Your Safe Money Show

Understanding how your retirement savings are taxed is an important part of building a successful financial strategy. We explain the differences between qualified and non-qualified money, the importance of properly handling 401(k) rollovers, and how required minimum distributions can affect your retirement income. We also explore tax-efficient withdrawal strategies, Roth conversions, and qualified...

Medicare costs and coverage can change significantly from year to year, making the upcoming open enrollment period especially important for anyone on Medicare. We break down the key differences between Medicare Supplement, Medicare Advantage, and Medicare Cost plans, along with what to watch for in premiums, provider networks, prescription drug coverage, and out-of-pocket limits. We also explain w...

In this episode, we dive into the recent chaotic changes to Medicare Advantage plans, including plan cancellations and the aggressive influx of out-of-state call center pitches. We discuss the hidden risks of signing up through national call centers and how these high-pressure reps often overlook whether your local doctors and medications are actually covered. Finally, we explain why working with...

We sit down with financial educator and author Renee Bryan to discuss her new book, The Morality of Money, and explore how our deepest values and fears shape our financial lives. In this conversation, we look past traditional to-do lists to focus on the power of compounding interest, the true purpose of emergency funds, and the game-changing practice of paying yourself first. Join us as we share p...

We explore how your financial decisions are deeply connected to fear, values, and personal priorities rather than just spreadsheets and figures. Special guest and industry educator Renee Bryan shares her raw personal journey, revealing how financial upheaval helped her reshape her definition of true success. We break down her practical, step-by-step framework to help you navigate life's unexp...

In this episode, we pull back the curtain on AI-assisted fraud to break down the psychological tactics behind deepfakes, voice cloning, and sophisticated email phishing. We share personal experiences and real-world examples, from emergency family impersonation calls to multi-million-dollar corporate deepfake scams, to expose how convincing these modern schemes have become. Finally, we provide acti...

During this episode, we'll cover eight ways retirees may be able to spend their savings with more confidence and less guilt.

During this episode, we’ll consider potential steps to prepare for retirement if you’re about a decade away from that monumental event.

In this episode of Your Safe Money Show, host Todd Sjoberg discusses the "invisible retirement gender gap" and why women face unique financial challenges in retirement due to lower lifetime earnings, career breaks for caregiving, and longer life expectancies. He breaks down key strategies to bridge this gap, such as leveraging spousal IRAs, making catch-up contributions, delaying Social...

Evaluating your financial plan goes far beyond tracking daily stock market swings—it’s about knowing whether your money is actually on track to support your real-life goals. This episode breaks down the key metrics you should measure during a financial checkup, from progress toward retirement to risk exposure and tax efficiency. Tune in to learn how to run a complete diagnostic on your portfolio s...

This week, we talk to an attorney and explain the probate process, how trusts work, and the steps families can take to avoid unnecessary legal complications after a loved one passes away. They discuss wills, beneficiary designations, trustees, funding a trust, and common mistakes that can lead to family disputes or costly probate proceedings. Whether you're creating an estate plan for the fir...

This episode explores the essential legal documents every adult should have, including powers of attorney, healthcare directives, and wills, and explains how each one protects you and your loved ones. An experienced estate planning attorney shares practical guidance on avoiding common mistakes, minimizing legal complications, and making important decisions before a crisis occurs. You'll also...

With inflation, Social Security changes, and rising healthcare costs on retirees’ minds, this episode tackles the most common retirement questions people are searching online right now. Todd breaks down strategies for managing retirement withdrawals, understanding Social Security and Medicare updates, finding flexible post-retirement work, and protecting financial accounts from scams and hackers....

A truly fulfilling retirement requires a lot more than just a healthy bank account—it takes a deliberate mix of financial security and purposeful lifestyle design. This episode dives into actionable strategies to boost your post-career happiness, from creating reliable income streams to discovering your next passion. Tune in to learn how to align your wealth with your personal goals so your golden...

During this episode, we’ll explore what research consistently shows makes retirement genuinely fulfilling.

Deciding which financial documents to shred and which to save can feel like a guessing game. This episode breaks down exactly how long you need to hang onto tax returns, bank statements, and receipts before they can safely hit the recycle bin. Tune in to declutter your filing cabinet with total confidence and zero legal stress.

Leaving your children a financial mess is one of the fastest ways to strain your legacy and their future. This episode breaks down the critical estate, tax, and communication blunders parents make that inadvertently leave behind a mountain of paperwork, hidden debt, and family conflict. Tune in to learn how to protect your assets—and your relationships—with proactive, transparent planning.

Uncover the reality behind common myths as we break down the complex world of premiums, policies, and payouts. This episode explores whether whole life or term coverage truly serves your long-term goals and helps you identify the "fine print" most agents skip. Tune in to learn how to strategically integrate life insurance into your financial plan without overpaying for protection you don...

This essential checklist covers everything from the optimal time to claim Social Security to the often-overlooked tax implications of RMDs and Roth conversions. Learn how to strategically coordinate your portfolio, healthcare, and legacy plan to ensure a secure and confident transition into retirement.

In this episode of Your Safe Money Show, we break down the most common scams and fraud tactics targeting everyday investors—and why so many people think “it won’t happen to me” until it does. You’ll learn how these schemes actually work, the red flags to watch for, and the psychological tricks scammers use to create urgency and trust. Walk away with practical steps you can take right now to protec...

Many retirees struggle with the "spending gap," fearing that enjoying their hard-earned savings today will lead to a shortfall tomorrow. This episode breaks down the psychological and mathematical strategies needed to transition from a lifelong saving mindset to a confident spending phase. Learn how to create a structured withdrawal plan that protects your future while finally allowing y...

Navigating retirement as a couple requires more than just doubling your savings; it demands a coordinated strategy to maximize your shared lifetime income. This episode explores the critical "Spousal Safety Net" and how timing your Social Security claims can protect the long-term financial health of both partners. We also dive into the nuances of survivor benefits and shared investment s...

In this episode Todd goes over the pros and cons of Roth IRA's.

In this episode, we explore the profound peace of mind that comes from organizing your estate and final wishes long before they are needed. We break down the essential documents every adult should have, shifting the conversation from a source of dread to a meaningful act of love for your survivors. Join us as we discuss how proactive planning serves as a final gift that protects your legacy and sp...

In this episode, we break down the "Sequence of Returns" risk and explain why the timing of your retirement can be just as important as the size of your nest egg. We share practical strategies for building a cash buffer to protect your portfolio from sudden market downturns during your first few years of freedom. Tune in to learn how to insulate your lifestyle against volatility so you c...