grid Dick’s Sporting Goods’ guidance reversal, 90 days after raising it, tied to the Foot Locker relaunch What a 40-million-share trading day and a 25%-family-owned stake signal to long-term investors Fed Chair Kevin Warsh’s Jackson Hole remarks on “65 months of elevated inflation” and September rate-hike odds Household debt and delinquency trends across mortgages, credit cards, and student loans Why the price of oil remains a key driver of the Fed’s inflation outlook Key Takeaways AI infrastructure is starting to look like a financial asset, not just a tech expense. Jensen Huang’s argument — that AI compute now generates a measurable return on capital — is why data centers and GPUs are being discussed in securitization terms usually reserved for auto loans or real estate. Some AI chips are appreciating instead of depreciating. Chips manufactured in 2023 are reportedly holding or gaining value as demand grows and ongoing software updates improve their efficiency — a break from the usual electronics depreciation curve. A sharp earnings-driven stock drop isn’t automatically a reason to sell. Dick’s Sporting Goods’ core business remained healthy even as its Foot Locker guidance collapsed. Separating a temporary supply-chain problem from a permanent business problem is central to how DFG evaluates opportunities like this. Watch the shareholder turnover, not just the headline. When two-thirds of a company’s shareholder base changes hands in a single trading day, it often reflects overreaction as much as fundamentals — something patient, income-focused investors can use to their advantage. The Fed’s new chair is putting inflation accountability front and center. Kevin Warsh’s “65 months of elevated inflation” line was a direct message to his predecessors — and a signal that he’s more willing to raise rates if inflation readings don’t stay in check. Household debt looks broadly stable — except for student loans. Delinquencies on mortgages, autos, and credit cards remain near longer-term norms, while student loan delinquencies have risen since pandemic-era forbearance ended. Nearly everything right now is tied to interest rates and oil. From long bond yields (pushed up partly by AI infrastructure financing) to utility and technology stocks, this week’s moves are a reminder that diversified, income-focused portfolios are built to weather single-headline swings. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a veteran of the investment business since 1978. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisor based in Lexington, Kentucky, managing separately managed accounts built around income-generating, dividend-paying holdings. The firm’s approach centers on personalized investment management and direct access to the people managing your money — a contrast to mass-market investment firms, where clients are often assigned to a rotating investment counselor rather than working directly with a portfolio manager who knows their specific situation. Read more about that approach on our Investment Philosophy page. For more on building a retirement income strategy in Kentucky, see our related post: Kentucky Retirement Planning: Your Complete Guide to Dividend Investing and Retirement Readiness. Past episodes are available in our Market Commentary archive. Schedule a Complimentary Portfolio Review If you’re not sure how AI-related holdings, sudden earnings swings, or Fed policy shifts are actually affecting your retirement income, let’s take a look together. We’ll walk through what you own and why you own it — no charge, no pressure. Call: 859-233-0400 | Schedule Online: Personalized Portfolio Analysis | Visit: dupreefinancial.com Dupree Financial Group  ·  Fee-only. Fiduciary. Lexington, KY  · dupreefinancial.com  ·  859-233-0400 This document is for reference and internal use. Not for public distribution. All investing involves risk, including possible loss of principal. Nothing in this content is a recommendation to buy or sell any security; consult a qualified financial professional before making investment decisions. The post AI, Earnings Shocks & the Fed: What Retirees Should Watch Air Date 8-29-26 appeared first on Dupree Financial.

