Retirement Income School - Safe Money Solutions to Retire Financially Relaxed

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog /////////////// 30. Why Retirement Is Emotional — Not Just Financial  In this special lesson of Retirement Income School™, Dr. Amanda shares a more personal side of her journey and explains why retirement planning is about more than numbers on a spreadsheet. From being a single-mom in grad school with financial stress, to helping her mom navigate retirement after losing her father, Dr. Amanda reveals how those experiences shaped her inspiration for retirement income planning and safe money strategies. You’ll learn why even retirees with millions saved often feel anxious, what truly creates peace of mind in retirement, and why guaranteed income can change how retirement feels. This episode connects real-life experience with powerful research showing that retirement confidence is built on certainty, income, and trust — not just asset size. If you’ve ever wondered why retirement still feels stressful even when “the math works,” this lesson is for you. Timestamps 00:00 – Why this lesson is different & welcome to Retirement Income School™ 01:00 – Dr. Amanda’s personal backstory and why security matters 02:15 – From food stamps to financial planning: why income became the focus 03:30 – Why “retire financially relaxed” is the real goal 05:15 – Common fears retirees experience (even with large portfolios) 06:30 – The real problem: lack of certainty, not lack of assets 08:10 – Why retirees struggle with spending and decumulation 09:30 – Why annuities and pensions change retirement behavior 10:15 – BlackRock research on guaranteed lifetime incomeBlackRock Article Link 12:00 – Market volatility, sequence of returns, and retirement stress 13:45 – Longevity risk and why income matters more as we age 15:30 – How guaranteed income reduces fear, stress, and bad decisions 17:00 – The real goals of retirement income planning 18:15 – Retirement planning as a relationship, not a transaction 19:15 – Why Retirement Income School™ exists 20:00 – Invitation to book a Retirement Income Q&A Call 20:45 – Final thoughts & subscribe reminder About Dr. Amanda Amanda Barrientez | PhD, RICP®, RSSA®, NPN #19460436IBC Practitioner®, Ed Slott's IRA Advisor Group Member®Court of the Table Member MDRT®  Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 29. Roth Conversion Blueprint for an $850K TSP (Live Demo) If you’re a federal employee or retiree with a sizable Thrift Savings Plan (TSP), this episode is designed to help you understand how TSP taxes actually work in retirement. The TSP is excellent at helping you save during your working years, but it doesn’t help you decide when and how that money gets taxed once you retire. That’s where many people get surprised. In this lesson, I’ll walk you through TSP 101, explain where tax challenges tend to show up in retirement, and then take you through a live demo showing how a Roth conversion plan may be structured for an $850,000 TSP using the Roth Blueprint™. This is an educational walkthrough designed to help you understand the process, considerations, and trade-offs involved in Roth conversion planning — not a one-size-fits-all solution. Timestamps 00:00 – Intro: Why TSP taxes surprise retirees 01:00 – What the TSP is designed to do (accumulation vs planning) 01:45 – The three retirement phases: accumulation, tax planning, distribution 02:45 – Why large TSP balances create challenges in retirement 03:30 – RMDs, IRMAA, and the survivor tax issue 04:10 – 2026 update: Roth conversions inside the TSP 05:00 – Why Roth conversion planning is often done outside the TSP 05:50 – Why Roth-friendly annuities are used in this example 07:10 – Case study: Sam & Sally Sample (profile overview) 08:40 – Conversion goals and planning considerations 10:50 – Live Roth Blueprint™ software walkthrough begins 12:40 – Paying conversion taxes externally vs internally 15:30 – Comparing outcomes: bonus vs non-bonus annuity strategies 18:30 – Why Roth conversion planning is highly individualized 19:45 – Key educational takeaways 20:30 – How to get your own Roth conversion analysis 21:00 – Final thoughts & disclaimer 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comLinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 28. Ed Slott on Roth Conversions, IRAs & RMDs | Retirement Savings Time Bomb 📕 LINK TO ED SLOTT'S BOOKThe Retirement Savings Time Bomb Ticks Louder: How to Avoid Unnecessary Tax Landmines, Defuse the Latest Threats to Your Retirement Savings, and Ignite Your Financial Freedom In this