Podcasts about retirementthe

When we think about retirement, most of the conversation centers around finances. But what if that's only part of the story? In this episode, I'm joined by the incredible Monique Rhodes to talk about the part of retirement planning no one's really talking about...the emotional and mental transition.Monique shares why so many women hit retirement age and find themselves feeling lost, disconnected, or even invisible, despite doing everything they were “supposed” to. Together, we unpack the loss of structure, identity, and purpose that can come when careers end and roles shift and how to intentionally plan for what comes next.Whether retirement is around the corner or years away, this conversation is filled with perspective-shifting insight and gentle encouragement to start thinking about the whole picture—your time, your joy, your relationships, and your purpose.In This Episode, We Talk About:Why financial planning isn't enough to feel fulfilled in retirementThe identity shift that can leave women feeling untetheredThe emotional toll of losing everyday social connectionsHow to start building a meaningful post-retirement life before you get thereConnect with Monique:www.facebook.com/moniquerhodesofficialwww.instagram.com/moniquerhodesofficialFree Training on How to Design a Retirement Rich in Purpose, Connection & Happiness: theretirementroadmapacademy.com/workshop ________________________________Overwhelmed? Frazzled? Tired of your calendar controlling you?You are in the right place! Sign up for this free, on-demand training and learn how to gain control of your time no matter what life throws at you!>>> https://www.megansumrell.com/freetraining ________________________________Thanks for tuning in!Megan

Snag Our Simplified Budget System!Budget Besties, grab your coffee and your confidence — because this episode is all about stepping into your power as the CFO of your home, even if you're not bringing in a paycheck.

In this second episode of our two-part series with Jane Wrightson, New Zealand's Retirement Commissioner, we dive deeper into the future of retirement and how today's choices can and will impact tomorrow's freedom. This episode, tackles some thought-provoking issues and projections, and could be a game-changer for those trying to secure a more comfortable future. This week's episode covers:How retirement is changing both in New Zealand and globally, reflecting longer lifespans and economic shiftsThe concept of FORO (fear of running out) and strategies to mitigate this fear by planning for a potentially 30-year retirementThe trend towards working past traditional retirement ages, and how this can sometimes be choice and for others necessityChallenges future retirees might face, especially those not owning their homes outright or dealing with escalating health costs as they ageTips n' tricks to ensure you're planning for retirement (no matter how far away it is!) with the right goals and plan in mindResources mentioned in this episode:Sorted: The Retirement Commission's very own (and world famous on this podcast) online resource for financial planning tools and information.Commission for Financial Capability: Offers guidance on retirement planning and financial security.Through these discussions, listeners can gain valuable insights into preparing for a retirement that may look very different from today's standards. Whether you're just starting to think about saving or you're adjusting your existing plans, this episode provides insights and tips for navigating the complexities of retirement planning.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Ever wondered how to strategically convert your Traditional IRA or 401(k) into a Roth IRA without getting hit by unexpected taxes? You're not alone! In this episode, you'll learn exactly how Roth conversions work, why planning your conversions is crucial, and how to easily calculate the taxes you'll owe using the Charles Schwab Roth Conversion calculator.Converting your retirement savings to Roth isn't an all-or-nothing deal. I'll guide you step-by-step to strategically spread conversions over multiple years to minimize taxes and maximize your long-term wealth. Plus, you'll discover how Roth accounts help you avoid Required Minimum Distributions (RMDs) and why Roth IRAs provide significant advantages for beneficiaries—giving you peace of mind knowing your heirs inherit tax-free wealth.Don't let Uncle Sam catch you off guard—start planning now and take control of your retirement!In this video, you'll learn:How to strategically convert your Traditional IRA or 401(k) to a Roth IRA/401(k)The tax implications of Roth conversions and how to minimize your tax billHow incremental conversions over time protect your financial futureWhy avoiding Required Minimum Distributions (RMDs) matters for your retirementThe benefits of passing Roth IRAs to your beneficiaries tax-freeTools Mentioned:Charles Schwab Roth Conversion Calculator (demonstrated step-by-step)Who Should Watch:Anyone nearing retirement looking to reduce future tax obligationsInvestors interested in maximizing their retirement wealthIndividuals concerned about leaving a tax-efficient inheritance to their heirsSubscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!Articles Referenced:Vanguard Roth vs Traditional: https://investor.vanguard.com/investor-resources-education/iras/roth-vs-traditional-ira2025 Federal Tax Brackets: https://www.nerdwallet.com/article/taxes/federal-income-tax-bracketsCharles Schwab Roth Conversion Calculator: https://www.schwab.com/ira/ira-calculators/roth-ira-conversionState Tax Brackets: https://taxfoundation.org/data/all/state/state-income-tax-rates/Required Minimum Distributions: https://smartasset.com/retirement/rmd-tableIRS Retirement Beneficiary Guide: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#RothIRA #RothConversion #IRAConversion #RetirementPlanning #TaxPlanning #PersonalFinance #FinancialFreedom #RetirementStrategy #InvestingTips #CharlesSchwab #401k #RetirementSavings #WealthManagement #TaxFree #Investing #EstatePlanning #FinancialEducation #MoneyTips #IRA #RetireEarly #RMD #PassiveIncome #SmartMoney #TaxStrategy #FinanceGoals #RetirementGoals #Taxes #RetirementIncome

Ready to unlock your Property Investment game in 2025? Grab your FREE copy of our Buy-To-Let Hotspots guide today! https://bit.ly/buy-to-let-hotspotsguide-2025 ——————————————————————In this episode of This Property Life Podcast, hosts Sarah Blaney and Nick Claydon get into the realities of pensions and why many people are unknowingly sleepwalking into financial struggles in retirement. They discuss how traditional pensions may not be enough and property investment as a viable alternative for financial security.Expect to Learn:Why relying solely on a pension might leave you short in retirementHow much you actually need to save each month to maintain a comfortable lifestyle post-retirementThe power of property investment how buy-to-let, HMOs, and commercial properties can generate reliable passive incomeWhy pensions don't always keep up with inflation, but property investments doPractical steps you can take today to start building wealth through propertyEpisode Breakdown with Timestamps:[00:01:23] – Introduction: Why pensions alone may not be enough for retirement.[00:03:49] – Nick & Sarah's Reality Check: The shocking truth about pension shortfalls. [00:12:49] – How Much You Really Need: The numbers behind a comfortable retirement. [00:19:27] – Alternative Strategies: Why property investment offers more control and security.[00:29:47] – Buy-to-Let, HMOs & Commercial Property: Which strategy fits your goals?[00:39:22] – Next Steps: How to take action now and secure your financial future.This Episode is Kindly Sponsored by:Visit thispropertylife.co.uk for more resources and event tickets.Follow This Property Life Podcast on Socials:Website:https://thispropertylife.co.uk/ Instagram: https://www.instagram.com/thispropertylife/# Facebook: https://www.facebook.com/profile.php?id=61564457166712&locale=en_GB LinkedIn: https://www.linkedin.com/company/this-property-life-podcast/about/ Tiktok: https://www.tiktok.com/@thispropertylife?lang=en YouTube: https://www.youtube.com/channel/UCtmPj98bC6swNuYRCaUGPUg Twitter: https://x.com/propertylifepod Hosted on Acast. See acast.com/privacy for more information.

