Retirement Starts Today Radio

Do you have an HSA? If so, do you simply use it to pay for your medical expenses? Or do you use it as a way to build your wealth? Today we’ll look at an article from Financial Advisor Magazine that will help us identify opportunities for wealth creation. Listen in to learn how to […] The post A Few Simple Tricks Turn Humble HSAs Into Wealth Builders, Ep # 287 appeared first on Retirement Starts Today Radio.

Do you combine your finances with your partner? If you do, chances are that you might be happier. In this episode of Retirement Starts Today, we’ll explore a WSJ article written by Julia Carpenter titled Couples Who Combine Finances Are Happier. So Why Don’t More Do It? In addition to examining the benefits of combining finances, […] The post Couples Who Combine Finances Are Happier. So Why Don’t More Do It? Ep #286 appeared first on Retirement Starts Today Radio.

Giving advice to your parents can be a challenge both for you and for them. However, there comes a time when the roles reverse and our parents may need to hear our practical advice. If you have been wondering how to go about doing this you’re not alone. This week we’ll explore a retirement headline […] The post How to Give Your Parents Advice That They Will Actually Listen To, Ep # 285 appeared first on Retirement Starts Today Radio.

Investing in yourself is a great way to invest in your retirement. You may know Fritz Gilbert from the Retirement Manifesto blog or you may even have read his book, Keys to a Successful Retirement. What you may not know is how he has invested in himself in retirement. On this episode of Retirement Starts Today, you’ll hear […] The post Investing in Yourself – An Interview with Fritz Gilbert – The Retirement Manifesto, Ep # 284 appeared first on Retirement Starts Today Radio.

I’m so excited to bring you this interview with Gary Kadi. Gary is the author of one of the best books I read in 2022, Raise Your Healthy Deserve Level. I call this an accidental retirement book because although it is not specifically written for retirees, many topics apply to retirement. Gary has so much to […] The post Raise Your Healthy Deserve Level – an Interview with Gary Kadi, Ep #282 appeared first on Retirement Starts Today Radio.

Many people are concerned that rising interest rates will eventually crash the housing market. Future retirees can become overly worried about the housing market since the value of their homes plays a huge role in their retirement plans. This is why an article from Annie Lowrey at the Atlantic caught my eye. Today, we’ll dive […] The post The Housing Crisis You Didn’t See Coming, Ep #281 appeared first on Retirement Starts Today Radio.

Have you ever thought about what the future might be like for your children and grandchildren? In this week’s retirement headline, we’ll explore a Wall Street Journal article called What Old Age Might Be Like for Today’s 30-Year-Olds. During the listener questions segment, one listener wonders whether it is possible to have too much Roth money. […] The post What Old Age Might Be Like for Today’s 30-Year-Olds, Ep #280 appeared first on Retirement Starts Today Radio.

Welcome back to Retirement Starts Today Radio! Today we have an extra special episode for two reasons. Today, you’ll finally meet our newest advisor, Bret Mulvaney. He joins me today to discuss the most recent legislation regarding tax and retirement planning. This entire episode is dedicated to reviewing the Secure Act 2.0. Listen in to […] The post Breaking News – Secure Act 2.0, Ep #279 appeared first on Retirement Starts Today Radio.

Do you ever wish you could sneak a peek into someone else’s retirement financial plan? Our retirement headline this week does just that. The article, Some Now More Later, takes a look into Richard Connor’s decision-making process as he examines how best to allocate his retirement funds and how he and his wife decided how to […] The post Some $$ Now, More $$ Later, Ep #278 appeared first on Retirement Starts Today Radio.

Welcome back to a new year or Retirement Starts Today Radio! Just as you have been envisioning your retirement, I’ve been envisioning exciting new things for this podcast. This year we are kicking off a couple of new additions to the show that I’m particularly excited about. After the retirement headlines, we’ll have our new […] The post Social Security Benefits to Run Out Faster Due to Social Security COLA Increase, Ep # 277 appeared first on Retirement Starts Today Radio.

2050 seems like a long way away, however, it is closer than we think. In this week’s retirement headline, I share an article from Richard Archer at FinanceInsights.net which explores the future of retirement and the impact that technology has had on the past, present, and future of retirement. In the listener questions segment, I help Bruce […] The post Retirement in 2050. Will Retired Life Be Better in the Future? [Rebroadcast] appeared first on Retirement Starts Today Radio.

Are you fed up with paying state income taxes? Before you pack your bags and move to a no income tax state you’ll want to listen to this episode. Moving to a different state to save money on taxes could cost more than you think. After listening to the retirement headline, make sure to stick […] The post Don’t Move for Taxes [Rebroadcast] appeared first on Retirement Starts Today Radio.

