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Retirement Answer Man

Author: Roger Whitney, CFP®, CIMA®, RMA, CPWA®

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A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com
547 Episodes
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We all have our own dreams for retirement and today, Mike and Judy share theirs.  On this episode of Retirement Answer Man, you’ll hear Mike and Judy describe their ideal retirement, then in the Rock Life segment, Kevin Lyles will lay out the 4 pillars for a balanced life.  As a bonus, you’ll hear Mark Ross interview me about my imperfect journey and the purchases we’ve made in Colorado.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT MIKE AND JUDY WANT IN RETIREMENT [2:42] Their values [7:27] Their base great life [15:56] Their wants ROCK LIFE WITH KEVIN LYLES [30:33] 4 pillars for a balanced retirement TODAY’S SMART SPRINT SEGMENT [41:35] Think about your ideal retirement MY COLORADO UPDATE WITH MARK ROSS [42:40] Where did the Colorado idea begin? [49:50] How did Roger get to this next step? [54:47] How they ended up with two lots in Colorado [58:14] What are the plans now [1:03:28] How he’s reflecting on what he’s learned Resources Mentioned In This Episode WDW podcast Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Would you like to have the confidence to know that it is all going to be okay so that you can walk away from your career? So would Judy! In this episode of Retirement Answer Man, you’ll meet Mike and Judy, an educator and an attorney. They are both facing burnout and ready to throw in the towel, but before they retire, they want to make sure they can swing it. Join us over the next 4 episodes, to learn more about Mike and Judy’s journey to retirement. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN MEET MIKE AND JUDY [3:40] Why Judy wanted to join the show [6:42] A bit about Judy and Mike [10:28] What they want to accomplish [15:52] How she is helping with her dad [18:38] Mike and Judy’s ideal retirement date [24:21]Their overall objective ROCK LIFE [28:16] What kind of sun protection do we really need? [29:07] The types of skin cancer and what to do about it [38:06] Who is at the most risk of skin cancer [42:04] Sun protection TODAY’S SMART SPRINT SEGMENT [47:49] Complete the values worksheet from 6-Shot Saturday Resources Mentioned In This Episode Live Long and Well with Dr. Bobby  Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Have you heard of IRMAA? IRMAA can be an unwelcome surprise if you aren’t expecting her.  On this episode of Retirement Answer Man, you’ll hear what to expect from IRMAA and your Medicare costs. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:14] Recent feedback [6:57] What IRMAA surcharges are IN THE NEWS [14:55] Structured protection ETF [25:06] What the details show LISTENER QUESTIONS [30:23] Should we keep our life insurance policy? [34:42] Will the lack of a bachelor's degree hurt a retirement planning practice? [36:02] Where to get the materials for the Certified Retirement Counselor curriculum ROCK LIFE [37:51] Cultivating a growth mindset through curiosity [40:58] How to cultivate curiosity TODAY’S SMART SPRINT SEGMENT [50:55] Practice asking a dumb question Resources Mentioned In This Episode International Foundation for Retirement Education Form SSA-44 Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center  
What is your risk tolerance? What does risk tolerance even mean? Why does it matter?  We’ll explore these questions as I answer one of our listener’s questions on getting back into the stock market with a low risk tolerance.  Listen in to learn why he may not need to follow the traditional way of doing things. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:00] How much risk to take in retirement IN THE NEWS [19:10] The AT&T data breach [23:03] What I’m going to do about it [26:00] How are password managers safer options for keeping passwords? LISTENER QUESTIONS [30:53] How does moving a 529 to a Roth IRA work? [33:32] How to know if Johnny should be looking for another financial planner TODAY’S SMART SPRINT SEGMENT [37:35] Rethink your password protection Resources Mentioned In This Episode 1Password Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center  