WHO WOULD YOU RATHER BE/VOTE FOR?Home Depot co-founder, GOP donor Bernie Marcus dead at 95. Berne endorsed Trump in November… 2023 and said two years ago that “Nobody works, nobody gives a damn. Just give it to me. Send me money. I don't want to work — I'm too lazy, I'm too fat, I'm too stupid. We used to have free speech here. We don't have it. The woke people have taken over the world. You know, I imagine today they can't attack me. I'm 93. Who gives a crap about Bernie Marcus?” WHO WOULD YOU RATHER BE?Lead “Independent” Director Gregor BrennemanCEO Ed Decker already on boardDoesn't have to sit on any committees (all other independent directors sit on at least two)$380,000 in pay last year to meet 11 times; one of two directors who didn't even give to charity as part of the board's matching charitable contribution programHas an actual voice that matters (14%); CEO has 25%Director Gerard Arpey$315,000 despite low pressure (only 3% influence)No leadership rules: sits on Nominating Committee with four other directors and FInance Committee with 5 other directorsDoesn't even have a “Real” job: says he has been a partner in Emerald Creek Group, a private equity firm since 2012. Prior to his retirement in 2011, he served as CEO of AMR CorporationEmerald Creeks's website is a picture of an orange grove. In the “news” section of the website the last listed event was from November 29, 2011: Arpey Joins Emerald Creek GroupMeta Permits Its A.I. Models to Be Used for U.S. Military Purposes.Meta will allow U.S. government agencies and contractors working on national security to use its artificial intelligence models for military purposes.Meta said that it would make its A.I. models, called Llama, available to federal agencies and that it was working with defense contractors such as Lockheed Martin and Booz Allen as well as defense-focused tech companies including Palantir and Anduril.Meta's move is an exception to its “acceptable use policy,” which forbade the use of the company's A.I. software for “military, warfare, nuclear industries,” among other purposes.WHO WOULD YOU RATHER BE?Meta Platforms Emperor Mark Zuckerberg72% influence; 61% voting powerWorld's 4th richest person: ~$200BBlah blah blahMeta director John Arnold1% influenceMember on only one committee (Audit & Risk) with 4 other membersNo other directorships; only have a BAreceived an $8M bonus from Enron just before the company filed for bankruptcy; the largest cash bonus ever distributed by the company. Known as "king of natural gas”You work at a place named after you (Arnold Ventures) and you're still just the co-founder and co-chairYour board appointment was announced on Valentine's DayPay will be roughly $500,000 annually. He also received two initial equity grants worth $1.4M In 2007, Arnold became the youngest billionaire in the U.SBoeing Union Approves New Contract, Ending Costly StrikeLeaders of the International Association of Machinists and Aerospace Workers district in Seattle said 59% of members who cast ballots agreed to approve the company's fourth formal offer and the third put to a vote.The new contract will raise wages more than 43 percent cumulatively over the next four years, an improvement over the two previous offers. The first proposal would have raised wages just over 27 percent.The deal also includes a $12,000 ratification bonus, which is four times as much as the bonus in the initial offer, and productivity bonuses.However, Boeing refused to meet strikers' demand to restore a company pension plan that was frozen nearly a decade ago.Bank of America analysts estimated last month that Boeing was losing about $50 million a day during the now-ended strikeWHO WOULD YOU RATHER BE?Current CEO Kelly Ortberg, who inherited a messOr former CEO David Calhoun, who got to step down when he felt like it and got $98M in total summary compensation since 2020Kroger Finalizes $1.37 Billion Opioid Crisis SettlementUnder the agreement, which wasn't an admission of wrong doing or liability by Kroger, the company agreed to pay about $1.2 billion over 11 years and around $177 million over a six-year period, each in equal installments. WHO WOULD YOU RATHER BE?CEO and Chair Rodney McMullen since 2014$94M pay since 2019; ; holds $350M in Kroger stockPay ration 502:1; median associate for 2023 was $31,302; received $600k in dividend payments in 202492% shareholder supportNora A. Aufreiter, chair of the Public Responsibilities Committee that met a whopping 3 times last year; served on our Public Responsibilities Committee for nine years, the last four as chairDirector Emeritus of McKinsey & Company; retired in 2014 after more than 27 years with McKinsey$321,000 last year; holds $3M in Kroger stock98% support from shareholders; 99% last year2% board influence despite having served for a decadeElon Musk and X are epicenter of US election misinformationFalse or misleading claims by billionaire Elon Musk about the U.S. election have amassed 2 billion views on social media platform X this year, according to a report by non-profit group Center for Countering Digital Hate.The platform is also playing a central role in enabling the spread of false information about the critical battleground states that will likely determine the outcome of the presidential raceWHO WOULD YOU RATHER BE?Someone who drives a TeslaOr someone who drives literally anything else, including the vehicle from this headline: Guy makes “dodgy e-bike” from 130 used vapes to make point about e-wasteSouthwest Airlines names Rakesh Gangwal as board chair following Gary Kelly's retirementThe airline brought in the co-founder of India's largest carrier Indigo to its board in July despite criticism from Elliott Investment Management at the time.Gangwal bought Southwest shares worth more than $100 million last month before the airline settled its boardroom feud with Elliott in a deal that allowed CEO Bob Jordan to retain his job by making bigger board-level concessions.Co-founder IndiGo Airlines, former CEO and Chair at US Airways Group; served on the boards of CarMax, Office Depot, OfficeMax and PetSmartWHO WOULD YOU RATHER BE?Rakesh Gangwal Former Southwest CEO and Chair Gary Kelly who remains on the board at Chairman EmeritusNow longest-tenured independent director Douglas BrooksNo leadership roles; owns over $2M in stock; made $305K for board service last year(iii) while serving on the Board, free travel on Southwest Airlines for the Director, the Director's spouse, and the Director's children, as well as 50 one-way flight passes annually that may be used for free travel on Southwest Airlines on an unrestricted basis, and an additional 50 one-way flight passes annually for use by qualified charitable and 501(c)(3) organizations;(iv) subsequent to Board servicea lifetime privilege of 50 one-way flight passes annually that may be used for free travel on Southwest Airlines on an unrestricted basis;lifetime free travel on Southwest Airlines for the Director and the Director's spouseif the Director is deceased, free travel on Southwest Airlines for the Director's spouse for the lifetime of the spouse$75,000 cash when he retiresBarry Diller calls timing of The Washington Post's non-endorsement a ‘blunder'To Barry Diller, a friend of Amazon founder Jeff Bezos, the decision for The Washington Post not to endorse a candidate in tomorrow's presidential election was “absolutely principled” — and poorly timed, he said MondayWhich Barry Diller directorship would you vote for?Expedia Group (27%)Chair and Senior Executive $7MMore influence than CEO Peter KernNearly $2B in equity; about 49% in voting powerThe Coca-Cola Company (8%)$12M in shares; $300k annual pay; 3 board committeesMGM Resorts (9%)One committee no leadership; no board pay; IAC owns 20% of MGM equity ($2.3B)IAC (65%)Chair and Senior Executive $3M43% voting power; $650M equityLet's end in Omaha, where the small Nebraska district may decide our next president: Warren Buffett skipped endorsing a presidential candidate this election as many CEOs retreat from politics. WHO WOULD YOU RATHER BE?America's cuddly rich man Warren Buffett, 93 years old and currently 7th richest in world at ~$140B, who doesn't even have to take a stand.Or nepo babies Howard Buffett and Susan Buffett, who sit on the Berkshire board and will be inevitably looked at as failures when the company loses its luster after daddy dies.Or non-Berkshire director and nepo baby Peter Buffett who, after dropping out of Stanford University, used the proceeds of his inheritance from his grandfather to pursue a career in music

Retirement used to be a cliff edge: you'd be working one week, and gardening the next. That's changing. Now, retirement can mean working on the things you enjoy at a slower pace, and staying engaged with new ideas. Isabel Berwick speaks to author, columnist and Harvard Professor Arthur C Brooks on the science of flourishing in later life, and what older brains can do that younger ones can't. Later, Isabel talks to former FT journalist Michael Skapinker about the importance of staying engaged with old colleagues and new ideas – even if you're not doing the same thing every day.Want more? Free links:It's time we stopped talking about retirementThe sun is setting on traditional retirementPresented by Isabel Berwick, produced by Mischa Frankl-Duval, mixed by Simon Panayi. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT's head of audio.Read the transcript of this episode which was first aired in December 2023 on FT.com Hosted on Acast. See acast.com/privacy for more information.

According to a Vanguard study, 1 in 2 working-age Australians have either not made contact in the last 12 months or indeed never made contact at all with their superannuation (this includes just visiting the fund's website!). This is a big problem, given how important it is to engage with your super as early as possible.In this episode we break down the reasons why you should not be ignoring your super.In today's episode we cover: Why super is more than a financial product; it's a means to achieve choice and comfort in retirementThe substantial tax advantages of superHow too many Aussies aren't engaged with their super and what you can do to change itWhy super is the foundation of retirement, and the income required to live comfortably—------Thank you to Vanguard Super for sponsoring this episode. Extend your investment success with Vanguard to your Superannuation. Head to vanguard.com.au/super to explore Vanguard Super. —------Have an investing question?Ask via our website and we'll answer it on the podcast.Join the conversation in the Facebook Discussion GroupOr get put in touch with a professional financial advisor by filling out this formWant more Equity Mates?Sign up to our email to keep up with business news Listen to our basics-of-investing podcast: Get Started Investing (Apple | Spotify)Watch Equity Mates on YouTubePick up our books: Get Started Investing and Don't Stress, Just Invest—------In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. —------Equity Mates Investing is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697. Hosted on Acast. See acast.com/privacy for more information.

The decision to invest in a college education carries more weight today than ever before. With escalating costs and evolving job markets, the question isn't just about getting a degree; it's about making smart financial choices for the future. In this episode, I tackle the critical aspects of investing in education and the nuances of funding college. It's a deep dive into balancing the scales of knowledge acquisition and savvy financial planning.I also explore various financial vehicles like UTMA, UGMA accounts, 529 accounts, Roth IRAs, and others, dissecting their advantages and potential pitfalls. It's not just about choosing the right account; it's about understanding how these decisions ripple through your financial life.So make sure to catch this episode – it's packed with insights that could be vital in securing a stronger financial future for you and your family. IN TODAY'S EPISODE, I DISCUSS: Tax implications and benefits of UTMA/UGMA accounts versus 529 and Roth IRAsStrategies for paying for college without jeopardizing your retirementThe true cost of student loans and how to guide your kids towards financial savvinessRECOMMENDED EPISODES FOR YOU If you liked this episode, you'll love these ones:Which is Better High Yield Savings Accounts or CDs?How to Do Money Right As a FamilyBuild Wealth & Live a Rich Life at Any Age (My son's journey)Wealth By The Decade - Roaring 20sTAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com  OTHER RESOURCES:7-Day Money Plan Workshop: https://www.TheMoneyPlanWorkshop.comAffluent Entrepreneurs Private Facebook Group https://www.melabraham.com/group/CONNECT WITH ME:Website: MelAbraham.comYouTube: MelAbraham.com/tubeInstagram (@melabraham9): MelAbraham.com/igFacebook Group: MelAbraham.com/group/TikTok: https://www.tiktok.com/@melhabrahamGET MY BOOK:“The Entrepreneur's Solution The Modern Millionaire's Path to More Profit, Fans, & Freedom” – melabraham.com/book/Go to AskMelNow.com to let me know how I can serve you and your financial journey

Welcome to a Wide World of Sports update. A snapshot of the latest sport stories from the 9News team including: Matthew Leckie's injury, Melbourne Storm and Newcastle Knights will play the first ever NRL-sanctioned rugby league match in Fiji, and Champion jockey Damien Oliver is preparing for his final ride before heading into retirementThe biggest sport stories in less than 5 minutes delivered twice a day, with reports from the 9News team across Australia and overseas. Subscribe now to make it part of your daily news diet.  See omnystudio.com/listener for privacy information.