You can have $2 million, $3 million, or even $5 million saved for retirement and still wake up at 3 a.m. wondering if you're going to be okay. To the outside observer, it seems impossible to worry when you have significant savings, but having more money doesn't automatically eliminate anxiety. In this episode, Austin, Josh, and Chase explore the complex psychological relationship between wealth and security, discussing why achieving financial milestones doesn't always translate to peace of mind.To watch on YouTube, check out the show notes, or find more resources, visit thewealthmindsetshow.com/s2e44Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

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What happens when a client has enough money to retire, but no idea what they actually want retirement to look like?Ben Nemtin knows that problem better than most. After struggling with anxiety and depression at 19, he and three friends created a list of things they wanted to do before they died. That experiment eventually became The Buried Life and led to nearly two decades of studying purpose, regret, and what actually makes people feel alive.This week's conversation covers why some clients lose their sense of identity after retirement, why the habits that helped them build wealth can keep them from enjoying it, and how financial advisors can help clients get clearer on what all that money is actually for.3 Insights From This Week's Episode…1.) The Retirement Problem a Financial Plan Can't SolveClients can reach financial independence and still feel completely unprepared for the loss of structure, identity, relationships, and purpose that can come with leaving work. We explore why this transition can be harder than the numbers suggest.2.) Why Some Clients Never Feel “Rich Enough”Saving can become a lifelong default. Even when the plan says they're financially secure, some clients still struggle to spend on the experiences they spent decades working toward. That tension creates an important opportunity for advisors.3.) Trust Is Built Beyond The SpreadsheetClients don't only want to know whether their plan works. They want to know that their advisor understands what the money is actually for. Ben and I explore what advisors may be missing when those deeper conversations never happen.SPONSORED BY BELAYIf you're an advisor and you're still scheduling your own appointments, sending your own follow-up emails, or dealing with other tasks keeping you from bringing on other clients, you're the bottleneck. BELAY helps busy leaders find world-class Virtual Assistants who can take tasks off their plate, protect their time, and help them stay focused on the work that actually moves the business forward. Learn more about BELAY and find the right assistant for your business here: http://belaysolutions.com/dbdlSHOW NOTEShttps://bradleyjohnson.com/183FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TO09265770638See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Is Lyon, France the Most Livable City in Europe for Gay Retirees? With Eric WayIn this episode, host Mark Goldstein sits down with Eric Way, a Tennessee-born engineer who arrived in Lyon, France, in 1989 as a university exchange student and never left. Now approaching his 38th year in the city, Eric lives downtown in a 19th-century apartment with his French architect husband and splits time between Lyon and a farmhouse they own in the French Alps. He brings a rare depth of perspective: nearly four decades as an American expat, a career in corporate diversity and inclusion, and a front-row seat to how Lyon has evolved as a livable, gay-friendly city.This episode covers what it actually looks like to build a life in Lyon: the walkability, the world-ranked healthcare, the cost of living compared to Paris, the LGBTQ+ scene, the visa path, and the honest trade-offs.What Is LyonLyon is France's third-largest city, located in southeastern France at the confluence of the Rhône and Saône rivers, a geographic feature that gives the city two riverfront parks and a distinctive linear layout. It sits roughly two hours south of Paris by high-speed train and serves as a hub for reaching the French Alps, the Beaujolais wine region, Burgundy, the Riviera, and even Barcelona. The historic center, known as the Presqu'île (the peninsula), is a UNESCO World Heritage site dating back to the Renaissance and the Middle Ages. Lyon is widely considered the gastronomic capital of France.Why Eric Chose LyonEric arrived in 1989 on a one-year university exchange program and found something he did not expect: a city whose values matched his own. Coming from a fundamentalist Christian family in Tennessee and still in the process of coming out, he discovered in Lyon a culture of live-and-let-live tolerance that felt, in his words, freer than the United States. He stayed. A few years later, he met his husband. The rest, as he says, is history.LGBTQ+ LifeLyon has a visible but modest LGBTQ+ scene