  Have you thought about getting a mortgage for your home in retirement? If so, have you strategized how you would pay it off? In this episode, we explore Scott’s question about pursuing a mortgage and paying it off early. Listen in to learn some different strategies you could use if you plan to get a mortgage on your home in retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:08] Should Scott get a mortgage to build his retirement home? LISTENER QUESTIONS [12:13] HSA fees can be more expensive than the interest [15:14] What should John think about when deciding on whether to get a mortgage? [19:12] On using reverse dollar cost averaging [22:07] Can we use Roth conversions to do RMDs? [25:29] Understanding investment advisory fees [29:28] Tom’s perspective on his retirement ROCK LIFE [33:41] On cultivating a growth mindset TODAY’S SMART SPRINT SEGMENT [35:00] Take your thought and do it in the moment Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Let’s get back to basics—addition and subtraction two ways to get to the same answer. However, we have a tendency to stick with addition. Today we’ll learn how subtraction can help you come out ahead. Why am I talking about elementary math on a retirement podcast? Listen in to find out.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:12] Is scarcity really a negative thing? [6:04] Stop trying to aim for precision [11:17] Stop making retirement planning your new job [14:03] Stop optimizing for returns [17:42] Stop thinking you have to retire to something rather than from something [21:25] Stop thinking you can wait [24:16] Stop thinking you need to resign yourself to what is LISTENER QUESTIONS [27:10] Turn off dividend reinvestment in your decumulation phase [30:00] A rucking comment [31:03] On Social Security survivor benefits [33:26] On inherited IRAs ROCK LIFE WITH DR. BOBBY DUBOIS [35:15] Movement studies [45:05] Why does movement matter? [48:51] Why the Hadza’s sedentary lifestyle is different from ours [50:55] Why vitamin D is or isn’t helpful TODAY’S SMART SPRINT SEGMENT [1:00:34] Find an opportunity to move Resources Mentioned In This Episode YouTube video - What You Should Know if You Inherited an IRA Episode 532 - How To Manage Your Scarcity Brain With Michael Easter Episode 530 - What Is True Retirement Planning? With Christine Benz Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Have you ever considered moving to a retirement community? With the freedom that retirement brings, many people begin to rethink their living arrangements.  On this episode, you’ll hear how Brad and his wife decided to move to a retirement community. Listen in to hear how they approached their decision, the research they put in on where to retire, and how they enjoy their new locale.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN A MINI CASE STUDY [2:40] How Brad discovered The Villages [10:55] What led them to explore 55+ communities [13:10] How The Villages are organized [20:35] How to explore places to move in retirement LISTENER QUESTIONS [23:50] Should we consider getting I-bonds in 2024 [29:50] Clarifying new catch-up rules in 2026 [32:27] Charlie’s comment on systems thinking [36:18] Where to put taxes in your planning software [38:41] A suggestion for the podcast TODAY’S SMART SPRINT SEGMENT [40:06] Think about where you are going to live in retirement Resources Mentioned In This Episode YouTube video - What You Should Know if You Inherited an IRA After January 1st, 2020 I Bonds Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Does a withdrawal strategy in retirement have to be complicated or can you simply do a reverse of dollar cost averaging? In this episode, we’ll take a look at how reverse dollar-cost averaging would work by using an example and discover who it works for. Click play to learn if this withdrawal strategy would work for you. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT WITH A LISTENER QUESTION [1:44] Is it okay to do a reverse dollar-cost average for withdrawals in retirement? IN THE NEWS [14:30] The rules have changed for Inherited IRAs LISTENER QUESTIONS [18:55] What should Vicky do with the proceeds from the sale of her home? [24:09] What to do with a 10-year inherited IRA [27:55] What is the best way to fund bucket #1 to prep for retirement? [35:10] A topic suggestion TODAY’S SMART SPRINT SEGMENT [36:11] Evaluate the resilience of your plan Resources Mentioned In This Episode Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center  
We would all love to have that magic number–the exact amount we need to retire. However, since there are so many unknowns it is impossible to attain an exact number. This is why the big question of retirement is a complex one.  In this episode, I’ll walk a listener through the process of how she can learn how much she really needs to retire. Make sure to stick around to hear about the books I read in March. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [1:46] How much do I really need to retire? [20:30] A comment on the FIRE movement [22:09] How to change advisors [27:28] How to get into the decumulation state of mind [32:37] Feedback on the Michael Kitces interview BOOKS I READ IN MARCH [34:00] Books I read this past month TODAY’S SMART SPRINT SEGMENT [36:22] Revisit your feasible plan of record to see how resilient it is Resources Mentioned In This Episode BOOK - Gulag Archipelago by Aleksandr Solzhenitsyn BOOK - Tai Pan James Clavell BOOK - Soul of an Octopus by Sy Montgomery The State Of Retirement Planning With Michael Kitces What is the FIRE Movement? NewRetirement.com Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Have you been wondering what retirement is like for real retirees out in the wild? With the success of our Retirement Plan Live series, we decided to try mini-case studies to learn more about what retirees like you are doing to rock retirement.  