Podcasts about Retirement

Jesse's answering questions from his inbox, including questions about which retirement accounts to contribute to, how to save money in retirement when you don't have an income, and how a young person can save for multiple goals at the same time.     Got a question for Jesse? Send him an email: askjesse@ynab.com   Pre-order Jesse's new book! www.neverworryaboutmoneyagain.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial  

While successful entrepreneurs love to celebrate wins and share their lifestyle on social media, the failures and setbacks that come before the victories rarely ever see the spotlight online. The reality is that those difficult moments often contain the most valuable insights about leadership, investing, relationships, and life. And that's the goal for today's podcast.I'm thrilled to welcome my friend Cameron Herold back on the podcast. Cameron is the founder of COO Alliance, a world-renowned business growth coach, and the former COO of 1-800-GOT-JUNK, where he helped scale the company from $2 million to over $100 million in revenue. In this conversation, Cameron pulls back the curtain on some of the biggest failures and challenges of his entrepreneurial journey. From nearly bankrupting 1-800-GOT-JUNK and suffering a nervous breakdown during the dot-com crash to losing friendships by being hyper-focused on business growth and nothing else, Cameron shares the lessons that transformed how he approaches business and life.We also discuss the dangers of taking yourself too seriously as a leader, why entrepreneurs need hobbies and interests outside of work, how to teach the next generation about investing, and the simple financial principles Cameron uses to build long-term wealth.In this episode, you'll learn: ✅ Why Cameron believes entrepreneurs need to share failures more openly and how some of his biggest mistakes became the foundation for future success.✅ What happened when Cameron's doctor told him he was clinically redlining with a 95% chance of a heart attack and the wake-up call that completely changed how he approaches work, health, and life. ✅ The realization that Cameron's entire identity was about work and how that insight reshaped the way he spends his time and measures true wealth today. Show Notes: LifestyleInvestor.com/300Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ryan Hawk arrived at Miami University the day after high school graduation, with a plan to earn the starting quarterback job and make it to the NFL. Two years later, a 6'5" kid from somewhere in Ohio showed up and took the job away from him. That kid turned out to be Ben Roethlisberger. What Ryan did with that moment became the entire foundation of The Learning Leader podcast, one of the most respected leadership shows in the country, and his new book The Price of Becoming. He joins Joe and OG to talk about the habits, frameworks, and daily actions that compound into something exceptional -- and what to do when the plan doesn't survive contact with reality.What You'll Walk Away WithCoach Hepp's three-sentence leadership philosophy that Ryan has never forgotten: have a plan, work the plan, and plan for the unexpectedWhy being told "he gives us a better chance to win than you do" was the most valuable coaching Ryan ever received -- and what it teaches about adding value versus wanting creditThe imitate-then-innovate framework: why The Beatles were a cover band first, why Wayne Gretzky took handwritten notes watching players smaller than himself, and why copying the greats isn't theft -- it's the fastest path to finding your own voiceRyan's first draft pick for becoming exceptional: a five-to-ten minute nightly prompt exercise built around one Charlie Munger question that compounds like a great investmentWhy truth tellers -- people willing to look you in the eye and tell you what you need to hear rather than what you want to hear -- are the most underrated asset in any high performer's lifeThe superpower Ryan has found in every great leader he's interviewed across 11 years and hundreds of conversations: deep, specific curiosity -- and why it's the ultimate form of showing loveSweat more than you watch other people sweat: Scott Galloway's physical discipline framework applied to every area of lifeThe Brock Purdy late-round pick: why bringing a notebook to every meeting -- something almost no intern or young employee does -- is the single easiest way to stand out and learn fasterThe boomerang kids debate: why nearly half of Americans under 30 now live with a parent, when OG thinks it's a great idea, when he thinks you suck, and why it only works if there's a real plan with a real end dateJames from the community: how retiring at 52 let him become his daughter's bank in a hot real estate market -- loan document, market rate, free labor but zero say in the houseWhy This Matters NowThe gap between people who become exceptional and people who almost do isn't talent -- it's the daily actions they're willing to stack. This episode is the practical blueprint for what those actions actually look like.From the BasementRyan Hawk joins Joe and OG to talk about getting benched, the imitate-then-innovate path from cover band to original voice, and the five draft picks that build a great life -- including one that Joe immediately connects to hiding money from himself. The Wall Street Journal's piece on boomerang kids gives OG a platform to explain exactly when it's smart, when it's lazy, and why his kids should not take this as an invitation. Doug arrives with Cleveland trivia and the story of how a newspaper's cheap typesetting permanently changed the name of a major American city. James from the community sends a letter that makes OG quietly admit he was wrong about the appraisal.Resources MentionedThe Price of Becoming: The Compounding Practices of High Performance by Ryan Hawk -- available wherever books are soldThe Learning Leader podcast -- Ryan Hawk; available wherever you listen to podcasts; learningleader.comSteal Like an Artist by Austin Kleon -- referenced for the imitate-then-innovate frameworkSet for Life by Scott Trench -- referenced for Joe's kids; biggerpockets.comBroke Millennial by Erin Lowry -- referenced for Joe's kids; brokemillennial.comWall Street Journal -- "Living With Your Parents Is No Longer Viewed as a Failure to Launch" by Rebecca Picciotto and Nicholas G. MillerStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series.RETIREMENT TOOLKIT(02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS(36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor?(44:55) Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT(49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort.CLOSING THOUGHTS(51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

