How to Retire on Time
501 episodes — Page 2 of 11
The Order You Pull Money From Your Accounts Could Cost You Six Figures
Is the AI Bubble About to Pop? Here's How Retirees Should Actually Think About It
The Bread Line Conversation That Reveals Why Confident People Are Usually Wrong
Mike Pushes Back on His Own Listener Over Annuity Riders
How One Retiree Turned a Market Crash Into a Tax Win
Mike Admits Too Much Guaranteed Income Can Actually Hurt You
The Free Steak Dinner Invite Is Secretly a Sales Pitch
The Retirement Word Mike Says Everyone Gets Wrong (And Why It's Costing You)
Three Reserve Strategies That Keep You From Selling at the Worst Possible Moment
What Happens to Your Spouse's Taxes, Social Security, and Healthcare the Day You Die
The Dividend Strategy That Looks Safe Until It Isn't
The Asset Class Everyone Abandoned Might Be the Smartest Thing in Your Retirement Right Now
What Michael Burry Sees Coming That Most Retirement Plans Aren't Built For
The 4 Things Retirement Steals From You (And How to Get Them Back)
Your Retirement Plan Is Built for Markets That Go Up. Here's What Happens When They Don't.
The Subtle Things Slowly Draining Your Retirement Plan (And How to Stop Them)
When Tax Planning Matters
Can You Retire With $250,000?
At 55, How Much Should I Have Saved?
Why Warren Buffet Isn’t 100% in Stocks
Can AI Build My Retirement Plan?
How to Plan for Future Unknown Tax Brackets
The Difference Between Mutual Funds and ETFs in Your 401(k)
Mistakes People Make When Selling at a Loss
Ep 427World War III: Should I Hold My Stocks?
“Hey Mike, Warren Buffett said he would hold stocks even if it were World War three, would you?” Discover how to think about stocks during uncertain times and why having the right strategy matters. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 426$2 Million Retirement. How Long Will It Last?
“Hey Mike, how long does $2,000,000 last in retirement?” Discover why retirement isn’t just about hitting a number. It's about starting with the lifestyle you want and then build your plan/portfolio around that goal. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 425How Income Planning Affects Healthcare Planning
“Hey, Mike. I’m having a hard time understanding how income planning affects healthcare planning. Can you elaborate?” Discover how coordinating your income, taxes, and healthcare strategies can help you get more out of your money. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 424A Better Way to Sell My Rental: Vacant or Occupied
“Hey Mike, is it better to sell your rental properties with renters in it or when it is vacant?” Discover how local laws, cash flow, and property conditions impact whether selling with tenants or vacant leads to a better outcome. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 423Planning for Rising Healthcare Costs
“Hey Mike, what’s the best way to plan for rising healthcare costs?” Explore the key strategies for managing rising healthcare costs, including insurance options, investment approaches, and how to balance risk across your overall retirement plan. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 422Why Are My Friends Getting Better Annuity Rates Than Me?
Description: “Hey Mike, how come my friends are getting better annuities today? Is there anything I can do to switch my payout?” Learn how changing market conditions impact returns across investments and why different strategies like annuities or real estate can perform better in different environments. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 421Responding to an Angry Commenter About REITs
From the comments… “REITs are garbage. Take a look at performance vs any index fund.. VOO, QQQM, anything. Stop it.” Learn how different investments perform in different market conditions and why comparing strategies like annuities, real estate, and index funds requires the right context. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 420I’m Behind on My Retirement: What Should I Do?
Description: “Hey Mike, I am behind on my retirement savings. What should I do?” Learn why taking more risk isn’t the answer and how to strategically catch up on retirement savings in today’s market environment. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 419How to Fix Your Missed RMD
“Hey Mike, I missed my RMD. What do I do next?“Discover what to do if you missed your RMD in retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 418How to Buy Your Retirement Home
“Hey Mike, I’m looking to buy my retirement house first, and then eventually sell my current house. How do you line this all up?“Discover ways to sell your current home and move into your retirement home. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 417What to Look for on Your Tax Return
“Hey Mike, I just got my tax return done. What should I be looking for?“ Discover what to look for when you review your tax return. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 416Tax Minimization Strategy Often Overlooked
“Hey Mike, what’s one tax minimization strategy that often gets overlooked in retirement?“ Discover a few strategic ways you could minimize taxes in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 415How to Compare Your Retirement Income Options
“Hey Mike, what is the easiest way to break through all the jargon and compare income strategies for a soon-to-be retiree?“ Discover three ways you could structure income in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 414What to Use for Laddered Income in Retirement
“Hey Mike, what do you use to create a retirement income ladder?“ Discover different investments and products that you could use if you wanted to ladder out income in retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 413Should You Move to a Tax-Free State in Retirement?
“Hey Mike, is it worth moving to a tax-free state in retirement?“ Discover how where you live can make a difference in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 412Why Annuities Lower Their Rates Mid-Contract
“Hey Mike, can you explain why my indexed annuity lowered its rates and now I’m stuck with no growth?“ Discover some of the reasons why an insurance company would lower their rates mid-contact. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 411DIY Retirement Portfolio Ideas
“Hey Mike, can you recommend an easy to managed portfolio for a DIY investor about to retire?“Discover different ways you could design your portfolio in retirement (not investment advice). Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 410Different Ways You Can Create Income in Retirement
“Hey Mike, does it make sense to diversify your retirement income streams? If yes, can you give some examples?“ Discover the benefits and detriments with different retirement income strategies. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 409What Many People Miss When Preparing for Retirement
Special Edition - Join Michael Decker as he discusses the first, and often missed step in retirement planning with Richard Himmer, PhD. Discover the three most important relationships to have and the five activities that help support a meaningful and happy retirement.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 408What to Do If You Lose Your Job Right Before Retirement
“Hey Mike, I lost my job, I think I can afford to retire, but I don’t what to. How would you build a plan that allows me to go back to work every now and then?”Discover the different ways you can determine if you should retire now, take a year off, or bridge the gap between now and when you get the next right job.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 407Why Healthcare Before 65 Needs Tax Planning
“Hey Mike, how do you plan for healthcare if you retire before 65?” Discover how tax planning can influence your healthcare expenses before 65 years old.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 406Understanding Different Types of Buffered ETFs
“Hey Mike, what’s the difference between a dynamic buffered ETF and a target outcome buffered ETF?"Discover the benefits and detriments of the different types of buffered ETFs available.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 405The Truth About Filing Early and Investing Your Social Security Benefits
“Hey Mike, should I take Social Security early and invest it instead of waiting for a higher benefit?” Discover when it may make sense to file for your Social Security benefits and invest your benefits. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 404There’s More to Tax Planning Than Just IRA to Roth Conversions
"Hey Mike, how do you solve for tax efficient retirement income?” Discover various tax strategies you may want to consider in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 403How to Handle Retirement Regret
“Hey Mike, I just retired and I completely regret the decision. The problem is the job market is not letting me back in. What should I do moving forward?” Discover different ways to address retirement regret.Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com
Ep 402When to Pay Off Debt Before Retirement and When to Keep It
“Hey Mike, if I am 10 years away from retirement, but still have some debt, should I pay off my debt first or focus on saving in my IRA?” Discover the difference between good debt and bad debt, and how to manage it in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com