Podcasts about retirement podcast

Send us a text“Family isn't defined only by last names or by blood; it's defined by commitment and by love.” – Dave Willis.Many new homes are built without a dedicated space for family communal dining. This building trend says volumes about American family units today.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this episode, Marty discusses the importance of maintaining control over one's financial future, addressing common insecurities many Americans face regarding their financial stability. He emphasizes the need for a comprehensive financial plan that includes understanding income sources, managing debt, and preparing for emergencies. The conversation also covers the benefits of annuities, the significance of not procrastinating in financial planning, and strategies for effective retirement savings. Marty encourages listeners to take proactive steps in their financial journey and offers his services for personalized financial planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

In this episode, Kelley Slaught discusses common financial mistakes that baby boomers make as they approach retirement. She emphasizes the importance of understanding Social Security, the necessity of early savings, and the rising healthcare costs that can impact retirement plans. Kelley also highlights the significance of balancing risk in investment portfolios, the emotional aspects of retirement decisions, and the need for flexibility in planning. Additionally, she addresses the importance of crisis-proofing retirement plans against economic downturns and the role of emergency funds. The episode concludes with listener questions, providing practical advice on various financial topics. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Send us a textJoin me as I interview Cindy Terry, a unique Retiree with a special outlook on life.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this episode of The Retirement Playbook, Granger Hughes reveals the critical shifts reshaping retirement planning. Learn why the 4% rule may be outdated when to act on Roth conversions, and how annuities can protect your income. Discover high-impact strategies to generate income, reduce risk, and build a bulletproof retirement plan. Don’t wait—your financial future depends on what you do next. 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.

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions break down five key types of investments you should understand before retiring. They explore the roles of stocks, bonds, real estate, annuities, and cash equivalents in building a resilient retirement portfolio. Jim and Casey explain how each investment works, the risks and rewards involved, and how to align them with your goals. Whether you're a conservative investor or willing to take on more risk, this episode helps you make more informed financial decisions as you approach retirement. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Welcome and Introduction 00:35 Why Knowing Your Investments Matters 01:22 #1: Stocks – Growth and Volatility 03:30 #2: Bonds – Income and Stability 05:45 #3: Real Estate – Passive Income and Property Ownership 08:21 #4: Annuities – Predictable Income with Caveats 10:55 #5: Cash and Cash Equivalents – Liquidity and Safety 12:48 Diversification and Building a Balanced Strategy 14:06 Final Thoughts and Recap 15:22 How to Learn More and Get in Touch Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Marty unpacks some retirement mistakes baby boomers are making including overestimating their Social Security, delaying retirement contributions, and underestimating healthcare costs. He offers some proactive solutions. Marty also offers some warnings and suggestions for that critical first year of retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kelley discusses various strategies for retirement planning, focusing on hidden financial assets that can enhance retirement income. She emphasizes the importance of utilizing life insurance policies, health savings accounts, and alternative investments. The conversation also covers the concept of phased retirement, allowing individuals to transition gradually into retirement while maintaining income. Additionally, listener questions address common concerns about diversification, annuities, and tax strategies when selling assets. Kelley encourages proactive planning to ensure a comfortable retirement. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

July 2025 – Life at Aon In this podcast, Aon's Jennifer Michel and John Harney are joined by colleagues Janet Pheasant, Luke Hammond and Naomi Wilson to discuss their careers, experiences and what life at Aon means to them. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Read about the Aon UK DC Pension Tracker: https://www.aon.com/unitedkingdom/retirement-investment/defined-contribution/aon-uk-dc-pension-tracker Listen to the latest Aon Investment Podcast: https://soundcloud.com/user-508804918/investing-in-the-zone Email us your topic suggestions, comments and questions to TalkToUs@aon.com