Jim is only 3 weeks away from retiring and wants to know my top tips for someone approaching retirement. If you are on the countdown to retirement, make sure to listen to the listener’s questions to hear what they are. In the retirement headlines segment, we’ll explore the benefits of using a bucket withdrawal strategy […] The post I’M RETIRING IN 3 WEEKS! Here’s What to Do…[Rebroadcast] appeared first on Retirement Starts Today Radio.

What does a good night’s sleep have to do with retirement planning? Listen to this episode to find out. Today we’ll explore an article from Andrea Peterson over at the Wall Street Journal titled, To Get a Better Night’s Sleep, First Fix Your Day. After discussing how to apply her advice to retirement, we’ll tackle Bill’s questions. Since […] The post Go Back to Bed [Rebroadcast] appeared first on Retirement Starts Today Radio.

Deciding whether to delay filing for Social Security is a hefty decision. Waiting to collect Social Security until age 70 will increase your monthly benefit by 32%, but that doesn’t mean much if you don’t live long enough to reap the rewards of being patient. In today’s retirement headlines segment, I’ll share an article written […] The post Six Month Social Security Mulligan [Rebroadcast] appeared first on Retirement Starts Today Radio.

Do you wish that there was a list of what to do and what not to do in your retirement? I recently discovered an article from MorningStar.com written by Sheryl Rowling titled 8 Financial Do’s and Don’ts for the 7-Figure Retirement, and I thought it would be perfect to share with my listeners. You’ll learn several […] The post Do’s and Don’ts for Your 7-Figure Retirement [Rebroadcast] appeared first on Retirement Starts Today Radio.

Have you been wondering how to best prepare for the end of the tax cuts coming up in 2026? One of our listeners is and they would like to know how Roth conversions should factor into planning for the end of those tax cuts. You might be surprised by my response to her question, so […] The post Special Announcement and What’s New for Medicare Open Enrollment, Ep #270 appeared first on Retirement Starts Today Radio.

What a difference 18 months makes in the housing market! Many who bought their homes at the peak of the real estate boom are beginning to regret their decision. A recent article from BuzzFeed tells stories of remorse experienced by several homeowners who are now in over their heads. In this episode, we’ll explore the homeowners’ stories, […] The post I Bought My House at the Peak, Now I Regret It… Ep #269 appeared first on Retirement Starts Today Radio.

There’s big news in the world of retirement. The news is so big that we have 2 articles from mainstream media sources to check out in this week’s retirement headlines segment. If you’ve been wondering how inflation will affect Social Security benefits you won’t want to miss out on this episode. Stick around for the […] The post 2023 Changes to Social Security Benefits, Ep # 268 appeared first on Retirement Starts Today Radio.

Have you ever thought about purchasing stocks for purpose of generating dividend income? If that is part of your retirement plan, then you won’t want to miss this episode. Today we’re taking a look at a retirement headline from MarketWatch that highlights three considerations to be aware of before jumping into this strategy. Stick around for the […] The post Dividends for Retirement Income? Read This First, Ep # 266 appeared first on Retirement Starts Today Radio.

Why don’t more people maximize their Social Security benefits? As a financial advisor, I often wonder at the surprisingly low percentage of people who choose not to optimize their Social Security benefit. Today’s retirement headline dives into that question in further detail by analyzing a study with plenty of data. Listen in to learn when […] The post 11% of Retirees Plan to Maximize Social Security, Ep #265 appeared first on Retirement Starts Today Radio.

Envisioning what your retirement will look like can often be a challenge, so it may be helpful to hear some examples of people in similar situations. In this week’s retirement headlines segment, we’ll explore a WSJ article from Veronica Dagher and Anne Tergesen that interviews 4 retirees who saved enough for a comfortable retirement. Listen in to […] The post $2 Million Retirement Plan, Ep #264 appeared first on Retirement Starts Today Radio.

When we envision retirement, we think more about the things we’ll do to enjoy our time than about the person that we’ll become. My guest today encourages us to change that to spend more time thinking about who we want to be in the future. Dr. Benjamin Hardy is an organizational psychologist, speaker, and author, […] The post Be Your Future Self Now, an Interview with my Coach, Dr. Benjamin Hardy, Ep # 263 appeared first on Retirement Starts Today Radio.

Have you been considering a change of scenery in retirement? Before you pack up the house, make sure to listen to today’s episode. In the Retirement Headlines segment, we’ll check out an article from Harriet Edelson at MarketWatch.com which discusses 6 considerations before moving in retirement. This informative article lists statistics and anecdotal examples that can help […] The post Six Things to Consider Before You Move in Retirement, Ep # 262 appeared first on Retirement Starts Today Radio.

I’m sure you have heard the news about the recent Inflation Reduction Act, but what will this Act mean to you as a retiree? We’ll explore this question by examining an article written by Kelly Anne Smith over at Forbes. If politics isn’t your thing, don’t worry, it’s not mine either. I scour the internet looking […] The post The Inflation Reduction Act – What it Means for Retirees, Ep #261 appeared first on Retirement Starts Today Radio.

