Point where a person ceases employment permanently
In hour 2 of DriveTime with DeRusha guest hosted by Dave Schrader features a long conversation with comedian Bill Engvall on his career and retirement before we switch gears to talk with Alec Lewis of the Athletic about a big Vikings matchup with the Las Vegas Raiders.
Why do we recommend saving 25% for retirement? And do you really need to save that much? We'll walk you through that question and more in today's Q&A episode! Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.
Today, Debbie speaks to Winifred White Neisser, a classmate from the Harvard/Radcliffe Class of 1974. Winifred looks back on her career as a television executive in the all-male, all-white Hollywood entertainment industry and talks about what comes next. Both Debbie and Winifred are looking forward to celebrating their 50th Harvard reunion next year.Wini, as her friends call her, is very modest. She doesn't think of herself as a [b]old woman. So it took Debbie a while to get her to talk about her success as an entertainment executive. She capped her 34-year career as Senior VP of Sony Pictures for Television Movies and Miniseries. Her award-winning projects include the movie A Raisin in the Sun for ABC and Call me Claus, a Christmas movie which starred Whoopi Goldberg.It's her Midwestern upbringing, Wini told Debbie. They don't brag or show off in Milwaukee, WI where she grew up. She was never propelled by ambition, she told Debbie. Nor did she plan out next steps as she rose to her position as a top exec. But it wouldn't be accurate to say that her career “just happened.”//////////Don't miss the accompanying essays for the podcast in Debbie's [B]OLD AGE newsletter on Substack. You can subscribe free.//////////This interview is a story of quiet capability and determination - and underneath, a fierce drive. Debbie was fascinated by her classmate's story because, with one exception, it's so different from hers. Debbie married at the absurdly young age of 21 (she was a junior at Harvard). She had her first baby at 25 and two more by age 31. Wini married much later and had her two children in her mid 30s, all the while climbing the TV executive ladder, first at NBC and later at Sony.In contrast, Debbie's early motherhood derailed her career in journalism. She was married to a busy young doctor so someone had to hold down the fort at home. She stepped willingly into that role, but felt a good deal of frustration trying to work part-time as a freelance journalist. Underneath, she had the same fierce drive that Wini had. She just couldn't express it, career-wise, until some years later.As the conversation continued, Debbie realized that fierce drive and determination sum up the common thread she shares with her female classmates from the Harvard/Radcliffe Class of 1974. There were only 300 women (Cliffies, as they were called) in a class of 1,500 students. So they were vastly outnumbered. They were polite about it, but they were all determined to be successful in their chosen fields — both in Harvard's male-dominated classrooms and later in the world of work. So much has changed for women in the past 50 years so this conversation with Wini is the first of several Debbie is planning with these [b]old women, her 1974 Radcliffe classmates. Note: it's a bit confusing to explain but Radcliffe was the name of the women's college that was part of Harvard in the 1970s and earlier, so technically the women attended Harvard/Radcliffe. Radcliffe has now been subsumed by Harvard. And the ratio of women to men in a Harvard class is now 50-50. So much has changed in 50 years.Hope you enjoy this compelling conversation with a 70-year-old (b)old woman. Mentioned in this episode or useful:Lesley UniversityInterview with Winifred White Neisser in The Historymakers (Nov. 17, 2013)From Season 4, an interview with another accomplished woman of the Harvard/Radcliffe Class of 1974: A'lelia Bundles on Legacy, Leadership, and Growing Bolder at 70Angel City Chorale (Winifred is now the Executive Director)Harvard Advanced Leadership Initiative Connect with Debbie:debbieweil.com[B]OLD AGE podcast[B]OLD AGE newsletter on SubstackEmail: firstname.lastname@example.orgDebbie and Sam's blog: Gap Year After SixtyFacebook: @debbieweilInstagram: @debbieweilLinkedIn: linkedin.com/in/debbieweil Our Media Partners:CoGenerate (formerly Encore.org)MEA and with thanks to Chip ConleyNext For Me (former media partner and in memory of Jeff Tidwell) How to Support this podcast:Leave a review on Apple PodcastsSubscribe via Apple Podcasts, Google Podcasts, Stitcher or Spotify Credits:Host: Debbie WeilProducer: Far Out MediaMusic: Lakeside Path by Duck Lake
One of the things I've been reflecting on more and more is my personal growth in midlife and this stage in my life. In the book that I'm writing, there's an entire chapter on what it means to continue to grow as we get older.So, of course, I wanted to have a chat about this topic with my good friend and frequent collaborator, Yvonne Marchese, who has grown in leaps and bounds since I met her roughly 4 years ago. We sat down and chatted about growth — what growth in midlife means for us, how we plan (if we plan) for growth, and how our relationship with growth has changed over time. This isn't a how-to episode; really, it's two friends exploring the word growth. We hope that by sharing our thoughts with you, it'll re-enforce your own growth goals, or give you a different perspective. Or maybe, if we're lucky, inspire you to forge ahead, jump into new waters, expand, and grow.ABOUT MY GUESTYvonne Marchese is the host of the Late Bloomer Living Podcast and the founder of Midlife Uprising Community for women. She is also the author of In Full Bloom: A Guide to Aging Playfully. She's a professional photographer, mother, and wife. At the age of 48, she realized that she'd bought into a story about getting old that was adversely affecting her health and relationships. Yvonne believes that midlife is filled with possibility, that it's never too late to pursue a dream, and that the stories we tell ourselves have tremendous power.IN THIS EPISODE Planned versus unplanned growth Measurable growth versus growth that's not easily measurable Are we growing even if we're not paying attention or measuring our growth? How time and distance can help us recognize our personal growth What growth in 2023 looked like for Yvonne and Lou FOOTNOTES In Full Bloom: A Guide To Aging Playfuly Yvonne Marchese's Late Bloomer Living Podcast Follow Yvonne Marchese on Instagram ------------Connect with Lou Blaser on LinkedInSubscribe to Midlife Cues, a weekly newsletter about intentional living and personal growth in midlife.Work with Lou BlaserSupport the Show. Thank you!
