Retirement Answer Man Show

#200 – Market Correction Fire Drill – Step 1

Wed, 13 Dec 2017 11:00:12 +0000

Talking about a market correction can either seem scary or far-fetched in this economic climate. But it is important to understand that a market correction will happen. And it is important is to know what to do when the market correction does happen. On this episode, we will go over how to prepare for when the market correction happens. This episode explains step one of a multi-step process. You will want to make sure to listen to this episode and all the episodes in this series to help you prepare for the impending market correction. Don’t let the market catch you off guard!

#Market correction fire drill - step 1. Listen to this episode of #Retirement Answer Man to help prepare your #portfolio for the next #MarketCorrection.
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What are the most important things to do to help prepare your portfolio for any eventuality?

How do we fortify our investments when the market correction happens? If you are near retirement assessing your risks is one of the most important things you can do to prepare yourself for retirement. On this episode, we go over two important questions to have in mind to see if you are really prepared for any eventuality. As you get closer and closer to retirement age you need to reassess your risks and their connection to how you hope to live in your retirement. Listen to this episode to find out which questions you should be asking yourself to prepare yourself for the inevitable market correction.

How do you measure your risk tolerance?

Have you really thought about your risk tolerance when it comes to your retirement investments? This episode will make you think again. You need to make sure you know how much risk you are taking in your investments. The investment industry maximizes your risk tolerance, but the last time you thought about risk may have been some time ago. Sign up for 6-Shot Saturday to get the PDF tables that I have created to help you really analyze your risk. You’ll want to listen to this episode to understand how to ensure that you are taking the right amount of risk for your comfort.

How do you measure your #risk tolerance?. Listen to this episode of #Retirement Answer Man to help prepare your #portfolio for the next market correction.
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Is your risk tolerance tied to the life that you want to live?

Make sure your risk tolerance is actually tied to the life that you want to live in retirement. Sometimes the risks you can tolerate may have no actual connection to the lifestyle that you hope to live in retirement. Take some time to this week to really analyze the risks that your portfolio is set up to take. Are these the risks that you are willing to withstand, and how could these potential risks affect your retirement? You can use the PDF models that I will send out in 6-Shot Saturday to help you analyze your risk tolerance. Be sure to listen to the full episode to find out what else you should be thinking about to prepare for the market correction.

Find your balance

As you begin to move from the accumulation phase to the distribution phase of your investing your risk-taking behaviors may need to be tweaked. Finding the right balance that you are looking for is the first step in preparing for a market correction. The PDF models that I use will really help you get a grasp of your risk tolerance and help you visualize your chances of success with different planning models. These models will help you strike the balance that you are looking for in your investments. Make sure you listen to this episode to hear how mitigating your risk can help you prepare for any market correction and be sure to sign up for 6-Shot Saturday to get the free PDF model to help you make the right choices for your investments.

Find your balance. Listen to this episode of #Retirement Answer Man to help prepare for the next market correction
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:22] A market correction hasn’t happened for eight years, how will you handle the next one?

HOT TOPIC SEGMENT

[4:52] What to do when the market correction will happen
[9:20] Let’s learn about risk tolerance

PRACTICAL PLANNING SEGMENT

[18:47] I answer questions on health insurance costs
[21:50] What are some book recommendations for retired people

THE HAPPY LAB SEGMENT

[26:11] On self talk becoming your reality

TODAY’S SMART SPRINT SEGMENT

[28:21] Understand how much investment risk you are taking and analyze whether that is the risk you are willing to take

Resources Mentioned In This Episode

BOOK- Essentialism by Greg McKeown

BOOK- The Slight Edge by Jeff Olsen

BOOK – Investing for a Lifetime by Dr. Richard Marston

BOOK – Rock Retirement by Roger Whitney

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

TWEETS YOU CAN USE TO SPREAD THE WORD

What are the most important things to do to help prepare your #portfolio for any eventuality?. Listen to this episode of Retirement Answer Man to help prepare for the next market correction.
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Is your #RiskTolerance tied to the life that you want to live?. Listen to this episode of #Retirement Answer Man to help prepare for the next market correction.
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The post #200 – Market Correction Fire Drill – Step 1 appeared first on Roger Whitney.

#199 – Market Correction Fire Drill Starts Here

Tue, 05 Dec 2017 20:14:41 +0000

What can we control in life? How can we identify factors beyond our control? The trouble with retirement planning is that so much of it relies on factors beyond our control. Join me today as I discuss the impending force of a market correction and answer some listener questions from our Retirement Plan Live Webinar. We must learn to accept that there are things beyond our control. Once we do that and we learn to only worry about the things that are within our power to change we begin to feel much freer. So listen in to today’s episode to find out how to identify forces that are within your control to free yourself of inner turmoil about your retirement.

The #MarketCorrection fire drill starts here! On this episode of #RetirementAnswerMan you’ll discover how to prepare for the impending market correction
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Market corrections may not be all that scary

Vanguard published a report recently stating that there is a 70% chance that there will be a stock market correction. I’m here to tell you that that’s not true, there is a 100% chance of that happening! Unfortunately, no one can accurately predict when this will happen. There is so much concern that head of Goldman Sachs feels unnerved by things going on in the stock market. Listen in to hear what his 8 reservations are. As scary as market corrections are, they can be healthy, similar to a forest fire. They help to burn off the excess, weaker growth in the markets. Find out what I mean by this by listening to this episode of Retirement Answer Man.

What can we control?

We know a correction is going to happen but not when or how extensive it will be. So, knowing all this, what do we do with this information? We can’t control or predict when a market correction will happen, but we can control how we allocate our assets to work towards a life that we want. Right now is the best time to discover how to control your balance sheet and make sure that your financial plan is fully in order. Listen in as I discuss how to financially weather a market correction and what you should be doing to prepare yourself for the inevitable market correction.

What forces can we control in our #retirement? Find out on this episode of #RetirementAnswerMan
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How do taxes affect your retirement plan?

Are you curious as to how to apply what you learned in the Retirement Plan Live Webinar to your own retirement plan? You guys chimed in with some incredible questions about our Retirement Plan Live webinar. On this episode, I address some listeners’ questions and make things clearer on how we can take Lori and Bruce’s situation and apply it to you. Listen in as I answer some fantastic listener questions about taxes and retirement. We discuss state income tax and when to contribute to a Roth IRA. Listen to the Q&A portion of the show to find out to what extent the planning tool takes taxes into account and how moving states can affect your retirement plans.

What you can do to raise your confidence level in your retirement plan

Are you concerned about confidence levels in your own retirement plan? One listener is. Listen to this show as I address this question. You may feel concerned that your money could run out. But what can you do to up your confidence level in your retirement plan? Think of the all the levers you could pull; work longer, spend less in retirement, save more, take more risk. What could you do to become more confident in your retirement? I get down to the heart of this question so listen in to hear my thoughts on this matter and discover why is an 80% confidence level ok when talking about retirement. We must make smart, balanced choices to live a great life today but be confident about tomorrow.

What you can do to raise your confidence level in your #RetirementPlan? Find out on this #RetirementAnswerMan
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:22] Today I discuss market corrections and answer some questions from listeners

HOT TOPIC SEGMENT

[3:36] Vanguard says there is a 70% chance for a stock market correction
[4:42] The 8 worries that the head of Goldman Sachs has for the stock market
[8:42] What can we control in the market?

PRACTICAL PLANNING SEGMENT

[12:52] Listeners comments and questions about Lori and Bruce
[13:52] Listener questions about taxes
[20:10] Confidence scores in retirement

THE HAPPY LAB SEGMENT

[27:56] On Christmas decorating and allowing yourself to fully celebrate events

TODAY’S SMART SPRINT SEGMENT

[30:02] Make a list of events to celebrate at a higher level than in the past

Resources Mentioned In This Episode

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

TWEETS YOU CAN USE TO SPREAD THE WORD

#MarketCorrections may not be all that scary, listen to this episode of #RetirementAnswerMan to hear why.
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How do taxes affect your #Retirement plan? Find out some valuable information about taxes and retirement planning on this episode of #RetirementAnswerMan
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#198 – What a 34 Year-Old Can Teach You About Retirement

Wed, 29 Nov 2017 11:00:25 +0000

This may surprise you, but there are youngins out there that we can learn from! My guest today is only 34 years old, but he knows quite a bit about retirement. Deacon Hayes is the author of a new book called You Can Retire Early and he has a fantastic website full of resources that can help you start planning your early retirement. Don’t let his age fool you, Deacon is full of great retirement advice. Listen to today’s show to hear about some innovative ways to prepare for your retirement.

What a 34 year old can teach you about retirement, join me on this #RetirementAnswerMan with @deaconhayes
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Find your why

It’s not just me! I’ve been telling you guys all along that you need to find your why. Deacon Hayes agrees that finding your why is so important. Deacon advocates early retirement, but having a reason to get out of bed and have a goal is important to everyone. Whether you’re 35 or 65 you need to focus on your why to help you stick to your financial goals. Without your why behind you, it’s easy to lose focus and get off course. Listen to this conversation to hear Deacon’s point of view on finding your why.

Retire towards something, not away from something

Do you have antiquated ideas about retirement? Just like workplaces, retirement is evolving. These days retirement doesn’t mean that you stop working and sit on your couch watching the news for the rest of your life. Like me, Deacon feels that retirement is an opportunity to live your life with purpose. He says that you should retire towards something, not away from something. Deacon shares with me a wealth of excellent information on today’s show about how retirement is changing and the traditional way of spending our golden years may be a thing of the past. I think you’re going to like what he has to say, so listen in to hear more!

Join me on this #RetirementAnswerMan with @deaconhayes who says, retire towards something, not away from something!
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Do you really need millions of dollars in the bank to retire?

So now that we know that you won’t be spending your retirement the same way that your parents and grandparents did, how will you fund this new form of retirement? Maybe you don’t need to have millions of dollars saved up in your 401k. I love talking to Deacon since he really thinks outside the box. Listen to this discussion to hear about some innovative ways of making money in your twilight years.

How to deal with life outside the paycheck

Since Deacon advocates early retirement and finding different ways of making money, how does he deal with the instability of not having a steady paycheck? It’s tricky when you are living life outside of the box, but by diversifying your income streams you can find a bit more stability when hard times hit one sector. Listen to our discussion to find out how to handle your finances without a biweekly paycheck. Deacon has some great strategies that you can use to transition into a life without a steady paycheck.