The decision of when to take Social Security is one of the biggest that you will face in retirement. Many people turn to Social Security break-even calculators to help them make the decision, but my guest today insists that this shouldn’t be your only deciding factor. Social Security expert, Devin Carroll from SocialSecurityIntelligence.com joins me today to discuss all […] The post All Things Social Security with Devin Carroll, Ep #260 appeared first on Retirement Starts Today Radio.

You may have seen the news about tennis superstar, Serena Williams’ upcoming retirement. In a recent interview, Serena expresses her heartache about her decision. In our retirement headlines segment, we’ll explore an article from MarketWatch that compares Serena Williams’ feelings with those of many retirees upon their decision to retire. Afterward, we’ll check out a […] The post Serena Williams Feels ‘No Happiness’ Retiring —Will You? Ep # 259 appeared first on Retirement Starts Today Radio.

Have you ever considered taking a sabbatical from work? If you did take one, would it ruin your career and financial goals? Most companies in the United States don’t offer paid sabbaticals like some in Europe, so doing so would require extensive planning. Jake Northrup at Kitces.com recently wrote an article that could help financial planners and DIYers […] The post Planning for a Sabbatical Without Wrecking Your Retirement, Ep #258 appeared first on Retirement Starts Today Radio.

Have you considered moving to a new city in retirement? If you work in the tech industry you may find a city willing to pay you to move there. In today’s retirement headline segment, we’ll dive into an article written by Christopher Mims at The Wall Street Journal which explores towns that provide incentives to lure highly […] The post Cities That Will Pay You to Leave Town, Ep #257 appeared first on Retirement Starts Today Radio.

Nobody likes to think about their own death but to save your loved ones from the headache of trying to navigate your digital accounts without your passwords, you’ll need to set them up for success now. If you don’t take steps to share your accounts after your death, gaining access to your data could be […] The post How to Pass On Your Passwords When You Die, Ep #255 appeared first on Retirement Starts Today Radio.

Many of us have financial goals that extend beyond ourselves to include friends and family. Doing so can be an enormous help to those you love, but it is important to consider your own financial well-being in conjunction with that of the ones you want to help. Today, we’ll look at an article that explores […] The post Supporting Loved Ones Without Derailing Your Retirement, Ep # 254 appeared first on Retirement Starts Today Radio.

Have you ever tried tax loss harvesting? With the markets down across the board, now is a good time to learn to utilize this tax-saving tool. I found a great article about this from Barrons.com that I share in the retirement headline segment. The article explores the traps that can befall someone trying to use this strategy. […] The post 7 Tips for Tax Loss Harvesting, Ep # 253 appeared first on Retirement Starts Today Radio.

If you are like many retirees and soon-to-be retirees, you may be rethinking your entire investing strategy. Stocks are down, interest rates are up, and inflation is eating away at your purchasing power. One listener wonders, with everything going on in the world, should they shift their investments into commodities? In the listener question segment, […] The post Is it Time to Invest in Commodities? Ep # 252 appeared first on Retirement Starts Today Radio.

Nobody likes to experience the uncertainty that a bear market brings, but it’s an even more challenging experience to weather when you are a recent retiree. It’s easy to lose sight of your goals in a bear market which is why I found an article outlining some lessons that you can remember during a bear […] The post Five Things to Keep in Mind During Bear Markets, Ep #251 appeared first on Retirement Starts Today Radio.

It’s no secret that we’re living longer than ever. People are living so long that we may soon be seeing 6 generations in a single-family. With people living such a long time that makes retirement planning even more challenging than ever before. Understanding the 4 stages of retirement can help understand the different approaches to […] The post The 4 Stages of Retirement, Ep # 250 appeared first on Retirement Starts Today Radio.

Inflation is weighing heavy on the minds of retirees right now, so when I came across this article on WSJ.com from Cristin Lourosa-Ricardo, I knew I had to share it with you. Listen in to try and find the silver lining of inflation. If you are a financial advisor fan of this show, make sure to stick […] The post 15 Ways Consumers Can Deal With (and Even Benefit From) Rising Inflation, Ep #249 appeared first on Retirement Starts Today Radio.

It’s true, money can’t buy happiness. But does how you choose to spend your money affect your happiness? Today we’ll discuss one article that challenges that old adage. We’ll also discuss a multifaceted question from a listener who just accepted an early retirement package. We’ll help her consider whether to rollover funds into an IRA […] The post Money Can’t Buy Happiness – Or Can It? [Rebroadcast] appeared first on Retirement Starts Today Radio.

