Podcasts about retirement savings

Welcome back to the Know Your Numbers REI podcast! In this episode, host Chris McCormack dives into the second costly mistake people make regarding their taxes: treating a brokerage account like a retirement plan.Join us as we explore the implications of investing in brokerage and cryptocurrency accounts without considering the tax consequences. Chris shares personal experiences and insights from clients to highlight the importance of understanding how taxes can impact your investment returns.Learn about more tax-friendly alternatives, such as Roth IRAs and cash value life insurance, that can help you maximize your savings and minimize your tax burden. Discover how proper planning can lead to greater peace of mind and financial security in retirement.If you find this episode valuable, please share it with friends and leave us a five-star rating and review! Don't forget to follow our Spotify and Apple podcast channel for more weekly content.Stay tuned for next week's episode, where we'll continue our discussion on the seven costly tax mistakes, focusing on real estate-specific strategies.God bless you and keep moving forward!••••••••••••••••••••••••••••••••••••••••••••➤➤➤ To become a client, schedule a call with our team➤➤ https://www.betterbooksaccounting.co/contact••••••••••••••••••••••••••••••••••••••••••••Connect with Chris McCormack on Social MediaFacebook: https://www.facebook.com/chrismccormackcpaLinkedIn: https://www.linkedin.com/in/chrismccormackcpaInstagram: https://www.instagram.com/chrismccormackcpaJoin our Facebook Group: https://www.facebook.com/groups/6384369318328034→ → → SUBSCRIBE TO BETTER BOOKS' YOUTUBE CHANNEL NOW ← ← ← https://www.youtube.com/@chrismccormackcpaThe Know Your Numbers REI podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests.

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna offers insights from experts on what rate of withdrawal makes sense based on current and projected cost of living, and the importance of building flexibility into your retirement plan. Also on MoneyTalk, how a surprising new type of scam is turning the model for retail fraud on its head, and when to consider taking social security early. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/25/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

You've heard Joe and Big Al talk about the benefits of tax diversification in retirement. That is, having money in tax-deferred, tax-free, and taxable accounts. But what should you do if this tax triangle of yours is lopsided? Joe and our special guest co-host, Marc Horner, CFP®, spitball on this quandary for Rae and Roy in Central California, today on Your Money, Your Wealth® podcast number 544. Plus, do Rae or Roy need to get a part-time job? Also, "Elwood Blues" in Illinois would like to retire in two years, but is willing to go for 3 more to make his retirement plan work. Joe and Marc spitball on when "Elwood" can really put down that harmonica. Free financial resources & episode transcript: https://bit.ly/ymyw-544 Complete the 8th Annual YMYW Podcast Survey by 5pm Pacific on August 31, 2025, for your chance at a $100 Amazon e-gift card! (secret password: ymyw) WATCH 15 Maneuvers to Duck an Unplanned Early Retirement Knockout on YMYW TV CALCULATE your free Financial Blueprint ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 with Joe Anderson, CFP® and Marc Horner, CFP® 00:49 - Our Tax Triangle is Lopsided. Should One of Us Get a Part-Time Job? (Rae and Roy, Central CA) 12:03 - Watch 15 Maneuvers to Duck an Unplanned Early Retirement Knockout, Calculate your Financial Blueprint, Schedule a Financial Assessment 13:11 - I'd Like to Retire in 2 Years. Willing to Work 3 More to Make it Work (Elwood Blues, IL) 27:10 - Next Week on YMYW Podcast: The One Big Beautiful Bill + More 27:40 - YMYW Podcast Outro

In this episode of "Beer and Money," Ryan Burklo explores why many people feel financially stressed despite having significant retirement savings. He highlights the importance of taxable brokerage accounts in providing financial flexibility and reducing stress. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo TAKEAWAYS Many individuals feel financially constrained because their savings are tied up in retirement accounts. Taxable brokerage accounts offer liquidity and flexibility, allowing access to funds without penalties. Balancing retirement savings with liquid investments can reduce financial stress and improve quality of life. Properly structured taxable accounts can offer tax advantages through long-term capital gains. CHAPTERS 0:00 - 0:45: Ryan introduces the topic and common financial stressors. 0:46 - 1:30: Discussion on why retirement accounts alone may not suffice 1:31 - 2:45: Exploring the flexibility and advantages of taxable accounts 2:46 - 3:30: How to achieve a financial balance for reduced stress 3:31 - 4:14: Final thoughts and where to find more information  