Welcome to a Wide World of Sports update. A snapshot of the latest sport stories from the 9News team including: Matthew Leckie's injury, Melbourne Storm and Newcastle Knights will play the first ever NRL-sanctioned rugby league match in Fiji, and Champion jockey Damien Oliver is preparing for his final ride before heading into retirementThe biggest sport stories in less than 5 minutes delivered twice a day, with reports from the 9News team across Australia and overseas. Subscribe now to make it part of your daily news diet.  See omnystudio.com/listener for privacy information.

Welcome to a Wide World of Sports update. A snapshot of the latest sport stories from the 9News team including: Matthew Leckie's injury, Melbourne Storm and Newcastle Knights will play the first ever NRL-sanctioned rugby league match in Fiji, and Champion jockey Damien Oliver is preparing for his final ride before heading into retirementThe biggest sport stories in less than 5 minutes delivered twice a day, with reports from the 9News team across Australia and overseas. Subscribe now to make it part of your daily news diet.  See omnystudio.com/listener for privacy information.

We're finishing our Home Equity 5-part series with one of the most important conversations – multigenerational conversations about home equity. They are crucial for retirement planning, so let's talk about them.In this episode, Jamie Hopkins, Managing Partner of Wealth Solutions, and Ana Trujillo Limón, Director, Coaching and Advisor Content, speak with Craig Lemoine, CFP®, Ph.D., MRFC, Director of Personal Financial Planning, about the importance of incorporating home equity into retirement planning. Dr. Craig emphasizes the need for open conversations about housing plans, the potential emotional attachment to homes, and the role of financial advisors in facilitating these discussions. He also explores the use of reverse mortgages and home sharing as retirement strategies with a hypothetical scenario highlighting the significance of home equity in financial planning and the potential consequences of neglecting this asset.Craig discusses: Why incorporating home equity into financial planning is important and where advisors are facing hurdlesWhy some parents may feel reluctant to discuss financial worth with their childrenThe emotional attachment people have to their homes and its impact on how they see reverse mortgagesWhy advisors need to start thinking about a house in a different framework and contextThe importance of having multigenerational conversations about the future of the property and housing plans in retirementThe role financial advisors have in facilitating these conversationsHow houses are viewed differently in different culturesAlternatives to reverse mortgages, such as home-sharingThe significance of home equity as America's largest asset and cash outflowAnd moreResources:Carson's Home Equity 5-Part Series with Guests Shelley Giordano & Craig Lemoine, CFP®, Ph.D., MRFCCarson's Home Equity 5-Part Series with Guests Wade Pfau, Ph.D., CFA, RICP® & Craig Lemoine, CFP®, Ph.D., MRFCCarson's Home Equity 5-Part Series with Guests Barry Sacks, J.D., Ph.D., & Craig Lemoine, CFP®, Ph.D., MRFCCarson's Home Equity 5-Part Series with Guests Steve Resch & Craig Lemoine, CFP®, Ph.D., MRFCThe Golden GirlsIt's Always Sunny in Philadelphia, Season 6 Episode 6, Mac's Mom Burns Her House DownConnect with Ana Trujillo Limón: Carson Group LLCLinkedIn: Ana Trujillo LimónConnect with Craig Lemoine:University of IllinoisLinkedIn: Craig LemoineX (Twitter): @HigherEdCraigAbout our Guest: Craig Lemoine is the Director of the Financial Planning Program at the University of Illinois, Urbana-Champaign. He serves as an Associate Clinical Professor, teaching courses in risk management, retirement, and financial planning. Craig earned his Ph.D. from Texas Tech University in 2013 and currently holds the Certified Financial Planner ™ and Master Registered Financial Consultant™ designations. Craig currently serves as the Executive Director of the Academy for Home

Some small changes can make a big difference. Tens, if not hundreds of thousands of dollars are at stake in getting that one decision right like with social security. You really will impact your quality of life as these decisions start to compound. So, let's get ahead of the decisions that'll most drastically affect our retirement. Today, Tyler's going to share what areas in our personal and financial lives deserve a second look.What You'll Learn:Retiring to rather than retiring fromWhat is Coast FI?Why retirement planning is more than just financial planningWhat fulfillment looks like in retirementThe retirement smile spending patternsPreventing elderly abuseThe best way to retireGood planning doesn't cost, it paysMentions:Elder Abuse Can Happen to Anyone, Are You Protecting Your Loved Ones? https://www.qedwealthsolutions.com/blogs/blog7.11.23.htmlMore of Tyler:https://www.catholicfinancialplanners.com/tyler-j-meyer-cfp/https://www.qedwealthsolutions.com/index.htmlAre you looking to hire an advisor? Browse our members. Are you a Financial Advisor who is serious about the Catholic Faith? Join our network.Catholic Money Mastermind Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Proactive Tax StrategiesIn this podcast, Paul and Garrett discuss the importance of considering taxes when saving for retirement. They provide insights on how to prepare for the future by saving in the right tax bucket, not only from an investment standpoint, but also from a tax perspective.The hosts explain the benefits of having multiple buckets to pull income from during retirement, including tax-deferred, tax-free, and taxable dollars. This approach provides flexibility and can help smooth out the tax situation.Paul and Garrett also discuss the importance of being proactive in tax strategies and saving, even if you don't necessarily need the deductions or plan to save for the long term. By doing the legwork now, individuals can be better prepared for future tax situations and have more optionality.The importance of considering taxes when saving for retirementBenefits of having multiple buckets to pull income from during retirementThe importance of being proactive in tax strategies and savingHow to prepare for future tax situations and have more optionalityConnect with Ascend Investment Partners:Ascend Investment PartnersBook An AppointmentLinkedIn: Garrett SmithLinkedIn: Paul NormanYouTubeThanks for tuning in. Questions about today's episode let us know.https://ascendinvestment.com/(801) 476 - 1200

Episode Ninety Seven - Kurt Angle's RetirementThe most important memory someone has of you, is the last one. So they say, and so the way you retire a wrestling hall of famer can be just as important as the career they have had. Case in point, Kurt Angle. A grand slam champion in the WWF, one of the fastest rises to the top at a time where the WWF boasted talent like Austin, Rock and HHH. Then when his career in WWE dwindled down, he reinvented himself and grew the TNA brand! Not enough can be said about this man's career, but why do we look back on how it ended so badly? Well enter Baron Corbin! There are those who have Heat and there are those that have Go Away heat, and it is fair to say Baron Corbin has slipped into the latter recently. Did it all start though with this botched, mishandled farewell tale? Well there is only one way to find out, you had better call creative!

Rising Above Life's Challenges to Follow a New Passion with Kathy CaseyKathy Casey sits down with Yuliana today to share her own phoenix tale of how she reinvented herself and followed her passion after losing a part of herself to her divorce and forced retirement. Both of these life events naturally had significant impacts upon Kathy and the path her life was following, Through courage and compassion, Kathy overcame these obstacles and today shares how this has fueled her to become the woman she is today.Kathy begins the conversation by talking about her divorce as one of the events that reshaped her life, from meeting her ex-husband and enjoying a whirlwind romance in Italy to how she had to face some realizations after the divorce. She also discusses the other event that shaped her life - her forced retirement at 56 - and realizing that she based her identity heavily on her profession. She then delves into finding and following a new passion and how she plans to settle upon retirement. The episode ends with Kathy talking about the one song that resonates with her life, a song about gratitude and compassion. Episode Highlights:The challenging events that redirected the course of Kathy's lifeQuestioning her judgment after making a life-changing decisionFalling in love with a man and a cityExperiencing the impacts of forced retirementThe realizations after her divorceHow Kathy defined herself by a job and titleFollowing a new passionSettling after retirementHaving compassion for yourself and othersOne song that resonates with Kathy's life Quotes:“I was walking in a coma through my own life.”“It was a difficult marriage and a difficult divorce, but I think both did set me up for what I would become in later life.”“All my life my professional work was anchored in writing, but I was always kind of a pen for hire. And now I finally I'm writing for myself.”“One of the things that I feel like I've learned, and I'm continuing to try to learn in my work with animals and animal organizations, is compassion.”“A lot of us have difficulty showing ourselves compassion.”“Sometimes when you don't know where to turn, or which way to move, the only thing to do is just to stay out in the world.”“I do have a tendency to isolate like a wounded animal. I'll lick my boots in the corner... When I lost my job, not really knowing what to do next, I just stayed in contact. Just stay out in the world and something will drop into your lap.” Links:Phoenix Tales Homepage Phoenix Tales on Instagram Phoenix Tales on Spotify Phoenix Tales on Facebook Kathy's Blog

Inflation and cost of living has left many people in financial survival mode, having just enough to keep afloat. But best-selling author and accountant Steve McKnight says that there's simple skills anyone can learn to revamp your financial situation and move from surviving to thriving, no matter your income. Learn:How to identify your means and how to live within themWhy you might be pre-programmed to fail financially – and how to stop itHow to attract more wealth by changing the way you think and act around moneyA step-by-step guide for calculating how much you need in retirementThe real danger of Buy Now Pay Later and rewards programsHow to stop paying ‘lazy tax' that costs you thousandsHow to give your money meaning& handy templates and checklists to help plan, manage and measure your wealth-building progress.Steve McKnight is a Chartered Accountant, fund manager and respected global real estate expert. He is also one of Australia's most successful real estate authors - his first book, From 0 to 130 Properties in 3.5 Years, has sold more than 200,000 copies, and its sequel, From 0 to 260+ Properties in 7 Years, was also a #1 bestseller. See omnystudio.com/listener for privacy information.

