Podcasts about retirees

WWW.ADVENTUREFREAKSSS.COM – GoStraight to the Source!How to work with me: =================================

Tony Drake looks at the overall market. Working mainly with retirees, he says “proactive portfolio management” is important, looking for high dividends and tax-efficient strategies. They need to “balance stability and growth,” he continues. He also likes domestic-focused sectors, and potentially long-term, the tech sector.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Today, I'm speaking with Larry Swedroe. Larry is the former Chief Research Officer at Buckingham Strategic Wealth, an accomplished author with 18+ books on investing, and a true pioneer in evidence-based investing. He's also a well-known advocate for cutting through the financial media noise to focus on strategies that actually work. In Larry's latest book, Enrich Your Future: The Keys to Successful Investing, he distills decades of financial wisdom into 40 powerful stories that make investing principles easy to understand and apply. In our conversation, Larry shares the science behind behavioral finance and explains why most investors fall prey to emotional biases, media hype, and market timing traps. We also dive into why passive investing remains a leading strategy among investors, how to truly measure risk, and why a globally diversified portfolio beats stock-picking in the long run.  GET FREE ACCESS TO LARRY'S BOOK TITLED, ENRICH YOUR FUTURE: THE KEYS TO SUCCESSFUL INVESTING Here's all you have to do... Step 1.) Subscribe to the podcast and leave an honest rating & review over on iTunes. Step 2.) Text the word BOOK to 866-599-4491 and we'll make sure you get signed up for free. It's that simple! In this podcast interview, you'll learn: Why passive investing isn't just a trend—it's a game-changer for wealth-building. The biggest mistakes investors make and how to avoid them. The difference between risk and uncertainty, and why most investors get it wrong. Why the market is smarter than any single investor and what that means for your portfolio. How to structure an investment portfolio based on empirical research, not emotions. The surprising link between retirement, purpose, and mental health—especially for retired men. Show Notes: RetireWithPurpose.com/494

Redefining Retirement Income: Insights from Chancery Lane's CEODoug Brodie, CEO of Chancery Lane, a firm specializing in retirement income planning, discusses the evolving landscape of pension schemes. Brody critiques the industry's focus on pension pots rather than sustainable income and offers an outcome-driven approach. We also explore the mechanics of investment trusts, a lesser-known instrument that could bypass complex asset allocation challenges for retirees.LINKSDoug Brodie on Linkedin: https://www.linkedin.com/in/doug-brodie-income-investment-plannersChancery Lane: https://www.chancerylane.net/Related episodes on Pensions: https://www.youtube.com/playlist?list=PLbJ1012cgPCAy2NXMIob3W30DXM3rF3OM

On this week's episode of Women Speak — a segment on Northeast Newscast — hosts Northeast News Editor-in-Chief, Julia Williams and former Missouri House Representative for District 19 Ingrid Burnett sat down with UAW local 249 retiree (Ford Motor Company) Shirley Mata to continue our series on women who influence policy. Throughout this episode, Mata shares her story as a former union worker including activism she has taken part in around the Kansas City metro — including Fight for 15 in a Union. Mata additionally discusses her inspirations and the importance of equal pay for women. Burnett and Williams discuss happenings within the Missouri State House in Jefferson city — including current leadership. At the time this podcast was recorded, Burnett mentioned the role of Minority Floor Leader Ashley Aune who was experiencing a recall of her role within the House. However, following the Missouri House's return from its legislative spring break session on March 24, Aune's role was reaffirmed as the Missouri House of Representatives minority floor leader. Additional bills are also discussed including open enrollment. Music used within Women Speak episodes is a song called “Ready to Talk” by Kansas City local artist Honeybee and the group's lead female vocalist, Makayala Scott. Ready to Talk is off of Honeybee's first studio extended play (EP) record, “Saturn Return,” which was released in March 2024. Honeybee's latest single “I Wish I knew You Then,” is now available on its streaming platforms. “I wish I Knew You Then” and additionally Honeybee tracks are available on Spotify, Apple Music, Youtube, TIDAL and Youtube Music. *Disclaimer* Ready to Talk and any future Honeybee songs used by The Northeast News within the Women Speak podcasts are courtesy of and approved by Makalya Scott and Honeybee under proper copyright law. Honeybee songs are not royalty free nor subject to free use and should not be used by additional publications or organizations without proper consent. This podcast as well as all Women Speak episodes are made possible by The Northeast News, Northeast Kansas City Chamber of Commerce and Independence Avenue Community Improvement District. 

Craig Bolanos, co-founder and wealth advisor at VestGen Wealth Partners, joins Bob Sirott to talk about why people are keeping a close eye on bond markets and the possibility of a recession. He also shares the best advice for people who are either close to or at retirement. For more information on VestGen Wealth Partners, […]

In this episode, financial advisors and retirement planners Jim Martin & Casey Three-Point Bibb discuss how taxes can often be the largest expense for retirees and what can be done to mitigate their impact. The conversation covers common tax pitfalls, strategic use of tax-deferred accounts like IRAs and 401(k)s, and effective strategies such as Roth conversions, tax-efficient withdrawal plans, and Qualified Charitable Distributions (QCDs). The hosts provide actionable insights and highlight the importance of working with a tax-aware financial advisor. The show concludes with answers to listener questions about managing old 401(k)s and handling market volatility in retirement. http://retirewithmartin.com/

First piloted in 1997 at One Tree Hill College - the Rotary Reading Enrichment Programme has grown to cover eight schools, and two more set to begin on Waiheke Island next term. 