In this episode of Creating Richer Lives, host Karl Eggerss discusses the necessity of financial planning, especially as one approaches or enters retirement. Starting with a useful tip on the retirement savings lost and found database, Karl delves into a recent consultation where a couple pondered whether they needed a financial advisor. Through a comprehensive analysis of their financial situation, Karl illustrates the various areas where professional guidance can add value, such as investment allocation, tax strategies, and long-term financial goals. He emphasizes that financial planning is a dynamic process that requires ongoing adjustments to optimize outcomes for various life stages.    01:49 Secure Act 2.0 and Retirement Savings 03:26 Do You Need a Financial Advisor? 04:57 Optimizing Your Financial Plan 10:07 The Importance of Financial Planning 13:47 Adapting to Life Changes

This week's show covers municipal bonds, rules-based investing, a hierarchy for retirement savings, and lots more!

Tax planning might be the most consequential part of your retirement plan... If you plan well, you could save yourself hundreds of thousands of dollars over your lifetime. If you don't plan at all, you could give up a huge amount of your hard earned savings.In this episode, I share 5 of the most common tax planning mistakes that I see as a retirement planner.

On this episode: How much should we follow the investment moves of people like warren Buffett? New data on what people need and spend in retirement. A retirement lesson from George Carlin. 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.

Welcome back to the Finding Financial Freedom Podcast with Dr. Disha Spath. Today, we're joined by Carl Hall CFA, a wealth advisor at CapTrust who helps individuals and families manage their financial lives and achieve their unique goals. CapTrust specializes in delivering financial planning, portfolio management, and investment advice—helping clients navigate complex decisions with confidence. In this episode, Carl dives into the often-overlooked connection between healthcare decisions, price transparency, and retirement planning. From choosing the right health plan during open enrollment to understanding how HSA's can strengthen your retirement security, Carl breaks down how your medical choices today can significantly impact your financial freedom tomorrow. Key Topics Covered: 1. Making Smart Open Enrollment Decisions Why many people miss out on the optimal health plan and how to avoid common mistakes. 2. Understanding Health Plan Costs The real impact of premiums, deductibles, and co-insurance on your finances. 3. Affording Healthcare in Retirement Strategies to prepare for medical costs later in life. 4. The Shoeboxing Approach A practical method for tracking healthcare expenses. 5. FSA vs. HSA The key differences and why HSAs can be a powerful retirement tool. 6. Changes in the DPC Ecosystem What's new and how it affects both patients and providers. 7. Healthcare Price Transparency & Retirement Security How knowing the cost of care can protect your long-term finances. 8. Aligning Provider & Patient Interests Why DPC providers should have the same goals as their patients. Listener Takeaways: How your healthcare plan choice can directly impact your retirement savings. Why HSAs are a game-changer for long-term financial health. The value of price transparency in protecting your future wealth. How to align healthcare decisions with your financial freedom goals. Resources Mentioned: CapTrust Price Transparency Tools    Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Carl Hall CFA, Wealth Adviser at CapTrust

Marty discusses the evolving landscape of retirement planning, emphasizing the need to rethink traditional strategies. He addresses common concerns such as mortgage management, determining retirement income needs, the implications of downsizing, and the impact of inflation on retirement savings. The conversation also covers healthcare costs, housing choices, and the balance between supporting grandchildren and ensuring personal financial security. Listener questions provide further insights into managing retirement funds and legacy planning. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

This week on The Economy, Stupid: the biggest superannuation scandal in Australian history — and who should have stopped it.

Pam and Jim in Phoenix are 38 and 41 and want to retire at 59 and 62. Matt and his wife in Pennsylvania are both 39 and want to retire at 57. Are these millennials on the right financial path, or have they brunched and YOLO'd away their retirement dreams? That's today on Your Money, Your Wealth® podcast number 541 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, do Roth conversions make sense for Will and Jane in New York, given their high income and high tax bracket? Which pension option is best for their circumstances? Finally, the fellas spitball for Juan's mother in Florida on how long-term capital gains on the installment sale of her company will be taxed. Free financial resources & episode transcript: https://bit.ly/ymyw-541 Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! LIMITED TIME OFFER: Download The Money Makeover Guide before this Friday, August 8, 2025! WATCH Complete Money Makeover on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment LEAVE YOUR HONEST RATINGS AND REVIEWS on Apple Podcasts SUBSCRIBE or FOLLOW on your favorite podcast app JOIN THE CONVERSATION 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 00:44 - We're Millennials. Have We Brunched and YOLO'd Away Our Retirement Dreams? (Pam & Jim, Phoenix, AZ) 12:10 - We're 39 With $840K. Can We Retire at Age 57? (Matt, PA) 22:57 - Complete the 8th Annual YMYW Podcast Survey for your chance at a $100 Amazon e-gift card! 23:53 - Do Roth Conversions Make Sense Given Our High Income and Tax Bracket? What Pension Option is Best? (Will and Jane, NY - voice) 37:04 - Watch Complete Money Makeover on YMYW TV, Download the Complete Money Makeover Guide before Friday, August 8, 2025! 37:46 - How Will Long Term Capital Gains on the Installment Sale of My Company Be Taxed? (Juan's Mother, FL) 47:50 - YMYW Podcast Outro  