Ousted former speaker, Congressman Kevin McCarthy (R-CA), will retire after 17 years in the House and will leave at the end of 2023, before the end of his term. The former South Carolina Congressman and host of The Trey Gowdy Podcast and Sunday Night In America on the Fox News Channel joins the Rundown to discuss the retirement of friend and former Speaker of the House, Kevin McCarthy. He explains why the ousting of former Speaker McCarthy demonstrated how political division in Washington has made governing impossible, the likelihood of more congressional retirements as a consequence of Capitol Hill dysfunction, and his faith that Kevin McCarthy will be “fabulously successful” after leaving Congress. Thursday marks two months since Israeli Prime Minister Benjamin Netanyahu declared war on Hamas following the terrorist group's brutal surprise attack. As the war continues to rage in Gaza, the focus has shifted to civilian casualties and a humanitarian crisis, with pro-Palestinian protests persisting across the country. Meanwhile, these demonstrations have included some hate speech, which has left American and Israeli Jews feeling threatened as they witness surging antisemitism. Tal Heinrich, spokesperson for Prime Minister Benjamin Netanyahu, joins the Rundown to discuss what went wrong leading up to October 7th, the horrible conditions the Israeli hostages are facing, and Israel's commitment to destroy Hamas. Plus, commentary from founder and president of the World War II Foundation, Tim Gray. Learn more about your ad choices. Visit megaphone.fm/adchoices
On today's edition of the DSR Daily, we break down Kevin McCarthy's retirement announcement, a shooting at the University of Nevada, the indictment of six pro-Trump electors, and more. Learn more about your ad choices. Visit megaphone.fm/adchoices
When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely. So to avoid this, let's go through some tips:1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. This will extend their life even further3. Vacuum furniture with an upholstery attachment on a regular basis This will prevent the cushion core from wearing prematurely, will preserve the fabric color and control welt slippage. Although dust may not be apparent, it settles into your upholstery and may not only make it dirty, but may eventually damage the fibers if not removed. Remember, If you think that your furniture is clean, just bang your hand on the cushions in the sunlight and you'll have hundreds of particles floating in the air.The bottom line is that this is not your typical personal finance tip; however, when the rubber meets the road, life is all about math and money. Hence, take care of your things and they will take care of your pocketbook. Website:https://www.somethingonmymind.net/Social Media https://www.instagram.com/somm.podcast/https://www.youtube.com/channel/UChec5qcZBcGkIhUU3belNDwhttps://email@example.com?lang=enhttps://www.facebook.com/somm.podcasthttps://twitter.com/Somm_podcastThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5501411/advertisement
As hosts, Derek and Tony, along with their savvy guest Dave Abate, dissect the mechanics of financial stability and the enigmatic pulse of social media on the latest episode of the "Capitalist Investor," they leave listeners with a wealth of insights. Here are the five hot topics worth noting from this episode.1. Retirement Planning and Debt ManagementOne compelling topic that emerged dealt with the perils non-mortgage debt presents to those stepping into the golden years. With a potential for overspending and the risk of depleting resources, the trio highlighted the necessity of a measured spending rate post-retirement. They underlined that unsuccessful retirements often stem from premature retirement decisions or being pushed into retirement unprepared. To mitigate such scenarios, a consistent saving strategy paired with a balanced spending mindset in retirement is crucial.2. Market Predictions and Economic TremorsA significant portion of the dialogue revolved around JPMorgan's gloomy market forecast, with an 8% drop anticipated in 2024 due to a cocktail of sluggish economic growth and geopolitical unrest. Dave questioned the predictive accuracy generally possessed by financial institutions, particularly in light of the approaching election cycle, while Tony expressed skepticism based on the potential earnings growth and the likelihood of interest rate cuts buoying the market in 2024.3. The Health Care Cost ConundrumAnother heated subject tackled by Derek, Tony, and Dave was the staggering inefficiencies in the US healthcare system, with particular focus on prescription drug pricing. They commended efforts like those of Mark Cuban to introduce pricing transparency and affordability, challenging the established revenue models and power dynamics rooted in the pharmaceutical industry.4. The Influence of Social Media and AdvertisingThe conversation then pivoted to the dynamic realm of social media platforms, wherein Musk's perspective on advertising and the sustaining power of Twitter, or rather X, was debated. The hosts pondered the essence of social platforms as news sources with advertising models that can shake the core of traditional marketing strategies, as seen with "woke" advertising targeting specific demographics.5. Corporate Innovation and Political AspirationsA lighter, yet equally engrossing topic emerged as the trio compared Taco Bell's menu stagnation with the bold, and possibly facetious, proposition of Conor McGregor running for President of Ireland. McDonald's rebranding efforts and Starbucks-esque transformations against the backdrop of political celebrity were not short of drawing parallels and raising eyebrows amidst discussions of financial and market trends.Listeners, gear up for next week when Derek, Tony, and Luke take another deep dive into the delicate balancing act of financial foresight and cultural currents. Don't miss out on their assertive yet conversational takes on the capitalist landscape that continuously shapes and is reshaped by every minor and major tremor. Stay tuned, stay informed, and most importantly, stay critical.