Ramit Sethi of I Will Teach You To Be Rich talks to Mia and Jake, a couple in their late 30s and early 40s in a blended family with three children. Mia wrote in because she's afraid paying for their children's college will cause resentment in their relationship. With no idea how much they are spending, why, or what they truly want their money to do for them, Ramit helps them uncover the root of their money woes. Will they finally get on the same page, create a financial system that works, and feel confident making money decisions together? In this episode we uncover: • How financial discussions lead to frustration and anxiety • The surprising cost of their previous “dream” home • Why they sold their house and downsized • The connection between “feeling” and making financial decisions • How money scarcity is fueling guilt and fear • Why Jake doesn't understand how to make his money work for him • A deep dive into Mia's family money rules • Why Jake was afraid to talk about money • How their pension influences their financial outlook • The hidden costs of everyday living • Why just “cutting costs” isn't a long-term solution • The powerful connection between clarity and confidence Chapters: (00:00:00) Introduction (00:02:54) “I feel resentment from my husband because our money supports my kids” (00:08:00) Mia and Jake's money conversations (00:10:28) Mia and Jake bought a huge house they couldn't afford (00:13:38) Moving on from the house-broke mistake (00:23:23) Mia's old budget felt like “paper pushing” (00:38:43) Why does Mia feel scared about money? (00:41:39) Adjusting their fixed costs (00:48:43) Why cutting costs is easy for Mia and Jake (00:50:33) Their pension: a financial safety net (01:03:03) Trading anxiety for guilt (01:06:35) Jake's money messages (01:07:54) What is your rich life vision? (01:13:40) Mia and Jake's money system (01:25:10) Building Jake's confidence with money (01:32:20) How Mia and Jake feel about their money now (01:35:22) Mia and Jake's next steps This episode is brought to you by: Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off  Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd  If you're part of a small group listening to this podcast that is willing to take action, I built Road to $100K for you - a step-by-step program on how to reach $100K. Join Rich Life: Road to $100K at iwt.com/100K. Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

With three more years left in the workforce, how should I be preparing as I start to think about retirement?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Eric Edholm joins the show to discuss the latest headlines around the NFL and his retirement from doing weekly NFL Power Rankings.

Ken Carman and Anthony Lima express frustration over the three-week wait for LeBron James' decision, questioning if Cleveland is being used as leverage. They analyze the Guardians' recent offensive surge and debate the polarizing dynamic between Deshaun Watson and Shedeur Sanders. The discussion concludes with a look at modern athlete branding and reports of media changes at ESPN. 02:20 - LeBron Decision Delay Fallout 09:20 - Cleveland Legacy vs. Philly 13:45 - Guardians Home Run Surge 19:45 - Is Cleveland a Fallback? 27:55 - Retirement and Legacy Regrets 34:15 - Deshaun Watson vs. Sanders 38:15 - Modern Fanbase Branding Issues 41:40 - Karl Raveich ESPN Rumors

Why do life transitions feel so overwhelming? Your brain fights change, routines unravel, and suddenly you're left questioning who you are. But what if understanding these shifts could transform chaos into clarity?When life throws you a curveball, from retirement and empty nesting to starting a new routine or recovering from a big move, your body and mind react in ways that often sabotage your progress. In this episode, we reveal the surprising truths behind why transitions feel so destabilizing, and how recognizing these phases can actually empower you rather than paralyze you.Discover why routines are the backbone of sustainable health during upheaval. We break down how your brain craves predictability and how losing your familiar cues can make healthy habits disappear overnight. Whether it's the shift after a big trip, changing careers, or adjusting to new family roles, you'll learn practical strategies to maintain momentum. We'll explore how small constants, like a consistent morning walk or sleep schedule, can anchor you when everything changes.You'll uncover:The different types of life transitions that threaten your well-being (from grief to gran, parenting)The psychological-and-physical impact of routine loss—and why it triggers cravings and weight gainHow to reframe setbacks as opportunities for growth by embracing intentional transitionsThe importance of patience, acknowledgment, and celebrating small wins to rebuild your new normalThis episode is a must-listen for anyone navigating change, whether you're facing a big life event or just feeling stuck in your current routine. We'll teach you how to ride the wave of transition with purpose, instead of waiting for life to "normalize." The key to thriving during upheaval isn't avoiding change, but learning how to become a master of transition.Join us and get inspired to turn life's disruptions into your most powerful growth opportunities. Because the truth is: the ones who stay healthy are those who learn to transition with intention, creating a new rhythm that fuels your life long after the change.Your next chapter is waiting, are you ready to embrace it?Perfect for anyone feeling overwhelmed, stuck, or uncertain about navigating life's many transitions. Listen now and master the art of changing with confidence.

In this episode Brian and Jeff discuss why high net-worth investors often underperform, and they also explore tax myths. 

In this episode of Next Steps for Seniors, host Wendy Jones welcomes Lynn Breuer and Beth Seelbach from Jewish Family Services to discuss two valuable programs: the Caring Connections Neighborhood Hub and Retirement Reimagined. Lynn and Beth share resources to support family caregivers and help retirees create purposeful next chapters. Caring Connections Neighborhood Hub: Located at the J in West Bloomfield (open to all faiths) Monthly Memory Cafes with music, art, and activities for caregivers and loved ones with dementia Caregiver support groups, workshops, and respite services Evidence-based cognitive training classes (Mind Aerobics) Retirement Reimagined: Nine-week workshop series helping recent retirees rediscover purpose, set goals, and build meaningful lives after work Addresses isolation, loss of structure, and finding new fulfillment For more information, call 248-592-2313. Podcast Schedule: Tune in to Next Steps for Seniors with new episodes dropping twice a week at 7:00 AM! Every Tuesday: Educational and insightful content to help you navigate the practical steps of aging. Every Friday: Spiritual and emotional support to encourage your heart and mind. Be sure to subscribe on Apple, Spotify, IHeart Podcasts so you never miss an episode, and if you enjoyed today's show, please leave us a rating and review!Learn more : https://omny.fm/shows/next-steps-4-seniors-with-wendy-jonesSee omnystudio.com/listener for privacy information.