In this episode, you’ll hear some feedback from Sarah who asked a question on the show about a year and a half ago. Listen in to hear how she responded to the advice I gave. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN A MINI CASE STUDY [2:27] Sarah’s case  [8:06] What you can do for you [10:01] A plan of record is the first step LISTENER QUESTIONS [13:00] What should Lucas take into account as he prepares to pay off his mortgage [20:00] Investing in retirement with a pension [26:08] How Joe is incorporating the Die With Zero philosophy by gifting ROCK LIFE WITH DR. BOBBY DUBOIS [28:24] What is rucking? [29:27] Why try rucking? [40:49] How do you get started rucking? [48:44] How to measure the benefits of rucking TODAY’S SMART SPRINT SEGMENT [50:00] Go try rucking by walking with something on your back  Resources Mentioned In This Episode Retirement Plan Live: Their Financial Resources - listen to Sarah’s question here Go Ruck BOOK - Die with Zero by Bill Perkins BOOK - The Power of Moments by Chip Heath Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Michael Kitces is one of the innovators in the retirement planning and financial services space. His blog and ecosystem of resources help retirees and financial advisors gain the base knowledge needed to rock retirement. On this episode of Retirement Answer Man, Michael joins me to discuss the state of retirement planning, how it has changed, and how you can live your retirement to its fullest. Listen to this interview with one of the great minds in retirement planning.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT WITH MICHAEL KITCES [5:20] Trends in retirement planning [22:40] How to avoid dying with too much money  [36:51] How to choose a retirement planner [43:38] How does someone choose a retirement planning firm TODAY’S SMART SPRINT SEGMENT [49:04] Evaluate the quality of your process for making decisions in retirement Resources Mentioned In This Episode BOOK - Die with Zero by Bill Perkins BOOK - It’s Not Complicated by Rick Nason Kitces.com Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Have you ever wondered why it is so hard for you to spend your money? Even now after all these years of saving you know you have enough, but it’s hard to let go and untie those purse strings. Today, my friend and renowned author, Michael Easter joins me to discuss overcoming frugality from a different perspective. Click play to hear about the evolutionary mismatch that hinders you from spending your money.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:38] Clarification on the 5-year Roth conversion rule [4:36] Simple IRA rules [6:50] The tax impact of waiting to take Social Security PRACTICAL PLANNING SEGMENT WITH MICHAEL EASTER [12:00] Why Michael pursued the concept of the comfort crisis [18:32] How discomfort becomes rewarding [20:20] How we can change our decisions in small ways [24:25] How to manage your scarcity brain in retirement [33:48] We often focus too much on the numbers [36:59] The scarcity loop TODAY’S SMART SPRINT SEGMENT [41:10] Take the stairs Resources Mentioned In This Episode BOOK - The Comfort Crisis by Michael Easter BOOK - Scarcity Brain by Michael Easter Stutz Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
For the past ten years, we have been exploring how to do retirement right so that you can get down to the business of living a great life.  This is why this month we have had a series of special guests. Today’s guest is behavioral investment expert and author Dan Crosby. Together we explore why it is so hard to overcome your money mindset and how you can learn to let go to enjoy the money you have worked so long and hard to save. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT WITH DAN CROSBY [3:38] Overcoming frugality [10:56] How to gain confidence in the midst of uncertainty [19:19] What are things you can do to overcome your frugality LISTENER QUESTIONS [26:52] How do people in retirement spend less money than more money? [33:44] Does it make sense to use money allocated for a 401K for a second home? [37:33] A comment on this past Retirement Plan Live [39:20] How to fund my HSA in retirement  [42:13] How to look for blind spots once you have your feasible plan of record TODAY’S SMART SPRINT SEGMENT [47:16] Is there something else important that you could add to your life or retirement Resources Mentioned In This Episode BOOK - The Soul of Wealth by Dan Crosby BOOK - The Top 5 Regrets of the Dying by Bronnie Ware BOOK - Die with Nothing by Bill Perkins Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Retirement planning has changed over the years, but has the industry evolved to keep up?  