Podcasts about retirement plans

In this episode, we are joined by Jean-Pierre Aubry, Associate Director of Retirement Plans and Finance at the Center for Retirement Research at Boston College, for a research-driven conversation about retirement investing, financial advice, pension fund management, and inflation. Drawing from years of empirical research, Jean-Pierre shares insights into how households actually invest, how financial advisors shape portfolio decisions, and why investors often hold asset allocations that differ from their own stated preferences.   We also examine the investment strategies of public pension plans, why their increasing reliance on alternative assets has largely failed to deliver superior performance, and the institutional forces driving those decisions. Finally, Jean-Pierre explains how inflation disproportionately affects retirees, why many households overreact during inflationary periods, and why understanding retirement risks—from market volatility to sequence of returns—is critical for long-term financial security.   Key Points From This Episode: (0:06) Introduction to Jean-Pierre Aubry and the Center for Retirement Research at Boston College. (6:29) The Center's mission: producing objective, accessible retirement policy research. (7:03) Why investors' actual stock allocations are higher than their stated ideal allocations. (9:31) Defaults and target-date funds may explain the gap between desired and actual portfolios. (10:46) Investors tend to underestimate long-term stock returns and overestimate market risk. (11:22) Financial advisors generally encourage higher equity allocations by reducing investor pessimism. (12:06) How advisor compensation can create incentives to recommend higher stock exposure. (13:42) Research showing advisor recommendations vary more across advisors than across client profiles. (16:56) The "advisor fixed effect": advisors largely recommend portfolios consistent with their own philosophy. (18:57) Why working with an advisor often leads investors to hold more equities. (20:26) How target-date funds work and why auto-enrollment is reshaping retirement investing. (22:57) Why advisors and target-date funds are generally improving retirement security. (23:57) The evolution of public pension investing from bonds to equities and then alternative assets. (30:12) The growing influence of consultants and peer effects on public pension investment decisions. (31:14) Why pension plans with greater allocations to alternatives have generally underperformed peers. (32:23) Comparing public pension performance against a simple 60/40 index benchmark. (36:43) Whether indexing may be a better long-term solution for public pension investing. (39:35) Concerns about adding private assets to default retirement plan options. (40:15) Maintaining objectivity while researching politically sensitive retirement issues. (42:58) Why investment policy remains the "final frontier" for improving public pension systems. (46:45) Why retirees are especially vulnerable to inflation. (50:06) How inflation affects retirees differently across age and wealth levels. (51:52) Why households tend to overspend during inflationary periods. (53:38) How financial advisors adjust recommendations when inflation and interest rates rise. (54:11) Why inflation ultimately reduces retirement security for many households. (54:42) Which retirees face the greatest market risk. (55:35) Why most retirees have little understanding of sequence of returns risk. (55:56) Advisors understand sequence risk, but that knowledge doesn't appear to transfer to clients. (57:23) Why declining equity exposure over time remains the canonical life-cycle investing approach. (58:25) Jean-Pierre's definition of success: purpose, meaningful relationships, and financial security. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Can You Retire at 55 With $800,000? (Using the Rule of 55)Are you 55 years old with around $800,000 saved for retirement? You may be closer to retirement than you think.In this video, I'll walk through a real retirement scenario and explain how the Rule of 55 works, allowing many people to access their 401(k) without the normal 10% early withdrawal penalty if they leave their employer at the right time.**Schedule your free virtual consultation

Kelley discusses common retirement mistakes, the importance of personalized planning, and strategies to optimize your financial future. Learn how to avoid costly errors and create a tailored retirement plan that works for you. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

There's a 7-minute animated short that got nominated for an Oscar this year called Retirement Plan. It's free on YouTube, narrated by Irish actor Domhnall Gleeson, and it follows a middle-aged man named Ray who spends his days listing everything he plans to do once he finally retires. It's funny, it's surprisingly moving, and it hits a little close to home. Contact Info: Website: https://crystallaketax.com/ Phone Number: 815-526-3092

The Hidden Lightness with Jimmy Hinton – How do we save Social Security? Washington has spent years debating insolvency projections, payroll taxes, benefit reductions, and eligibility ages. But what if the bigger question isn't simply how to preserve a government program? What if the real opportunity is creating more pathways for ordinary Americans to build wealth for themselves?

Can I Retire at 63 with $350,000?!?Can you really retire at 63 with $350,000 saved for retirement? In this retirement video, we break down the real numbers behind retirement income, Social Security, retirement healthcare costs, retirement withdrawals, and lifestyle expectations to see what's actually possible in retirement. **Schedule your free virtual consultation

