Retire SMART Podcast

David takes on the question of whether college is still worth the cost, pointing to skyrocketing tuition, lackluster job outcomes, and the burden of federal loan guarantees. He also highlights alternative paths like trade schools, the military, and self-education, before turning to housing and construction data as a warning sign for the broader economy.

Could President Trump’s tariffs improve the woeful budget outlook for our economy? What are the chances that lower tax rates will remain truly permanent? And is Social Security safe? David Brooks has answers to these questions in today’s Q&A episode.

This episode dives into the growing financial strain on Medicare and what it means for retirees. David and Financial Advisor, Jacob Orand, explain how IRMAA surcharges, rising premiums, and legislative risks are creating hidden taxes—and share strategies to help protect income and avoid unnecessary penalties in retirement.

David and the team open with reflections on the tragic assassination of Charlie Kirk and what it says about America’s growing polarization. From there, the focus shifts to Becky Swansburg’s insights at their annual Speaker Series, the Federal Reserve’s looming rate cuts, U.S.–China tensions over TikTok, and pension unrest in Europe.

Today’s episode highlights the power of mentorship through the Teammates program and its call for more volunteers, before diving into troubling stories of government waste and fraud across several states. David and Chip also unpack what rising long-term bond yields reveal about global confidence in government debt, and the potential reckoning ahead for financial markets.

As a 65-year-old who plans to work till 70, and has health insurance through my job, should I switch stick with my current plan or make the switch to Medicare? What is a good strategy to able to support our kids when they need help while also ensuring we don’t over-drain our nest egg? And what’s David’s take on the recent NBC poll on priorities for Gen Z? David Brooks has answers to these questions in today’s Q&A episode.

David welcomes back financial advisor, Mike Schudel, to discuss the unique challenges high-net-worth families and business owners face in planning for succession, taxes, and wealth transfer. They unpack why no single advisor can cover all the complexities, the importance of building a coordinated team, and how research-backed models like Wharton’s help manage risk for retirees and entrepreneurs alike.

The Huskers’ explosive 68–0 home opener sparks a conversation about leadership, standards, and finishing strong on the field. David and Chip reflect on the excitement of seeing their brand in the stadium, personal family moments, and the lessons in Matt Rhule’s halftime speech. Then, they shift gears to the economy, unpacking weak job growth, shifting labor dynamics, and what it means for college grads, trades, and the future of work.

Is the 4% rule really the gold standard for retirement planning? David says no, and breaks down why relying on it could leave retirees short. The discussion then moves to fresh tax legislation, smart Roth conversion strategies, and housing market concerns as interest rates climb and affordability slips.

Today, Chip brings 3 questions all related to 401(k) in retirement.

David welcomes financial planner Blake Grimm for a timely conversation on Medicare. From open enrollment dates to the hidden costs of Advantage plans and rising Part B premiums, this episode helps retirees understand their options and avoid costly mistakes.

David recaps Nebraska’s season opener at Arrowhead and the unforgettable fan experience that came with it. Then the focus turns to the news—Trump’s clash with the Federal Reserve, questions around NVIDIA’s growth, and a closer look at how a consumption-based fair tax could reshape Nebraska’s future.

Zero fear in the markets, seasonal selloffs, and Jackson Hole patterns—David explains what these indicators might mean for investors right now. The conversation then spans hiring slowdowns, tax flight, global policy shifts, and ends with a deep dive into why annuities are gaining traction among wealthy investors as part of proactive tax planning.

What is an Irrevocable Life Insurance Trust and why should I do it? How much should I depend on an inheritance being a part of my retirement plan? And right before my retirement, should I focus more on paying off debt or piling up more money in my account? David Brooks has answers to these questions in today’s Q&A episode.

From the White House press office to Capitol Hill, Becky Swansburg has seen firsthand how policy decisions shape Americans’ financial futures. Becky joins in the conversation with David and breaks down the newest tax changes, the realities of legislative risk, and how to strategically plan for rising taxes over the next 20 to 40 years.

It’s Husker season kickoff, and the team shares their game-day predictions along with some personal football plans for the year. Then the conversation shifts to the economy, covering government intervention in private companies, the fallout of China’s real estate giant Evergrande, and a surprising twist in the housing market where brand-new homes are now selling for less than existing ones.