Send us a text"Van, I've been planning for retirement for 25 years, but I have no idea what I'm actually planning FOR!"This client's confession sparked today's episode of The Retirement Learning Lab. Host Van Richards, ChFC®, RICP®, reveals why most people approach retirement planning completely backwards - and how to fix it.In this eye-opening episode, you'll discover:Why most people spend more time planning their annual vacation than their next 30 years of lifeThe shocking difference between retirement "wishes" and a real retirement "vision"The 2 critical components every retirement vision must includeHow to identify what you're planning FOR vs. what you're planning AGAINSTWhy vague hopes like "being comfortable" sabotage your financial decisionsThe philosophical approach that transforms retirement from an ending into a purposeful new beginningVan draws from over 30 years of experience helping people move from "insecure to in control" in their retirement planning. This foundational episode sets the stage for every investment, insurance, and income strategy you'll need.Free Resource: Download the Retirement Life Workbook at forms.richardsfinancialplanning.comNext Episode Preview: Part 2 covers the "26 Things That Make You Happy During Retirement" and setting your retirement timeline.Educational content only - not investment, legal, or financial advice.Transform your retirement planning from overwhelming to exciting. Start with clarity, build with confidence.

Send us a textThe conventional approach to withdrawing retirement funds generally involves withdrawing from taxable accounts first, followed by tax-deferred accounts, and finally tax-free accounts. This strategy can minimize taxes and maximize the growth of tax-advantaged investments. Does that mean that this is the best approach for everyone? Like most retirement-related topics, the answer is not a simple yes or no. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Kelley discusses essential financial truths for those nearing or in retirement, emphasizing the need for personalized financial plans. The conversation covers universal financial truths, including the impact of inflation and taxes, and the importance of creating sustainable income in retirement. Kelley also revisits common parental financial advice, adapting it to modern realities, and highlights the significance of achieving peace of mind in financial planning. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty talks about the importance of mindset in making financial decisions, particularly in retirement planning. He emphasizes the need for a comprehensive plan to alleviate financial stress and provide confidence for the future. The discussion covers various aspects of retirement, including the significance of understanding the 4% rule, tax implications, and managing risk effectively. Marty shares practical tips for building a retirement strategy that ensures a comfortable and secure financial future. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Send us a text“Time is what we want most but what we use worst.” — William PennEach passing year changes and shortens my horizon, just like it does yours.And that changes how one approaches life. Does one buy a new house at age 73 and consider a 30-year mortgage? Or does someone engage in the opposite behavior, refraining from buying green bananas?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

What if your retirement plan were as strategic as a championship playbook? Former basketball coach Rick Hughes and his son Granger team up to tackle the evolving landscape of retirement. From Roth conversions during market dips to creating reliable income streams, they break down complex financial strategies into clear, actionable insights. With volatility, taxes, and longevity in play, this episode helps you rethink how to build a retirement plan that works, no matter the market’s mood. It’s not about selling products—it’s about educating you to make confident, informed decisions for your future. Whether you’re five years out or already retired, this episode is your reminder: Retirement isn’t the end—it’s your next beginning. Don’t leave it to chance! Get to know the Hughes team and schedule a time to speak with them or see the upcoming events at https://hughesretirementgroup.com/ See omnystudio.com/listener for privacy information.

In this episode, Kelley Slaught discusses various strategies to optimize 401k plans, including tax-saving techniques and the benefits of annuities. She emphasizes the importance of understanding the nuances of retirement planning, including tax implications and the role of annuities in providing guaranteed income. The conversation also highlights common misconceptions about annuities and the need for professional guidance in selecting the right financial products for individual needs. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the importance of financial recovery and resilience after making mistakes with money. He emphasizes the need for strategic planning in retirement, focusing on income security, maximizing Social Security benefits, and preparing for healthcare expenses. The discussion highlights the significance of creating a personal pension plan to ensure a comfortable retirement, while also addressing the emotional aspects of financial decision-making. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Send us a text“If it's your job to eat a frog, it's best to do it first thing in the morning. And if it's your job to eat two frogs, it's best to eat the biggest one first.” - Mark TwainIf you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

What if your retirement plan is missing the one thing that could secure your future? In this episode of The Retirement Playbook, Granger Hughes breaks down the shifting realities of retirement planning—from rising national debt and tax uncertainty to the future of Social Security. With decades of coaching experience, Rick brings his playbook to the financial field, helping listeners navigate Roth conversions, income strategies, and market volatility. Whether you're five years from retirement or already there, this episode offers a grounded, educational look at how to build income for life—and lifestyle. Get to know the Hughes team and schedule a time to speak with them or see the upcoming events at https://hughesretirementgroup.com/ See omnystudio.com/listener for privacy information.