This week I'm discussing the latest Social Security Trustees Report, what it means for your future benefits, what changes may be coming, and how millions of Americans are already planning ahead. I'll dig into the psychology and strategy of spending down your savings once you retire, including how to transition from saving to spending, why an "intentional adjustment" matters, and the critical role of having a written plan. I also answer listener questions about withdrawal strategies and how to weigh the decision of working "one more year."    You will want to hear this episode if you are interested in...   [00:32] The latest Social Security Trustee Report [09:14] Discussing Social Security and Retirement Strategies [12:12] Adjusting to Retirement Spending [16:25] Finding purpose in retirement spending [19:44] The go-go years in retirement [26:56] Withdrawal strategies and investment planning [32:28] Managing taxes with inherited IRA [37:24] Evaluating Retirement vs. Working Longer [43:03] Understanding Annuity Penalties and Risks What the Latest Social Security Report Means Recent headlines about Social Security's future have stirred anxiety for those nearing—or already in—retirement. The Social Security Trustees' latest report brings sobering news: if no legislative action is taken, benefits will face a 22% cut by the end of 2032. For the average American, that translates to receiving just 78 cents on the dollar compared to today's checks. Roughly 73 million Americans currently collect Social Security, with that number projected to hit nearly 80 million by 2035. 66% of today's retirees lean heavily on these benefits, up from 52% twenty years ago. Aging populations, fewer pensions, and growing living costs further exacerbate the shortfall. Adjusting Your Retirement Plan in Uncertain Times With these potential benefit cuts looming, many are rethinking their assumptions. Some pre-retirees adjust their retirement income projections to reflect "worst-case" Social Security—assuming perhaps only 75-78% of currently promised benefits. This kind of conservatism can bring peace of mind when planning, though it's still possible that Congressional fixes will preserve more generous payouts. Planning for the unknown also means keeping tabs on Social Security's annual earnings cap, which is rising—from $168,600 in 2024 to $184,500 in 2026. For top earners, this means more taxable income, and for retirement planners, one more variable to consider.   The Psychology and Practicality of Decumulation Flipping from saver to spender is often more difficult than expected. Many accumulate for decades, watching their nest egg grow, and then feel uneasy as withdrawals begin. Having a clear spend-down plan is crucial—not only for finances, but for confidence and peace of mind. Try a "bucket" strategy—dividing assets into income, cash reserve, and long-term growth buckets. By doing this, you'll be able to weather market swings and adjust spending appropriately in both up and down years. Importantly, plans should be flexible: during bull markets, withdrawals might increase modestly; in downturns, tightening the belt can protect long-term sustainability.  The Measure of Retirement Success Retirement fulfillment isn't about dying with the largest possible nest egg,  it's about achieving financial independence, enjoying freedom, and creating meaningful connections. Studies show that those who use their savings for experiences, relationships, and a sense of purpose report far greater happiness. This is about it in these terms, if you knew with certainty that your money would last, how would you spend differently starting tomorrow in retirement? Reflecting on this can help clarify goals and foster the confidence to pursue a fulfilling vision for retirement. Resources & People Mentioned 3 Steps to Retirement Planning The 2026 OASDI Trustees Report  Older Adults' Knowledge and Attitudes Related to the Social Security Trust Fund    Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

The retirement challenges many people miss aren’t found in the market—they appear when life changes unexpectedly. In this episode, Jim Fox explores the financial impact of losing a spouse and why taxes, income changes, and planning gaps can create added stress during an already difficult time. He explains why retirement planning goes far beyond investment returns, highlighting the importance of income strategies, tax awareness, and preparing for life’s “what ifs” before they happen. It’s a candid discussion making sure your plan is built for more than just the best-case scenario. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement portfolio isn’t the market, it’s the emotional decisions you make during market swings? Granger Hughes explores why trying to time the market can be especially risky in retirement and how investors can pursue growth while managing risk. Joined by Brad Jenkins, Chief Investment Officer at Market Guard, they discuss disciplined investing, downside protection strategies, tax, loss harvesting, portfolio customization, and the importance of aligning investments with individual risk tolerance. The conversation highlights practical ways to stay focused on long-term goals while avoiding short-term emotional reactions in unpredictable markets Hit play to discover what your financial advisor should be telling you. For events and complimentary consultations, visit hughesretirementgroup.com. See omnystudio.com/listener for privacy information.

Co-host Brett DiPasquale AIF®, BFA® Advisor – Elliott Wealth Management Services 

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss what really happens during an evaluation appointment, the first Financial Advisor Meeting most people have when they start exploring what it actually takes to plan for retirement. They break down the five critical areas that determine Retirement Success, known as the ROUTE to Retirement: Retirement Risk Management, Retirement Income Planning, Medicare Planning and Long-Term Care Planning under one unified healthcare umbrella, Retirement Tax Planning, and Estate Planning. If you've ever wondered what separates a real Retirement Financial Plan from a portfolio review with a nice title, this episode lays out exactly where most plans quietly fall short.Listen in to learn about why a simple one-to-ten risk question reveals more about your Retirement Readiness than any account statement ever could, how a written Retirement Investment Strategy and a real Social Security Planning conversation change decision making for the better, and why Retirement Tax Strategies put in place before the calendar year ends can outweigh almost any other move you make on the road to retiring comfortably.In this episode, find out:Why the risk scale used in every evaluation appointment skips the number seven, and what your honest answer reveals about your true Retirement ReadinessHow a written retirement income plan and clear Social Security Planning turn a stressful guessing game into a Retirement Financial Plan with actual data behind itWhy Medicare Planning and Long-Term Care Planning are treated as one Unified Healthcare conversation, and what a dedicated Medicare specialist changes about that experienceWhy most people's Retirement Tax Planning happens too late to matter, and how proactive Retirement Tax Strategies executed before December 31st can beat any adjustment to an investment strategyWhat a five-year-old estate plan gets wrong, and the real story of a client who needed updated documents in a single week before leaving for a cruiseTweetable Quotes:"Retirement planning is a bunch of knobs, and if you turn one, you're turning all the others." - Murs Tariq"It's something people don't want to talk about, and it's easy to procrastinate on it because, hey, I'm good, I'm healthy." - Murs TariqWhether you're years from retiring or already retired, this episode doubles as a retirement checklist for anyone planning retirement who wants a second look at whether their plan for retirement actually holds up across all five areas. Retirement isn't one decision; it's five connected ones, and this episode walks through exactly how those five come together to help you secure your retirement with real confidence instead of a guess.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.

Mitch Evans and Sandra Golden break down the Atlanta Braves' shutout win over the Pirates and the decision to pull Jared Jones from a perfect game. They also discuss Justin Verlander's retirement plans and major changes coming to the MLB Home Run Derby. 01:44 - Braves Shutout Pirates 08:23 - MLB League Updates 10:15 - Verlander and Home Run Derby

Looking for the right retirement plan advisor? In this episode, Stephen Puckett of Fiduciary Pension Partners breaks down how retirement plan advisory fees really work—what you're paying for, how services are structured, and what plan sponsors should ask before hiring.