Listen in on this #RetirementAnswerMan with @deaconhayes and learn how to deal with life outside the paycheck
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:22] Welcome Deacon Hayes

HOT TOPIC SEGMENT

[2:44] The webinar replay is available, email me your questions and comments

PRACTICAL PLANNING SEGMENT

[4:03] Let’s meet Deacon Hayes
[4:32] How does Deacon define retirement
[11:32] Build a nest egg but also build skill set
[12:01] What will Deacon’s retirement look like?
[13:29] How do you deal when you don’t have a consistent income
[17:12] Understanding the choices that we make that impact your long-term financial goals

THE HAPPY LAB SEGMENT

[22:58] Turn things off and be with the people you love

TODAY’S SMART SPRINT SEGMENT

[23:54] Sit down and write 5 things that you are going to stop doing in 2018

Resources Mentioned In This Episode

Deacon’s website – WellKeptWallet.com

BOOK – You Can Retire Early! By Deacon Hayes

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

The new online CSS cleaner website allows you to organize style for websites.

TWEETS YOU CAN USE TO SPREAD THE WORD

Join me on this #RetirementAnswerMan with @deaconhayes and find your why for your retirement planning
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Do you really need millions of dollars in the bank to retire? Listen to this discussion on #RetirementAnswerMan with @deaconhayes
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#197 – How to Take Your Retirement Travel to the Next Level

Wed, 22 Nov 2017 11:00:02 +0000

Many people love to travel, as a matter of fact, it is at the top of just about everyone’s list of things to do when they retire. Usually, when we think of travel we think of stays in 4 or 5-star resorts and all-inclusive hotels. But what if you could find a deeper meaning to travel? Chris Niemeyer joins me today as we discuss meaningful travel. On this show, Chris and I discuss how you can create more meaningful experiences through travel. When you travel with focus and meaning you can incorporate my favorite acronym — FOR, family, occupation, and recreation all in one fantastic experience. If you are looking for some insider secrets on how to incorporate meaningful travel into your retirement then listen in to this show to get the scoop.

Listen to this #RetirementAnswerMan episode to learn how to take your #RetirementTravel to the next level
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What is voluntourism?

Is it possible to have a mission trip and a vacation all in one? Is voluntourism only for Christian missionaries? The answers to these questions and more are on this show! My guest, Chris Niemeyer, specializes in voluntourism. Chris is the founder of Mission Travel, a website that helps people find real travel volunteer opportunities all over the world. Would you like to find out how to incorporate helping others into your next trip? Listen to this conversation to find out some excellent insider tricks to plan how to volunteer to help others on your next vacation.

How to plan a multigenerational trip

Have you ever thought about traveling with your family? Enjoying travel with grandkids creates an incredible common bond with them that no Christmas toy ever will. Would you like your family to discover and learn about different cultures all while helping others? My guest, Chris Niemeyer, founder of Mission Travel, helps people do just that. As a matter of fact, he has taken his four young children all over the world to learn about and experience different cultures all while assisting those in need. Find out some fantastic ways to plan your next multigenerational travel experience by listening to my interview with Chris.

Find out how to plan a #multigenerational #trip on this episode of #RetirementAnswerMan
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Live like the locals

Have you ever wondered what it would be like to live like the locals whenever you travel abroad? Travel expert, Chris Niemeyer, gives me some excellent ideas on how to travel and learn more about local cultures by actually living like them. Chris teaches us how we can expand our comfort zones to go deeper and have a richer travel experience. Chris describes how connections with locals have been the best part of his travels. Listen in to our conversation to understand how traveling like a local can provide you a more authentic experience

How can you save money when you travel

Are you looking for some money saving ideas for your next vacation? Travel expert, Chris Niemeyer, gives me some insider tips on how to do just that! Listen to the show to find out how traveling during ‘shoulder’ seasons can save you money and give you a richer experience on your next vacation. Find out which websites and apps are helpful to saving money by listening to my chat with Chris.

Get tips on how you can save #money when you #travel by listening to this episode of #RetirementAnswerMan
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[0:58] Register for the free webinar on Monday to hear how I walk through Lori and Bruce’s retirement plan

HOT TOPIC SEGMENT

[4:08] What do you want in your pretirement and retirement years
[5:02] FOR – what does this stand for

PRACTICAL PLANNING SEGMENT

[7:12] How can we combine family occupation and recreation through travel to create meaningful experience
[13:48] How can you travel more like a local
[17:58] Experience of missions
[20:52] How can you find purposeful travel
[22:53] Multigenerational travel
[26:02] Chris’s mission podcast

THE HAPPY LAB SEGMENT

[27:03] Living up to our values

TODAY’S SMART SPRINT SEGMENT

[28:54] Play a game with someone

Resources Mentioned In This Episode

Mission Travel Podcast

Mission Travel Website

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

TWEETS YOU CAN USE TO SPREAD THE WORD

What is #voluntourism? Find out the answer on this episode of #RetirementAnswerMan
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Have you ever wanted to live like the locals when you #travel? Get tips on how on this episode of #RetirementAnswerMan
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The post #197 – How to Take Your Retirement Travel to the Next Level appeared first on Roger Whitney.

#196 – How to Manage Retirement Risks

Wed, 15 Nov 2017 11:00:21 +0000

This is my third episode of the Retirement Plan Live case study. Over the past few weeks, we have gotten to know Lori as she has shared many details of her finances, lifestyle, and how she and Bruce have begun to prepare for retirement. Today we continue our journey by delving deeper into their finances and learning how they have prepared for the unexpected. Listen to hear how Lori and Bruce have prepared for some major retirement risks and to see if you have considered these risks when planning your own retirement.

Learn how to manage #retirement risks by listening to this episode of #RetirementAnswerMan
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How much money does the average American retiree live on? The answer may surprise you!

Some of you have emailed me with concerns that Lori and Bruce may not be the best examples to use as my case study. Many feel that this couple doesn’t best represent the average American retirees. On this episode I address these concerns, we discuss how much money the average American retiree lives on, and we discuss how to manage retirement risks. You’ll want to listen to this episode since you may be surprised by some of the answers. You also need to listen to find out how to register for the live webinar where I break down the details of Lori and Bruce’s retirement so that you can learn how to do this to plan your own retirement.

Have you planned for the financial surprises that can pop up in retirement?

What lessons can we learn from Lori and Bruce? I realize that they may not represent what Your financial situation looks like. But regardless, we Can learn something from them. You can use their situation to consider your needs vs wants. Everyone’s financial profile is unique, and each situation is different, so use this information to help you decide what is best for you. Listen in to hear how Lori handles the little extra financial surprises as well as how they plan for the big surprises. Do you plan for the car breaking down? How about major illness? Listen in to hear about these and other retirement risks that are important for everyone to consider.

Have you planned for all the #financial surprises that can pop up in #retirement? Listen to this episode of #RetirementAnswerMan to find out how to best prepare for all the #RetirementRisks.
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How well do you track your spending?

It is important to track your spending well. You must really pin down your spending numbers to accurately plan your retirement. Since Lori and Bruce have such a low overhead I drill Lori on the details, how they track their budget, how they have their money invested, and whether or not they still have life insurance. Listen in to find out all the small details you need to be keeping track of when planning your retirement budget.

What are the three biggest risks to your retirement?

Do you need to continue a life insurance policy after the rates go up? Have you thought about this? I ask Lori about their insurance policy and if they are financially prepared for long-term specialized care. These are important things to consider when planning retirement. Listen in to today’s podcast so you can discover the three major risks to your retirement and how to prepare for them.

What are the three biggest risks to your #retirement? Find out on this episode of #RetirementAnswerMan
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:22] I read a few emails I have received about whether Lori and Bruce are good examples of the average American retirees

HOT TOPIC SEGMENT

[5:32] What is the average retirement cost for the average American couple
[9:32] Needs vs. wants when it comes to retirement
[11:52] Make sure you register for the webinar

PRACTICAL PLANNING SEGMENT

[13:39] I ask Lori about the details of how they live on 24k a year
[19:53] We discuss inflation and how that may impact their retirement plans
[20:45] How Lori invests her money
[24:35] We discuss the major risks to Lori and Bruce‘s retirement

THE HAPPY LAB SEGMENT

[34:02] On being grateful

TODAY’S SMART SPRINT SEGMENT

[35:10] Write a sentence describing these 3 risks to retirement

Resources Mentioned In This Episode

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

Try the online Rubik’s Cube simulator! Set up a random scramble then try to figure out the solution!

TWEETS YOU CAN USE TO SPREAD THE WORD

How much money does the average American #retiree live on? Listen to this episode of #RetirementAnswerMan to find out. The answer may surprise you!
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How well do you track your spending? Listen in to this discussion on #RetirementAnswerMan to learn how to accurately track your spending.
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#195 – Organizing Your Financial Resources for Retirement

Wed, 08 Nov 2017 11:00:45 +0000

No matter how much money you may have, worrying about money is part of human nature. We all worry that we may not have enough no matter what our tax bracket is. Even though that is the case, I still say money does not come first when planning retirement. When planning out your financial resources to prepare for retirement, first think about the life you want, then think about the money. This is the second episode in a four-part series where I use Lori and Bruce as a case study to help you to discover how to plan your own retirement. You will want to make sure that you listen in to the full series to understand how to plan your retirement.

Organizing your financial resources for #retirement #RetirementAnswerMan
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Do you have a net worth statement?

On this episode, I discuss what a net worth statement is and why you need one. Make sure you listen so that you can find out how to prepare one for yourself. This tool is indispensable when tracking your financial resources. You definitely want to make sure that you have one of these prepared when you begin thinking about retirement. A net worth statement is a financial dashboard that lists all your assets and debts so that you can understand your worth and work towards planning a great retirement. Are you curious as to what a net worth statement is and how to build one? Listen in today to find out how to use this invaluable tool to help you plan your retirement.

What is the next step of Your financial plan for retirement?

On this episode, I continue my discussion with Lori and we move on to the next step of her and Bruce’s plan for retirement. Last week we discussed what their ideal retirement lifestyle would look like and in doing so we talked about Family, Occupation, and Recreation. This is the FOR part of my acronym FORM. Today is we get to the M part — Money. Lori discloses her financial resources so that we can get a better feel for how well they are prepared for their impending retirement.

What is the next step of Your #FinancialPlan for #Retirement? #RetirementAnswerMan
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How are you preparing your life for retirement?

Find out how Lori and Bruce downsized their life in preparation for retirement. They used to have the large house and dual incomes and decided that they needed to start preparing for retirement by downsizing their house. Lori gives us the nitty-gritty about their financial resources so that we can discuss their financial plans for retirement. Lori also tells us how she got started as a virtual assistant and how this has been like a pre-tirement phase in her life. If you’ve been thinking of having a transition period between full-time employment and retirement, you will want to listen to this episode as we discuss Lori and Bruce’s preparations for full retirement.