Welcome to the Financial Freedom & Wealth Trailblazers Podcast! In today's episode, we're talking about how to build a retirement plan that helps you achieve financial security and retire with confidence. Dalene Higgins is a money coach and retirement strategist who helps women and couples over 40 stop worrying about retirement and start taking action so they can create the retirement they want sooner while still enjoying life today.She walked her own retirement journey for 15 years. Like many people, she wasn't handed a clear roadmap. She had to learn how to balance everyday life, competing financial priorities, and long-term goals while building a retirement plan that actually fit the life she wanted. Along the way, she discovered that retirement isn't just about saving more money, it's about creating a plan you believe in and can confidently follow.Today, Dalene helps her clients do exactly that. Through practical strategies, personalized guidance, and simple systems, she helps them gain clarity, make confident financial decisions, and build momentum toward a retirement they can truly look forward to.Dalene is the host of Wealthy After 40, a podcast where she helps Gen Xers answer questions like, “Will I have enough to retire?”, “Am I on track?”, and “What should I do next?” through practical retirement strategies, money management, and mindset shifts that make retirement possible.Connect with Dalene Here: https://www.instagram.com/elevate_finances/https://www.facebook.com/dalene.higgins/https://www.threads.com/@elevate_finances?igshid=NTc4MTIwNjQ2YQ==https://www.elevatefinances.usGrab the freebie here: https://www.elevatefinances.us/calculator===================================If you enjoyed this episode, remember to hit the like button and subscribe. Then share this episode with your friends.Thanks for watching the Financial Freedom & Wealth  Trailblazers Podcast. This podcast is part of the Digital Trailblazer family of podcasts. To learn more about Digital Trailblazer and what we do to help entrepreneurs, go to DigitalTrailblazer.com.Are you a coach, consultant, expert, or online course creator? Then we'd love to invite you to our FREE Facebook Group where you can learn the best strategies to land more high-ticket clients and customers. QUICK LINKS: APPLY TO BE FEATURED: https://app.digitaltrailblazer.com/podcast-guest-applicationDIGITAL TRAILBLAZER: https://digitaltrailblazer.com/

Lindsey Graham's death last week at 71 was as remarkable for the senator's relative "youth" as its possible political and electoral consequences, so much so that it actually prompted conspiracy theories about the precise nature of his passing. Meanwhile, 84-year old Mitch McConnell's status as among the living remains shrouded in mystery, and former president 83-year old former president Joe Biden announced that his memoir would be published in November via his cadaver-esque presence in a promotional video. In short, everywhere we look the signs of our decline into a sclerotic gerontocracy are present, and perhaps no one has approached this problem as comprehensively as Samuel Moyn in his new book, Gerontocracy in America: How the Old Are Hoarding Power and Wealth—and What to Do About It. In this episode we talk with Sam about the historical precedents for our gerontocracy; the nature, extent, and causes of it; why his book is not an attack on the elderly; and possibilities for creatively rewriting our society's intergenerational contract; and more. Sources: Samuel Moyn, Gerontocracy in America: How the Old Are Hoarding Power and Wealth—and What to Do About It (2026) Thomas Jefferson, Letter to James Madison, Sept 6, 1789 James Madison, Federalist 49, Feb 5, 1788 James Ceaser, "The Constitution: Sweet as Honey," First Things, Sept 20, 2009 Alexis de Tocqueville, Democracy in America (1835) ...and don't forget to subscribe to Know Your Enemy on Patreon for access to all of our bonus episodes!

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party.What You'll Walk Away WithWhy the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of itRoth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right nowWhy your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filterThe auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything elseWhat to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anywayWhy contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan forThe vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their jobWhy 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows aboutOG on the single most common 401(k) mistake he sees in client portfolios -- and how long it typically takes to fixStacker wins from the community: the specific moves people made this month that are already paying offWhy This Matters NowEvery year you don't optimize your 401(k) is a year of compounding you don't get back. The moves in this episode are not complicated -- but most people either don't know about them or keep putting them off. This is the episode to send to anyone who has a 401(k) and has never really looked at it.From the BasementJoe and OG celebrate the 401(k) in mom's basement while OG recovers from completing the Triple Bypass -- a Colorado cycling event that covers three mountain passes and approximately all of the elevation gain in the western hemisphere. OG's wife asked if he'd do it again. He answered with a childbirth analogy. Doug arrives with trivia that will be re-shared all week. The community delivers wins that prove the system works.Resources MentionedStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If you've been anywhere close to a retirement podcast over the last 10-20 years, you've heard of the 4% rule. And like many people, you might have questions about it. We're going to hear about it directly from the horse's mouth as we talk to Bill Bengen, who first articulated the 4% withdrawal rate as a rule of thumb for withdrawal rates from retirement accounts. The 4% rule is not a rigid rule but a guideline. Its application requires careful consideration of individual factors, including health, life expectancy, and specific financial circumstances. Bengen encourages retirees to tailor their withdrawal strategies based on their unique situations. Our discussion also explored required minimum distributions (RMDs), which may necessitate higher withdrawals in later years of retirement. However, Bengen suggests that for most people, RMDs would not exceed the calculated withdrawal rates until a very advanced age, making the two compatible. Core Points: The 4% rule, initially a worst-case scenario calculation, suggests a 4% annual withdrawal from retirement savings. This has since been refined Research indicates a more generous 4.7% withdrawal rate is now possible due to portfolio diversification and lower investment costs Higher withdrawal rates might be feasible (5-5.5%), depending on market valuations and inflation Early retirement withdrawal timing significantly impacts long-term success Consider individual circumstances, market conditions, and inflation when adjusting withdrawal strategies   Resource: Bill Bengen's book, "A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More" https://www.bengenfs.com/order-my-book   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