Your retirement needs are much different from those of your parents' generation. This is why it is important to focus on retirement planning in a holistic way rather than from solely a financial perspective.  Morningstar’s Christine Benz joins me today on this episode of Retirement Answer Man. This seasoned retirement journalist shares her thoughts on the state of retirement planning, long-term care, investing in retirement, and what encompasses true retirement planning. Listen in to gain more perspective as you navigate your retirement journey. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT WITH CHRISTINE BENZ [4:55] The state of retirement planning as a process [18:30] The state of investments for retirement planning [22:16] The state of long-term care [25:26] How to begin to plan for retirement decumulation LISTENER QUESTIONS [30:45] About opening a Roth for a child [32:51] How to create a 5-year income floor with financial capital [37:11] On using bonds to fund the 5-year income floor [41:44] Should you keep investment accounts under the FDIC and SIPC limits? [46:30] Should I have a Simple IRA and Solo 401K? TODAY’S SMART SPRINT SEGMENT [50:00] Understand what this year’s retirement contribution levels are Resources Mentioned In This Episode BOOK - More than Enough by Mike Piper BOOK - Die with Zero by Bill Perkins Morningstar Christine Benz The Longview Podcast Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center  
This month we celebrate the Retirement Answer Man’s 10th anniversary milestone with several guests throughout the month.  Today we welcome Professor Rick Nason, author of It’s Not Complicated, to discuss complicated vs complex thinking. If that discussion didn’t Stick around for the listener questions with Tanya Nichols and Bring It On with Dr. Bobby Dubois OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN COMPLICATED VS COMPLEX THINKING WITH PROFESSOR RICK NASON [4:20] Defining simple, complicated, and complex [9:11] Why it is important to identify whether you’re dealing with complicated vs complex [18:10] How to approach complex problems [29:30] How AI plays into the discussion of complex vs complicated thinking LISTENER QUESTIONS [38:50] On portfolio performance calculations [46:18] How to decide whether to stay with an advisor or move to another firm? [51:38] How to take your RMD [57:02] On the Dying with Zero book [57:31] On Don Quixote BOOKS I READ THIS MONTH [58:56] The books I read this month BRING IT ON WITH DR. BOBBY DUBOIS [1:04:02] Exploring uncertainty [1:09:53] Uncertainty in retirement [1:22:14] How to test anxiety treatments TODAY’S SMART SPRINT SEGMENT [1:25:27] Please fill out our listener survey Resources Mentioned In This Episode Align Financial The Fog of War Trillion Dollar Bet BOOK - Horse by Geraldine Brooks BOOK - Lessons in Chemistry by Bonnie Garmus BOOK - Life of Pi by Yann Martel BOOK - Die with Zero by Bill Perkins BOOK - When Genius Failed by Roger Lowenstein BOOK - It’s Not Complicated by Rick Nason BOOK - The Comfort Crisis by Michael Easter BOOK - The Scarcity Brain by Michael Easter  BOOK - From Strength to Strength by Arthur Brooks  Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Those who have FIREd like Keven Sebesta are choosing to rock life each day. In this final episode on the FIRE movement, we’ll explore what we can learn from them. Join Kevin and me to discover how you can do what FIRE is doing right. What can you learn from FIRE? Traditional retirement planning is all about achieving the end goal. Climbing the mountain and reaching the summit. However, FIRE embraces life today. Those in the FIRE movement see life as an endless journey to explore.  Don’t wait to explore your passions and interests. Do them now. If that isn’t possible, examine how your life is structured and begin to build a life filled with intentionality. Build connections and community based on your interests.  Listen in to learn how you can create a rich life now without waiting until retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [3:55] When I retire I will… [5:10] Lessons to learn from FIRE movement [13:43] What financial lessons to learn from FIREd people [16:23] Planning from the inside out LISTENER QUESTIONS [22:18] What is the payoff/penalty of using my IRA to do a Roth conversion? [30:25] Moving money from an IRA to an HSA [34:07] On refilling the pie cake  [38:47] Make sure you have enough taxes withheld when doing Roth conversions [41:39] Can Gail open a Roth for her granddaughter? TODAY’S SMART SPRINT SEGMENT [43:33] Write down one thing that you know well and question it with a mindset of curiosity Resources Mentioned In This Episode Arthur Brooks Cal Newport Designing Your Dream Life with Arthur Brooks Mark’s Money Mind Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
The Challenges of FIRE