Gloria Harris has been running a ruhu nohinohi little owl and ruru morepork rescue service for 30 years. "I've probably cared for close to 300 birds," she told Country Life proudly. You can find photos and read more about this story on our webpage, here.Go to this episode on rnz.co.nz for more details

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. 5 easy steps to clean your portfolio: https://moosemarkets.com/webinar Download the Rockstar list here: https://moosemarkets.com/rockstars Join the Retirement Loop waitlist here: https://dividendstocksrock.com/loop Why I prefer low yield vs high yield: https://moosemarkets.com/income

​What are Americans really concerned about when it comes to retirement? In this episode, we unpack the results of an insightful survey from Financial Advisor Magazine, which was completed by over 400 financial advisors. We'll also compare these answers with the real-world concerns we hear every day from the clients in our own practice.   Here's some of what we discuss in this episode:  

Retirees have leveraged the traditional IRA for decades to invest and save, but is it still the best tool for today's retirement landscape? IRA expert Ed Slott recently called the traditional IRA “the worst possible asset to own,” which is a bold statement. If this is true, when did it all change, and what are some better options? In this episode, we'll explore the validity of this statement and have a real conversation about investing and taxes.  Here's what we cover in this episode:

Retirees usually think the tax decisions are done once they stop working. But the truth is, many are sitting on large pre-tax balances that can quietly lead to bigger tax bills later—especially when required minimum distributions kick in or a spouse passes away. It's not just about saving money, it's about how that money is taxed when you actually need to use it. Roth conversions offer a way to shift those tax liabilities earlier, on your terms. I explain when that tradeoff makes sense and when it doesn't, using clear, real-world examples. You'll hear how a couple with zero current tax liability converted money without paying a dime, and why converting in a year with lower income or a temporarily down market might open the door to big savings. I'll also break down why legacy plans, filing status changes, and Social Security taxation are key pieces of the puzzle. You will want to hear this episode if you are interested in... (0:00) The ins & outs of Roth conversions (1:55) The three tax buckets that shape retirement (6:32) When conversions are a no-brainer (and when they're not) (9:54) How your tax bracket—and filing status—change the math (17:05) Roths as a better inheritance for your kids (24:57) Clearing up common Roth misconceptions Resources & People Mentioned 3 Steps to Retirement Planning Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made EasyOn Apple Podcasts, Spotify, Google Podcasts

On this episode: Should your retirement income always come from the same place? Avoiding one of the biggest retirement mistakes. Many people who take a lump sum pension are out of money in 5 years. The main questions people are asking their financial advisors right now. Like this episode? Hit that Follow button and never miss an episode!

Relying too much on Social Security? You're not alone—over 40% of retirees count on it for at least half their income. But that safety net has some major gaps. In this video, I break down four key reasons why Social Security isn't enough—and what you can do to secure a more stable retirement. Questions answered:1. Why is it a mistake to rely too heavily on Social Security for retirement income?2. What are some strategies to supplement Social Security income in retirement?Submit your request to join James:On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply HereTimestamps:0:00 - One-off expenses1:34 - Inflation & CPIW4:21 - Tax on provisional income7:33 - Peace of mind8:33 - Maximize your benefit9:22 - Supplement SS10:24 - Leverage your homeCreate Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Violi Calvert felt something extraordinary when she met the legendary tattoo artist, Apo Whang-Od. - Ayon sa 75-year old writer, retired broadcaster at public servant Violi Calvert kakaiba ang kanyang naramdaman ng masilayan ang legendary tattoo artist na si Apo Whang-Od.

In this episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the Retirement Checklist Challenge, a structured approach to evaluating how prepared you are for retirement. They introduce a Retirement Checklist covering Retirement Income Planning, Tax-Efficient Retirement Strategies, Medicare and Retirement, Long-Term Care Planning, Risk Management, and Estate Planning for Retirees. The goal of the challenge is to help you assess your readiness by scoring yourself on 34 key factors that contribute to a Secure Retirement Plan.Listen in to learn about Financial Planning for Retirement, strategies for Retirement Savings, and ensuring a stress-free transition to retirement. Whether you're already retired or preparing for the next phase, this episode will help you plan for retirement effectively, identifying potential gaps in your strategy. You'll also learn how to access the full Retirement Checklist to take the challenge yourself!In this episode, find out:· Why Retirement Income Planning is crucial to maintaining financial security.· How to evaluate your Social Security Strategies and income sources.· The importance of Tax-Efficient Retirement Strategies to minimize tax burdens.· How to assess your Medicare and Retirement options effectively.· The role of Risk Management and diversification in protecting your retirement.Tweetable Quotes:"A well-prepared retirement starts with understanding your income, healthcare, and tax strategies—take the Retirement Checklist Challenge to see where you stand!" – Radon Stancil"Retirement planning isn't just about saving money—it's about ensuring you have the right strategy for income, taxes, healthcare, and long-term security." – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