Ready to take a deep dive and learn how to generate personal tax-free cash flow from your corporation? Enroll in our FREE masterclass here and book a call hereIs the 4% rule giving you a false sense of security about your retirement plan?The 4% rule is one of the most popular shortcuts in retirement planning, but it was never meant to be followed blindly. If you're a Canadian business owner, incorporated professional, or high-income earner nearing financial freedom, your timeline, tax structure, and market risk may look very different from the “average” retiree the rule was built around. And when markets are expensive, even a strategy that worked historically can become much less reliable.In this episode, you'll discover:Why the 4% rule is a helpful starting point, but not a complete retirement strategy.How high market valuations, bubbles, and sequence of returns risk can dramatically change your odds of success.Why the way your portfolio produces income may matter just as much as the size of the portfolio itself.Press play now to rethink whether your retirement plan is built to survive more than just average market conditions.Discover which phase of wealth creation you are in. Take our quick assessment and you'll receive a custom wealth-building pathway that matches your phase and learn our CRA compliant tax optimized strategies. Take that assessment here.Canadian Wealth Secrets Show Notes Page:Consider reaching out to Kyle if you've been……taking a salary with a goal of stuffing RRSPs;…investing inside your corporation without a passive income tax minimization strategy;…letting a large sum of liquid assets sit in low interest earning savings accounts;…investing corporate dollars into GICs, dividend stocks/funds, or other investments attracting corporate passive income taxes at greater than 50%; or,…wondering whether your current corporate wealth management strategy is optimal for your specific situation.For Canadian business owners and entrepreneurs approaching financial freedom in Canada, relying solely on the traditional 4% rule or a fixed safe withdrawal rate may not be enough. A strong Canadian wealth plan should account for sequence of returns risk, CAPE ratio retirement risk, market valuation risk, and the need for a flexible retirement income strategy that supports long-term financial independence Canada goals. Instead of focusing only on portfolio size, effective financial freedom planning should consider retirement cash flow planning, income investing Canada, RRSP optimization, salary vs dividends Canada, corporate wealth planning, tax-efficient investing, personal vs corporate tax planning, and corporation investment strategies. Whether your early retirement strategy includes real estate investing Canada, passive income planning, capital gains strategy, financial buckets, or an investment bucket strategy, the goal is to build a retirement portfolio strategy that balances growth, income, tax efficiency, and legacy planning Canada. With the right retirement planning tools, Canadian tax strategies, business owner tax savings, estate planning Canada, financial systems for entrepreneurs, and corporate structure optimization, you can create wealth building strategies Canada that support a modest lifestyle wealth goal today while building long-term wealth Canada for the future.Ready to connect? Text us your comment including your phone number for a response!If you listen to podcasts like The Rational Reminder with Ben Felix & Cameron Passmore, The Canadian Investor, The Canadian Real Estate Investor, Build Wealth Canada with Kornel Szrejber, ChooseFI with Jonathan Mendonsa & Brad Barrett, Afford Anything with Paula Pant, The Ramsey Show with Dave Ramsey, BiggerPockets Money, The Money Guy Show with Brian Preston & Bo Hanson, Invest Like the Best with Patrick O'Shaughnessy, Masters in Business with Barry Ritholtz, The Wealthy Barber Podcast with David Chilton, Financial Audit with Caleb Hammer, In the Money with Amber Kanwar, The Loonie Hour with Steve Saretsky, or More Money Podcast with Jessica Moorhouse — we're confident you'll enjoy Canadian Wealth Secrets too.Canadian Wealth Secrets is an informative podcast that digs into the intricacies of building a robust portfolio, maximizing dividend returns, the nuances of real estate investment, and the complexities of business finance, while offering expert advice on wealth management, navigating capital gains tax, and understanding the role of financial institutions in personal finance.

Can You Retire at 63 With $850,000? Here's the StrategyIn this retirement video, I walk through a retirement strategy for someone who is 63 years old with $850,000 saved for retirement. We'll look at how retirement income, Social Security timing, retirement withdrawal needs, taxes, and healthcare can all impact whether retirement is actually realistic. The goal isn't just to ask “Can I retire?” — it's to build a retirement strategy that helps your money last.**Schedule your free virtual consultation

Strategic Wealth Hour Employer Sponsored Retirement Plans - 7-5-26 by

What if the biggest retirement mistake isn’t choosing the wrong annuity—but not understanding what you already own? Steve Anzuoni breaks down why annuities create so much confusion, how retirees can avoid costly planning mistakes, and why guaranteed income plays a critical role in long-term retirement confidence. He shares a real-world example of aligning income and long-term care concerns, discusses planning for longevity, and explains why delaying retirement decisions can be costly. The conversation also covers maximizing 401(k) opportunities, catch-up contributions, and the importance of turning financial knowledge into action. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

Our friend Bruce Helmer from The Wealth Enhancement Group, joined Vineeta with reaction to the new accounts that went live over the weekend!

Tom and Charlie discuss the Employer Sponsored Retirement Plan, and how to fully use them.

