Retire and Thrive

In this episode of Retire and Thrive, Dan and Kamie take on some of the retirement questions people may hesitate to ask. They discuss how much money someone may need to retire, whether people can run out of money in retirement, how major financial decisions can affect a long-term plan, and why diversification and disciplined decision-making matter. They also talk about how supporting adult childre...

Are market crashes really the biggest threat to retirement? In this episode of Retire and Thrive, Kamie and Dan break down the retirement risks that can quietly do even more damage than a market downturn, including inflation, taxes, and longevity. If you are getting close to retirement or already there, this episode will help you think beyond the headlines and focus on what can actually derail a l...

In Episode 41 of Retire & Thrive, Kamie and Dan Langworthy discuss how a financial plan can help you stay grounded during uncertain markets. From downturns and diversification to retirement timing and emotional decision-making, this episode breaks down why sticking to a plan matters more than reacting to fear. In this episode: • Why your financial plan should guide your decisions during market...

How should investors respond when war overseas shakes the markets? In this episode of Retire and Thrive , Dan Langworthy and Kamie discuss market volatility, geopolitical conflict, retirement planning, and the biggest mistakes people make when fear takes over. From COVID and the 2022 Russia-Ukraine invasion to today’s uncertainty, Dan explains why abandoning your long-term financial plan can hurt...

Retirement planning is about more than hitting a number. In Episode 39 of Retire and Thrive, Cody and the team break down retirement taxes, required minimum distributions (RMDs), Roth conversions, Social Security timing, the widow’s penalty, and retirement income planning. Through real client stories, they explain why some people can retire sooner than expected, how tax traps can derail a plan, an...

In this episode of Retire and Thrive, we go beyond the numbers and into the real questions people ask right before retirement. What happens if you finally retire and realize you do not enjoy it? How do you avoid retiring from something instead of retiring to something? And what do you do when spouses are not on the same page about spending? We also talk about working in retirement, the basics of e...

In this episode of Retire and Thrive , Kamie and Dan break down three practical ways to increase retirement spending while staying confident in your long term plan. They cover the three phases of retirement spending, how to withdraw from the right accounts with taxes in mind, and why “guardrails” can work better than strict budgets. In this episode, you will learn: The Go Go, Slow Go, and No Go ph...

Ever wonder why a pro athlete can earn millions and still get hit with a surprise tax bill for a single road trip? In Episode 36, Dan Langworthy is joined by Fortress advisor Cody Schaefer (with Kamie Blair out for a week) to unpack the “athlete travel tax” and other real-world money lessons from the biggest stages in sports, from the Big Game to the Olympics. What we cover: • How athletes can owe...

In this episode of Retire and Thrive , Kamie Blair and Dan Langworthy break down three common spending mistakes that can derail retirement and what to do instead. They discuss why overspending early (especially without a plan) can create long-term problems, how underspending out of fear can keep you from enjoying the life you worked for, and why ignoring inflation can quietly erode your retirement...

Are you unknowingly locking in a permanent 30% pay cut by claiming Social Security at 62? In this episode of Retire & Thrive, we break down the specific math between claiming benefits at age 62, 67, and 70. We also cover the exact "withdrawal rate formula" you need to bridge the income gap without draining your retirement nest egg. Topics Discussed: (00:00) Should I defer Social Secu...

In this episode of Retire and Thrive , Dan Langworthy and Kamie Blair walk through three common retirement tax traps that can quietly increase what you owe—often when you least expect it. They cover how Required Minimum Distributions (RMDs) at age 73 can push you into a higher tax bracket, why Social Security can become taxable (and how some states may tax it too), and how Medicare IRMAA surcharge...

In Episode 32 of the Retire and Thrive Podcast, Kamie and Dan walk through three practical tax strategies for retirees that can help you lower your tax bill, keep more retirement income, and stay in the right tax bracket—without guesswork. If you’re navigating IRA withdrawals, Roth IRA strategy, Social Security and pension income, RMDs at age 73, state income taxes, or charitable giving, this epis...

In Episode 31 of the Retire and Thrive Podcast, Dan Langworthy and Kamie Blair answer a question many people over 50 ask as retirement gets closer: pre tax vs Roth, where should your money go. This episode focuses on retirement tax planning, account selection, and how to avoid the tax surprises that hit many retirees after years of saving in 401k and traditional IRA accounts. Dan explains how to b...