lesson from the Retirement Income School™, Dr. Amanda welcomes one of the most respected voices in retirement tax planning — Ed Slott, CPA, author of The Retirement Savings Time Bomb Ticks Louder and founder of the Ed Slott IRA Elite Advisor Group, of which Dr. Amanda is a proud member. Together, they break down the critical retirement tax traps that catch most retirees off guard — including why the Retirement Savings Time Bomb is ticking louder, how smart Roth conversions can dramatically reduce future tax bills, the RMD chain reaction that can push retirees into higher brackets, and the costly Widow’s Penalty that can blindside surviving spouses. They also explore how safe-money tools — such as annuities, whole life insurance, and Roth-friendly strategies — help people protect their wealth, create guaranteed lifetime income, and make their money last.This is one of the most important “classes” you’ll ever take on how to keep more of the money you’ve saved for retirement. Timestamps 00:00 — Welcome + Why Ed Slott’s expertise matters01:00 — Breaking down the Retirement Savings Time Bomb03:00 — Why future taxes may rise (and backdoor tax increases)04:30 — How Roth conversions protect retirees from tax uncertainty06:30 — Delayed gratification: The tax strategy mindset09:00 — Real stories of retirees shocked by high taxes10:30 — The real difference between tax prep vs. tax planning12:00 — How high historical tax rates shape today’s decisions13:30 — Understanding how RMDs and Widow’s Penalty combine16:00 — Why your 60s are the “sweet spot” for Roth conversions18:00 — Government Plan vs. Your Plan for RMDs19:30 — Using annuities as a Roth-conversion safe-money bucket21:00 — Ed’s personal family story on guaranteed income23:00 — How annuities create peace of mind in retirement25:00 — The risk of sequence-of-returns and retirees running out of time26:30 — The ONLY thing better than guaranteed income for life27:00 — Why Ed uses annuities inside his own Roth IRA29:00 — Tax-free legacy planning under the 10-year rule31:00 — The Widow’s Penalty explained: a tax chain reaction34:00 — Why proactive planning affects spouses, heirs & lifestyle35:30 — The mindset behind wealth protection36:00 — Why most advisors never mention RMD tax traps37:00 — Why taking more than the RMD may be smart39:00 — The greatest retirement lesson Ed wishes everyone knew41:00 — The importance of Roth contributions for younger savers42:00 — Why people who own life insurance always wish they had more43:00 — Closing thoughts + How to get help with your retirement plan 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// Links to the TOP 3 EPISODES of the year:🎙️16. Roth Conversion Deadline: Why 2025–2028 Could Save You Thousands 🎥 Roth Conversion Deadline: Why 2025–2028 Could Save You Thousands🎙️19. Roth Conversion Case Study for IRA Millionaires🎥  IRA Millionaire? Watch This Live Roth Conversion Walkthrough 🎙️12. Annuities Explained: Rates, Fees & Why More Retirees Are Saying Yes🎥 Annuities: Scam or Solution? 27. Annuity Q&A 2025: Fees, Caps, LTC Riders, Bonuses & Roth Conversions ExplainedBefore you buy an annuity in 2026, watch this lesson. I’m answering the seven most common annuity questions I received all year — and most people get at least three of them wrong. We’re covering fees, caps, bonuses, LTC riders, Roth-friendly carriers, and how annuity timelines actually work when you’re funding with cash, IRAs, 401(k)s, or TSPs. I also recap the three most-watched Retirement Income School™ videos of 2025 — including Roth conversion strategies and the “Scam or Solution?” annuity breakdown — and I want to thank you for helping the channel hit 5,000 subscribers in under a year. This is the final full-length lesson of 2025, and I’ll be back in 2026 with brand new lessons to help you protect your money, generate guaranteed income, and retire financially relaxed. TIMESTAMPS 00:00 — Why this episode matters before you buy an annuity in 2026 00:27 — Welcome to Retirement Income School™ + milestone: 5,000 subscribers 00:56 — Top 3 most-watched videos of 2025 (Roth deadlines, IRA millionaires, annuity myths) 02:10 — Q1: How do annuity fees actually work? (FIA, MYGA, income riders, variable annuities) 04:45 — Q2: What makes a carrier “Roth-friendly” for partial conversions? 