Podcasts about Retirement planning

Ever check your payslip… your student debt… your mortgage… and wonder if you're just treading water?You're not alone, and you're not stuck.In this episode we revisit one of the most neglected topics in the profession: money.Hubert sits down with US-based financial adviser Eric Miller to break down the decisions that can actually move the money-needle for employed vets: from budgeting and debt to investing, insurance, and increasing your income. (We do global principles with US specifics)No jargon. No guilt. Just a clear starting point for vets who know they should have a plan… but haven't begun yet.Here's what you'll learn:Why practice ownership isn't the only route to financial securityThe one habit that underpins every solid financial planA simple 70/20/10 framework for spending, investing, and enjoying your moneyHow to handle student debt without letting it control your lifeWhether to prioritise debt repayment, investing- or bothThe difference between good debt and bad debt (and why it matters)How automation quietly builds wealth in the backgroundWhat young vets need to know about insurance, income growth, and lifestyle creepAnd perhaps most importantly:A more grounded, reassuring view of the profession itself.Yes, financial pressure is real.But Eric will convince you that veterinary medicine is still a strong, high-potential career - IF you do it right.  ⁠⁠thevetvault.com⁠ for show notes, access to our clinical continuing education content and to sign up for our weekly 'best of the Vet Vault' newsletter, or join us in person at one of our phenomenal Vets On Tour conferences. Topics and Time Stamps04:24 Biggest Financial Mistakes05:42 Budgeting & The 70/20/10 Rule14:41 Retirement Planning & 401k24:09 Student Debt & How to Tackle It26:22 Loan Forgiveness28:58 Pay Off Debt vs. Invest31:53 The Debt Snowball Method (it's a good thing!) 33:55 Increasing Your Income37:44 Constructive vs. Destructive Debt41:35 Insurance & Health Coverage44:06 Looking Ahead: The Veterinary Industry49:45 One Financial Habit for Ne w GradsWe love to hear from you. If you have a question for us or you'd like to give us some feedback please get in touch via our contact or catch up with us on ⁠⁠Instagram⁠⁠.And if you like what you hear, please share the love by clicking on the share button wherever you're listening and sending a link to someone who you think should hear this. 

Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotional shift from saving money to spending it. Retirement typically means going from “decades of saving to decades of retirement where you're spending,” and that transition creates real anxiety for people who want their money to last. Ethan Lohr's answer is not just a better spreadsheet. It's a “behavior-proof approach to reliable retirement income,” designed to help retirees make sound decisions even when fear, uncertainty, or market volatility show up.  Retirement isn't just a financial transition. It's a psychological one.  That mindset shift—from accumulation to distribution—creates anxiety for many retirees. So while the biggest risk retirees often fear is a market drop, oftentimes the greater risk is a struggle to change your behavior. The Real Risk in Retirement Markets fall. Headlines scream. Fear creeps in. Suddenly people make decisions they wouldn't normally make—selling investments, abandoning a plan, or withdrawing too little money because they're afraid to spend. That's why Ethan calls his framework a “behavior-proof approach to reliable retirement income.” The goal isn't just building a portfolio that works mathematically. The goal is building a system that still works when emotions show up. Because they always do. The Four Buckets of Retirement Income To help retirees think through their income strategy, Ethan uses a four-bucket framework. Most people are familiar with the idea of dividing money by time horizon. But Ethan's approach focuses more on the source of income rather than just the timing. The four buckets include: 1. Cash ReservesShort-term funds designed to cover near-term spending and provide stability during market fluctuations. 2. Earned IncomeSome retirees continue to work part-time, consult, or pursue a business venture. This income can reduce pressure on investment withdrawals. 3. Secure IncomeReliable income streams such as Social Security, pensions, or annuity payments. Ethan makes an interesting observation about this category. Many people say they dislike annuities, yet they happily accept Social Security each month. “Virtually every American has an annuity right now called Social Security,” he noted. 4. Growth and Legacy InvestmentsLong-term investments designed for growth, flexibility, and potentially leaving assets to heirs. The goal isn't to split assets evenly among these buckets. Instead, the framework helps retirees understand where their income will come from and whether their plan aligns with their comfort level. Why Frameworks Matter One of the most helpful parts of Ethan's approach is that it provides structure. Without structure, retirement decisions can feel overwhelming. Every market move, every headline, every conversation with a friend can trigger doubt. A framework helps retirees answer a simple question: Where is my income coming from? Once that question is clear, the rest of the planning process becomes easier. The Spending Gap Another interesting challenge Ethan discussed is what advisors often call the retirement spending gap. When retirees are surveyed, most say they want their money to help them live the life they want. But when you look at their actual withdrawals, many spend far less than they could comfortably afford. They say they want to enjoy retirement. But their behavior suggests they're afraid to. Ethan describes the solution as helping retirees “live fully.” In other words, the goal of retirement planning isn't just preserving wealth. It's helping people feel confident enough to actually use it. Retirement Is About More Than Math Retirement planning often focuses on investment returns, withdrawal rates, and tax strategies. Those are important. But they aren't the whole story. Retirement also involves psychology, identity, and the emotional shift from saving to spending. A plan that only works on paper isn't enough. The best retirement plans are designed to work with human behavior—not against it. That's what makes them truly durable. And that's what makes them behavior-proof. 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 Lohr & Company The Four Buckets “The Four Buckets: A Behavior-Proof Approach to Reliable Retirement Income” by Ethan Lohr  Ethan Lohr on LinkedIn 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

