Retire Today

Identifying and understanding 5 simple marriage money talk steps you can take to improve your understanding of finances within a marriage and work towards a common goal. Money is one of the most contentious parts of any marriage. Today, I’m diving into a crucial topic: How can money talk transform your marriage and your retirement? In this episode I lay out five steps you can take to have better m...

Learn how to calculate the impact on your pension from changing your start date and evaluate the value of your pension based on your financial situation. I recently received a question from a listener that sparked an interesting discussion about how to plan for your pension. In this episode of “Retirement Revealed” I dive into an example of how to calculate the total and annual value of your pensi...

Understanding the different ways financial advisors get paid and the circumstances that fit best for each fee structure. A recent article in the AARP magazine sparked this discussion, and I’ll include a link to that in the show notes. The article delves into the different types of financial advisors and the various fee models they use. It’s essential to understand that not all advisors...

Discovering the link between Social Security spousal benefits within a couple and breaking down the consequences of deciding when each person starts taking it. Managing your Social Security as a couple provides opportunities to maximize your available retirement income in a way that an individual cannot. In this episode of “Retirement Revealed” I’m going through an example based on a listener ques...

David Lau of DPL Financial Partners discusses the in’s and out’s of annuities, what to look for in a good annuity and how to utilize them properly in your retirement plan. Annuities are a hot button topic among investors, but my guest in this week’s “Retirement Revealed” podcast, David Lau of DPL Financial Partners, sees the inherent problems with how annuities have been treated in the past. He sh...

Identifying retirement sentiment from the Employee Benefit Research Institute and examining the strategies you can use to avoid unnecessary financial strain in retirement. Today, I’m diving into the latest Retirement Confidence Survey from the Employee Benefit Research Institute (EBRI), which uncovers some surprising trends and offers valuable lessons for your retirement planning. The Early Retire...

Identifying the common health savings account mistakes, identifying key strategies to maximize your HSA and exploring some of the practical ways to utilize your HSA over your lifetime. If you’re like many people, you might not be getting the most out of your HSA. Let’s explore why that might be and how you can change it. Understanding HSA Contributions and Limits Firstly, let’s clarify...

Home ownership is the goal of many retirees, but with the current landscape of interest rates, home prices and longevity predictions, the choice between renting or buying a home in retirement requires a closer look at the data. Today, I’m delving into a topic that many retirees grapple with: whether to rent or buy a house in retirement. Additionally, we’ll discuss how to demonstrate enough i...

Navigating the risks to retirement, maintaining security and transforming your spending strategy from a “save-only” mindset in order to enjoy your retirement. Today, we’re tackling a question that might surprise many: Are you spending too little in retirement? Understanding Retirement Spending Recently, I came across an intriguing article in Barron’s titled “These Retirees Have a...

Financial freedom can be within reach if you utilize accurate forecasting, sound investing principles and the correct lens on your retirement years. Many view retirement as a finish line, marking the end of a journey. My “Retirement Revealed” guest for this week’s episode, Eric Brotman, challenges that perspective and reframes it into another common tradition: graduation. Eric founded BFG Financia...

Addressing many of the biggest retirement risks as defined by the Society of Actuaries and exploring the steps you can take to build a secure future. In one of my most recent episodes, my guest mentioned a report by the Society of Actuaries titled “Managing Post-retirement Risk: Strategies for Secure Retirement.” After I read the 36 page report, I decided to break down the risks they i...

Examining key takeaways and trends uncovered in the Allspring Global Investments Retirement Survey results with Nate Miles, Allspring head of Global Client Strategy. I’m always looking for more data on retirement and Social Security, so when I came across the Allspring Global Investments Retirement Survey and had a chance to speak with Nate Miles from Allspring, I jumped at the opportunity. ...

Identifying the right start dates for Social Security depending on your unique situation, when your Social Security benefit will send you your first check based on your birthday, and IRMAA cost strategies. Every month I take an episode of “Retirement Revealed” to answer listener questions about retirement, Social Security and real life financial scenarios that I think other listeners could benefit...

Author and journalist Marni Jameson shares her expertise in rightsizing as you enter retirement in order to maximize your life satisfaction and remove the clutter that can get in the way of it. I ran across the book “Downsizing the Family Home” and I thought it was an excellent read, so when I had the chance to connect with its author, Marni Jameson, I jumped at the opportunity. Marni is a syndica...

Navigating the choices and options available when you’re deciding when you should start taking Social Security. In this episode of Retirement Revealed, I’m excited to tackle one of the most crucial questions in retirement planning: when to file for Social Security. As we kick off Social Security month, it’s worth looking back at last year’s Retirement Revealed episodes with guests like Mark...

A “True Retirement Story” with Carl Landau, host of the “I Used to Be Somebody” podcast and co-author of “Pickleball for Dummies” that highlights the power of retirement planning Every month I take one episode of “Retirement Revealed” to have a conversation with a retiree to hear their real-life experiences with retirement. It wasn’t long into my conversation with Carl Landau that I started to rea...

Check out the latest podcast episode on retirement planning and Social Security by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” and watch more retirement planning videos at YouTube.com/@MrRetirement . Ready to lower your lifetime taxes? Looking for clarity around rules around gifting money to your kids? Unsure of whether you should keep your money in a traditional IRA or convert it to a...

Check out the latest podcast episode on retirement planning and Social Security by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” and watch more retirement planning videos at YouTube.com/@MrRetirement . For decades, retirement and social security content was focused on men, as men occupied the majority of jobs when Baby Boomers were the predominant generation in the workforce. But women h...

Check out the latest podcast episode on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” and watch more retirement planning videos at YouTube.com/@MrRetirement . When you’re preparing for your retirement, there are a lot of factors to consider. It’s tempting to put your retirement plan on autopilot once you’ve made that plan, but in this episode, I explore 3 simple bu...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for How to Make the Most of Retirement by Unretiring . Summary: [179] – After you retire, will you pull a Michael Jordan and unretire? In this episode, Jeremy Keil speaks with Richard Eisenberg , an unretired freelance writer and editor, and co-host of Friends Talk Mone...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for more answers to listener questions about lifetime tax savings, social security scenarios, retirement spending strategies and more. Questions About Social Security, RMDs & Annuities. [178] This week, Jeremy Keil answers questions from listeners spanning from Soci...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for The Health Tests You Need in Your 40s, 50s, and 60s to Be Healthy in Retirement. Summary: [177] – Which health tests do you need in your 40s, 50s, and 60s for a healthy retirement? In this episode, Jeremy Keil speaks with Dr. Bryan Beaumont , Medical Director and fa...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for How Life Expectancy Can Be The #1 Risk To Your Retirement. Summary: [176] – Is the media reporting the wrong average life expectancy in America? In this episode, Jeremy Keil highlights the importance of understanding life expectancy for effective retirement planning...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for A True Retirement Story. Summary: [175] – What is it like to go from dreaming about retirement to actually being retired? Today we’ll dive into a true retirement story with Fritz Gilbert. In this episode, Jeremy Keil speaks with Fritz Gilbert , author of the book, K...

Check out Jeremy’s latest podcast on retirement planning by listening on “ Apple Podcasts ” or “ Spotify Podcasts ” or read below for my answers to Your Questions About Social Security, RMDs & Annuities. Summary: [174] – We’ve recently received a bunch of questions from our listeners and today Jeremy answers the first batch!  In this episode, Jeremy Keil answers your questions about Socia...