Podcasts about Retirement

Don and Tom take on the latest attempt to reinvent retirement investing: the claim that retirees should hold 90% stocks and just 10% bonds. They explain why focusing on recent stock returns ignores both history and human behavior, discuss the role bonds play in managing risk and retirement income, and remind listeners that successful investing is about meeting your goals—not maximizing returns at any cost. They also answer a listener question about claiming Social Security early versus waiting until age 70 and revisit the importance of maintaining exposure to emerging markets despite their volatility.0:12 The newest retirement “better mousetrap”: 90% stocks, 10% bonds1:48 Bob Pozen's argument for aggressive retirement portfolios3:01 Why 10-year return data can be misleading4:16 The psychology of large portfolio losses5:42 Bonds are not stocks: understanding the difference7:37 How fixed income supports retirement withdrawals8:22 Why retirees should know their actual asset allocation10:04 Taking only the risk you need to take12:25 Remembering how investors felt in 2000, 2008, and 202213:33 Using the Talking Real Money risk quiz14:27 Summer request for listener questions15:31 Listener Scott asks about claiming Social Security early17:07 Why delaying Social Security can still make sense18:32 The value of Social Security's guaranteed increase20:11 Risks of assuming stock market returns will cooperate21:55 Why contrarian retirement advice attracts attention22:25 The overlooked role of emerging markets23:50 Why emerging markets belong in diversified portfolios24:30 The risks and rewards of global diversificationQuestions? Comments? Click!

After several “Good Morning” greetings, the Fat One recaps his day in Fat Acres which included a possible dropping of the Miss Gayle King show, a phone call to reverse a pre-mature charge, the conclusion of the TurnipHed questions about RTEY, a postcard and more. Happy National Apple Strudel Day

The two hardest jobs you'll ever take on come with zero training: fatherhood and entrepreneurship. Adam Holt, co-founder of REBL Dads, is back on the show to share how the movement is supporting entrepreneur fathers in both business and family. In this episode, you'll learn what it really means to be a REBL Dad, the lesson that changed how he shows up for his own family, and their new book that turns 100+ stories into actionable ways you can lead better at home and work. Plus, get an inside look on their Necker Island events and how they got Richard Branson on board. Topics discussed: 00:00 Introduction 01:56 Adam's journey to founding REBL Dads 03:51 The mission and Necker Island origin story 07:50 What REBL Dad stands for 09:33 Inside the Necker Island experience 14:45 Presence vs. intentional presence 17:50 The making of the REBL Dad book 21:40 Turning the book into real action 29:00 What brought you JOY today? Get the book, REBL Dad: What 100+ Fathers Reveal About Successful Leadership at Home and Work: https://www.rebldads.com/book Listen to episode 194 with Adam Holt: https://www.mitlinfinancial.com/insights/blog/visualizing-your-financial-future-with-asset-maps-adam-holt-194/ What brought you JOY today? (29:57)If you're a writer who wants to take control of your finances, read Mitlin Financial's  Write Your Financial Future: A Financial Guide for Authors: https://www.mitlinfinancial.com/insights/blog/write-your-financial-future-a-financial-guide-for-authors/ Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung About Our Guest: As a tech innovator and CEO, I co-founded REBL Dads to foster authentic connection among high-achieving fathers. My passion for learning and mentoring along my entrepreneurial journey helped me recognize the similarities between shepherding a business and leading a family. Recognizing my own shortfalls inspired me to help build a community of like-minded fathers. Connect with Adam Holt: LinkedIn: https://www.linkedin.com/in/hadamholt/ Instagram: https://www.instagram.com/rebldads/ Facebook: https://www.facebook.com/rebldads X (Twitter): https://x.com/REBL_Dads/ Website: https://www.rebldads.com/ Email: media@rebldads.com Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

What to remember about money while in your Thirties, What to know about AI trends, Check out recent Webinars with CFP Chad Burton of EP Wealth Advisors at Rob's website

In this episode, David McKnight addresses one of the biggest myths in retirement planning: once you retire, you need to dramatically reduce your exposure to stocks. The reason why most financial advisors recommend reducing stock exposure in retirement has very little to do with stocks and everything to do with sequence of returns risk. Sequence of returns risk is what happens when you're forced to withdraw money from your investment portfolio during a market downturn. If the market falls 30% and you're simultaneously taking withdrawals to pay for your living expenses, you're locking in losses and permanently impairing your portfolio's ability to recover. According to David, the way to solve this problem is by ensuring that your essential expenses are covered before you ever retire. When you're at least five years out from retirement, David believes that one of the most important decisions you can make is to create the so-called income floor. An income floor is a guaranteed stream of income that covers your basic living expenses regardless of what the stock market is doing. The volatility shield adds a second layer of protection that has to do with discretionary expenses (e.g., a trip around the world, taking the grandchildren to Disney World, etc.). Suze Orman has controversially recommended that retirees keep 3-5 years' worth of living expenses in a savings account, so they don't have to sell investments during a market downturn. While David agrees with the concept, he doesn't see savings accounts as the most efficient place to put that money in. Instead, he'd rather have retirees accumulate that money in a completely separate account (a volatility shield) – which, unlike a savings account, has the potential to grow 5-7% net fees over time. Looking for an alternative volatility shield? Look at cash value life insurance in the form of indexed universal life (IUL), says David. An Ernst & Young study found that retirees who included the volatility shield strategy and a guaranteed lifetime income annuity in the retirement plan were able to dramatically increase the sustainable withdrawal rate on their investment portfolio. Since the early 1990s, the gold standard on sustainable withdrawal rates has been 4%. The 4% Rule says that if you withdraw approximately 4% of your portfolio each year, there's a reasonably high chance that your money will last a full 30-year retirement. However, when retirees had access to a volatility buffer and could avoid taking distributions following market downturns, sustainable withdrawal rates increased dramatically (in some scenarios, up to 8%). David is a believer of the fact that the portfolio that got you into retirement can also take you through retirement – with a recommended 70% in U.S. stock market index funds and 30% in international stock market index funds. For David, the reason why this approach works well is that, with it, you solve the two biggest issues in retirement: income and volatility. Moreover, if you can position these assets inside tax-free accounts through strategic Roth contributions and Roth conversions, you gain protection against yet another threat, tax rate risk. David concludes by stressing that it is not that the buy-and-hold strategy doesn't work, it's that most retirees don't have the protection tools necessary to stay committed to the strategy when markets become turbulent.     Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman Ernst & Young

Social Security crowds out private savings, the tax code penalizes investment, and Trump accounts can leave families worse off than a plain brokerage account. Cato's Romina Boccia and Adam Michel break down what's wrong with Trump accounts and why universal savings accounts are the fix. Hosted on Acast. See acast.com/privacy for more information.