In our discussion today, we break down the shifting real estate landscape, from softening home prices in Florida, Texas, and beyond, to a surge in rental supply that’s driving rents down nationwide. We explore why new construction is suddenly cheaper than existing homes, how builders are responding with incentives, and what Warren Buffett’s latest bets on homebuilders might signal. Plus, we wrap with insights on market valuations, portfolio risk, and the surprising global migration of millionaires.

With all the reductions in employees and assets at well-known financial firms, is Retire SMART in trouble? Why has the rate of the rise of the S&P 500 been unproportional to the return for the average investor? And what’s David’s take on the Buffett indicator saying the market is currently overvalued? David Brooks has answers to these questions in today’s Q&A episode.

Today, we sit down with Chris Wootton of Wootton Financial Group, a boutique wealth management firm just north of Houston. Chris shares his journey in the industry, insights on serving clients in energy-driven markets, and why advanced tax strategy is key to retirement success. From football rivalries to financial planning, it’s a lively conversation packed with expertise and perspective.

In this episode, we kick things off with a look inside the Tax Mastermind seminar, where advisors from across the country gather to sharpen their tax strategies and better serve their clients. From there, we dive into headlines on the risks of chasing “invest like the 1%” real estate promises, looming premium hikes under the Affordable Care Act, and how politics and policy ripple through your financial life.

Today, we explore the caution signs in today's economy, from the volatility in the AI sector to historically low corporate bond spreads and high price-to-sales ratios. We then shift our focus to the Nebraska agricultural landscape, where we discuss the mixed outlook for farmers and ranchers, highlighting how proactive planning is essential to navigate these varying market conditions.

Is the current grading system for schools in California a red flag for those trying to get people engaged in financial literacy? Is it worth it to switch from insurance through an employer to a faith -based group where members share expenses? And am I stuck with a major tax hit, regarding a couple million in tax-deferred IRAs, or is there another option? David Brooks has answers to these questions in today’s Q&A episode.

Join us as we talk with Chief Tax Strategist, Evan Marshall, about the latest "Big Beautiful Bill" and what it means for your financial planning. We’ll discuss new tax incentives for business owners and a limited-time opportunity for retirees to potentially reduce their Social Security tax burden. Plus, we'll dive into an upcoming class on proactive tax and exit planning for entrepreneurs.

From wine tastings to making the Inc. 5000 list for the fourth year in a row, David and the team celebrate growth, share candid lessons from scaling, and look ahead to new opportunities. Then they dig into Trump’s executive orders on “debanking” and expanded 401(k) investment access, explore the risks and rewards of private equity, and examine how data center construction is reshaping the job market—and why trades may be the smartest career path for the next generation.

We're diving into the stock market's recent concentration and asking what it could mean for your investments, especially as some of the biggest tech companies are looking a little top-heavy. We'll also get a little local and celebrate Omaha's latest national ranking as a top city for jobs, plus we'll break down the true costs of retirement—from healthcare to how you can grow your net worth over time.

Is it possible to go beyond standard 401(k) contribution limits at a certain age? With the kids all grown up and self-sufficient, what should we expect to drive our spending in retirement? And what is the difference between a Roth account and a designated Roth account? David Brooks has answers to these questions in today’s Q&A episode.

Today, we are joined by attorney Colin Kastrick to discuss the recent legislative changes to Nebraska's transfer-on-death deeds that affect real estate. We'll also explore how a new bill allows for major tax savings by utilizing non-grantor trusts to pass on assets like farmland, potentially helping you avoid probate and take advantage of new tax deductions.

After a much-needed excursion across the pond, David Brooks returns to a surprising U.S. jobs report that sparked political drama, market jitters, and questions about the accuracy of government labor data. David breaks down the numbers, the impact of shifting labor force trends, and the political fallout at the Bureau of Labor Statistics. Plus, a closer look at the quiet but powerful reindustrialization of America, as steel production and key manufacturing jobs make their way back home.

Announcement for Retire SMART Podcast taking the week off.