Most retirement content talks about what to do. This episode talks about what actually goes wrong -- and how often it happens to people who thought they had it figured out. Joel Larsgaard of How to Money, Paula Pant of Afford Anything, and Jesse Cramer of Personal Finance for Long-Term Investors each nominate their worst retirement mistake for the wall of shame. Some make it. Some get argued off. All of them are more common than you'd think.What You'll Walk Away WithWhy "everything's going to go according to plan" is the most dangerous assumption in retirement -- and the gray swan events nobody sees coming that quietly derail otherwise solid plansThe difference between a black swan and a gray swan: why divorce, health changes, and job loss in your early 60s aren't surprises exactly, and yet almost nobody plans for themWhy most people retire two to three years earlier than they expected -- and why those lost years tend to be peak earning yearsThe pre-tax wealth trap: why the number in your 401(k) isn't the number you actually get to spend -- and the planning that closes the gapJoel's RV warning: why the most regretted retirement purchase is almost always the one that seemed most exciting at the moment of retirementThe copy-paste retirement: why doing what other retirees do -- epic trips, vacation homes, the shiny version of leisure -- often produces a quietly miserable resultWhy the 4% rule is a starting point, not a sentence: how lumpy real-world expenses, medical costs, and changing needs make a fixed withdrawal rate more aspiration than realityThe lifestyle design question underneath all of it: why Fritz Gilbert's polling of actual retirees found that finances barely make the top concerns list once you're actually retiredPaula's fix for the go-go years: how a dedicated travel bucket with a deliberate spend-down timeline lets you enjoy early retirement without quietly mortgaging the rest of itWhy the 18-month retirement honeymoon often ends in the biggest depression of someone's life -- and what to do before you retire to prevent itWhy This Matters NowEvery mistake on this wall is more common than it should be -- and most of them are fixable with a little planning before the moment arrives. This episode is the conversation to have while you still have time to change something.From the BasementJoel Larsgaard, Paula Pant, and Jesse Cramer build the retirement wall of shame live, with Joe trying and failing to get anyone to argue anyone else off the board. Paula tries to win the trivia competition for the second week in a row with a guess of $500 on George Washington's Continental Army salary -- was she right???? Happy Fourth of July from mom's basement, and Stephen Merchant has some thoughts about the holiday.Resources MentionedHow to Money podcast -- Joel Larsgaard; greatest hits in July; available wherever you listen to podcastsAfford Anything podcast -- Paula Pant; July 1st episode on the New York City rent freeze and its downstream consequencesPersonal Finance for Long-Term Investors (FILTI) -- Jesse Cramer; recent episode with Frank Vasquez on risk parity; upcoming AMOT on Roth conversionsThe Retirement Manifesto -- Fritz Gilbert; retirement research and polling referenced in the episode; theretirementmanifesto.comLiving Off Your Acorns by Dana Anspach -- referenced for the go-go, slow-go, no-go framework; available wherever books are soldStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementOG financial planning calendar -- stackingbenjamins.com/ogSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this compilation program, Justin Klein and Luke Guerrero field a variety of finance and investment questions from callers across the United States and around the World.Today's Stocks & Topics: I-R-As, 401k Plan, Compound Frequency, Is It Good Time to Buy Stocks, Fidelity 401k Plan, Small Cap Stocks, Fed Rate Cuts, Relative Strength, Young Investor Looking for Advised, Silver, Start Taking Equity, Financial Terminology, Fundamental Analysis, 457 Retirement Plan.Advertising Inquiries: https://redcircle.com/brands

Roth or traditional IRA? 401(k) or IRA? Tax deduction now or tax-free withdrawals later?These are common questions when saving for retirement, but many people get stuck trying to make the “perfect” decision and end up delaying the most important step: actually saving.In this episode of The Capitalist Investor, the crew breaks down common IRA and retirement account mistakes, including why Roth vs. traditional is not always a simple answer, how required minimum distributions can affect retirement income, why spousal IRA contributions are often overlooked, and how your 401(k) and IRA should work together instead of being treated as separate decisions.They also discuss the importance of having money in different tax buckets, using retirement accounts strategically, and avoiding the mistake of looking at each investment account in a vacuum.If you are building your retirement plan, reviewing your IRA, or trying to decide how your 401(k) fits into your larger financial picture, this episode will help you think through the bigger strategy.Listen to The Capitalist Investor for conversations about retirement planning, investing, taxes, financial strategy, and the decisions that can impact your long-term financial future.Chapters0:00 Common IRA and retirement account mistakes0:47 Roth vs. traditional IRA1:32 Required minimum distributions and taxes2:35 Why generic retirement advice can be misleading3:55 The biggest mistake: procrastinating on saving4:34 Why tax buckets matter in retirement5:30 Spousal IRA contributions6:26 Coordinating your 401(k) and IRA7:47 Looking at retirement accounts holistically8:38 Balancing overexposure in your portfolio9:08 Final thoughts

Can I Retire at 60 with $285,000 Saved For Retirement?!?Can you really retire at age 60 with only $285,000 saved? In this video, I break down a real-world retirement scenario and show what kind of income $285,000 may be able to generate. We'll discuss Social Security, spending needs, healthcare costs, and the key factors that determine whether retirement is realistic. If you're approaching retirement and wondering if you've saved enough, this analysis will help you understand your options. **Schedule your free virtual consultation

Retirement is often painted as a well-earned period of leisure, adventure, and relaxation. Yet, the journey to a fulfilling retirement is rarely straightforward. On this episode of the show, I'm shining a light on the intricate realities lying beneath common assumptions—and how the right planning, rooted in your personal goals and beliefs, makes all the difference. I also share an eye-opening case study highlighting the difference between being told you're "good to retire" and actually being prepared for retirement.    You will want to hear this episode if you are interested in...   [00:00] Advice on personalized retirement planning  [09:35] Retirement finances beyond your 401k [12:50] Planning a travel-focused retirement [15:13] Discussing retirement readiness scoring [17:51] Estimating future long-term care costs [21:06] Risks of a fixed income [30:34] Understanding annuities and IRA conversions When Generic Advice Isn't Enough It's critical it is to have a tailored retirement plan, not just a verbal green light from a general financial planner. Retirement is one of life's most significant transitions: leaving behind peak earning years for potentially three decades or more of financial independence. Generic answers, unsupported by analysis, put dreams and security at risk.   What Makes Up a True Retirement Plan? Retirement planning isn't just a matter of having "enough" in a 401(k) to draw a standard percentage each year. There is a huge array of considerations required for a robust plan:   Health Insurance Before Medicare: What happens if you retire at 61, but Medicare doesn't kick in until 65? Options like COBRA may be costly and only temporary. Knowing all available choices is crucial to avoid unexpected expenses. Housing Decisions: Downsizing might not bring the savings (or happiness) you expect in today's real estate market. Plans should address whether you'll stay, improve your home, or move, and how each choice affects your budget and taxes. Major Expenses and Repairs: From home improvements to HVAC upgrades, factoring in intermittent—but significant—expenses is part of protecting your financial stability in retirement. Timing Social Security: Early collection might not be best, especially for those with longevity in their family. Taking a holistic view of Social Security's role in your cash flow and legacy is vital. Personal Goals: Retirement is about more than cash flow. What do you wish to do—travel, spend time with family, pursue hobbies? These needs must be "baked into" your plan, not treated as afterthoughts.   Why There Are No Shortcuts in Planning The elevator to success is broken. You have to use the stairs!. You need to put in the work, do some brainstorming, and conduct continuous review to build a strong retirement plan. Shortcuts—like relying on rules of thumb or ignoring nuanced needs—leave you exposed to avoidable pitfalls. Assessing your "retirement readiness grade" honestly helps identify what's missing. Rarely does someone fail readiness due to insufficient savings alone; more often, the gaps lie in overlooked factors such as healthcare, taxes, risk mitigation, or a lack of clarity on what retirement should look like.   The Power of Personal Core Beliefs in Shaping Strategy Your beliefs and values shape your retirement strategy. These core beliefs drive thoughtful planning:   Long-Term Care is a Universal Risk: Statistically, women face a higher likelihood of needing care, but everyone must plan for this unpredictable cost. Inflation Is Inevitable: Rising costs, from stamps to healthcare, erode fixed incomes over time. A plan that doesn't anticipate inflation invites hardship down the road. National Debt and Taxes: With U.S. debt at $40 trillion and growing, it's prudent to assume taxes will rise in future decades; your tax strategy should reflect that likelihood, even as you account for uncertainty.   Writing Your Own Next Chapter Most importantly, you have to understand that retirement as a deeply personal chapter—you get to decide what happiness and fulfillment mean. Whether that involves travel, volunteering, family time, or pursuing new ventures, your personal goals must drive your planning process. There's no one-size-fits-all template; only a comprehensive, personalized plan offers true peace of mind. Retirement readiness isn't a destination handed to you—it's a path you build through diligent planning and honest reflection on what matters most to you. By moving beyond generic reassurances and crafting a strategy rooted in personal goals and beliefs, you can confidently step into retirement's best years.   Resources & People Mentioned 3 Steps to Retirement Planning   Connect With Gregg Gonzalez   Email at: Gregg.gonzalez@lpl.com Podcast: https://RetireStrongFA.com/Podcast Website: https://RetireStrongFA.com/ Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