We continue our conversation with Ramesh Rajagopal, a coach at PM Power Consulting. In the first part he shared his origin story and also experiences of his childhood and career. In this episode, he continues to share more details about Leveraging his lean manufacturing experience to get into Agile approaches and becoming an Agile evangelistWorking in a company wide transformation planning processBeing summoned to the office one day,early morning - to be told that his position being made redundant, just a few months before a planned retirementThe support he got from his wifeGetting an opportunity to work in MalaysiaBecoming a trainer and exploring certification opportunities - such as SPC when he was 63The transferable skills from his manufacturing career that he was able to use in IT as wellImportance of communication and the need to relate to the people one interacts with.The importance of respecting dignity of every person and understanding their value systemsTeamwork and giving credit wherever it is dueBeing a continuous learnerBeing a listener 90% of the time while interacting with othersHow to become a better influencer to ensure results, by maintaining a respectful relationship and not limit interactions to only transactionsUnderstanding the aspirations and motivations of individuals first before helpingHis personal practices to develop empathy as a person based onThe Sahaja Marg or heartfulness approachHis career advice and tips for persons who want to get into IT from other domainsHe started my career as an R&D engineer at the Engineering Research Centre at Tata Motors (TELCO) in 1981, then he joined L& T during 1984, initially as a Design Engineer for Earthmoving machines. Later, he moved into Manufacturing Planning. He joined GE India Technology Center during end 2000, as a Project Manager-Delivery and stayed with the organization as it later changed hands to become GXS and OpenText. He also worked as a consultant for the Agile Transformation group for 4 years at Standard Chartered Bank, Kuala Lumpur helping teams and teams of teams to adopt to the new ways of working – from Technology teams, Retail Teams to Data and Privacy teams.With over four decades of experience which includes over 20+ years in software Product development, Delivery, Quality and several years in manufacturing domains of Automobile and Earth moving equipment, mow a Principal consultant at PM Power, part of Agile Transformation and DevOps Service lines.

Even the best savers can run out of money in retirement. In this episode of the One for the Money podcast, I share how making the appropriate adjustments in the few years before and after retirement can help prevent that. In the tips, tricks, and strategy portion, I'll share information for those who started saving later for early retirement. Listen to learn more! In this episode...Into thin air [01:51] Sequence of returns risk [03:30] The years before retirement [11:32] The bucket strategy [13:09] Saving late for early retirement [16:43] Climbing down carefullyWhile the most common accident in mountain climbing is falling, the majority of those incidents occur on the way down from the peak. People put so much physical and mental energy into making it to the pinnacle that they don't take the necessary precautions on the way down. Think of your approaching retirement as submitting your financial Mount Everest. Taking withdrawals from your retirement investments is like climbing down, which requires even more precautions. The mistakes made after retirement can be costly, and unlike when someone is younger, they don't have the time or salary to overcome these mistakes. One of retirees' biggest fears is running out of money. This shortage can happen for many reasons, including negative returns in the first few years before and just after retirement. Another significant risk is inflation. Strategies need to be deployed to address both of these risks. Before and after retirementThe rate of return in the first few years of retirement significantly impacts how money lasts throughout retirement. Similarly, the rate of returns in the years before retirement makes a huge difference. So what can you do to retire on time without running out of money? We can't predict the future rates of return, and we can't know if the stock market will be up or down. Some might think a good strategy is to be conservative in investments. However, that would also mean slowing growth and not keeping up with inflation. For my clients nearing or in retirement, I employ a bucket strategy. The monies to be withdrawn in the near term are invested more conservatively. Monies to be withdrawn in the next 6-15 years are invested more moderately. Finally, monies that will be withdrawn beyond that timeframe are invested more towards growth or a higher percent allocated to stocks. Strategies around retirementIn the bucket strategy, the ultimate determining factor for each bucket is the action of the market, the individual client's spending goals, and their tolerance for risk. The logic behind the strategy is that money spent in the near term shouldn't be impacted by large swings in the market. Monies spent further in the future have the potential for increased growth to provide future income and offset the effects of inflation.  While the bucket strategy works well for those who completely stop working, another approach would be retiring slowly by reducing work hours before leaving the workforce. This situation would result in less reliance on income generated from an investment portfolio and create a smoother transition from a full-time job to a life without work responsibilities. A flexible or dynamic budget can be helpful to make withdrawals less in down years. Delaying Social Security to increase monthly benefits can also reduce reliance on income generated from a portfolio. These and similar approaches aim to match assets, liabilities, and time horizons as best as possible. Resources & People Mentionedhttps://www.amazon.com/Into-Thin-Air-Personal-Disaster/dp/0385494785 (Into Thin Air: A Personal Account of the Mt. Everest Disaster) https://awealthofcommonsense.com/ (A Wealth of Common Sense) https://www.betterplanningbetterlife.com/blogpodcast/when-life-gives-you-lemons-stay-invested-ep-18 (When Life Gives You Lemons, STAY INVESTED!, Ep #18) https://www.betterplanningbetterlife.com/blogpodcast/most-accidents-happen-on-the-way-down (Most

Today's episode is a special one as Jeff is joined by his dad, Randy Smith!Randy graduated from Washington State University in 1974 with a degree in Political Science & received a Master's in Business in 1975. Randy then worked at several different financial institutions as a construction loan officer, originating loans for small to medium sized builders in the Seattle area through 1990. Following that venture, Randy joined Chase Manhattan Private Mortgage Banking in 1990 & was promoted to branch manager in 1992. Shortly after he was recruited to Norwest Private Mortgage Banking (later to become Wells Fargo) and opened an office in Bellevue as manager in 1995. Randy was promoted to Regional Sales Manager/VP for Washington and Alaska in 2003 eventually reaching a total headcount of 400 plus processing staff.  The region was among the largest and most profitable in the country. Randy retired from the mortgage industry on July 1, 2011.Topics covered:Getting into mortgage industryThe freedom, entrepreneurial side, and every day being differentGenerating business in the mortgage industryStaying in front of referral partnersManaging relationships in businessRespect as manager was key to success and cultureCommon traits among best originatorsCan sales skills be learned or is it natural?Big vs small personalities & egoDealing with fire drills/issues in businessThe house Jeff grew up in was 22% prime rateAdvice for people in mortgage business during tough timesHow long does it take for people to get weeded out in a rising rate environmentAdvice to someone looking to get in the loan businessHow do you plan for retirementThe housing market is crashing , how are you preparing?Hidden fees in mutual funds401k fees are the worstImportant Links & Info:Follow Jeff:Instagram: https://www.instagram.com/jeffsmithaz/Facebook: https://www.facebook.com/profile.php?id=100002927397116LinkedIn: https://www.linkedin.com/in/jeff-smith-40627016/The Smith Team at CCMCall Us: 480.909.4000Email Us: thesmithteam@myccmortgage.comAPPLY NOW @ www.smith-team.comCCM NMLS 3029 NMLS 1642793 NMLS 413643

Financial preparation to enjoy your second half of life is so crucial. The act of retiring can be exhilarating if you have prepared and scary as hell if you haven't. Wealth Manager and author of “Failure Is Not An Option: Creating Certainty in the Uncertainly of Retirement” is with us today to talk about our retirement ahead.We touch on:Planning for future inflation and rising cost of livingLong-Term Care plansLongevity of lifeThe stages of retirementThe importance of a financial advisor throughout your career and beyondLeaving financial legacy for our children and grandchildrenIs it too late if I haven't really started saving for retirementThe importance of teaching our kids (and ourselves) about compound interest earlyDavid is also full of wonderful stories about his travels and ties all of his advice to things he has learned from them. If you are interested in talking with David about wealth management, you can find him at his website: https://www.rosellwealthmanagement.com/David himself, his podcast, links to purchase his books are here: https://www.davidrosell.com/Thank you for listening - please get in touch or find me at the following:Website & Blog: https://llmcshane.comInstagram: http://www.instagram.com/lesleylmcshaneTNOY Private Facebook Page: https://www.facebook.com/groups/thenewoldyou/Join my newsletter: https://landing.mailerlite.com/webforms/landing/d9l0z0Enjoy my friend Lindsay Pinchuk's podcast DearFoundHer where she is talking to female founders and finding out from them how they started their businesses and what lessons they learned and what their best practices are for success. Or listen to her episode with me about starting a business over 50 HERE: https://www.buzzsprout.com/1594894/9920620Till next week!LLM