concentrated around the City Hall area on the Presqu'île. At the time of recording, there are two gay bars, a gay sauna, a sex club, and a bear bar reportedly opening within months. There is a city-sponsored LGBTQ+ center and an annual Pride march, though Eric notes that Lyon Pride has become more politically divided in recent years, with some organizers now refusing corporate participation. The broader city is deeply accepting. Eric and his husband have lived part-time in a 250-person Alpine village for years and describe being fully adopted by their elderly neighbors without a moment of discomfort. Among their friend group, gay and straight friendships naturally overlap, though, like many couples without children, their closest circle has become predominantly other gay couples over time.Daily Life and WalkabilityEric's doctor is three blocks away. His pharmacy, organic grocery store, bank, bakery, butcher, and eye care are all within one to two blocks. Outdoor markets run on Wednesdays and Sundays in his neighborhood. The metro system is efficient and growing, with a tram network expanding even faster. A single ticket costs approximately 2.30 euros and covers one hour of travel. Monthly passes run around 100 euros. Seniors receive rail discounts starting at age 60, often allowing first-class travel at second-class prices.Eric drives his older car into Lyon no more than 52 times per year under a city environmental permit system, which he now finds perfectly adequate since he is no longer working. Lyon's riverfront parks, pedestrian streets, and walkable neighborhoods make car ownership largely optional for daily life.Costs and HousingLyon is typically half the price of Paris for both rent and property. Eric and his husband purchased their 800-square-foot, two-bedroom downtown apartment approximately 30 years ago for about $35,000. It is now worth roughly ten times that. Their monthly electricity bill runs approximately 70 to 80 euros every two months; gas adds about 45 euros on top of that. France applies a 20% VAT on most purchases, which is worth factoring into any cost-of-living comparison.HealthcareFrance's healthcare system consistently ranks first in the world for quality, accessibility, and cost. A standard doctor visit costs 30 euros; specialist visits range from 70 to over 100 euros. Foreign residents access coverage through PUMA, France's universal health coverage, which applies to legal residents regardless of employment status. Most residents also carry a Mutuelle, a supplementary top-up insurance policy that covers what the national system does not. Eric pays approximately 250 euros per month for a Mutuelle covering both himself and his husband.Visas and ResidencyThe standard route for American retirees is a long-stay visitor visa, applied for through the French consulate in the United States before departure. Residents typically start with one-year renewals before eventually qualifying for a ten-year card. Eric notes that a recent change to French law has removed the citizenship pathway for non-working residents. Americans retiring to France on a visitor visa are unlikely to be eligible for naturalization under the current rules.France does not officially recognize a digital nomad visa. Eric cautions anyone planning to work remotely in France to take legal advice before doing so, as working without proper authorization carries real risk.TaxesThe US-France tax treaty is highly favorable for American retirees. If your income is US-sourced, France will generally not tax it, and you will continue paying US rates. Eric recommends working with both a US tax preparer and a French one, particularly for the first few years.One specific flag: France does not recognize trusts. If you have a trust established in the United States, you need professional advice before moving to France, as it will be taxed very unfavorably and may fall outside the treaty's protections.France also has a wealth tax on real estate holdings above approximately 1.2 million euros, and forced heirship laws that entitle children to a portion of your estate regardless of your wishes. Both are worth understanding before making the move.Crime and SafetyEric has lived in Lyon's city center for nearly four decades and describes feeling consistently safe. In that entire time, he recalls one incident in which he and his husband were briefly followed downtown and had to walk away quickly. France has a higher rate of property crime relative to the United States, but a significantly lower rate of violent crime and essentially no gun violence outside of hunting contexts. Responsible gun ownership is legally required: pistols for target shooting require a course and registration.Arts, Culture, and CommunityLyon has the second-largest fine arts museum in France outside the Louvre, a national orchestra, a Jean Nouvel-designed opera house, the Maison de la Danse (an internationally renowned contemporary dance center with a biennial festival), and rotating