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You may know what a Roth is—but what exactly is a mega backdoor Roth, and who can actually use it? In this episode, Frankie Guida breaks down how higher earners can potentially move more money into tax‑advantaged accounts through employer retirement plans. The discussion walks through how after‑tax contributions, plan rules, and Roth conversions intersect, and why tax efficiency becomes increasingly important as retirement approaches. Using real‑world scenarios, the episode highlights how understanding these rules can reshape long‑term retirement planning decisions. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Legacy planning is about more than documents—it’s about avoiding unintended consequences. Art McPherson discusses estate planning oversights, unfunded trusts, and the emotional strain families face when plans aren’t complete. The episode reframes legacy as a process that blends clarity, coordination, and intention. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Each year around St. Patrick’s Day, McDonalds offers the Shamrock Shake. But it’s only available for a short time. Are there tasks in retirement that have a window of opportunity? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Trying to jump in and out of the market can quietly do more damage than most investors realize. On this episode, Kevin Madden breaks down why “time in the market” matters more than timing it, and how volatility can derail income during retirement. The conversation explores alternative income strategies, guaranteed cash‑flow options, interest‑rate shifts, and why relying solely on withdrawals can create unnecessary risk. Real‑world examples show how planning for income, taxes, and inflation can change the retirement picture and create steadier financial footing. 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.

Long‑term care is one of the most overlooked risks in retirement planning—and one of the most expensive. In this episode, Lucas Kalin breaks down why many families are unprepared for chronic conditions like Alzheimer’s and Parkinson’s, and why Medicare alone isn’t a solution. The discussion covers common misconceptions, the impact of asset spend‑down, and why delaying these conversations can limit future options. You’ll also hear why planning early matters, how long‑term care affects legacy goals, and the emotional toll that comes with navigating these decisions without a plan. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

A will alone may not protect the people you care about most. In this episode, Charleston’s Retirement Coach Brandon Bowen is joined by estate planning attorney Tripp Wiles to unpack how legacy planning really works—and where families often get tripped up. The conversation explores trusts, funding mistakes, blended‑family complications, and why estate planning is more than paperwork. Using real‑world examples, they explain how coordinating financial planning and legal strategy can help reduce conflict, confusion, and unintended outcomes for spouses, children, and grandchildren. 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.

With oil prices pushing above $100 amid escalating Middle East tensions, Brian Wiley and Jeremiah Bates open the show by breaking down what geopolitical shocks can mean for markets, inflation, and investor sentiment. They discuss more about how headlines surrounding energy prices and global conflict can amplify volatility, but also explain why long-term investors should focus more on portfolio structure and diversification rather than reacting emotionally to short-term news cycles. The conversation then shifts into deeper retirement planning strategy. Using real-world experiences, the guys walk through Roth conversion planning, including how investors with large IRA balances should think about converting money over several years to manage future taxes and required minimum distributions. They explore the trade-offs between converting aggressively versus managing tax brackets, how those decisions interact with Social Security timing, and why planning for unknown life expectancy makes retirement strategy more complex than simple math. Brian and Jeremiah also touch on broader financial planning topics including market volatility, inflation expectations, estate planning considerations, and the importance of having a coordinated strategy across taxes, investments, and retirement income.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts Jeremiah Bates & Brian Wiley ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

On this episode: Should you be backing off your risk in this crazy market? Haven’t saved enough? Maybe you can double your savings in retirement. What works better: Paying taxes now on your 401(k) or pay taxes later? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

If you don't get things right during this important window of time, your retirement likely won't be what you hoped... This 10 year period of time will determine the trajectory of your entire retirement. Prepare correctly and you will enjoy a fulfilling life without worry. Little preparation and poor execution and you will be wishing you could get a do over... Only problem is, you get one shot at retiring right the first time.