Have you thought about at what age you would like to retire?

Will you wait until age 65, or retire a bit early? Do you need to wait a bit longer? These questions cannot be answered entirely until you have a full grasp of your financial resources. The first step in understanding your financial resources is to have a net worth statement. Make sure you listen in to this show to hear the case study of Lori and Bruce and to learn what a net worth statement is and how and why you need to prepare one.

Have you thought about at what age you would like to #retire? #RetirementAnswerMan
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:02] Money doesn’t come first

HOT TOPIC SEGMENT

[2:57] Nobody feels like they have enough money
[3:57] FORM- Family, Occupation, Recreation, and lastly, Money
[5:32] What is a net worth statement
[7:02] The difference between a use asset and a productive asset
[8:56] Six Shot Saturday is where you can find the tools to help you build a net worth statement

PRACTICAL PLANNING SEGMENT

[9:39] Lori explains how they downsized their life to prepare for retirement
[13:56] We discuss the possibility of full retirement at the age of 66 for both of them
[19:15] We discuss their assets
[21:52] Lori discusses how she got started as a virtual assistant

THE HAPPY LAB SEGMENT

[29:03] Find a way to reach out to someone that may need some help, however little

TODAY’S SMART SPRINT SEGMENT

[31:50] Create a net worth statement

Resources Mentioned In This Episode

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

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TWEETS YOU CAN USE TO SPREAD THE WORD

Do you have a #NetWorth statement? #RetirementAnswerMan
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How are you preparing your life for #retirement? #RetirementAnswerMan
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#194 – Dream Up Your Ideal Retirement

Wed, 01 Nov 2017 10:00:14 +0000

On today’s show, I interview Lori and we begin to plan her ideal retirement. There is no one size fits all retirement plan out there. Everyone’s ideal retirement will look different since we all have different priorities and financial goals. Listen in on this show to find some excellent resources to plan your own retirement. You’d be surprised to hear where the challenges are in planning this important stage of your life. Planning is the first step in ensuring that you are not left in the dark for what may be a thirty to forty year period. Listen in for important tips today as I walk Lori through the first steps that I take with my clients as we begin the retirement planning process.

Dream up your ideal #retirement #RetirementAnswerMan
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What are the barriers to retirement

There are many out there who claim that retirement is dead. This doesn’t have to be true. It’s important to have a plan in place so that you can enjoy this time of your life without the worry that you’re overspending. Planning for retirement can be a daunting process. There are a few challenges that we face when retirement planning that you need to pay attention to. Listen in to today’s show to learn what the obstacles to planning a sound retirement are and how to address them. You don’t want to get stuck on the last barrier when planning your retirement!

It’s OK to dream big when planning your retirement!

When planning your retirement it’s important to think of your needs, your wants, and then your wishes. Dreaming and wishing for things to do in your retirement is OK! But first, you must plan what you need. What are your basics for everyday living? After you get that down then you can start thinking bigger. Listen in on today’s story to hear how we can plan your retirement step by step. You’ll learn what the acronym F.O.R. is for and how thinking about it can help you with your planning process.

It’s OK to #DreamBig when planning your #retirement! #RetirementAnswerMan
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How will you spend your retirement?

We met Lori on last week’s episode, and this week we delve into her needs and wants to try and learn how best to prepare her and Bruce for the next thirty years. One of the problems they had when planning their ideal retirement was thinking big. They have lived frugally for so long that dreaming big didn’t come naturally to them. How about you? Do you have trouble thinking of big ways to spend your retirement? Listen in today to find out how I helped Lori think big when planning her golden years.

Are healthcare fears preventing you from retiring early?

Have you thought about healthcare if you plan on retiring before the age of 65? Is this stopping you from retiring early? Retiring before 65 can happen, but healthcare is a big priority when planning your retirement. Find out the creative way that Lori and Gene have discovered to cover their health insurance needs by listening to today’s episode. If you are at all considering retiring before the age of 65 you will really want to listen to Lori’s solution to this important issue.

Are #healthcare fears preventing you from #RetiringEarly? #RetirementAnswerMan
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[1:22] The benefits of enrolling in 6 Shot Saturday

HOT TOPIC SEGMENT

[4:20] Barriers to retirement
[11:38] How do we get over those barriers

PRACTICAL PLANNING SEGMENT

[18:14] Lori’s ideal perspective of retirement
[21:54] What Lori and Bruce’s basics needs
[26:56] Insurance needs
[31:52] Their wants and wishes

THE HAPPY LAB SEGMENT

[39:46] Define and envision your future

TODAY’S SMART SPRINT SEGMENT

[40:29] Define your needs, wants, and wishes for retirement in the worksheets from 6 Shot Saturday

Resources Mentioned In This Episode

Roger’s Kindle Book Rock Retirement

Ask Roger a question

Work with Roger

3-video Series: 5 Minute Retirement Makeover

Roger’s Retirement Learning Center

The Retirement Answer Man Facebook Page

TWEETS YOU CAN USE TO SPREAD THE WORD

What are the barriers to #retirement? #RetirementAnswerMan
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How will you spend your #retirement? #RetirementAnswerMan
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#193 – How to Avoid This HUGE Threat to Your Retirement

Wed, 25 Oct 2017 10:00:28 +0000

Planning for the future has many challenges and you may not know what could be a threat to your retirement. There’s something you may not have thought about when planning your retirement. Over the next four weeks, we’ll be learning about Lori and Bruce in my Retirement Plan Live case study. By studying them you will gain great insight into how to prepare for your own retirement. Listen today as I introduce Lori and we discuss marriage and how a healthy marriage can lead to a healthy retirement.

How to Avoid This HUGE Threat to Your #retirement #RetirementAnswerMan @TedLowe
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Investing in your marriage is an investment in your retirement.

You may not think about this as a threat to your retirement, but divorce, especially when you are close to retirement age, can have a huge impact on how you retire. You’d be surprised by how many people get divorced in their fifties and sixties. Why would this be a threat to your retirement? What are some great tips for a healthy marriage? Listen in on this episode of Retirement Answer Man to find out how a healthy marriage can help ensure a financially healthy retirement.

Have you ever thought of investing in your marriage?

What are the 3 phases of life in which people think about divorce? I’m no expert, but I have noticed that there are three seasons in life where couples begin to contemplate divorce. I have Ted Lowe, a Real marriage expert, and author of Your Best Us, here with me to see if we can come up with some everyday ideas that you can use to invest in your marriage. Many people have thought about divorce at times, even in a healthy marriage. However, they may not think about how divorce affects their finances and how that could affect their retirement. Listen in on my discussion with Ted Lowe as we talk about how to invest in a strong marriage.

Have you ever thought of #investing in your #marriage? #RetirementAnswerMan @TedLowe
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Is fun an important part of marriage?

What marriage tips and strategies can you learn from Ted Lowe? Ted gives us some wonderful advice on how to maintain a great relationship each day so that you don’t have those big blow-ups that can lead to divorce. Does your wife want to be heard or helped? This can be a challenging question, and knowing when she wants help is important. Do you think fun an important part of marriage? Listen to what Ted Lowe has to say about these questions and other fantastic tips on marriage on this episode of Retirement Answer Man.

Words don’t lead to connections, connections lead to words.

We all think about ourselves, that’s natural, but should we bring the “Me” mindset into marriage? Connection is a huge part of marriage and Ted gives us some great advice for learning how to connect with our spouse during the different seasons of marriage. Listen now to hear how you can make real connections with your spouse. A stronger marriage can lead to a stronger place in retirement. I gained so much insight in my chat with Ted Lowe, I can’t wait to implement his suggestions in my own marriage!

Words don’t lead to connections, #connections lead to words #RetirementAnswerMan @TedLowe
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

{00:05] Investing in your marriage
[00:30] Reasons for NOT getting a divorce in your 50’s and 60’s

HOT TOPIC SEGMENT

[3:15] All about Retirement Plan Live case study to learn how to help yourself
[5:43] Let’s meet Lori
[7:32] We discuss longevity and life quality
[9:20] What Lori and Bruce will be excited about in retirement

PRACTICAL PLANNING SEGMENT

[13:32] Let’s discuss marriage and divorce
[17:00] Meet my guest, Ted Lowe, author of Your Best Us
[23:10] How can we diffuse difficult situations in marriage
[27:30] How can we manage our marriage through the stages of life
[32:30] Where will our connections lead us

THE HAPPY LAB SEGMENT

[40:51] What can we do to make each other happy

TODAY’S SMART SPRINT SEGMENT

[41:53] Sign up for Six Shot Saturday and start thinking about your retirement

RESOURCES MENTIONED IN THIS EPISODE

Ted Lowe

Your Best Us: Marriage is Easier Than You Think by Ted Lowe

The Slight Edge by Jeff Olson

Ask a question

Work with Roger

3-Video Series: 5 Minute Retirement Makeover

Roger’s retirement learning center

The Retirement Answer Man Facebook page

TWEETS YOU CAN USE TO SPREAD THE WORD

Investing in your #marriage is an #investment in your #retirement #RetirementAnswerMan @TedLowe
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Is fun an important part of #marriage? #RetirementAnswerMan @TedLowe
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#192 – Should You Worry About a Market Crash?

Wed, 18 Oct 2017 10:00:10 +0000

My grandmother lived through the great depression. She was 10 years old when it started and remembers the struggle. What she went through during those years has shaped her decision-making process. She is very frugal. I can remember her saving small bits of wrapping paper when I would have thrown them out. For many of us, we have been affected similarly by the Great Recession and make decisions based on that experience. Many of you might be asking the question, “Is another crash just around the corner?” Tune in to this episode of the Retirement Answer Man to find out.

Should You Worry About a #MarketCrash?
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Focus on what you can control, not on what you can’t.

The ever-present question looms in the back of our minds, “Will the markets crash again?” No one knows the answer to this question. Many financial forecasters are very vocal about their opinions warning about the impending crash. Some people are making extreme future decisions based on those forecasts. How smart is that? Should we rest our future on such forecasts? Maybe the best plan is to worry about what we can control, not stress about the things we can’t.

Insurance premiums are rising, what should I do?

As the market changes many people are falling victim to the ever-rising premiums of Long Term Care policies. On this weeks show a listener writes in with this very concern and wants to know what options they have. They could always drop the plan. But then they would have to self-insure. They could lower their coverage to keep their lower premium which might leave them without needed coverage. Or they could suck it up and pay the higher premiums. It’s a tough decision. Listen in to this episode to hear my thoughts.