If you're looking to buy rental properties, build a real estate portfolio, and level up your wealth?—you're in the right place. But, as the housing market stays red hot, it can be a struggle for both new and old investors to know where to look for their next cash flow or appreciation play. Do you stick with on-market properties that may be easier to come by but with serious competition, or do you go the off-market property route and look for distressed, yet overlooked properties.Get answers to this question (and many more) on this episode of Seeing Greene, with your host, David Greene. As always, David takes questions from you, the listeners, to answer some 2022-specific and age-old questions about rental property investing and real estate as a whole. Topics of today's show include classics like buying new construction vs. an existing rental property, how to invest within your retirement accounts, on-market deals vs. off-market deals, and why certain properties stay on the MLS for so long.Want to ask David a question? If so, submit your question here so David can answer it on the next episode of Seeing Greene. Hop on the BiggerPockets forums and ask other investors their take, or follow David on Instagram to see when he's going live so you can hop on a live Q&A and get your question answered on the spot!In This Episode We Cover:Buying for appreciation vs. cash flow in today's fiercely competitive housing marketHow to invest in real estate even if you're well into retirementThe three main reasons that a property will sit on the MLS for monthsWhen to quit your job and go full-time into real estate investing (and how to set yourself up for a successful departure)The 1031 exchange and how it works to defer taxes for rental property investorsUsing built-up equity to invest in more cash flow and higher appreciationAnd So Much More!Links from the ShowBiggerPockets Youtube ChannelBiggerPockets ForumsBiggerPockets Pro MembershipBiggerPockets BookstoreBiggerPockets BootcampsBiggerPockets PodcastSubmit Your Questions to David GreeneBiggerPockets Podcast 585: Seeing Greene: Boosting Your Appraisal, Backward BRRRRs, & Capital Raising RisksBiggerPockets Podcast 591: Seeing Greene: The Cash Flow Market “Mirage” That Traps New InvestorsSeeing Greene: Questions from BiggerPockets' Best and Brightest (Episode 600!)Seeing Greene: Should You Pay Off Debt or Invest in Real Estate?Seeing Greene: FHA Loans, Cash Flow Shrinkage, & Bidding $200k Over Asking10 Actionable Steps Anyone Can Follow to Buy a Rental PropertyDavid Greene MeetupsDavid Greene TeamClick here to check the full show notes: https://www.biggerpockets.com/blog/real-estate-606See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Episode Guest: Nancy Collamer, speaker, author, and semi-retirement coachEpisode Description: If you're thinking about the possibility of working during retirement - whether to supplement your income, keep active and engaged, or some combination of the two - join us for a conversation with Nancy Collamer, author of Second-Act Careers: 50+ Ways to Profit From Your Passions During Semi-Retirement. Nancy will share inspirational second-act career success stories and provide concrete advice about how you can profit from your professional expertise, passions and personal interests during your semi-retirement years.  In this episode, you'll discover:Why so many boomers are choosing to work part-time after retirementThe four main categories of second-act careersExamples of fun and unusual second-actsEasy steps you can take to discover your own "what's next"About Nancy Collamer:Nancy Collamer is a semi-retirement coach, speaker, and author of Second-Act Careers: 50+ Ways to Profit From Your Passions During Semi-Retirement. She writes a monthly blog for NextAvenue.org (syndicated on Forbes.com) and publishes a free bi-monthly newsletter about second-act careers through her website, MyLifestyleCareer.com.She offers a digital toolkit and course for professionals who want to work part-time after retirement called Design Your Second Act. In private practice since 1996, Nancy holds an MS in career development from the College of New Rochelle and a BA in psychology from the University of North Carolina at Chapel Hill.Get in touch with Nancy Collamer:Check out Nancy's course: Design Your Second Act: https://second-act-school.teachable.com/p/work-after-retirement  Nancy's website: https://www.mylifestylecareer.com/ Purchase Nancy's Book, Second-Act Careers: 50+ Ways to Profit From Your Passions During Semi-Retirement: https://revolutionizeretirement.com/secondact Grab our free guide, 10 Key Issues to Consider as You Explore Your Retirement Transition, at https://10keyretirementissues.com/ 

Vern Smith is a nationally lauded expert in Medicaid, Medicare, state budgets, and trends in the healthcare marketplace. He has authored numerous reports on current issues in Medicaid and state strategies for containing health care costs and improving quality.In this intimate interview, Bryan's father-in-law Vern shares incredible stories of what he calls "the little things" that happened throughout his years that contributed to him living a life he never could have imagined.In This Episode:The shaping of self-image at an early ageThe impactful examples set by his parentsThe importance of travel to a person's educationGrowing up and experimenting in a different eraTen cans of SpamChanging college majors 5 timesAn unexpected medical diagnosis that actually opened the door to his lifelong careerServing the public as a health economist and Medicaid DirectorContinuing his service in a consulting role after retirementThe significance of the words on a plaque that used to hang in his father's officeThe little shift that led to Vern meeting his wife of 55 years, Paula

Get the Mad Mondays newsletter: https://www.subscribepage.com/l0w0j0Find out more about the Sons of Solomon: https://sonsofsolomon.net/Support Rev Fisk: https://www.patreon.com/revfiskOrder Rev Fisk's books: https://amzn.to/2ZjGscRCatch Rev Fisk on A Brief History of Power podcast: https://revfisk.podbean.com/Hear Rev Fisk's sermons at St Paul: https://saved.transistor.fm/Grab your favorite cup of warm, tasty life-altering potion, get busy on your favorite knick-knackery, and enjoy the ride, the heartbeat of the Mad Christian network is the community that gathers here, so don't hesitate to jump into the comments. It's a village, not a club, and we plan to be here a while: like, till the end of the world. So calm down: remember that rest is from God: and thank him for Saturday mornings on which there is no better thing to do than ponder life in his universe and... chill.This week, the Mad Christian and Meridith speak about:  00:00 Clock worship06:20 Small correction: more trips wires from aborted fetal cells in virus treatment09:53 The Fisk's have been married 20 years!20:43 Bringing trauma into a new marriage25:28 Meridith was published in Bell Grace magazine!31:05 Church sign theology35:00 When the Bible doesn't speak to your issues43:57 Ecclesiastes and fleeting moments. "The temporary awesome" of mundane tasks48:05 Was Jesus being prophetic when he said to take up our cross?1:00:25 I don't know whether to warn my friend to rethink the decision to put his baby in childcare01:34:48 Was Mary perpetually a virgin?01:43:55 Who was the Antichrist before the Pope?02:11:11 Can a father give Communion to his family?02:27:54 What is the biblical way to view retirementThe opinions expressed on the Stop the White Noise are those of RevFisk and Meridith, but sometimes also God. Studies show that learning to tell the difference greatly enhances your viewing experience. If you need help, the Holy Bible stands ready to assist you, as (hopefully) does your local, trustworthy pastor.To join our Discord community online, request an invitation link through https://revfisk.com/contact/Find everything else at revfisk.com https://revfisk.com/

One of the more challenging aspects of early retirement is the topic of this episode of the One for the Money podcast: Obtaining and paying for health care. Medicare isn't an option until age sixty-five. Stick around for the tips, tricks, and strategies portion where I'll be discussing when it makes sense to get life insurance through your employer and when it's better to get your own! In this episode...Planning for healthcare after retirement [01:08] Options for healthcare [03:37] Healthcare sharing plans [06:09] Life insurance is critical for financial planning [08:57] Why do I need to plan for healthcare?After housing and transportation, healthcare is the third-largest expense people will have when they retire at age 65, and that's with Medicare! Early retirees don't have this option. Even if you elect to accept Social Security at age 62, you still won't be eligible for Medicare until age 65. Early retirees also need to consider the health status of those relying on them for their healthcare.  Healthcare options in early retirementThe most generous healthcare plan is the employer's retirement healthcare benefits. A fortunate few have employers who provide paid-for health care in early retirement. This perk is so tremendous that it's no longer offered to government and private employees. However, some people have been grandfathered into this position. If you've worked for several decades, you should review your retirement healthcare options with your HR department. Even if you retire early and leave your employer, you can still receive your healthcare through them for a certain amount of time. This option was made possible via the Consolidated Omnibus Budget Reconciliation Act of 1985, known as COBRA. However, you typically will have to pay the total cost of your healthcare coverage plus an additional 2% because your employer subsidizes a significant portion of these costs while you're working for them. This practice is a perk to attract employees and provides the employer with a tax deduction. Life insurance is criticalTerm life insurance is all you need. If someone tells you that you need permanent life insurance, they are likely an agent trying to earn a much higher commission by selling it. You should only consider permanent insurance if you are on track for retirement, have a fully-funded emergency fund, and have no consumer debt. Even then, it's hugely debatable. Life insurance cannot legally be sold as an investment because it isn't. Another thing you need to know about life insurance is that the price you pay is based on the probability of your passing away. Life insurance from your employer isn't based on your health but solely on your age. Consequently, if you are in poor health, it may be in your best interest to get life insurance through your employer. If you are in good health, that will likely be more cost-effective. A benefit of getting your own policy is that you still have it if you leave your job. In the end, it's imperative that you have life insurance if there are people that depend on you, such as children, a spouse, or loved ones. Resources & People Mentionedhttps://webapps.dol.gov/elaws/ebsa/health/7.asp (elaws - Health Benefits Advisor) https://www.betterplanningbetterlife.com/blogpodcast/love-insurance?rq=insurance (Love Insurance) Connect with Jonny Westhttps://betterplanningbetterlife.com/ (https://BetterPlanningBetterLife.com)  Connect with Jonny https://www.linkedin.com/in/jonny-west/ (on LinkedIn) Subscribe to ONE FOR THE MONEY on https://podcasts.apple.com/us/podcast/one-for-the-money/id1590932593 (Apple Podcasts), https://open.spotify.com/show/1uAAU84OImSwwhJgW1hFlb?si=19457c8e971341f6 (Spotify), https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vb25lLWZvci10aGUtbW9uZXkv?ep=14 (Google Podcasts) Audio Production and Show notes by https://www.podcastfasttrack.com/ (PODCAST FAST TRACK)