Did you know about this live webinar? Attend the next one and get your questions answered! To peak inside the community that is actually practicing Infinite Banking in their personal lives by heading over to -- https://www.skool.com/ibc-community-7282To deepen your understanding of The Infinite Banking Concept, head on over to https://thewealthwarehousepodcast.com/Chapters00:00 Introduction and Purpose of the Webinar01:19 Welcoming Participants and Setting the Stage03:21 Discussion on Retirement and Distribution Phase09:07 Guest comment reading10:30 Real-Life Examples of Infinite Banking in Practice with Coach Christina13:06 Going into business question/example14:41 Book keeper/accountant's strategy17:15 The Simplicity of Dividend Paying Whole Life Insurance18:30 Basic Math Example21:02 Balancing Traditional Retirement Accounts and IBC23:57 Sequence of Returns and Market Volatility28:38 Market Downturns and Retirement Safety Nets33:26 Legacy Planning and Family Wealth Transfer35:18 Senior Estate Planning and Asset Protection39:27 Structuring Wealth and Asset Protection Strategies42:41 The IBC Community44:16 Closing Remarks and Next StepsIn this episode, David and Paul explore the strategic use of infinite banking, retirement planning, and managing market risks. They discuss real-life examples, the importance of controlling your financial environment, and how to build a resilient wealth plan that lasts through market downturns.At Wealth Warehouse, we challenge you to transform your financial future through the principles of the most profitable business in the world: banking.We believe everybody should be involved in two businesses: the business that you're in, and the banking business. Everyday people can replicate what bankers have been doing for centuries to leverage capital and build wealth through private lending.Join us as we uncover the truths about money, expose lies and myths, and flip conventional financial advice on its head.DISCLAIMER: *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

It takes decades to save & invest enough to be able to retire. But most people find that when the time comes, they’re unsure about what’s next. That part doesn’t take decades, unless you keep putting it off. Join our next small group program in September and Design Your New Life in Retirement. Two 1 on 1 sessions. 6 interactive group sessions. A new direction. Learn more and sign up today. Early registration ends July 31st. Limited to 10 participants. __________________________ What does it really take to design a meaningful life after full-time work? In this special “Best of” episode of The Retirement Wisdom Podcast, you’ll hear brief but useful insights from guests who challenge the old story of retirement as a finish line, a reward, or a long vacation. You'll hear different perspectives on the the shift from “role to soul”, the emotional side of transition, how to build a life portfolio, why mattering may be as important as money, how connection shapes happiness, why your brain can keep growing, and how creativity can become a surprisingly powerful health habit that can enhance longevity. This episode offers a powerful reminder: retirement isn't about stepping back. It's an opportunity to step more fully into life with the courage to keep growing and contributing in new ways. ___________________________ Want to go deeper on any of these conversations? How to Live a Meaningful Life – Dave Evans Navigating the In-Between – Monique Rhodes What Do You Want Out of Life…in Retirement ? – Valerie Tiberius Design a Phased Retirement – Anna Rappaport Mattering…in Retirement – Jennifer Breheny Wallace Love & Happiness…in Retirement – Sonja Lyubomirsky Eat Your Ice Cream – Ezekiel Emanuel, MD, PhD How to Stay Sharp in Retirement – Dr. Majid Fotuhi Art Cure: The Science of How the Arts Save Lives – Daisy Fancourt _________________________ How Ready are You for Your New Life in Retirement? Take this free 5-minute assessment to identify which areas may need your attention: Not retired yet, but I want to design a meaningful life In retirement, but maybe I could use an upgrade _________________________ Other Retirement Podcast Conversations You’ll Also Love Best of 2025 – Part Two What If I? Best of 2025 – Part 1 The Very Best of 2024 ___________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

This week on the SwimSwam Breakdown, we are discussing how Bob Bowman's Texas pros swam at the Austin Sectionals, Mollie O'Callaghan announcing a stress fracture in her back, and Shayna Jack retiring after this summer.

Money is a lot like your health—everyone has an opinion, the internet is full of questionable advice, and bad guidance can cost you years. In this episode, Danielle sits down with financial advisor Marcus Corvino to break down the financial myths, red flags, and costly mistakes that keep people from building real wealth. Together they unpack what actually makes a trustworthy financial advisor, why some investment products are oversold, and how smart tax planning can potentially save you hundreds of thousands of dollars over your lifetime. Whether you're a business owner, healthcare professional, employee with a 401(k), or simply wondering if you're on the right financial path, this episode gives you practical, easy-to-understand strategies to help you make better decisions with your money. You'll learn the difference between term life and whole life insurance, why disability insurance is one of the most overlooked financial tools available, how Roth conversions work, common retirement planning mistakes, and why building wealth isn't nearly as complicated as social media makes it seem. If you've ever wondered whether you're asking the right questions—or if your financial advisor is asking you the right questions—this episode is for you Learn more about working with Danielle  Shop Danielle's masterclasses (learn more in 60-90 minutes than years of dr appointments) Follow Danielle on IG Follow Empowered Mind + Body on IG  Marcus Consult www.wscoachingandconsulting.com

Retirement taxes are rarely as simple as people expect, and making the wrong withdrawal at the wrong time can have consequences far beyond your tax bill. In our first hour, Jeremiah Bates and Alex Lundgren explain how IRA withdrawals, pensions, Social Security, brokerage accounts, Medicare IRMAA surcharges, and capital gains work together to shape your lifetime tax picture. They discuss why major purchases, home remodels, and other large withdrawals deserve careful planning to avoid unnecessary taxes and higher Medicare costs. The conversation later shifts to Social Security planning. The hosts cover when to claim benefits, how working before full retirement age can affect payments, filing strategies for married couples, survivor benefits, and why Social Security should be coordinated with the rest of your retirement income plan instead of viewed in isolation.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