#Insurance #premiums are rising, what should I do?
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My House is Leaking!

Nichole walked into her home the other day to find water soaking her closet. Her AC system had sprung a leak and soaked a hole through her ceiling. Her in-laws came to visit and help fix the damage. Family in the house can be uncomfortable at times but they can often line a huge helping hand. It’s often good to live near family to have a support network. If you live with or near family and often find it challenging, take time this week to look for the good in the situation.

Could the data breach cost me my house?

With this Equifax data breach, our imaginations can run wild with possibilities our information could be used maliciously. It’s possible someone could steal your identity and take out a loan on your home causing you to possibly lose it. There is a service being advertised that monitors the title of your house for any fraudulent filings and notifies you. While this might seem like an easy hands-off way of staying proactive, it could be just as easy to check on your title yourself. Make sure to catch this episode to hear more.

Could the #databreach cost me my house?
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[0:29] My grandmother lived through the Great Depression

[1:37] Nowadays many of us have lived through the Great Recession and it has laid the foundation for our decision making.

[2:00] Is another recession just around the corner?

HOT TOPIC SEGMENT

[4:17] We are in the 2nd longest Bull market in S&P 500 history.

[6:30] Are you asking the question, “Is another crash on the horizon?”

[8:54] Making extreme decisions on forecasts is not the wisest move.

[10:38] What do we do?

[10:50] Focus on what you can control not on what you can’t.

[14:00} What investment actions can we take?

PRACTICAL PLANNING SEGMENT

[17:11] Listener questions with Nichole.

[17:15] Our new voice coach.

[20:11] I am self-employed. Should I set up a company 401k plan?

[27:20] The premiums on my long-term care plan are going up. Should I continue to pay the premiums or should I lower my coverage?

[33:18] Is Title Lock Insurance worth the investment?

THE HAPPY LAB SEGMENT

[37:22] Nichole’s house is leaking!

[37:30] It’s great to live around family and have them as a support network.

TODAY’S SMART SPRINT SEGMENT

[39:16] Take the time this week to check your title and see in anything has been filed against it.

[40:00] The subject for Retirement Answer Man Live has been chosen. Sign up for Six Shot Saturday to receive all the details.

RESOURCES MENTIONED IN THIS EPISODE

Ask a question

Work with Roger

3-Video Series: 5 Minute Retirement Makeover

Roger’s retirement learning center

The Retirement Answer Man Facebook page

TWEETS YOU CAN USE TO SPREAD THE WORD

#Focus on what you can #control, not on what you can’t
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My House is #Leaking!
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#191 – What Your Financial Advisor Should Be Doing

Wed, 11 Oct 2017 10:06:19 +0000

I’ve been married to my wife for 27 years. That’s a long time! I have noticed that there has been a rhythm within our relationship over the years where, as we have become more comfortable with each other, we begin to become disengaged. Not disengaged in a spiteful way but simply not as focused as a team. This happens in any relationship whether it be a parent and a child, the relationship between spouses, or even between you and your advisor. Listen to this episode of Retirement Answer Man to hear my tips for staying on track in your relationships and keeping your advisor on the same page.

What Your #FinancialAdvisor Should Be Doing #retirementanswerman
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An advisor in Colorado Springs has allegedly stolen millions from clients.

This financial advisor seemed like a great person. There was no past history of dishonesty or crime and no red flags seemed to pop up. It seems very easy to be fooled into a bad relationship like this one. Are there ways you can stay on top on the relationship and catch the red flags if they arise? There certainly are and I will outline 4 steps you can take in your relationship with your financial advisor to keep the relationship healthy.

Pursuing purpose in retirement

On this episode of Retirement Answer Man, I’ll interview a friend of mine, Jeff McManus, who is turning his passion into an income stream he can benefit from during retirement. Jeff is the director of Landscape services to the University of Mississippi. He has a wealth of horticultural knowledge and has found joy in applying it to his career. Now, as he is nearing retirement and thinking of the future he is applying that knowledge in unique ways to grow opportunities for himself in retirement. Listen to this episode to hear his story.

Start Pursuing #purpose in #retirement Now #retirementanswerman
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Don’t wait for Retirement to pursue your joy, start now!

My books are finally here!! I’ve been working on my book for about 4 years and I just got the call that it is ready. Since I contractually have to buy 2500 copies I decided to have them all sent to my house so I could see what that many books looked like. I didn’t rationalize it, I just dove in and ordered them. They arrived on 2 pallets and have taken over a room of my house. It’s been so fun looking over them and signing them for friends and family and even for the delivery lady. Is there something you think will bring you joy? Are you waiting for the perfect moment? Are you waiting for retirement? Don’t! Jump in now and experience the joy, don’t wait until it is too late. Tune in to this episode to hear all about the book delivery.

This time of year is a great time to get on the same page with your financial advisor.

As we near the end of the 4th quarter a great opportunity to refocus is presented. Take the chance to have a quarterly meeting with your advisor and refocus on your goals and make sure you both are on the same page. Trust me, you don’t want to begin the new year without being unified on your savings and the direction of your retirement.

This time of year is a great time to get on the same page with your #financialadvisor #retirementanswerman
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OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

[0:33] It’s easy to become disengaged after many years of marriage.
[1:00] Constant vigilance is needed to keep a good relationship of any kind.
[1:40] The same goes for your relationship with your advisor.

HOT TOPIC SEGMENT

[3:25] An advisor in Colorado Springs has allegedly stolen missions from clients.
[4:00] The longer a relationship continues the more likely you are to become disengaged and draw apart.
[6:00] If you have quality meetings with your advisor you will have a better idea of what is happening with your money.
[6:30] Keep it formal.
[7:00] Have an agenda.
[7:50] Have an agreed upon plan.
[9:30] Make sure your goals are mutually agreed upon and addressed in order of importance.

PRACTICAL PLANNING SEGMENT

[12:05] One baby boomer is making a change and living his dream!
[14:50] We all want some measure of control and freedom in our life.
[17:00] Cultivate a culture of teamwork and collaboration and grow a mutual passion.
[19:27] Setting up a passion and source of income you can devote yourself to during retirement.
[23:19] A vision for retirement.
[25:19] Get your foot in the door of your passion.

THE HAPPY LAB SEGMENT

[28:15] My book is finally here!!
[29:11] Hear about the delivery ladies response in Six Shot Saturday
[29:30] What can you do that may not be practical but will bring you joy.

TODAY’S SMART SPRINT SEGMENT

[29:54] It’s nearing the end of the 4th Quarter. Make sure you have a 4th Quarter meeting to stay on track.

RESOURCES MENTIONED IN THIS EPISODE

Ask a question

Work with Roger

3-Video Series: 5 Minute Retirement Makeover

Roger’s retirement learning center

The Retirement Answer Man Facebook page

Get Jeff’s book here on Amazon

TWEETS YOU CAN USE TO SPREAD THE WORD

An #advisor in Colorado Springs has allegedly #stolen #millions from clients #retirementanswerman
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Don’t wait for #Retirement to pursue your #joy, start now! #retirementanswerman
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#190 – How much you should have saved for retirement by now

Wed, 04 Oct 2017 10:00:17 +0000

Several years ago I participated in an Ironman Triathlon. I didn’t win, not even close. I finished in the 77th percentile. Turns out, the winner could have started 6 ¼ hours after me and still beat me. So was this experience a failure? It depends on how you look at it. I enjoyed the experience, […]

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#189 – How Indexes and Bear Markets Can Make a Bad Mix

Wed, 27 Sep 2017 10:00:53 +0000

Indexes are comprised of many companies. Yet only the top few companies drive the index. What happens if we hit a rocky patch in the markets and those companies falter? On this episode of the Retirement Answer Man, I dive into the pros and Cons of investing passively v.s actively and what might happen if […]

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#188 – Worried about the Equifax Data Breach? Here’s Your Protect Your Credit Action Plan

Wed, 20 Sep 2017 10:00:24 +0000

Have you ever had your identity stolen? I have. It’s not fun. It can leave you feeling helpless and frustrated as you try to prove who you are and undo the false financial claims against you. In this modern era data is everything. Your life is wrapped up in one 9 digit code, your Social […]

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#187 – Should My Advisor Have Access to My 401(k)? And Other Listener Questions

Wed, 13 Sep 2017 10:00:31 +0000

My listeners have been asking great retirement questions, and this podcast episode is focused on giving answers to some of those. I’m excited today to bring on my awesome sidekick, Nichole, to play the part of the listener and ask the questions. One really important question is whether your financial advisor should have access to […]

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#186 – Retirement Travel – One Way to Fund Your Dreams

Wed, 06 Sep 2017 15:19:58 +0000

Do you have dreams for traveling in retirement? Everyone’s dreams are different, but every dream is going to cost some money. On today’s episode of The Retirement Answer Man, my friend Jamie joins me to talk about one creative way to fund your travel dreams. Discover how you can use your home to produce income when you’re […]

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#185 – Don’t Be Like Wimpy! How Spending Can Ruin Your Retirement

Wed, 30 Aug 2017 10:00:10 +0000

In the news today, credit card debt has reached over 1 Trillion dollars. In addition, we have 1.2 Trillion dollars in auto debt, 13% above the previous record. Impulse shopping is easier than ever, and this can be bad news for your retirement! On this episode of The Retirement Answer Man Podcast, I talk about […]

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#184 – Passive Investing: What You Should Understand

Wed, 23 Aug 2017 10:00:20 +0000

Passive investment management has taken over the world. Nine of the top ten mutual funds are based on passive investing. On this episode, I explain what passive investing is and how it works, the top two indices that most funds are based on, and the advantages and disadvantages of investing based on those indices. I […]

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#183 – How Pre-tirement Could Save Your Retirement

Wed, 16 Aug 2017 10:00:23 +0000

Pre-tirement is that phase between full-time work and what we think of as traditional retirement, and it could be the key to you having a great retirement. Traditional retirement planning that focuses only on investing just doesn’t work. It doesn’t inspire much confidence or clarity about what your future could be. On this episode, I […]

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#182 – Want a Great Retirement?

Wed, 09 Aug 2017 10:00:43 +0000

If you want a great retirement, you don’t need better answers, you need better questions. Pretty much everyone in financial advice and the media want us to stay with tactical questions like “How should I allocate my investment account?” “Are interest rates going to go up soon?” and “Am I saving enough?” These tactical questions […]

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#181 – Stop Financial Stress Now!

Wed, 02 Aug 2017 10:00:26 +0000

The top financial stress in America, according to a Gallup poll, is not having enough money for retirement. Some people choose to ignore it to avoid the stress, but for others, the worry is a motivator to be proactive and get moving in the right direction. In this podcast interview with Emily Guy Berkin, we will discuss […]

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#180 – Should You Retire Overseas?