Retirement planning questions often intersect with global markets, tax decisions, and long-term investing strategy. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase examine listener questions while exploring how portfolio diversification, retirement readiness, and disciplined investing may help shape long-term financial planning. • Evaluate international vs. U.S. stocks when considering portfolio diversification and the potential influence of recency bias in investment decisions. • Assess global market trends and examine how diversified asset allocation may support a long-term retirement investing strategy. • Clarify narratives about the U.S. dollar's global reserve status and consider how central bank actions and global currency dynamics may influence markets. • Consider how owning large multinational companies in a U.S. portfolio may already provide meaningful international economic exposure. • Review how portfolio rebalancing may reposition a diversified investment portfolio when previously underperforming asset classes begin to recover. • Measure retirement readiness by evaluating total net worth and applying the “Rich Ratio” framework—assets divided by spending needs. • Examine how pension income, debt freedom, and lifestyle spending may influence long-term retirement stability. • Compare nondeductible IRA contributions with taxable brokerage accounts when evaluating tax treatment and long-term investment flexibility. • Evaluate strategies for managing financial windfalls, including the tradeoffs between mortgage payoff and directing additional savings toward long-term investments. • Identify foundational investing principles for young adults building wealth early in their careers, particularly when monthly investing contributions may fluctuate. Listen and subscribe to the Retire Sooner Podcast to hear Wes Moss and Christa DiBiase explore ongoing conversations about retirement planning, investment strategy, and long-term financial independence. 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 3486: Kathleen Coxwell explains that a secure retirement isn't just about how much you've saved, it's about building a flexible plan that evolves with your life. By defining your purpose, modeling different financial scenarios, and making strategic adjustments, you can turn uncertainty into a workable path forward. Her approach shows that even if you feel behind, there are practical ways to design a retirement that works for you. Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-retire-5-steps-to-a-secure-future-jump-in/ Quotes to ponder: "Maybe think about your retirement in five-year segments. Consider what you want to be doing and what will be important to you in each segment." "The cure for retirement block is the same as writer's block. Just jot some things down." "Anyone can retire at any level of income and savings: it is just a matter of spending less and making do." Episode references: Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Roger Whitney dives into practical strategies for navigating health care before Medicare, sharing insights from retirees, survey results, and listener questions. Together they explore real-world solutions for coverage gaps, timing withdrawals, and managing medical expenses in early retirement.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement but have confidence in your financial and life decisions.(00:40) Roger introduces the focus: pre-Medicare health care, survey insights, and practical strategies.LISTENER EXPERIENCES AND STRATEGIES(03:00) Roger shares experiences and questions from listeners navigating pre-Medicare coverage. They discuss timing COBRA versus ACA transitions, evaluating company retiree plans, managing risk when uninsured, and creative strategies like catastrophic insurance, health-sharing plans, and part-time work benefits. Listeners also explore using HSAs and inherited IRAs to manage costs and maximize subsidies, providing a broad view of practical approaches for early retirees.ROCKING RETIREMENT IN THE WILD(32:50) Jennifer retires at 59½, discovers watercolor painting, fitness classes, and increased spending patterns in early retirementSURVEY INSIGHTS(37:08) Roger summarizes key takeaways from over 400 survey respondents.SMART SPRINT(48:19) Action step: identify your “homies” for retirement planning. Notice how your closest relationships influence your retirement experience and take one step this week to strengthen those connections.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man

Chris’s Summary With Jim at the T3 conference in New Orleans, I am joined by Jake Turner to cover how to factor a defined benefit pension into retirement planning, using the situation of a 45-year-old law enforcement officer with a non-covered pension as the backdrop. We walk through evaluating his savings rate against the 15–20% rule of thumb, the lump sum equivalent value of his pension income, why the presence or absence of a COLA matters significantly, and how pension income fits into covering essential expenses over a long retirement. Jim’s “Pithy” Summary While I’m at the T3 conference in New Orleans, Chris and Jake use a listener’s situation to dig into retirement planning with a defined benefit pension. The listener is a 45-year-old law enforcement officer who has been contributing to his pension since day one but only started building outside accounts five years ago. He wants to know where he actually stands — and the answer is more nuanced than a simple savings rate comparison can capture. A big part of that nuance is whether the pension is a non-covered one, meaning it replaces Social Security rather than sitting alongside it. That single distinction changes how you benchmark the savings rate entirely, and it’s the kind of thing that gets glossed over when people just throw out rules of thumb without knowing what’s underneath them. Chris and Jake also get into how pension income fits against the Minimum Dignity Floor — and why a pension that looks rock solid at retirement can tell a very different story decades later if there’s no cost-of-living adjustment attached to it. There’s also a conversation worth hearing about lump sum options — what they’re actually worth, how to think about comparing them to the lifetime income stream, and why the big number isn’t always the better answer. If you have a defined benefit pension and you’ve been wondering how it fits into the bigger retirement picture, or whether you’re ahead or behind where you should be, this episode covers the framework for thinking it through. The post Retirement Planning With a Defined Benefit Pension: EDU #2610 appeared first on The Retirement and IRA Show.

Financial progress doesn't always come from big changes. Often, it's the small habits that make the biggest difference over time.In this episode, Miguel Gonzalez explains how small financial wins — like increasing savings by 1%, automating contributions, or cutting one minor expense — can build momentum and strengthen long-term financial confidence. Tiny steps taken consistently can lead to meaningful progress toward your financial goals.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 20 years of experience helping individuals and families build retirement income strategies and long-term financial stability. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, financial organization, and investment guidance.#MoneyHabits #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #WealthBuilding #PersonalFinanceWelcome 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/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