Mat and our Executive Director Nate discuss the intricacies of Roth conversions and contributions, addressing questions related to traditional IRA to Roth IRA conversions, the nuances of the five-year rule, considerations for investment opportunities, and rules governing multi-member IRA LLCs. They delve into scenarios where IRA contributions aren't tax-deductible due to high income and touch upon backdoor Roth IRA strategies.Learn how to take control of your retirement - https://directedira.com/Self-directed IRA Podcast - https://matsorensen.com/podcast/Shop my products - https://shop.matsorensen.com/ Blog & Articles - https://matsorensen.com/blog/ Connect with Mat online:Instagram: https://www.instagram.com/matsorensen/Facebook: https://www.facebook.com/mat.sorensen.1LinkedIn: https://www.linkedin.com/in/matsorensen/Twitter: https://twitter.com/matsorensen YouTube: https://www.youtube.com/@MatSorensen
In this conversation, I interview Justin Tarantin, the CEO of Venrollment, a participant engagement platform for retirement plans. We discuss the challenges of in-person education, the birth of Venrollment, the impact of COVID-19, and the importance of branding and differentiation. We also explore how Venrollment enables advisors to target the small plan market and deliver value to plan sponsors. Justin shares his career arc and the vision for Venrollment's future, including expanding into health benefits. The conversation concludes with a discussion on integrating retirement and health benefits and the challenges that come with it. We discuss the challenges and pain points in the retirement space and the importance of understanding the advisor pain points. We also explore the complexity of implementing new tools and the advantage of newer solutions with less technical debt. The focus is on making the advisor's life easier and finding simple solutions to complex challenges. Delegating and outsourcing lower-value activities is emphasized, as well as empowering education specialists. The conversation highlights the importance of investing in technology and using it to educate employees. Listeners are encouraged to connect with Venrollment for more information.
When we fall behind on our holiday shopping lists, there are usually some last-minute deals and expedited shipping options that can help us catch up. But if you fall too far behind on your annual financial planning checklist, you might miss out on some important rule changes or time-sensitive strategies that could impact your retirement next year. Based on the questions we've been fielding lately from Keen on Retirement listeners and readers, I'm glad that so many folks are making time during the holiday hustle and bustle to think about some important issues and get a jump on their 2024 financial planning. On today's show, we discuss popular questions about next year's tax brackets, a controversial video about retirement withdrawals that's been making the rounds on social media, and how seniors should be planning for long-term care.
Most people have bigger goals in mind than just surviving when they retire. For those folks, retirement is about more than just financial security, it's about service. Service to their family, or their church, or their local non-profit of choice. Retirement becomes an opportunity to be more generous with their time, money and resources. These are the people that I find are most fulfilled in retirement. They have a driving purpose. I've been very fortunate in my career to work with people like this. And what I've found is that there is nothing more fulfilling in my business than helping people utilize their resources to be even more generous. And not only that, but to do so in a tax efficient manner. As it turns out the tax code, even with all of the recent changes, still rewards the charitably inclined. So, if you find yourself in the group of financially independent, with a generous disposition, or you aspire to be in this group one day, keep listening. This podcast may be just for you.
A day after announcing he would not run for re-election, Rep. Patrick McHenry joins Tim to talk about why he's retiring and what's next. He also goes in depth on his time temporarily leading the U.S. House as Republicans battled to pick a new speaker to replace Kevin McCarthy who was ousted. We'll learn whether he ever considered long term or short term becoming actual House Speaker, and hear the impact the stress had on his own life.
Jason joined the Pima County Sheriff's Department as I was leaving for the bright lights of the city! He spent 23 years serving the community as a Deputy, SWAT operator and EOD technician. Now, in retirement, he travels the world teaching people how to blow things up, has a big smile on his face and a gleam in his eye! Retirement looks good on him....enjoy the show and please give Jason a warm welcome to the coolest Squad of people I know...