AI is transforming the future of retirement planning — but what does that really mean for plan sponsors and participants today? In a landscape where AI capabilities evolve faster than regulations can keep up, how can financial services stay responsible without falling behind? Rick Unser hosts industry experts Nikki Susman and Brian Cosmano to unveil how AI is already reshaping every facet of retirement plans — from onboarding and fraud detection to personalized participant advice and real-time action. You'll discover how leading firms are using AI to make security smarter, streamline compliance, and accelerate product development from months to weeks, while learning why human oversight and responsible governance remain essential to building trust, engagement, and long-term competitive advantage. Whether you're a plan sponsor, advisor, or participant, this episode shows how AI can work for you, secure your future, and help your organization stay ahead in the evolving retirement landscape. Tune in to move from curiosity to confident action and see why embracing AI responsibly is the most critical move you can make right now.

Do you remember the small guy in a big, fashy-looking coat who oversaw ICE's invasion of Minneapolis — the operation that led to the deaths of Renee Good and Alex Pretti? His name is Gregory Bovino, and he wants to be your president.Acclaimed To Catch a Fascist author Christopher Mathias rejoins PTI this week. After a brief detour into the sentencing of antifascists in Texas, he joins Jared and Mike to paint a picture of Bovino: beyond standing just 5'4", the man is afflicted with a metastasized strain of MAGA, one fixated on "remigration" — that is, deporting upwards of a hundred million people. This year, he stepped down from commanding ICE and moved into new territory: cozying up to hardened white nationalists and meeting with extremists abroad.So dust off your VHS copy of "The Border" and join us as we get to the bottom of the most shocking truth of all: Bovino may look like he's from Long Island, but he's not!Links for Chris:Talking Points Memo: "Greg Bovino's Retirement Plan? Go Full Fascist"MSNOW: "After teasing a presidential bid, Greg Bovino joined a white nationalist's podcast"Blueksy: @letsgomathias.bsky.social / X: @letsgomathiasBook: "To Catch a Fascist: The Fight to Expose the Radical Right"

What if one of the biggest predictors of your future health isn't your weight—it's your strength? In this episode of the MuuvWell Podcast, Kevin Winn explains why strength is essential for longevity, injury prevention, and performing at your best—both at work and at home.You'll also learn a simple full-body strength routine that takes just a few minutes, requires little or no equipment, and can be adapted for almost any fitness level. Whether you're looking to stay active as you age, reduce your risk of injury, or help build a healthier workforce, this episode gives you practical steps you can start today.

-Episode 148- This week Bryan talks about scratcher tickets, beard maintenance and survival shows. 

For decades, people were told the same retirement formula: Save. Invest. Wait. Hope. But what happens when the market crashes right before retirement? A 30%, 40%, or 50% drop can change everything. The question isn't just how much money you have. It's whether your money is built to survive.

Turn Your Savings Into Retirement Income With This Simple RuleIn this video, I explain the Rule of 1000, a simple way to estimate the monthly retirement income your nest egg may be able to provide. Whether you have $250,000, $500,000, $1 million, or more saved, this rule can help you quickly determine if you're on track for the retirement lifestyle you want.**Schedule your free virtual consultation

A hidden leak nearly flooded his backyard—and it mirrors a financial issue many retirees overlook. In this episode, Brandon Bowen reacts to Jamie Dimon’s take on tackling problems early, using a real-life story to highlight why delays can lead to bigger complications. From managing debt to prioritizing health and addressing estate planning gaps, the conversation focuses on organizing what may be scattered across accounts and advisors. Hear how coordination between professionals—and clear communication—can help bring structure to retirement planning and legacy considerations. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Global headlines can feel overwhelming—but what do they actually mean for your retirement? JoePat Roop simplifies complex geopolitical and market concerns, connecting global events, market cycles, and long-term investing principles. The conversation focuses on risk awareness, diversification, and maintaining a steady plan despite uncertainty. For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What role can annuities play in retirement planning, and how do you know if they may be worth considering? In this episode, we break down the pros, cons and complexities of annuities in a practical, easy-to-understand way. From income features and potential downside protection to fees, surrender charges and liquidity concerns, you'll learn why annuities may be a helpful tool for some retirees, but not the right fit for others.The episode explores different types of annuities, including variable annuities, fixed indexed annuities and income-focused strategies that may help create a personal pension-style income stream in retirement. You'll also hear why some retirees value annuities for the added predictability they may provide, especially during market volatility or for those concerned about outliving their money.Most importantly, this discussion emphasizes that a product should never replace a comprehensive retirement plan. Whether you already own an annuity or are considering one for the first time, this episode offers educational insight to help you better understand whether an annuity may fit into your retirement strategy.--