The SeniorLivingGuide.com Podcast welcomes bestselling author and retirement happiness expert Tom Marks for an enlightening conversation about embracing individualism in retirement. Drawing on personal stories, thought-provoking quotes, and decades of professional experience, Tom Marks shares how retirees can shed societal expectations and rediscover their unique identities after a lifetime defined by career, family roles, and possessions.Listeners will hear anecdotes ranging from Tom Marks's family history with Orville Redenbacher to playful discussions about fashion and music preferences, all underscored by a heartfelt message: retirement is a time to step to your own rhythm. Darleen Mahoney and Tom Marks delve into topics such as ageism, media stereotypes, the impact of social media, and the bittersweet realities of modern technology, including the rise of AI. Through relatable examples—including memories of a spirited grandmother and the joys of comfortable clothing—they remind seniors that it's never too late to live life unapologetically, pursue passions, and find genuine happiness.Whether you're newly retired, contemplating future transitions, or simply seeking encouragement to remain true to yourself, this episode offers wisdom, humor, and actionable takeaways for living out loud.SeniorLivingGuide.com Podcast sponsored by Best-selling Retirement Author,Tom Marks & TerraBella Senior LivingLinks to connect with Tom Marks: Coming of Age in Retirement & The Peaceful Retiree The background music is written, performed and produced exclusively by purple-planet.com.https://www.purple-planet.com/ SeniorLivingGuide.com Webinars and Podcast represents the opinions and expertise of our guests. The content here is for informational and educational purposes. It does not necessarily represent the views, recommendations, opinions or advice of Fairfax Publishing/SeniorLivingGuide.com or its employees 

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 3486: Kathleen Coxwell explains that a secure retirement isn't just about how much you've saved, it's about building a flexible plan that evolves with your life. By defining your purpose, modeling different financial scenarios, and making strategic adjustments, you can turn uncertainty into a workable path forward. Her approach shows that even if you feel behind, there are practical ways to design a retirement that works for you. Read along with the original article(s) here: https://www.newretirement.com/retirement/how-to-retire-5-steps-to-a-secure-future-jump-in/ Quotes to ponder: "Maybe think about your retirement in five-year segments. Consider what you want to be doing and what will be important to you in each segment." "The cure for retirement block is the same as writer's block. Just jot some things down." "Anyone can retire at any level of income and savings: it is just a matter of spending less and making do." Episode references: Social Security Administration: https://www.ssa.gov/ Learn more about your ad choices. Visit megaphone.fm/adchoices

If you're within 5–7 years of retirement or recently retired, you're entering what I call the Red Zone of Retirement — the most important stretch of your financial life.This is the decade where every decision you make can determine the next 20–30 years of your financial future.In this episode, Adam Olson, CFP®, sits down with TJ to break down:• How the Red Zone Retirement Planning Process was created• The patterns Adam saw after years of helping retirees• Why traditional financial planning often fails retirees• How the Go-Go, Slow-Go, and No-Go framework works• The step-by-step client journey through the Red Zone processThe Red Zone process was designed specifically for people approaching retirement who need clarity around income, taxes, investments, and long-term planning.Rather than focusing only on accumulation, this process focuses on what matters most:Turning decades of savings into reliable retirement income.You'll also hear real stories about how this framework has helped families retire with clarity, confidence, and peace of mind.Adam Olson is a Certified Financial Planner™ professional and retirement strategist who helps individuals and families prepare for and transition into retirement.He is the author of:• 21 Things You Need to Know About Money• What's Your Plan?• Red Zone Retirement PlanAdam created the Red Zone Retirement Planning Process to guide families through the most important financial decade of their lives.His goal is simple:Help people live every day of retirement like it's Saturday.Explore resources, schedule a meeting, or download Adam's book:Linktree:https://linktr.ee/adamolsoncfpThe Red Zone Retirement Planning Process is designed for:• Pre-retirees within 5–7 years of retirement• Recently retired individuals• High savers preparing to transition from accumulation to distribution• Families looking for clarity around taxes, income, and long-term planningAbout Adam OlsonLearn More / ConnectWho We HelpInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Like the show? Show your support by using our sponsors. Promotive can help you find your dream job. Touch HERE to see open jobs. Need to update your shop systems and software? Try Tekmetric HERERegister NOW for Tekmetric's Tektonic Conference coming up HERELaunch your tool game to the next level with Launch Tech USA! HEREIn this episode, Jeff is joined by JeanAnn SaintGrace, host of the BRAND NEW podcast in the Changing the Industry Network "Shop Talk Her Way". She's also an automotive shop coach and former shop owner. JeanAnn shares her journey from accidental shop ownership to building a business focused on profitability, people, and succession planning. Together, they discuss the importance of protecting technicians' pay and treating them like "racehorses," strategies for consistent profit to secure employee futures, and the emotional realities behind leadership and preparing for unexpected life events.Click here to listen to JeanAnn's podcast "Shop Talk Her Way"Timestamps:00:00 "Envying the Natural Puzzle Guys"19:50 "Managing Reputation in Business"25:14 Husband-Wife Power Dynamics in Business32:37 Technician Dynamics and Customer Communication41:43 "Survival Mode and Unequal Pay"57:25 "Challenges of Running a Shop"01:03:40 "Challenges of Transparency in Sales"01:14:02 "Proof Her Method Works"01:29:25 "Have a Plan for Uncertainty"01:42:32 Work-Life Balance Perspectives01:49:59 "Finding Purpose Through Positivity"01:58:19 "Resilience, Connection, and Legacy" Follow/Subscribe to the show on social media! TikTok - https://www.tiktok.com/@jeffcompton7YouTube - https://www.youtube.com/@TheJadedMechanicFacebook - https://www.facebook.com/profile.php?id=100091347564232

How much do you really need to retire—and does a single dollar number even make sense? In this episode, Frank and Frankie Guida unpack why widely quoted retirement figures like $1.6 million miss the mark for most people. The conversation focuses on income, timing, pensions, Social Security, taxes, and risk, showing how retirement readiness depends on personal circumstances, not averages. A practical discussion about shifting the focus from comparing balances to understanding cash flow and planning around the life you want to live. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Estate planning isn’t just about passing assets—it’s about preventing confusion and conflict. In this episode, Brandon Bowen is joined by estate planning attorney Tripp Wiles to break down how estate and legacy planning fit into a complete retirement strategy. The conversation covers wills versus trusts, probate, beneficiary designations, incapacity planning, and common misconceptions that leave families vulnerable. With a focus on clarity and coordination, this discussion highlights why estate planning matters for families of all sizes and why it’s a critical step many retirement plans overlook. 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.