EP382: In this episode, I interview Renee (pronounced like Ree-nie) Langmuir, a seasoned educator of 34 years who unexpectedly found herself transitioning into retirement after not just one but two successful careers. Then one day, her working life abruptly ended and Renee chronicled that experience and her adjustment as a “rookie retiree” in a series of personal essays. Renee reflects on her unique perspective, derived from a blend of researched insights and mindful introspection, provides invaluable wisdom for anyone facing unexpected transitions. In this episode, we talk about: How her sudden retirement happened and the tactics she used to navigate this new phase of life. The role of personal essays in her retirement journey and how they were a vital tool for introspection and gaining new perspective. Her invaluable tip about the first thing you should do when you retire and how it's impossible to do when you are still working. Her sadness but acceptance at knowing she'll never be a grandmother that is relatable to so many. Renee's journey serves as an inspiring narrative, brimming with insights to ease transitions and empower individuals to embrace the next chapter of life with enthusiasm and purpose. With a wealth of experience in education, Renee offers actionable advice and relatable anecdotes, regardless of whether you're on the cusp of retirement or in a state of transition. Tune in now to learn insights and strategies from Renee's remarkable journey, and discover how her experiences can guide you towards a fulfilling and delightful new phase of life. Other ways to find and connect with Renee are: Website: https://www.therookieretiree.com/ Contact: https://www.therookieretiree.com/#contact-me Published posts: https://www.therookieretiree.com/#published-posts If you enjoyed this episode, please leave a review and subscribe to (or follow) this podcast so you don't miss any new episodes. You can also sign up for my newsletter on my website, or if you'd like to connect with me, you can email me at firstname.lastname@example.org or send a message using any of the sites below: Website: https://www.notyouraveragegrandma.com Facebook: https://www.facebook.com/LaurieColvinWright Instagram: https://www.instagram.com/not_your_average_grandma YouTube: https://www.youtube.com/c/NotYourAverageGrandma Note: Not Your Average Grandma is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.
Cortburg Speaks Retirement - episode #165: How To Navigate Global Geopolitical Events / Investment in Stock Market, Financial Planning, Retirement Planning, Money Management Tags: #Cortburg #retirement #retirementplanning #retirementtips #retirementincome #retirementincomeplanning #retirementgoals #retirementinvesting #retirementadvice #retirementgoals #stockmarket #moneymanagement #wealthmanagement #financetips #financialadvice #financialadvice #global #geopolitical #assetallocation #diversification #compoundingreturns #rebalancing #professionaladvice #financialfreedom #financialeducation #insurance #CortburgSpeaksRetirement #MiguelXGonzalez #ApplePodcasts #Spotify #AmazonMusic #Stitcher #iHeartRadio #Pandora #TuneIn #PodcastAddict #Podchaser #PocketCasts #Deezer #ListenNotes #PlayerFM #Castbox #Podfriend About Cortburg Retirement Advisors, Inc. Cortburg Retirement Advisors is a full-service, boutique financial planning firm - helping guide clients through the turbulent and calm economies. Their goal is to help grow, protect, and preserve their assets from their first job through retirement. Cortburg's “all in one house” capabilities mean that their experienced team can help with all financial needs - wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning. Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Jim and Chris sit down to discuss an email from a listener seeking guidance on some decisions they have to make given their situation. The post Guidance On A Listeners Situation: EDU #2349 appeared first on The Retirement and IRA Show.
The way does not exist–there is no one correct way to do things. We are all finding our own ways in life and retirement. Working with an agile structure will help give you the scaffolding to create a retirement plan in an organized way. On this episode, you'll hear how drafting your agile retirement plan can help you discover your unique way to rock retirement. Continue listening to discover the books I read in November, the answers to several listener questions, and the way to create an exercise plan to boost your energy. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ IN NOVEMBER [2:40] The books I read in November LISTENER QUESTIONS [9:37] Books I have recommended in the past [12:25] A refilling tax buckets comment [16:50] Can you make a full HSA contribution for 2024? [19:35] A question on car loans [25:06] How do you know if your retirement plan is resilient [28:52] A book recommendation BRING IT ON WITH DR. BOBBY DUBOIS [30:39] How to show up with energy with exercise [35:43] How to set up an exercise program [39:13] Where to start [42:14] Convert your stationary life to a life of movement [50:16] How to fuel yourself for a workout [53:18] How to build a sustainable exercise program TODAY'S SMART SPRINT SEGMENT [57:00] Assess your process and strategy for retirement Resources Mentioned In This Episode Episode 434 - Functional Health To Rock Retirement - Creating The Right Exercise Plan DoRetirementRight.com Episodes with lists of books I've recommended - 138, 206, 287, 464 The Retirement Answer Man GoodReads Book Club BOOK - Die with Zero by Bill Perkins BOOK - Be Useful by Arnold Schwarzenegger BOOK - Total Recall by Arnold Schwarzenegger BOOK - Only the Dead by Jack Carr BOOK - I'm Proud of You by Tim Madigan BOOK - The Road to Character by David Brooks Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Roger's Retirement Learning Center