One of the most important things you can do to live a healthy, happy and secure life is to develop basic personal financial skills. Understanding about budgeting, debt and savings will impact every part of your life. It can mean the difference between poverty and prosperity. In today's podcast Licensed Insolvency Trustee, John Adamson, shares his thoughts on how to make budgeting as stress-free as possible. It may seem like a daunting task to create a budget, but there are ways to simplify the process.John discusses topics around:Why budgeting is important when you are making financial decisionsHow to start and stick to a budgetBreaking your expenditures into needs and wantsBest ways to save for your retirementThe benefits of having a chequing and savings accountLicensed Insolvency Trustees can help you take control of your finances. From simple budgeting techniques to insolvency filings, they are considered some of the best financial advisors in the country, licensed by the federal government of Canada. About John AdamsonJohn founded Adamson & Associates Inc. in 1996. His experience includes more than 25 years of helping individuals, small business owners find solutions to their financial problems. John is approachable, easy to talk to and enjoys helping people solve their debt challenges. Additional Resources Adamson & Associates - Licensed Insolvency TrusteeWant a Better Budget? Understand Your Income and ExpensesHow to Prepare for a Money Emergency Even If You're Broke

Are you financially prepared for life after retirement? This episode of the One for the Money podcast is all about generating income in early retirement. Congress has put a 10% penalty for those who access IRAs before age 59 and a half, but I'll be going over ways you can generate income. Listen through to the end, and I'll share some early retirement tips, tricks, and strategies, including an easy math trick that allows you quickly to understand interest, rates of return, and how they impact both your investments and debts. In this episode...The tricky first years of retirement [01:33] Retirement income sources [02:30] Workarounds to access retirement funds [04:41] The Rule of 72 [08:53] Accessing retirement fundsThe first few years of retirement can be the trickiest to generate income because Congress has applied a 10% penalty for Americans who access their retirement funds before age 59 and a half. The purpose of the penalty was to encourage Americans to keep their monies invested for longer to benefit from compounded interest. Consequently, it requires some deft planning to generate income during the first years of early retirement. Income sources in early retirementThe simplest income source is savings, the money you have in the bank. Savings is money in addition to an emergency fund and should be the first money spent in early retirement because it just sits in the bank. I recommend that early retirees begin saving extra money in the bank in the few years just before early retirement. These savings will be the money you want to spend first, so it won't be subject to risk in the stock market, where a downturn can reduce what you already have. Another income option is a non-retirement account, which is a great way to save more if you've already maxed out your retirement accounts.  Roth IRA contributions are made with after-tax money. Because you have already paid taxes on this money, the IRS allows you to withdraw the contributed amounts, not the gains, at any time without taxes or penalties. For example, let's say you contribute $5,000 to a Roth IRA in 2015, and it grows to $10,000. In 2020, you can take the $5,000 contribution out with no taxable consequences. However, the disadvantage is that less of your money will be compounding. So I wouldn't recommend that you utilize the Roth IRA for funds in early retirement because you want this tax-free money to continue to grow as long as possible. Understanding interestOne of the most important things people can understand about finances is interest. Fortunately, a simple math trick called the Rule of 72 can help us understand how interest can impact our finances from both an investment and debt perspective. The Rule of 72 is a simple way to determine how long an investment will take to double, given a fixed annual rate of interest. All you need to do is divide the number 72 by the annual rate of return, and you will obtain a rough estimate of how many years it will take for your initial investment to double. The Rule of 72 is a powerful means for anyone to understand interest, which is integral to understanding finances. Resources & People Mentionedhttps://www.macrotrends.net/stocks/charts/AMZN/amazon/stock-price-history (Amazon - 24 Year Stock Price History) https://www.irs.gov/retirement-plans/substantially-equal-periodic-payments (72(t) Distributions) Connect with Jonny Westhttps://betterplanningbetterlife.com/ (https://BetterPlanningBetterLife.com)  Connect with Jonny https://www.linkedin.com/in/jonny-west/ (on LinkedIn) Subscribe to ONE FOR THE MONEY on https://podcasts.apple.com/us/podcast/one-for-the-money/id1590932593 (Apple Podcasts), https://open.spotify.com/show/1uAAU84OImSwwhJgW1hFlb?si=19457c8e971341f6 (Spotify), https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vb25lLWZvci10aGUtbW9uZXkv?ep=14 (Google Podcasts) Audio Production and Show notes by https://www.podcastfasttrack.com/ (PODCAST FAST

“A goal without a plan is just a dream.”You will not be able to live your dream retirement without a proper financial plan in place.In this episode, Jeff Green and Lauren Smith discuss the important things to think about as you plan for retirement. They recommend what actionable steps you could be taking now to plan for your dream retirement in the future.Jeff and Lauren discuss: The value of using a bucket list to live out your dreams in retirementThe factors you need to consider when you decide when to start taking Social SecurityThe importance of planning when deciding on your retirement dateWhy you should use your time before retirement to focus on your budget and cashflowAnd moreConnect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren Smith 

“A goal without a plan is just a dream.”You will not be able to live your dream retirement without a proper financial plan in place.In this episode, Jeff Green and Lauren Smith discuss the important things to think about as you plan for retirement. They recommend what actionable steps you could be taking now to plan for your dream retirement in the future.Jeff and Lauren discuss: The value of using a bucket list to live out your dreams in retirementThe factors you need to consider when you decide when to start taking Social SecurityThe importance of planning when deciding on your retirement dateWhy you should use your time before retirement to focus on your budget and cashflowAnd moreConnect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren Smith 

It's that time of year again! We are receiving a TON of questions about adding benefits to your group practice for your team members, and there are several factors that play in to adding benefits in successfully. Julie's talking through the 5 most common benefits added to group practices and which benefits could be a great fit for your business!*Disclaimer: We always recommend consulting with an employment attorney to make sure you are meeting all requirements of your state before implementing benefits for your employees.Episode Highlights:Continuing EducationThis is usually the first added benefit for many group practices.There are typically not a lot of restrictions for implementing.Continuing Education doesn't have to be expensive and can be capped at whatever amount you are comfortable with!Paid Time OffIt's easier to combine vacation and sick time into one category, but you can differentiate between the hours if you would like.Some states do require you to offer a certain amount of leave time based on an employee's status.Typically, you will see a set number of hours per year for each employee, or there can be an accrual based on the number of hours the employee has worked.RetirementThe cost to the employer is at a minimum the cost of managing the plan.There is usually an employer match, that isn't required, but is definitely a nice benefit for your team.Offering retirement benefits is a great recruiting tool and retention bonus.Health/Dental/Vision InsuranceThis can be an expensive benefit to add so a lot of times, smaller group practices don't tend to offer this up front.In most cases, you are not required to offer insurance to your part-time employees, but we still recommend consulting with any employment attorney.Short-Term/Long-Term Disability InsuranceThis is the least common benefit that we see in group practices. It still adds great value to your practice, but it is more common to see PTO or medical insurance.There are some states that still require employers to offer short and long term disability options to this employees so always consult with your attorney.Short term usually covers your employee for about 3-6 months, with a typical waiting period of about 14 days (all plans can vary). Long term usually can cover your employee from 2 years to a lifetime, with a waiting period of usually 3-6 months (again, plans can vary).Links & Resources:GreenOak AccountingTherapy For Your Money Podcast

“Marriage counselling isn't a waste of time, it's not always about getting back together, it's about seeing if you should part and doing it in a sensible way.”My guest today is family law expert Linda Lamb who has 25 years' legal experience and is a resolution-trained collaborative lawyer and hybrid mediator. Linda is accredited by the Law Society and the Family Mediation Council to provide child inclusive mediation and has ‘Leading individual' status with Chambers UK for expertise in family matters and mediation work with both adults and children.In 2017 she founded LSL Family Law and last year was named as one of the #ialso100 f:Entrepreneurs.Prior to entering law, Linda was a district nurse and community midwife – a role which has proved valuable to building her career in law. “In nursing you have that caring aspect and actually family law is very similar," Linda says. "I just don't need to touch people, although people do give me a hug from time to time.”   We talk about the financial and emotional aspects of separation, finding solutions that make the divorce process, particularly when children are involved, less disjointed and painful and the benefits of a no-fault divorce. “The really important bits are sorting out what the arrangements of the children are going to be and how you're going to split up the financial picture but that gets so overshadowed by the divorce petition saying: ‘you did this, this, this and this'.”We also discuss: How the pandemic has affected relationships and divorce ratesSilver splitters and the concept of divorce nearing retirementThe first steps to take when seeking a divorce The Certainty Project and different ways to cope better with divorce  The pros and cons of prenuptial agreements For more information about Linda and LSL Family Law visit LSLfamilylaw.co.uk and follow @LSLfamilylaw on facebook and twitter. About The Nicole Bremner Podcast:Nicole Bremner is an investor, speaker, writer, and podcaster. After a successful decade building a multi-million property portfolio in London, Nicole was forced by a number of external obstacles to stop, take stock and figure out what really matters in life.Following a period of healing and reflection, she discovered that what doesn't kill you makes you stronger and, so very often, setback is followed by real success. On The Nicole Bremner Podcast, she speaks to others who have triumphed in the face of adversity and explores the lessons they have learned along the way.To find out who's coming up next on The Nicole Bremner Podcast, follow Nicole on Instagram @nsbremner and facebook or subscribe to her YouTube channel.Disclaimer:The views and opinions expressed in this podcast belong solely to the host and guest speakers. The view and opinions of the guest speakers do not represent that of the host. Always do your own research.Support the show (https://www.buymeacoffee.com/NicoleBremner)Support the show (https://www.buymeacoffee.com/NicoleBremner)

