Dana Anspach CFP®, RMA®, CJ Miller CFP®, RMA®, CPWA®

Making Retirement Make Sense

Business EN ↓ 6 episodes

Making Retirement Make Sense is a retirement planning podcast helping pre-retirees and retirees make smarter, more confident financial decisions. Each episode breaks down the topics that matter most—retirement income strategies, Social Security decisions, taxes in retirement, investment risk, lifestyle planning, and legacy considerations—so you can understand your options and avoid costly mistakes. The show is hosted by Dana Anspach, CFP®, RMA®, Founder and CEO of Sensible Money and a nationally recognized retirement planning expert, published author, and educator, and CJ Miller, CFP®, RMA®, C...

Author

Dana Anspach CFP®, RMA®, CJ Miller CFP®, RMA®, CPWA®

Episodes

Managing Concentrated Stock in Retirement 09.04.2026 1:06:07

The emotional attachment to a company that helped you build your wealth can make it difficult to make rational decisions about when to sell. This episode breaks down the data showing why only a small fraction of stocks create long-term wealth and how you can use strategies to transition out of a concentrated position while maintaining your financial security. Chapters: 00:00 Retirement Landmine In...

How Inheritances Really Fit Into a Retirement Plan 09.04.2026 1:08:21

Many people assume an inheritance will simply “work itself out,” but small estate planning oversights can quietly create tax problems, family conflict, and long delays. In this episode, we explain how inheritances actually work—and how to plan so money goes where you intend without unnecessary friction. Chapters: 00:00 Inheritance Planning Intro 00:38 Lincoln Without a Will 01:22 Wills Titles Bene...

From Paychecks to Purpose: Building a Meaningful Retirement Life 18.02.2026 59:03

Most people think retirement readiness is about hitting a number, but that’s only part of the story. In this episode, we explore the emotional and identity shifts that determine whether retirement becomes deeply fulfilling—or quietly disappointing. Fritz Gilbert is the Founder of The Retirement Manifesto, an award-winning blog focused on “Helping People Achieve A Great Retirement.” He is the autho...

Social Security Claiming Strategies for a Secure Retirement 04.02.2026 58:15

Choosing when to claim Social Security is an irrevocable decision that significantly impacts your long-term financial security. This episode breaks down the pros and cons of claiming early versus delaying, helping you build a strategy that fits your specific needs rather than following general rules of thumb. Chapters: Links & resources from this episode: Visit our website: https://makingretir...

Protecting Your Retirement from Financial Fraud 01.01.2026 1:02:14

Financial fraud is becoming more sophisticated, and retirees are being targeted in ways most people don’t expect. In this episode, we explain the most common scams we’re seeing today and how to reduce your risk without overcomplicating your life. (00:32) - Introduction and Overview (01:01) - Shocking Statistics on Financial Fraud (10:57) - Protecting Yourself: Tips and Tools (31:18) - Spotting Em...

Rethinking Safe Withdrawal Rates 29.12.2025 42:01

Curious about safe withdrawal rates in retirement? In this episode, we delve into their evolution, misconceptions, and practical applications for a financially secure retirement. (00:00) - Introduction and Overview (01:11) - The 4% Rule and Its Origins (06:58) - Customizing Retirement Plans (10:16) - Budgeting Approaches for Retirement (17:30) - Sequence of Returns Risk (20:58) - Exploring the Gua...