Podcasts about retirement podcast

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

Kelley discusses the importance of holistic retirement planning, emphasizing that it encompasses more than just financial assets. She explains the differences between traditional and holistic planning, the role of technology, and various tax strategies that can enhance retirement outcomes. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses effective strategies for retirement planning, emphasizing the importance of building multiple income streams, consolidating retirement accounts, and identifying potential red flags in retirement planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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

Kelley discusses essential strategies for retirees to navigate the current economic landscape. She emphasizes the importance of revisiting retirement income plans, understanding market volatility, and creating a needs versus wants budget. Kelley also highlights the significance of rebalancing portfolios and the benefits of dollar cost averaging. Throughout the conversation, she addresses common concerns about long-term care and the psychological aspects of retirement planning, encouraging listeners to stay calm and focused on their financial goals. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses various economic indicators that may signal a recession, both conventional and unconventional. He emphasizes the importance of understanding these indicators to make informed financial decisions. The discussion also covers the significance of diversifying income streams, maintaining emergency funds, and avoiding common retirement planning mistakes. Marty highlights the necessity of strategic tax planning and the importance of long-term retirement strategies tailored to individual needs. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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

Kelley addresses the pressing financial concerns facing individuals today, particularly those approaching retirement. The conversation covers strategies for navigating market volatility, the importance of diversification, and proactive tax planning. Kelley emphasizes the need for a comprehensive financial plan to mitigate risks associated with economic uncertainty and offers insights on how to identify trustworthy financial advisors. The episode aims to empower listeners with actionable strategies to secure their financial future. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty covers financial planning strategies for uncertain economic times, emphasizing the importance of preparation and mindset. The discussion also covers inflation's impact on retirement and the balance between cash management and investment strategies. Marty discusses the importance of wise investing for retirement, emphasizing the need to protect savings and avoid unnecessary risks. He highlights the unique financial challenges women face, including the wage gap and longevity issues, and offers strategies to overcome these obstacles. The discussion also touches on the significance of having a solid financial plan, the role of risk aversion in investment strategies, and concludes with light-hearted mom-isms that provide timeless financial wisdom. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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

Kelley stresses the importance of maintaining a steady investment strategy amidst market volatility. She emphasizes the need for sustainable withdrawal plans in retirement, the dangers of high-risk investments, and the significance of tax-efficient strategies. Kelley also highlights the importance of healthcare and long-term care planning, and the role of annuities in providing guaranteed income. The conversation wraps up with a focus on common investment blunders and how to avoid them, ensuring listeners are well-informed and prepared for their financial futures. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty covers common misconceptions about retirement planning, emphasizing the importance of realistic assumptions. He highlights the risks associated with relying on market performance, inflation, and the expectation of inheritance. Marty stresses the need for a comprehensive retirement plan that accounts for potential life changes and economic fluctuations. He also explores opportunities that arise in volatile markets, such as tax loss harvesting and strategic buying, while advocating for guaranteed income strategies to ensure financial security in retirement. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutions.com See omnystudio.com/listener for privacy information.

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

April 2025 – Demographic trends 5 years after the first COVID lockdown In this podcast, Aon's Jennifer Michel and John Harney are joined by Matthew Fletcher from Aon's Demographic Horizon's team to discuss demographic trends 5 years on from the first COVID lockdown. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Listen to the Aon Investment Podcast: Stream Investing in the Zone by Pensions Podcast Series | Listen online for free on SoundCloud Email us your topic suggestions, comments and questions to TalkToUs@aon.com

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

March 2025 – OCIO, what is it? In this podcast, Aon's Jennifer Michel is joined by colleague and Jennifer O'Neill to discuss OCIO and explain what exactly it is. You will also hear the key pension news from the last month summarised by Jennifer Michel and John Harney. Register to attend our Pensions Conference Series: https://www.aon.com/pension-conference?utm_source=linkedin&utm_medium=org-post&utm_campaign=b_0_we__all_wlt_uk-dppr_uk_gb&utm_content=d__be&utm_term=pensions-conference-2025_org-171224 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 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

Send us a text“Retirement is a blank sheet of paper. It is a chance to redesign your life into something new and different.” -Patrick Foley. Ten years ago, at age 62, I sold my dental practice and moved to a different location within the same state. What fueled my decision?  Six months ago, my wife and I relocated to a different home within the same city. Why?                      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 textThis podcast provides the opportunity to reevaluate  thoughts about ENOUGH and personal happiness. Money doesn't buy happiness. Everyone needs a certain amount of income for basic needs, and a little extra for fun things, but additional income does not appreciably increase happiness.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“Sex doesn't disappear, it just changes forms.” -Erica Jong. Retirement is usually associated with quitting the work or profession you've engaged in for most of your life. Retirement doesn't mean that you retire from relationships and intimacy.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 Dave Steward, a retirement All Star in all aspects. Dave talks about his early retirement at age 53, and what's occurred since his retirement approximately six years ago.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