In this episode of Kelley's Bull Market News, Kelley Slaught discusses the importance of maintaining a comprehensive financial plan, which includes not only investments but also risk management, estate planning, and income strategies for retirement. She emphasizes the need for personalized plans that address individual circumstances, particularly in light of increasing longevity and the complexities of modern financial markets. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the complexities of retirement spending, emphasizing that spending patterns change significantly throughout retirement. He highlights the importance of budgeting for the 'go-go years' when retirees often spend more on travel and leisure, the 'slow-go years' where spending may decrease, and the 'no-go years' where health care costs become a major concern. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Send us a textIn our media-driven world, perception is a powerful emotion. The type and style of clothing worn are common tools that media influencers use to enhance perception. The style and type of clothing a person wears send a powerful message.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Kelley discusses essential strategies for retirement planning amidst market volatility. She emphasizes the importance of creating solid income streams, preparing for long-term care costs, and utilizing Roth conversions to optimize tax benefits. The conversation also covers innovative funding solutions for long-term care and the significance of a balanced investment strategy. Listeners are provided with a comprehensive checklist to ensure they are financially ready for retirement, highlighting the need for personalized planning and diversification. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the various financial surprises that retirees may encounter, including fluctuating expenses, the impact of healthcare costs, and the importance of proactive planning. He emphasizes the need for a comprehensive understanding of retirement expenses, including hidden costs and the role of inflation. The discussion also covers lifestyle changes in retirement, spousal strategies for aligning goals, and the complexities of Social Security and healthcare planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Send us a textI've always been busy, juggling multiple projects simultaneously and completing projects efficiently. Because each day was fully scheduled, I used time as effectively as possible. When I quit working full-time, this changed! If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this conversation, Marty discusses various aspects of retirement planning, focusing on building a durable income stream through annuities, tax strategies to minimize tax burdens, and managing required minimum distributions (RMDs) effectively. He emphasizes the importance of understanding individual financial needs and the evolving nature of financial products available for retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kelley covers the significant changes in retirement planning over the past two decades, emphasizing the need for personalized financial strategies. She highlights the importance of creating income streams for retirement, understanding the limitations of Medicare, and the necessity of planning for a longer life expectancy. The discussion also covers various strategies for maximizing retirement income, including the benefits of employer matching contributions and the importance of starting to save early. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Hidden Costs of Retirement Podcast by Jackson & Peck Financial Group Podcast

JIn this podcast, Aon's Jennifer Michel and John Harney are joined by colleagues Jo Sharples and Louise Wheeler to discuss and celebrate ten years of DC investment innovation and success. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Read a profile on Jo Sharples, Chief Investment Officer for Aon's DC Solutions: https://corporate-adviser.com/jo-sharples-profile-happy-returns-for-aon/ Learn more about Aon's DC Solutions default investment strategy: https://www.aon.com/betterbydefault Listen to our podcast special on the Government's response to the DB Options consultation: https://soundcloud.com/user-508804918/special-episode-june-2025-the-uk-governments-response-to-the-consultation-on-options-for-db-schemes Register for our upcoming webinar on 19 June: https://contact.aon.com/Pension_Scheme_Bill_2025_Email Listen to the Aon Investment Podcast: https://soundcloud.com/user-508804918/investing-in-the-zone Email us your topic suggestions, comments and questions to TalkToUs@aon.com

Send us a textPicking a big winner while investing is a basic universal desire of virtually every investor. Most investors hope to invest in a Penny Stock that will eventually return millions of dollars in profits. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textWhen faced with big or small spending decisions, there can be numerous negative positions that provide the basis to withhold spending. These constant negative reasons can become formidable obstacles that diminish retirement spending and enjoyment.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textTen months is not a long time to move and renovate a home. I can't say that the time has flown by, as each day is filled with thinking about, planning, paying for, or doing home improvement projects.But, it's been ten months and now it's time for the "Big Sigh" that comes with the completion of a major project.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