modern art exhibitions in repurposed industrial spaces. The Festival of Lights each December transforms the city's buildings into a four-day sound-and-light spectacle. June 21 brings the Fête de la Musique, a nationwide outdoor concert event where every square in the city fills with live music from classical to rock to jazz.What to Know Before You GoFrench is essential. Eric is direct about this: people who arrive expecting to get by on a few phrases or believing fluency will come by osmosis are setting themselves up for frustration and social isolation. He recommends investing in one-on-one instruction before you arrive, not after. Jumpspeak is his suggested app for building conversational fluency.The climate has four seasons: mild winters with rare snow, pleasant springs and autumns, and summers that are warming noticeably due to climate change. Eric manages without air conditioning through insulation techniques, though newer and renovated buildings increasingly have heat pumps that provide cooling as a byproduct.Lyon rewards people who want to get out and explore. The city sits at the gateway to the Alps, Burgundy, Beaujolais, Provence, the Riviera, Switzerland, and Italy. Eric and his husband once went bungee jumping in the Alps, drove to Italy for pasta for dinner, and were home in Lyon that night. For those who prefer to stay closer to home, the outdoor markets, river walks, and restaurant scene are enough to fill a very good life.Resources MentionedPresqu'ile: Lyon's central peninsula neighborhood between the Rhone and Saone rivers Perrache: The original Lyon train station, three minutes from Eric's apartment Fourviere: The hilltop with Lyon's famous basilica and Roman ruins Beaujolais vineyards: 30 minutes from Lyon; beautiful in autumn Albertville: Near Eric's Alpine farmhouse; site of the 1992 Winter Olympics Festival of Lights (Fete des Lumieres): Annual four-day light installation festival each December Fete de la Musique: June 21, nationwide outdoor music festival Maison de la Danse: Lyon's internationally recognized contemporary dance center PUMA: France's universal health coverage for residents Mutuelle: Supplementary insurance that tops up public healthcare coverage PACS: French civil partnership; same tax treatment as marriage, with one exception: survivor pension rights do not transfer unless married Jumpspeak: Language learning app recommended by Eric for conversational FrenchListen to this episode wherever you get your podcasts, on YouTube, or at

What are the biggest Social Security and retirement mistakes retirees make? Toby Mathis and Erin Moriarity break down when to claim Social Security, Social Security taxes, Roth conversions, Medicare and IRMAA surcharges, the 4% rule, retirement income strategies, long-term care costs, and how to avoid running out of money in retirement.  Learn how smarter Social Security planning, Medicare planning, tax strategies, and retirement withdrawal decisions can help you build a more secure retirement.  Check out Erin's Channel

Our guest this week is Rick Corbett of Loganville, GA who worked in the electrical industry for 25 yeara before becoming a full-time caregiver. Rick is father of two boys including one with Hydrocephaly and a caregiver to a young woman with special needs. Rick and his x-wife, Mary, were married for 29 years and are the proud parents of two boys: Sean (30), who lives with his mom and Richard (36) who has Hydrocephalus, a rare, complex, and chronic illness.  Rick is also caregiver to Morgan (32) who is wheelchair bound due to a brain injury suffered at birth.  We learn about how Richard was warmly embraced by his high school classmates where he was known as "Touchdown Richard" becuase of his enthusiam for and involvment with the high school football team.  We also learn about the impact the Tim Tebow Foundation 'Night To Shine' program has had.It's an uplifting story about a father's devotion to his children and others all on this episode of the SFN Dad to Dad Podcast.Thius episode was recorded at St. John Neumann Church in Lilburn, GA on day #18 and stop #37 of the SFN U.S. Tour,  Special thanks to SFN Mentor Father Scott Sowers, who was featured in episode #9, for organizing the gathering at St. John Neumann Church.  Show Notes - Phone – (404) 578-5259Email – rjcorbett79@yahoo.comSpecial thanks to all those who supported the SFN U.S. Tour, a month-long, 50-state, 60+ stop tour that took place from May 21 to June 21, 2026: to strengthen and grow the Special Fathers Network and distribute 1,000+ complimentary copies of our new book: Dads Raising Children With Special Needs & Disabilities: A Guide For 21st Century Dads. Special Fathers Network –SFN is a dad to dad mentoring program for fathers raising children with special needs. Many of the 900+ SFN Mentor Fathers, who are raising kids with special needs, have said: “I wish there was something like this when we first received our child's diagnosis. I felt so isolated.  