Retirement Starts Today
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Retirement Starts Today
Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin B...
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"New" Rules around 401K Catch-Up Contributions
A rule changed on January first that takes the tax deduction away from catch-up contributions for a lot of people who are still working. We'll run thr...
The Four Risks to Retirement Security
Chris Heye makes the case in a Journal of Financial Planning article that the two retirement risks we obsess over might not be the two most likely to...
How Much Should You Worry About Inflation?
Inflation again? Christine Benz over at Morningstar has three questions that tell you exactly how exposed you are - and how much retirees worry about...
Revisiting the 4% Rule, with Bill Bengen
If you've been anywhere close to a retirement podcast over the last 10-20 years, you've heard of the 4% rule. And like many people, you might have que...
Retirement Is a Sprint, Not a Marathon
Fritz Gilbert says the adage that "Retirement is a marathon, not a sprint" is backwards. He cites an average age where health starts to decline is 64,...
Is Your Cautious Retirement Spending Doing More Harm Than Good?
The fear of running out of money in retirement turns out to be mostly backwards. For super-savers, the data says the opposite usually happens. A piece...
The IRS Penalty Retirees Never See Coming (And How to Beat It)
Every year, thousands of retirees pay an extra penalty to the IRS — and almost none of them see it coming.
What catches them off guard isn't a p...
Consumer Sentiment is Terrible
Americans don't feel great about the economy. Consumer Sentiment just hit the lowest reading in roughly 75 years.
Ben Carlson over at A Wealth o...
The IRA Decision That Affects Your Kids
There's a decision your surviving spouse is going to make about your IRA, after you're already gone, that can either cut short or stretch out how long...
The Richest Person in the Graveyard
You've heard it said a hundred times: Spend the money, make the memories, don't die with regret.
However, for certain kinds of retirees, dying...
The Best Strategies for Boosting Starting Withdrawal Rates in Retirement
If you want to spend more at the beginning of retirement, which withdrawal strategies actually let you do that? This week's Retirement Headline from A...
How Super-Savers Spend Their Acorns in Retirement, with Dana Anspach
Imagine a lifetime spent diligently saving your acorns, only to face a mental roadblock when it's time to enjoy them. Dana Anspach, CFP®, RMA®, and au...
How 2 Couples Cut Housing Costs To Speed Up Their Path To Early Retirement
What happens when you reach financial independence by paying off a low interest rate mortgage early? Or being renter instead of buying a home and grow...
The "24-Hour Rule" That Keeps Retirees From Blowing Their Savings
According to Capital One Shopping - 89% of shoppers have made some kind of impulse buy. More than half have spent more than $100 on a whim, and the av...
Sorry, Your Kids Don't Want Your Stuff
Imagine having 10 overstuffed boxes of grandma's collections in your living room.
That's the story that leads our show from a couple in Florida...
The Retirement Risk Zone
There is roughly a ten-year window centered around your retirement date, five to ten years before, and five to ten years after called "The Retirement...
Stop Sweating the Small Stuff When You Spend Your Retirement Money
Why is it so hard to spend the money you spent a lifetime saving?
This is a question from Janet Bodnar in a Kiplinger article. She admits that o...
Five Beneficiary Designations for Clients to Review Now
Your beneficiary designations are probably outdated. Not because you made bad decisions, but because you made them once and never looked again. We're...
Will Surging Oil Prices Crash the Market?
How do higher oil prices impact stock market returns? Ben Carlson at A Wealth of Common Sense challenges the assumption most people have, but with som...
Estimated Taxes Are a Pain. Let's make it Easier
What if you paid all your taxes - and still got hit with a penalty from the IRS?
Our retirement headline this week comes from Laura Saunders in...
The Hidden Cost Of Investment Income
Some desirable investment income - like interest and dividends - might actually hurt high-net-worth investors' bottom line. This comes from an article...
The Medicare Charge That's Taking a Bigger Bite Out of Social Security Checks
You might have received a Social Security cost-of-living increase this year — but did your net check actually go up?
A recent Wall Street Journ...
Tax Return Red Flags
Sheryl Rowling positions income tax returns as diagnostic tools — not merely a compliance document — and outlines four common red flags that suggest a...
Stop Chickening Out
Retirees obsess over the exact safe withdrawal rate they think they'll need while simultaneously building layer after layer of backup plans. Dividends...
8 Tips to Stop Worrying About Running Out of Money in Retirement
Sheryl Rowling from Morningstar argues that the greatest danger in retirement isn't the stock market — it's the constant fear of running out of money....
The Best Way to Leave Money Behind
What does research say about retirement withdrawal strategies that are specifically designed to leave more money behind? We'll walk through what the r...
The Ideal Level of Wealth
Is there an ideal level of wealth? Our Retirement Headline comes from Nick Maggiulli, who starts by rejecting the usual vague answers—"it depends," "o...
Why are You Still Working?
Andrew Rosen, CFP®, CEP, writes in a Kiplinger article how to walk through several common reasons people keep working — even as retirement comes into...
Helping Underspenders And "Savers" Understand They CAN Spend More
Can you relate to this statement: "They've done everything right financially… but still can't bring themselves to spend the money they've saved."
Americans May Be Claiming Social Security Too Early
"Just 10% plan to wait until age 70" to claim Social Security in retirement — and it's not because of a knowledge problem.
We discuss this from...
In the IRMAA Trenches with IRMAA Certified Planner, Paul Morrison
Paul Morrison details how Medicare premiums, including the IRMAA surcharge, are inflating at a rate higher than Social Security COLAs. This disparity...
Are Super Savers Failing in Retirement? A conversation with Andy Panko
A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common strug...
Why Financial Independence is Overrated [Rebroadcast]
Nick Maggiulli's latest article in Of Dollars & Data challenges one of the core ideas that drives personal finance blogs, podcasts, and even some of o...
Spending Drops in Retirement, but Satisfaction Doesn't [Rebroadcast]
New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happine...
Who Has Actually Saved $1 Million for Retirement? [Rebroadcast]
Only 3% of Americans have saved $1 million for retirement. according to 24/7 Wall St. & AOL. I'll break down what that means—and why your personal num...
Five Key Retirement Challenges (and Solutions) [Rebroadcast]
Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about m...
Retirees Only Spend 2.1% Per Year [Rebroadcast]
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Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't runni...
How to Spend More (or Less) in Retirement [Rebroadcast]
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Are you spending too little in retirement, worried you might outlive your savings? Many retirees struggle to strike...
2025: The Year of Donor Advised Funds?
Major charitable-giving changes are set to take effect next year under the One Big Beautiful Bill Act. As a result, 2025 may be the best—and possibly...
This Social Security Strategy Gives Retirees More to Spend
A new report says retirees who use a so-called "bridge strategy" can actually spend more and need fewer assets to retire securely.
That's right....