A warning Kiwisaver will still only remain a foundation not a complete retirement plan, despite promised boosts. National announced yesterday it will make the scheme compulsory - giving every new-born a $1500 boost, if re-elected in November. It's also promising to raise minimum contributions, make employers contribute for staff over 65, and for staff on paid parental leave. Generate Investment Specialist Greg Smith told Mike Hosking that long-term outcomes will be driven by decades of regular contributions. He says Massey University research shows an average metropolitan couple needs around one million dollars for a comfortable retirement. LISTEN ABOVESee omnystudio.com/listener for privacy information.

John Walker and Jason O'Meara discuss how inflation can impact the purchasing power of your retirement savings.

Silver didn't hit $121 because people suddenly wanted more silverware. It exploded because the market is starting to recognize silver for what it really isToday's Stocks & Topics: First Majestic Silver Corp. (AG), Market Wrap, Nu Holdings Ltd. (NU), Remitly Global, Inc. (RELY), Tractor Supply Company (TSCO), Dividend Reinvestment Plan (DRIP), Silver Is Now a Monetary Metal. The $12, Vanguard Real Estate Index Fund ETF Shares (VNQ), Gold, Fundamental Analysis, 457 Retirement Plan. Our Next Wealth Webinar: “Beyond the Yield: How to Invest for Your Income Needs” June 30th, 2026 - 12:00 pmTo sign up: https://us06web.zoom.us/webinar/register/5717793889555/WN_XuoDgMVwSv6wZXXurrZTLgOur Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Stop treating your retirement like a someday problem…For business owners, the right plan can be a valuable tax strategy. But too many entrepreneurs wait too long, choose the wrong plan, or assume a 401(k) is only for big companies. In this episode, Mike sits down with Matt Ruttenberg to explain how retirement plans work for small business owners. They break down the differences between SEP IRAs, SIMPLE IRAs, solo 401(k)s, safe harbor 401(k)s, and defined benefit plans, plus the questions you should ask before choosing a plan, including your contribution goals, employee needs, cost, timing, and tax savings potential.

Most Retirees Will Run Out of Money. Here's Why. Many Americans enter retirement believing they have enough saved, but the reality can be very different. Inflation, healthcare expenses, taxes, market volatility, and spending habits can put tremendous pressure on a retirement portfolio over time. **Schedule your free virtual consultation

Alexander Volkanovski joins the bus fresh off UFC Freedom 250 on the White House lawn. Taylor Lewan & JP Hovey break down every fight from the greatest sporting event they've ever attended — from Trump coming down to YMCA, to Justin Gaethje pulling off the greatest upset in UFC history. Volk opens up about cornering Mauricio Ruffy, his origin story from rugby to UFC champion, taking the Islam fight on 11 days notice, and coming back from two devastating KO losses. Plus Australian wildlife, the Street Fighter movie, and BWTB is going to Australia. Big hugs, tiny kisses. Timestamp Chapters: 0:00 Open 0:43 Alexander Volkanovski Is The GOAT 3:19 Eric Church Callbacks 6:04 UFC Freedom 250 Full Breakdown 8:23 Sweet Greens Review 12:26 Dana White’s White House Invite 16:20 Running Into Triple H, RFK, And Bryson DeChambeau 20:52 Trump’s Entrance 24:42 Zac Brown Crushed The National Anthem + Best Flyover Ever 26:22 UFC On Mars 27:29 Diego Lopes Fight Recap 29:14 Bo Nickal Fight Recap 30:12 Michael Chandler’s Loss 32:20 Meta Glasses For Blind Veterans 38:55 The Michelle Obama Comment 42:44 Sean O'Malley Hit Four Salutes 47:17 Pereira Fight Recap 50:22 Topuria’s Walkout 52:29 Justin Gaethje’s Victory For America 53:37 Greatest Sporting Event Ever 56:22 Taylor Wrestled Volk 59:26 JP Going To The World Cup w/ NUTRL 1:02:08 Tier Talk 1:03:10 Taylor's Cabo Travel Guide 1:08:07 Alexander Volkanovski Enters The Bus 1:10:45 How Volk Prepared Ruffy 1:14:06 How Volk And Ruffy Built Their Relationship 1:19:00 Volk Knew Chandler Was Going To Lose 1:23:52 Volk Says Ruffy Is The Best Striker In The UFC 1:31:34 Soccer To Wrestling To Rugby To UFC Champion 1:35:28 Volk Wanted To Be Champion At 16 1:37:04 Volk Won The Rugby Grand Final 1:40:35 Volk’s 11 Days Notice Fight W/ Zero Training 1:45:12 Coming Back From Two Devastating KO Losses To Win The Title 1:51:09 Volk's Advice For Young Athletes 1:57:44 Having Kids Changed Everything 2:05:59 BWTB Travels To Australia 2:20:16 Volk Never Saw Himself As Short 2:24:06 Volk's Dad Turned Every Farm Animal Into A Pet 2:29:42 Volk Catches Wild Pythons 2:35:58 Volk Swam With The Most Aggressive Shark In The World 2:46:45 Big Red Kangaroos In Australia 2:52:05 Volk Is Playing Joe In The Street Fighter Movie 2:59:05 Bud Light Question 3:04:45 BWTB Going To Australia In February 3:06:38 Volk Wants To Be A Billionaire See omnystudio.com/listener for privacy information.

