RetireCoast

click here: Leave a text, tell us what you liked In this episode of the RetireCoast podcast, we dive into the pressing issue of skyrocketing auto and homeowners insurance rates. Why are costs rising so fast, and what can you do about it? We break it all down, offering actionable insights to help you navigate this challenging financial landscape. Discover why auto insurance rates have surged, from...

click here: Leave a text, tell us what you liked I paid off my house and wrote about it in Quora and at RetireCoast.com .  Listen as you learn what it's like to pay off your house.  And should you?  The discussion includes pros and cons of paying off your house.  Included are ideas about using that money you would pay off your house with for better returns. 💬 "Hey there! If you enjoyed...

click here: Leave a text, tell us what you liked Buying that expensive latte every day is symptomatic of excess spending by many who can not afford it.  This podcast discusses spending patterns that help increase credit card debt and prohibit people from achieving financial independence. It's hits the spot about specific areas of spending that many just don't think about.  Learn where yo...

click here: Leave a text, tell us what you liked Inflation is not going away anytime soon.  Your government continues to spend and offer tax deductions.  Something has to give and that's your lifestyle.  It is time to look at your spending habits and what you really need.    The author went through this exercise and found lots of waste in areas that were not obvious.  Listen as he goes into t...

click here: Leave a text, tell us what you liked Having difficulty paying your mortgage payment or will in the near future?  Don't let your house go into foreclosure there are many options available to you.  We dive into ways people with income can work out plans to keep their homes.  Individuals who have lost their income still have options to avoid a foreclosure and prevent their credit fro...

click here: Leave a text, tell us what you liked Don't buy a condo before listening to this podcast.  If you buy that perfect condo without diving into reserve study and assessments, you could find yourself in big trouble.  Many people have walked away from their condos because very large assessments have been required to complete deferred maintenance on their properties.  The large condo com...

click here: Leave a text, tell us what you liked UPDATE: We dodged a bullet.  Congress came around.  Listen to this updated podcast:  Big Beautiful Bill 2025: What Seniors & Small Businesses Need to Know. The updated podcast explains how not only did congress retain the existing tax reductions added more.  Listed to  Big Beautiful Bill 2025: What Seniors & Small Businesses Need to Know   ...

click here: Leave a text, tell us what you liked [UPDATE 2026] : Significant market shifts in insurance costs, interest rates, vacancy rates, and more have occurred since this recording. For the latest data on the Mississippi Gulf Coast market, listen to episode:  Vacation Home Trends: 2024 Predictions vs. 2026 Reality. Learn about the changes in the vacation home market in 2024 and for 2025 vs th...

click here: Leave a text, tell us what you liked n this episode, we dive into the rules and strategies for deducting losses on rental real estate properties. Whether you're a seasoned investor or just getting started, understanding how to handle rental property losses can help you optimize your tax situation and maximize your returns. What You'll Learn in This Episode: ✅ How rental prop...

click here: Leave a text, tell us what you liked UPDATE NOTE:  This podcast is still relevant in 2026 because in 2025, the Big Beautiful Bill continued the deductions included here plus added an additional large deduction for those over age 65.   Seniors get a large break on their tax liability thanks to a change in the law.  The standard deduction is very high and the tax tables are lower.  Liste...

click here: Leave a text, tell us what you liked Just turned 72, consider something new.  You must start paying back the taxes that you have deferred over the years.  There is no truly free lunch as some would say.  What the government giveth the government takes away. The IRS has a table that tells you how long you are likely to live a your age.  They also tell you how to determine the amount the...

click here: Leave a text, tell us what you liked Large trees near your house can destroy your sewer system, sidewalks, driveways, and your house foundation. Repair costs from tree root damage can be terrific.  You can prevent this from happening if you take action now.   Also, when you plant a new tree, there is a method to contain its future roots.  Listen to our podcast about this topic that aff...