You've been jamming money into your retirement accounts for years now. When is it okay to slow down? Joe Anderson, CFP®® and Big Al Clopine, CPA spitball for Ron and Veronica in Indiana today on Your Money, Your Wealth® podcast 528. Plus, how can Scott in Illinois bridge the gap from age 55 to retirement income at 57? How should Big Juan in Texas pay for college? Should he convert his TSP to Roth? Can he retire at 55 And finally, Frank and Jane Drebin in Wisconsin are 46 and 47 and wondering if their plan for retirement in 5 years is just a pipe dream. Free financial resources & episode transcript: https://bit.ly/ymyw-528 DOWNLOAD The Retirement Readiness Guide for free WATCH What Happens to Your 401(k) & IRA at Retirement? On YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:13 - Can I Take My Foot Off the Gas on Saving for Retirement? (Ron and Veronica, IN) 09:48 - Watch What Happens to Your 401(k) & IRA at Retirement? On YMYW TV and Download The Retirement Readiness Guide 10:43 - How to Bridge the Gap from Age 55 to Retirement Income at 57? (Scott, IL) 20:04 - How to Fund College? TSP to Roth Conversions? Retirement at 55? (Big Juan, TX) 24:45 - Calculate Your Free Financial Blueprint 25:45 - We're 46 and 47, Is Our Retirement Plan a Pipe Dream? (Frank and Jane Drebin, WI) 32:26 - Next Week on the YMYW Podcast

Send us a textIf you are still actively working at a job or profession, you have not experienced the joy of not having to go to work every day. Most people look forward to the day when they no longer have to work full-time.The ability to quit your job doesn't mean you should stop working. An old axiom states: “Quit your job, but never quit working!”If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

May 2025 – Responsible Investment in 2025 & beyond In this podcast Aon's Jennifer Michel and John Harney are joined by Laasya Shekaran from Pensions for Purpose to discuss Responsible Investment in 2025 and beyond. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Further information: Read the IFOA pensions freedoms survey: https://actuaries.org.uk/media-release/ten-years-on-from-pensions-freedoms-many-savers-still-not-accessing-advice/ Register for our upcoming Member Options and Support Webinar: https://contact.aon.com/OutlookforMemberOptions_Invite Watch our bitesize video on what the latest tariffs could mean for markets and investors: https://players.brightcove.net/1509269527/default_default/index.html?videoId=6371785968112 Find out more about Pensions for Purpose here: https://www.pensionsforpurpose.com/ Take part in Aon's 2025 UK Global Pension Risk Survey: https://sg.aon.nl/s3/2025-Aon-Global-Pension-Risk-Survey-UK?utm_campaign=EM_UK_WEA_SE_25O4_8711745975_UK_GLOBAL_PENSION_RISK_SURVEY_2025_invite_INTERNAL&utm_medium=email&utm_source=Eloqua Email us your topic suggestions, comments and questions to TalkToUs@aon.com

Send us a textJoin Kevin Lyles, CRPC™ and I for a long form discussion about strategies to simplify your life in Retirement. Both financial and non-financial topics about life simplification are discussed.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

In this uplifting and thought-provoking episode, I sit down with Patrice Jenkins, author of What Will I Do All Day?, to explore the real heart of retirement beyond financial plans. Together, we dig into why retirement is not simply about staying busy, but about rediscovering meaning, purpose, identity, and joy. Patrice shares insights from her decades of counseling and interviews with retirees, offering a compassionate, practical guide to navigating the messy, magical transition into post-career life. What You Will Learn Why financial readiness alone doesn't guarantee a happy retirement. The emotional stages of transitioning into retirement and why patience is crucial. How to rediscover passions, build social portfolios, and embrace “space.” Why successful retirements often include a form of meaningful "work." How to avoid the trap of being "busy but unfulfilled." Simple frameworks to plan your next two years, not just your next thirty. Key Topics Discussed The difference between hiding out and holding out when nearing retirement. The importance of purpose, agency, and intention in retirement planning. Why internal validation matters more than external praise after leaving work. How relationships - spouses, adult children, friendships - evolve post-retirement. Embracing play, experimentation, and curiosity in later life. Strategies to transition through the inevitable “messy middle” of change. How to think differently about work as part of a fulfilling retirement. Resources Mentioned What Will I Do All Day? by Patrice Jenkins Patrice's Website — patricejenkins.com Richard Leider's The Power of Purpose  Book Mention: Die With Zero by Bill Perkins Memorable Quotes "Retirement is not about keeping busy. It's about living meaningfully and purposefully every day." — Patrice Jenkins "Work gave you structure, identity, and purpose — but your next chapter can too. It just takes intention." — Patrice Jenkins "Perhaps work kept you so busy that you forgot what you used to love. It's time to remember." — Patrice Jenkins "You don't have to figure out your whole retirement — just the next two years." — Dan A Takeaway Exercise The 'What Lit You Up?' Reflection Grab a pen and a notebook. Reflect and jot down: What activities made you lose track of time when you were 10 years old? What hobbies or interests did you abandon during your working years? What would you do with a free afternoon if no one was watching? Circle one that sparks excitement and design a small experiment to try it out in the next two weeks! A Final Thought Retirement isn't the end of the story, it's the beginning of a new one. The key isn't to stay busy; it's to stay true. Stay curious. Stay purposeful. Whether you're months away from retirement or years in, there's always an opportunity to dream, to experiment, and to build a life you're excited to wake up to. Stay Connected If you enjoyed this episode, please: Subscribe to The Humans vs Retirement Podcast wherever you listen to podcasts Leave a rating and review, it really helps! Share this episode with someone who's thinking about (or struggling with) their retirement journey. Download for free my whitepaper - The Skill of Spending Money in Retirement Follow me on LinkedIn for more insights and updates. Subscribe to my weekly newsletter - The Retirement Fix