Most people don’t have a retirement plan—they just have a pile of financial products. In this episode, Jim Fox explains why owning investments isn’t the same as knowing how retirement income will actually show up each month. He walks through the difference between accumulation and distribution, how to identify income shortfalls, and why planning beats guessing when markets, taxes, and life events collide. Using relatable analogies and real‑world examples, Jim highlights why retirement clarity comes from structure, not hope, and why having “a bunch of stuff” without a plan can quietly derail long‑term goals. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Big K Hour 2: Homebuying Tips, and Retirement Planning! full 1309 Mon, 09 Mar 2026 12:58:51 +0000 E6G3DLGxZOmTKwTqDtFC1XrVVYrxhRo8 news The Big K Morning Show news Big K Hour 2: Homebuying Tips, and Retirement Planning! The Big K Morning Show 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.co

Mark Cuban calls “buy and hold” the most misleading slogan in investing—so what does that mean for your retirement? From this past weekend’s radio show, Abe Abich breaks down the risky assumptions many investors make about retirement, from taxes and longevity to market volatility and income planning. The conversation explores why accumulation‑only thinking can fall short as retirement approaches and how shifting from pure growth to growth‑and‑income changes everything. A grounded discussion on planning for real life, not ideal scenarios. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Some retirement opportunities disappear the moment you miss them. From this past weekend’s radio show, Mike Douglas walks through the age‑based windows that shape retirement outcomes long before and after you stop working. The conversation covers key moments at 50, 55, 59½, 65, 70, and 73, along with the real‑world consequences of missing Medicare deadlines, Social Security timing, and required distributions. It’s a practical discussion about planning around rules, taxes, and life changes—before those options quietly close. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

Picture this: a 6'5" financial advisor squeezed into a tiny Mitsubishi Mirage, sparking laughter and life lessons on the highway. In this episode, Matt and Kyle kick things off with stories that just might make you spit out your morning coffee—and then swiftly steer you into the realities of retirement planning. How much should you actually be saving? Is your money destined for growth, or is it languishing in the financial equivalent of a go-kart? The answers are more surprising—and accessible—than you think.But don't get too comfortable in the passenger seat. From overlooked Roth strategies to the pitfalls of easy credit, the guys share candid stories and clever tips that could make the difference between retiring early or scrambling late. Whether you're starting out or thinking of changing lanes, they'll tease out truths you won't want to miss. So buckle up—because this episode packs both humor and hard-won wisdom, and the ride is just getting started.Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

On this episode: You buy something and they try to add on and add on. Is your financial advisor doing it too? Your risk profile: Where is your bottom? Or is that even the right question? This could be your biggest hurdle if you retire early. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Tripp Limehouse discusses the growing issue of loneliness among baby boomers, emphasizing the emotional aspects of retirement planning that are often overlooked. They explore the importance of social connections, the impact of divorce and geographic mobility on loneliness, and the necessity of income planning to ensure a successful retirement. The discussion also covers strategies for replacing income in retirement, the relevance of the 4% rule, and the benefits of real estate investments and tax strategies, including depreciation and 1031 exchanges. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Roger Whitney shifts from financial planning to the non-financial pillar of relationships, sharing a live conversation with Harry Reis about how to feel more loved and connected in retirement. Together they explore the science behind belonging and loneliness, introduce practical mindsets for deepening relationships, answer listener questions, and close with the team's latest book recommendations.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement but have the confidence and clarity to lean in and rock it.(00:27) Roger outlines the month ahead: a focus on relationships, an upcoming financial deep dive with Wade Pfau, wisdom from retirees navigating health care before Medicare, a candid discussion on retirement calculators, and a live Noodle hangout.CONVERSATION WITH HARRY REISS(02:00) Roger introduces Harry Reis, co-author (with Sonja Lyubomirsky) of How to Feel Loved, for a conversation recorded live in the Rock Retirement Club.(05:17) Roger asks Harry what led him down the path to study relationships and partner with Sonja Lyubomirsky for the book.(15:00) Harry talks about the loneliness epidemic and the effects of not feeling loved.(17:45) Roger and Harry talk about the obstacles and myths of being loved. (23:15) Harry introduces the sea-saw framework for relationships.(27:00) Harry shares practical mindsets for strengthening connection, including listening to learn, radical curiosity, multiplicity, and mutual vulnerability.(43:30) Roger reflects on why this is important.LISTENER QUESTIONS(45:00) Listeners share questions about one-sided conversations, vulnerability, and love languages, leading to practical discussion about compatibility, communication, and choosing people willing to “play seesaw.”WHAT'S ON THE BOOKSHELF?(58:00) The team shares recent reads.SMART SPRINT(1:05:55) Consider one relationship you want to deepen. Practice listening to learn this week. Ask one more follow-up question than you normally would and notice what happens.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManHow to Feel Loved  by Sonja Lyubomirsky and Harry Reis