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Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal strategies, and the importance of diversification. They also respond to a listener defending Robinhood's platform, debate gamification in investing, and discuss Philadelphia's new automatic retirement savings program designed to help workers without employer-sponsored plans.0:05 Introduction: Dividend income vs. total return investing1:44 Why retirees are attracted to dividend-focused portfolios2:19 What a total return strategy actually means3:37 The appeal of predictable dividend income4:55 High-yield ETFs and the risks behind the payouts5:03 Why dividends are not free money6:10 Larry Swedroe's argument: dividends are not income6:27 Understanding the dividend trap7:05 Extreme dividend yield example: GMEX Robotics8:35 YieldMax and triple-digit yields9:44 Why academics favor total return strategies10:48 Rebalancing as an income source in retirement11:43 The hidden risks of income-focused products13:30 Bridge-playing and retirement banter14:21 How listeners can submit questions15:12 Listener question: Is Robinhood getting unfair criticism?16:13 Robinhood, gamification, and investor behavior18:18 Why “stodgy” may be good for money management19:53 Philadelphia's new retirement savings initiative20:45 Automatic enrollment and retirement success22:30 Why saving must be made easy23:28 Free portfolio reviews at Appella24:21 Discussion of The Line Uncrossed26:47 Family history and future book possibilitiesQuestions? Comments? Click!

Americans are living longer, but the financial cost of aging may be higher than most people realize. In this episode, Kathy Fettke sits down with Jessica Forden of The New School to discuss the rising cost of long-term care, the role of Medicaid, the impact on home equity and inheritances, and the retirement risks that could affect millions of families in the decades ahead.   Want to learn more about the housing market? Visit www.RealWealthShow.com    DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com.  

Retirement but make it with beer and chocolate and pretzels!Belgium may not be the first country gay men think of when dreaming about retirement abroad.Spain gets the beaches. Portugal gets the Golden Visa glow-up. Mexico gets the “I can afford this with a side of guacamole.” Belgium gets beer, waffles, chocolate, bureaucracy, and weather that sometimes feels like central Pennsylvania has been emotionally unavailable since 1998.But don't sleep on Belgium.For LGBTQ+ retirees, Belgium offers something a lot of countries are still trying to figure out: strong LGBTQ+ protections, marriage equality, adoption rights, anti-discrimination protections, hate crime laws, excellent healthcare, reliable trains, and easy access to the rest of Europe.In this episode of Queer Money, we're ranking the top 5 cities and towns in Belgium for gay retirement abroad, with a focus on affordability, queer friendliness, lifestyle, healthcare access, transportation, and retirement fabulousness.And yes, as always, we're slightly overweighting affordability. Because everybody loves a rainbow glow-up, but we also love lower rents and being able to afford our lives the other 364 days of the year.We compare each Belgian city to Philadelphia, our touchstone city for this episode, because it's one of the more affordable LGBTQ+-inclusive big cities in the United States.This week, we cover Leuven, Brussels, Antwerp, Ghent, and Liège, breaking down the queer vibe, cost of living, average two-bedroom rent, local LGBTQ+ organizations, bars, lifestyle fit, and our Queer Money Retirement Rating for each.Takeaways from this episode:Why Belgium may be better for gay retirement abroad than many people assumeWhich Belgian cities offer the strongest mix of affordability, culture, and LGBTQ+ friendlinessWhy Brussels has the biggest queer scene, but not the best affordability scoreWhy Antwerp may appeal to gay retirees who want style, nightlife, and queer visibilityWhy Ghent could be one of Belgium's best lifestyle sweet spotsWhy Leuven may work for retirees who want a polished, walkable university townWhy Liège takes the top spot for affordability, culture, and retirement fitHow Belgium compares with Philadelphia for cost of living and rentWhy LGBTQ+ legal protections, healthcare, trains, and quality of life make Belgium worth consideringBelgium is not the cheapest country we've covered. But if you want Western European infrastructure, LGBTQ+ protections, healthcare access, culture, trains, and a life that feels stable without feeling sleepy, Belgium deserves a closer look.Stay fabulous, not fabulously broke.Download your Queer Money Retire Abroad Checklist here.Mentioned in this episode:What if your portfolio came with a visa and passport?That's exactly what the Optimize Portugal Golden Opportunities Fund can do, bringing together diversification, tax efficiency, and a path to EU residency and a passport. Click the link below to explore your ticket to Europe.Get Your Portugal Golden Visa Here!Portugal is calling. Will you answer?Don't just dream of moving to Portugal, make it happen with the investments in your IRA. Investing in Portugal gets you residency, the ability to work in Portugal and returns that just may outpace the U.S. like the Optimize Portugal Golden Opportunities fund did in 2025. Get Your Portugal Golden Visa Here!

Executive Summary In the third and final episode of the Prosperity Podcast's retirement series, Kim Butler and Spencer Shaw arrive at the topic most people want to start with: portfolio allocation. But three episodes in, the foundation is in place, and the numbers hit differently. Kim opens by explaining why the typical 60/40 stocks-to-bonds split is far more dangerous than most investors realize, and why the math behind it rarely matches the projections people are shown. The core problem is a triple drag: taxes, fees, and opportunity cost. Every dollar paid in taxes or fees does not just leave the portfolio. It removes that dollar's future compounding power for the life of the investment. Kim illustrates with a stark example run through Todd Langford's TruthConcepts calculators: a $2 million portfolio projected to grow to $14 million can, under the weight of taxes, fees, automatic rebalancing costs, and forced withdrawals during market downturns, shrink to less than $1 million in real outcome. The numbers were so surprising that Todd ran them twice on separate tools before Kim felt comfortable sharing them. The solution Kim presents is replacing the bond allocation, typically 40%, with whole life insurance cash value. In the analysis, doing so kept the overall portfolio close to its $14 million potential. Whole life cash value carries no market volatility, no tax drag, and does not create forced selling during downturns. Combined with a cash flow bridge, a separate liquid position you can draw from when markets are down, this structure prevents paper losses from becoming actual losses. The episode closes with a brief overview of two whole life strategies: the Infinite Banking Concept and the Rockefeller approach, and an open invitation to reach out to Kim directly at hello@prosperitythinkers.com for personalized guidance. Links & Resources Mentioned For resources and additional information of this episode go toEmpower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords 60/40 portfolio problems, portfolio allocation retirement, whole life insurance cash value, bond alternative investment, cash flow bridge retirement, opportunity cost investing, taxes fees retirement portfolio, infinite banking concept, Rockefeller approach life insurance, retirement portfolio strategy, prosperity thinkers, financial freedom, stock market volatility retirement, automatic rebalancing cost, TruthConcepts calculators, replace bonds whole life, wealth preservation, financial education, prosperity economics, retirement investment strategy Episode Highlights [00:00:00 - 00:01:49] Spencer frames part three and Kim explains why jumping to investments first skips the essential foundation. [00:01:49 - 00:03:14] Kim introduces the 60/40 stock-to-bond split and the common assumption that a 12% market return makes a 4% withdrawal risk-free. [00:03:14 - 00:04:47] Kim explains automatic rebalancing: how resetting from 65/35 back to 60/40 creates taxable events and fees every cycle. [00:04:47 - 00:05:52] The triple drag: taxes, fees, and opportunity cost. Every dollar paid out removes its future compounding power permanently. [00:05:52 - 00:06:53] The $2M to $14M to under $1M example. Kim introduces the finding that replacing bonds with whole life cash value recovers the $14M outcome. [00:06:53 - 00:07:31] Todd's verification process: HP 12C and TruthConcepts run in parallel to confirm the result before publication. [00:07:31 - 00:08:12] Who should be looking at this now: 30s, 40s, and 50s. Not 65. Though 65 is not too late. [00:08:12 - 00:09:35] The cash flow bridge: a non-correlated cash position that prevents selling a down portfolio and turning paper losses into actual losses. [00:09:35 - 00:11:12] Spencer's observation: bonds and typical retirement planning both produce slow attrition. Kim names whole life insurance cash value as the alternative vehicle. [00:11:12 - 00:13:41] Two whole life approaches: Infinite Banking (high cash value, low death benefit) vs. Rockefeller method (high death benefit). Kim invites personalized email conversations. [00:13:41 - 00:14:32] Spencer wraps the three-part series: control is returned to the listener. Retirement as a concept is reframed. Subscribe CTA.  

