Buying a new home in or near retirement can look straightforward until you start weighing taxes, investments, cash flow, and what happens before the old house sells. Matt walks through two recent client scenarios that show why the best answer can look very different from one person to the next. The key is to look at the entire financial situation before deciding how to fund the move. Here’s some of what we discuss in this episode: 🧾 Tax Impact: Considering capital gains, IRA taxes, and Medicare surcharges 🔄 Buy Before Sell: Planning for the gap between purchasing and selling 📍 Relocation: Evaluating affordability before making a move 🏘️ Rental Option: Deciding whether keeping the old home makes sense 🔁 Reverse Mortgage: Exploring another way to preserve investable assets Want to contact us? Website - https://smartmoneyquestions.com/ Email - info@smartmoneyquestions.com Set up a time to talk – http://SpeakWithMatt.com Want to work with us? Find out how we can help: https://smartmoneyquestions.com/work-with-matt/
💸 Ready to take control of your financial future? 📞✨ Book a free call with Matt today! 👉 https://go.oncehub.com/matthausman Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Matt actually thinks. Here’s some of what we discuss in this episode: 💸 Challenging the “8% Rule” – Why 8% withdrawals risk faster depletion. 📉 Sequence-of-Returns Risk – Down-market withdrawals can permanently erode portfolios. 🌎 Diversification Beyond S&P 500 – Broad global exposure beats single-index focus. 🛡️ Distribution vs. Accumulation Phases – Investing changes once paychecks stop. 🧭 Purpose-Driven Retirement & Estate Planning – Define goals, minimize taxes and probate. Resources for this episode: “Retirement Plan” (2026 Oscar Nominee) | The New Yorker https://www.youtube.com/watch?v=2Mqa4zfJdx4 Ramsey’s 8% Retirement Rule Sounds Nuts At First https://finance.yahoo.com/news/ramsey-8-retirement-rule-sounds-170209842.html Want to contact us? Website - https://smartmoneyquestions.com/ Email - info@smartmoneyquestions.com Set up a time to talk – http://SpeakWithMatt.com Want to work with us? Find out how we can help: https://smartmoneyquestions.com/work-with-matt/
💸 Ready to take control of your financial future? 📞✨ Book a free call with Matt today! 👉 https://go.oncehub.com/matthausman Most people think about taxes once a year. The problem is that by the time you're filing your return, it's often too late to make meaningful changes. Matt explains why tax planning is far more important than tax filing and shares a real-life story of a woman whose misunderstanding of the tax code resulted in a six-figure tax bill. If you're retired—or approaching retirement—this episode highlights several costly mistakes worth avoiding. Here’s some of what we discuss in this episode: 🏠 Costly Mistakes: A six-figure tax surprise ⚖️ Tax Law Changes: Understanding new opportunities 💔 Surviving Spouse: Preparing for future tax challenges 📊 Retirement Taxes: Managing distributions wisely 🌅 Live Fully: Enjoying life while planning ahead Want to contact us? Website - https://smartmoneyquestions.com/ Email - info@smartmoneyquestions.com Set up a time to talk – http://SpeakWithMatt.com Want to work with us? Find out how we can help: https://smartmoneyquestions.com/work-with-matt/
💸 Ready to take control of your financial future? 📞✨ Book a free call with Matt today! 👉 https://go.oncehub.com/matthausman What if “playing it safe” with your money is actually creating a different kind of risk? In this episode, Matt challenges common assumptions about retirement investing and explains why financial decisions should be driven by purpose, flexibility, and long-term thinking rather than fear. You’ll also hear how asking better questions could completely change your financial future. Here’s some of what we discuss in this episode: 📉 Conservative Investing: Safety can limit growth 🧠 Risk Tolerance: Emotional reactions matter 👨👩👧 Legacy Planning: Invest with heirs in mind 📉 Alternative Investments: Due diligence is critical ⚠️ Investment Scams: Understand who holds assets 💳 Credit Card Points: Potential estate planning opportunities Want to contact us? Website - https://smartmoneyquestions.com/ Email - info@smartmoneyquestions.com Set up a time to talk – http://SpeakWithMatt.com Want to work with us? Find out how we can help: https://smartmoneyquestions.com/work-with-matt/
Some big conversations are happening right now that could reshape retirement as we know it, from potential Social Security changes to the growing role of AI in investing and everyday life. The challenge isn’t reacting to headlines, it’s understanding what actually matters for your plan. Matt breaks down proposed Social Security changes, smarter ways to save, where AI could help (and hurt), and the risks many retirees don’t see coming. Here’s some of what we discuss in this episode: 📊 Social Security Changes: Possible age and benefit shifts 💰 Tax Diversification: Spread savings across buckets 🤖 AI & investing: Improve efficiency, not timing 🚨 Scam Awareness: Spot manipulation and red flags 🏡 Home Protection: Use equity and alerts Want to contact us? Website - https://smartmoneyquestions.com/ Email - info@smartmoneyquestions.com Set up a time to talk – http://SpeakWithMatt.com Want to work with us? Find out how we can help: https://smartmoneyquestions.com/work-with-matt/