Wed, 26 Jul 2017 10:00:47 +0000

Have you ever considered that it might be advantageous to retire overseas? Where your home will be when you retire can dramatically change what the landscape might look like financially. There is a growing trend of Americans retiring outside of the country. Should you be one of them? That’s the topic of today’s episode and […]

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#179 – A Simple Tool to Estimate Retirement Spending

Wed, 19 Jul 2017 10:00:24 +0000

Do you want to have a great retirement? Make sure you value the right things. It is possible to make a million dollars and feel poor, or to make $60K and live a rich and full life. On today’s episode, Jason Parker joins me to talk about how to calculate your retirement spending and make wise choices […]

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#178 – The Science of Index-Based Asset Allocation

Wed, 12 Jul 2017 10:00:39 +0000

There is a lot of weird science out there when it comes to investment management. But if we’re going to be successful in investing for retirement, we need sound science. Last time we talked about asset allocation for the flexible portion of your portfolio. Today we’re going to talk about the science behind the fixed […]

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#177 – The 5 Ps of a Good Investment Philosophy

Wed, 05 Jul 2017 15:33:17 +0000

David Booth once said, ““The important thing about an investment philosophy is that you have one.” But how many people who are actively planning for their retirement actually DO have one? You’d probably be surprised to know that much of the planning side of “retirement planning” is pretty haphazard. Even among investment advisors. But I’ve […]

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#176 – The Role of Asset Allocation in Retirement Planning

Wed, 28 Jun 2017 06:00:11 +0000

“Learn the rules like a pro so you can break them like an artist” (Pablo Picasso). When I was taking a math refresher course for my certification, I had to memorize and practice calculating investment specific formulas. I have never had to use that skill again. But it did serve a purpose in giving me […]

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#175 – Market Forecasting: Who Can You Trust To Tell You What to Expect During Retirement?

Wed, 21 Jun 2017 06:00:31 +0000

What you base your assumptions on when it comes to market forecasting and retirement planning will determine the course of action you take. Forecasting typically comes from respected “experts” who we all look to for advice, but here’s the problem: None of them are 100% accurate. In fact, even with all their knowledge and experience, […]

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#174 – Does the Institutional Approach to Asset Allocation For Retirement Work These Days?

Wed, 14 Jun 2017 06:00:15 +0000

Part of my job as the Retirement Answer Man is to help you face the current issues that impact your retirement planning decisions. Part of that is the non-glamorous task of assessing the traditional approaches to retirement planning to see if they still work. So on this episode, I’m going to take a fairly deep […]

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#173 – Investment Risk Management for Regular People

Wed, 07 Jun 2017 06:00:14 +0000

Get ready for part three of our Retirement Investing series. On this week’s episode of the Retirement Answer Man, we’ll talk about risk management, types of risk to watch out for, and why the common approach to managing risk might not be a good fit for you. This one will be a lot more […]

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#172 – Building A Strong Foundation For Your Retirement Investments

Wed, 31 May 2017 06:06:29 +0000

Hello everyone and welcome once again to the Retirement Answer Man Show, I am your host Roger Whitney and I am the Retirement Answer Man. This show is part 2 in our series on investing. Today we will look at why maintaining a strong investment foundation is so important as you enter retirement and what […]

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#171 – J. David Stein on How Not To Gamble Your Retirement Away

Wed, 24 May 2017 06:00:21 +0000

Welcome back to the Retirement Answer Man show. Today begins a new series on Investing. I am very excited about being able to offer you this series and I hope you will find some value that fits your situation. In this week’s episode, we are chatting with a great guy, David Stein. He has many […]

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#170-Learn From Your Mistakes To Create A Great Retirement

Wed, 17 May 2017 06:00:52 +0000

Welcome back to the Retirement Answer Man Podcast. My name is Roger Whitney and I am the Retirement Answer Man. On this week’s episode, I will be answering several listener questions about dementia, HSA’s, and next level investing. I’ll also outline the road to “brokesville” so that you can steer clear of catastrophe in your […]

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#169 – A Business Exit Strategy That Creates Family Legacy With Randy Long

Wed, 10 May 2017 06:00:34 +0000

I love being an entrepreneur! Not only does it give me an avenue to exercise my creativity it gives me the flexibility to live the life I desire, work the way I want to work, and build a legacy for my family. The value of your business can be put into three categories: Cash flow, […]

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#168 – Using Your HSA To Slay The Health care Dragon

Wed, 03 May 2017 06:00:02 +0000

Hello everyone and welcome! I am Roger Whitney the Retirement Answer Man and today on the show we are talking about the Healthcare Dragon and the threat that it poses to your retirement as well as the lives of your family. It’s no surprise to hear that health care costs are rising, each year this […]

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#167 – Should I Use Social Security Income To Fuel My Retirement Investments?

Wed, 26 Apr 2017 06:41:59 +0000

Welcome to another episode of the Retirement Answer man, as always I am Roger Whitney the retirement answer man. This week’s show is a hodgepodge of great actionable content that might give you the edge you need in your retirement plan. We’ll discuss why alcohol abuse is a problem for many people in retirement and […]

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#166 We’ve got retirement planning all wrong

Wed, 19 Apr 2017 06:00:27 +0000

After my last knee surgery, my doctor told me that I should NEVER AGAIN attempt to run like I have previously. That’s when it hit me, my best days physically are behind me. That was a sobering thought and a bit depressing. Thinking like this has a tendency to affect how we live and can […]

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#165 – Retirement Crisis: Why Work You Love Might Be The Answer

Wed, 12 Apr 2017 06:00:35 +0000

Welcome to another episode of the Retirement Answer Man podcast. I am Roger Whitney the Retirement Answer Man and this weeks’ topic is all about working during retirement. We all can agree that saving and investing are important but they often prove to be challenging. I believe there is another option a more fulfilling one. […]

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#164 – My advisor stole my money! A simple way to avoid investment fraud.

Wed, 05 Apr 2017 06:00:52 +0000

Last week I got a call from a good friend. His sister-in-law believes her financial advisor has been stealing from her. I offered to help them get to the bottom of this and figure out what exactly what has been happening. Investment risk is a very real threat in today’s world. Scam artists are everywhere […]

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#163 Will The Trump Bump Continue?

Wed, 29 Mar 2017 15:26:37 +0000

The election of President Trump was unexpected, and there is no denying that it has affected the markets. But instead of a crash, we are seeing all time highs. Since the election, the market has been accelerating like never before until last week when we saw it slow down. This begs the question, Will the […]

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#162 – The Problem with Retirement Planning and How to Fix It

Wed, 22 Mar 2017 06:00:04 +0000

Welcome back to the Retirement Answer Man Show. I’m Roger Whitney and I’m sad to say it, but Retirement Planning is broken! The mainstream retirement planning method that has worked for years is falling short in our modern world. It is frustrating, disappointing, and fails to give you the leverage you need to create a […]

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#161 – Simple Living In Retirement

Wed, 15 Mar 2017 06:00:49 +0000

We all have heard the term living simply and possibly associate it with a minimalistic lifestyle. Is there a way we can take the concepts of simple living and apply that to our retirement plan without compromising what is important to us? On this episode of the Retirement Answer Man, we will look at the […]

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#160 – Certainty Is Absurd: How To Deal With Uncertainty.

Wed, 08 Mar 2017 06:00:25 +0000

Welcome back to the Retirement Answer Man show. I am Roger Whitney and I’m so excited to have you with me. Today we will be talking about certainty in retirement and how it is, in fact, absurd! The only thing that is certain in life is uncertainty. No matter how hard we try to plan […]

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#159 – Make your net worth work for your retirement not against it!

Wed, 01 Mar 2017 06:00:44 +0000

Hey, there, and welcome back to the Retirement Answer Man show. I’m Roger Whitney and I am THE Retirement Answer Man. This week’s show is all about Net Worth. Today I answer several listener questions regarding net worth statements. I also offer a caution about the dangers of comparisons in your retirement planning and how […]

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#158 – How Binary Thinking Can Ruin Your Retirement Goals

Wed, 22 Feb 2017 06:00:37 +0000

Hey, hey – it’s great to have you along for another episode of The Retirement Answer Man. I’m Roger Whitney and I am THE Retirement Answer Man. This episode of the show is all about how the habit of binary thinking can derail your retirement planning goals. What is binary thinking? I’m glad you asked! […]

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Mitigating Retirement Risks as You Plan For Your Future (Retirement Plan Live Session 3)

Wed, 15 Feb 2017 06:00:01 +0000

Well, here we are – at session number three of Kim and Joe’s 2017 Retirement Plan LIVE experience. Today we reach the topic nobody enjoys talking about but that we HAVE to talk about anyway: Retirement Risks. There are many things we need to consider on this episode of the Retirement Answer Man in order […]

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#156 – How Your Personal Net Worth Statement Can Inform Your Retirement Decisions – Retirement Plan LIVE Ep. 2

Wed, 08 Feb 2017 06:00:06 +0000

Planning for retirement will be next to impossible if you don’t have some sort of barometer of your financial situation – and that’s why I always create a personal net worth statement with my clients to have a starting point for retirement planning. On this episode – the 2nd in the 2017 Retirement Plan LIVE […]

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#155 – Retirement Wishes Start With Good Planning (Retirement Plan LIVE 2017)

Wed, 01 Feb 2017 06:00:01 +0000

What are your retirement wishes? Do you have any? This episode of The Retirement Answer Man is all about retirement wishes – dreaming up the kind of retirement you really want to live (forget about what seems practical for now). I’m walking through an initial retirement planning conversation with Kim and Joe – this year’s […]

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#154 – Introducing Kim and Joe, the Couple Planning For Retirement via Retirement Plan LIVE.