What happens to your practice when you're ready to walk away? Most private practice owners have no idea. Lord knows I sure didn't when that day came for me.And this week's guest, Dr. Ruth Mannschreck, believes that's a problem - and she wants you to KNOW what to do. A dentist, practice strategist, and founder of Shoreline Strategies, Ruth helps practice owners create businesses that run more efficiently today while also becoming far more valuable tomorrow.So in this episode, we'll talk about how to prepare your business to sell - information you need. But what surprised me about this conversation was that it's not really about selling your practice at all. It's about building a business that isn't completely dependent on you, one that can survive and thrive even after you're gone.There are many reasons you may want to step away from your practice some day. Retirement is the obvious one, but there are many others. So whether you're thinking about an exit in five years or twenty-five, the lessons in this episode can help you create a healthier practice, a stronger team, a better client experience, and more options for your future.And isn't that a good thing? :) In this episode, you'll hear...The four pillars of a healthy practice that's ready to sell.Why most owners wait far too long to think about their exit strategy (and what to do instead.)How Ruth cut her clinical hours in half while ultimately doubling her revenue. (Wait a minute. Whaaaa?!)Why systems, culture, and team ownership matter WAY more than most owners realize.And really, we'll talk about how creating a practice worth selling means creating a healthier business right now… so that you can build a practice that serves your clients well today without trapping you in it forever.Ruth also created a free resource that walks through the framework we discussed in today's episode. Visit www.PrepItNow.com to grab a checklist to help you begin thinking strategically about your own future.I wish I'd known all of this when I started my practice. Don't wait. ~WendyP.S. There are MANY reasons why you will one day want to walk away from your practice... so this conversation is worth hearing. What you're building today will bring value and choices to your life tomorrow._______________TODAY'S GUEST:  Dr. Ruth Mannschreck  Mannschreck is a dentist, practice management strategist, and founder of Shoreline Strategies. After spending more than 30 years in private practice, she learned firsthand how systems, culture, and leadership can dramatically improve both quality of life and business performance. Following the sale of her own practices (twice!), she became passionate about helping other owners avoid the mistakes she made and prepare their businesses for successful transitions. Today she helps private practice owners reduce their workload, strengthen their teams, and build practices that can thrive long after they're ready to step away.Her website: www.ShorelineStrategies.com  A Free Resource: www.prepitnow.com  LinkedIn: linkedin.com/in/ruthmannschreck_______________WANT to BE a GUEST on the podcast?We are currently scheduling interviews for the 2nd half of the year. If you have a clear message, an engaging style, and a heart for healers, let's meet!  Submit your application right here.Support the showWendy Pitts Reeves, LCSWHost, Ideal PracticePrivate Practice Coach and Mentorwww.WendyPittsReeves.comWendy@WendyPittsReeves.com

Are today’s low tax rates creating an opportunity—or a future challenge? This episode with Matt Deaton explores Roth conversions and why relying solely on projections and assumptions can lead to flawed decisions. The discussion focuses on understanding current versus future tax rates, how income sources shape your tax picture, and why every strategy needs to be personalized. You’ll also hear how taxes, income planning, and long-term projections work together, along with the role of consistency and discipline in navigating the ups and downs of retirement planning. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The stock market's performance during the first part of 2026 is prompting fresh questions about what history may or may not suggest about the months ahead. On this episode of the Money Matters Podcast, join Wes Moss and Connor Miller as they connect the dots between market trends, diversification, inflation, and the often-overlooked ingredients of retirement happiness. • Examine how markets have historically behaved following notable early-year gains. • Explore the growing role of technology and artificial intelligence in helping to shape market leadership. • Assess concentration risk and diversification considerations across major market indexes. • Unpack the buzz surrounding a highly anticipated private-company public offering. • Consider how your goals, time horizon, and risk tolerance may influence investment decisions. • Discover why friendship and social connection may play a larger role in retirement happiness than many people realize. • Follow the latest inflation data and the categories helping to drive recent price changes. • Learn how to pre-order Wes Moss's new book, The Retire Sooner Method, and access available bonuses. Listen and subscribe to the Money Matters Podcast for context on market trends, retirement planning, and the factors that help shape financial decision-making.

Can leveraging home equity and reverse mortgages actually help seniors manage retirement expenses and care costs? In this enlightening episode, host Wendy Jones sits down with Joe Bigelman, a mortgage loan consultant with John Adams Mortgage. Joe shares his expertise on how seniors can use their homes—their largest financial asset—to cover high costs of care, including assisted living and in-home support. He explains strategies that can provide funds while allowing seniors to remain in their homes and maintain ownership. Joe demonstrates how proper planning can relieve financial stress and preserve quality of life. Whether you’re a senior, caregiver, or someone planning for retirement, Joe offers actionable advice on maximizing home equity, securing financial stability, and ensuring peace of mind in later years. Key Highlights in this Episode: Home Equity Options: Joe explains how refinancing, cash-out loans, and home equity lines can provide flexible funding for seniors’ care needs. Reverse Mortgages Demystified: Learn how reverse mortgages work, including ownership, loan balance growth, and how they can eliminate monthly payments while allowing seniors to remain in their homes. Real-Life Case Studies: Stories of clients navigating care costs and limited retirement funds highlight practical applications and benefits of these strategies. Financial Planning Tips: How to preserve equity, plan for long-term care, and maintain financial security in retirement. Veteran Benefits: Information on aid and attendance programs offering monthly financial support for eligible veterans and their spouses. Resources & How to Contact the Guest: Call Joe Bigelman at 248-302-3652Visit: John Adams Mortgage 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.

Today we'll be talking about Moscow warning its citizens to avoid Thailand if they're at risk for US extradition, then, a murder mystery is currently unravelling in Don Mueang, also we have a slew of Brits in Thailand news ranging from the tragic to the criminal, in ASEAN news we'll take a look at the lengths people in Myanmar are going to try to regain a sense of normalcy amidst their civil conflict, and finally Thailand is climbing the ranks of best countries to retire in, but where exactly has it placed among the competition?