Guest bioBobbe Greenberg is the real deal. She learned to swim in her 50's and now at 74, she's completed 14 full Ironman triathlons, over 30 half-Ironmans, as well as countless other running and swimming races. This fall, she'll be competing in the Hawaii Ironman World Championships for the eighth time. This time, she'll be in the Women's 75-79 age group; since the race's inception in 1978, only two women have competed in this category. A retired English teacher who has been married for 53 years, she has two daughters, four grandchildren, and a huge amount of gratitude. Wholeheartedly embracing this endurance lifestyle, she hopes to continue pushing boundaries and having fun!Connect with Bobbe Facebook: https://www.facebook.com/bobbe.greenberg LinkedIn: https://www.linkedin.com/in/bobbe-greenberg-b959aa11/ Instagram: @gobobbeTwitter: @gobobbeShow notesFrom tag to cheerleading to triathlonLearning to swim in her late 50's How she's getting faster over time- even in her 70'sWhat success means to Bobbe     Where Bobbe's strong self-image comes from How triathlon has made her less concerned about body image, appearanceFun fact: Bobe was a strong fraternity party eating contest competitor Bobbe's racing mantra The power of positivity The importance of meaningful work; why she's glad she delayed retirementThe joy of spending time outdoorsLinks/resources Total Immersion (how Bobbe learned to swim) Big Sexy Racing Team This grandmother learned to swim in her 50s. Now, at 73, she's a returning Ironman champion.The Diary of Anne Frank Sea-bands (anti-nausea motion sickness natural remedy)For full details click here. ******If you enjoyed this episode, please consider buying me a cup of coffeeHave a question you'd like me to answer on the podcast?Ask me right here **Visit my website to get your FREE guide to crushing Impostor Syndrome**Want to know my secrets for getting published in top publications? They're all in my e-book, 7 Pitches That Sold. Use the code realfit50 to get half off.Let's Connect!WebsiteLinkedInInstagramTwitterSupport the show

We all have those burning questions about planning for retirement. One of the most commonly asked questions that people want to know is, “Should I pay my house off before I retire?”In this episode, Jeff Green and Lauren Smith talk with Jim Chaplin, vice president/senior mortgage loan originator at Elite Lending Group to get his perspective on the topic.Jim Chaplin discusses: The items to take into consideration before deciding to pay off your mortgage before retirementThe backseat figures of making the decisionThe state of the real estate market right now and how this may impact your decisionAnd moreConnect With Jim Chaplin:jim@elgtexas.com(832)444-1952Connect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren SmithAbout Our Guest:Jim Chaplin: Jim Chaplin has a total of 30 plus years of real estate related experience. Licensed Texas Real Estate Broker since 1974 which makes him very familiar with promulgated contract documents. Specialties include lot loans, and construction loans as well as a wide range of mortgage products.

We all have those burning questions about planning for retirement. One of the most commonly asked questions that people want to know is, “Should I pay my house off before I retire?”In this episode, Jeff Green and Lauren Smith talk with Jim Chaplin, vice president/senior mortgage loan originator at Elite Lending Group to get his perspective on the topic.Jim Chaplin discusses: The items to take into consideration before deciding to pay off your mortgage before retirementThe backseat figures of making the decisionThe state of the real estate market right now and how this may impact your decisionAnd moreConnect With Jim Chaplin:jim@elgtexas.com(832)444-1952Connect With Green Financial Group:jeff@greenfinancialgrp.com(713) 244-3030Green Financial GroupLinkedIn: Jeff GreenLinkedIn: Lauren SmithAbout Our Guest:Jim Chaplin: Jim Chaplin has a total of 30 plus years of real estate related experience. Licensed Texas Real Estate Broker since 1974 which makes him very familiar with promulgated contract documents. Specialties include lot loans, and construction loans as well as a wide range of mortgage products.

Change can be a good thing. However, the uncertainty of moving forward can spark fear and create stress.This is especially true with major transitions, like retirement. In this episode, Jeff Green and Lauren Smith sit down with Cindy Wylie, a career and life transition coach, to explore how coaches can make this transition easier for you as a new retiree. They reveal how a coach can help you identify your values early on and ways they can help ease you into retirement.In this episode, we discuss:A coach's role around the transition from work to retirementThe importance of identifying your personal valuesHow someone like Cindy can help you through transition into retirementAnd more!Join Jeff, Lauren, and Cindy to learn how you can benefit from hiring a coach for your retirement!Resources: Green Financial Group: (713) 244-3030 | Jeff Green | Lauren Smith |(713) 562-5566 | Contact Cindy

Change can be a good thing. However, the uncertainty of moving forward can spark fear and create stress.This is especially true with major transitions, like retirement. In this episode, Jeff Green and Lauren Smith sit down with Cindy Wylie, a career and life transition coach, to explore how coaches can make this transition easier for you as a new retiree. They reveal how a coach can help you identify your values early on and ways they can help ease you into retirement.In this episode, we discuss:A coach's role around the transition from work to retirementThe importance of identifying your personal valuesHow someone like Cindy can help you through transition into retirementAnd more!Join Jeff, Lauren, and Cindy to learn how you can benefit from hiring a coach for your retirement!Resources: Green Financial Group: (713) 244-3030 | Jeff Green | Lauren Smith |(713) 562-5566 | Contact Cindy

In Episode 8 of Profiles in Franceformation, I interviewed Sandy Anderson, a retired English teacher who is a fellow graduate of the Middlebury College French School, which I also attended. Sandy, an American, was born in Ontario, Canada, went to school in Jamaica, and considers herself a “third culture kid,” as she grew up without the same cultural references as her American peers. We talk about how she developed her career and the challenges of maintaining relationships and friendships in the community of expatriated Americans in France.In this episode, we discuss: How Sandy started learning French as a child in Ontario, Canada, and continued her study through the British school system in JamaicaWhy it was difficult to start college in the US as an American kid who had lived all over the world, and the challenges of making friends when you don't have the same cultural referencesHow arriving in France in 1969, just after the May 1968 riots, into a completely renewed French university system, gave Sandy the opportunity to take classes at the SorbonneThe difficulty of being a foreign student in a French university, where you can't express yourself in French as well as a French student -- and a funny story about when Sandy used the new "contrôle continu" grading system to her advantageWhat happened when Sandy wanted to stay in France after graduating from Middlebury, and how she was able to land a work contract teaching English back before the UK joined the EU in 1973.The crisis Sandy experienced after around 7 years in France when she ultimately decided to spend the rest of her life in France.How Sandy's career developed over 30 years, from teaching English, to teaching technology, to teaching technology in English, and how she was ultimately downsized and forced into retirementThe dangers of being hired as an autoentrepreneur instead of as a salaried employeeHer main criticism of the FrenchWhen other Americans think we're communists because we live in France - and what communism (and real politics in France) actually looks likeWhy Sandy made the decision not to become FrenchWhat irritates Sandy about the community of Americans in France, and the things she just doesn't understand about some people who move here and about Americans back in the States.

Just like your iPhone or computer can become obsolete and need to be replaced, sometimes the way people think about retirement planning and investing is obsolete and needs to be replaced. On today’s show we talk about some outdated financial rules of thumb that people still cling to, and more current, modern alternatives to use instead. The 4% RuleThe 10-5-3 RuleMoving stocks to bonds when you get olderAll you need is $1 million and you're set for retirementThe 80% Retirement Income Rule Tune in now to join us for this discussion!

#44: One common trait of ordinary people who accomplish extraordinary things is their ability to turn personal struggle and tragedy into resilient energy channeled toward big goals.And one of the most challenging tragedies ordinary people commonly face is the death of an immediate family member.This week, I talk with Adam Fortuna, an engineer who turned his mother’s untimely death into motivation to achieve financial independence and retire early – which he did at age 36 with a portfolio >$2M.We discuss:How Adam got into software development, then transitioned into product managementHow his mother’s premature death suddenly forced him to figure out how to manage and invest assets…and why it made him realize he wanted to retire earlyHow he applied an estimation technique used in the software development industry to come up with his FIRE numberWhy moving states cost him 6 figures in taxesHow his boss reacted when he pulled the trigger and gave noticeHow his portfolio crashed 30% when he quit his job…and why that didn’t faze himWhy he scrutinizes trailing averages (rather than specific months) when analyzing his safe withdrawal rateHow he uses the 4% rule as a heuristic, but doesn’t apply it strictlyHow he handles health insurance post-retirementThe simple Google spreadsheet plugin he uses to import all his financial data into Google sheets for manual number crunchingWhat personal life events motivated YOU to get smart about your finances? How would a windfall impact your retirement plans? Let me know by leaving a comment when you’re done.Don't miss an episode, hit that subscribe button...If you liked this episode, be sure to subscribe so you don’t miss any upcoming episodes!Apple PodcastsSpotifyGoogle PodcastsStitcherI need your help, please leave a listener review :)If you liked this episode, would you please leave a quick review on Apple Podcasts? It’d mean the world to me and your review also helps others find my podcast, too!Links mentioned in this episode:MinafiTiller (automatically export personal finance data into Google spreadsheets)HYW private Facebook communityIntro/Outro: Old Bossa by Twin Musicom.