Alison Gibson is a former NCAA diving champion and four-time All-American diver at the University of Texas. In 2020, she qualified for the Tokyo Olympics in the women's synchronized 3 meter springboard with partner Krysta Palmer. She is currently training for the 2024 Summer Olympics in Paris. Today on the podcast, we talk to Alison Gibson about her journey with Christ, being judged as a sport, finding her identity in Christ, her definition of success and the decision to come out of retirement to continue her Olympic dream. Sign up for our Sports Spectrum Magazine and receive 15% off a 1-year subscription by using the code PODCAST15 http://SportsSpectrum.com/magazine
Our guest on the podcast today is Dan Haylett. Dan is a financial planner and head of growth for TFP Financial Planning based in the United Kingdom. Dan focuses on financial planning, retirement planning, and life planning for people over age 50. He also hosts a podcast called The Humans vs. Retirement that is centered on the behavioral aspects of retirement. Prior to joining TFP, Dan occupied several positions in the asset-management industry.BackgroundBioTFP Financial PlanningThe Humans vs. Retirement podcastRetirement“How to Become a ‘Retirement Rebel' for a Higher ‘Return on Life,'” by Dan Haylett, humansvsretirement.com.“Retirement Is a Flawed Concept, With Carl Richards,” The Humans vs. Retirement podcast, humansvsretirement.com, June 19, 2023.“Navigating the Changing Relationship With Your Spouse in Retirement, With Ashley Quamme,” The Humans vs. Retirement podcast, humansvsretirement.com, June 5, 2023.Identity and Purpose“Retiring With a Bang: Harvard's 85-Year Study Unlocks Secrets to a Long and Happy Life,” by Dan Haylett, humansvsretirement.com.“Happiness, Fulfillment, and Contentment in Retirement,” by Dan Haylett, humansvsretirement.com.“The Anchors of Retirement Well-Being,” by Dan Haylett, humansvsretirement.com.“Retirement Should Not Be Viewed as the Third and Final Phase of Life,” by Dan Haylett, humansvsretirement.com.Psychology of Spending“Understanding the Deep-Seated Fear of Running Out of Money and Its Impact on Retirement,” by Dan Haylett, humansvsretirement.com.“From 4% Rule to 8% Fool: Unleashing Your Inner Retirement Spending Rockstar,” by Dan Haylett, humansvsretirement.com.“The Psychology Behind Spending Money in Retirement,” by Dan Haylett, humansvsretirement.com.“Annuitized Income and Optimal Asset Allocation,” by David Blanchett and Michael Finke, papers.ssrn.com, Sept. 22, 2017.“Dan Haylett: Is It Good Advice to Give Money Away?” by Dan Haylett, essexcommunityfoundation.org.uk, July 27, 2022.Other“Lessons and Experiences Through the Lens of a Real-Life Retirement Journey, With Andy Murphy,” The Humans vs. Retirement podcast, humansvsretirement.com, June 26, 2023.“6 Weeks Into His Retirement! An Inspirational Real Retirement Story With Neil Jones,” The Humans vs. Retirement podcast, humansvsretirement.com, Nov. 17, 2023.“How to Light Your Retirement Torch With the Father of Life Planning, George Kinder,” The Humans vs. Retirement podcast, humansvsretirement.com, Oct. 6, 2023.“Carl Richards: It Should Be OK to Relax Out Loud,” The Long View podcast, Morningstar.com, July 27, 2021.“Michael Kitces: How Higher Yields Affect Asset Allocation and Retirement Planning,” The Long View podcast, Morningstar.com, May 9, 2023.Mitch AnthonyPaul Armson
Should Brian in Binghamton, New York pay off his mortgage for a guaranteed 6% return? How bad did Steve in Pittsburgh screw up his retirement, and can he afford to buy a new house away from his a-hole neighbors? Can Susan and her husband in Cape Canaveral Florida retire in a year and a half and should they pay off their mortgage? And how can Edith and Archie in Kansas maximize Roth Conversions and factor paying off the mortgage into their retirement spending strategy? Plus, Steve and Marcia in Indiana and Florida wonder about their retirement spending and whether they should collect Social Security now or wait until age 70, and should Sunny D in Arizona keep potential withdrawals in cash or sell investments as needed to satisfy required minimum distributions (RMDs)? We kick things off with Shelly's voicemail about investing the proceeds from the sale of a business. Timestamps: 00:58 - How to Invest $1M From the Sale of a Business? (Shelly - voice) 06:55 - RMDs: Keep Potential Withdrawals in Cash or Sell Investments as Needed? (Sunny D, AZ) 10:00 - Pay Off Mortgage for Guaranteed 6% Return? (Brian, Binghamton, NY) 15:52 - How Bad Did I Screw Up My Retirement? Can I Afford to Buy a New House? (Steve, Pittsburgh) 21:40 - Can We Retire in 1.5 Years? Should We Pay Off the Mortgage (Susan, Cape Canaveral, FL) 32:14 - How to Maximize Roth Conversions While Spending From Our Portfolio and Paying Off the Mortgage (Archie & Edith, KS) 39:39 - Retirement Spending and Collecting Social Security Now or Wait to Age 70? (Steve & Marcia, Indiana & Florida) 47:56 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-458 Withdrawal Strategies Guide Free Financial Assessment Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis
Are you concerned about how taxes will impact your retirement? Wondering if there is anything you can do? How would you feel about paying some taxes now in order to save yourself a lifetime of taxes?In this episode, we embark on an engrossing journey into the world of Roth conversions, breaking down the complex idea into easy-to-understand segments. Also, we emphasize the crucial role of long-term financial projections in making decisions and underscore how inflation and income taxes come into play.From there, we steer our conversation toward an often-overlooked aspect of financial planning: tax planning. We highlight the significance of weighing both short-term and long-term implications before making any financial commitments. Additionally, we discuss the essentials of understanding your current and future tax bracket, individual circumstances, and financial goals. Could you be leaving your heirs a tax bomb? Wanting to name your heirs as beneficiaries on your retirement accounts is a noble thought, but it could be a costly one. Listen in as we decipher tax strategies for charitable inheritance and how they could potentially shape your financial legacy.Our final leg of the journey takes us into maximizing Roth conversion benefits, where we shed light on the need to understand projections and the potential pitfalls of online financial decision-making. We discuss the benefits of strategic asset allocation, particularly placing more aggressive investments in the Roth for tax-free growth.Join us in this riveting exploration as we aim to help you get the most out of your money and life!______________________________________________________________Looking for additional content that can help you get the most from your life? Check out Unleashing Leadership with Travis Maus, premium bonus content from Ditch the Suits Fans, at https://unleashingleadership.buzzsprout.com/Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.comDitch the Suits is produced by NQR Media. NQR also produces the One Big Thing Podcast with Steve Campbell. You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia
Job Openings in October showed Slowing Demand in the Labor Market, EP Wealth CFP Chad Burton discusses with Rob what you should know when getting Closer to Retirement and More on Rob and Chad's live webinar Thursday, December 7th
In this insightful episode of the Infinite Wealth Podcast, our hosts Cameron and Anthony are joined by client and successful entrepreneur Sahil, who shares his personal and professional odyssey with infinite banking. Listeners will hear Sahil's success story, from establishing a cannabis enterprise to creatively financing his endeavors via policy loans from life insurance policies. The episode also delves into the philosophy and mindset shifts necessary to maximize the benefits of infinite banking, with Sahil providing a blend of anecdotes and practical advice for listeners interested in replicating his success. This episode is the first of series showcasing how out clients have used their Infinite Banking policies to grow their wealth. Enjoy this episode and subscribe for more! Resources: Schedule your 15-minute call with Anthony or Cameron here: http://bit.ly/iwc15podcast Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC
Investing in real estate can build you massive wealth. And here's the secret no one wants to tell you: it isn't all that hard. But before you jump to conclusions and call real estate a get-rich-quick scheme, let's lay down the law. Investing in real estate is a simple, repeatable process that MANY Americans have used to get rich, but it takes knowledge and time to succeed. Where do you go to learn how to buy your first or next rental property? Well, you're already here! In this bonus episode, Scott Trench, CEO of BiggerPockets AND decade-long investor, will share his five-step, repeatable process for finding and analyzing real estate deals. Scott has taken the SLOW route to wealth. He doesn't have a hundred units, a big real estate fund, or a yacht. But he does have a thirteen-unit passive-income-producing rental portfolio that pays him money every single month. Stick around to learn how YOU can get your first or next rental property in 2024. Want full access to the tools and resources from this episode, including calculators and rent estimators? Sign up for BiggerPockets Pro and use code “STABLEWEALTH24” for a special discount! In This Episode We Cover: The five-step process to find real estate deals in any market How Scott built a thirteen-unit real estate portfolio in under ten years The slow, steady, repeatable path to wealth with buy and hold rental properties Scott's 2024 housing market, mortgage rate, and price predictions How to choose a rental property market depending on your goals And So Much More! Links from the Show Find an Agent Find a Lender BiggerPockets Youtube Channel BiggerPockets Forums BiggerPockets Pro Membership BiggerPockets Bookstore BiggerPockets Bootcamps BiggerPockets Podcast BiggerPockets Merch Listen to All Your Favorite BiggerPockets Podcasts in One Place Learn About Real Estate, The Housing Market, and Money Management with The BiggerPockets Podcasts Get More Deals Done with The BiggerPockets Investing Tools Find a BiggerPockets Real Estate Meetup in Your Area Rent Estimator Rental Property Calculator Connect with Other Investors on the BiggerPockets Forums Grab the “Quick Start Guide” to Real Estate Hear Scott on the “BiggerPockets Money” Podcast Work with Rent to Retirement for Your First or Next Turnkey Rental Property Books Mentioned in the Show: Set for Life by Scott Trench First-Time Home Buyer by Scott Trench Connect with Scott: Scott's BiggerPockets Profile Click here to listen to the full episode: https://www.biggerpockets.com/blog/real-estate-q4-3 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email email@example.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Key TakeawaysRedefining Success: Understand the importance of defining your financial goals beyond monetary success, emphasizing experiences and quality of life.Net Worth Tracking: Learn why tracking your net worth is the ultimate financial scorecard, enabling strategic decisions and avoiding the emotional roller coaster.Strategic Investments: Explore the mindset shift from just saving money to strategically investing in various avenues, including real estate, stocks, and tax-efficient vehicles.Team Building: Recognize the significance of building a financial team, from certified financial planners to estate planning attorneys, tailored to your unique goals.Balancing Act: Embrace the balance between saving for the future and enjoying the present, creating lasting memories without compromising long-term financial security.Resources MentionedInterested in connecting with other like-minded individuals? Then join our VonFinch Private Capital Network. Learn more at http://www.vonfinch.com/invest. About our Guest:Lisa Chastain is a seasoned financial expert and business owner dedicated to helping individuals take control of their financial destinies. With a background as a financial advisor, she shifted her focus to coaching, empowering others to navigate the complex world of finance with confidence. Lisa's unique approach combines strategic financial planning with mindset mastery, offering a holistic perspective on achieving both short-term and long-term financial goals. CTAsAre you looking for High-Performance Business & Mindset Coaching? Schedule a call now and see how we can be of service to you. http://www.investormindset.com/discoverEstablish your relationship with VonFinch now for exclusive invite-only opportunities. Schedule an introductory call now at http://www.vonfinch.com/call.Download your free strategy guide, The Passive Investor Playbook at http://www.vonfinch.com/playbookAre you looking for High-Performance Business & Mindset Coaching? Schedule a call now and see how we can be of service to you. http://www.investormindset.com/discoverInvesting to Hedge Against Inflation - Free online training at https://investormindset.com/start
Jenny Chiu, Lisa Carlin, Sandra Herrera, and Darian Jenkins discuss the latest news in the women's game including Caroline Seger announcing her retirement from international play, Sarah Lowden formally leaving the Houston Dash, and the 2025 Euros taking place in Switzerland (2:10). Then, the crew talk Women's Nataions League Match Day 5 with England surpassing the Netherlands and Sweden missing the Olympics for the first time ever (9:50). Next, Christine Cupo is welcomed in to discuss the Italy's huge upset over the current World Champions Spain (24:33). Then, the A3 team take a deeper look at the USWNT result over China from the weekend, what stood out, and what they hope to expect when the two face off again Tuesday night (33:48). And finally, some notable CONCACAF Women's Gold Cup results including Mexico over Puerto Rico to punch their ticket to the Group Stage (42:50). Watch USWNT, NWSL and WSL games on P+" with a link to https://www.paramountplus.com/home/ Attacking Third is available for free on the Audacy app as well as Apple Podcasts, Spotify, Google Podcasts, Stitcher and wherever else you listen to podcasts. Follow the Attacking Third team on Twitter: @AttackingThird, @SandHerrera_, @LisaCarlin32, @Jordangeli , @JennyaChiu and @Darian_Jenks. Visit the Attacking Third YouTube channel: https://www.youtube.com/attackingthird You can listen to Attacking Third on your smart speakers! Simply say "Alexa, play the latest episode of the Attacking Third podcast" or "Hey Google, play the latest episode of the Attacking Third podcast." For more soccer coverage from CBS Sports, visit https://www.cbssports.com/soccer/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
If you've ever dreamed of leaving the corporate rat race to pursue your creative calling, Nancy Marks' story will inspire you. After 30 years in tech, she discovered fused glass art and found it lit her up inside. Now Nancy runs a thriving glass art studio, teaches classes, and has built an uplifting community around art. Tune in for an encouraging chat about how to make major life changes and embrace imperfection.
In this Episode of the Secure Your Retirement Podcast, Radon and Murs have Anne Rhodes discuss how the wealth.com platform simplifies estate planning. Anne is the Chief Legal Officer at wealth.com with a mission to make estate planning and cross-generational wealth transfer affordable and accessible to more Americans.She describes the two buckets where the core documents every American must have fall and their importance in estate planning.Listen in to learn about the importance of documents like the HIPAA form, certification of trust, and why you should consider a trust versus a will. You will also learn how wealth.com is set up to reduce estate planning friction and simplify estate planning for financial advisors and their clients.In this episode, find out:The core documents every American needs to have in case of death or incapacitation and their importance.The HIPAA form – What does it allow you to do?The certification of trust – accompanies a living trust as a cover sheet, so you don't have to reveal your trust's private information.Reasons to consider having a trust versus a will, like privacy and reducing the cost and time of probate. Anne explains the process from signing the documents to making them legal.Tweetable Quotes:“The HIPAA release form is important to accompany the advanced healthcare directive.”- Anne Rhodes“We really want to give financial advisors and their clients a tool that they can trust to go deeply into this estate planning world.”- Anne RhodesGet in Touch with Anne:LinkedIn: https://www.linkedin.com/in/annexrhodes/Resources: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.
Jesse is back with another round of questions from his inbox, including whether or not a listener should sell her rental property, whether it's worth buying a new car to relieve the stress of sticking with an old car with problems, and if pausing retirement savings to get a month ahead on expenses is worth consideration. Got a question for Jesse? Send him an email: firstname.lastname@example.org Sign up for a free 34-day trial of YNAB at www.youneedabudget.com Follow YNAB on social media: Facebook: @iYNAB Instagram: @youneedabudget Twitter: @ynab Tik Tok: @ynabofficial
Today we're bringing back a fan favorite from 2022. The Fine Print of Beneficiary Designations. This is something that seems straightforward at first glance - just fill out a form naming the people you wish to inherit your account in the event that you pass away. Seems simple enough, right? What lurks in the background is some nuance contained within these designations that may result in unexpected outcomes. Two examples: -Not properly designating per stirpes vs. pro rata can actually lead to accidentally disinheriting members of your family that you had NO intention of cutting out -Leaving a trust as the beneficiary can be the perfect solution or the worst solution (depending on the language in your trust) In this episode, John and Devin discuss how to ensure your assets will be passed in accordance with your desires (without leaving a tax bomb as a parting gift). If you're thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. Contact Devin's team at https://www.carrolladvisory.com/ Contact John's team at https://www.rossandshoalmire.com/
Navigating the sea of financial news can be overwhelming, with most of it merely adding to the noise. But fear not — John breaks down the essential retirement strategy that cuts through the clamor, teaching you how to discern what truly matters and leverage potential opportunities for your investments. (1:18) Plus, what valuable investment lessons we can learn from OpenAI's situation (5:03) and where is the best place to save your money? (29:57) Presented by Creative Planning, each week Host and Managing Director John Hagensen cuts through the headlines and loud takes to challenge the advice you may have been given and reaffirm what you know to be true. Plus, don't miss his weekly interviews with Creative Planning specialists as they cover investing, taxes, estate planning and many other areas that impact your financial life! Important Legal Disclosure: creativeplanning.com/important-disclosure-information/ Have questions or topic suggestions? Email us @ email@example.com
Today, I'm talking to Dr. Riley Moynes. Dr. Moynes is a bestselling author, former financial advisor, and TEDx speaker. Not only has he coached countless individuals through their retirement journey–he's experienced it himself. His newest book is an updated and expanded edition of The Four Phases of Retirement: What to Expect When You're Retiring. We're going to dig into what these four phases are, but also how they applied to Riley in his own life. In our conversation, you'll learn how he waltzed through phase one, struggled through phase two, tried countless ventures in phase three, and found a new calling in phase four. If you're trying to identify your unique abilities and create a fulfilling future, this episode is a must-listen! GET A FREE COPY OF DR. RILEY'S BOOK, THE FOUR PHASES OF RETIREMENT 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 BOOK, that's BOOK to 866-482-9559 for a link to our book request page, complete the form and we will ship you the book for free. It's that simple! In this podcast interview, you'll learn: Why the so-called ideal retirement gets boring fast for so many people. What Riley learned by interviewing over 100 retirees about their experiences–and how he created a framework to help others live more impactful lives in retirement. The real reasons so many retirees struggle with depression, marital strife, and ennui. Why giving back and providing service is almost always at the root of finding purpose in retirement. How Riley tried on almost a dozen projects over seven years to reach his “phase four.” Show Notes: RetireWithPurpose.com/406 Rate & Review the Podcast: RetireWithPurpose.com/review Sign Up to Casey's Weekend Reading Email! Sifting through the copious amount of conflicting financial advice and retirement information can be daunting - but it doesn't have to be! Each week, Casey makes it super easy. He hand-picks 4 of the most important articles you need to read, that are beneficial to you whether you're at, near, or in retirement! If you want them sent straight to your inbox, sign up by visiting RetireWithPurpose.com/weekend-reading
Graduating from full-time work next year? Join our Design Your New Life in Retirement group program starting on January 25, 2024. Learn more and Register soon | Limited to 10 participants ______________________ Is your 401(k) better prepared for retirement than you are? The Retirement Wisdom Podcast helps retire smarter by preparing well for life in retirement. Catch up on the best of our recent retirement podcast conversations on how to edit your life; mindfulness and health; what we can learn from super-agers; elder justice; the new age of aging - and what the first two years of retirement are really like. ________________________ Listen to the full conversations: Edit Your Life – Elisabeth Sharp McKetta The Mindful Body – Ellen Langer The Big 100 – William J. Kole The Measure of Our Age – MT Connolly The New Age of Aging – Maddy Dychtwald Life After Work – Brian Feutz _________________________ Podcast Episodes You May Like Best of 2023 – Part Two Best of 2023 – Part One The Very Best of 2022 The Best of 2021 – Retirement Wisdom ________________________ 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 The Multipurpose Retirement.™ A meaningful retirement doesn't just happen by accident. It takes more than a vision. 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 also 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 twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1 % globally in popularity by Listen Notes, with over 1 million downloads. Business Insider has 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
Kim Magdalein entered the insurance industry in 1985. Opening a private practice in 2001, Kim marketed to retirees by means of seminars. He presented to over 800 audiences in the next seven years, producing $150,000,000 in annuity premiums. Kim left his practice to his two sons in 2008, continuing with a seminar marketing company, that he still owns producing over 17,000 seminars across the nation for financial advisors.Learn More: https://www.linkedin.com/in/kim-magdalein-6ab03817/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/kim-magdalein-w-magdalein-financial-how-social-security-planners-of-america-helps-advisors-mitigate-taxes-in-retirement-for-their-clients
On this edition of GFA Live, Peter and Keithie talk about WWF Superstars from April 29, 1989! (and some other stuff, of course!) Topics of discussion include: * The Valentine-Garvin retirement match * The issue to consider when rebooking the 1993 Royal Rumble * Christmas Carols with GFA Sid * The Undertaker as a public celebrity * Jimmy Hart: manager to the Canadian stars * Pondering Demolition Ax as a singles wrestler