Thu, 26 Jan 2017 17:44:32 +0000

Every year I conduct a grand experiment in internet broadcasting that features everyday people like you. It’s called Retirement Plan LIVE and it’s my attempt at helping you know the ins and outs of effective retirement planning – and I do it by inviting listeners to take part in a to-be-aired set of conversations that […]

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#153 – Real Life Personal Growth And Finance Stories with P.T. Money

Wed, 18 Jan 2017 06:00:06 +0000

Every one of us has a Facebook face – right? It’s that face we put on for the Facebook watching world (at least we HOPE they are watching). Here’s what it looks like: We have a great life, great relationships, new car, enviable vacation pictures – you know the drill. It’s the adult way of […]

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#152 – Financial Forecasting: 2017 Predictions And The Impact They Have On YOU

Wed, 11 Jan 2017 06:00:08 +0000

Financial forecasting season is upon us! It’s the new year and there’s always a handful of predictions you see regarding politics, markets, social trends, and much more. If you spend much time listening to the talking heads out there you can come away very confused. Why? Because you’ll hear as many opinions and forecasts as […]

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#151 – Setting Retirement Goals and Working Toward Them: How One Couple Is Doing It

Wed, 04 Jan 2017 06:00:50 +0000

Welcome, welcome welcome! It’s 2017 and time to address those retirement goals you’ve been putting off. And I’m here to help. I’m Roger Whitney, otherwise known as The Retirement Answer Man. I’m here every week to help you think through, plan for, and take action toward a better retirement than you can conceive! Well, maybe […]

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#150 – Dealing With Failure By Seeing It As Feedback

Wed, 21 Dec 2016 06:00:50 +0000

Dealing with failure is never an easy thing. We all have things we regret, wish we could do over, or would like to have never done in the first place. This episode of The Retirement Answer Man is filled with YOUR feedback to this show – over 220 responses you sent in at my request, […]

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#149 – How The Temptation of Hyperbolic Discounting Can Bite You In the End.

Wed, 14 Dec 2016 06:00:14 +0000

You may not even know what “hyperbolic discounting” is. But it’s something we all fall prey to numerous times, at least weekly. It’s the temptation to do something now that you know is not the best long-term. On this episode, I tell the story of how I bought a set of noise canceling headphones even […]

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#148 – Maximizing Social Security For Your Best Retirement Ever!

Wed, 07 Dec 2016 06:00:30 +0000

You want to get the most out of your Social Security benefits, right? I’m with you, maximize Social Security as much as you can! But there’s a lot of conflicting advice out there about what you should do to make that happen. Some advisors are saying you should take early but reduced benefits in view […]

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#147 – Avoid The Retirement Crisis By Building Retirement Dreams

Wed, 30 Nov 2016 06:00:58 +0000

I’ve been hearing a lot lately about the so-called retirement crisis that’s happening in the United States. And what I think has happened is this – a long-held belief that rising costs and the decreasing value of the dollar make retirement more and more difficult – has conditioned us to think in terms of survival […]

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#146 – The Strength of the Dollar, The Forex Market, and Listener Questions About Asset Allocation

Wed, 23 Nov 2016 06:00:17 +0000

In case you haven’t noticed, the recent election has had a pretty significant impact on the strength of the dollar worldwide. The U.S. dollar is actually gaining strength in the world economy – it’s at a 13 year high – and it’s in large part because of what financial gurus around the world believe is […]

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#145 – Year End Financial Issues You Should Consider

Wed, 16 Nov 2016 06:00:27 +0000

It’s almost time for that year end tax planning. 2017 is going to be here before you know it! Over the past few weeks, I’ve been talking with quite a few of my clients about their year end financial planning and realized that the things I’ve been talking about week after week these days could […]

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#144 – The Power of Reading For Life, Success, and A Better Retirement.

Wed, 09 Nov 2016 06:00:26 +0000

The power of reading is something you shouldn’t underestimate. Even if you don’t enjoy reading. That’s because there’s no other resource in the world where you can spend $20 and get a potential return of thousands of dollars, increased happiness, greater success, and a whole lot more. I’ve been thinking about this a lot lately […]

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#143 – Sunk Cost Bias and How It Makes YOU Your Biggest Retirement Obstacle

Wed, 02 Nov 2016 06:00:27 +0000

Do you understand the concept of sunk cost? It refers to anything you’ve invested time or money in and afterward discover that the thing is not going to play out the way you thought. It could be an investment, a hobby, a project of some kind, a purchase, even a political candidate. The tendency we […]

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#142 – How Do Financial Markets React To Presidential Election Cycles?

Wed, 26 Oct 2016 06:00:14 +0000

The 2016 Election in the United States is being hailed as one of the WORST campaigns in American history. It’s pretty bad but historically it’s actually not the worst that has happened. The election of 1828 between John Quincy Adams and Andrew Jackson was truly vicious and I for one am thankful that we’ve come […]

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#141 – Why Longevity Makes Retirement a Whole New Game

Wed, 19 Oct 2016 06:00:05 +0000

I love putting out episodes of the Retirement Answer Man podcast because you don’t think about your retirement every day of your life, but I do! I get to experience varied conversations with people from all walks of life about their retirement goals, every day of the work week. That’s a lot of varied experiences […]

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#140 – Do You Have The Courage To Color Outside the Lines?

Wed, 12 Oct 2016 06:00:16 +0000

When I think about the way the American Dream is typically carried out, it looks like a “Paint By Numbers” exercise. We’re given specific things we’re supposed to do in life – graduate High School, go to college, get a job, work a long time, save up for retirement, retire. But is that really the […]

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#139 – The #1 Fear About Retirement: Losing My Mind

Wed, 05 Oct 2016 06:00:37 +0000

When I speak to clients and potential clients it’s amazing that the #1 fear they have about retirement is not how they are going to support themselves financially, where they are going to live, or what their standard of living will be. The #1 fear I hear from clients is the fear of losing their […]

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#138- 10 Powerful Book Recommendations For Investing And Personal Growth

Wed, 28 Sep 2016 06:00:36 +0000

Anyone who is a reader would be happy to give you their “top 10” list of book recommendations. But today’s episode is not about my top 10 – it’s simply a list of books that have had a great impact on my life through the years. Your list will by default be different than mine […]

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#137 -How To Become A Better Decision Maker, Even In The Small Things

Wed, 21 Sep 2016 06:00:28 +0000

All of us can become better decision makers but we often don’t realize that one of the most important realms of life we need to do that in is relating to the small things. Small things add up over time to become really big things. Just ask the alcoholic or an inmate in a penitentiary. […]

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#136 – Decision Making: Getting It Right For Retirement (and the rest of life)

Wed, 14 Sep 2016 06:00:17 +0000

Decision making: It’s been said that not making a decision is actually making a decision. But we tend not to think of it that way because it doesn’t feel like we’re making a decision. It feels safer to go on the way things have been instead of making a change. But is that true? On […]

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#135 – Why People In The Financial Services Industry Are Freaking Out!

Wed, 07 Sep 2016 06:00:36 +0000

It’s not a good things when the financial services industry is freaking out. I mean really – these are people who are giving advice to you about your finances and retirement. Does it make YOU feel good when you see them freaking out? You might be wondering what in the world I’m talking about. It […]

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#134 – Is Economic Growth Always A Good Thing?

Wed, 31 Aug 2016 06:00:08 +0000

Economic growth is always a hot topic when election year rolls around. The candidates make it sound like a lack of growth is the worst thing that could ever happen during any President’s term. But is that true? And furthermore, are there actually benefits to having times of economic slowdown or even recession? On this […]

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#133 – Economic Growth, the Upcoming Election, Life Satisfaction!

Wed, 24 Aug 2016 06:00:05 +0000

Economic growth is the hot button topic during this election. Have you noticed? When politicians, analysts, and talking heads on the news use that term “economic growth” – what do they really mean by it? It’s easy to make assumptions and easy to get lost in the verbiage because it sounds like something we all […]

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#132 – How Personal Values Can Impact Your Level Of Happiness In Retirement

Wed, 17 Aug 2016 06:00:41 +0000

Personal values are really important. Do you know what yours are? It’s easy to respond immediately to the question with a “Sure, I know what my personal values are.” But do you really? I didn’t until I was challenged by my life coaches – Robert Mallon and Bill Watkins – to write down my top […]

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#131 – How To Detect Burnout and Fix The Cause Of It, with Dr. Clark Gaither

Wed, 10 Aug 2016 06:00:04 +0000

Burnout may not be top of mind for you when you’re thinking about retirement. But maybe it should be. After all, you won’t be as productive in your pre-retirement years if you’re subject to job related burnout all along the way. Toward helping you think about your retirement planning in a healthier and more productive […]

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#130 – Retirement Age Is Approaching! Are You Going to Be Secure In Your Older Years?

Wed, 03 Aug 2016 06:00:19 +0000

Retirement age is approaching faster than most of us want to admit. It will be here before you know it – and one of the most common things I hear from people who have moved into their retirement years is this: “I don’t feel very secure.” I used to think of retirement age security as […]

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#129 – How to Avoid the Trap of Emotional Investing, with Dr. Daniel Crosby

Wed, 27 Jul 2016 06:00:54 +0000

One of the biggest pitfalls of being an investor is that we tend to make emotional investing decisions. What does that mean? Take a scenario for a moment: the market takes a serious dip and stock prices plummet. The tendency the majority of investors have is to rush to their advisor and try to make […]

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#128 – Here’s How Technology Will Help You Combat Loneliness in Retirement

Wed, 20 Jul 2016 06:00:36 +0000

One is the loneliest number, right? It’s hard to think about retirement without honestly assessing the possibility that loneliness could be a very real aspect of it. But does it have to be that way? Not if I can help it! I’m Roger Whitney, the Retirement Answer Man and on today’s episode of the podcast […]

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#127 – Here’s How Technology Will Impact Your Mobility During Retirement

Wed, 13 Jul 2016 06:00:06 +0000

Do you remember your very first car? Do you remember the feeling of freedom and responsibility it gave you? The kind of mobility that comes from having and driving your own vehicle is something that many of us have been enjoying for 30 to 50 years. Have you taken the time to consider the impact […]

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#126: Here’s to the Future: How Technology Will Change Your Retirement

Wed, 06 Jul 2016 06:00:02 +0000

It seems funny to think about but those old Jetsons cartoons from the 1960s and 1970s are actually becoming more and more reality in the present day. More and more opportunity and concern is arising from the advances in technology that we see happening around us. I believe that many of these advances can be […]

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#125 – 5 Things You Should Do in a Post-BREXIT World for Your Retirement

Wed, 29 Jun 2016 06:00:57 +0000

Hey, it’s me, Roger Whitney – the Retirement Answer Man – and I’m here to help you not only plan for a happy and healthy retirement season but also to live a happier and healthier life now as you move toward retirement. On this episode we’re going to tackle the volatility in the markets as […]

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#124 – Why You Should Say YES More

Wed, 22 Jun 2016 06:00:32 +0000

Today is a day to say “Yes” to something. I mean it. There are so many opportunities out there, so many experiences to enrich your life. What could happen if you took the time to say “yes” to one of those opportunities? You’ll only know if you do it. I’m so thankful you’ve joined me […]

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#123 – How to Make the Most of Social Security with Emily Guy Birken