Are you ready to build a solid foundation for your retirement?In this video, we're diving into the concept of the 3-Legged Stool of Retirement—a simple but powerful framework to help you understand and balance your retirement.The three three legs of the retirement stool represent Time, Health and Money.   But in today's ever-changing world, those legs may look a little different for each person.Today,  I'll break down each component, explain how they work together, and how important they are to make your retirement remarkable. Whether you're just starting to plan or you're already retired and looking to reassess, this video will give you practical tips, real-world examples, and a fresh perspective on creating a retirement strategy that works for YOU.Please consider joining our Facebook group at www.facebook.com/groups/lifestartsatretirement

Total Wealth & Wellness Radio

On this episode: Is this market event short, or long term? Doing the math on your retirement date. Dave Ramsey has helped a lot of people get out of debt, but his advice on Social security is a little suspect. Like this episode? Hit that Follow button and never miss an episode!

Governor Josh Stein released his state budget proposal on Wednesday. It fell short for state employees, retirees, and taxpayers. Stein proposed a 2% pay raise and bonuses for state employees and retirees while not fully funding the state retirement system. In this episode, we break down the plan's potential impacts and long-term implications on the budget debate. We also explore the broader economic context, addressing concerns over the underfunded retirement system, the potential privatization of certain state functions, and the challenges of maintaining public services amidst staff shortages.

In this episode, Josh Nelson talks about Qualified Charitable Distribution which is a direct transfer of funds from your IRA to a qualified charity. Unlike regular withdrawals from your IRA, which are almost always taxable, QCDs allow you to donate money tax free. To help understand he answers 2 important questions. 1) Can I take an itemized charitable deduction for my QCD on my income taxes? 2) How do I set this up? Instagram: https://www.instagram.com/keystonefin/Twitter: https://twitter.com/Keystone_Fin?advisorid=33004651Contact Josh Nelson: https://www.keystonefinancial.comContact Jeremy Busch: https//www.keystonefinancial.comPodcast Editing: Tim Leaman/info.primegen@gmail.com

Send Us A Message! Let us know what you think.Topic #1:  Good Returns 4th of March - Rise in retiree renters to influence data in decades to comeTopic #2: NZ Herald 4th of March -What is NZ's biggest KiwiSaver balance?Topic #3: RNZ 5th of March - Number of pensioners needing rent help nears 50,000Topic #4: 1News 6th of March - Modest growth in property values in February - CoreLogicTopic #5: Good Returns 6th of March - Longer-term mortgage rates near cycle lows#propertyapprenticenz #investingadvice #mortgagerates #interestrates #rentalproperty #landlording #newzealand #propertymarket Support the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Australian retirees could become one of the richest senior's groups in the world by 2031, according to new research by the Super Members Council. However, advocates and economists are concerned that the majority of Australian retirees aren't still able to share the prosperity. - Secondo una nuova ricerca del Super Members Council, entro il 2031 i pensionati australiani potrebbero diventare uno dei gruppi di anziani più ricchi del mondo. Tuttavia, i sostenitori e gli economisti sono preoccupati che la maggior parte dei pensionati australiani non sia ancora in grado di condividere questa prosperità.

Australian retirees could become one of the richest senior's groups in the world by 2031, according to new research by the Super Members Council. However, advocates and economists are concerned that the majority of Australian retirees aren't still able to share the prosperity. - Secondo una nuova ricerca del Super Members Council, entro il 2031 i pensionati australiani potrebbero diventare uno dei gruppi di anziani più ricchi del mondo. Tuttavia, i sostenitori e gli economisti sono preoccupati che la maggior parte dei pensionati australiani non sia ancora in grado di condividere questa prosperità.