Planning for retirement can feel overwhelming, especially as you approach the transition from earning a paycheck to relying on your savings. The early phase of retirement brings unique challenges, and it's no surprise that there are plenty of misconceptions that can lead you astray. In this episode, we break down five of the most prevalent retirement myths, share insights from working with clients, and offer practical guidance to help you make confident, personalized decisions for your future.   1. "I'll Spend Less In Retirement Than When I Was Working"   This is one of the most widespread assumptions—and financial media often reinforces it by suggesting you'll only need 70-80% of your pre-retirement income. However, the reality is often quite different. In early retirement, spending typically increases as retirees suddenly have more time for activities, hobbies, and travel that were perhaps squeezed out during their working years. Parental obligations can linger, with adult children sometimes relying on financial assistance well into their late twenties or thirties. Unexpected repairs, long-postponed home improvements, or even a burst of "retirement honeymoon" spending are common. Recognizing these patterns, and planning for them, can help set more realistic expectations for your retirement budget.   2. "I Don't Have Time to Recover from a Market Downturn Anymore"   It's natural to become risk-averse as retirement nears; no one wants to see years of savings diminished by a bear market. Today's retirees are living longer than previous generations—often enjoying 25, 30, or even 35 years in retirement. This expanded timeline means you still have the potential (and perhaps the need) to ride out stock market fluctuations and recover from downturns. Avoiding growth assets altogether in favor of perceived "safety" may actually represent a different kind of risk: the erosion of purchasing power due to inflation.   3. "I'll Only Spend Interest and Never Touch My Principal"   This "live-off-the-interest" approach may have worked in an era of higher interest rates, but it's limiting in today's environment. We advocate for a total-return strategy: you draw from a mix of interest, dividends, and capital gains as appropriate. This helps maximize your spending potential and accounts for variable needs and market fluctuations. Clinging to the old mindset of never spending principal may feel safer, but it can artificially constrain your quality of life and generosity toward loved ones or causes you care about.    4. "I Shouldn't Retire Before 65 Because of Health Insurance"   Many people believe they must keep working until Medicare eligibility at 65 due to concerns about the high cost and complexity of health insurance. While the Affordable Care Act and COBRA have shifted the landscape, these options are often misunderstood or overlooked. Model retirement scenarios and run cost estimators to see if pre-65 retirement is out of reach or if it might be achievable—perhaps with an added planned expense for private insurance or by using available subsidies. Make decisions based on personalized numbers, not generalizations or fear. Sometimes, paying for private health insurance can be a worthwhile trade-off for earlier retirement and the memories made with family and friends.   5. "I Don't Need to Worry About Long-Term Care—I'll Just Stay in My Home"   It's tempting to imagine that aging in place solves long-term care needs, but the reality is that nearly 80% of retirees require some form of long-term care eventually. Whether it's in-home assistance or moving to a residential community, the costs are significant—often $80,000 per year or more, and potentially much higher for round-the-clock or specialized care. Failing to plan for these expenses may burden loved ones and potentially result in less-than-desired care options. Medicaid is not a reliable fallback for most financially secure retirees.   Outline of This Episode   01:53 Why early retirement often brings increased spending  05:26 Rethinking life expectancy reality 06:44 Discussing financial planning strategies 09:25 Misconception about living off interest 13:22 Financial plan modeling: test scenarios to see if earlier retirement is feasible 17:13 Importance of clarifying care intentions before a crisis arises     Resources & People Mentioned   7 Common Misconceptions about Retirement Planning | CCRRBC Inheritocracy by Eliza Filby About the Affordable Care Act | HHS.gov Medicare Finances: A Perspective on the 2026 Trustees Report       

Today: Sue Hansen is stepping down from the Montrose County Board of Commissioners four months before her term ends, saying an early transition will give likely successor Caryn Gibson time to learn the role while she leaves behind a legacy of community-focused leadership and major county initiatives. And later: Three men are facing first-degree murder charges in the November 2025 shooting death of Christopher Hubbell in Montrose County.Support the show: https://www.montrosepress.com/site/forms/subscription_services/See omnystudio.com/listener for privacy information.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book Want to schedule a consultation? Click here: https://app.hawsfederaladvisors.com/whatservicemakessense I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

✨ Welcome back to Zillennials Podcast! This week, Kaylee and Lian discuss their ideal “retirement jobs” and why their generation may not have the luxury of fully retiring. The hosts brainstorm options ranging from working in a bookstore, professional cat sitting, to a donut shop or bakery. Other ideas include working for the post-office, monitoring for forest fires with the National Park Service, working at Starbucks, and babysitting.Listen to this episode and contribute to the brainstorm of retirement friendly jobs!00:00 Introduction01:43 Cat Sitting & Cat Cafes05:20 Bakery 08:02 Mail Carrier11:17 Park Service Fire Watch15:03 Adult Camp And Retreats17:40 Tangent Time: Small Talk vs Presentations21:21 Retirement Party Preferences23:41 Starbucks And Babysitting27:49 Board Game YouTube Plans28:57 Selling Art Side Hustle32:11 Conclusion And Book Club Announcement

Where do you go after reaching the pinnacle of your profession? What if you were forced out of that job? For former U.S. Attorney General Alberto Gonzales, his second act steered him to academia. In 2014, he moved to Middle Tennessee to become dean of a law school that was just getting off the ground at Belmont University. In this episode, the Honorable Alberto Gonzales in a live, career-spanning interview – from the child of migrant workers in Humble, Texas, to the most powerful attorney in America, to making a new life in Nashville.This episode was produced by Blake Farmer. 