Financial confidence is one of the most powerful tools for long-term independence.In honor of Women's History Month, Miguel Gonzalez shares practical steps women can take to build clarity, strengthen saving habits, increase financial literacy, and advocate for their financial future. Whether you're managing your own finances, contributing to household decisions, or planning for retirement, building confidence starts with small, consistent actions.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 20 years of experience helping individuals and families plan for retirement income, investment management, and long-term financial stability. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning and financial wellness.#WomenAndWealth #FinancialConfidence #WomensHistoryMonth #CortburgSpeaksRetirement #MiguelXGonzalez #FinancialWellnessWelcome 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/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

In this episode, Lauren Lewis visits ACSI and sits down with James Brand, President, and Kristen Huffcut, Senior Relationship Manager, to discuss the complexities of retirement plans and why many employers struggle to manage them. ACSI is a third-party administrator (TPA) specializing in retirement plan compliance, administration, and support for small and mid-sized businesses. Their team helps companies navigate the legal, operational, and regulatory requirements behind retirement plans so business owners can focus on running their organizations. Lauren, James, and Kristen discuss: What a Third-Party Administrator (TPA) actually does Why retirement plans are becoming more complex The impact of legislation like Secure 2.0 and New York Secure Choice Why many companies run into compliance problems The role of TPAs in fixing plan issues and avoiding costly penalties Why local expertise and real relationships matter in retirement planning How retirement benefits help companies attract and retain talent The importance of proactive guidance instead of reactive problem-solving James also shares his unique career journey, from working in finance in New York City, to returning to Buffalo and eventually becoming President of ACSI. Kristen explains how her experience working with retirement plans from the advisor side led her to join the ACSI team and help businesses deliver a true white-glove service experience to their employees. If you're a business owner, HR professional, or financial advisor navigating retirement plan compliance and employee benefits, this episode breaks down the pain points behind retirement planning and how to solve them. 

Confused by the Roth IRA 5-year rule? Did you know there are two different 5-year rules? Well, it can get quite confusing, so this episode is meant to be your complete guide for everything around the Roth 5-year rules.

How much do you really need to retire—and why do the headlines get it so wrong? Damon Roberts and Matt Deaton break down why generic savings targets create unnecessary fear and overlook the realities of income, spending, and lifestyle. The episode dives into common withdrawal mistakes, market volatility, and the psychology of spending in retirement. Rather than focusing on a magic number, the discussion centers on building confidence through income planning and understanding how money actually works once paychecks stop. 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.

In this episode of Retire with Style, Alex and Wade explore the role of Social Security in retirement planning. They examine when to claim benefits, the tradeoffs between early and delayed claiming, and ongoing concerns about the program's long term funding. The discussion highlights how Social Security fits into a broader retirement income strategy and why understanding its value is essential for making informed financial decisions. Listen now to learn more!   Takeaways The Retirement Planning Guidebook is updated for new tax rules. Social Security benefits can be claimed between ages 62 and 70. Delaying Social Security can provide higher lifetime benefits. Higher earners should consider delaying benefits for survivor benefits. Social Security is a pay-as-you-go system with funding challenges. The trust fund is projected to deplete by 2034, but benefits won't disappear. The present value of Social Security benefits can be substantial, often exceeding $500,000. Claiming early can lead to significant lifetime benefit differences. Understanding life expectancy is crucial in deciding when to claim benefits. Social Security reforms can be designed to ensure its sustainability. Chapters 00:00 Introduction to Retirement Planning and Social Security 02:05 Understanding Social Security Benefits 03:40 When to Claim Social Security 11:03 The Debate on Claiming Early vs. Delaying 18:02 Concerns About the Future of Social Security 24:44 The Importance of Social Security in Financial Planning   Links

That first meeting with a financial advisor feels intimidating—until you know what actually happens. Jackie Campbell walks through what to expect from an initial consultation and why preparation matters more than perfection. The episode also highlights six milestone birthdays that can quietly impact taxes, penalties, Social Security, and Medicare costs. It’s a practical conversation about organization, timing, and why knowing these age‑based rules can change the long‑term outcome of a retirement plan. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Markets are at record highs, but retirement isn’t a time to guess. On this episode Kevin Madden breaks down why shifting from growth to income requires more than just selling stocks when nerves kick in. He explains the balance between offense and defense, how hidden fees and excess risk can quietly erode savings, and why steady, reliable income matters more than chasing returns. Through real-world examples, the conversation focuses on turning long-term savings into sustainable income while managing volatility and protecting lifestyle choices in retirement. 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.