How much money do you really need to retire It is one of the most common retirement questions and in this episode of the Retire and Thrive Podcast we break it down in a clear practical way without the hype or confusing mathYou will learn why retirement is not just about hitting a magic number It is about creating reliable retirement income and building a plan around cash flow not just your 401k ba...

Taxes can be one of the biggest — and most overlooked — risks in retirement. In this episode of the Retire and Thrive Podcast , Dan Langworthy breaks down Taxes in Retirement: What Every Retiree Needs to Know , and explains how poor tax planning can quietly erode your income, trigger surprise tax bills, and increase Medicare costs. You’ll learn how retirement withdrawals are taxed, why withdrawal...

Social Security is one of the most important income sources in retirement and one of the most misunderstood. In this episode of the Retire and Thrive Podcast, we break down seven common Social Security myths that can quietly cost retirees tens of thousands of dollars over time. Many people make claiming decisions based on fear, outdated rules, or incomplete information such as worrying Social Secu...

Why Cash Flow Matters More Than Net Worth | Retirement Income PlanningMany people enter retirement focused on one number: net worth. But net worth doesn’t pay the bills — cash flow does. In this episode of the Retire and Thrive Podcast, Dan Langworthy explains why predictable income matters more than portfolio size, and how retirees with modest net worths can often feel more financially secure tha...

Are you accidentally sabotaging your retirement without even realizing it? In this episode of the Retire and Thrive Podcast, Dan Langworthy breaks down the 9 biggest retirement mistakes that cost Americans thousands in lost benefits, unnecessary taxes, and avoidable financial stress. From taking Social Security too early, misunderstanding Medicare income rules, ignoring RMD planning, taking the wr...

Retirement reveals truths most people never see coming. In this episode, Dan Langworthy exposes the brutal realities that can make or break your future. You’ll learn why cash flow matters more than your portfolio, how taxes quietly shape nearly every decision, why Social Security timing can create a six-figure swing, and why purpose is just as critical as planning. If you want a clearer, more conf...

Are you unknowingly making the biggest mistake retirees still make ? In this episode of the Retire and Thrive Podcast, Kamie Blair and Dan Langworthy break down why so many retirees slip into complacency, struggle to spend their own money, and miss out on the healthiest, happiest years of their life. We cover the real issues retirees face today — from navigating holiday spending and gifting to sta...

Leaving a long-time job can feel exciting… and confusing. Many people don’t expect the loss of structure, identity, and purpose that follows stepping away from full-time work. In this episode, Kamie Blair and financial advisor Dan Langworthy explore why so many people feel “lost” during this transition—and what you can do to regain clarity, confidence, and direction. Dan explains why your job was...

What good is a well-built portfolio if you never enjoy it? In Episode 22 of Retire and Thrive, hosts Kamie and Dan unpack the last lesson from Dan’s book: to have a bigger future, make today matter. We talk about giving yourself permission to enjoy retirement, how to balance memories vs. money, and how modern planning tech lets you test “what-ifs” (taxes, life expectancy, spending rates) so you ca...

How much do taxes really matter in retirement? A lot. In this episode, Kamie Blair and Dan Langworthy explain how marginal tax brackets work, why “only the dollars above the line” jump into the next bracket, and practical ways to stay flexible with pre-tax, after-tax, and Roth buckets. We also cover Roth conversions (even in your 70s), the difference between tax prep and tax strategy, and a real c...

Finances don’t have to be scary—even on Halloween. 🎃 In this episode, Dan and Cami break down Roth IRAs vs. pretax 401(k)/403(b), the power of Roth conversions, effective vs. marginal tax rates, and how to avoid the “retirement tax trap.” Learn when Roth contributions make sense, why your future self will thank you for balance across tax buckets, and a simple way to check your current bracket at...

In this episode of Retire and Thrive, Kamie and Dan dive into one of the most overlooked parts of retirement — tax planning. Why do retirees have more control over their taxes than when they were working? What’s the difference between pre-tax, after-tax, and Roth money? And how can two people with the same savings pay very different tax bills? Learn how to peel back the “tax onion,” balance your i...