The Challenges of FIRE

2024-02-2150:22

Over these past few weeks, we have been discussing the FIRE movement with Kevin Sebesta, a coach in the RRC who achieved FIRE some time ago and has been rocking retirement ever since.  This week Kevin helps me explore the challenges that retiring early can bring. Listen in to hear if these are similar to the issues you face in retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [4:58] The challenges of leaving traditional work early [10:55] Healthcare is one of the challenges [17:28] The non-financial challenges of FIRE LISTENER QUESTIONS WITH ANDY PANKO [27:44] Which Social Security benefit should we take? [31:28] Relating to working with a bad financial advisor [36:47] What to do with an overfunded whole life insurance policy [43:07] How are IRMAA surcharges calculated? TODAY’S SMART SPRINT SEGMENT [47:55] When you’re in a disagreement with someone, step out and reset yourself to gain perspective Resources Mentioned In This Episode Retirement Planning Education podcast Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
The Benefits of FIRE

The Benefits of FIRE

2024-02-1452:21

Now that we know what FIRE is, let’s learn the benefits. In this episode of Retirement Answer Man, Kevin Sebesta joins me to discuss the benefits of FIRE.  Afterward, Mark Ross comes aboard to noodle on why creativity is important in retirement. And finally, Taylor Schulte from the Stay Wealthy podcast helps me answer some listener questions. Don’t miss out on this informative episode! OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [1:41] Life as a journey [3:00] Benefits of retiring early BRING IT ON WITH MARK ROSS [19:09] Why is creativity important? LISTENER QUESTIONS WITH TAYLOR SCHULTE [25:52] About the Retirement Podcast Network [28:43] How to choose between investing in a Roth 401K and a traditional investment account [33:55] Timing a reallocation of assets [39:45] A good, detailed, free retirement calculator [44:55] Why Rosie didn’t hire another financial planner TODAY’S SMART SPRINT SEGMENT [50:28] Define whether your decisions are hats, haircuts, or tattoos Resources Mentioned In This Episode New Retirement Calculator The Retirement Podcast Network Stay Wealthy Podcast Define Financial BOOK - Coaching Beyond Words by Anna Sheather BOOK - How to Think Like Leonardo DaVinci by Michael Gelb BOOK - Atomic Habits by James Clear PODCAST - Choose FI PODCAST - Catching Up to FI BOOK - The 100-Year Life by Andrew Scott and Lynda Gratton BOOK - The Second Mountain by David Brooks  Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
Have you heard of the FIRE movement? It’s become increasingly popular in the past few years. Even if you are technically too old to retire early, there is something we can all learn from FIRE seekers.  In this episode, Kevin Sebesta, a real live FIREer joins me to discuss what FIRE is, how he achieved it, and what people who retire early do with their time.  Make sure to stick around for the Bring It On segment with Dr. Bobby Dubois to learn whether supplements are worth the time and money we spend on them. Dr. Bobby helps us develop a framework for deciding whether supplements are right for us.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT I READ IN JANUARY [2:02] Books I read last month PRACTICAL PLANNING SEGMENT [5:55] Meet Kevin [9:56] Defining FIRE [15:24] Who enjoys FIRE  [21:23] Why FIRE has caught on BRING IT ON WITH DR. BOBBY DUBOIS [26:12] Why are supplements important? [30:54] How should we go about exploring supplements? [39:44] What do the studies show? [44:18] What about multivitamin supplements? [48:20] What supplements does Dr. Bobby support? [52:10] The takeaways TODAY’S SMART SPRINT SEGMENT [53:58] Read a book! Resources Mentioned In This Episode BOOK - Scarcity Brain by Michael Easter BOOK - Moby Dick by Herman Melville BOOK - The Eye of the World by Robert Jordan Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
