Retirement Starts Today
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SubscribersSome desirable investment income - like interest and dividends - might actually hurt high-net-worth investors' bottom line. This comes from an article by Larry Swedroe in Financial Advisor Magazine. H...
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- 5 months ago
16:28
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 Journal article highlights how rising Medicare premiums and I...
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- 5 months ago
22:18
Sheryl Rowling positions income tax returns as diagnostic tools — not merely a compliance document — and outlines four common red flags that suggest a client failed to take advantage of proactive tax ...
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- 5 months ago
21:38
Retirees obsess over the exact safe withdrawal rate they think they'll need while simultaneously building layer after layer of backup plans. Dividends, buckets, multiple years of cash, constant Monte ...
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- 5 months ago
18:00
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. We will walk through her eight "anchors" from the...
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- 6 months ago
22:41
What does research say about retirement withdrawal strategies that are specifically designed to leave more money behind? We'll walk through what the research says works best, the trade-offs involved, ...
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- 6 months ago
22:25
Is there an ideal level of wealth? Our Retirement Headline comes from Nick Maggiulli, who starts by rejecting the usual vague answers—"it depends," "on your own terms," or "whatever makes you happy." ...
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- 6 months ago
18:00
Andrew Rosen, CFP®, CEP, writes in a Kiplinger article how to walk through several common reasons people keep working — even as retirement comes into view. Rather than looking at money first, the auth...
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- 6 months ago
21:23
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." In today's Retirement Headline, Meghaan Lurtz explains...
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- 7 months ago
19:38
"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 a new survey that suggests most Americans may be claimi...
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- 7 months ago
22:26
Paul Morrison details how Medicare premiums, including the IRMAA surcharge, are inflating at a rate higher than Social Security COLAs. This disparity is causing concern, as premiums can potentially co...
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- 7 months ago
23:36
A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common struggles of "super savers" in retirement, and the impo...
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- 7 months ago
01:02:06
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 our own thinking — the belief that financial indep...
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- 8 months ago
18:58
New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constan...
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- 8 months ago
15:50
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 number might be more important than any national ave...
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- 8 months ago
15:16
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 managing risks that can threaten your financial se...
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- 8 months ago
18:21
Click here to work with us! Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't running out of money—it's not spending enough of it? A surpri...
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- 8 months ago
15:23
Click here to work with us! Are you spending too little in retirement, worried you might outlive your savings? Many retirees struggle to strike the right balance, often holding back on enjoying the we...
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- 9 months ago
19:37
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 last—great year to make a big charitable gift and ...
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- 9 months ago
21:46
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. By delaying Social Security and using other savings to ...
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- 9 months ago
20:09
If something promises higher returns, it comes with higher risk — even if that risk isn't easy to see. And if something promises to protect your downside, it's usually charging you for it through fees...
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- 9 months ago
20:32
A few episodes ago, we covered Derek Tharp's research suggesting that not everyone should delay until 70 — especially those with shorter life expectancies or limited assets. This week's headline bring...
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- 10 months ago
22:19
Do lower-cost funds tend to outperform pricier ones over time? Jeffrey Ptak analyzed fifteen years of performance data covering virtually every U.S. mutual fund and ETF. He divided them into five "cos...
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- 10 months ago
17:46
Vanguard Research put out a paper called "The Emotional and Time Value of Advice" (June 2025). It claims that there are "emotional benefits and time-saving value that paid professional financial advi...
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- 10 months ago
22:58
Only about 4% of retirees actually wait until age 70 to claim Social Security, despite the financial benefits of delaying them. This comes from an article by Derek Tharp at Kitces.com titled "The Flaw...
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- 10 months ago
27:13
Our retirement headline is from a ThinkAdvisor article titled "Ed Slott: Roth Conversions Are Trickier Under New Tax Law" by Melanie Waddell. "With the extended tax cuts under President Trump's recent...