Send us a textJoin me as I compare  my grandson's attempt at climbing a rope obstacle to life's challenges. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a text“If you want happiness for an hour, take a nap. If you want happiness for a day, go fishing. If you want happiness for a year, inherit a fortune. If you want happiness for a lifetime, help somebody.”- Chinese proverbIf you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textJoin me for the completion of the All Star #5 interview with Kevin Sebesta, CRPC™.Kevin shares his extensive knowledge and wisdom, and outlines his "Wing It" approach to Retirement spending.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textOn the income side, I did not initially realize the importance of those extra dollars generated through part-time work. The basic concept is that each dollar earned equals $25 less needed in savings. This formula is derived using the 4% rule in reverse.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textIn reality, being overfunded considers two very diverse concepts:                                                 *Having more money than needed for normal living expenses.                                                        *Spending fewer dollars than are available.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textJoin me as I interview Kevin Sebesta, CRPC™. Besides being one of the youngest retirees I know, Kevin is also one of the most unique. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

If you are traveling internationally, you have to know the rules about what you bring home. That story brought us to discussing the unknown rules we all need to know about retirement. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

Send us a textLogical Fallacies occur many ways. They are sometimes used against investors, and can cost investors lost time and money.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textRetirement Coach Kevin Lyles joins me in a long form discussion about Retirement Spending where Kevin and I duke it out about the pros and cons of his Safety First approach vs my Total Return approach.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Send us a textThe four most dangerous words in investing are: “This time it's different” -Sir John Templeton           “There is nothing new except what is forgotten.” -Rose Bertin                                                                                                                                                                      Will this time be different?  If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

Today on Your Money, Your Wealth® podcast 513 with Joe Anderson, CFP®, and Big Al Clopine, CPA, YMYW listeners in their 40s are ready to call it quits at work, become financially independent, and retire early. Can they afford to do it? Peter and Joanna want to retire in the next two years. "Burned Out and Ready to Retire" wants out of his toxic office. If Maryland Chicken Man never earns another dollar, how much can he withdraw from his retirement accounts each year? Plus, Suzanne in Massachusetts is 69 and needs $60K annually for 30 years. Is she all right? Access free financial resources and the episode transcript: https://bit.ly/ymyw-513 DOWNLOAD the 2025 Key Financial Data Guide for free WATCH 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 01:09 - We're 45 and 44. Can We Retire in the Next 2 Years? (Peter & Joanna, NJ) 10:24 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your Free Financial Blueprint 11:23 - I'm 42 and I Work in a Toxic Office. Can I Afford to Retire? (Burned Out and Ready to Retire, NJ) 21:53 - Download the 2025 Key Financial Data Guide for free 22:32 - I'm 69 and Need $60k/Year for the Next 30 Years. Am I All Right? (Suzanne, MA) 25:19 - I'm 45. If I Never Earn Another Dollar How Much Can I Withdraw Every Year? (Maryland Chicken Man) 34:54 - Outro: Next Week on the YMYW Podcast