click here: Leave a text, tell us what you liked  No need to travel to New Orleans for Mardi Gras.  You can see it all here on the Mississippi Gulf Coast every year.  More than 20 parades are scheduled in all of the Coast cities from 12th Night (12 days after Christmas) through Fat Tuesday (the day before Ash Wednesday). Listen to our podcast then visit our website to see the latest about Mardi Gr...

click here: Leave a text, tell us what you liked Do you want a judge or attorneys to decide what happens to your assets when you pass?  Your survivors may have no choice unless you take action now to create an estate plan.  Wow, "estate".  This does not mean you are rich, anything you own after passing is called an estate. Even if all you have is money in the bank when you pass, it'...

click here: Leave a text, tell us what you liked Wondering what the biggest expense is?  Listen to this podcast and find out.  Learn how to manage expenses preparing for retirement.  What is the second largest expense? The more you know, the better you're planning for retirement.  Please visit our website at https://retirecoast.com   and read more about retirement and life style.   Support th...

click here: Leave a text, tell us what you liked The month of November is jam-packed with events.  The Mississippi Gulf Coast is famous for its many cultural events held on a continuous basis.  Every city on the Mississippi Gulf Coast hosts a large variety of events during the year but November is one of the most popular months due in part to the mild weather and the fact that winter has already s...

click here: Leave a text, tell us what you liked That's right.  All of those benefits including lower taxes that came from the 2017 changes to the federal tax code are scheduled to revert back at the end of 2025.  Unless Congress and the president do something about it. That large standard deduction will be history.  Everyone will pay much more in taxes if Congress does not reauthorize the 20...

click here: Leave a text, tell us what you liked Everyone wanted to own a vacation rental property a few years ago.  The new trend is to put that property on the market while you still have some equity to save.  Listen while we discuss the overall vacation/short-term rental market and what is going on now and how the future is shaping up.  There are options if you purchased a vacation rental prope...

click here: Leave a text, tell us what you liked There is no need to pay more in income taxes than is absolutely necessary.  Good planning can avoid paying any federal income taxes on your 401k withdrawals or at worst, paying a much lower percentage. Retired persons earn lower income and much of Social Security income is not taxable.  This allows retired persons to earn more meaning add to your ea...

click here: Leave a text, tell us what you liked Have you thought about what you would do when you retire?  How about making some money on your own schedule?  This podcast explores just three examples of small businesses that can be created with little capital.  Basically your knowledge and effort. We explore the whole idea of having fun, making money, and still not giving up on your retirement dr...

click here: Leave a text, tell us what you liked A little patriotic talk about how we got here.  Those 58 men who signed the Declaration of Independence in 1776 and the millions of people trying to get into this country as a result of what they created. It's time that we recognize how we got here and that we owe those 58 men and the thousands of men and women who sacrificed in various wars to...

click here: Leave a text, tell us what you liked Two reasons to avoid buying a new RV.  First, most new RVs need to spend time in the shop within the first year or two of purchase.  In some cases, lots of time in the shop.  Second, you can save a considerable sum by buying a low-mileage used RV. Take it from someone who knows, resist the urge to buy that new RV.  The last thing you want is to take...

click here: Leave a text, tell us what you liked Buy that Sams Club fishing shirt instead of the brand name at twice the price.  Why would you do that?  This is a step towards planning for retirement.  The time when just because you can buy the more expensive shirt maybe you don't.  Put the difference in your retirement account. Just because you have a great salary and can buy that BMW, why n...

click here: Leave a text, tell us what you liked You have about 20 years to retire.  No need to worry as long as you start the planning process now.  Our series on Generation X 20 Years to Retirement will help you.  Our budget planning tool is a key element in this series. This episode discusses the importance of accurate planning to include your expenses and income.  You will probably need to sta...

click here: Leave a text, tell us what you liked Your 401(k) plan is under assault by those whose political agenda is not aligned with your best interests.  401(k) plans are designed to be the bedrock of retirement security.  Investments should be the best and safest available. A big push by progressives to achieve their social and green agenda is to deprive companies of funds to invest and grow. ...