WE DIVE INTO the topic of Financial Health. WE GO DEEP with accountant Craig Meade. Craig OPENS UP about his experiences as an accountant during the COVID- 19 pandemic and gives general advice on how to manage our finances not just now, but into the future. The COVID free future.How has COVID-19 impacted your financial health?Why budget? How often?What is a financial stethoscope?Financial educationWhat is your risk profile? Do you have the right insurances?Women - finances through divorce and retirementThe importance of superannuationFinancial peace of mind. How do you get there? What does it mean for you?Resources – books to read:The Barefoot Investor by Scott PapeMoney School by Lacey FilipichSupport:Who Gives a Crap toilet paperPeople to follow:Carl Richards the Sketch GuyNoel WhittakerBudget tool:Money Smart websiteConnect with Craig Meade:DPMConnect with the Fanny Mechanic:EmailDr Tash Facebook pageThe Fanny Mechanic Facebook groupInstagramWebsiteDr Tash Book ClubYou TubeSupport the show: https://www.thefannymechanic.com/See omnystudio.com/listener for privacy information.

Considering that the human life expectancy is ever-increasing, are you confident that you will have enough money to last you through retirement?In this episode of The Agent of Wealth Podcast, Marc Bautis explains how a retirement income plan works to project how much income you will need through retirement. Marc also shares his best tips on how to save enough money during your working years and how to withdraw most wisely during retirement. In this episode, you will learn:What information Marc can use to calculate your probability of not running out of money in retirementThe importance of getting your money to work for youWhy a pre-retiree couple decided to work longer and pay more tax nowWhy Marc is adamant about stress-testing retirement plansAnd more!Tune in now to learn strategies to guide you towards a worry-free retirement!Resources:Bautis Financial: (862) 205-5000 | Key Financial Data 2020 | Retirement Checklist

Alan Castel, Ph.D. is a professor in the Department of Psychology at The University of California Los Angeles. His research focuses on how cognition changes with age and how people selectively remember important events. His work has been supported by the National Institute on Aging and has been featured in The New York Times and Time Magazine. In this episode, Eric and Alan discuss his book, Better with Age: The Psychology of Successful Aging.Need help with completing your goals in 2019? The One You Feed Transformation Program can help you accomplish your goals this year.But wait – there’s more! The episode is not quite over!! We continue the conversation and you can access this exclusive content right in your podcast player feed. Head over to our Patreon page and pledge to donate just $10 a month. It’s that simple and we’ll give you good stuff as a thank you!In This Interview, Alan Castel, Ph.D. and I Discuss…His book, Better with Age: The Psychology of Successful AgingHow mindset matters in agingRole models in successful agingThat life can get better with ageSocio-Emotional Selectivity TheoryThe realization that time is finiteThe ways that life can get better the older we getWhat helps prevent cognitive declineThat older adults often have less regret than younger adultHow we’re better at focusing on what’s important as we ageWalking or getting physical exercise (getting blood flow to the brain) is key in preventing cognitive declineThe importance of balance training when it comes to healthy agingHow illuminating it is to test your balanceHow helpful it is to be around people who do the things that we’re looking to do in our livesThe challenges that come with retirement – and how to overcome themThe middle way as it applies to retirementThe two most important things in lifeAlan Castel, Ph.D. Links:memory & lifespan cognition labgoogle scholarNetsuite by Oracle – the business software that handles every aspect of your business in an easy to use cloud platform. Get Netsuite’s free guide, 7 Key Strategies to Grow Your Profits, by going to www.netsuite.com/wolfPhlur makes stunning, non-toxic perfumes, listing every ingredient and why it’s there. Visit www.phlur.com and enter promo code WOLF to get 20% off first custom sampler setThe Upper Room – a global ministry where you can join a worldwide community of Christian believers in daily prayer and devotional practice. Go to www.upperroom.org/welcome to get a free 30-day trial.If you liked this episode, you might also enjoy these other episodes:Jonathan RauchParker J. Palmer

Sidney Spencer Marlborough “Epigenetics of mental health disorders including eating disorders and addictions”. She answers just that on PHIT for a Queen podcast: Cindy said the only way to describe retirement on a sport was almost like the loss of a lifelong friendSydney stated that she had to give herself Grace to deal with the wave emotions in the length of time it took for her to accept retirementThe woman I am today was because of the values I learned in sportSports help create a natural leadership abilityHusband was a great support system when Sydney felt like she had no purpose he simply said just put one foot in front of the otherWhat comes out of challenging situations can be very rewardingDuring transition, it's important for athletes to know what resources are available and encourage use of those What is Sidney up to now: Complete Strength Gym -Lee’s Summit, Missouri: http://www.complete-strength.com/   Sidney Spencer basketball consultant: https://www.facebook.com/SidneySpencerBasketballConsultant/ So you know she is legit: Sidney Spencer is an American professional basketball who most recently played for the Phoenix Mercury of the WNBA.Born in Hoover, Alabama, Spencer attended the University of Tennessee, and in April 2007 led the team to the national championship. That same month, she was selected in the 2nd round of the WNBA draft by the Los Angeles Sparks    Spencer received the 2003 Alabama Miss Basketball award. A product of Hoover, Alabama. Sidney joined the Lady Vols after an award-laden prep career. She was nicknamed the "Big Show" by her teammates and friends and was selected as a 2003 Adidas All-American. She was also honored as 2003 "Miss Basketball" by the Alabama Sports Writers Association (ASWA). Sidney was chosen as the ASWA 6A Player of the Year in 2003 for the second-consecutive season. Also selected as the Gatorade Alabama Player of the Year her senior year.  2003 Alabama 'Miss Basketball'- '02 and '03 Alabama 6A All-State and Player of the Year- 4 Seasons at the University of Tennessee under Pat Summitt- 4 Time All-SEC Academic Team- '07 National Champion- 5 Years in WNBA- 7 Years in Europe  

Today on the BiggerPockets Podcast, we’re excited to introduce you to a man who didn’t start investing until later in life but has built an impressive portfolio in the past few years. Even more, he bought his rentals thousands of miles away from where he lives! You’ll learn the inspiring tale of our guest, Bill Manassero, and how he went from running an orphanage in Haiti to buying rental properties and the challenges that transition caused. You’ll also be inspired by Bill’s heart and his real purpose for creating wealth through real estate. You are going to love this powerful episode, and it just might change why you invest in real estate! (And don’t miss Bill’s story of how his family appeared on Oprah!)In This Episode We Cover:Who Bill is (and why he’s hung out with Oprah)Why he built an orphanageHow his plans transitioned to real estateThoughts on investing while nearing retirementThe risk profiles for various agesHow he focuses on family and not just the moneyHow to reach your freedom numberHow he and his family got onto OprahWhat exactly a turnkey property is — and Bill’s turnkey storyA few red flags when it comes to turnkeysHis goal of reaching 1,000 unitsHow he finds propertiesThe struggles of reaching his goal, from finding funds to working with the right peopleHow he maintains the propertyAnd SO much more!Links from the ShowBiggerPockets VideosBiggerPockets WebinarChild Hope InternationalBP Podcast 115: Getting Started with Apartment Complex Investing with Jeff GreenbergBP Podcast 151: Finding Your “Freedom Number” with Clayton MorrisDesperate for Tenants in Memphis [Forum Post]BP Podcast 190: Building 61 Different Passive Streams of Income with Pat HibanBiggerPockets ForumsLoopnetBiggerPockets CalculatorsTEDx Talk by Robert Kiyosaki [Video]021: Buying Properties with Little or No Money Down with Brandon Turner[Podcast]Books Mentioned in this ShowThe Ultimate Beginner’s Guide to Real Estate Investing by BiggerPocketsThe ABCs of Real Estate Investing by Ken McElroyThe Book on Investing with No or Low Money Down by Brandon TurnerRich Dad Poor Dad by Robert KiyosakiThe 4-Hour Workweek by Timothy FerrissTweetable Topics:“I got tired of working for these other folks, so I decided to become an entrepreneur.” (Tweet This!)“I want to be able to go where I need to go.” (Tweet This!)“You gotta get in there and get your hands dirty, and that’s where the learning really starts.” (Tweet This!)Connect with BillBill’s BiggerPockets ProfileBill’s Company WebsiteOld Dawg’s Podcast

You work hard.  You save wisely.  You transition into more conservative savings vehicles as you get older and then pull the trigger.  You are retired!  Woo hoo! Now you spend the money you saved without ever taking in another paycheck.  How long do you think your money will last?  It had better outlast you or cat food could become your main dietary staple! The fact of the matter is, people are living longer now than ever before, putting ever more pressure on those precious retirement resources.  However, there is a way you can GUARANTEE you will never outlive your money…no matter how long you live. We will discuss such topics as: The dangers your money will face in retirementThe difference between accumulation v. distribution strategiesHow to GUARANTEE you will not outlive your income…regardless of how long you liveHow to inflation-proof your income in rising marketsAvoiding the perils of market downturns in retirement We will dive deep into the weeds on these and many other related subject items to help as many people as possible rescue their otherwise imperiled retirement plans. Listen, take notes and relax.  Retirement should be stress free.  We are going to show you how.  About the Host: Greg Durette - Founder of Future Secured Financial, entrepreneur with over 32 years who brings breadth and wealth of knowledge very rarely seen in the insurance and financial industry.  In all those years, not a single client has lost a single penny to the stock market.  Greg speaks throughout the country on insurance and financial security.  Contact him through www.FutureSecuredFinancial.com.