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- 11 months ago
21:29
Should I collect Social Security early & invest the proceeds into the stock market? This is the age-old question I see on a nearly daily basis in retirement forums. An article from Morningstar - writt...
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- 11 months ago
27:27
Inflammatory headlines are "Clickbait", and I am not immune to falling for them. "Social Security recipients set to face an $18,000 benefit cut in just seven years" is the most recent culprit in my Go...
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- 11 months ago
19:05
"Only 5% of retirees say they're living the dream and 19% are living the nightmare." says Deb Boyden in an article from Yahoo Finance. Deb provides three lessons to protect your future, which we dig i...
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- 11 months ago
20:59
If you've saved more than a million dollars, that puts you ahead of 90% of your peers. Statistically, that makes you a super saver. But one of the biggest challenges super savers face is this: it's ha...
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- 11 months ago
19:07
We're taking another look at one of retirement planning's sneakiest pitfalls — underestimating your own life expectancy. We explore why smart people make short-sighted Social Security decisions, how p...
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- 1 year ago
17:19
We're going inside the new tax rules for retirees. From a brand-new $6,000 deduction for seniors to major changes in how charitable giving is handled, the One Big Beautiful Bill Act has reshaped key ...
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- 1 year ago
28:38
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 our own thinking — the belief that financial indepe...
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- 1 year ago
19:22
The (f)law of averages challenges a dangerous assumption we see far too often in retirement planning: The use of average life expectancy as a reliable planning target. The question is: If you make it...
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- 1 year ago
24:43
Could heaven be an RV in a state park? It is for Marian Barry, who became a traveling nurse after working in hospitals during the pandemic. We share this story from a Business Insider article, pointin...
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- 1 year ago
23:52
New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constant...
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- 1 year ago
16:13
There is a lot to cover in this episode, including new legislation that could impact your retirement. Plus, 6 More Retirement Financial Myths to Avoid, and a listener with substantial assets who wants...
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- 1 year ago
25:53
This week's headline reads like a financial horror story — and unfortunately, it's a true one. 😱 33-year-old Mr. Handy changed jobs and did what millions of Americans do every year: he requested a ro...
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- 1 year ago
16:19
According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key areas in retirement planning: It provides us with som...
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- 1 year ago
18:03
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 questions about it. We're going to hear about it dire...
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- 1 year ago
21:51
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 number might be more important than any national aver...
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- 1 year ago
15:44
What do you do with RMDs you don't actually need? If you're retired and over age 73 — or 75 if you were born in 1960 or later — you know the IRS requires you to start taking Required Minimum Distribut...
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- 1 year ago
19:04
What happens when your emergency cash runs dry—and life keeps happening? A recent article lays out a ranked list of ten ways to access emergency cash, starting with the best options and ending with t...
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- 1 year ago
20:02
"By the time your child turns 18, you've spent 95% of the time you'll ever spend with them in your lifetime." This comes from research by the American Time Use Survey, highlighted by Our World in Data...
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- 1 year ago
16:00
We're talking about rebalancing! Rebalancing is key to any retirement plan, but how often should we do it? That's the topic of today's retirement headlines segment, where we're going to look at an art...
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- 1 year ago
20:44
What are the perceived benefits of moving to a low-tax state in retirement? Is it all it's cracked up to be? We're gonna cover a Wall Street Journal article by Debbie Carlson that delivers an importa...
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- 1 year ago
14:07
How do you stay calm and confident when the markets get messy? In today's Retirement Headlines we go through Cullen Roche's article from Discipline Funds - "Finding Certainty in a Sea of Uncertainty"....
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- 1 year ago
20:20
One of the biggest and often overlooked risks facing retirees is sequence-of-returns risk. The risk of experiencing investment losses early in retirement can have an impact on the sustainability of sa...
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- 1 year ago
16:24
It's no secret that market volatility can feel especially nerve-wracking when you're no longer earning a paycheck. But what if I told you that, historically, every single crash has ended the same way...
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- 1 year ago
18:44
Description
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 Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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