The show discusses the market's optimism due to the Iran deal and the implications of the US-Iran ceasefire extension. It also provides detailed insights into the Rule of 55, a retirement rule that allows penalty-free access to retirement funds before age 59 and a half.TakeawaysMarket optimism due to the Iran dealImplications of the US-Iran ceasefire extensionUnderstanding the Rule of 55 for retirement planningChapters00:00 Market Optimism and Iran Deal07:16 Retirement Rule: Rule of 5515:14 Market Recap and Analysis28:26 Retirement Rule: Rule of 55 - Part 444:30 Retirement Rule: Rule of 55 - Part 5

What does it really take to replace your paycheck in retirement—and why might the old 4% rule fall short? This episode explores the rising cost of retirement, estimated at $5,300 per month, and the critical role of guaranteed income sources like Social Security and pensions. Kevin Madden discusses building reliable cash flow using alternative strategies, from fixed annuities to diversified income planning, while addressing risks like inflation, market volatility, and overreliance on 401(k)s. The conversation highlights how tailored income strategies—not arbitrary savings targets—shape long-term financial stability. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement isn’t the market—but something far more personal and unpredictable? In this episode, Jim Fox takes a raw look at how healthcare, long-term care, and unexpected life events can impact retirement plans. The conversation highlights why planning goes far beyond investments, covering income gaps, Medicare complexities, and the rising cost of care. Jim explains why these real-world risks are often overlooked—and why building a strategy that accounts for them can make a meaningful difference when life doesn’t go according to plan. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Are hidden tax traps quietly impacting your retirement income? In this episode, Frankie Guida breaks down five common tax pitfalls retirees may face. The discussion covers how Social Security can be taxed, the impact of required minimum distributions, Medicare surcharges, and the role of withdrawal timing across different accounts. He also explores how income levels and account types can influence tax exposure over time, highlighting why understanding these factors can play a key role in structuring a retirement strategy. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Robinhood just launched agentic trading -- an AI that can execute stock trades and purchases on your behalf using criteria you set in advance. There's also a new agentic credit card that can shop for you automatically. Joe and Anna dig into why handing execution over to a machine is fundamentally different from using AI as a thinking partner -- and why the people most excited about AI agents for their money are often the same people who would never trust a human advisor with it.What You'll Walk Away WithWhy the psychology of trusting AI with money while distrusting human advisors doesn't hold up -- and what's actually driving itThe difference between using AI to expand your thinking and using it to execute decisions -- and why only one of those is dangerousHow AI agents eliminate the friction that protects you from your own worst financial impulses -- and why that's exactly how consumer debt gets worseJoe's four-question framework for knowing when an AI agent is actually helping versus when it's just automating overspendingWhy Doug's experience building computer systems made him more skeptical of AI agents, not less -- and what changedThe debt sequencer framework from OG and Anna: how to rank every debt by interest rate, add an honest emotional layer, and decide where the next dollar actually goesWhy the debt snowball versus avalanche debate has a cleaner answer than most people think -- and when the math genuinely doesn't matterThe one thing that happens to almost every client's bonus money if they don't have a pre-decided allocation plan -- and how to fix it before the money arrivesWhy paying off a 3% mortgage might be the right call even when the spreadsheet says it isn't -- and the taxes-and-insurance math that makes the house payment conversation more complicated than it looksWhy the Stacking Benjamins guides now have an AI component that only draws from the guide itself -- and why it tells you when it doesn't know somethingWhy This Matters NowEvery time a company makes it easier to spend or trade without thinking, it's not because they want you to make better decisions. Understanding where AI genuinely helps -- thinking, organizing, comparing -- versus where it hurts -- executing, spending, trading -- is one of the most important financial literacy questions of the next decade.From the BasementJoe and Anna dig into Robinhood's new agentic trading and credit card features and work out where the line between useful and dangerous actually sits. OG and Anna follow with the debt sequencer -- a framework for ranking every debt you have and deciding where the next dollar goes, with room for both math and emotion. Doug arrives with kite-flying trivia that connects to one of the most famous names in American history. Anna is back without OG, which Doug predicts will produce the highest ratings in show history.Resources MentionedCNBC -- "Your AI agent can now trade for you on Robinhood and buy stuff with your credit card, too"; linked at stackingbenjamins.comThe College Investor with Robert Farrington -- referenced for prior deep dive on AI financial advice accuracyStacking Benjamins Guides -- college planning, tax planning, and HR benefits guides with new AI component; stackingbenjamins.com/guidesStacking Benjamins Basics Guide -- season one and season two workbooks free at stackingbenjamins.com/basicsguideStacking Benjamins Scorecard -- stackingbenjamins.com/scorecardStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Field Kit Finance -- fieldkitfinance.comStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking 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.

Two weeks into retirement, Jatin is already proving something powerful: you don't need decades of experience as a retiree to know when it's time to reclaim your life. After a sudden health scare on a road trip, long days in IT project management, and years of juggling global time zones, he realized what so many pre-retirees feel but rarely admit: time is more valuable than another year of work.In this episode, we talk through the real questions people face on the road to retirement: When is the right time to retire? How do you balance health, income, and purpose? What happens when your career has defined your schedule for decades? Jatin shares how a single wake-up moment pushed him to evaluate healthcare, savings, retirement checklists, family obligations, and how many “go-go years” he truly had left.You'll hear why he retired at 62, how he's prioritizing health and running again, what early retirement feels like after decades in IT, how he's planning travel and bucket-list adventures, and why he believes everyone should make the most of their healthiest years, long before restrictions or burnout take over.--Jatin is not a client of Root Financial Partners, LLC and received no compensation for participating in this video. His statements reflect his own opinions and experience and are not indicative of any specific client's experience and are not a guarantee of results. No cash or non-cash compensation was provided, and no material conflicts are known.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 endorsementsCreate Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Patrick brings together stories of faith, purpose, and the journey of retirement, all layered with listeners’ honest struggles and deep yearning for spiritual connection. He confronts the pain of exclusion after trauma in the Church, offering listeners real direction and compassion from a place that aches for healing. Questions about living the faith, volunteering, voicing concerns about parish life, and decisions on family planning get met with both challenge and hope, leaving space for both vulnerability and grace. Cindy (email) - Retirement isn't evil. It's just what you do with it. (00:29) Marybeth - I was able to retire at 52. I'd like to talk about how God allows us this time so we can pray more and minister to the needy. (01:18) Johnny - Yesterday at Mass, the priest was promoting a LGBTQ celebration. I asked him after 'Why are you promoting sin?' (05:58) Ed - I'm 80. You need to keep busy and stay active in the faith. Keep doing things as long as your body allows you. (11:44) Sandy - I'm working part time at a library. I feel we are social worker. We can still make a difference in the world and at work (16:43) Olivia - How would someone find the right community when some parishes seem exclusionary? It's been very difficult for me. (20:33) Maria – My 18-year-old son is very dedicated to the faith, but he feels like God is not responding to him. What advice can I give him? (38:05) Joseph - Marital abstinence: my wife and I are open to life but there are some health things we'd like to take care of first. What does the Church teach? (42:41) No, Natural Family Planning Is Not Contraception – By Patrick Madrid - https://patrickmadrid.substack.com/p/why-natural-family-planning-is-not Elizabeth – Woundedness: I had similar situation to previous caller, Olivia. I want to give that young lady support. We can't judge the whole Church on one bad man. (49:24)

Retirement isn't an age. It's a number. The problem is most people don't know theirs.Many people spend years working toward financial freedom without ever defining what freedom actually looks like. In this episode of the Exit Strategies Radio Show, Corwyn J. Melette sits down with real estate investor, entrepreneur, and host of The Personal Finance Podcast, Andrew Giancola, to discuss the financial foundations that support sustainable wealth, smart investing, and long-term freedom.Andrew shares why successful investors don't just focus on finding deals—they focus on building a strong financial framework that can withstand life's unexpected challenges. From understanding your Freedom Number to managing risk, building reserves, controlling emotions, and creating a strategy for generational wealth, this conversation provides practical guidance for homeowners, aspiring homeowners, and investors alike.If you're looking to make smarter financial decisions, protect your equity, and create opportunities for future generations, this episode delivers a roadmap for building wealth the right way.Key Takeaways:• 04:35 – Why every investor needs to know their Freedom Number• 06:27 – How emotions influence financial and investment decisions• 08:20 – Building an emergency fund using the One-Three-Six Method• 10:50 – Why sustainability matters more than acquisition• 13:39 – Common rental property analysis mistakes• 17:35 – Diversifying wealth-building strategies• 20:25 – Understanding passive real estate investing opportunities• 22:05 – Managing debt while continuing to build wealth• 24:10 – The Financial Freedom Stack framework• 26:15 – Creating generational wealth through intentional planningLegacy Building Takeaway:I am gonna be the first person in my family to build generational wealth... You can change your family's financial life."  Andrew GiancolaConnect with Andrew:Website:https://mastermoney.co/Master Money Academy: joinmastermoneyacademy.comSocial: @mastermoneycoConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the SpaceX IPO and what retirement-age investors need to think about before making any decision with their savings. SpaceX began trading on June 12, 2026, at a $1.75 trillion valuation, the largest IPO in stock market history, and the questions from clients started pouring in almost immediately. Rather than telling you whether SpaceX is a good or bad investment, Radon and Murs walk through a clear, honest framework for making sure whatever you decide is driven by your retirement plan and not the noise of the moment.Listen in to learn about the real data behind how major IPOs have historically performed in their first year of trading, why your 401(k) or IRA may already be buying SpaceX without any action on your part, and the three questions every retiree should answer before putting retirement savings into any newly public company. Whether SpaceX is on your radar or you are simply trying to build better habits around big investment decisions, this episode gives you the tools to think clearly when the headlines get loud.In this episode, find out:What SpaceX actually is as a business, which of its three divisions is profitable today, and why the $1.75 trillion valuation is priced on the future rather than current earningsWhat the last 30 major IPOs over the past 15 years reveal about first-year performance, including an average maximum drawdown of 50% to 55% and why it happens around the six-month markWhy index rule changes mean millions of Americans may already be picking up SpaceX exposure through their existing 401(k) and IRA index fundsThe critical difference between making a trade and making a long-term investment, and why that distinction should shape the entire decision for anyone nearing or already in retirementThree questions to ask before buying any IPO, starting with the one that eliminates most bad decisions before they happenTweetable Quotes:"You can believe in a company and still decide that buying it at IPO price in week one isn't where your retirement money belongs." - Radon Stancil"Waiting twelve months to buy a stock you plan to hold for fifteen years is not missing out. It is just a longer on-ramp, and it might come with a significantly better price." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

LIL #003: 1,000 Lunches Taught Me More Than My Finance DegreeOne weekly habit, 20 years, 1,000+ conversations - and a deal network no textbook could build.Episode SummaryIn this episode of The Lifestyle Investor Podcast, host Justin Donald breaks down the single habit that built his entire investment network - one lunch at a time, every week, for two decades.You'll learn how a hands-on finance degree shaped his investing lens, why watching smart people follow the "right" playbook and never get ahead changed his trajectory, and how financial freedom removes fear from every decision.Question of the DayWhat's one relationship or conversation that fundamentally changed how you think about money or investing? Drop it in the comments.Key TakeawaysOne consistent weekly habit compounded into 1,000+ high-caliber investor conversationsWatching diligent people follow the textbook and never get ahead rewired his strategyFinancial freedom changes every decision you make for your business and familyThe Lifestyle Investor Community's real value is the collective wisdom, not one personCOVID turned weekly lunches into a virtual Investment Happy Hour that scaled everythingTimestamped Outline00:00 - Introduction and recap of previous issues01:08 - The one habit that changed everything01:29 - 1,000 lunches in 20 years02:11 - A finance degree with real practitioner training02:46 - Watching people do the "right things" and never get ahead03:28 - What the ultra-wealthy actually know04:09 - Why this was always about family first04:52 - Financial freedom changes every decision you make05:43 - Building the Lifestyle Investor Community06:11 - How COVID created something unexpected06:49 - The community itself is the asset07:20 - What's ahead for the Lifestyle Investor LensLinks & ResourcesThe Lifestyle Investor by Justin Donald - https://lifestyleinvestor.com/newsletterConnect & CTASubscribe and leave a review on Apple Podcasts.Every week, The Lifestyle Investor Lens breaks down what's changing in the world of wealth, what the wealthy are doing differently, and how to build passive income that funds your life today: https://lifestyleinvestor.com/newsletterCreditsHost: Justin Donald © 2026 Lifestyle Investor. All rights reserved.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There's a decision your surviving spouse is going to make about your IRA, after you're already gone, that can either cut short or stretch out how long your kids get to keep that money growing — and most people don't even realize the choice is being made. We're going to zero in on one option in particular, one that sounds a little crazy on its face: turning down an inheritance on purpose.  In our Listener Question segment: A listener wrote in about a family farm, a couple of brothers he'd rather not be in business with, and whether saying "no thank you" to his own share is the way to keep the peace in the family.  And then to close things out, we'll head over to our Retire To Something segment where Shawn figured out how to check just about every box that matters. Resource: Article by Denise Appleby at Morningstar: The IRA Decision That Affects Your Kids    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    

Phillip Ramsey of Uncommon Wealth Partners challenges the conventional approach to retirement planning, emphasizing the importance of cash flow over a fixed "retirement number." Exploring the pitfalls of solely relying on a nest egg, Phillip illustrates with examples the significance of understanding monthly income needs and leveraging guaranteed income sources like Social Security and pensions. This episode of the Uncommon Wealth Podcast offers insights into building a customized retirement strategy, encouraging a shift from traditional metrics to more personalized financial planning methods. Learn how to gain control and confidence in your retirement vision.