07:00 — Q3: Do I have to move my entire IRA into an annuity? Why partial transfers & ladders work 08:25 — Q4: How long does an annuity contract take to start? (Cash vs IRA/401k/TSP timelines) 11:50 — Q5: How do cap rates & participation rates work on annuities? (Bonus tradeoffs explained) 14:55 — Q6: How does the long-term care rider work in an annuity? (Penalty-free access & income doubler) 16:40 — Q7: How does the annuity death benefit work? (FIA, MYGA, income riders, probate avoidance) 18:45 — Why annuities are misunderstood & how to vet your advisor 19:40 — How to get personalized help with your retirement income strategy 20:15 — Final lesson of 2025 + what’s coming in 2026 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 26. 3 IRA Tax Rules From Ed Slott Every Retiree Must Know In today’s episode of the Retirement Income School™, I’m sharing the three biggest rules I learned at Ed Slott’s Elite IRA Advisor Group training — using Ed’s exact quotes and simple, practical steps you can use to reduce your lifetime tax bill. I just returned from a multi-day intensive workshop with financial planners, CPAs, estate attorneys, and insurance professionals like me — all focused on helping YOU avoid the biggest retirement tax traps. You’ll learn: Why delaying taxes can cost you more later Why your IRA is really an IOU to the IRS And why long-term planning is the key to avoiding RMD surprises, IRMAA surcharges, the widow’s penalty, and inherited IRA taxes Plus, exciting news: Ed Slott himself will be joining us early next year for a conversation you won’t want to miss! If you want to retire financially relaxed with a plan that protects your wealth and creates predictable, guaranteed income, this episode is for you.📕 Link to Ed Slott's Book: The Retirement Savings Time Bomb Ticks Louder 00:00 — Ed Slott Elite IRA Advisor Training Recap | Why Dr. Amanda attends this high-level tax workshop 01:15 — What You’ll Learn Today | Ed Slott’s 3 core rules for lowering lifetime retirement taxes 02:00 — Retirement Tax Strategy: Pay at the Lowest Rates | Why delaying taxes can cost you more later 03:00 — Roth Conversion Timing in Your 60s | Using low-tax years to reduce future RMDs 04:30 — RMD Planning in Your 70s | How forced withdrawals increase your tax bill 05:00 — Annuities for Roth Conversions | How to convert safely using Roth-friendly annuity contracts 06:00 — IRA Tax Truth: “Your IRA Is an IOU to the IRS” | Understanding how much of your IRA is really yours 06:45 — Hidden Tax Triggers: IRMAA, Social Security Taxation, Widow’s Penalty | The chain reaction retirees miss 07:30 — Reducing Your IOU | Moving money from tax later to tax never with Roth conversions + QCDs 08:00 — Long-Term Retirement Tax Planning | Why year-by-year decisions create 30-year tax problems 09:00 — Multi-Year Planning Across Your 40s–80s | Mapping RMDs, Medicare, survivor income, and inheritance taxes 10:30 — Recap of Ed Slott’s 3 Rules | Pay early, understand your IOU, and plan long-term 11:00 — Work With Dr. Amanda | How to schedule a Retirement Income Q&A Call 12:00 — Final Thoughts | Learn safe money strategies so you can retire financially relaxed 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 25. Live Annuity Comparison: MYGA vs FIA with Income Rider for Retirement Income If you had $500,000 to put into an annuity for retirement income, would you choose a guaranteed 5.5% rate for 10 years — or a guaranteed paycheck for life? In this Retirement Income School™ lesson, Dr. Amanda walks you through a live side-by-side comparison between a MYGA (Multi-Year Guaranteed Annuity) and a Fixed Indexed Annuity with an income rider. You’ll see how each one performs for a 65-year-old couple, what kind of income each produces, and which approach might fit your retirement income plan best. Learn how both protect your principal, how they differ in fees, liquidity, and payout structure — and why the right choice depends on your personal income goals. Timestamps: 00:00 – Intro: $500K Annuity Comparison Setup 01:00 – What a MYGA Is and How It Works 02:00 – Fixed Indexed Annuity (FIA) with Income Rider Explained 03:00 – Feature Comparison: Growth Type, Fees, Liquidity, Income 06:00 – Case Study Setup: 65-Year-Old Couple, $500K Investment 08:00 – FIA Income Example – $39,097 Lifetime Income 10:00 – MIGA Income Example – $27,500 Interest-Only Income 12:00 – Understanding Principal Protection & Ratings 15:00 – Key Differences Between MYGA and FIA Strategies 16:30 – How to Combine or Ladder Annuities for Flexibility 18:00 – Recap: Which One Fits Your Plan? 19:00 – Closing Thoughts & Next Steps 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 24. Annuity Fees Explained: SPIA, DIA, MYGA, FIA vs. Variable Annuities In this Retirement Income School™ lesson, Dr. Amanda tackles one of the biggest misconceptions about annuities — that they all come with high fees. She breaks down the