Jac Blanco provides a compelling narrative about his life and experiences since relocating to Detroit from Chattanooga, Tennessee. The conversation between Mark Goldstein and Jac explores several aspects of life in Detroit, particularly for members of the LGBTQ+ community considering retirement. They begin by examining the city's climate, where Jack describes the four seasons and offers insights into the weather patterns that have changed over the years. He shares how winters can be surprisingly mild compared to his previous experiences in the Northeast, making Detroit a more manageable retirement place. The talk shifts to the cost of living, emphasizing that despite the city's past economic struggles, the real estate market remains affordable, with average home prices around $100,000, making it an attractive option for retirees looking to settle down without breaking the bank. Jac shares his passion for home restoration, particularly his and his partner Shane's efforts in restoring a historic greenhouse conservatory in their neighborhood of Palmer Woods. This personal touch adds a relatable element to the discussion, showcasing the beauty of Detroit's architecture and the sense of community that comes with living in such an area. The conversation also highlights Detroit's cultural scene, with Mark and Jac praising the city's art galleries, theaters, and diverse culinary offerings. They touch on the Detroit Institute of Arts, which has been recognized as one of the best in the country, and Jack's enthusiasm for the various dining experiences available, from fine dining to local favorites. Throughout the episode, listeners are encouraged to view Detroit through a new lens that celebrates the city's revival and the opportunities it presents to those in the LGBTQ+ community.The dialogue takes a reflective turn as Mark and Jac discuss the safety of the city, addressing the lingering stereotypes about crime in Detroit. They emphasize that while crime can occur in any city, Detroit has significantly declined criminal activity. Jack reassures potential movers that his neighborhood feels safe, even for late-night walks, and that the community is becoming more vibrant and inclusive. With a focus on the importance of community and connection, the episode wraps up with a positive message about the future of Detroit, encouraging those from the LGBTQ+ community to consider this city as a welcoming and enriching place to retire. The conversation ultimately paints a picture of Detroit as a city that is recovering from its past and thriving in its present, ready to embrace new residents with open arms and a vibrant lifestyle.Takeaways: Detroit's real estate market offers diverse options, with homes ranging in affordability and historic charm. The city's healthcare system is robust, with specialized services for the LGBTQ community. Crime rates in Detroit have significantly decreased, making neighborhoods safer for residents. The vibrant arts and culture scene in Detroit includes renowned museums and theaters. Transportation options are expanding in Detroit, making it easier to navigate the city. Jac Blanco encourages thorough research for retirees considering Detroit, highlighting its many positive attributes. Links referenced in this episode:www.wheredogaysretire.comJac BlancoJac Blanco was born in Miami, Florida; however, soon after he was born, his family relocated to New Jersey and was raised in the NYC metro area of Bergen County, New Jersey. Jac lived in NJ until 2010, when he relocated to Chattanooga, Tennessee, for a new job opportunity. Jac met his current partner, Shane, in 2014 while living in Chattanooga. In March of 2016, Jac and Shane...

Italy offers several attractive flat tax regimes for retirees, high-net-worth individuals, and freelancers looking to establish residency in the country. Whether you're a pensioner seeking a lower tax rate on foreign income, an investor exploring Italy's fixed annual tax option, or a freelancer wanting to take advantage of reduced tax obligations under the regime forfettario, these programs can make relocating financially beneficial. With potential tax rates as low as 5% for small business owners and a flat 7% for retirees moving to Southern Italy, these incentives offer significant savings compared to the standard progressive tax system. However, factors like eligibility rules, income thresholds, and visa requirements for non-EU citizens should be carefully considered to determine which program best fits your situation. In this episode of the Italian Real Estate Podcast hosted by Italian attorney, Marco Permunian, and dual citizen expat podcaster, Rafael Di Furia, we'll learn more about how these tax regimes work, who qualifies, and how they can benefit those looking to make Italy their home.For help with buying a home in Italy, and more information about Italian Real Estate Lawyers visit IREL's website:https://ItalianRealEstateLawyers.comTo contact Italian Attorney Marco Permunian and his team, you can use the contact form on the Italian Real Estate Lawyers website: https://italianrealestatelawyers.com/contact-us/Also to see more from Rafael Di Furia about life in Italy and life as a dual citizen check out his YouTube channel and website:http://YouTube.com/RafaelDiFuriaHttp://RafaelDiFuria.comTopics & Timestamps:0:00 – Intro & Opening Thoughts0:41 - Tax Residency in Italy2:26 - 7% Flat Tax Regime for Pensioners5:00 - Minimums/Maximums for the 7% Flat Tax Regime6:42 - Flat Tax Regime for High-Net-Worth Individuals9:51 - Flat Tax Regime for Freelancers12:29 - Closing Thoughts & Outro

Jac Blanco provides a compelling narrative about his life and experiences since relocating to Detroit from Chattanooga, Tennessee. The conversation between Mark Goldstein and Jac explores several aspects of life in Detroit, particularly for members of the LGBTQ+ community considering retirement. They begin by examining the city's climate, where Jack describes the four seasons and offers insights into the weather patterns that have changed over the years. He shares how winters can be surprisingly mild compared to his previous experiences in the Northeast, making Detroit a more manageable retirement place. The talk shifts to the cost of living, emphasizing that despite the city's past economic struggles, the real estate market remains affordable, with average home prices around $100,000, making it an attractive option for retirees looking to settle down without breaking the bank. Jac shares his passion for home restoration, particularly his and his partner Shane's efforts in restoring a historic greenhouse conservatory in their neighborhood of Palmer Woods. This personal touch adds a relatable element to the discussion, showcasing the beauty of Detroit's architecture and the sense of community that comes with living in such an area. The conversation also highlights Detroit's cultural scene, with Mark and Jac praising the city's art galleries, theaters, and diverse culinary offerings. They touch on the Detroit Institute of Arts, which has been recognized as one of the best in the country, and Jack's enthusiasm for the various dining experiences available, from fine dining to local favorites. Throughout the episode, listeners are encouraged to view Detroit through a new lens that celebrates the city's revival and the opportunities it presents to those in the LGBTQ+ community.The dialogue takes a reflective turn as Mark and Jac discuss the safety of the city, addressing the lingering stereotypes about crime in Detroit. They emphasize that while crime can occur in any city, Detroit has significantly declined criminal activity. Jack reassures potential movers that his neighborhood feels safe, even for late-night walks, and that the community is becoming more vibrant and inclusive. With a focus on the importance of community and connection, the episode wraps up with a positive message about the future of Detroit, encouraging those from the LGBTQ+ community to consider this city as a welcoming and enriching place to retire. The conversation ultimately paints a picture of Detroit as a city that is recovering from its past and thriving in its present, ready to embrace new residents with open arms and a vibrant lifestyle.Takeaways: Detroit's real estate market offers diverse options, with homes ranging in affordability and historic charm. The city's healthcare system is robust, with specialized services for the LGBTQ community. Crime rates in Detroit have significantly decreased, making neighborhoods safer for residents. The vibrant arts and culture scene in Detroit includes renowned museums and theaters. Transportation options are expanding in Detroit, making it easier to navigate the city. Jac Blanco encourages thorough research for retirees considering Detroit, highlighting its many positive attributes. Links referenced in this episode:www.wheredogaysretire.comJac BlancoJac Blanco was born in Miami, Florida; however, soon after he was born, his family relocated to New Jersey and was raised in the NYC metro area of Bergen County, New Jersey. Jac lived in NJ until 2010, when he relocated to Chattanooga, Tennessee, for a new job opportunity. Jac met his current partner, Shane, in 2014 while living in Chattanooga. In March of 2016, Jac and Shane...