What if the biggest threat to your retirement isn’t the market, but debt, taxes, and family obligations that quietly drain your resources? In this episode, Jim Fox breaks down why income—not just returns—is the key to enjoying retirement, and how managing debt, understanding taxes, and setting boundaries with adult children can make or break your financial future. Discover why a personalized plan matters more than one-size-fits-all advice, and how to make decisions that let you sleep at night—even if they aren’t “optimal” on paper. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

School taught trigonometry and the recorder—but skipped the money lessons that matter most. In this episode of Empower Your Retirement, Frank and Frankie Guida of A Better Way Financial talk about the financial basics many people were never taught and why that leads to uncertainty later in life. The conversation focuses on common retirement questions people feel embarrassed to ask, the value of slowing down complex financial topics, and how understanding income, taxes, and planning decisions can change how retirement is approached. It’s a practical discussion about learning what you don’t know and why asking questions matters. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

The financial news throws around terms that are hard to understand. Let’s break it down for you. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the most common questions in Retirement Planning today: how much cash is too much cash? With Money market rates falling and Interest rates 2026 expected to continue shifting, many retirees are rethinking their cash reserves in retirement. What once felt safe and productive at 5% in a money market or CD now may be losing ground to inflation and creating unintended tax consequences.Listen in to learn about how a proper Retirement financial plan helps determine the right balance between liquidity and long-term growth. Whether you're saving for retirement, saving for retirement at 50, or already focused on Retirement income planning, this episode will walk you through how the Three bucket strategy can help you protect your lifestyle, manage Taxes on interest income, avoid surprises with Medicare income and IRMAA income, and ultimately retire comfortably while maintaining flexibility and peace of mind.In this episode, find out:Why having too much in your Cash bucket could hurt your long-term Retirement investing strategyHow declining Money market rates and Interest rates 2026 impact your retirement savingsThe hidden impact of Taxes on interest income and how excess cash can increase Medicare income and IRMAA incomeHow inflation erodes cash savings and affects Inflation savings over timeHow the Three bucket strategy supports a balanced plan for retirement and helps secure your retirementTweetable Quotes:“Cash feels safe, but too much cash in the wrong environment can quietly cost you millions over a 30-year retirement.” – Radon Stancil“Your financial plan should drive how much cash you hold — not today's money market rate.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this episode of Built For Life, Not Just Wealth, Ryan Burklo and Alex Collins discuss the concept of true liquidity in retirement planning. They emphasize the importance of having a financial strategy that allows retirees to access funds without being negatively impacted by market downturns. The conversation covers various strategies for managing retirement income, the significance of maintaining a true liquidity bucket, and real-life examples illustrating the benefits of this approach. The hosts also address common misconceptions about market timing and the role of interest rates in retirement planning, ultimately advocating for a balanced approach to financial security. Check out our website:  https://www.builtforlifenotjustwealth.com/ Find us on YouTube: https://www.youtube.com/@builtforlifenotjustwealth/ Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #BuiltForLifeNotJustWealth #retirementplanning #trueliquidity #marketdownturns #investmentstrategies #financialsecurity #wealthmanagement #cashflow #retirementincome #financialplanning #riskmanagement   Takeaways True liquidity is essential for retirement planning. Retirees often face challenges when markets are down. Having a true liquidity bucket can mitigate financial stress. It's important to have a strategy for accessing funds during downturns. Market timing is not a reliable strategy for retirees. Understanding the emotional aspect of financial decisions is crucial. Real-life examples illustrate the benefits of true liquidity. Interest rates play a significant role in retirement planning. A diversified approach can enhance financial security. Planning should be proactive and tailored to individual needs. Chapters 00:00 Introduction to True Liquidity 03:38 Understanding True Liquidity and Its Importance 06:29 Market Timing vs. True Liquidity 10:08 Real-Life Examples of True Liquidity 16:07 Comparative Analysis of Market Conditions 21:27 The Emotional Aspect of Retirement Planning 23:29 The Need for a True Liquidity Bucket 26:15 Conclusion and Call to Action

Today on Chicks on the Right, we sit down with Zach Abraham of Bulwark Capital Management to break down a major shift among 25–39 year olds: investing over home buying. With new data from JP Morgan showing young Americans pouring money into the stock market instead of real estate, we ask the big questions: Is this smart? Are they building wealth—or gambling? And what happens when “squirrel investing” takes over? We dive into: * Why chasing crypto, Forex, and meme stocks rarely works * The myth that “everyone can beat the market” * Why diversified ETFs still win long term * Elon Musk's claim that you don't need to save for retirement * AI replacing junior analysts—and how to stay indispensable * Inflation, money printing, gold at $5,100, silver at $83 * Why sitting in cash could be your biggest mistake * Commodities, natural resources, oil, copper, and real assets * How to invest wisely without going full-time Wall Street If you're worried about inflation, AI disruption, retirement savings, or whether you should buy a house or buy stocks—this episode is for you. Schedule your FREE risk review from Bulwark Capital at https://KnowYourRiskPodcast.com Subscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore InfoWebsite

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 3473: Cynthia Meyer explores the hidden risks and complexities of self-directed IRAs, breaking down why the promise of alternative investments like real estate or private equity isn't always as appealing as it sounds. She highlights the higher fees, potential tax traps, liquidity issues, and fraud risks that can catch investors off guard. By walking through who might truly benefit from an SD-IRA, Meyer helps listeners decide whether this strategy fits into a well-diversified, retirement-ready plan. Read along with the original article(s) here: https://www.financialfinesse.com/2016/04/18/are-self-directed-iras-a-good-idea/ Quotes to ponder: "Many alternative investments available in SD-IRAs carry a high risk of losing all or most of your money due to lack of diversification or the inherent risk of the investment itself." "Beware of investing in anything you don't understand and can't explain easily to others." "Remember, if it sounds too good to be true, it probably is." Episode references: Bankrate – Self-Directed IRA: What You Need to Know: https://www.bankrate.com/retirement/self-directed-ira/ Learn more about your ad choices. Visit megaphone.fm/adchoices