In this conversation, Abe and Ethan discuss the latest updates in retirement planning, focusing on tax changes and their implications for Roth conversions. They explore the performance of major tech stocks, known as the Magnificent Seven, and the potential risks associated with a tech-heavy portfolio. The discussion also highlights the importance of evolving retirement strategies to avoid common pitfalls, using historical business blunders as a cautionary tale. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

Target Date Funds (TDFs) might seem like a simple solution for your 401(k), but are they really working for you? In this episode, Brandon Bowen breaks down the pros and cons of TDFs, why they may be too “vanilla” for your retirement goals, and how a personalized portfolio review can uncover hidden fees, overlap, and missed opportunities. If you’re relying on a set-it-and-forget-it strategy, it might be time to rethink your approach. 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.

Gen X's Biggest Money Regrets—And How to Fix ThemDr. Preston Cherry opens up about the top financial regrets Gen X faces—from late retirement saving to piling on debt. The good news? It's not too late to turn things around.In this eye-opening conversation, Dr. Cherry shares how Gen Xers can shift from regret to resilience with simple mindset changes and a values-based wealth plan. Whether it's saving more, cutting debt, or protecting your legacy—small steps today can lead to big changes tomorrow.Takeaways:• Start saving early• Tackle your debt• Plan for you, not just kids• Protect your legacy• Get expert help00:00 Intro00:41 Understanding Gen X's Financial Regrets02:09 The 4R Framework04:38 Final ThoughtsGet The Wealth Word — our free weekly newsletter on wealth and well-being: https://wealth.concurrentfp.com/thewealthwordExplore award-winning wealth advisory services: https://www.concurrentfp.com/Read Wealth In The Key of Life by Dr. Preston Cherry: https://drprestoncherry.com/book/Disclosure: Educational content only. Not financial advice. https://www.concurrentfp.com/disclosures/

Planning for retirement can feel overwhelming, especially when you're in your 40s and 50s. This stage of life often comes with competing financial demands—raising kids, caring for aging parents, and maintaining a household. However, it's also a crucial time to focus on your financial future. By making strategic choices now, you can set yourself up for a comfortable retirement while alleviating many long-term worries. In this episode we explore some actionable steps to take control of your financial planning and make the most of your resources. We believe one smart move in particular will bring the most peace of mind during this season. Listen to find out what that one is...       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

In this podcast, Abe discusses modern retirement solutions, emphasizing the importance of planning and staying engaged during retirement. Insights from former NFL quarterback Warren Moon highlight the value of exploring different activities and income streams before fully retiring. The discussion also covers the evolving nature of retirement, with many individuals opting for part-time work or side hustles. Additionally, the conversation addresses key retirement risks and the necessity of having stable income sources to ensure a secure and fulfilling retirement. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

What’s the cost of waiting to plan for retirement? In this episode of Success in the New Retirement, Damon Roberts and Matt Deaton tackle the hesitation many feel about working with a financial advisor—and why that delay could cost you options and income. They break down the importance of fiduciary standards, hidden fees, and how to vet your advisor like you vet your favorite restaurant. If you’re in your 50s or beyond, this episode is your playbook for transitioning from growth to protection—and retiring with confidence. For more information or to schedule a consultation, call 480-680-6868 or visit www.successinthenewretirement.com! Follow us on social media: Facebook | LinkedInSee omnystudio.com/listener for privacy information.

When you come in for your Portfolio X-Ray, we’ll dive into the risk you are taking, your performance, your tax liability, and more. But today we discuss what might be the most eye-opening moment of our analysis. Like this episode? Hit that Follow button and never miss an episode!

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Some of us might forget $20 in a coat pocket, but what about thousands of dollars in pension payments? It happens more often than you might think. We'll explain why Canadians lose track of their own retirement savings and how to reclaim them.

On this episode, K.C. breaks down what it really means to retire with a pension. While guaranteed income sounds great, he highlights the often-overlooked downsides—like inflation risk, limited control, and the danger of not saving enough on your own. The Henssler Money Talks hosts also explain why even pensioned workers should consider saving independently to build flexibility and long-term security.Original Air Date: July 12, 2025Read the Article: https://www.henssler.com/why-more-control-over-retirement-might-be-better-than-a-guarantee   

Ryan Herbert and Lawrence Kiely dive into the 50th anniversary of Jaws—and use it as a metaphor for the hidden dangers lurking in retirement accounts. From Required Minimum Distributions (RMDs) to Roth conversions, they break down how tax planning can be the “bigger boat” you need to stay afloat in retirement. Learn how a proactive tax strategy could potentially save you hundreds of thousands—even millions—over your lifetime. Want to begin building your retirement and tax plan? Schedule a call with us here:

Mariah Carey may not believe in birthdays, but the IRS sure does. In this episode, Mike Douglas breaks down the five key ages that shape your retirement tax strategy—and why ignoring them could cost you. From catch-up contributions at 50 to required distributions at 73, Mike explains how each milestone opens (or closes) a window of opportunity. Whether you're planning withdrawals, considering Roth conversions, or just trying to avoid tax traps, this episode helps you untangle the complex web of retirement tax rules with clarity and confidence. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

On this episode: TINA is back! People believe There Is No Alternative to the stock market. Are they correct? You may not spend too much or run out of money in retirement. But you may make this easy mistake. 4 trillion dollars are sitting in these 401(k) accounts, and they may not be doing what they promised. Like this episode? Hit that Follow button and never miss an episode!

The Moneywise Radio Show and Podcast Thursday, July 10th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management Guests: BPD Lt. Nicole Anderberg & Jamie Achterberg , Assistant to the City Manager website: www.bakersfieldcity.us/1184/Community-Vitality phone: 661-326-3737

Are you speeding toward retirement without checking your risk? In this episode, Brandon Bowen shares a cautionary tale of a couple who lost half their portfolio just as they were ready to buy a home in retirement. He explains why de-risking your investments before retirement is critical—and how to know if you're going too fast. From market volatility to forced layoffs, Brandon outlines the signs that it’s time to slow down and protect your nest egg before it’s too late. 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.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! In this episode of America's Retirement Headquarters, we expose the hidden traps that could derail your retirement dreams. From overlooked tax strategies to the real cost of voluntary taxation, we break down what you need to know—now. Learn how media noise can sabotage your financial future and why proactive tax planning isn’t optional—it’s essential. If you're nearing retirement or just starting to plan, this episode delivers critical insights, expert guidance, and actionable steps to protect your income and outsmart the system. Don’t wait until it’s too late—your retirement security depends on it. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

Worried about your retirement savings losing value during market crashes or inflation? Gold has historically maintained its purchasing power during economic uncertainty, and combining it with a Roth IRA could provide tax-free growth. Learn more at: https://augoldira.com/gold-roth-ira-account-gold-ira-rollover-holding-gold-in-roth-ira-gold-ira/ AuGold IRA City: Cushing Address: 2340 East Main Street Website: https://augoldira.com

In this conversation, Abe discusses the multifaceted aspects of retirement planning, emphasizing the importance of not only financial stability but also personal fulfillment in retirement. He shares insights on how to approach retirement income, the implications of continuing to work, and the significance of making informed purchasing decisions during retirement. The discussion highlights the need for retirees to consider their lifestyle choices and hobbies, as well as the potential pitfalls of major purchases. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

In this episode, we sit down with Justin Wagner, AIF®, Henssler Financial's Director of Business Development, to explore the real value of offering—and participating in—a 401(k) plan. For employers, we discuss the end of traditional pensions and why the shift toward defined contribution plans like the 401(k) makes sense today. Justin explains how company contributions are tax deductible, how a strong plan can enhance your ability to attract and retain top talent, and how it can make your company more appealing by demonstrating a commitment to employees' long-term financial wellness.On the employee side, we break down how contributions can reduce taxable income, the benefits of employer matching, the advantages of tax-deferred growth, and current annual contribution limits. Plus, we address some of the most common myths and misconceptions that prevent people from fully maximizing this powerful retirement tool.Whether you're an employer considering a plan or an employee looking to make smarter retirement decisions, this episode has something for you.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty.Henssler Money Talks — July 5, 2025  |  Season 39, Episode 27Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

#ThisMorning on #BRN #Retirement #2107 | #Who #Benefits the #Most from #Retirement #Savings '#Nudges'?  | Taha Choukhmane, MIT Sloan School of Management | #Tunein: broadcastretirementnetwork.com |  #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #everyday

There was a survey out last week that broadly supported the Government's moves around KiwiSaver, as in the 3% and 3% going to 4% and 4%. But they wanted the Government to do something about the cut in contribution from the state. Small hint – if you rely on the Government for any consistency around long term projects, forget it. From the very beginning of KiwiSaver, the Government were always going to be the weak link. When it comes to big picture stuff, dedication and focus from a government is a casualty of the three year political cycle. They were never going to be our friend on retirement savings. The best advice I offer anyone, including our kids, is do it yourself. It's your life, your decision and your future, so do it yourself. To show you how hopeless we are at saving in this country, figures released last week in America showed their KiwiSaver, what they call their 401k, hit a record high at 14.3%. So while we are mucking around on 3-4% they are up to over 14%. Here is the kicker – the industry says it really should 15% if you want to be comfortable. A psychological step change is required and I'm not sure we will ever get there. Whether its employer contributions that get offered instead of more pay, or whether it's the Australian style compulsion, a lot of countries do it a lot of different ways and most of them have dealt with the age of retirement as well. We basically are stuck with 65-years-old, and angst around even a debate about changing it, and far too many people who get to retirement and are stuck with a state-funded payout that has never been good and will not serve you well, if it's all you have to live off. There is of course no reason for this to even be a problem. Lee Kuan Yew many years ago in Singapore took a third world country, told them to save, forced them to save, and now they are rich. The answers are all there. Australia has it sorted, the Norway fund is famous, and even the Americans at 14.3% seem to have it solved. We need to look and learn and then get our act together and apply a bit of basic discipline to our long-term futures that don't rely on a government. See omnystudio.com/listener for privacy information.

TINA (There is no alternative) is how people feel about the stock market. If you want growth, it’s the only game in town. But is that true? 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.

What do control, perfectionism, and money have in common? For many of us, they're deeply rooted in childhood wounds, and they're the very blocks standing between us and our manifestations.In this heartfelt Q&A episode, Lacy and Jessica respond to powerful community questions that crack open the real energetics behind love, money, motherhood, and glass ceilings. Whether you're navigating burnout, trying to call in more income, or craving peace while juggling life's many demands, this conversation offers guidance, tools, and expansion to help you move forward. You'll hear personal revelations from Lacy and Jessica about their own inner child programming around control; how it shows up in work, relationships, and even wedding planning. And they offer expansive, grounded advice to two listeners: one manifesting full-time motherhood and another trying to break through a financial glass ceiling while living paycheck to paycheck.This episode is for anyone working through the TBM Money Challenge, or anyone asking: “Why do I still feel stuck?” Because often, the block isn't what you think—it's what you've normalized. So tune in for deep permission to slow down, reassess, and come back into alignment with what's truly authentic for you. The abundance you're calling in might just require a little less effort—and a little more letting go. Stay tuned for Part 2 in a few weeks!Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE$22/monthJoin the Pathway MembershipSale ends July 20th at 11:59pm PST Join our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMNeed motivation during the Money Challenge? Join Jessica's Free IG Money Challenge Chat!Join our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are atJoin the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Seed - Use 25MAGNETIC at checkout for 25% off your first month@seed's DS-01® Daily Synbiotic Bon Charge - 15% off with code MAGNETIC Red Light Neck and Chest Mask Everyday Dose - Go to everydaydose.com/TBM and use code TBM for 45% off your first order.Get 45% off your first subscription order of 30-servings of Coffee+ or Bold+. You'll also receive a starter kit with over $100 in free gifts. In This Episode We Talk About:How perfectionism and control are rooted in childhood trauma and old patterningThe connection between love and moneyThe inner child belief: "If I let go, it will all collapse"Defining your authentic “why” for abundanceReframing beauty as spiritual and energetic nourishmentThe abundance found in nature and somatic peaceConnecting to sensory environments that regulate and groundRevisiting authentic code to reflect internal expansionNavigating motherhood, generational trauma, and money energeticsBreaking consumerist hypnosis to create true financial freedomUsing “the opposite is the medicine” for financial and personal growth Mentioned In the Episode: Channeling with Lacy - 2025 EnergeticsTake our Free Money Quiz - find out what level of wealth consciousness you are atShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode!Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Stripped DI, Embodied DI, and Inner Child DI) Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

This episode of The Power of Zero Show revolves around a recent Ray Dalio video in which he issued warnings about the U.S. debt crisis. In the clip, Dalio appears to be giving America three years to get their act together and to right the fiscal ship of state. Dalio mentions the draft of his new book that goes through the mechanics of the debt – and highlights the supply-demand problem he believes will occur if the deficit doesn't go from the current 7.2% of GDP to about 3% of GDP. Dalio touches upon what people should do when there isn't an adequate supply-demand balance. He believes that looking back at history will show you that the current problems are the results of history repeating itself. A recession isn't the one thing Dalio is afraid of… the breakdown of the monetary order is!  Host David McKnight talks about the bid other countries may have on the U.S. fiscal debt, as well as the related crisis of confidence of sorts. According to a recent Penn Wharton study, if the U.S. doesn't right their fiscal ship of state by 2040, no combination of raising taxes and/or reducing spending will arrest the financial collapse of the nation. David believes that in the next 10 to 15 years, the U.S. is likely to need huge infusions of capital to avoid a financial collapse, the likes of which we haven't seen since the Great Depression. What should you do? If you have the lion's share of your Retirement Savings, IRAs or 401(k)s, you need to act now while tax rates are historically low. Since we're on the cusp of Trump extending his tax cuts for another 8 years, it's important to know that, if you count 2025, we'll have historically-low tax rates for another 9 years. David is in favor of taking action before tax rates increase, also because he believes that, come 2034, tax rates aren't going to simply revert back to what they were in 2017. If the American fiscal ship doesn't get right on time, we could go back to seeing high tax rates that were part of the past – such as 94% in the last two years of World War II, or 89% as it was throughout the entire decade of the 70s.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ray Dalio Penn Wharton

Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he'll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she's in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth, today on Your Money, Your Wealth podcast number 535 with Joe Anderson, CFP® and Big Al Clopine, CPA. First up, a word of Roth conversion thanks from Al in Florida. Free financial resources & episode transcript: https://bit.ly/ymyw-535 DOWNLOAD The Ultimate Guide to Roth IRAs Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV RETIREMENT CALCULATION TOOLS: Financial Blueprint EASIRetirement.com (from Boldin, formerly NewRetirement)   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 Insult to a Nose (Scene from Steve Martin movie "Roxanne" - warning, language!)   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL) 03:38 - In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX) 07:57 - In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX) 12:25 - Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV. Calculate your free Financial Blueprint 13:23 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) 25:26 - YMYW Podcast Outro

On this episode of Your Retirement Radio Podcast, Kevin discusses the essential aspects of retirement planning, addressing common concerns such as whether individuals have saved enough for retirement and how to create a personalized retirement plan. He emphasizes the importance of understanding one's financial habits, planning for longevity, and ensuring a steady income stream throughout retirement. Kevin also highlights the unique approach of Madden Wealth Advisors in helping clients achieve their retirement goals through education and tailored strategies. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! What do Ticketmaster fees and your retirement account have in common? More than you think. In this episode of America’s Retirement Headquarters, Nolan Baker breaks down the hidden costs that could be quietly draining your retirement savings. From 401(k)s to annuities, we explore how even a 1% fee difference can cost you tens of thousands over time. Learn how to uncover these fees, compare them to industry benchmarks, and make smarter decisions to stretch your retirement dollars further—no matter where you live. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

What if your financial story was something you felt empowered and excited by?In this episode, Jessica sits down with Britt Baker, seasoned investor and co-founder of Dow Janes. Britt has a background in consulting and a degree from Harvard Business School, however, it wasn't until years later, when she saw many of her close friends struggling with their own finances that she realized how many women lacked the financial literacy to build wealth.In this conversation, Britt breaks down the exact steps she teaches to get out of debt, build an emergency fund, invest with confidence (even if you've never done it before), and move from financial fear into financial freedom. – basically, everything you wish you learned in school. This is more than a conversation about saving and investing—it's a holistic look at how healing your relationship with money unlocks manifestation. If you've ever felt stuck in survival mode, afraid to look at your bank account, or convinced investing “just isn't for you,” this episode is for you. Get ready to rewrite your money narrative and step into the identity of someone who is not only financially secure, but magnetic.Find the Complete Show Notes Here -> https://tobemagnetic.com/expanded-podcast Resources: SALE IS LIVE! $22/monthJoin the Pathway MembershipJoin our membership to access the TBM Money Challenge The Pathway Membership gives you unlimited access to all of our manifestation workshops—including How to Manifest, Unblocking Your Inner Child, Shadow, Love, Money, Rock Bottoms, Ruts, and Energetic Updates —plus 70+ self-hypnosis tracks designed to unlock your full potential.LEARN MORE HERE Get the latest from TBMJoin our Money Challenge - 3 weeks to your next level of abundanceTake our Free Money Quiz - find out what level of wealth consciousness you are at Join the Pathway now to get full access to our Money Challenge now! New to TBM? Free Offerings to Get You StartedLearn the Process! Expanded Podcast - How to Manifest Anything You Desire Get Expanded! The Motivation - Testimonial LibraryReady to find out what's holding you back? Try our Free Clarity Exercise Be an EXPANDER! Share Your Manifestation StorySubmit to Be a Process GuestShare your Money Manifestation Expander Story! Share a voice note of your Process to be featured in an episode! This Episode is brought to you by: Bon Charge - 15% off with code MAGNETIC Infrared PEMF MatThe BON CHARGE Infrared PEMF Mat is my absolute go-to product! I use it almost daily to ground my nervous system, drop in deeper into my meditations & help my body recover after big hikes. The highest quality and most biohacking stacked mat I've seen on the market! Use code MAGNETIC at checkout for 15% off. us.boncharge.com/MAGNETIC Sundays for Dogs - 40% off with code TBMGet 40% off your first order of Sundays. Go to sundaysfordogs.com/TBM or use code TBM at checkout. In This Episode We Talk About:Navigating unemployment and finding income portalsThe power of non-dream jobs to shift financial energyConscious and values-aligned spendingShame, money stories, and how to rewrite your financial narrativeThe truth about credit card debt and how to escape the cycleRetirement accounts demystified (Roth IRA, 401k, SEP IRA)Investing for beginners: ETFs, funds, and dollar cost averagingWhy community can be essential for financial transformationUnderstanding emotional triggers behind impulse spendingBuilding an FU fund and setting financial boundariesThe mindset shift from survivor to creatorAligning money habits with long-term manifestation goals Mentioned In the Episode: Blog Post: Stress-Free Investment Strategy: Dollar Cost AveragingTake our Free Money Quiz - find out what level of wealth consciousness you are at Find our authenticity challenge plus all our workshops and all workshops mentioned inside our Pathway Membership! (Including the Validation DI and Inner Child DI) Connect with Dow Janes!Join the Money Reset Retreat - use coupon code EXPANDED for $10 off their virtual seminar@dow.janes on IGFollow Dow Janes on Youtube Where To Find Us!@tobemagnetic (IG)@LacyannephillipsLacy Launched a Substack! - By Candlelight - Join Here@Jessicaashleygill@tobemagnetic (youtube)@expandedpodcast

Ralph and Alice in Monument, Colorado have $4.6 million dollars saved at ages 63 and 58. Should they do Roth conversions? How do they avoid IRMAA? Mary Jo in Escondido, California wonders if she should use her 403(b) money to pay off her mortgage. And Lucas plans to spend from his brokerage, then his 401(k), then his Social Security and pension when he retires in 20 years. What do Joe and Big Al think of his strategy? Find out today on Your Money, Your Wealth® podcast 534. Free financial resources & episode transcript: https://bit.ly/ymyw-534 DOWNLOAD the Key Financial Data Guide DOWNLOAD The Retirement Readiness Guide Watch Is There a Formula for Retirement? on YMYW TV 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 00:55 - We're 63 and 58 With $4.6M Saved. Should We Do Roth Conversions? Can We Avoid IRMAA? (Ralph & Alice, Monument, CO - voice) 11:51 - Watch Is There a Formula for Retirement? on YMYW TV, Download The Retirement Readiness Guide for free 12:59 - Should I Use My 403(b) Pay Off My Mortgage? (Mary Jo, Escondido) 16:48 - Brokerage to 401(k) to Social Security and Pension: Good Income Strategy for Retirement in 20 Years? (Lucas) 26:33 - YMYW Podcast Outro

June is Dog Bite Awareness Month. How much of a bite will Uncle Sam take out of your retirement money? 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.