A new report says the Valley is a hotspot for single retirees. According to "Asset Preservation Wealth and Tax," Phoenix is tied for eighth place among "Best Cities for Single Retirees". We are talking about what factors have been helping that rating and why this is important for our aging population. 

This conversation focuses on the importance of spending wisely in retirement, overcoming the fear of financial insecurity, and understanding personal retirement goals. Steve and Derrick emphasize the role of annuities in providing a stable income stream and the need for comprehensive planning to ensure a comfortable retirement. They also highlight the supportive approach of the Hoyl Financial Group in helping clients navigate their financial futures. Get Your Complimentary Retirement Analysis Social Media: Facebook I Twitter See omnystudio.com/listener for privacy information.

Click here to work with us! Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't running out of money—it's not spending enough of it? A surprising new study reveals that retirees are withdrawing just 2% a year from their savings—barely half of what's traditionally considered safe. This cautious approach might seem responsible, but it often leads to unnecessary frugality, missed experiences, and larger-than-expected tax burdens later in life. The hesitation to tap into personal savings, even when there's plenty available, raises an important question: What's stopping retirees from spending with confidence? Research shows that retirees feel much more comfortable spending guaranteed income from sources like Social Security and pensions while being reluctant to withdraw from their own investments. This behavioral tendency can leave money unspent for decades, only to be forced out later through required minimum distributions (RMDs) that create tax inefficiencies. Meanwhile, large inheritances often arrive too late to make a meaningful impact on the next generation. Rethinking the 2% mindset means understanding what keeps retirees locked into ultra-conservative spending habits and finding ways to turn savings into income that feels reliable. A simple shift—such as automating monthly withdrawals or adjusting expectations around financial security—can open the door to a more fulfilling retirement. The money was saved to be spent, and spending it well can be just as important as saving it wisely. Spending too little can be just as costly as spending too much. With the right approach, retirees can enjoy their wealth now while keeping future financial security intact. Outline of This Episode (0:00) Why Retirees Spend Far Less Than They Could (1:46) The study: Retirees underspending their savings (3:33) Why the 2% problem exists (6:10) The impact of underspending on taxes & an inheritance (8:11) The role of financial planning & behavioral coaching (9:20) Possible solutions: Turning savings into reliable income (11:04) Listener question: A simple withdrawal plan Resources & People Mentioned The Retirement Podcast Network David Blanchett – Head of Retirement Research at PGIM DC Solutions Michael Finke – The American College of Financial Services Die With Zero by Bill Perkins – Book on intentional retirement spending Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify

Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash?Ari and I break down how to handle big one-off expenses into a three-part framework:Portfolio Sustainability – Can your investments handle both recurring and one-time expenses?Investment Allocation – Ensure your assets are positioned to avoid selling at a loss.Tax Optimization – Withdraw strategically to minimize lifetime taxes.The key? Plan ahead, align financial decisions with long-term goals, and make the most of your retirement funds.Submit your request to join James:On the Ready For Retirement podcast: Apply HereOn a Retirement Makeover episode: Apply Here  Timestamps:0:00 - Gary R's question2:52 - Can your retirement support it?4:43 - How should investments be allocated?6:28 - Have a tax strategy8:54 - A caution; a reminder about sleep12:03 - Intentionally set aside14:23 - Mental hang-ups and biases16:37 - The Collective CommunityCreate Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Break down the five financial habits of the happiest retirees—including how much money you really need, the power of multiple income streams, and why paying off your mortgage faster might boost happiness. Learn how rational optimism can fuel effective investing and how the 4% Plus Rule of thumb can typically keep you from running out of money. Then, discover the five lifestyle habits that make retirement fulfilling, from core pursuits (hobbies on steroids!) to the importance of independent kids, strong social connections, and travel with friends. Plus, Wes Moss and Christa DiBiase answer listener questions to tackle TSP (Thrift Savings Plan) rollovers, tax-efficient investing, RSU (Restricted Stock Units) strategies, and Medicare-friendly portfolio rebalancing. Your roadmap to financial freedom and a joyful retirement starts here on The Retire Sooner Podcast! Learn more about your ad choices. Visit megaphone.fm/adchoices