There was no one within my family, at work, at church or within my friend group who understood or could relate to what I was going through.”SFN Mentor Fathers share their experiences with younger dads closer to the beginning of their journey raising a child with the same or similar special needs. The SFN Mentor Fathers do NOT offer legal or medical advice, that is what lawyers and doctors do. They simply share their experiences and how they have made the most of challenging situations.Check out the 21CD YouTube Channel with dozens of videos on topics relevant to dads raising children with special needs - https://www.youtube.com/channel/UCzDFCvQimWNEb158ll6Q4cA/videosPlease support the SFN. Click here to donate: https://21stcenturydads.org/donate/Special Fathers Network: https://21stcenturydads.org/  

Do you need a trust, or is a will enough? And even if your estate documents are complete, are your accounts and beneficiary designations actually set up to follow your wishes? In this episode, Tyler Emrick, CFA®, CFP®, breaks down the estate planning basics retirees should understand. From beneficiary designations and transfer-on-death instructions to wills, revocable trusts, irrevocable trusts, and powers of attorney, Tyler explains how the pieces of an estate plan work together. In this episode, Tyler covers: Why beneficiary designations and account titling should be one of your first estate planning reviews. What a will actually controls and why it doesn't avoid probate. When a revocable living trust may make sense. The key differences between revocable and irrevocable trusts. Why simply creating a trust isn't enough if assets aren't properly coordinated with it. The core estate planning documents retirees should consider. Why communicating your estate plan with family can be just as important as creating it. 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

Retirement is often imagined as the reward after decades of hard work—a time for travel, relaxation, and quality time with loved ones. But for many Americans, the anxiety of running out of money casts a long shadow over these golden years. Studies reveal that concerns about outliving savings are more prevalent than fears of dying prematurely. This week we're discussing the five key reasons retirees run out of money and sharing practical steps you can take to secure your financial future.   You will want to hear this episode if you are interested in... [02:16] Even high-income retirees are at risk of running out of cash [03:43] Three phases of retirement spending: go-go, slow-go, and no-go years  [04:31] Planning an intentional withdrawal strategy in retirement [07:40] Rules of lending or gifting money to family [12:46] Managing long-term care costs [14:59] Retirement fund inflation risks [16:21] Maintaining significant portfolio exposure to stocks (at least 60%)    The Hidden Risk to Longevity   One of the most common pitfalls is overspending, especially in the early years of retirement. The excitement of newfound freedom often encourages retirees to start ticking off bucket-list items such as home renovations, travel, and hobbies without a clear plan. Retirement can last 30 years or longer, and spending too aggressively early on can have dire long-term consequences. There are three phases of retirement: the "go-go" years marked by active spending, the "slow-go" years when travel and activities slow down, and the "no-go" years when health and mobility may limit expenses. Adopting a dynamic withdrawal strategy, such as the Guyton-Klinger guardrail approach, allows you to adjust spending based on portfolio performance and inflation, reducing the probability of running out of money. Helping Family at Your Own Expense   Of course you'll want to help out your kid or the wider family support is natural, but extending excessive financial help can jeopardize your own stability. Gifting or lending money to grown children or other relatives requires careful consideration. Ask yourself if you can really afford to part with the funds, and whether the risk to the relationship is worth the potential fallout if the money isn't repaid. If you cannot comfortably give the money, it's wise to set boundaries. Remember, if your retirement funds run dry, returning to the workforce may not be an option.   Underestimating Healthcare and Long-Term Care Costs   Unexpected medical expenses can wipe out retirement funds quickly, especially for those retiring before age 65, when Medicare coverage begins. Private health insurance can cost as much as $1,000 per month for an individual and double for a couple.  Long-term care is another important consideration. Home care may run $40,000 to $80,000 annually, while nursing facility care can reach $190,000 per year, with average stays of 2.5 years. Protect yourself by exploring options like long-term care insurance or irrevocable trusts to shield assets if extended care is required.   Inflation Causes Hidden Erosion   Even low annual inflation compounds over decades, silently shrinking your purchasing power. Social Security, especially with its cost-of-living adjustment, can help offset this, but many pensions and fixed investments cannot. Keeping at least 60% of your portfolio in stocks gives the best chance of growth that outpaces inflation, ensuring your income maintains its real value. The prospect of running out of money in retirement is daunting, but it's not inevitable. By balancing spending, setting boundaries around family assistance, preparing for health-related costs, and protecting against inflation, you can stack the odds in your favor. Resources Mentioned   Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Allianz Life's 2026 Annual Retirement Study  Retirement Security Research Center  Guyton-Klinger Guardrail Withdrawal Strategy  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Do retirees actually run out of money? After reading hundreds of real retirement stories from people who did, one pattern became clear: it usually wasn't poor investing that caused the problem. In this episode, we discuss the six most common reasons retirement plans fail and what you can do now to protect yourself.  Use our free retirement stress test assessment tool https://www.carrolladvisory.com/pl/2148821257  Title: 7 Social Security Rules Every Retiree Needs to Know Description: Smart retirees can still miss important Social Security rules. In this episode, we cover 7 common rules that even well-informed retirees often overlook, and how those blind spots can affect taxes, benefits, and the overall retirement plan. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

A Corebridge Financial's decumulation study found 70% of American retirees say it's "very important" that their nest egg doesn't shrink in retirement. Another result found 38% say they've spent less than they wanted to-  but not because the money isn't there. They spent less specifically to keep the balance from going down. We go over more results from the study and what they mean in today's episode. In our Listener Question segment, a married person has two pensions. While he's alive, the guaranteed income covers everything. If he dies first, his wife loses half of it. So how do you account for that WITHOUT drastically underspending your portfolio?  Finally, we wrap up the show with our Retire To Something segment.   Resources: Article by Vawn Himmelsbach in Moneywise: 'It's not the climb up. It's the way down': 38% of retirees have trouble spending their money  Read And Feed program: https://readandfeed.org   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  

It's Indicators of the Week!On today's episode: Retirees get a bump in benefits; credit card debt delinquency at a historically high level; and the dating app Bumble on a serious decline — Men first! IRL events! What will work! Fact checking by Cooper Katz McKim and Vito Emanuel.Your Next Listen — Trying to fix the dating app backlashConnect with The Indicator — Sign up for The Indicator's weekly newsletter!— Buy the Planet Money book— Find our socials, YouTube and more!— For sponsor-free episodes, subscribe to NPR+ Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show's perks include sponsor-free listening. Learn more at plus.npr.org.See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Headlines say Social Security is going bankrupt, but the real story is far more nuanced, and understanding it could help you make smarter retirement decisions before it's too late. In this episode, you'll learn: What the latest 2026 Trustee Report reveals Why retirees could still receive benefits, even without Congressional action How AI, longevity, and future productivity could change the outlook The most likely solutions Congress could pursue How to stress test your retirement income plan for multiple Social Security scenarios Today's article is from the Center for Retirement Research at Boston College titled, Social Security's Financial Outlook: The 2026 Update in Perspective. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/579

You saved. You invested. You did everything right. So why does spending your own money in retirement feel so terrifying? This week, Jean sits down with Terri Fiedler, President of Retirement Services at Corebridge Financial, to dig into why the spending side of retirement is so much harder than saving, and what you can do about it right now. They cover: The "retirement paradox": why 60% of retirees whose assets have grown still can't bring themselves to spend Why guaranteed lifetime income is the single biggest confidence booster for retirees The three questions everyone should be asking five to ten years before they retire Resources mentioned in this episode: Corebridge Financial's decumulation research: corebridgefinancial.com/decumulation Jean's new book: The Forever Paycheck HerMoney's conversation with Dana Anspach: The Retirement Phase Nobody Talks About Learn more about your ad choices. Visit megaphone.fm/adchoices