Are you on track for a successful retirement? While most people focus on how much they've saved, retirement success depends on much more than your account balance. In this episode of the Wise Money Show, the team breaks down the five key factors that determine retirement readiness. Learn how financial advisors evaluate retirement success and discover the critical ingredients that can help you retire with confidence. Season 11, Episode 43 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/schedule-a-call/  or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/3I7VGWmfrAY  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Does my retirement plan work as is or should I be looking to buy a deferred income annuity?Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

This week, Liberty and Emily discuss Based on a True Story, Earth 7, The Summer Girlfriend, and more great books! Subscribe to All the Books! using RSS, Apple Podcasts, or Spotify and never miss a book. Sign up for the weekly New Books! newsletter for even more new book news. Keep track of new releases with Book Riot's New Release Index, now included with an All Access membership. Click here to get started today! This content contains affiliate links. When you buy through these links, we may earn an affiliate commission. Books Discussed On the Show: Based on a True Story by Sarah Vaughan The Missed Connection by Tia Williams The Way it Haunted Him by Laura R. Samotin The Summer Girlfriend by Kristina Forest Paris Celestial by A.Y. Chao Headlights by CJ Leede Earth 7 by Deb Olin Unferth Rasputin Swims the Potomac by Ben Fountain The Yahoo Boys: Love, Deception, and the Real Lives of Nigeria's Romance Scammers by Carlos Barragán Freedom: Essays by Zinzi Clemmons I'll Take the Fire by Leila Slimani The Fervent Whites by De'Shawn Charles Winslow Transcendent: A Memoir by Laverne Cox Villa Coco by Andrew Sean Greer  The Animal Room by Lauren Acampora  Pool House by Mary H.K. Choi Social Animals by Camille Perri Contrapposto by Dave Eggers What We're Reading: Molka by Monika Kim Teret Teret by Nafkote Tamirat Galapagos by Kurt Vonnegut The Demon Overlord's Retirement Plan by M. H. Foster Paperbacks: Atmosphere by Taylor Jenkins Reid So Far Gone by Jess Walter The Satisfaction Café by Kathy Wang Links: The Marriage Plot adaptation Bestsellers: Theo of Golden by Allen Levi   Yesteryear by Caro Claire Burke   Project Hail Mary by Andy Weir The Ballad of Falling Dragons by Sarah A Parker  The Deal by Elle Kennedy  Fever Dream by Elsie Silver Score by Kennedy Ryan On Witness and Respair: Essays by Jesmyn Ward Things in Nature Merely Grow by Yiyun Li Learn more about your ad choices. Visit megaphone.fm/adchoices

Parker recaps his Truck Series run at Michigan, breaking down setup decisions, a costly tape call, and an on-track battle with Ross Chastain. The guys discuss Denny Hamlin's dominant Cup win, his 63rd career victory tying Kyle Busch, and whether NASCAR is entering an era of F1-like dominance. They also dig into AI's growing role in race strategy, Carson Hocevar's rising star power, Christopher Bell's crash injuries, and a tribute to NASCAR legend Ned Jarrett. Plus, quick hits on F1 Monaco and IndyCar Gateway round out a packed episode. Leave us a voicemail! https://moneylap.com Or email us! friends@themoneylap.com Timestamps: 00:00 - Intro 06:14 - The Rise of AI in NASCAR 09:23 - Five-Star Review Shoutout 10:12 - Michigan Truck Race Finish 13:10 - Denny Hamlin's Dominant Cup Win 15:05 - Bell and Elliott's Horrific Crash 17:13 - Hamlin's Emotional Victory Celebration 19:07 - Carson Hocevar's Aggressive Restart 23:59 - NASCAR Cup Series Points Battle 28:03 - Connor Zilisch's Tough Cup Start 29:56 - Denny Hamlin's Retirement Plans 32:24 - NASCAR News and Notes 37:47 - Formula 1 at Monaco Recap 43:32 - IndyCar at Gateway Recap 46:03 - Listener Comments from Social Media 52:11 - Picks for the Upcoming Weekend (Timestamps are a rough timing and may require a little scrubbing to find the start of the topic) The Money Lap is the ultimate motorsport show (not a podcast) with Parker Kligerman and Landon Cassill professional racecar drivers and hilarious hosts taking you through the world of motorsports. Covering NASCAR, F1, Indycar, and more, they'll provide the scoop, gossip, laughs, and stories from the racing biz. With over 2400 unique products currently in stock, Spoiler Diecast boasts one of the largest inventories in the industry. We are NASCAR focused, offering a wide range of diecast and apparel options. But that's not all. We've expanded our catalog to include diecast for dirt/sprint cars, Indycar, and F1. As passionate racing fans ourselves, we're constantly growing our offerings to cater to different forms of racing. Use promo code "moneylap" for free shipping for orders over $20. https://www.spoilerdiecast.com/ Copyright 2026, Pixel Racing, LLC. All Rights Reserved.

Why Have So Many Gay Men Struggled to Save for Retirement?We hear this from gay men all the time, usually those in their 50s or pushing their 60s:“I want to retire now, but I have absolutely nothing saved.”And when we ask what happened, the answer usually isn't laziness. It isn't that they didn't care. It often comes down to three quiet beliefs many gay men inherited from culture, trauma, fantasy, and avoidance.In this episode of Queer Money, we're talking about the three retirement plans that sabotage gay men and keep too many of us from saving, investing, and building the future we actually want.These are some of the biggest gay retirement mistakes we see:“I'll die young and beautiful.”“I'll marry a sugar daddy.”“I'll figure it out later.”For many gay men, especially those who came of age during the HIV/AIDS crisis, the idea of growing old, happy, healthy, loved, financially stable, and free wasn't something we were encouraged to imagine. Some of us didn't believe we'd live long enough. Some of us hoped someone else would save us. And some of us assumed we'd eventually get serious about money later.But later showed up, and now she wants receipts.This episode is not about shame. Shame is not a retirement plan either. This is about naming the myths that may have helped us survive emotionally, but are now sabotaging our older gay selves financially.Takeaways from this episode:Why many gay men struggle to picture themselves as older, secure, and financially freeHow the “I'll die young” myth became one of the most damaging gay retirement mistakesWhy waiting for a partner, husband, or sugar daddy to fund your retirement is not a planHow “I'll figure it out later” quietly sabotages retirement savings and investingWhy time in the market matters more than waiting until you “have more money”How old survival beliefs can turn into financial avoidanceWhy gay retirement planning is really about creating options, dignity, freedom, and joyHow asset acquisition and cash-flow building can help gay men retire betterIf this hits a little close to home and you're ready to finally have the retirement conversation, schedule a Retirement Readiness Review with us at the link in the show notes.We'll help you look at where you are, where you want to go, and what steps you can take to retire early, retire abroad, or simply retire better.Chapters:00:00 - Intro01:41 - Starting convo02:42 - Myth 105:52 - Myth 207:56 - Myth 311:41 - Self Reflection13:04 - Reframing 15:37 - The Fix16:33 - OutroMentioned in this episode: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!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!