For some people, the idea of retiring and then getting another job is detestable. For others, they can't sit still and have to go find some other job. In this show, we discuss the benefits of taking on side gigs during retirement and explore five practical ideas that can help retirees stay engaged and financially secure. Here's what we discuss in this episode: 0:00 - Intro 1:52 – Consulting 2:43 – Teaching 3:48 – Selling Items Online 5:30 – Pet Sitting 7:03 – Retail 8:40 – How it impacts planning   Our website: https://principalpreservationservices.com/ Phone: (855) 987-8888 Contact our team: https://principalpreservationservices.com/wisconsin-minnesota-financial-services/   Get your exclusive first chapter of Mike's books: https://principalpreservationservices.com/books/ Check out our downloadable guides: https://principalpreservationservices.com/useful-financial-guides/   Check us out on YouTube: https://www.youtube.com/channel/UCJ6RRiWvkInUm_E3lg38T2g

Episode Summary In this episode, we welcome Kim Barber from Globetrotter Travel to discuss planning and budgeting for travel in retirement. Travel is a top priority for many retirees, but navigating costs, destinations, and logistics can be overwhelming. Kim shares expert advice on how to make the most of your travel budget, plan bucket-list trips, and find options for solo travelers. https://youtu.be/mB6wTNI16BM Key Takeaways: Start Planning Early – Booking in advance can help secure better pricing and spread out payments. Budgeting for Travel – A $10,000 annual travel budget can cover one big European trip or multiple smaller trips. Solo Travel Options – Group tours, women-only trips, and cruises can be great ways for solo travelers to explore safely. Bucket-List Trips – Destinations like African safaris, Antarctica, and Australia/New Zealand are popular among retirees. Health & Safety Considerations – Travel insurance is crucial, especially for medical coverage and emergency evacuations. Tourism Trends & Challenges – Some destinations are experiencing pushback from locals due to over-tourism and short-term rentals. Best Travel Advice: Be flexible and don't wait too long to take your dream trips—you never know what the future holds! Rapid Fire Questions with Kim: Best Beach Destination for Retirees? Hawaii Most Underrated Destination? Mexico Best City for Food Lovers? Seattle Best Budget-Friendly Country? Portugal, Mexico, Jamaica, Dominican Republic Favorite Hidden Gem? African safari Best Cruise Destination? Mediterranean Best Place for History Buffs? Europe Connect with Kim Barber & Globetrotter Travel:

10 Habits of the Happiest Retirees Are you dreaming of a truly happy retirement? Fiduciary financial advisor Wes Moss reveals the 10 key habits of those who are living their best post-work lives, based on years of research. In today's Ask an Advisor episode, Wes dives into both the financial and lifestyle choices that make all the difference. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the March 4, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes: Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

To encourage Americans to save for retirement, Congress has set up tax-favored accounts. While these accounts offer plenty of benefits, there are some pitfalls when it comes to how and when you contribute to them, or take money out. Wall Street Journal reporter Laura Saunders joins host Ariana Aspuru to discuss what you need to know about IRAs, 401(k)s, contribution limits and penalties. To hear WSJ's cheat sheet for tax information related to homeowners listen here. For issues related to investing, listen here. And our series on Tax Season 2025, can be found here. Sign up for the WSJ's free Markets A.M. newsletter.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Investor's heads are spinning right now.  Between severe market volatility, falling interest rates on their fixed income investments and stubborn inflation, they don't know where to turn.  Now imagine if you are a retiree facing these same problems, but you are on a fixed income?  This afternoon on the Jon Sanchez Show at 3pm, we're going to share with you 9 current risks today's retirees are concerned with and how to overcome them.

With average monthly expenses in retirement reaching around $5,000, retirees must navigate a delicate balance between enjoying their golden years and ensuring their savings last a lifetime. Today's Stocks & Topics: SCHD - Schwab US Dividend Equity ETF, Market Wrap, BAH - Booz Allen Hamilton Holding Corp., CIVI - Civitas Resources Inc., TSLA - Tesla Inc., 401k Rollover, Average Retiree Spending: Will You Have Enough?, AKAM - Akamai Technologies Inc., AVGO - Broadcom Inc., INTC - Intel Corp., Student Loans, GSEW - Goldman Sachs Equal Weight US Large Cap Equity ETF, RJF - Raymond James Financial Inc., U.S Tariffs Against China, Mexico and Canada.Our Sponsors:* Check out Fabric: https://fabric.com/INVESTTALK* Check out Kinsta: https://kinsta.com* Check out Trust & Will: https://trustandwill.com/INVESTAdvertising Inquiries: https://redcircle.com/brands

Jean Chatzky explores how retirement trends indicate that the middle class is winning at retirement and shares practical tips to prepare for retirement in 2025.