"There's a time when an exit is going to be inevitable — there may not be a time certain, but there is a time." Host Laurie Barkman reunites with Chip Scholz, founder of Scholz and Associates and author of Small Decisions, Big Shifts and the upcoming Handoffs, for a deeply personal and insightful conversation about the hidden leadership mistakes that quietly destroy business succession plans. Chip has spent nearly 30 years coaching executives and family business leaders through some of the most complex transitions in business — and he first met Laurie 13 years ago when she was a CEO candidate in a third-generation family business. Together they explore what great leadership evaluation looks like, why founders hold on too long, how hubris silently collapses delegation and decision-making, and the three stages every leader goes through on the road to retirement. Chip shares what he's learned — and what he's still learning — about the small decisions that ultimately create the biggest shifts.   Key Insights Culture fit is the foundation of every great leadership hire. The best organizations are people-oriented and performance-driven — in that order. When performance leads and people follow, bad things happen. Every hire, especially at the CEO level, should be evaluated through three lenses: strengths, motivations, and fit. Viewing the business as an asset — not a legacy — is what makes a clean exit possible. Founders who treat their company as an asset can make clear-headed decisions about growth, transition, and sale. Those who treat it purely as a legacy often hold on too long, stall the next generation, and turn what was once a strength into a bottleneck. Hubris is the silent killer of succession. When leaders believe they are the only ones who can run the business, delegation collapses, decision-making centralizes, and the organization becomes dependent on one person. Chip has seen companies where no one could spend $100 without CEO approval — and half the leadership team couldn't survive the transition when that CEO finally left. Retirement has three stages — and most founders only plan for the first one. Vacation, depression, and meaning and purpose. The honeymoon phase fades fast. Founders who haven't built outside interests, hobbies, or identity beyond the business hit a wall — and without a plan, depression follows. The goal is to reach meaning and purpose before a crisis forces the issue. Crisis is often the catalyst for transition — but it doesn't have to be. Whether it's a health scare, a lost client, or a market shift, crises force the introspection that should have happened years earlier. Chip advocates for doing that work proactively — in your 50s or early 60s — before external pressure removes your options. A hobby isn't a luxury — it's a succession strategy. Finding something outside the business that gives you purpose, community, and a sense of leadership is one of the most practical things a founder can do to prepare for transition. For Chip, it's woodturning. The point isn't the craft — it's the identity that lives outside the company.   Chapters: 00:00  Introduction of Chip Scholz 02:26  Reconnecting After 13 Years — A Personal Story 03:02  Leadership Evaluation: Strengths, Motivations, and Fit 06:37  Family Business Succession: Common Challenges 07:33  Asset vs. Legacy — The Mindset That Changes Everything 12:16  The Third-Generation Company: A Shared Story 14:04  Phantom Stock and Making 100 People Millionaires 16:00  The Five C's Framework for Leadership 17:42  Why Letting Go Is So Emotionally Hard 18:11   Hubris and Delegation: When Founders Won't Step Back 20:14  The $100 Approval Story 21:50  Why "Retirement" Triggers an Allergic Reaction 22:25  The Three Stages of Retirement 23:34  15 Years Preparing for Retirement — A Coaching Story 24:52  The Real Risk of the Depression Phase 26:44  What Does Retirement Really Mean? 29:33  Finding Purpose Outside Work: Woodturning 30:51  Handoffs — The Upcoming Book 35:02 Three Takeaways for Every Business Owner     Is your business truly ready—and are you? Take the Succession Readiness Assessment to get a clear snapshot of where you stand and what to focus on next. https://btsherpa.com/succession P.S. Most owners don't realize where they stand until they're already in a transition. Take a few minutes now to understand your readiness—and give yourself more options later.   Connect with Laurie Barkman:  Website: https://lauriebarkman.me LinkedIn: in/lauriebarkman YouTube: @LaurieBarkman_BTSherpa   Connect with Chip Scholz: Website: https://scholzandassociates.com LinkedIn: https://www.linkedin.com/in/chipscholz

Join Shemaiah Reed on I Am Refocused Radio for an inspiring and practical conversation with David Nassief — #1 Amazon Hot New Release author of One-Page Wealth Compass and living proof that it's never too late to rewrite your financial future. At 63, David was fired after 40 years of work, nearly broke, and just two years away from financial ruin. Six years later, he had built a seven-figure nest egg. In this episode, he shares the simple “One-Page Wealth Compass” system that turned desperation into lasting wealth — without complex jargon, risky bets, or beating the market. We dive into:The Janitor vs. The Doctor: Why a high school dropout retired with $8 million while many high-earning professionals end up with far lessHow younger listeners (25–35) can use the same “Set-it-and-Forget-it” strategy to reach financial independence decades ahead of their peersWhy 60% of NBA players go broke despite massive earnings — and how an average-income carpenter built millionsThe surprising power of “Doing Nothing” and why simplicity beats fancy strategies every timeMindset shifts that turn a “worst day” (getting fired) into the best chapter of your lifeWhether you're feeling behind at any age, worried you started too late, or want to escape the “cubicle-for-life” trap, David's story delivers hope, clarity, and an actionable roadmap to age-defying financial freedom and a powerful second act. Tune in for raw honesty, timeless wisdom, and the encouragement you need to refocus your money mindset and take control of your legacy. One-Page Wealth Compass is available on Amazon and wherever books are sold. Learn more: onepagewealthcompass.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

Tell us about your Adventure!When most people retire, they look forward to relaxing or traveling. For Traci and Bart, retirement opened the door to a continued mission: rescuing senior animals. On their small farm in Pisgah, Iowa, they care for dogs, cats, chickens, horses, and other animals who often get overlooked. Their work is not sponsored or funded by any organization. Instead, they support these animals out of their own pockets, driven by a deep sense of purpose they describe as a calling from God.

Christian and Betty react to an historic Barcelona-Catalunya Grand Prix. Lewis Hamilton guided his Ferrari from the front row to take his first victory for the Scuderia. Imagine telling that to someone three years ago! George Russell and Lando Norris rounded off the podium to make the first all-British F1 podium since 1968!-Are Lewis and Ferrari able to mount a challenge to the top of the championship standings?-How can things be so different the other side of the Ferrari garage?-And why is Betty making national newspaper headlines?Make sure you follow us on all the socials and hit subscribe right here because we are covering the 2026 season from lights out to chequered flag! YouTube: @fastcuriouspodTwitter: @fastcuriouspodInstagram: @fastcuriouspodTikTok: @fastcuriouspodThreads: @fastcuriouspod Producer: Will TyrrellSocial Media Manager: Nicola HowardExecutive Producer: Christian Hewgill Hosted on Acast. See acast.com/privacy for more information.