We kick things off with a barrage of standout headlines: LinkedIn’s list of up-and-coming U.S. cities, a political shake-up in New York led by Zohran Mamdani, and In-N-Out heiress Lynsi Snyder’s high-profile move from California to Tennessee. David and Chip explore what these cultural shifts reveal about deeper economic and political undercurrents.

For military members, is the blended retirement system automatically managed, or should they seek financial advice? With retirement around the corner, is it better to pay off debt, or pile up more money in my 401(k)? And should I invest my saved up $50,000 in cash, or with all the news of a market correction coming, should we wait for the right moment? David Brooks has answers to these questions in today’s Q&A episode.

In this special episode, David sits down with DeMoine Adams, CEO of the TeamMates Mentoring Program, to talk about the power of mentorship and its long-lasting impact on students and communities. From personal stories to leadership insights, DeMoine shares how TeamMates is building hope, purpose, and vision for the next generation.

David and Chip unpack growing concerns over the Federal Reserve’s expanding role, questioning its dual mandate, ballooning balance sheet, and politically influenced interest rate decisions. They also spotlight NVIDIA’s historic dominance in the S&P 500 and discuss Trump’s wavering stance on trade policy—and what all this means for investors and business leaders alike.

In this episode, David and Chip dig into what’s driving retirees to second-guess their 401(k)s—and why a pair of Denver office buildings just sold for the price of a pack of gum. From soaring interest rates to sneaky long-term care costs, they expose the risks hiding in plain sight and share how to build a retirement plan that won’t flinch when the market does.

What’s the benefit of getting an HSA? How often show clients be meeting with their financial advisors? And with my ineligibility to withdraw from my 401(k), should I try for a hardship distribution to cover my unexpected medical expenses? David Brooks has answers to these questions in today’s Q&A episode.

Please welcome, for the first time on our show, financial advisor Darren Worthington! David and Darren unpack the latest retirement planning pitfalls and tax policy shifts, starting with a dramatic IRS ruling that could upend Roth conversions. They explain why this matters for high-net-worth savers and how Congress may—or may not—intervene. Plus, hear why investing without a plan is like running with scissors, and how a smarter strategy can protect your retirement future.

, David and Chip share some heartwarming moments from a the recent “Night at Memorial” event, highlighting the character and generosity of several Husker players. Then, the conversation shifts to a new tax policy “torpedo” that could hit high-income earners hard, especially in blue states—along with smart strategies to avoid the hit. Plus, a look at CNBC’s top states for quality of life and business, and the latest debate around inflation, interest rates, and tariffs.

We discuss the latest tax provisions aimed at seniors, including a new $6,000 deduction that could mean little to no taxes on Social Security for many retirees. We also unpack the crypto tax changes buried in the “Big Beautiful Bill,” highlighting a key shift in how wash sale rules apply. Plus, a deep look at market patterns, the risks of an overvalued U.S. stock market, and why Gen X’s lack of retirement confidence may be justified—but not irreversible with smart planning.

What is going on with England’s banking and financial system? Will I get the same experience at the Lincoln Retire SMART office as I would at the Omaha office? And what ended up happening with the SALT tax in the Big Beautiful Bill? David Brooks has answers to these questions in today’s Q&A episode.

David welcomes back Josh Cheatle, Director of Wealth Management, to discuss the impact of the newly passed “Big Beautiful Bill” on tax and retirement planning. They explore new provisions affecting seniors, Roth conversions, charitable giving strategies, and state and local tax deductions—plus what these changes mean for retirees and business owners alike. With real-world examples and upcoming educational events, this conversation emphasizes the value of proactive, flexible financial planning.

We look back on a one-of-a-kind client appreciation event at Memorial Stadium, reflecting the firm’s deepening partnership with Nebraska Athletics. David and Chip also spotlight the Journey of Hope charity and dive into major updates on the economy — from job numbers and government hiring trends to tax implications of the newly passed “big beautiful bill.” Plus, a candid look at political shifts, market indicators, and what it all means for your financial future.

This episode kicks off with a sharp look at China's economic struggles and what plunging industrial profits could signal for global trade negotiations. David and Chip also unpack a surprising new directive considering cryptocurrency in mortgage lending, examine an overheated stock market through the lens of price-to-earnings ratios, and explore the global migration of millionaires toward more favorable economies.