Mark Goldstein hosts a vibrant discussion on retirement options within the LGBTQ community, focusing on the contrasting cities of Albuquerque, New Mexico, and Tucson, Arizona. The episode features insights from prominent guests Pam Myers and Jeff Schucart, who share their personal relocation experiences to these cities. The conversation starts with comparing each city's climate, cost of living, and safety, providing a comprehensive analysis for those contemplating retirement in a welcoming environment. Both guests highlight the unique charm of their chosen cities, emphasizing the importance of community, cultural activities, and a supportive atmosphere for LGBTQ individuals. Pam discusses Albuquerque's artistic and cultural offerings, mentioning its recognition as a top food destination and the city's vibrant pride events. Meanwhile, Jeff outlines Tucson's diverse culinary scene and rich outdoor activities, suggesting that both cities offer a plethora of opportunities for engagement and socialization. Listeners are left with valuable advice on making informed decisions about their retirement locations and a sense of optimism about the welcoming nature of these cities for the LGBTQ community.Takeaways: Mark Goldstein hosts a vibrant discussion comparing the unique aspects of retirement in Albuquerque and Tucson, emphasizing climate, culture, and community. Pam Myers shares her deep passion for Albuquerque's rich arts scene and diverse food culture, especially its famous chili cuisine. Jeff Schukart highlights Tucson's recognition as a UNESCO City of Gastronomy, showcasing its culinary diversity and vibrant local dining options. Both guests emphasize the importance of community and inclusiveness within the LGBTQ population in their respective cities, fostering connections. The conversation touches on the rising cost of living and housing market trends in both cities, highlighting affordability for retirees. Listeners gain insights into healthcare access and the importance of considering crime rates when choosing a retirement destination. pamm meyersPamm Meyers is a storyteller, dynamic leader, and advocate dedicated to fostering prosperity within the LGBTQIA community through business innovation and social advocacy. With a multifaceted background, Pamm has become a trailblazer in various fields, leaving an indelible mark on New Mexico's LGBTQIA and business communities.As CEO of Go Social, Pamm Meyers is at the forefront of digital marketing and podcasting solutions for business owners and organizations. Her visionary approach has empowered countless ventures to harness social media's potential, unlocking new avenues for growth and engagement. Pamm is a driving force behind her clients' success, leveraging the power of connectivity to elevate their brands through digital marketing and podcasting.Pamm is also the managing partner of Two Flower Productions, a podcasting company that produces “Lip Service: The Podcast of Our Coming Out Stories” https://lipservice.media, which boasts over 4,800 subscribers in 39 countries, and “3Q: New Mexico's Business Podcast” https://3qnm.com, which has over 4,439 subscribers in New Mexico.Previously, Pamm served as the Executive Director of the New Mexico Out Business Alliance. She is currently a Board Advisor for the Way Out West Film Fest https://wayoutwestfilmfest.com/ and the Albuquerque Community Foundation Pride Circle https://abqcf.org/pride-circle/, supporting the LGBTQIA community through...

In this conversation, Josh and Nick Robinson delve into the intricacies of living in the Algarve, discussing its diverse towns, cultural shifts, and the impact of tourism. Nick shares insights from his extensive experience in the region, highlighting the seasonal changes, the rise of luxury real estate, and the evolving demographics of residents, including an influx of families and digital nomads. They also explore the contrasts within Faro and the growing culinary scene, painting a comprehensive picture of life in the Algarve. Green Ocean Global Financial Advisor: Book a call with John here- http://www.calendly.com/johnoceansgreenChoose the ExpatsEverywhere intro call and you'll get a free 15 minute call with him to see if you would like to work with him.Algarve Addicts Website - https://algarveaddicts.comTheir Services - https://algarveaddicts.com/services/ ★ Support this podcast on Patreon ★

Click here to work with us! A lot of retirees assume their tax situation gets simpler once they stop working, but that's not always the case. There are plenty of ways high-net-worth retirees end up paying more than they need to—sometimes without even realizing it.  Maybe it's interest and dividend income getting taxed at higher rates, or IRA withdrawals happening earlier than necessary. Maybe it's something as simple as missing the right way to report charitable giving. These things add up, and over time, they can quietly eat away at retirement savings. Some of the biggest inefficiencies show up on tax returns in ways people don't always expect. Social Security benefits taken too soon, mutual funds kicking off surprise capital gains, or estimated tax payments falling short and triggering penalties—it all matters.  There are ways to structure income, investments, and withdrawals to keep more of what's earned, but they take a little planning. The goal isn't just to minimize taxes for the sake of it, but to make sure every dollar is working as efficiently as possible. Most of these inefficiencies can be fixed with a few small adjustments. Some require a different way of thinking about income in retirement, others just mean taking advantage of tax rules that are already there. Either way, it's worth a closer look. A little awareness now can mean thousands saved over the years.  Outline of This Episode (0:00) Inefficiencies on Rich Retirees' Tax Returns (4:07) Top tax inefficiencies: Interest, dividends, and premature IRA withdrawals (6:52) Charitable distributions, Social Security timing, and phantom capital gains (9:33) Capital gains, charitable intent, and avoiding underpayment penalties (12:24) Listener question: Travel spending habits of wealthy retirees (19:05) Listener question: Callable CDs and interest rate risk (21:16) Closing thoughts and practical takeaways Resources & People Mentioned The Retirement Podcast Network Kiplinger's Article TurboTax Safe Harbor Guide Fidelity Charitable Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify

Hans and Robby are back again this week with a brand new episode! This week, they discuss IRMAA aka the medicare surtax for high income retirees for 2025.  Don't forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

You want to ensure you have all your ducks in a row before entering retirement. Today, we're pulling back the curtain on the biggest retiree regrets so that they don't become yours too.  In this episode, we discuss:  Do you need to be a millionaire to retire? The Social Security “breakeven” number Pros and cons of bringing debt into retirement Preparing for a forced retirement Today's article is from The Retirement Manifesto titled, 5 Top Regrets of Retirees (and how to avoid them). 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. Our Market Outlook Webinar is live! Visit https://bit.ly/4bmHkUb to register. Show Notes: RetireWithPurpose.com/485 Rate & Review the Podcast: RetireWithPurpose.com/review

Download our FREE 6-Step Retirement Transformation Guide! In this episode, we dive into the eye-opening Business Insider article, "America is Doing Retirement All Wrong"—and why spending your golden years doing nothing might not be the dream it seems. While relaxation is well-deserved after decades of work, research shows that too much leisure can actually negatively impact your happiness and health. But don't worry—we've got you covered! Stick around to the end as we share 7 quick tips to help you reshape your retirement for more purpose, joy, and fulfillment. Whether you're already retired or planning ahead, these simple adjustments can make a world of difference. Referenced: "America is Doing Retirement All Wrong" https://www.businessinsider.com/america-is-doing-retirement-all-wrong-boomers-aging-longevity-happiness-2024-12 #retirement_transformed #retirementcouple #retirement BUY MARK'S BOOK! The Evolving Man: Life Virtues Men Don't Talk About USEFUL FINANCIAL TOOLS https://geni.us/new_retirement Use this link for a FREE 14 Day Trial! [Get the FREE Downsizing Guide] How to prepare to downsize your home

Social Security, signed into law 90 years ago by President Franklin Roosevelt, is the financial foundation of retirement in America. But it's not just those getting to retire who feel positive impacts from the retirement benefits — more children living with older adults are benefiting from Social Security too. Also on the show: new tariffs on steel and aluminum imports and a summit on artificial intelligence.

Social Security, signed into law 90 years ago by President Franklin Roosevelt, is the financial foundation of retirement in America. But it's not just those getting to retire who feel positive impacts from the retirement benefits — more children living with older adults are benefiting from Social Security too. Also on the show: new tariffs on steel and aluminum imports and a summit on artificial intelligence.

Today we talk The Soul of Wealth with Daniel Crosby, a behavior finance expert. Daniel shares his transition from clinical psychology to Wall Street due to burnout and his realization that finance is deeply rooted in human behavior. Highlighting the PERMA model from positive psychology, he emphasizes that true well-being requires balancing positive experiences, meaningful work, relationships, purpose, and personal growth—rather than just financial success. Daniel discussed how there has been a shift financial behavior, with younger generations prioritizing values-driven investing over pure profit. Join us as we discuss how to have a more fulfilling financial life! Today we discuss...  Daniel Crosby shares his background as a clinical psychologist who transitioned into behavioral finance. Behavioral finance is central to investing, shaping individual and institutional decisions. How people often optimize for material success (positive experiences) at the expense of deeper fulfillment. The PERMA model, a framework for well-being that balances pleasure, engagement, relationships, meaning, and achievement. How Wall Street culture can lead to extreme work habits, burnout, and misplaced priorities. Crosby emphasizes the importance of integrating life balance early, rather than delaying happiness for financial success. The role of money in social change, noting that financial tools have historically driven major civil rights movements. The Montgomery Bus Boycott, sparked by Rosa Parks, demonstrated the power of financial pressure in the civil rights movement. Younger generations increasingly recognize that spending money is a form of voting for the world they want to live in. Gen X is often overlooked politically, partly because they tend to be cynical and disengaged from politics. Financial decisions can be more powerful than political votes, as they influence the economy and corporate behavior daily. Consumer spending decisions significantly impact businesses and shape the economy more directly than stock market trades. Retirees often conflate net worth with self-worth, making it hard to enjoy their savings. The balance between saving for the future and enjoying the present is a major financial conflict in relationships. People tend to judge others based on their spending habits, viewing savers as dull and spenders as reckless. Life offers no guarantees, so financial strategies should include both prudent saving and meaningful spending. Overcoming personal financial biases requires studying market history and maintaining a long-term perspective. For more information, visit the show notes at https://moneytreepodcast.com/the-soul-of-wealth-daniel-crosby-684  Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast