Podcasts about retirement savings

Variable annuities are often promoted as a secure way to generate guaranteed income during retirement, drawing the attention of retirees seeking stability for their nest eggs. But beneath the surface, these products frequently come with complications and costs that can erode your savings and limit your financial flexibility. In this episode, I share the details of the often-overlooked downsides of variable annuities and give you some important insights every investor should consider.   You will want to hear this episode if you are interested in... [03:14] What is a Variable Annuity? [04:27] Understanding Annuity Benefits and Growth [08:41] Lack of fee transparency in annuities [09:45] Variable annuity investment drawbacks [14:59] Avoiding variable annuity pitfalls   What Is a Variable Annuity? A variable annuity is an investment product sold by insurance companies, offering a selection of investment accounts, referred to as sub-accounts, designed to mimic mutual fund performance. The tax-deferred growth inside the annuity is often touted as a major benefit. This tax deferral is redundant for retirement investors who already enjoy similar benefits in IRAs or 401(k)s. Many variable annuities advertise living benefits, such as guaranteed lifetime withdrawals. For instance, a $100,000 investment could guarantee $5,000 per year for life, regardless of the contract's cash value. Some contracts offer guaranteed "growth" of your future income base, but crucially, this is not money you can cash out: it simply determines your withdrawal amount, not your walk-away value. The catch is that these appealing features come at a steep price.   Fee Structures are the Hidden Drain on Returns One of the most significant drawbacks of variable annuities is their high-cost structure. These costs can be organized into three main categories:   Mortality and Expense (M&E) Charges: Annual administrative fees imposed by the insurance company, typically ranging from 1% to 2% per year. Sub-Account Fees: Investment management fees that vary depending on your chosen investments. While some options are slightly less expensive, others can reach up to 2% annually. Rider Fees: If your contract includes a guaranteed income benefit, expect an additional 1%-2% per year for this privilege. Combined, these expenses can easily total 3% to 4% annually, making variable annuities arguably the most expensive retirement investment around.   What You Don't See CAN Hurt You Transparency is another major shortfall in the world of variable annuities. Many investors are not fully aware of the high fees they're paying. While the fees are listed in the prospectus, many advisors fail to highlight them, and statements often obscure these charges. Understanding true costs requires diligent reading of the fine print, and even then, variations in sub-account performance can lead to unexpected results. You may believe you're mirroring mutual fund returns, but annuity sub-accounts are not identical and can significantly underperform. The promise of guaranteed income comes at a heavy cost. For the insurance company's guarantee to pay off, you'd generally need to either live well beyond average life expectancy or experience long-term poor market performance. Since withdrawal rates are limited and fees are high, over the long run, variable annuities may yield less retirement income or reduce the amount left to your heirs.   Look Beyond the Sales Pitch Variable annuities can be marketed to highlight only the positives, but it's important to consider the high fees, lack of transparency, poor risk-return tradeoff, inflexibility, and opportunity costs involved. Before committing your retirement savings, do your homework—or consult a truly fiduciary advisor—and make sure variable annuities are the best fit for your long-term goals.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

What does it really take to turn your savings into dependable income in retirement? In this episode, Mike Douglas outlines the key components of building a practical income strategy, including defining your income needs, creating a flexible withdrawal approach, and using a bucket strategy to manage risk. He also discusses Social Security timing and how taxes can impact long-term income. The conversation focuses on how these elements work together to help shape a structured plan for navigating retirement spending and market changes. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

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Shaun Snyder, CEO of the National Association of State Treasurers, introduces SURCH, the States' Unclaimed Retirement Clearinghouse, a new initiative that leverages state unclaimed property systems to help plan sponsors and recordkeepers reunite uncashed retirement benefit checks with the workers and retirees who are owed them.

On average, women retire with 25% less superannuation than men, and one in ten have no super account at all. While you might assume this is purely down to career breaks, evidence shows the disparity starts much earlier - with females under 18 already trailing their male peers. What is really driving this, and what steps can women take to supercharge their savings? Gemma Dale, head of investor behaviour at NAB Trade joins associate editor James Kirby.See omnystudio.com/listener for privacy information.

Most Americans are far less prepared for retirement than many assume. Don and Tom discuss new Federal Reserve data showing that only about half of Americans have retirement accounts, the median retirement balance is just $200,000, and only a tiny percentage of retirees have more than $1 million saved. They explain why starting early, saving consistently, and avoiding speculative investing matter far more than chasing hot stocks or market trends. The episode also covers Social Security misconceptions, the challenges of retiring on limited income, concerns about Schwab's Teen Investor Account, and the importance of teaching young people disciplined long-term investing habits.0:11 How many Americans actually have enough saved for retirement?2:08 Federal Reserve data on retirement account ownership3:18 The surprisingly low median retirement balance4:47 Why advisors chase million-dollar clients5:07 Income, education, and retirement savings disparities7:06 Homeownership and wealth accumulation8:25 The importance of simply getting started9:41 Why Fidelity says it takes roughly 27 years to reach $1 million10:56 Saving versus investing and the dangers of speculation12:03 Leaving retirement money alone during market and life crises14:08 Bellevue, Nebraska caller asks about Social Security earnings limits15:11 Social Security taxation and claiming considerations16:32 Discussion of Edward Jones and advisor relationships19:29 Can a 76-year-old buy a home with $400 monthly payments?21:44 Schwab Teen Investor Account review22:39 Why Don dislikes stock-picking education for teenagers25:12 How custodians profit from trading activity26:35 Better ways to teach young people about investing27:31 Free advisor meetings and listener resourcesQuestions? Comments? Click!

This week, we tackle the alarming rise in financial scams targeting retirees and their hard-earned savings. With insights straight from the FBI and real-world examples of scam attempts, I break down the key tactics used by fraudsters and reveal the subtle ways they can gain access to your retirement accounts. From sophisticated account takeovers to fake invoice emails, you'll learn the warning signs to watch for—and, most importantly, practical strategies to protect yourself and your financial future.    You will want to hear this episode if you are interested in... [00:00] How financial scams work and what listeners can do to protect themselves [03:27] Recognizing scam tactics and risks [09:38] Recognizing fake invoice scams [10:36] Email scams and malware threats [16:30] Adding verbal passwords for security [17:28] Avoiding financial scams   Why Retirees Are in Scammers' Crosshairs Retirees often represent an attractive target to scammers, thanks to years of diligent saving and sometimes less familiarity with new scam techniques. With the Federal Bureau of Investigation noting a surge in financial fraud, understanding the mechanics of modern scams is essential. Scammers rely on a proven formula: Use of a trusted-looking sender Creation of a sense of urgency Sufficient believable details to seem legitimate   When you recognize these methods, retirees and their families can more easily spot fraud attempts and prevent the devastating loss of hard-earned assets.   Four Scams Every Retiree Needs to Know 1. The Account Takeover Arguably, the most damaging scam involves fraudsters masquerading as your bank or investment firm. It starts innocuously: a text asks if you authorized a transaction. Replying prompts a phone call from a supposed representative. Thanks to massive data breaches, these scammers may already know your personal details — they just need one missing piece. They'll convince you to read out a "security code" sent by your institution. Handing over this code gives the scammer direct account access, allowing them to transfer funds instantly. Importantly, because you authorized the transaction, financial institutions like Charles Schwab often won't reimburse the loss.    2. The Debt Collector Text Message Here, you get a text from a "debt collector" referencing a fictitious account, amount, or government agency. Designed to provoke fear and haste, these messages trick recipients into calling the number provided or clicking a link — both of which compromise your security or lead to unauthorized payments.   3. The Unpaid Toll Notification You receive an alert for a small, believable toll charge. With such a trivial amount, many people click the link and pay without thinking, handing over payment info to scammers who make larger, unauthorized withdrawals.   4. The Fake Invoice Email Sophisticated emails may claim to be from reputable companies like Microsoft, complete with realistic logos and urgent language about an outstanding invoice. The danger here is twofold: opening the attachment can load malware or ransomware onto your device, or responding to the invoice sends money straight to a crook. Always verify the sender before clicking links or attachments.   Great Habits for Scam Prevention This is my seven-point toolkit to keep you one step ahead of scammers. Practice these habits consistently to stay safe:   Slow Down: Scammers exploit urgency. Pause, breathe, and verify requests. Don't Answer Unknown Numbers: Let unfamiliar calls go to voicemail, especially those spoofing local area codes. Avoid Clicking Suspicious Links: Always visit official websites or use verified contact numbers when responding to alerts or billing issues. Guard Your Personal Information: Never share sensitive info like PINs, passwords, or codes unless you started the interaction. Use Authenticator Apps: These offer extra security beyond SMS-based codes, which can be intercepted. Add Verbal Passwords to Accounts: Financial institutions often allow this as an additional security measure. Assume It's a Scam: When in doubt, err on the side of caution and reach out to institutions through official channels.   Diligence is Your Best Defense Scams will continue to evolve, but the best protection comes from vigilance and skepticism. Always vet instructions that involve your money, pause before acting, and confirm legitimacy through direct contact. Your savings represent a lifetime of work; protect them fiercely so they'll serve you for years to come.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard EPIC - Equifax Data Breach    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

#ThisMorning | From #Geopolitics to #Groceries: What's Driving Retirement #Savings #Behavior | Edward McIlveen, CFA, Francis LLC | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Retirement account balances fell during the first quarter of 2026 as market volatility weighed on investors. Despite the decline, Fidelity reports that savings rates reached record highs and many Americans increased their retirement contributions. Subscribe to our newsletter to stay informed with the latest news from a leading Black-owned & controlled media company: https://aurn.com/newsletter Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stephen Grootes speaks to Warren Ingram, financial adviser and co-founder of Galileo Capital, about a life annuity. This is a financial product where you exchange your retirement savings for a guaranteed monthly income paid by an insurer for the rest of your life, effectively removing the risk of outliving your money but also limiting access to your capital and flexibility. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.  Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 6 pm to 8 pm (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Let's keep the conversation going online:   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Warren Ingram, financial adviser and co-founder of Galileo Capital, about a life annuity. This is a financial product where you exchange your retirement savings for a guaranteed monthly income paid by an insurer for the rest of your life, effectively removing the risk of outliving your money but also limiting access to your capital and flexibility. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.  Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 6 pm to 8 pm (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Let's keep the conversation going online:   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

On this episode of Nolan Financial Radio with Tara Nolan, Kris Mckinney discusses what to do about the retirement savings crisis. If you have questions or would like to make an appointment contact Tara at 719-210-4242 or online at www.nolanfinancialpartners.com 

On this episode of Nolan Financial Radio with Tara Nolan, Kris Mckinney discusses what to do about the retirement savings crisis. If you have questions or would like to make an appointment contact Tara at 719-210-4242 or online at www.nolanfinancialpartners.com 

Germany faces a massive investment task: modernising infrastructure, supporting innovation and securing retirement outcomes in an ageing society. In this episode of Sound of Finance, our colleague Dr. Johannes Branahl speaks with Arved Kolle, Managing Director from AFME, the Association for Financial Markets in Europe, about how capital markets can help mobilise long-term funding—often cited as roughly €1.4 trillion by 2030—if the right incentives, products and reforms are put in place. We discuss the investment gap, household participation, the startup ecosystem, demographic pressures, and what policymakers should prioritise next. Key takeaways • Why closing Germany's long-term investment gap requires both public action and private capital at scale. • How product innovation and better investor access can increase household participation in capital markets. • What needs to change to channel capital more efficiently—across sectors and across EU member states. • Why a stronger startup and scale-up ecosystem depends on deeper pools of risk capital. • How demographic trends increase urgency for pension reform—and what that means for capital market policy. • A practical lens on current proposals (including the ‘Altersvorsorge Depot') and the trade-offs policymakers face.

Marty opens by pointing out some of the drivers of retiree anxiety. They include a lack of confidence, being fed financial news twenty-four hours a day, inflation and interest rate uncertainty. He then moves into a discussion about easing that anxiety in retirement by building in a good income and spending plan. Reach Marty at 888-519-9096. Smart Money SolutionsSee omnystudio.com/listener for privacy information.

This week, the OECD suggests a major overhaul of our retirement savings system, the 2026 National Climate Change Risk Assessment identifies ten significant risk areas needing "focused action" (i.e. money) and controversial Australian Budget changes to Australia's capital gains tax may have a silver lining for Kiwis.

Don and Tom explore one of retirement's biggest emotional and financial questions: where should you actually live once work winds down? They discuss the hidden realities behind “low-tax” retirement states, including insurance costs, healthcare expenses, weather extremes, and the importance of family and community. The episode also features listener questions on retirement cash management, why annuities often create more problems than solutions, retirement savings strategies for LLC owners, and the ultra-wealthy “buy, borrow, die” strategy using securities-backed lines of credit.0:05 Retirement dreams and deciding where to live1:49 The myth of “low-tax” retirement states3:18 Washington taxes, Jeff Bezos, and Wyoming winters4:27 Florida's hidden costs and brutal summers6:04 Insurance shocks, pension taxes, and state tax surprises8:04 Property taxes, sales taxes, and healthcare costs10:12 Why family and community matter more than taxes11:38 Florida thunderstorms and surviving the humidity12:40 Comparing total living costs before relocating13:52 Aging in place and the rising demand for one-story homes15:34 Listener question: What to do with $192,000 sitting in checking18:52 Why liquid savings may beat annuities near retirement22:15 Delaying 401(k) withdrawals and retirement flexibility24:47 LLC profits and retirement contribution limitations28:06 “Buy, borrow, die” and securities-backed lines of credit33:19 The risks of borrowing against investments34:05 Free fiduciary advice versus commissioned sales pitchesQuestions? Comments? Click!

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Never mind that it’s way out west - Tengah’s first private condominium development sold out almost all its units over its launch weekend at the end of April. At an average price of $2,120 per sq ft and a location that’s under the Outside Central Region (OCR) classification, the affordable suburban condominium is starting to feel more expensive. But despite all our complaints about high property prices and the uncertain global outlook, these sales show that Singaporeans are still willing to fork out serious money for new, unsubsidised private residential properties. Is this the new normal buyers have to get used to? In this episode of The Usual Place, Natasha speaks with veteran property analyst and chief research officer at MOGUL.sg Nicholas Mak, and CEO and Chief Investment Officer at financial advisory firm MoneyOwl Chuin Ting Weber. We chat about who are the buyers driving the sales of these properties, and what’s driving these record new launch condo prices? Highlights (click/tap above): 1:20 What's driving up condo prices? 4:55 FOMO in buyers driven by agents 7:25 HDB upgraders not main condo buyers 9:56 Who's renting if everyone's buying? 15:28 The myth of constantly rising prices 19:28 Making compromises to make mortgage 31:40 Good debt and what you can afford 37:22 Parents digging into retirement funds for kids 48:00 Why isn't the government stepping in more? 51:36 The similarities between healthcare and property Host: Natasha Ann Zachariah (natashaz@sph.com.sg) Read Natasha’s articles: https://str.sg/iSXm Follow The Usual Place podcast on IG: https://str.sg/8KNT Follow Natasha on LinkedIn: https://str.sg/v6DN Filmed by: Studio+65 Edited by: Eden Soh, Fa’izah Sani & Natasha Liew Executive producer: Danson Cheong Producers: Natasha Ann Zachariah and Elizabeth Law Follow The Usual Place Podcast and get notified for new episode drops every Thursday: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/theusualplacepodcast Feedback to: podcast@sph.com.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX -- #tup #tuptrfSee omnystudio.com/listener for privacy information.

https://vimeo.com/1188884054?share=copy&fl=sv&fe=ci https://www.currentfederaltaxdevelopments.com/podcasts/2026/5/3/2026-05-04-treasury-previews-upcoming-280e-medical-marijuana-guidance This week we look at: Reasonable Cause Relief Under the Small-Corporation Provision for Form 5472 Penalties Extending the Statute of Limitations for Disallowed ERC Claims Legislative Update: House Passes Comprehensive Tax Administration and Relief Bills Anticipated IRS Guidance Following the Rescheduling of Medical Marijuana Analysis of the New Dyed Fuel Excise Tax Refund Regulations Under Section 6435 Executive Order on Retirement Savings and Its Interaction with IRC Section 6433

This week we look at: Reasonable Cause Relief Under the Small-Corporation Provision for Form 5472 Penalties Extending the Statute of Limitations for Disallowed ERC Claims Legislative Update: House Passes Comprehensive Tax Administration and Relief Bills Anticipated IRS Guidance Following the Rescheduling of Medical Marijuana Analysis of the New Dyed Fuel Excise Tax Refund Regulations Under Section 6435 Executive Order on Retirement Savings and Its Interaction with IRC Section 6433

In this episode, host Toby Mathis sits down with 529 plan expert Chris Stack to explore the surprisingly versatile — and widely misunderstood — ways these accounts can be used far beyond traditional college savings. Chris explains how 529 plans primarily benefit account owners, not just future students, offering tax-free compounding growth, powerful estate planning advantages, and remarkable flexibility in how and for whom funds are used. They discuss how married couples can superfund a single account with up to $190,000 in one contribution, how beneficiaries can be changed to any family member without tax consequences, and how accounts can be structured to grow entirely outside your taxable estate. Chris also covers the strategy of directing non-educational distributions to lower tax-bracket recipients to minimize taxes, rolling leftover 529 funds into a Roth IRA, bankruptcy creditor protection, and the wide range of qualifying expenses from K–12 through graduate school, trade schools, apprenticeship programs, and nearly 500 international institutions. Tune in to discover how 529 plans can be a powerful, flexible tool for wealth building, legacy planning, and tax strategy at every stage of life. Highlights/Topics: 00:00 529 expert Chris Stack - most surprising ways people use 529s 02:10 How 529 plans work and their history 06:41 Gifting strategies and estate planning benefits 17:42 Taking money out for non-education expenses 23:05 Investment options costs and choosing a plan 29:46 Eligible expenses and qualifying institutions worldwide 31:41 Three groups who benefit most from 529s 40:43 Overcoming misconceptions and getting started Share this with business owners you know Resources Chris Stack – Saving for College: savingforcollege.com Chris Stack Email: cstack@savingforcollege.com IRS Form 709 – Gift Tax Return: irs.gov/forms-pubs/about-form-709 U.S. Department of Education – Eligible International Institutions: studentaid.gov/understand-aid/eligibility/requirements/international-schools Would you like to learn more about protecting your assets and minimizing taxes? Schedule a free consultation here: https://aba.link/3c7g Register for a Free upcoming workshop today if you want to protect your business and personal assets from snoopy lawyers and creditors. Save Your Seat: https://aba.link/14g1 Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons  

Nearly half of American households are approaching retirement with little to no savings, and that alarming reality is exactly what Preston Gee, CFP® and Jim Pilat, CFP® of Peak Wealth dig into on the Trust the Plan Podcast. In this powerful must listen episode, the Peak Wealth advisors break down why so many families are behind, what most people misunderstand about retirement readiness, and how quickly financial insecurity can build when planning is delayed. Instead of just focusing on fear, they bring a grounded real world CFP perspective highlighting the importance of intentional saving, disciplined planning, and long term strategy. If you are wondering whether you are on track for retirement or worried about falling behind, this conversation delivers clear relatable insights that hit home for everyday investors. — ✅ Apply For A Free Retirement Planning Session ✅ peakwm.com/start-here ------------------------------ Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: https://findingtruewealth.podbean.com/ YouTube: / https://www.youtube.com/@peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: https://www.facebook.com/PeakWealthManagement/ X: https://x.com/nhopwood1 https://www.peakwm.com/ 

#ThisMorning | #Emergency #Savings Does Not #Weaken #Retirement #Savings - Part II | Nick Maynard, Commonwealth and Rachel Weker, T. Rowe Price | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

#ThisMorning | #Emergency #Savings Does Not #Weaken #Retirement #Savings - Part I | Nick Maynard, Commonwealth and Rachel Weker, T. Rowe Price | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Kevin asks about using leveraged ETFs (2x and 3x return) for his retirement savings. LEverage Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Most people think they understand retirement planning… but the reality is, small decisions today can completely change your future. Whether you're contributing to a 401k, exploring a Roth IRA, or just starting to think about saving for retirement, this conversation breaks down what actually matters.We cover how everyday spending habits impact your ability to save, build retirement income, and reach true financial freedom. From understanding what is a 401k to comparing 401k vs Roth IRA, this is about simplifying financial planning so you can make better long-term decisions.You'll also hear how strategies like roth 401k, roth ira investing, and long-term investing play into a real retirement strategy, along with how tax planning, retirement accounts, and wealth building all connect. This isn't theory… it's practical personal finance that helps you build real savings over time.We also touch on how distractions like lifestyle creep, the housing market, and even real estate investing can either support or hurt your plan if you're not intentional. Because at the end of the day, retirement investing isn't just about the market… it's about behavior.If you're trying to improve your financial literacy, understand how to make money, and build a smarter approach to finance, this is a must-watch.Whether you're a beginner looking into a roth ira for beginners or someone refining your current strategy, the goal is simple… build a plan that actually works.

Unexpected expenses don't wait. And when they hit, retirement savings often become part of the conversation. Matt Landon, CFP® and CEO of Semmax Financial Group, and Kyle Leonard, CFP®, break down when it may make sense to pull from retirement accounts and when it can create bigger problems. They walk through real scenarios, from covering short-term gaps to helping family, and explain how taxes, penalties, and timing all factor into the decision. The focus stays simple. Know why you need the money, understand the tradeoffs, and protect the long-term plan wherever possible. Takeaways • The reason for the withdrawal matters more than the amount • High-interest debt can outweigh keeping money invested • Taxes and penalties can reduce what you actually receive • Short-term needs should be handled differently than permanent withdrawals • Plans change, but decisions should still be intentional Chapters 00:00 Why people tap retirement savings 02:00 Early withdrawals during working years 03:00 Credit cards vs. retirement funds 04:30 401(k) loans and home equity options 06:30 One-time needs vs. ongoing withdrawals 08:30 Accessing funds before 59½ 09:30 Understanding 72(t) distributions 11:00 When not to roll over a 401(k) 13:00 The emotional side of financial setbacks 14:30 Rebuilding confidence after a disruption  

Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightforward. You save. You invest. You grow your portfolio. But as Dr. Wade Pfau explains, retirement doesn't just flip that process in reverse. It changes the entire equation. Pre-retirement, you're adding money into your portfolio. Market downturns can actually help because you're buying more shares at lower prices. In retirement, the opposite is true. “When you’re taking a distribution from your assets and the markets are down… you have to sell more shares,” Dr. Pfau explains, “and that creates dynamics that can dig a hole for the portfolio.” That shift—from accumulation to distribution—is what makes retirement income planning fundamentally different. The Risks Change in Retirement One of the biggest insights from the conversation is that retirement introduces a new set of risks that don't show up the same way while you're working. Dr. Pfau highlights three major ones: Longevity risk — living longer than your money lasts Market risk — especially when withdrawing from investments Spending shocks — unexpected expenses that show up year after year Retirees often experience about 10% of their spending as unexpected each year. In other words, surprises aren't rare. They're part of the plan. And that means your retirement strategy needs to account for them. Sequence of Returns Risk: The Hidden Danger One of the most important—and least understood—risks in retirement is sequence of returns risk. This is the idea that when market returns happen matters just as much as how much you earn overall. Dr. Pfau explains it this way: If markets perform poorly early in retirement, your portfolio can be permanently damaged—even if returns are strong later. “If markets do poorly early on… you start to dig a hole from your portfolio,” he says. In fact, he estimates that for a 30-year retirement, the first 10 years of returns can determine about 80% of the outcome. That's a completely different way of thinking about risk. It's not just about average returns anymore. It's about timing. Why There's No “One Right Way” With all these risks, many retirees want a simple answer: What's the best strategy? But Dr. Pfau pushes back on that idea. “There's not going to be the case that there's just one optimal approach,” he explains. “You've got to find the approach that's right for you.” That's where his concept of retirement income styles comes in. Some people prefer: Flexibility and market growth Predictable income and stability Time-segmented (bucket) approaches Guardrails and risk boundaries Most retirees, in reality, use a combination of these approaches—whether they realize it or not. If you have Social Security, investments, and a savings account, you're already using multiple strategies at once. The goal isn't to pick one. It's to align your approach with what you're trying to accomplish. The Real Question: What Are You Solving For? One of the most important questions I ask clients is simple: What are you solving for? Are you trying to: Maximize income today? Protect against running out of money? Maintain flexibility? Leave a legacy? Interestingly, retirees often say they want to enjoy their money—but their behavior suggests something different. Dr. Pfau notes that many retirees continue to grow their assets instead of spending them, even when they have the ability to enjoy more of their retirement. That disconnect can lead to a retirement that looks successful on paper—but doesn't feel that way in real life. Why Traditional Investing Falls Short Another key insight comes from the origin of modern investing theory itself. Wade points out that Modern Portfolio Theory was designed for institutions—not retirees. When its creator, Harry Markowitz, later considered how it applies to households, he realized the problem is much more complex. Households don't just grow assets. They have to fund spending—over an unknown time horizon. That's a completely different challenge. Building a Real Retirement Plan So where do you start? Dr. Pfau's framework begins with two critical steps: Understand your retirement income style Understand your risk exposure From there, you can begin building a plan that aligns your income, investments, taxes, and goals. But that brings us to step zero of the 5 step retirement plan: Know your longevity. Because how long your retirement lasts—and how you feel about that uncertainty—affects every decision that follows. The Bottom Line Retirement isn't just about having enough money. It's about turning that money into income—while managing risks that didn't exist before. That's why retirement income planning is more complex than saving for retirement. And it's why the best plans aren't built around a single strategy. They're built around you. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps Dr. Wade Pfau on LinkedIn Dr. Wade Pfau's Website Buy Dr. Wade Pfau's book “Retirement Planning Guidebook” “The Lifetime Sequence of Returns: A Retirement Planning Conundrum” by Dr. Wade Pfau “Safey-First Retirement Planning with Wade Pfau” Retire Today Episode 141 with Dr. Wade Pfau Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Chris Markowski discusses the importance of truth in financial reporting, the challenges of retirement savings in the current economic climate, and the impact of inflation on personal finances. He emphasizes the need for a personal CFO approach to navigate market terrain and make informed investment decisions. The conversation also touches on the dangers of alternative investments in 401(k)s and the role of government in economic issues.

Most people don't start thinking seriously about retirement until their forties. If that's you, the good news is you're not behind. You're normal. And this week three CFPs, Jackie Cummings Koski, Roger Whitney, and OG break down exactly what to do, in what order, starting right now. In this episode: Why panic is the enemy of a good retirement plan, the first place your money should go before anything else, why your savings rate matters more than finding the perfect investment, and the one investing mistake people make when they feel behind. Biggest takeaways: Give yourself grace first. This stuff isn't taught in school. The two years Jackie spent just processing her situation before taking action weren't wasted. That clarity is what made everything else stick. Increase your savings rate by 1% every six months. Going from 3% to 13% over five years feels like a non-event the entire time. Automation makes it invisible. Simple beats clever. Index funds, low cost, diversified, and boring. When you feel behind, the temptation is to swing for the fences. That's exactly when boring saves you. Real estate and dividend strategies are tactics. Tactics come after you have a strategy. For a 40-year-old starting from zero, the strategy is build the habit and save more. Resources mentioned: Jackie Cummings Koski's book Fire for Dummies and podcast Catching Up to FI at catchinguptofi.com Roger Whitney's Retirement Answer Man podcast at rogerwhitney.com The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault: stackingbenjamins.com/vault FULL SHOW NOTES: https://stackingbenjamins.com/how-to-start-saving-for-retirement-at-40-1827 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Most people don't start thinking seriously about retirement until their forties. If that's you, the good news is you're not behind. You're normal. And this week three CFPs, Jackie Cummings Koski, Roger Whitney, and OG break down exactly what to do, in what order, starting right now.In this episode:Why panic is the enemy of a good retirement plan, the first place your money should go before anything else, why your savings rate matters more than finding the perfect investment, and the one investing mistake people make when they feel behind.Biggest takeaways:Give yourself grace first. This stuff isn't taught in school. The two years Jackie spent just processing her situation before taking action weren't wasted. That clarity is what made everything else stick.Increase your savings rate by 1% every six months. Going from 3% to 13% over five years feels like a non-event the entire time. Automation makes it invisible.Simple beats clever. Index funds, low cost, diversified, and boring. When you feel behind, the temptation is to swing for the fences. That's exactly when boring saves you.Real estate and dividend strategies are tactics. Tactics come after you have a strategy. For a 40-year-old starting from zero, the strategy is build the habit and save more.Resources mentioned:Jackie Cummings Koski's book Fire for Dummies and podcast Catching Up to FI at catchinguptofi.com Roger Whitney's Retirement Answer Man podcast at rogerwhitney.com The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault: stackingbenjamins.com/vaultFULL SHOW NOTES: https://stackingbenjamins.com/how-to-start-saving-for-retirement-at-40-1827Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Tripp Limehouse discusses how market volatility, headlines, and global tensions impact retirement planning. He emphasizes the importance of having a comprehensive, personalized plan to navigate uncertain times and avoid emotional reactions that can jeopardize your retirement goals. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3519: Len Penzo explores how traditional retirement strategies may fall short in an unstable financial system, and why diversifying beyond a 401(k) could offer peace of mind. Drawing on insights from James Rickards, he explains how allocating a portion of savings to physical gold and silver can act as “wealth insurance” against extreme economic scenarios. The piece ultimately helps you weigh risk, flexibility, and personal conviction when safeguarding your long-term financial security. Read along with the original article(s) here: https://lenpenzo.com/blog/id25073-5-strategies-for-protecting-your-401k-savings-from-economic-collapse-2.html Quotes to ponder: "A useful way to think about (precious metal's) insurance function is that a 500% return on 20% of a portfolio provides a 100% portfolio hedge." "Although your 401(k) was completely wiped out, the post-collapse value of your physical gold (and/or silver) soared to $50,000!" "The only sure way to tell is by observing how well you sleep at night after making your decision." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3519: Len Penzo explores how traditional retirement strategies may fall short in an unstable financial system, and why diversifying beyond a 401(k) could offer peace of mind. Drawing on insights from James Rickards, he explains how allocating a portion of savings to physical gold and silver can act as “wealth insurance” against extreme economic scenarios. The piece ultimately helps you weigh risk, flexibility, and personal conviction when safeguarding your long-term financial security. Read along with the original article(s) here: https://lenpenzo.com/blog/id25073-5-strategies-for-protecting-your-401k-savings-from-economic-collapse-2.html Quotes to ponder: "A useful way to think about (precious metal's) insurance function is that a 500% return on 20% of a portfolio provides a 100% portfolio hedge." "Although your 401(k) was completely wiped out, the post-collapse value of your physical gold (and/or silver) soared to $50,000!" "The only sure way to tell is by observing how well you sleep at night after making your decision." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3519: Len Penzo explores how traditional retirement strategies may fall short in an unstable financial system, and why diversifying beyond a 401(k) could offer peace of mind. Drawing on insights from James Rickards, he explains how allocating a portion of savings to physical gold and silver can act as “wealth insurance” against extreme economic scenarios. The piece ultimately helps you weigh risk, flexibility, and personal conviction when safeguarding your long-term financial security. Read along with the original article(s) here: https://lenpenzo.com/blog/id25073-5-strategies-for-protecting-your-401k-savings-from-economic-collapse-2.html Quotes to ponder: "A useful way to think about (precious metal's) insurance function is that a 500% return on 20% of a portfolio provides a 100% portfolio hedge." "Although your 401(k) was completely wiped out, the post-collapse value of your physical gold (and/or silver) soared to $50,000!" "The only sure way to tell is by observing how well you sleep at night after making your decision." Learn more about your ad choices. Visit megaphone.fm/adchoices

Building retirement savings is only half the equation — turning those savings into reliable income is where the real planning begins.In this episode, Miguel Gonzalez explains how to create a sustainable retirement income strategy by coordinating multiple income sources, timing Social Security, managing withdrawals, and considering taxes. Learn how to turn your savings into consistent monthly cash flow with greater clarity and confidence.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#MiguelXGonzalez #FinancialWellness #CashFlowPlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Ready to make 2026 your best financial year yet? Discover ten expert resolutions that can transform your retirement savings, from handling Australia's tax cuts to optimizing superannuation and protecting your wealth. Your future self will thank you. Approved Financial Planners Pty Ltd City: Floreat Address: 7/437 Cambridge St, Website: https://approvedfp.com.au

#ThisMorning | #CashBalance #RetirementPlans: A Powerful #Retirement #Savings #Strategy | Bruce Harrington & Kate Blake, Pentegra Retirement Services | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

Over the last 50 years, nearly $79 trillion that could have gone to the bottom 90%…didn't. Where did it go—and what did that cost you? Nick and Goldy are joined by Carter Price, senior mathematician at the RAND Corporation, to break down how rising inequality reshaped wages, growth, and even the federal budget—and why the economy feels so disconnected from everyday life. Because this isn't just about who got richer. It's about what everyone else lost. Carter Price is a Senior Mathematician at the RAND Corporation and Professor of Policy Analysis at the RAND School of Public Policy Social Media: @CarterCPrice Further reading:  Measuring the Income Gap from 1975 to 2023 RAND Budget Model: Groundbreaking insights into the everyday impacts of federal policy Unlocking the Tax Code with RAND's Tax Code Analysis Tool Preliminary Strategies for Reducing the Burden of Federal Debt Impacts of the Retirement Savings for Americans Act Website: http://pitchforkeconomics.com Facebook: Pitchfork Economics Podcast Bluesky: @pitchforkeconomics.bsky.social Instagram: @pitchforkeconomics Threads: pitchforkeconomics TikTok: @pitchfork_econ YouTube: @pitchforkeconomics LinkedIn: Pitchfork Economics Twitter: @PitchforkEcon, @NickHanauer Substack: ⁠The Pitch⁠

What if the real foundation of entrepreneurship is less about making money and more about mastering your mindset around it? In this episode of The Angel Next Door Podcast, host Marcia Dawood explores how our early experiences and psychological beliefs about money shape our financial behaviors—and ultimately, our freedom to create and build. Guest Shang Saavedra, who reached retirement savings goals by age 31, shares her journey from a frugal upbringing as the child of immigrants to graduating from Harvard, thriving in management consulting, and building the Save My Cents community. She's passionate about helping others use psychology and practical strategies to rewrite their financial stories, break the cycle of fear, and pave the way for meaningful wealth. This episode is essential listening for entrepreneurs and anyone needing a mindset reset around finances. With actionable advice on automating savings, understanding investment options, and handling financial setbacks, Shang Saavedra proves that changing how you think about money can transform your life—and your business.   To get the latest from Shang Saavedra, you can follow her below! https://www.linkedin.com/in/shangsaavedra/ https://savemycents.com/ https://www.instagram.com/savemycents/?hl=en Wealth Is a Mindset: Change Your Mind, Change Your Money   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Do Good While Doing Well Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

Retirement planning is often shaped by disciplined decisions, market realities, and investor behavior. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase address timely retirement investing questions and frame them within a long-term, evidence-based approach designed to inform—not predict—financial outcomes. • Compare dollar-cost averaging versus lump-sum investing and evaluate how investor psychology may influence portfolio results. • Reassess what it means to feel behind on retirement savings and explore catch-up strategies, contribution limits, and long-term discipline. • Evaluate how to handle windfalls, consolidate retirement accounts, and apply the Rule of 55 guideline when considering early access to employer plans. • Interpret average versus median retirement savings data to better contextualize your own retirement planning progress. • Weigh Roth 401(k) contributions later in your career, particularly in high-tax states, within a broader tax-aware retirement strategy. • Analyze covered call ETFs, bond allocations, and diversification across U.S. stocks, international markets, real estate, and commodities. • Emphasize consistent participation over market timing when attempting to build a resilient retirement portfolio. Clear context may lead to better decisions. Listen to—and subscribe to—the Retire Sooner Podcast to stay informed and continue refining your retirement investment strategy. Learn more about your ad choices. Visit megaphone.fm/adchoices

Would it be a mistake to reduce our retirement savings in order to float the purchase of a more expensive house? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Elon Musk says saving for retirement may be pointless in the AI age. The panel pushes back: Will AI replace jobs, judges, and financial advisors—or create an arms race where only the prepared survive? Is this abundance ahead… or a dangerous shift in power?

D&P Highlight: You'd be shocked by how many people have ZERO retirement savings. Zilch. full 400 Fri, 06 Feb 2026 19:56:00 +0000 jqIqWRTRQlY7RkyySWjBA9aGNJagWNT9 news The Dana & Parks Podcast news D&P Highlight: You'd be shocked by how many people have ZERO retirement savings. Zilch. You wanted it... Now here it is! Listen to each hour of the Dana & Parks Show whenever and wherever you want! © 2025 Audacy, Inc. News False https