Hoya Capital's David Auerbach talks REITs, interest rates, and spiking volatility (0:30) M&A activity - more small/midcap in play (4:35) Retail one of the more positive sectors (9:25) Strawberry Fields and healthcare (14:30) HOMZ, RIET ETFs (16:40) A manufactured housing play (23:15) Recorded June 10, 2026Show Notes:REITs Are Boring And Boring Is GoodiREIT®+HOYA CapitalTranscriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions

Ten straight up weeks, then a sharp pullback — and if you're two to five years on either side of retirement, the fear is real. This is the Retirement Red Zone: the last mile into and out of your retirement date, and the most fragile window in your entire financial life.This week on Money On Tap, Ben Brayshaw and Dan Michelon turn last week's market-history conversation into a practical playbook for anyone near retirement: how to avoid the paralysis that wrecked so many retirements in 2008–2009, and what to actually do right now.What you'll learn:Why a 35-year-old and a 65-year-old should do the opposite thing in a pullbackThe accumulation-to-distribution switch most people don't know existsWhat history says: after 40 sharp selloffs since 1980, markets were higher 75% of the time a year laterSequence-of-returns risk — why the first five years decide everythingBuilding a 1–3 year retirement runway with ~4% cash and T-billsRebalancing a 60/40 that drifted to 75/25Diversifying away from a top-10 that's now 40% of the S&P (8 of them tech)Buffered ETFs — a 20% buffer with a 12–15% cap, explainedFoundational income, annuities, and the tax-aware withdrawal piece most firms skipPlus Money In The News:Consumer prices rose 4.2% annually in May — the highest in three years (CNBC, Jeff Cox)Elon Musk poised to become the first trillionaire — and just how much a trillion dollars really isA top JP Morgan strategist's four ways to prep your portfolio for “considerable danger” (David Kelly)Mentioned on air: Our short sequence-of-returns risk video — watch it at brayshawfinancial.com.Read the companion blog: brayshawfinancial.com/blogSchedule a free consultation: app.greminders.com/t/9f3ce72e/initialconsultaFull Money On Tap episode library: brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comWhat is the retirement red zone, and why does it matter? The retirement red zone is the roughly ten-year window covering the five years before and the five years after your retirement date. It matters more than almost any other period because of sequence-of-returns risk: a major market downturn while you're beginning to withdraw income can permanently damage the plan, even if the market later recovers. Two people who invest identically but retire a few years apart can end up with opposite outcomes based solely on timing. Navigating the red zone means shifting from maximizing gains to mitigating losses — stress-testing the plan, building a cash runway, rebalancing, diversifying, and adding guardrails like buffered ETFs and guaranteed income.

In this episode, we look at three forces that can shape—or sabotage—an investor's long-term success: exciting investment stories, nonstop financial headlines, and everyday money habits. From the hype around companies like SpaceX to the emotional pull of market news, we discuss why compelling stories and breaking headlines don't always translate into smart portfolio decisions. We also explore the quiet habits that can help build wealth over time, including saving consistently, avoiding lifestyle creep, automating good decisions, and staying focused on a long-term financial plan. The big takeaway? Successful investing usually isn't about reacting faster, finding the flashiest opportunity, or predicting the next market move. It's about discipline, diversification, consistency, and making decisions that align with your goals—not your emotions.

The Australian sharemarket jumped 1.3 per cent to its highest close since mid-April after the US and Iran agreed to an interim deal to end hostilities in the Middle East, easing investor concerns and sending oil prices sharply lower. In this episode, Daniel Martin from Alvia Asset Partners breaks down the market rally, the impact of falling oil prices, and why airlines, miners and other major stocks benefited from the improving global outlook. Plus ASFA CEO Mary Delahunty explains why many Australians may be overestimating how much they need for a comfortable retirement, with new figures showing singles require around $630,000 in super and couples $730,000 by retirement age.

In this episode of Financial Safari, Coach Pete and the team discuss how retirees can make more confident decisions by understanding the fine print before they buy, borrow, invest, or start drawing income. From big purchases and hidden fees to market risk and rollover mistakes, the conversation highlights the importance of having a written retirement plan instead of relying on guesswork. Listeners will also hear about “financial termites” — the hidden costs, fees, taxes, and risks that can quietly eat away at retirement savings. The episode covers income planning, risk versus safety, bucket strategies, and why the money you have saved is not always the same as the money you can safely spend.See omnystudio.com/listener for privacy information.

You do not need to be rich to start investing. But you do need a plan.In this episode, Nicole Carson, CFP®, MBA and founder of 2nd Story Wealth Planners, breaks down how beauty professionals can start building an investment plan around real-life factors like debt, uneven income, taxes, retirement goals, and fear of the market. She explains why investing is not only for wealthy people and how consistency, time, and a clear plan can help beauty pros build long-term financial security.

With less than a month left in his Hall of Fame career, Nestor visited his favorite baseball player one last time at The Murph for a lengthy chat on Labor Day weekend 2001. Tony Gwynn touched on the legend of Ted Williams, his San Diego State basketball career, the physical toll of his final season, and the emotional challenge of saying goodbye to the game and his fans. A deep dive sit down with a baseball legend. The post Tony Gwynn tells Nestor about a life in baseball chasing a World Series ring back in 2001 as he faced retirement first appeared on Baltimore Positive WNST.

Retirement is often framed as a financial milestone—but the deeper transition is psychological. When work ends, the identity that came with it often disappears as well. In this solo episode, Jacquie reflects on her conversation with Michael Kay about the idea of “Chapter X”—the stage of life where the structure of career gives way to something far more open-ended.What happens when the ladder of achievement disappears? How do you redefine success when productivity is no longer the main measure of value? And how can curiosity become the compass for designing a meaningful life after work?This episode explores the identity shift that many retirees experience and offers a simple but powerful question that can help you begin writing your next chapter.Key Topics Covered1. Retirement Is More Than a Financial TransitionWhy retirement planning often ignores the identity shiftHow work provides structure, meaning, and social identity2. The Identity GapWhat happens when your job title disappearsWhy high achievers often struggle most with this transition3. The Concept of “Chapter X”Retirement as an undefined chapter of explorationWhy uncertainty can actually be an opportunity4. Reclaiming Beginner's MindWhy curiosity matters more than expertise after retirementLearning to try new things without pressure to master them5. Redefining SuccessMoving from productivity-based identity to meaning-based livingDesigning days around values instead of expectationsReflection Questions:If someone asked who you are today—without referencing your career—how would you answer?What parts of your identity were shaped by your work?Where could curiosity lead you in this next stage of life?What does success look like for you now?What small experiment could you try this month?READY 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

In this episode Brian and Jeff discuss why women are becoming one of the most important forces in the future of wealth, and why financial confidence matters just as much as financial assets. 