Send us a text“Knowledge is knowing that a tomato is a fruit. Wisdom is knowing not to put it in a fruit salad.” – Unknown  Faced with declining abilities, many people attempt to unsuccessfully continue using Fluid Intelligence instead of embracing Crystallized Intelligence. They become the whining dog!               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

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

John in Pennsylvania doesn't have bonds in his investment portfolio. Should he add them, and if so, where? That's today on Your Money, Your Wealth® podcast number 508 with Joe Anderson, CFP® and Big Al Clopine, CPA. The fellas also spitball on retirement plans for James in Tierrasanta, California, who has $4 million plus annuities, Esther in the San Francisco Bay Area, who has nearly $12M net worth, and Tiger and Lioness, who wonder about a safe level of lifestyle creep. Also, Charlie in Castlerock, Colorado has an “exciting” new question on how to balance collecting Social Security with making withdrawals from his pre-tax retirement account for living expenses. And a Worrywart Mom in Seattle asks whether her 27-year-old daughter should focus on paying off her student loans or saving for the future. Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-508 DOWNLOAD the Retirement Income Strategies Guide DOWNLOAD the Social Security Handbook DOWNLOAD the Retirement Readiness Guide WATCH Retirement Sabotage! on YMYW TV REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SCHEDULE: free financial assessment 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 00:58 - Where Should We Add Bonds in Our Investment Portfolio? (John, PA) 06:58 - Does Our Retirement Spending Plan Work? What's a Safe Level of Lifestyle Creep? (Tiger & Lioness) 13:39 - Download the Retirement Income Strategies Guide for free 14:24 - Collecting Social Security vs. Living Off of Pre-Tax Retirement Withdrawals (Charlie, Castlerock, CO) 21:52 - Download the Social Security Handbook for free 22:27 - Should 27 Year Old Pay Off Student Loan or Save for the Future? (Worrywart Mom, Seattle, WA) 27:01 - I Have $11.8M Net Worth and Want to Retire in 2 Years. Can I Pull This Off? (Esther, SF Bay Area) 32:41 - Watch Retirement Sabotage: 12 Post-Retirement Money Mistakes to Avoid on YMYW TV, download the Retirement Readiness Guide for free 33:40 - We Have $4M + Annuities and Want $180K/Year in Retirement. What Do You Think? (James, Tierrasanta, CA) 39:42 - Outro: Next Week on the YMYW Podcast

Can Ted and Georgette convert $1.6M in an inherited trust to Roth without distributing it? Should the trust own their home so they can use the home equity? Melissa was added as joint owner on her parents' bank accounts after a medical event, but what have they done? Should Ralph and Alice use the required minimum distribution from their inherited IRA to pay Roth conversion taxes? That's today on Your Money, Your Wealth® podcast 504 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, can Theodore contribute to a his wife Louise's Roth IRA? Can Marc make Roth contributions for his grandkids? Also, Joe and Al come up with a very unique way that John may be able to pay the tax on his Roth conversion using his home equity.  Access all the free financial resources and the episode transcript: https://bit.ly/ymyw-504 DOWNLOAD by Friday: Top 10 Tax Tips Guide - limited time special offer! WATCH 10 Tax-Cutting Moves to Make Now - YMYW TV DOWNLOAD: Identity Theft Guide WATCH: How to Protect Yourself from Scams: Cybersecurity webinar on demand REQUEST: Ask Joe & Big Al for your Retirement Spitball Analysis SCHEDULE: free financial assessment SUBSCRIBE: YMYW on YouTube DOWNLOAD: more free guides READ: financial blogs WATCH: educational videos SUBSCRIBE: YMYW Newsletter Timestamps: 00:00 - Intro 01:00 - Can We Convert an Inherited Trust to Roth Without Distributing It? Should the Trust Own Our Home? (Ted & Georgette Baxter, Madison, WI) 10:02 - Watch 10 Tax-Cutting Moves to Make Now on YMYW TV, Download the Top 10 Tax Tips Guide before this Friday! 11:08 - I'm Joint Owner of My Parents' Bank Accounts. What Have We Done? (Melissa, Rockport, TX) 16:35 - 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) 23:43 - Should We Use Inherited IRA RMD to Pay Roth Conversion Tax? (Ralph & Alice Kramden, SC) 27:35 - Can I Fund Roth IRAs for My Grandchildren? (Marc, Encinitas) 28:40 - Watch the Cybersecurity Webinar on demand, Download the Identity Theft Guide 29:32 - Should We Maximize the 24% Tax Bracket With Roth Conversions This Year and Next? (John) 37:55 - Outro: Next Week on the YMYW Podcast