How do you manage a joint cash flow with separate assets? In addition to discussing Mark and Mary’s situation, today I chat with Kay about how she and her husband handled finances with their late in life marriage. Kay gives us some insight on how to manage finances in a financially unbalanced relationship. You’ll appreciate her perspective on how to manage the household cash flow when you haven’t always been married. Make sure to stick around to hear an update from Sam, our single Retirement Plan Live case study from 2018. She’ll let us know how she’s been doing, what has surprised her about retirement, and whether her retirement plan has changed.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN RETIREMENT PLAN LIVE [6:40] A comment about this RPL [8:12] How to discuss uncomfortable topics with your partner [13:56] Some examples of how separate assets can work [19:03] Chatting with Kay about her relationship and prenup [25:14] How they managed cash flow after they married [31:40] How they navigated the financial challenges in their marriage CATCHING UP WITH SAM FROM THE 2018 RETIREMENT PLAN LIVE [34:18] What Sam has been up to since we last chatted [38:01] How she has dealt with the ups and downs of the markets [42:26] Does her retirement plan look the same? [44:41] What has surprised her about retirement TODAY’S SMART SPRINT SEGMENT [50:24] Think about how you will manage your cash flow in retirement Resources Mentioned In This Episode 2018 Retirement Plan Live with Sam 219, 220, 221, 222, 223 Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger’s Retirement Learning Center
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Comments (7)

Nina Brown

💚WATCH>>ᗪOᗯᑎᒪOᗩᗪ>>LINK>👉https://co.fastmovies.org

Feb 5th
Reply

Carol Mullner Caruso

Not sure how to word this but every Wednesday when I go to the podcast I read how it's titled and sometimes a title gives misleading info as to whats really in the podcast. for instance the wonderful Amy Bloom segment was for me the most meaningful but I might have put off listening based on the title of that content. I've learned to click further and explore all that's going to be covered. but some may not do this and miss some wonderful stuff. Thanks for all you and your great staff do!

Jul 7th
Reply

Martin Dieu

6

Jun 10th
Reply

Elizabeth Ann Cobb

when you cover Medicare please include a caution people with health benefits through their pension plan about changing to a plan through a navigator. By changing to one of these. their costs could increase because they could loose the financial assistance the health benefits through their pension provides. Navigators are typically not trained to ask the questions necessary to determine if a person has health benefits through their pension.

Jun 10th
Reply

Paul

When, not if, a crash happens. Coronavirus is the when. Let's see Trump brag his way out of this. This is going to wipe us all out.

Feb 29th
Reply

Paul

When I started listening to these "Live" series, my fist thought is he should be applied for Social Security Disability. Everyone in this situation should. I just stated listening to this 2nd podcast, so I'll see if you bring this up. Hope so.

Sep 19th
Reply

John B

The "rule of 55" can occur anytime in the YEAR that you turn 55.

May 14th
Reply