Everyone has goals — some are monumental, others modest — but every goal matters. Join guest Szu-chi Huang, an expert in sustaining enthusiasm for individuals, customers, and employees across global corporations and organizations, as she delves into the science of motivation. Discover how the gap between where you are and where you want to be is bridged by a dynamic blend of psychology, sociology, behavioral economics, neuroscience, and the latest in AI. The secret to achieving your goals? Stay adaptable. If one approach falters, switch gears to keep your drive alive, Huang tells host Russ Altman on this episode of Stanford Engineering's The Future of Everything podcast.Have a question for Russ? Send it our way in writing or via voice memo, and it might be featured on an upcoming episode. Please introduce yourself, let us know where you're listening from, and share your question. You can send questions to thefutureofeverything@stanford.edu.Episode Reference Links:Stanford Profile: Szu-chi HuangConnect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>> Twitter/X / Instagram / LinkedIn / FacebookChapters:(00:00:00) IntroductionRuss Altman introduces Szu-Chi Huang, professor of marketing at Stanford GSB.(00:03:31) Studying MotivationSzu-chi shares what led her to study motivational science(00:04:03) Defining MotivationMotivation as the drive to close the gap between current and ideal self.(00:04:57) The Science of MotivationStudying motivation through behavioral and neurological data.(00:05:48) Why It Matters in BusinessHow motivation science applies to leaders, teams, and customers.(00:06:39) Motivation FrameworkThe strategies needed in order to stay motivated over time.(00:07:42) The Mindset of MotivationThe different mindsets needed throughout the stages of motivation.(00:09:21) Motivating Kids to Choose HealthyA Collaboration with UNICEF to study what motivates children.(00:10:55) Gamified Coupons in PanamaA study using gamified coupons to influence children's food choices.(00:14:26) Loyalty Programs as MotivationHow customer reward programs act as structured goal journeys.(00:16:47) Progress Versus PurposeThe different incentives needed in each stage of loyalty programs.(00:18:29) Retirement Saving LessonsHow financial institutions apply motivational science to long-term goals.(00:21:12) Motivation in Social ContextThe role of social connections in goal pursuit and sustaining motivation.(00:26:10) Designing Apps for MotivationHow redesigning user interfaces can help users stay motivated.(00:27:20) AI as a Motivation CoachUsing AI to personalize feedback across all stages of goal pursuit.(00:30:09) Starting and Sustaining a GoalPractical strategies for launching and sustaining a goal.(00:31:57) Conclusion Connect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>>Twitter/X / Instagram / LinkedIn / Facebook

  All Trails has 14 reviews that give the Magellan Beaver Dam Trail inside Hot Springs Village a rating of 4.8. The site lists the trail as PRIVATE PROPERTY, which doesn't mean what you think. It belongs to Hot Springs Village, so you must be a member or a guest to gain access. That's true of all the trails inside the Village. While we take this short hike, let's answer an email from an audience member: "How can we slow down the drain on our retirement savings?"   • Join Our Free Email Newsletter • Subscribe To Our YouTube Channel (click that bell icon, too) • Join Our Facebook Group • Support Our Sponsors (Click on the images below to visit their websites.) __________________________________________ __________________________________________

Retirement planning can be complex, and it's easy to make mistakes along the way. But with the right information, you can steer clear of these common pitfalls. Join us as we discuss our experiences with retirement savings mistakes and how to avoid them.

Money Talks is hosted by Ryder Taff, Portfolio Manager at New Perspectives. To email a question to the show, send it to money@mpbonline.org. In this episode, we talk about retirement savings plans including IRA's and 401 K's. Hosted on Acast. See acast.com/privacy for more information.

Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we're celebrating the fact that he is still here with us, and we're inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan's new book, and how you can help Jonathan pay it forward for the next generation. Free financial resources & episode transcript: https://bit.ly/ymyw-532 The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV 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 02:53 - Jonathan Clements' Getting Going on Savings Initiative 05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults 07:55 - Exponential Growth: The Sooner You Save, The Better 09:44 - Research Study Will Measure Impact on Young Savers 11:56 - Financial Education is Important 14:05 - The John C. Bogle Center for Financial Literacy 14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life 15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation 18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book

Can you actually save too much for retirement? It sounds like a strange problem to have, but it's more common than you think! In this episode, we discuss signs you're over-saving and how an excessive focus on your future can rob you of joy today. We'll talk about the importance of knowing what you're saving for, frugality vs. stinginess, and when you might need to adjust your savings plan. Plus, we'll walk through how to find your actual retirement number (spoiler: it's not one-size-fits-all) and how to align your money with your values. Tune in!For the full transcript, show notes, and resources, visit thewealthmindsetshow.com/s2e12Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!