four main types of annuities — SPIAs, DIAs, MYGAs, and FIAs — and explains which ones truly have fees (and why). You’ll learn how to spot hidden costs, understand what you’re actually paying for, and discover why some of the best income strategies for retirees come with no fees at all. By the end, you’ll know how to confidently evaluate annuities, compare options side by side, and understand exactly how each type fits into your retirement plan. Timestamps 00:00 – Introduction: “Do all annuities have high fees?” 01:00 – The four main annuity types explained 02:00 – Why SPIAs, DIAs, and MYGAs have no ongoing fees 03:00 – How FIAs work and when an income rider adds value 05:00 – Why variable annuities carry the highest fees (and the biggest risks) 07:00 – Inside an FIA with income rider: how fees are calculated 08:00 – Comparing SPIA/DIA vs. FIA with income rider 10:00 – The benefits and tradeoffs of guaranteed lifetime income 12:00 – Understanding MYGAs and tax-deferred safe growth 13:00 – Variable annuity layers of fees (M&E, subaccounts, riders) 17:00 – Hidden costs and compounding fee impact 18:30 – Recap: which annuities charge fees — and which don’t 20:00 – How to evaluate annuities and ask the right questions 21:00 – Key takeaways and next steps for your retirement plan 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 23. Q&A: Annuities, LTC, Roth & Social Security Featuring Roy Snarr In this Retirement Income School™ lesson, Dr. Amanda sits down with nationally recognized LTC and safe-money strategist Roy Snarr to show how annuities and long-term care planning work together. You’ll hear Roy’s personal “why,” what most retirees get wrong about LTC, and when to use MYGAs, FIAs with income riders, DIAs/SPIAs to build a guaranteed income floor. We also dig into asset-based LTC, tax-free benefits under the Pension Protection Act, Social Security timing, and how Roth conversions can be staged inside annuities to control taxes and IRMAA. Timestamps: 00:00 — Welcome and why LTC + annuities belong in the same plan 01:00 — Roy’s backstory and “safe money first” mission 03:30 — The biggest retirement risk: extended care and what Medicare actually covers 06:30 — How modern LTC works: traditional vs. asset-based vs. annuity/LTC benefits 09:30 — Using annuities to build an income floor: MYGA, FIA + rider, DIA/SPIA basics 12:30 — Inflation resilience: COLA options, indexing, and laddering strategies 15:00 — Pension Protection Act strategy: repurposing old non-qualified annuities for tax-free LTC benefits 17:30 — Coordinating Social Security timing with a guaranteed annuity paycheck 19:30 — Roth conversions: using a MYGA/FIA as a safe staging area to manage brackets and IRMAA 22:00 — Due diligence checklist: carrier strength, surrender schedule, rider costs, liquidity 24:00 — Common myths and red flags in annuity/LTC proposals 26:00 — Roy’s #1 takeaway: guarantee enough lifetime income to cover your fixed expenses 28:30 — Wrap and next steps 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// 22. Retirement Income Paychecks & Playchecks | Tom Hegna #Annuities In this episode of the Retirement Income School™, Dr. Amanda sits down with Tom Hegna — economist, author, and one of the most respected voices in retirement income planning. Together they discuss Tom’s books Paychecks and Playchecks and Don’t Worry, Retire Happy, covering the must-know strategies for creating guaranteed lifetime income, why longevity risk is “the mother of all risks,” and how to think about your go-go, slow-go, and no-go years. You’ll hear Tom explain why he personally owns 13 annuities, how annuity laddering can hedge against inflation, why life insurance is the most efficient way to pass wealth, and the four pillars of a financially relaxed retirement. 📚Purchase Tom Hegna's Books: Paychecks & PlaychecksDon't Worry Retire HappyWho Wants to Be a Millionaire Timestamps: 00:00 – Introduction & why Tom inspired Dr. Amanda’s work 02:00 – The “every day is Saturday” mindset in retirement 03:00 – Go-Go, Slow-Go, and No-Go years explained 04:00 – Why Tom owns 13 annuities and how he uses them 05:00 – Annuity laddering as an inflation hedge 06:00 – Research backing guaranteed lifetime income 08:00 – “Just in case” retirement vs. spending with confidence 09:30 – Why leave life insurance, not money, to your kids 11:00 – How much of your portfolio belongs in annuities 12:00 – Using whole life and Roth annuities for tax-free income 14:00 – IRMAA, Medicare premiums, and tax planning mistakes 15:00 – Insurance company safety and state protections 17:00 – Mortality credits: the “secret sauce” of annuities 19:00 – Why annuities often outperform bonds 20:00 – Understanding fees and spread products 23:00 – Longevity risk: the risk multiplier 25:00 – Seven steps to retire happy (book overview) 28:00 – Use your home equity wisely + wealth transfer with life insurance 29:00 – Tom’s takeaway: the four-step retirement formula 30:00 – Tom’s latest book for young adults: Who Wants to Be a Millionaire 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// In this episode of Retirement Income School™, I sit down with Steve Hutchinson — creator of the Roth Blueprint software — to dive deep into Roth conversions. We cover why the 2018 tax law changes made conversions riskier, how phantom gains can devastate your retirement, why the 4% rule breaks down during conversion years, and how annuities can create stability and protect against losses. If you’re serious about building tax-free income in retirement, this lesson is a must-listen. Timestamps: 0:00 – Welcome + Why Roth Conversions Are Hot Right Now 1:00 – Meet Steve Hutchinson & The Roth Blueprint 2:00 – Why Roths Provide Certainty in Uncertain Tax Futures 3:00 – The $37 Trillion Debt Problem & The 8-Year Conversion Window 5:00 – Why Steve Built Roth-Specific Software 6:00 – The 4% Rule & Why It Fails During Conversions 8:00 – Abigail vs. Melinda: Stable vs. Volatile Market Conversion Case Study 12:00 – Sequence of Returns Risk Magnified in Conversions 13:00 – The Phantom Gains Problem After TCJA 2018 16:00 – Why You Can’t Afford Losses During Conversions 17:00 – How Simplified Accumulation Annuities Create Safe Growth 19:00 – Locking in Gains & Eliminating Downside Risk 20:00 – Marginal Tax Bracket Management Explained 22:00 – Converting Without Out-of-Pocket Costs 24:00 – The Widow’s Penalty & Ease of Annuities in Roth Planning 25:00 – Why Annuities Guarantee Tax-Free Lifetime Income 27:00 – Why NOW Is the Roth Conversion Window of Opportunity 28:00 – Closing Thoughts & How to Book a Roth Blueprint Call 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// Can an insurance company actually go bankrupt — and take your money with it? The short answer is yes, but the full story is very different from what most people think. In today’s lesson, I’ll walk you through the history of life insurance and annuities, how insurance companies are regulated, and the multiple layers of protection that make them some of the safest financial institutions in the world. If you’ve ever wondered whether your retirement paycheck is truly secure, this episode is for you. Timestamps: 00:00 – Can insurance companies really go bankrupt? 01:00 – Why safety matters for retirement income 02:00 – Annuities: predictable, lifetime cash flow 02:30 – Dividend-paying whole life and Infinite Banking 03:00 – Life insurance’s 150+ year legacy of stability 03:45 – Annuities: from Rome to modern retirement income 05:00 – Safe money vs risky money: how contracts guarantee security 06:00 – Regulation, reserves, and how insurers stay solvent 07:00 – Oversight, guaranty associations, and protection layers 08:00 – Why annuities and whole life are “stay-rich” tools 09:00 – My mom’s story: why safety is non-negotiable 11:00 – The bottom line: safe money solutions you can trust 12:00 – How to explore your options at Retirement Income School 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? Schedule a Q&A Call:🗓️ Schedule a Retirement Income Q&A call with me:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog /////////////// Sally retired at 65 with a $1M IRA and felt proud—until she realized how much the IRS could eventually claim. In this lesson, I walk through her real case using my Roth Blueprint software to show how a smart, staged Roth conversion can protect your wealth, reduce future RMDs, and head off IRMAA surprises. You’ll also learn what the OBBBA tax brackets mean for planning and why rising national debt matters for IRA millionaires. Timestamps: 00:00 — $1M IRA and the “tax time bomb” 01:05 — Why consider a Roth conversion now (OBBBA update) 03:10 — National debt and why IRA millionaires are exposed 05:15 — Case study setup: Sally (65, MFJ, AGI $150k, $1M IRA) 06:45 — Live software walkthrough: guardrails and bracket choices 10:30 — Year-by-year conversion path and tax impact 12:40 — IRMAA tradeoffs vs long-term RMD relief 14:20 — Pairing Roth with A-rated annuities for safety 16:00 — How to take the next step with your own plan Other Episode Referenced:  17. Roth Conversions for IRA Millionaires: Avoid These 6 RMD Tax Traps 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.  

