Best of Financial Sanity

I’ve got questions. You’ve got questions. We’ve all got questions! Patrick Ayers will be answering questions in his Mailbag segment. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, indepe...

Do you think you’d make the grade when it comes to financial literacy? Most Americans between the ages of 50 and 75 scored low marks when it comes to a retirement income literacy quiz, according to The American College of Financial Services. For more information on retirement planning, visit ayersfinancial.com ! Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's unde...

Four of the hardest words to hear are “We need to talk.” But sometimes, that’s the best way to start a serious conversation. Unfortunately, many couples and families are putting off the tough conversations they need to have so they can plan for the future together. And preparing for the future as a family through estate and legacy planning … is definitely a good thing. Welcome to Financial Sanity...

A phone call or website can seem so impersonal. Or worse, it could be a financial scam. At least, those are possible thoughts one may have before they visit someone to handle their finances in retirement. It can be a scary thought to go out there and do something new. So, to help provide more confidence to face the unknown, this show will focus on what the process is like for a potential new clien...

According to a new Axios/Ipsos poll , one in five Americans believe they’ll never retire, 62 percent of people who aren't retired yet believe Social Security won't even cover half their expenses and only 33 percent of Americans have a written financial plan. This means nearly 70 percent of us don’t have a written strategy for our money. But there are some simple steps you can take to gauge your pr...

When it comes to most of our families, money can be a very sensitive subject. As you’re getting into retirement, do you find it difficult to talk to your family about your finances? What about giving guidance to them – specifically, your children and grandchildren – when it comes to investing and saving for retirement? Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it...

You’ve spent an entire career saving for retirement. The last thing you need at this stage of the game is to make a misstep, so you end up spending down your savings too quickly. How can you make sure you’ve done enough?  Today we’re going to share with you some simple ways to help you maximize your retirement income. You can help make the most out of your retirement by taking these strategic but...

The New Year is getting closer and closer! We hope you’re looking back fondly on 2024 and, also, looking forward to 2025! However, as always, there’s still a little more work to do before you toast in the New Year. For more information about Patrick and the Ayers Financial team, visit ayersfinancial.com ! Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understanda...

We want to get to YOUR questions in this part of the show, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on his toes with our lightning round of “Think Fast” questions. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall...

Today, we’re talking about the American dream. We don’t mean lavish wealth and incredible luxury. We're talking about the things that we all grow up wanting in our lives – a house, a couple of kids, a new car, a vacation once a year. It’s what you think of when you think of the good life in our country. Many of us grew up with parents who had a life a lot like that. However, in 2024, just how atta...

Patrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern...

We’ve finally reached the finish line of another marathon election cycle that was filled with more twists and turns than any political analyst could have predicted.  So now that we have some answers, where do we go from here? Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall...

Today, we’re talking about a mistake that so many Americans make when it comes to their IRAs. Rolling over an employer-sponsored 401(k) into an IRA can be a great choice for so many of us – but, according to Vanguard, there’s one simple mistake that more than 1-in-4 investors make during that process – and that mistake costs investors a total of more than $170 billion dollars each year in lost ret...

If you’re a parent, you know firsthand – we want even better for our children in life than we want for ourselves. We want them to feel more confident, more stable, more prepared for the future. But, let me ask you this: compared to your parents, how are you feeling about your financial position? If you’re like most Americans, you may feel like you have it tougher, not easier. Welcome to Financial...

Patrick gets questions each and every week about all things retirement. Let’s open our Financial Sanity mailbag and go over some common retirement questions. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern...

How much do you know about inheritance? I don’t just mean your decisions on what to leave behind to who. I mean the legal process of inheritance and what factors go into it – specifically, probate. If you’re like most Americans, you might be in the dark about a lot of the process – and maybe you’ve never even thought about it at all. Welcome to Financial Sanity with Patrick Ayers With so much fina...

It’s important to prepare for financial risks that might threaten your confidence in retirement. Volatility and economic downturns, periods of recession, and high inflation are financial risks that we can’t prevent but we can certainly prepare for. In our “retirement preparedness manual” we’ll help you prepare for these risks.   Welcome to Financial Sanity with Patrick Ayers With so much financial...

You know how we sometimes do things that even we can’t explain? Well, it turns out, this also happens when it comes to our money. Have you ever been so scared of losing money that you didn't take a financial risk? Or maybe you've found yourself buying something just because everyone else is? These are just a couple examples of how our behavior plays a big role in our financial decisions. Welcome t...

No matter what your retirement plan looks like, if you’re like most people, it’s very likely that Social Security is an important part of it – but do you feel confident about Social Security going into retirement? Do you think you’ll be able to rely on it? According to a new survey, most Americans don’t. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandab...

We want to get to YOUR questions, so we’ll get some insights from Patrick on your retirement concerns. Plus, we’re going to keep Patrick on their toes with our lightning round of “Think Fast” questions. Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...t...

Imagine $90 trillion dollars – that’s trillion with a “T,” – transferring from one generation to another. What sort of impact could that have on that generation? Well, apparently, that’s exactly what could happen. According to industry professionals, an American generation, one that already exists, may soon be the wealthiest generation in human history – and it might not be the generation you thin...

Market volatility is a part of life for those of us who rely on investments as part of our overall retirement plan. For many retirees, this represents one of the scariest parts of their plan – and this past month has reminded us all why. Recently, markets have been anything but predictable, rising and falling in response to geopolitical changes and the economy. What does the market really look lik...

There are a lot of moving parts when it comes to preparing for retirement. When should I take my Social Security? When might I accidentally trigger higher taxes? What if I make a wrong move with my retirement savings?    Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Stre...

It’s no secret that with the baby boomer generation reaching full retirement age, we’re seeing more retirements in the U.S. than ever before. As a record number of employees begin to exit the workforce, many are left wondering what will the true impact be? Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insan...

If you ask most Americans if they want more or less money in retirement, I think you could feel pretty confident that everyone would say they’d would rather have more money. Who wouldn’t, right? It seems so obvious that the more money you have, the easier your retirement would be. Well, what if I told you that isn’t always true. Welcome to Financial Sanity with Patrick Ayers With so much financial...