For most people...Retirement isn't simply a financial decision.It's one of life's biggest emotional decisions.For decades...You've had a routine.A purpose.Co-workers.A paycheck.An identity.Then one day...It all changes.Today I want to ask a different question.Not..."Can you afford to retire?"But..."Are you truly ready to retire?"Because retirement isn't just about having enough money.It's about having something meaningful to retire to.

One in three pensioners will be renting in retirement. It might not sound serious, but that puts 1.7m pensioners in retirement poverty. The good news is, there are things you can do about it now and you should be taking action NOW. Free WhatApp Group - https://chat.whatsapp.com/FaG9tcZ4xJZDIYhVnHYdsTJoin my community - https://calmmoneycommunity.com/Each week, the podcast will focus on:one signal worth unpackingone calm conversationand one small adjustment to considerSome episodes will be anchored to the news. Others will focus on behaviour or seasonal pressures.The format stays the same.The podcast mirrors the thinking in the weekly newsletterIt often sets up conversations inside the communityBut it's designed to be useful on its ownYou don't need to listen to every episode.You don't need to take notes.If one idea helps you think more clearly about your money, it's done its job.Submit your question - https://forms.gle/RHLjdE9BuU92ersr6

From building wealth in your thirties to preparing for retirement in your fifties, the right financial moves change as your career evolves. New data shows nearly three in four finance creators on TikTok have no stated financial qualifications. And why some retirees are choosing life at sea -and how they make it work.

It's time to face a few hard financial truths head-on. Social Security is not stretching as far as it used to, future benefits may face pressure, withdrawal strategies are getting tighter, and healthcare can take a much bigger bite out of savings than you may expect. In this episode, Pat explains what these challenges mean and, more importantly, what you can do now to help build a retirement plan that's more prepared to handle them.

The money to support the fund isn't keeping up with demand, and massive cuts could result. Former Congressman Tim Penny joined Susie Jones to discuss his work on this issue with the non partisan, Committee For A Responsible Budget.

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Jeremy Zakis and John Batchelor explore the deep-rooted drinking culture in cricket, citing Ben Stokes' retirement and the legacy of Sir Garry Sobers. They also discuss the "death" of Bazball, an aggressive strategy that proved physically unsustainable and unsuccessful during long five-day Test matches for England. (1)1920                                                                                                                                                      

LIL #008: 5 Filters That Help Me Say No to Almost Every DealJustin spends $300K/year on due diligence and still says no to most deals. Here are the five filters.Episode SummaryIn this episode of The Lifestyle Investor Podcast, host Justin Donald breaks down the five investment filters he uses to reject 90% of the deals that cross his desk.You'll learn why downside protection matters more than upside potential, how the "velocity of money" lets you invest the same capital across multiple deals, and why monthly cash flow is a health check on every investment.Question of the Day

Energy is one of those things that always seems in short supply. Thus it always has a high value. We feel this at the end of each day when we finally succumb to personal loss and lay our head on a pillow. It seems like there ought to be a way to beat the system; a way to get around this loss and keep right on moving. I wish.

What happens when retirement becomes an opportunity to build something meaningful rather than simply step away from work?In this episode of Beyond Retirement, Jacquie Doucette sits down with Sandy Laneville to explore how retirement can become a time of contribution, connection, and personal growth.Sandy's journey began with a career in municipal recreation before she chose to stay home to raise her children. Over the years, she continued to find ways to contribute — volunteering in the community, serving as deputy reeve in her municipality, launching a pickleball club, leading women's retreats, and teaching senior fitness classes.Through her story, Sandy illustrates that retirement is not about slowing down completely — it's about choosing how you want to spend your time and energy. From helping seniors stay active to building community programs and supporting neighbors, Sandy shows how purpose can evolve through every stage of life.Her central message is simple but powerful: follow what brings you joy, listen to that inner voice encouraging you to try something new, and remember that you don't have to be an expert to make a meaningful difference.Key Topics Covered Purpose Beyond CareerWhy many people still need a sense of contribution after leaving paid workFinding fulfillment through volunteering and community involvementIdentity TransitionsAdjusting from career roles to family and community rolesDiscovering leadership and personal strengths later in lifeStaying Active in RetirementHow movement and balance training support independenceSmall daily habits that can improve physical healthCommunity ConnectionThe importance of avoiding isolation after retirementBuilding friendships and support networks among seniorsCreating OpportunitiesStarting local initiatives like fitness groups or pickleball clubsWhy you don't have to be an expert to introduce new activitiesFollowing the Voice of JoyRecognizing what brings you energy and fulfillmentLetting joy guide decisions in retirementQuestions to Reflect OnWhat activities genuinely bring you joy right now?Is there something you've always wanted to try but never had time for?How could you contribute to your community in a small way?Are there relationships you could strengthen by reaching out more often?What would retirement look like if you designed it intentionally?ResourcesMatthew Kelly's book, Slowing Down to the Speed of Joy, https://amazon.com/dp/1635825644READY TO RAMP UP YOUR RETIREMENT JOURNEY?Start here: https://beyondretirement.ca/start-here/Book a FREE call with Jacquie: https://calendly.com/jacquiedoucette/discoveryCheck out the Beyond Retirement Library: https://placeforbooks.com**************Don't forget to check out Reinvention Rebels and grab your free gift: https://reinventionrebels.com/100Reinvention Rebels, hosted by Wendy Battles, is for women in midlife and beyond who are ready to consciously design the next chapter of their lives. Through stories of women 50 to 90-plus who are starting businesses, finding love, taking on big challenges, and rediscovering their confidence, Wendy reminds listeners that reinvention doesn't have an expiry date.