Like what you heard in this episode? Schedule a Q&A Call:1. Schedule a Retirement Income Q&A call with me: calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// IRMAA might sound like just another government acronym — but it’s a hidden cost that can quietly drain thousands from your retirement income. It’s based on your income, deducted from your Social Security check, and it increases your Medicare premiums without ever being called a tax. In this episode, I explain: What IRMAA is and how it’s calculated The triple compounding effect that makes it so dangerous And how Roth conversions, whole life insurance, and income planning can help you avoid it altogether If you’re thinking about how to protect your income in retirement, this lesson is a must-listen. ⏱ TIMESTAMPS 00:00 – What IRMAA really is and why it’s called a stealth tax 01:00 – How IRMAA is calculated and which income sources count 03:00 – 2025 IRMAA income brackets (Married Filing Jointly) 04:00 – The real cost of IRMAA for high-income couples 05:00 – The triple compounding effect: how IRMAA grows over time 06:30 – Roth conversions, whole life, and how to reduce surcharges 07:30 – Why planning early makes all the difference 08:00 – How to get personalized help with your income strategy 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.  

Like what you heard in this episode? Here's how I can help:1. Watch my free trainings on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// If you’ve saved $1 million or more in a traditional IRA — congratulations. But here’s the hidden truth: the IRS has already planned how and when they’ll collect taxes on that money. It’s called a Required Minimum Distribution (RMD), and once it starts at age 73 or 75, it triggers a tax chain reaction that could quietly cost you hundreds of thousands over your lifetime — and leave your heirs with a massive tax bill. In this episode, Dr. Amanda breaks down the six costly consequences of RMDs and explains why high-net-worth retirees should seriously consider a Roth conversion strategy before the RMD train leaves the station. You'll also learn how her Roth Conversion Blueprint™ can help you convert strategically — with no out-of-pocket tax costs, no account shrinkage, and no jumping tax brackets. ⏱️ TIMESTAMPS: 00:00 – The IRS already has a plan for your IRA 01:00 – What RMDs are and how to calculate them 02:30 – Chain Reaction #1: Higher taxes every year 03:40 – Chain Reaction #2: Up to 85% of your Social Security gets taxed 04:50 – Chain Reaction #3: Medicare IRMAA surcharges 06:15 – Chain Reaction #4: Loss of tax deductions and credits 07:20 – Chain Reaction #5: The Widow’s (or Widower’s) Penalty 08:10 – Chain Reaction #6: Your heirs inherit a tax time bomb 09:00 – Recap of all 6 chain reactions 10:00 – Why a Roth conversion may be your best defenseListen to this Episode: 16. Roth Conversion Deadline: Why 2025–2028 Could Save You Thousands 11:00 – How Roth-friendly annuities and strategic planning eliminate RMDs 13:00 – How to get your personalized Roth Conversion Blueprint™ 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me:calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// If you’ve been thinking about a Roth conversion, this episode is for you. In this lesson, Dr. Amanda breaks down how the One Big Beautiful Bill Act (OBBBA) creates a powerful window from 2025–2028 for strategic Roth conversions — especially for IRA millionaires. You’ll learn how to convert your IRA using a Roth-friendly annuity with no out-of-pocket tax costs, eliminate future RMDs, avoid IRMAA surcharges, and create a tax-free income stream for life — all while staying in your current tax bracket. She shares a real case study using her Roth Conversion Blueprint™ software, explains how gains in a Roth annuity are tax-free, and walks you through one of the most powerful safe money strategies available today. Timestamps: 00:00 – Why the 2025–2028 window is so important for Roth conversions 01:00 – How OBBBA impacts tax brackets and the new $6,000 senior deduction 02:00 – Why Roth IRAs help eliminate future RMDs and give you tax-free growth 03:00 – The 6 tax problems caused by RMDs 05:00 – Case study: Barbara’s $1M IRA and 4-year Roth conversion strategy 06:30 – What is a Roth-friendly annuity and how does it work? 08:30 – How gains in a Roth annuity are 100% tax-free 10:00 – No IRMAA hikes, no tax for heirs, and no RMDs 12:00 – Why you should convert now — not later 13:00 – How to get your personalized Roth Conversion Blueprint™ 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.  