When evaluating flood insurance, many people focus on a single question: Do I need it? I think there's a better question. If your home suffered significant flood damage tomorrow, where would the money come from? This week I spent some time looking at flood insurance, flood risk, and what retirees should consider when deciding whether they need coverage. Watch the full episode on the Mr. Retirement YouTube channel: Do I Need Flood Insurance in Retirement? https://youtu.be/XRZKfiY1jGg For disclosures and conflicts visit keilfp.com/disclosures.

At a point your business becomes large enough to start a retirement plan. Allie and Logan break down the different kinds along with their pros and cons. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most people don't fall short in retirement because they're lazy or bad with money. They fall short because their home equity sits idle, taxes quietly eat away at their gains, and they've never been shown how to turn real estate into reliable retirement income without creating another full-time job. Maybe you're a homeowner in a high-cost market, a realtor with “lumpy” income, or a self-employed professional with no real pension, are you sitting on hundreds of thousands in equity and still worried you'll outlive your money? In this episode of Marketer of the Day, mortgage broker and retirement strategist Kerry Worden shows you how to “Retire on Real Estate” by using short-term rentals, reverse mortgages, and tax-deferral strategies to turn what you already own into cash flow. If you've ever wondered, “Am I an accidental millionaire on paper but broke in retirement?” or “How do I use my house in my retirement plan without losing it?” This conversation is for you. https://youtu.be/eZ9SNKq6J_8?si=IAl1yuQcM6stemiP Kerry shares the story behind Buckeye Basecamp, his short-term rental near Yosemite that sleeps up to 20 people, and explains why short-term rentals, set up as real businesses, can deliver stronger income and better tax treatment than many traditional long-term rentals. You'll hear about passive activity loss limitations, why so many investors and retirees leave money on the table, and how especially in your higher-earning pre-retirement years, short-term rentals can help you keep more of what you make. If you're a realtor, homeowner, or self-employed pro who's built up equity but not a real plan, this episode will challenge how you think about risk, retirement, and your house. Kerry's mindset, captured in his personal motto “DFQ: Don't F'n Quit,” is about not giving in to fear, myths, or confusion, but getting just educated enough to make smart, confident decisions for yourself and your family. Quotes: “Short-term rentals for retirement can be opportunity or overload. If you're not ready, it really can feel like too much, but for people trying to get ready to retire, especially in those higher-income years, they can be incredibly helpful.”  “A reverse mortgage line of credit has a unique attribute: it grows and never stops growing. Even if the value of the house never goes up again, that line of credit keeps increasing anyway.” “My purpose with financial planners and realtors is to show them how a reverse mortgage can help their clients not outlive their assets and reduce their tax liability. If you ignore home equity, you're ignoring one of the biggest tools in the retirement toolbox.”  Contact Details: Visit Kerry Worden's Facebook Page Connect with Kerry Worden on LinkedIn Visit Real Retirement Strategies Official Website Learn More About Buckeye Basecamp Follow Kerry Worden on Instagram Get The Copy of Retire of Real Estate: The Realtor's Retirement Plan on Amazon

The real mistake isn't spending too much. It's dying with money you never used. Bill Perkins built a career generating over $2.2 billion in trading profits as a hedge fund manager. His book Die With Zero reframes what money is actually for. Money is a tool, not a goal. Every dollar you hold at death represents life energy you spent earning it and never converted into something real. The question isn't how much you save. It's whether you're using your wealth, your health, and your time together, in the right order, to get the most out of your one shot. That's where memory dividends come in. When you invest in an experience, you don't just get the moment. You get a return every time you recall it, tell the story, or relive it in conversation. The joy compounds long after the trip ends. But timing matters more than most people realize. Your ability to convert money into meaningful experience decays as you age. The adventures your body wants now won't be available at 72. Life is like Tetris. Get the pieces in the right order, and you get everything. Delay too long, and the window quietly closes. Die With Zero: Getting All You Can from Your Money and Your Life Amazon Ebook Audiobook Bill on X Bill on Instagram In this episode you will: Understand the Die With Zero philosophy and why every dollar you die holding is proof you worked for no reward Discover the memory dividend concept and why investing in experiences now pays compounding joy long after the moment passes Learn the time bucket framework for getting your biggest experiences in the right order before your body, not your bank account, makes the decision for you Identify the biggest psychological crime around money: fearing you'll run out instead of fearing you'll waste your one life Build the belief, mindset, and consistency that Bill Perkins says are the three keys to earning more and actually feeling fulfilled by what you have For more information go to https://lewishowes.com/1937 For more Greatness text PODCAST to +1 (614) 350-3960 Follow The Daily Motivation for essential highlights from The School of Greatness More SOG episodes we think you'll love: Lewis Howes Solo [$0-1M Blueprint] Mrs. Dow Jones Myron Golden TOPICS Bill Perkins, Die With Zero, memory dividends, time buckets, life is Tetris, scarcity mindset, net fulfillment, legacy and inheritance, Your Money or Your Life, financial fulfillment Get More From Lewis! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.