After a decade of outperformance, U.S. stocks have recently cooled. Peter and Jeff name several factors contributing to this shift, share major factors in the United States' favor long term and discuss where else investors are going with their dollars. Plus, get their tips of the month.  Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips! Important Legal Disclosure: creativeplanning.com/important-disclosure-information/ Have questions or topic suggestions?  Email us @ podcasts@creativeplanning.com

For investors nearing retirement, decisions surrounding pension elections and portfolio discipline require careful analysis. In this episode, we examine two foundational areas of retirement planning.First, we discuss the mechanics of portfolio rebalancing and its role in maintaining intended risk levels over time. Second, we analyze a real world pension scenario involving a $60,000 lifetime annuity versus a $1.2 million lump sum. The conversation explores income durability, estate impact, Monte Carlo outcomes, liquidity considerations, and how a personal pension strategy can alter long term results.This episode is intended to provide structured perspective for those evaluating significant retirement decisions.Learn more at swpconnect.com

Roger Whitney wraps up the four-part series on navigating health care before Medicare by introducing a practical decision-making framework using the OODA Loop—observe, orient, decide, act—to help you avoid unforced errors and make a confident judgment call. He walks through organizing your retirement cash flow, estimating MAGI and ACA subsidy eligibility, evaluating COBRA, ACA, and private coverage options, and weighing tax optimization against simplicity and continuity of care. He's joined by Taylor Schulte of Define Financial to discuss how professionals navigate Roth conversions, Social Security timing, ACA cliffs, and the trade-offs between optimizing for subsidies versus long-term tax planning.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the final week of the health care before Medicare series and previews upcoming episodes with Harry Reese (co-author of How to Feel Loved) and retirement researcher Wade Pfau.PRACTICAL PLANNING SEGMENT(02:30) Roger reviews the three “heads” that must be managed before Medicare- cost, continuity of care, and complexity.(03:30) Roger talks about avoiding unforced errors that could cost you money, disrupt care, or create unnecessary stress.(05:18) Roger introduces the OODA Loop—observe, orient, decide, act—as a practical way to think step by step about health coverage choices. (05:52) Observe: Build a 5-year retirement income and spending plan, estimate taxes and MAGI, identify where you fall relative to the ACA subsidy cliff, and review withdrawal sources (taxable, pre-tax, Roth) along with future RMD implications.(14:21) Orient: Clarify what matters most to help you make a decision.(20:00) Decide & Act: Choose a direction, document your reasoning, update your plan of record, and implement the distribution strategy that supports your choice.CONVERSATION WITH TAYLOR SCHULTE(22:25) Roger introduces Taylor Schulte from Define Financial(23:15) Why health care before Medicare shouldn't automatically delay retirement and how assumptions often go untested.(26:50) Evaluating alternatives beyond ACA, including COBRA as a short-term bridge and private plans.(31:50) The tension between Roth conversions and ACA subsidies, and how Social Security timing affects MAGI.(34:20) Avoiding the “optimization trap”: sometimes paying more for simplicity still results in a resilient retirement plan.(36:40) The key takeaway is that there's no perfect answer—retirees should explore options, make informed decisions without fear, and use healthcare planning as a tool rather than a barrier or excuse to delay retirement.SMART SPRINT(43:35) Set a reminder to review your health care strategy using a structured approach—especially if retirement or Medicare enrollment is approaching. The goal is to be intentional, not reactive.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManKaiser Family Foundation (KFF)Healthcare.govDefine Financial- Taylor SchulteStay Wealthy Retirement Show- Taylor Schulte (podcast)

Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money runs out. Can he build some kind of financial safety net for them without ruining his own retirement? Jemma's 82-year-old mom is drawing down her portfolio. Is locking in guaranteed income with an annuity a smart move, or could that create new problems down the road? Plus, "Cookie and Gerry" want to walk away from work before 50 with a big brokerage account and a pension. Are they positioned correctly? How can they avoid pulling the wrong levers at the wrong time? And "Fred and Wilma" are staring at a potential multi-million-dollar ESOP payout. What levers do they need to pull so they can retire at 46 and shout "Yabba Dabba Doo"? Free Financial Resources in This Episode: https://bit.ly/ymyw-570 (full show notes & episode transcript) 10 Steps to Improve Investing Success - free download What to Do When the Stock Market Gets Crazy - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:57 - Can I Afford to Be My Parents' Retirement Plan? (Daniel, Texas) 07:07 - Will an Annuity Really Save Mom From Running Out of Money? (Jemma) 15:07 - Can We Retire in Our Early 50s With a Pension and a $190K Spend? (Cookie and Gerry) 30:39 - Can We Retire Early at 46 With a $4M ESOP and a $210K Spend? (Fred and Wilma, CA) 44:23 - Outro: Next Week on the YMYW Podcast