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// What if dying with millions in the bank isn’t a success story — but a missed opportunity? In this episode of the Retirement Income School™, we’re diving into the powerful book Die with Zero by Bill Perkins — and why it might completely change the way you think about retirement planning. You’ll learn 7 key ideas from the book and how they connect with safe money strategies like annuities, dividend-paying whole life insurance, and legacy planning. We’ll talk about why it’s okay to spend now, when it’s better to give money to your kids earlier in life, and how to design your retirement income to match the different “time buckets” of your 60s, 70s, and 80s. If you’re ready to stop over-saving, start living more fully, and build a plan that helps you enjoy your money while you’re still healthy — this episode is for you. Die with Zero - Order the Book Link: https://a.co/d/99E4ajP 🕒 TIMESTAMPS: 00:00 – Why dying with money isn’t the goal 01:30 – Principle #1: Invest in Memory Dividends 03:15 – Principle #2: Time-Bucket Your Life by Decade 06:20 – Principle #3: Don’t Over-Save — Spend with Confidence 09:10 – Principle #4: Give Money to Your Kids Earlier 11:45 – Principle #5: Use Life Insurance to Fund Legacy 13:15 – Principle #6: Annuities Give You Permission to Spend 14:50 – Principle #7: Health Decline Is Real — Don’t Wait 16:30 – Final Thoughts on Living with Intention 17:30 – Book your Q&A Call and join the School 🔗 Show Links 📅 Want to Find Out More?:Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™:www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube:www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™:www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda:Email: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// If you’re in your 40s, 50s, or even your 30s and starting to think about retirement, this episode is for you. Most people spend more time planning a vacation than they do planning their retirement — and that’s a problem. In this episode, Dr. Amanda walks you through 8 essential questions that will shape your retirement — whether it’s 5 years away or 25. These aren’t just about money — they’re about your vision, your lifestyle, your purpose, and how to create income that supports the life you want. Grab a pen and paper and let’s get intentional about your future. ⏱️ Timestamps: 00:00 – Why most people don’t plan for retirement soon enough 01:00 – What does retirement actually look like to you? 02:00 – If money were no object, how would you live? 03:00 – When do you want to retire — and when can you? 05:00 – What are you retiring to — not just from? 07:00 – How long does your money need to last? 09:00 – What risks keep you up at night? 10:30 – Who will you need to rely on — and who’s relying on you? 12:30 – BONUS: Who will you trust to guide you through it all? 🔗 Show Links 📅 Want to Find Out More?: Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™: www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTube: www.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™: www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. Amanda: Email: DrAmanda@RetirementSolutionsFinancial.com Phone: 1-866-444-2997 LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. ⚠️ DISCLAIMER The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me: calendly.com/rsf-dramanda/initial-consultation🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog/////////////// When it comes to planning your retirement, the person giving you advice matters just as much as the advice itself. In this episode of Retirement Income School, we break down the key differences between a financial advisor and an insurance agent — and how each gets paid. You’ll learn who focuses on market growth, who focuses on protection and guaranteed income, and how to choose the right fit for your goals. I also share five key questions you should always ask before hiring any financial professional. TIMESTAMPS 00:00 — Why who you hire matters 01:00 — How financial advisors and insurance agents differ 03:00 — How financial advisors get paid 05:00 — How insurance agents get paid 07:00 — When to choose growth, protection, or both 09:00 — Five key questions to ask any advisor or agent 11:00 — How I work and what to expect 12:00 — How to take the next step Show Links 📅 Want to Find Out More?Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTubewww.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. AmandaEmail: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda:Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and social security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. DISCLAIMER:The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Like what you heard in this episode? Here's how I can help:1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income2. Schedule a Retirement Income Q&A call with me:calendly.com/rsf-dramanda/initial-consultation ///////////Most people have heard of annuities — but only 1 in 4 actually understand what they are. And that’s no accident. Annuities don’t generate the same fees as Wall Street investments, so most advisors don’t take the time to explain them. In this lesson, we’re changing that. Dr. Amanda breaks down the truth about annuities: how they work, what fees and rates you need to know about, and why more retirees are choosing them in 2025. You'll see how fixed and fixed indexed annuities offer principal protection, guaranteed income, and safe growth — all while helping you build your retirement income floor. Plus, you’ll get a real-world software walkthrough showing how a $200K annuity could produce $20K+ per year in guaranteed income for life. ⏱️ TIMESTAMPS: 0:00 – Why most people misunderstand annuities 1:00 – What annuities really are and where they came from 3:00 – How annuities help build your income floor 4:30 – Different types of annuities and when to use them 6:00 – Why annuities are growing in popularity in 2025 8:00 – How annuity rates work (caps, participation rates, and protection) 10:00 – Understanding fees (or lack of fees) in fixed and fixed indexed annuities 12:00 – Comparing annuities vs. market-based portfolios 14:30 – Case study: Turning $200K into $20K+ per year 18:00 – Long-term care riders, death benefits, and safety layers 21:00 – How state guaranty associations protect your annuity 22:00 – Recap and next steps to explore annuities in your plan Show Links 📅 Want to Find Out More?Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTubewww.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. AmandaEmail: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda:Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and social security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. DISCLAIMER:The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.

Want Your RSSA® Social Security Roadmap? Get it Here:www.SocialSecurity.Solutions🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog ///////////////If you’ve ever wondered how to make the smartest Social Security claiming decision, this lesson is for you. In Part 3 of our Social Security series at the Retirement Income School™, I walk you through a live case study using the RSSA Roadmap. You’ll meet Sandy and Steven — a married couple both turning 62 this year — and see how their work histories, retirement timelines, and life expectancy impact the benefits they’re entitled to. Using real earnings records and personalized scenarios, I’ll show you how this report helps uncover the best strategy to maximize benefits, coordinate spousal timing, and build a reliable income floor. You'll learn: How the RSSA Roadmap software works Why earnings records, life expectancy, and income history matter How to compare filing combinations to uncover your highest lifetime payout What to do next to get your own personalized report Whether Social Security is your main retirement income or just one layer of your plan — this walkthrough shows you how to remove the guesswork and make a confident decision based on real numbers. Timestamps: 00:00 – Why Social Security isn’t simple for couples 01:00 – What this lesson will cover (Part 3 in the series)9. Part I: Is Social Security Going Broke? The Truth You Need to Know02:15 – Why Social Security is key to building your income floor10. Part II: Social Security Spousal, Survivor & Dependent Benefits Most People Miss03:00 – Meet the case study couple: Sandy & Steven 04:30 – Earnings histories and work timelines 06:00 – Uploading your Social Security earnings record 07:00 – Life expectancy assumptions and why they matter 09:00 – How to start your own RSSA Roadmap 11:00 – Filling out your retirement profile 14:00 – Future earnings and retirement age planning 17:00 – Viewing the report summary and heat map 19:00 – Break-even analysis and monthly payout differences 22:00 – Lifetime benefit comparisons 23:30 – Spousal and survivor benefit coordination 25:00 – How to get your own roadmap and schedule a consult Show Links 📅 Want to Find Out More?Schedule a Q&A Call with Dr. Amanda 💰 Join Us in the Retirement Income School™www.RetirementIncome.School 📽️ Watch Retirement Income School™ Content on YouTubewww.youtube.com/@RetirementIncomeSchool 💰 Watch The Guaranteed Income Blueprint™www.retirementsolutionsfinancial.com/guaranteed-income-blueprint 📬 Contact Dr. AmandaEmail: DrAmanda@RetirementSolutionsFinancial.comPhone: 1-866-444-2997LinkedIn: @RetirementIncomeSchool 👩‍🏫 About Dr. Amanda: Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone. She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and social security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence. DISCLAIMERS: The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.As a Registered Social Security Analyst (RSSA), I am an independent professional and am not affiliated with or employed by the Social Security Administration or any other government agency. The Social Security information I provide is for general informational purposes only and is not intended to constitute financial, legal, or tax advice.