Wed, 15 Jun 2016 06:00:36 +0000

For as long as I’ve been aware of Social Security there’s been concerned that there won’t be enough funds to support future retirees. Well here we are in 2016 and the Social Security system is going along as it always has. Today’s guest is an expert on the topic, which is why I’ve invited her […]

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#122 How the Wisdom of Chess Can Make You a Grandmaster of Investing With Doug Goldstein

Wed, 08 Jun 2016 06:00:09 +0000

I invite you to engage with the audio on this page, for the sake of your future, your happy retirement, and your overall happiness in life. That’s because the Retirement Answer Man is not just about numbers and figures, it’s about building a life that you can be proud of and satisfied with once you […]

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#121 – What You Should Know About Risk Management and Insurance

Wed, 01 Jun 2016 06:00:50 +0000

Risk Management: It’s a boring topic most of the time, but not this time – I guarantee it! Welcome back to this episode of The Retirement Answer Man. I’m happy you’re here (I’m Roger Whitney, by the way). I hope that you’re ready for an important conversation today. And I mean that, it really is […]

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#120 – How to Use the Sharing Economy in Retirement

Wed, 25 May 2016 06:00:25 +0000

It’s that time of the week again – time for another episode of The Retirement Answer Man featuring your very own Retirement Answer Man, Roger Whitney (that’s me). On this episode I’m going to introduce you to the concept of what is being called the “sharing economy” (in case you didn’t know what it was […]

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#119 – What You Need to Know to Invest in Bonds

Wed, 18 May 2016 06:00:33 +0000

Welcome back to another episode of The Retirement Answer Man podcast, I am Roger Whitney, your host. In a financial climate like the one we are currently living in, when interest rates are low, how should you think about those fixed-income investments in your portfolio such as bonds? On this episode of the show I […]

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#118 – 3 Action Steps to Maximize Your Social Security Benefits.

Wed, 11 May 2016 06:00:53 +0000

If you want to learn how to maximize both your preparation and enjoyment of retirement, you’ve found the best way to do that. It’s here on The Retirement Answer Man podcast. This episode is focused on a very important issue – understanding the Social Security system (which is no small task). I’ve got a great […]

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#117 – How to Break Free and Live a Life True to YOU

Wed, 04 May 2016 06:00:42 +0000

Retirement Planning is what this show is about, and I’m glad you’re here to be a part of the conversation. I’m Roger Whitney, The Retirement Answer Man and this is the show where I seek to guide you through my years of experience as a retirement planner into not only planning for the retirement of […]

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#116 – 6 Mistakes You Need to Avoid in Retirement

Wed, 27 Apr 2016 06:00:55 +0000

Are you ready to make the most of the life you have? I’m Roger Whitney and I’m here to help you do exactly that – not just for your retirement years, but for your entire life. On today’s show you’ll have the opportunity to dive into all kinds of good stuff, including my weekly happy […]

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#115 How to Decide Whether to Rollover Your 401(k) to an IRA

Tue, 19 Apr 2016 06:00:44 +0000

Should I rollover my 401(k) to an IRA? Most advisors say yes, but it’s not always the best idea. In this episode, we share what you should consider to make the choice that’s right for you. Listen to the Audio Happy Lab Over the last few weeks we’ve been reviewing the top 5 regrets […]

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#114 What You Need to Know About the World Economy

Tue, 12 Apr 2016 06:00:26 +0000

If you’re investing for a great retirement, the state of the world economy can have a big impact on your success. This week, we go around the world updating you on Asia, Europe and the Americas. Listen to the Audio In This Episode We Cover Happy Lab “I wish I had stayed in touch with […]

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#113 – How Your Personality Affects Your Money Decisions

Tue, 05 Apr 2016 06:00:41 +0000

Thank you for joining me on The Retirement Answer Man show today. I am Roger Whitney and I am truly blessed to know that you are interested enough in this podcast to track down this show notes page. On this episode of the show, we are going to focus in on happiness, the things that […]

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#112 – What you Should Know About Investing in Real Estate

Tue, 29 Mar 2016 06:00:31 +0000

Welcome once again to another great episode of The Retirement Answer Man. I’m Roger Whitney, your host. I have been getting a lot of questions about real estate investing and I have to admit that I am not the expert on that subject. So, what I decided to do was to reach out to someone […]

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#111- Why You Shouldn’t Fall into the Market Timing Trap

Tue, 22 Mar 2016 06:00:57 +0000

I’m so thankful – SO THANKFUL – that you have joined me once again for The Retirement Answer Man show. I’m Roger Whitney, certified financial planner, and your host for the show. If you’re new to the show, I’m glad you dropped by and I encourage you to dig into the many resources I have […]

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#110 – What You’d Better Understand About Diversification and Indexes

Tue, 15 Mar 2016 06:00:08 +0000

Welcome once again to another episode of the Retirement Answer Man podcast. I recognize that time is your most valuable commodity, and I don’t take it lightly that you are spending a significant portion of it listening to this podcast. Thank you! Thank you for the trust and confidence you are expressing in me by […]

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#109 – How to Make a Successful Career Pivot with Mike Kim

Tue, 08 Mar 2016 06:00:14 +0000

Welcome to another episode of The Retirement Answer Man, with me, Roger Whitney! My goal is that you’ll walk away inspired and ready for action. On this episode, I am your guide to financial bubbles and the preservation of your long term investments. I will also pick the brain of marketing consultant and communications strategist, […]

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#108 – This is What the Market Thinks About Presidential Elections

Tue, 01 Mar 2016 12:00:02 +0000

Welcome once again to another episode of The Retirement Answer Man with Roger Whitney…me! It’s my goal to help you prepare for your retirement in a way that equips you to be happier, healthier, and more “on purpose” during your retirement years than you ever thought possible. On this episode I’m going to walk you […]

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#107 – Why You Should Stop Worrying So Much

Tue, 23 Feb 2016 12:00:20 +0000

Welcome back to The Retirement Answer Man Podcast. I am your host, Roger Whitney. Some people know me as THE Retirement Answer Man and I’m here to help YOU make the most of your retirement years, not only through wise financial planning, but also through maximizing your life to be exactly what you want it […]

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#106 – This Market SUCKS: What to Expect for the Rest of the Year

Tue, 16 Feb 2016 12:00:08 +0000

I am so thankful, yes THANKFUL that you have decided to take the time to join me for another episode of the Retirement Answer Man. This show is a labor of love to me and I can’t express how wonderful it is for me to know that you’re finding value in what I’m sharing. On […]

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#105 – Why You Should Ignore All Market Predictions

Tue, 09 Feb 2016 12:00:16 +0000

Welcome once again to The Retirement Answer Man show. I’m Roger Whitney, AKA the Retirement Answer Man. This episode of the show is one where I really get to live up to that name, because I’m answering two very practical listener questions covering how to figure out your “risk tolerance” in light of the different […]

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#104 – Is tax deferral really the best way to save for retirement?

Tue, 02 Feb 2016 12:00:51 +0000

Welcome back to the Retirement Answer Man… my name is Roger Whitney and I am a certified financial planner and your host of every episode of the show. This show is all about you – your retirement, your future, and your life. I want to help you think about your finances and retirement planning in […]

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#103 – How Will You Manage These Risks in Retirement?

Tue, 26 Jan 2016 12:00:17 +0000

Good day to you again, my friends, and welcome to this edition of The Retirement Answer Man, my name is Roger Whitney, your host! Today we are smack in the middle of our “Retirement Plan Live” event and you’re going to get to hear another conversation I had with Linda (of Linda and James) about […]

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#102 – Want to Retire? Stop Watching the Markets, Watch This

Tue, 19 Jan 2016 12:00:52 +0000

Hey there, welcome back to another episode of The Retirement Answer Man. I’m Roger Whitney – THE Retirement Answer Man – and in case this is the first time you’ve ever wandered over to my show, welcome! I’m so glad you’re here. You’ve jumped right into the middle of my “Retirement Plan Live” series, where […]

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#101 – How to Dream Up Your Ideal Retirement

Tue, 12 Jan 2016 12:00:11 +0000

It’s here! You know you’ve been waiting for it and now I’m able to bring it to you… this year’s installment of Retirement Plan Live! This is YOUR opportunity to hear me walk through a real life, honest to goodness retirement plan with a very real couple – Linda and James. Today we’re going to […]

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#100 – How to Become a Super Saver in 2016

Tue, 05 Jan 2016 12:00:54 +0000

Happy 2016 to all of you retirement interested folks out there, this is Roger Whitney, and in these parts I’m known as The Retirement Answer Man. I do a podcast each week to help you think about, plan for, and maximize your retirement years so that you can enjoy life, live to the fullest, and […]

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#99 – Five Reasons to be Thankful Interest Rates are Going Up

Tue, 29 Dec 2015 12:00:09 +0000

Welcome, welcome, welcome – to another episode of The Retirement Answer Man. My name is Roger Whitney and I am your host, companion, and guide to this episode, where we are going to navigate the farthest reaches of retirement theory and financial planning to help YOU create the retirement and future of your dreams. (Wow, […]

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Is Your Asset Allocation All Wrong During Retirement?

Wed, 23 Dec 2015 15:36:58 +0000

One hundred minus your age in equities. This is is the rule of thumb for asset allocation during retirement we’ve all heard. This best practice may not be best after all. Recent research, however, questions this logic. If your goal is achieving life goals, It may be better to INCREASE your equity exposure as you age. In […]

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#97 – How to Take Your Wealth Building to the Next Level with Todd Tresidder

Tue, 15 Dec 2015 12:00:44 +0000

Good day to you once again and welcome to this show notes page for the Retirement Answer Man podcast. I’m Roger Whitney, your host… and I’ve once again been blessed to put together a great episode of practical information for you to help you get underway on the retirement journey. On this episode there’s lots […]

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#96 – How to Evaluate When to Take Your Pension

Tue, 08 Dec 2015 12:00:16 +0000

Hello, it’s Roger again, and welcome, welcome, WELCOME to this episode of the Retirement Answer Man. I’m so happy you’ve joined me! In this edition we’re going to talk about lots of great things that you can learn to help you understand and navigate the time of life we call “retirement” and I’m going to […]

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#95 – Make Sure You Know This About Your Inherited IRA

Tue, 01 Dec 2015 12:00:13 +0000

Well, hello and welcome to the Retirement Answer Man. I am your host, Roger Whitney, and today’s show is packed full of great retirement information for you to use to educate yourself on your own retirement planning. But make sure you know this: The things I talk about on this show are purely for entertainment […]

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#94 – Simple Year End Tax Strategies That Could Pay for Christmas

Tue, 24 Nov 2015 12:00:06 +0000

In this episode I’ve got a ton of great things to share with you – everything from a super announcement about our second annual “Retirement Plan LIVE” event that will be going on, to a quick definition and discussion of capital gains and dividend distributions, Christmas planning and tax savings, a conversation with a great […]

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#93 – How to Be Happy: It’s Easier Than You Think

Tue, 17 Nov 2015 12:00:58 +0000

Hey there all you retirement-interested listeners out there, welcome to another episode of The Retirement Answer Man with yours truly, Roger Whitney. I’m so thankful you’re taking the time to listen today and want to do everything I can to make that investment of time worth your while. On this episode I have a great […]

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#92 – Bye Bye File and Suspend: What You Need to Know

Tue, 10 Nov 2015 12:00:37 +0000

Hello there and welcome to this show notes page for episode 92 of the Retirement Answer man. I’m Roger Whitney, THE Retirement Answer Man, and on this episode I’m shaking it up a bit; throwing in some new segments that I believe are going to simplify and energize your retirement planning. I’d love to hear […]

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#91 – Chris Hogan Wants You to Know This About Retirement

Tue, 03 Nov 2015 12:00:45 +0000

Hey friends, Roger here, and I want thank you – truly THANK YOU – for being a part of the Retirement Answer Man community. My greatest hope is that the information I share on this podcast enables you to retire happily and wisely so you can make the most of your future. I kind of […]

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#90 – How to Answer The Question, “When Can I Retire?”