Knowing how much income you'll need in retirement is a key variable in determining how much you need to have saved before you stop working. But what many people believe about how spending progresses over the course of retirement is wrong. Host Robert Brokamp speaks with David Blanchett, the head of retirement research at Prudential Financial and a portfolio manager for PGIM, about what the data shows about real-life retirement spending. Topics covered include: -Why retirees may not need as much inflation protection as is commonly recommended-Healthcare expenses: the retirement wildcard-Why the reality of retirement spending could result in a higher withdrawal rate-Other factors that suggest retirees could withdraw more than the “4% rule” Host: Robert Brokamp, CFP®, EAGuest: David Blanchett: Ph.D., CFP®, CFAEngineer: Bart Shannon, Kristi Waterworth Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

$1,440,000 sounds like the finish line. For a lot of people it's actually where a brand new problem starts, one nobody warns you about before you get there.I've sat across the table from hundreds of people getting ready to retire, and the same mistake keeps showing up right after they hit their number. It has nothing to do with how much they saved.This video is where that number actually comes from, and the one shift almost nobody makes once they cross it.We're going to cover:- how a $10,000 a month goal, a couple's real Social Security check, and one withdrawal rate turn into an exact $1.44 million target, and why your number could be zero or $3.8 million instead- the pension and rental income shortcut that skips the whole calculation entirely- the specific tax mistake that can quietly hand 20 to 30 percent of every withdrawal to the IRS- the two things I watch retirees do with their portfolio right after they cross their number, one of them wrecked people in 2007- the "moat" I build around a portfolio before a single dollar goes toward growth againLearn the tips & strategies to get the most out of life with your money.--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 Strategy ⬇️Get Started Here.Join the new Root Collective HERE!

Shannon Sharpe, Chad “Ochocinco” Johnson, and Joe Johnson are LIVE from New York City for Fanatics Fest 2026 with special guests NBA Champion and New York Knicks star Jalen Brunson and reigning WWE World Heavyweight Champion Roman Reigns! Subscribe to Nightcap presented by PrizePicks so you don’t miss out on any new drops! Download the PrizePicks app today and use code SHANNON to get $50 in lineups after you play your first $5 lineup! Visit https://prizepicks.onelink.me/LME0/NI... (Timestamps may vary based on advertisements.) #ClubSee omnystudio.com/listener for privacy information.

Jim and Chris discuss the new PROMISE Act’s potential impact on Social Security before covering listener emails on pension RMD timing, interest taxation versus capital gains indexing, and portfolio strategy around Social Security survivor benefits and multi-account allocation. (5:30) — Chris discusses the new PROMISE Act and how it may impact Social Security. (17:15) — George asks how long he can delay pension distributions without violating RMD rules, given his 73rd birthday falls in February 2027. (29:45) — A listener asks whether interest income should be inflation-indexed the same way some propose indexing capital gains for wealthier taxpayers. (43:00) — The guys field a two-part question on how a surviving spouse’s Social Security loss factors into MDF portfolio and annuity design, and how to allocate a portfolio strategy across different account types. The post Social Security, Pension RMDs, Interest Taxation, Portfolio Strategy: Q&A #2629 appeared first on The Retirement and IRA Show.

Friday - Clark Stinks day! Christa  shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also,  the new car market is in a weird phase, with automakers behaving like pack animals. Instead of fighting for market share or offering affordable options, manufacturers have decided they are perfectly happy selling fewer vehicles if it means keeping prices sky-high and maximizing margins. If you're wondering whether to buy or hold, Clark shares his rule of thumb. All this and more on the July 17, 2026, episode of The Clark Howard Show. Clark Stinks: Segments 1 & 2 Auto Industry Update: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Best Travel Credit Cards: How To Find the Perfect Fit for Your Spending Clark Deals - Today's Best Deals of the Day Are You ‘Spaving'? Why Trying to Save Could Be Costing You More  One Million New-Car Buyers Are Gone and They're Not Coming Back Soon A Single Change to Your Car-Buying Habits Could Add $250,000 to Retirement 10 Cars That People Keep for 15 Years or More - Clark Howard Axios: Radical new electric trucks Unum - Contact Us Tax-Loss Harvesting: Definition and Example  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Thomas Savidge proposes "Universal Savings Accounts" (USA) to replace complex government-managed savings vehicles. These accounts would grant individuals full ownership of their funds for unemployment or retirement. This reform aims to reduce fraud and address the long-term fiscal instability associated with the national "debt bomb." (16)1933 PERSIA