We talked about why inflation is so dangerous in retirement, how stocks can help you stay ahead of inflation, why dividend growth matters, how bonds behave in rising rate environments, and how tools like TIPS and I Bonds can fit into a broader strategy. We also talked about practical steps like reducing high-interest debt and managing spending more intentionally. Today I want to zoom out and talk about the bigger picture.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3593: Kumiko of The Budget Mom explains why entering retirement with debt can put serious pressure on a fixed income and reduce the freedom you've worked hard to achieve. She highlights the importance of eliminating unsecured debt, student loans, and mortgage debt before retirement, while offering practical strategies to reduce interest costs, accelerate repayment, and protect long-term financial security. Read along with the original article(s) here: https://www.thebudgetmom.com/3-debts-you-should-eliminate-before-retirement/ Quotes to ponder: "If you are living with a fixed retirement income, you might not be able to afford to make the extra payments on the money owed." "I would love to help my son pay for college, but I won't sacrifice my own retirement to do so" "If you can pay off your mortgage before retirement, you can significantly decrease your housing costs, eliminate your biggest expense, and you can make your savings last much longer." Episode references: UTMA (Uniform Transfers to Minors Act) Accounts: https://www.investopedia.com/terms/u/utma.asp Parent PLUS Loans: https://studentaid.gov/understand-aid/types/loans/plus/parent Wealthfront's high-yield Cash Account: https://wealthfront.com/OFD This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Optimal Finance Daily Podcast, Diana Merriam (collectively "Media Partner") are not clients of Wealthfront. The Media Partner receives cash compensation from Wealthfront Brokerage for this paid endorsement placed in their video, creating a conflict of interest. More details available via the referral link. The Direct Deposit Plus Investing Program from Wealthfront Advisers LLC and Wealthfront Brokerage LLC provides eligible clients a 0.25% APY increase above the base APY on eligible Cash Account balances (up to an overall boosted rate of 4.30% for a limited time when including the 0.75% APY boost for new clients) when you direct deposit $1,000 a month, plus open, fund, and maintain an investing account. Wealthfront may change or end the program at any time and determine eligibility at its discretion. Terms apply. Full details at wealthfront.com/promo-terms.  The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of January 30, 2026, is representative, requires no minimum, and may change at any time. References to the APY for the Wealthfront Cash Account, including any APY increase, are to the APY paid by insured depository institutions that participate in our cash sweep program (the "Program Banks”).. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Investing involves risk, including the possible loss of principal. Securities investments are not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most retirement advice isn't wrong. It's incomplete. And following incomplete advice for 30 years is how people end up financially ready for retirement but completely unprepared to live it.I've seen it hundreds of times. Someone hits their number and feels nothing. So they keep working, keep deferring, keep waiting. By the time they stop, the years they actually wanted are already gone.This is the podcast I wish I could send to everyone in their 50s before those decisions get made.We're going to cover:- why David had $4 million at 61 and still couldn't give himself permission to retire- the three distinct phases inside every retirement, and why spreading your spending evenly across them is a mistake- what most Social Security calculators are missing that can quietly devastate your plan- a scenario where two retirees had identical portfolios and wildly different outcomes, without changing a single number- the risk I see ruin more retirements than running out of money ever does- five questions worth sitting with before you make any major retirement transition--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!

Jim and Chris discuss listener emails on Social Security earnings limits, and two emails relating to using annuities for LTC planning. (13:00) — A listener asks whether income from selling NSO stock counts as earned income for Social Security, potentially triggering the earnings limit before full retirement age. (21:00) — George asks about using a 1035 exchange to move variable annuities with guaranteed living benefits into a product offering long-term care benefits, and wants help weighing the tradeoffs of this approach. (49:45) — The guys help a listener think through annuity planning to fund future long-term care costs for in-laws, including whether to use one joint annuity or two individual annuities and where to find SPIA quotes. The post Social Security, Annuities for LTC Planning: Q&A #2624 appeared first on The Retirement and IRA Show.

Welcome back to our minisode series, "I Have Some Thoughts." These short episodes are designed to contextualize the pop culture moments we're currently paying attention to through a mental health lens. Pop culture isn't just fun to chat about, it can reveal important information about how we relate, cope, and understand ourselves. Join us each Friday to hear Dr. Joy share her thoughts about the happenings of the week. This week, we're chatting about Scary Movie 6, Latto's postpartum concerns, and Russell Wilson's retirement. Stay Connected​ Wanna chat more about the pop culture hot topics of the week? Join us inside our Patreon community. Is there a topic you'd like covered on the podcast? Submit it at therapyforblackgirls.com/mailbox. If you're looking for a therapist in your area, check out the directory at https://www.therapyforblackgirls.com/directory. Make sure to follow us on social media: Instagram: @therapyforblackgirls Threads: @therapyforblackgirls Our Production Team Executive Producers: Dennison Bradford & Gabrielle Collins Director of Podcast & Digital Content: Ellice Ellis Producer: Ndeye Thioubou Production Assistant: Bria MosleySee omnystudio.com/listener for privacy information.

This week, Farnoosh answers listener questions about rolling over an old 401(k), managing $100,000 in savings for a 68-year-old on Social Security, and how couples should discuss and merge finances. She highlights a New York Times story on how weak job markets can scar young graduates long-term and a piece in the Wall Street Journal about “Trump accounts,” including unclear eligibility rules and potential state tax differences versus 529 plans, advising caution until IRS guidance arrives. Learn more about her October 9 Book to Brand event. Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

You might not look rich on Instagram. That doesn't mean you're behind. Joe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight real signs that your financial life is on track -- covering stability, behavior, and mindset -- and spend just as much time on why we're all so bad at recognizing the wins we've already had.What You'll Walk Away WithWhy a $1,000 emergency fund puts you in the top 40% of Americans -- and what Jesse's registered nurse versus Uzbek architecture professor framework tells you about how big yours actually needs to beThe debt-to-income ratio question nobody asks: would you rather have a 10% DTI and zero savings, or $1 million invested and a 45% DTI? Paula and Anthony work out their actual answers liveWhy someone making $250,000 and living paycheck to paycheck is less financially trustworthy than someone making $60,000 with a two-month buffer -- and what that reveals about the real gameAnthony's dream walk framework: the questions he asks clients to make sure their day-to-day financial habits are actually pointed toward what they say they wantWhy the trend matters more than the number -- and the one thing Jesse tracks monthly that most people miss when they're focused only on net worthThe peace of mind problem Paula names that most personal finance conversations skip entirely: there is very little correlation between the numbers in your accounts and your actual anxiety levelWhy Jesse thinks prioritizing stress reduction over optimization might actually produce better long-term outcomes than squeezing every percentage pointThe Instagram tell that almost none of the visible wealth you're comparing yourself to is real -- and the Tai Lopez rental strategy that proves itAnthony's story about the client who needed permission to sell investments to feed her kids -- and why money as a tool looks completely different at every income levelWhy money is the easiest possible scorecard -- and how that ease is exactly what makes it so dangerous as a proxy for self-worthWhy This Matters NowThe comparison pressure has never been higher and the metrics have never been more visible. This episode is a reminder that the signs of real financial health are mostly invisible on the internet -- and that you might already be further along than you think.From the BasementJoe, Paula Pant, Jesse Cramer, and Anthony Weaver from About That Wallet work through eight signs of financial progress from a wisdom.com piece while talking about drone footage FOMO, Tai Lopez's rental Lamborghinis, and why somebody in Florida held a half-eaten grilled cheese sandwich for ten years before selling it on eBay. Resources MentionedAbout That Wallet podcast -- Anthony Weaver; available wherever you listen to podcastsAfford Anything podcast -- Paula Pant; recent episode with Dr. John La Puma on why going outside improves health and productivityPersonal Finance for Long-Term Investors (FILTI) -- Jesse Cramer; recent AMA episode on retirement planning questionsFreedom app -- referenced by Paula for blocking Instagram; freedom.toSurfshark VPN -- surfshark.com/stackingbee; code stackingbee for four extra monthsStacking Benjamins Vault -- stackingbenjamins.com/vaultStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementStacking Benjamins BAD Groups -- stackingbenjamins.com/badSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.