Unless you’ve been living under a rock, you’ve probably noticed a bit of an issue with the stock market lately. This can be distressing for any retiree, but when the declines in stock prices are coupled with high inflation and rising interest rates, then you have a triple threat to your retirement plans. Today we […] The post What’s Going on with the Market?! An Interview with Joseph Hogue Ep # 247 appeared first on Retirement Starts Today Radio.

We’ve all heard of the 4% rule, but did you know that the creator’s recommendation for it has changed over the years? I recently discovered an article from ThinkAdvisor.com that included an interview with the father of the 4% rule, Bill Bengen. In the retirement headlines segment, we’ll take a close look at the article and learn […] The post Father of 4% Rule Urges Caution, Ep #246 appeared first on Retirement Starts Today Radio.

Are you planning on enjoying an active retirement? If so, it may cost you more than you think. On this episode of Retirement Starts Today, I interview Thatcher Taylor, the financial advisor behind ProPathFinancial.com. Thatcher and I discuss how to prepare financially and mentally for an active retirement. Outline of This Episode [1:42] How to navigate […] The post An Active Retirement Could Cost More Money with Thatcher Taylor, Ep #245 appeared first on Retirement Starts Today Radio.

If you are looking to ease into retirement by transitioning into a part-time role first, you won’t want to miss this episode of Retirement Starts Today. In the retirement headlines segment, we’ll explore an article by Anne Tergesen at the Wall Street Journal which outlines topics to consider when phasing out your retirement before retiring […] The post How to Plan for Part-Time Retirement, Ep # 243 appeared first on Retirement Starts Today Radio.

If you have received an inherited IRA or think you will in the future you won’t want to miss this episode. In the retirement headlines segment, we’ll take a look at the proposed changes in regulations regarding inherited RMDs based on the Secure Act of 2020. In the listener questions segment, we’ll hear from Jim […] The post The New IRS 10-year RMD Rule Isn’t What We Thought It Was, Ep #242 appeared first on Retirement Starts Today Radio.

How much thought have you given to your future self? This week’s retirement headline explores the concept of nurturing your future self now so that you can increase your health, happiness, and financial security. Over in our listener questions segment, I’ll answer a question from an anonymous listener about increasing their spending in retirement. They […] The post Future You is Happier than Current You, Ep #241 appeared first on Retirement Starts Today Radio.

If you are heading into retirement you probably have a bucket list that you want to work on. While just about everyone has heard of a bucket list, not many are familiar with the concept of reverse bucket lists. On this episode of Retirement Starts Today, we’ll explore this concept by referring to an article […] The post The Reverse Bucket List, Ep #240 appeared first on Retirement Starts Today Radio.

Do you wish you could have more freedom at work yet still earn a paycheck? Remote work and flexible scheduling may help you ease into retirement rather than plunging in all at once. In our retirement headline segment today, we’ll explore an article from the Wall Street Journal that discusses a new phenomenon that is a direct […] The post Part-Time Retirement Programs Are on the Rise, Ep #239 appeared first on Retirement Starts Today Radio.

When people begin retirement planning they usually have 3 main questions. We cover the questions about what to do about healthcare before Medicare and should I pay off my house regularly on this show. However, the third question, what do I do if I still have kids at home, is not one we regularly address. That […] The post Get the Freeloaders Offloaded with Bobbi Rebell, Ep #237 appeared first on Retirement Starts Today Radio.

When people begin retirement planning they usually have 3 main questions. We cover the questions about what to do about healthcare before Medicare and should I pay off my house regularly on this show. However, the third question, what do I do if I still have kids at home, is not one we regularly address. That […] The post Get the Freeloaders Offloaded with Bobbi Rebell, Ep #237 appeared first on Retirement Starts Today Radio.

Have you been hesitant to retire this year because of all that is going on in the world? On this episode of Retirement Starts Today, we’ll explore a retirement headline from Maurie Backman at The Motley Fool called 3 Reasons Why 2022 May Be a Bad Year to Retire, but then you’ll hear my rebuttal to […] The post Don’t Even THINK About Delaying Retirement, Ep #236 appeared first on Retirement Starts Today Radio.

With the news that January’s inflation rate was a staggering 7.5%–the highest level in 40 years–everyone has inflation on their minds lately. Many retirees are reassessing how they can protect their nest eggs. On this episode of Retirement Starts Today, we’ll explore a WSJ headline, “There’s No Perfect Way to Inflation-Proof Your Investments,” by Anne […] The post The Perfect Inflation Hedge Doesn’t Exist, Ep #235 appeared first on Retirement Starts Today Radio.

Many people begin retirement with the question: what’s next? That question can plant the idea of starting a second chapter whether it be a new business, a side hustle, a passion project, or a consulting business. The question then becomes, how to get started? Gabe Nelson, the host of the Solopreneur Money podcast, is here to […] The post Starting a Business in Retirement, an Interview with Gabe Nelson, Ep # 234 appeared first on Retirement Starts Today Radio.