If this resonated with you, here are additional resources: APPLY TO SHIFT: https://sidehustlepro.co/shiftIn this episode, I sat down with Jamila Wright, co-founder of Brooklyn Tea, to trace the full story of how she and her husband Ali turned tea dates into a business. Jamila walked me through leaving a career in education, emptying her retirement savings, and fighting a two year trademark battle before they ever opened their first location.We got into the real financial decisions behind building out that first shop, including an SBA loan that arrived late, putting up her own home as collateral, and the lesson she learned about the difference between being an investor and being an owner operator. Jamila also shared how a relationship with a fellow Brooklyn business owner led to their current Lewis Avenue location.From there we picked up with how Brooklyn Tea's verticals came together, the financial setbacks along the way including a six figure loan and a partnership that fell apart, and the moment she and Ali finally started paying themselves. Main TakeawaysBig opportunities often come from saying yes rather than a master plan, so be ready to rise to the moment when it arrives.Waiting on outside funding like an SBA loan can force you to dip into personal savings, so plan for delays before signing a lease or starting construction.Choosing between taking on debt or equity investors should depend on your long term goal, whether that is building a legacy brand or eventually selling it.Paying yourself is a milestone that often comes after years of sacrifice, so figuring out that number is part of building a sustainable business.Highlights Include(00:32) How Jamila and Ali went from dating over tea to business partners(08:12) The financial decisions behind opening the first Brooklyn Tea location(16:16) Why Jamila had to put up her Atlanta home as collateral for their SBA loan(19:38) Debt versus equity, and deciding what kind of business you want to build(24:13) The real lesson foot traffic taught them about their first location(29:45) How a relationship with Monique Greenwood led to their current Lewis Avenue location(37:33) Saying yes to wholesale and e-commerce almost by accident(47:39) Landing a licensing and franchising deal with an airport(52:12) The Saks Fifth Avenue partnership that fell apart(1:07:45) Paying themselves for the first time after two and a half yearsWatch & ListenSpotify: https://open.spotify.com/show/13qDj08lBR4ymzGhXIKy8tApple Podcasts: https://podcasts.apple.com/us/podcast/side-hustle-pro/id1126021323Social MediaWebsite: brooklyntea.comBrooklyn Tea Instagram: @brooklynteaJamila's Instagram: @jamilawright21 Hosted on Acast. See acast.com/privacy for more information.

1036. Is Social Security in trouble, or is it just a lot of political noise? Laura answers a listener's question about what the changes to the retirement fund mean for your financial future. You'll learn the new tax caps that employees and the self-employed must pay and how to protect your retirement safety net.Key takeawaysAccording to the latest 2026 Trustees Report, the Social Security retirement fund is now projected to face a shortfall by 2032, sooner than previous estimates.The Social Security wage base has increased to $184,500 for 2026. High earners will pay a maximum of $11,439 as employees, while the self-employed face a maximum cap of $22,878.Retirement benefits for Social Security participants are based on your highest 35 years of earnings.While you can claim benefits as early as age 62, doing so permanently reduces your benefits by about 30%. Delaying benefits past your Full Retirement Age (FRA) pays 8% more per year until age 70.Social Security benefits may be taxable if your "combined income" (AGI + tax-exempt interest + 50% of benefits) exceeds modest thresholds.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

A Wall Street Journal story about a 17-year-old helping his family with financial decisions kicks off a much bigger Stacking Benjamins question: who should you actually trust with your money? Joe, Doug, Paula Pant, Jesse Cramer, and special guest Roger Whitney dig into where great advice comes from, why bad advice often comes from people who love you, and how to build a better filter before you act. Along the way, they talk books, podcasts, family advice, AI, confirmation bias, homebuying myths, index funds, retirement plans, and why "smart" isn't enough.What You'll Walk Away WithWhy Roger says "advice" has a high bar: real advice should apply to your specific life, not just sound smart in publicThe difference between information and advice -- and why confusing the two can lead you into troubleWhy books often beat random internet advice: they usually have more vetting, structure, and accountabilityHow well-meaning friends and family can still give terrible money advice when they speak confidently about things they don't really understandPaula's advice pyramid: avoid people who profit from outrage, be skeptical of people with no accountability, and seek sources with both expertise and vettingWhy AI can be useful as a sparring partner, but not as a substitute for your own thinking or fact-checkingThe danger of "always" and "never" advice: always buy a house, always max your 401(k), never finance a car, always buy index fundsWhy renting isn't automatically throwing money away -- and how the price-to-rent ratio can help you think more clearlyWhy maxing out your workplace retirement plan may not always be the right move, especially when tax flexibility, business investment, or other goals matter moreHow confirmation bias, present bias, and absolute certainty can fool you into believing your plan is stronger than it isWhat to look for in your personal board of directors: people you respect, people with a high signal-to-noise ratio, and people who are kind enough to tell you the truthWhy Roger says a kind person is better than a merely nice one when you need real feedbackWhy This Matters NowFinancial advice is everywhere: podcasts, books, TikTok, AI, coworkers, relatives, advisors, and confident strangers with strong opinions. The hard part isn't finding advice. It's knowing which advice deserves your attention. This episode gives Stackers a filter for separating useful guidance from noise before the wrong voice gets too close to their money.From the BasementJoe uses a Wall Street Journal piece about a teenage family financial advisor to launch a bigger card-table debate with Paula Pant, Jesse Cramer, and Roger Whitney. The crew builds a money-advice pyramid, debates which financial rules should be ignored, and explores when to trust yourself versus when to bring in your board of directors. Doug celebrates Art Linkletter with Game of Life trivia, Paula admits she's never played it, and OG's trivia lead might get a little more uncomfortable.Resources MentionedThe Wall Street Journal piece by Oyin Adedoyin about a 17-year-old helping his family with financial decisionsRoger Whitney -- The Retirement Answer Man podcastPaula Pant -- Afford Anything podcastJesse Cramer -- Personal Finance for Long-Term Investors podcastSeth Godin -- LinchpinThomas Stanley and William Danko -- The Millionaire Next DoorRobert Kiyosaki -- Rich Dad Poor DadRobert Cialdini -- InfluenceRichard Feynman -- Surely You're Joking, Mr. Feynman!Beth Kobliner -- referenced as an upcoming Afford Anything guestStacking Benjamins Newsletter, The 201 -- stackingbenjamins.com/201Stacking Benjamins YouTube channel -- youtube.com/stackingbenjaminsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

President Donald Trump recently made a point to express admiration for Australia's retirement system — and he says he's got his Commerce and Treasury secretaries working on a strategy to implement it in the United States. Future Effects correspondent David Brancaccio joins to explain Australia's “super” system of mandatory savings, and what it could mean for Social Security. But first: why new home construction jumped in June.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.Stories featured in today's episode:Why is Trump interested in Australia's retirement system?