YMYW friends, welcome to 2025. Today on Your Money, Your Wealth® podcast number 511, we're revisiting your favorite topics of 2024 as Joe Anderson, CFP® and Big Al Clopine, CPA spitball on strategies for building up tax-free retirement income in Roth accounts, determining your appropriate mix of taxable, tax-deferred, and tax-free savings (also known as tax diversification), and whether YMYW viewers and listeners can retire as soon as possible. Access free financial resources and the episode transcript: https://bit.ly/ymyw-511 DOWNLOAD the 2024 Key Financial Data Guide for free CALCULATE your Free Financial Blueprint SCHEDULE your Free Financial Assessment ASK Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter LISTEN to the Best of the YMYW Podcast 2021,  2022,  2023 LISTEN to the Top Funniest Moments from the YMYW Podcast Vol. 1, Vol. 2 Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:59 - Can We Afford to Spend $120k/Year Inflation Adjusted in Retirement? (Joe & Angelina Jolie, Strawberry Plains, TN) From ep. 503: YMYW Most Plays in 2024 on Apple Podcasts, YMYW Most Streamed in 2024 on Spotify 08:14 - Can I Contribute to My Wife's Roth IRA? Can I Max Out Multiple Roth Accounts? Should We Do Roth Conversions? (Theodore & Louise, Seattle, WA) From ep. 504: YMYW Most Consumed in 2024 on Apple Podcasts, YMYW Most New Subscribers in 2024 on YouTube 15:21 - Download the 2024 Key Financial Data Guide for free. Subscribe to the YMYW podcast, the YouTube channel, and the YMYW newsletter, and get the 2025 guide as soon as it's released! 16:46 - We Want to Retire As Soon as Humanly Possible. Brokerage vs. Solo 401(k) for Surplus Funds? (Ricochet J, CO) From ep. 505: YMYW Most Engaged Listeners in 2024 on Apple Podcasts, YMYW Most Listeners in 2024 on Spotify 31:05 - How Much Money Do We Need to Retire ASAP? (Barney and Betty, NE New Jersey) From ep. 493: YMYW Most Engaged Listeners in 2024 on Amazon Music 44:20 - Calculate your Financial Blueprint, Schedule a Financial Assessment 45:39 - Ed Slott: How Much Money Can You Save in Taxes With Good Tax Planning? What About People Who Don't Have the Money to Pay the Tax on a Roth Conversion? From ep. 489: YMYW Most Views & Watch Time in 2024 on YouTube 51:51 - Tax Diversification General Guidelines? (Brian, Naperville, IL) From ep. 468: YMYW Most Downloaded Across All Podcast Platforms in 2024 57:33 - Andi's Favorite Derail of 2024: Clark & Ellen Griswold, Tuktoyaktuk reading Derail from ep. 498 1:01:07 - Outro: 2024 YMYW Podcast Stats

When should Richie and Heather and Rebecca and Sam collect their Social Security benefits? Why is Dan's benefit so much higher than his wife's? PWare has a Roth conversion case for claiming Social Security AFTER age 70, and Jerry wonders how Donald Trump's plan to stop taxing Social Security could impact claiming strategies. Plus, Joe rants about Rebecca and Sam's $1 million single premium deferred indexed annuity, and the fellas also spitball on their Roth conversion and retirement strategy and how much is too much when it comes to paying advisor fees. Access free financial resources and the episode transcript: https://bit.ly/ymyw-509   DOWNLOAD the Social Security Handbook CALCULATE your free Financial Blueprint online SCHEDULE your free Financial Assessment with an experienced professional Ask Joe & Big Al for your Retirement Spitball Analysis SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 01:00 - When Should We Take Social Security? Should We Convert Our IRAs to Roth? (Richie & Heather, ID - voice) 09:04 - Download the Social Security Handbook 10:01 - What Should I Do With a $1M Single Premium Deferred Indexed Annuity? When Should We Take Social Security? Is 2% Advisor Fee Excessive? (Rebecca and Sam, VA) 28:03 - Calculate your Financial Blueprint online, Schedule an Assessment with a financial professional 29:25 - Why Is My Spouse's Social Security Benefit So Much Lower Than Mine? (Dan) 30:51 - The Roth Conversion Case for Drawing Social Security After Age 70 (P Ware, YouTube) 36:55 - Would Tax-Free Social Security Income Impact Claiming Strategies? (Jerry, Phoenix, AZ) 42:08 - Outro: Next Week on the YMYW Podcast