Tue, 27 Oct 2015 09:00:06 +0000

Hello friends, Roger here. Today’s podcast is going to be a bit unusual, but not too unusual. I’m going to be answering listener questions about the question I’ve been dealing with all month long, “When I Can I Retire?” We’ve got questions about taxes, balancing portfolios, average expenses for the various stages of retirement, and […]

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#89 – 5 Impacts Longevity Could Have on Your Retirement

Tue, 20 Oct 2015 11:00:23 +0000

You know, there’s a lot of talk these days about the human lifespan being extended because of medical breakthroughs. Is it really going to happen? I tend to think that it’s likely just because of all the advances in nutrition, medicine, and even DNA research. If it does, what are the impacts that living longer […]

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#88 – The 6 Biggest Expenses During Retirement

Tue, 13 Oct 2015 11:00:30 +0000

Hey folks, Roger here… Do you know what the 6 biggest expenses are that you’ll face during retirement? In this episode of the Retirement Answer Man, I want to walk through those expenses for a couple of reasons: 1) You need to have a clear picture of where you’re headed so you can be prepared […]

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#87 – 4 Myths That Could Ruin Your Retirement and How to Avoid Them

Tue, 06 Oct 2015 11:00:03 +0000

If you’re in your 40s or 50s you’ve probably started to wonder when you can retire and what your retirement lifestyle might look like. You’re ready to be free from the set schedule of work and have more control over how you send your days. You’re ready to spend more time with your family and […]

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#86 -You Are Enough For Today

Tue, 29 Sep 2015 11:00:54 +0000

This episode of the Retirement Answer man is filled with some debt-crunching, retirement building, volatile market enduring advice to help you put your financial life in order. The feature segment of the show features the story of Jamie and Ruth, a couple who paid off over $83,000 in debt in just over 30 months. 30 […]

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#85 -9 Books to Help You Live a Great Life AND Invest Smarter

Tue, 22 Sep 2015 17:18:48 +0000

Congratulations to YOU, the listeners of the Retirement Answer Man! Why are we congratulating you? Because you are the reason behind the recent honor Roger and the RAM show received at the FinCon Conference. Roger received the equivalent of an Emmy award for broadcasters in the Financial Services Industry – a Plutus Award. He couldn’t […]

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#84 Learn How to Career Pivot to a More Independent Life During Retirement

Tue, 15 Sep 2015 11:00:39 +0000

In today’s podcast, Roger hosts a terrific conversation with Marc Miller. Marc is a veteran of the corporate world, having worked for IBM for many years. He’s made what he calls a “pivot” in his career journey by exiting the corporate world and starting up his own consulting and coaching business to help others pivot […]

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#83 When You Feel Like Your Plan to Retire is Screwed

Tue, 08 Sep 2015 11:00:58 +0000

If you’ve never listened to The Retirement Answer Man before, you’re in for a real treat today. Roger has a great show in store that includes an invitation for you to get your questions answered on the show. Really, your retirement or financial planning related questions are exactly what Roger wants to feature more in […]

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#82 Don’t Let Bad Markets Change a Good Plan

Tue, 01 Sep 2015 11:00:48 +0000

One of the most tempting but dangerous things investors (and investment advisors) do is to change investment strategies in light of what current markets are doing. Don’t misunderstand, it’s always wise to make adjustments when needed, but not to your overall strategy or plan. You put together that strategy to accomplish certain goals within certain […]

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#81 How to Find a Good Charity in Your Community

Tue, 25 Aug 2015 11:00:18 +0000

Today’s episode of The Retirement Answer Man debuts a brand new format that will help you make even more of your retirement and financial planning. From here on out all episodes of RAM will be consist of 3 segments – The Hot Topic, where Roger addresses current issues on the financial horizon – The Practical […]

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#80 Why Smart People Can Be Stupid with Money, Too

Tue, 18 Aug 2015 11:00:33 +0000

Roger starts the show off with a bang today by answering a listener question: “I’m a smart guy. So why do I make such stupid decisions when it comes to money?” Feel familiar? We’ve all made our share of mistakes in the financial areas of our lives, and that pattern never really changes unless we […]

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#79 Want to Start a Business? Learn How to Fail Forward

Tue, 11 Aug 2015 11:00:07 +0000

Retirement planning is as much about additional sources of income as it is about investments. Roger’s guest today, Matt Miller, has built a company that offers savvy retirement planners a legitimate way to add an additional stream of income to their current situation – either on the side or with hopes of it moving toward […]

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#78 See, Retirement Planning Can Be Fun!

Tue, 04 Aug 2015 10:00:00 +0000

I’ve been hacked!!!! To prove that talking retirement planning doesn’t have to be dull, Joe Saul-Sehy from the Stacking Benjamins Show hacked into this week’s show. We were all set for another super serious retirement planning show when Joe from Stacking Benjamins hacked in and took over. Evidently Joe thought I was getting a bit too […]

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#77 How Not to Be a Terrible Husband

Tue, 28 Jul 2015 14:14:11 +0000

It’s easier than ever to become a terrible husband. Our connected world has caused the outside world of news, work and friends to compete for the limited attention we have when we’re at home. If you’re not careful, e-mails, status updates and the internet can rob your wife of her rightful place as the center […]

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#75 Starting a Family and Planning for Retirement? I Got This.

Tue, 21 Jul 2015 10:30:58 +0000

Many say the American dream is dead. That getting married, starting a family and building for the future is no longer possible. Even worse, many others believe it when they hear it. All the while, though, there are people with “normal” jobs building the American Dream step by step. One such person (or couple) is […]

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The Mid Year Outlook for Investing

Tue, 14 Jul 2015 11:00:55 +0000

What do you think the midyear outlook for the market is? Greece is all over the news (What is it with Greece, anyway?), markets in China are crazy and here in the U.S. everyone is freaked out about when interest rates will rise. What is an investor to do? In this episode, we’ll discuss the […]

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#73 Don’t Make This Stupid Retirement Investment

Tue, 07 Jul 2015 10:30:49 +0000

You’d never intentionally make a stupid investment for your retirement. Yet, most of us do everyday. We invest or should I say digest horrible things into our body. Over time these bad “investments” rob us of the most important thing in retirement, our health, and potentially give us a huge negative return in the form […]

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#72 From High School Sweethearts to Retirement

Tue, 30 Jun 2015 10:30:44 +0000

Do you remember your high school sweetheart? I remember…..all of them. Young “love” is exciting, but how often does it turn into true love that lasts into retirement? I found my true love, Shauna, in college. This year we’ll celebrate our 25th anniversary. When did you meet your true love? In this week’s journey to retirement […]

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#71 Dying Ain’t Cheap: The Emotional & Financial Costs of End of Life Care

Wed, 24 Jun 2015 22:52:00 +0000

IS ANYONE THERE??? I ask because no one wants to talk about dying or end of life costs. Seriously, when do you bring it up? At a family dinner?? Maybe on your Saturday date night??? Most likely you only think about it when you see the devastating effects it has on someone you know. The Emotional and […]

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#70 Don’t Miss Your Life While Planning for Retirement

Wed, 17 Jun 2015 10:30:31 +0000

You may die tomorrow. You may get sick. There’s no way to predict it and there’s nothing you can do about it. Yeah, It sucks, I know. I’ve got the same deal. As important as planning for retirement is, it’s just as important…no, more important….you make the most of the only life you have. The one […]

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#69 WARNING: Investment Talk Radio May Be Hazardous to Your Retirement

Wed, 10 Jun 2015 13:45:23 +0000

If you’re working to build a great retirement, stop listening to weekend investment talk radio. The economics of these local shows encourage the sale of investment products rather than offering sound investment advice. In this week’s episode, I answer listener questions and talk about the difference between investment and investment products and why too much […]

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#68 Retirement Means the Freedom to Do What I Want, When I Want

Wed, 03 Jun 2015 10:30:40 +0000

Have you noticed how these Journey to Retirement stories have little to do with money? Each listener’s story has focused on freedom and experiences. This week’s story is no different. Favorite Quote From This Week’s Story [Tweet “”It (retirement) means the freedom to do what we want, when we want and where we want.””] Lessons […]

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#67 Intentional Decisions Can Lead to a Great Retirement

Fri, 29 May 2015 15:17:04 +0000

Ask anyone and they’ll most likely say they want to have a great retirement. But looking at the day-to-day financial decisions of most people might tell a different story. “What you do speaks so loud that I cannot hear what you say.” Ralph Waldo Emerson It’s not enough to want a great retirement. You need […]

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#66 Yes, 27 Year-Olds Think About Retirement, Too

Tue, 19 May 2015 10:30:03 +0000

“The younger generation is ruining this country!” This was said about the baby boomers. Now it’s said about the millennials. The fact is, each new generation brings a fresh perspective that helps our society and country renew itself. Recently I spoke with a “millennial” who, like you and me, is working to raise a family […]

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#65 Jen’s Retirement Journey: Rising From the Ashes

Tue, 12 May 2015 13:32:10 +0000

We all screw up along the way to retirement. We blow all our earnings. We accumulate a pile of debt. We dig a hole so deep, we wonder if we can ever get out and prosper financially. In my 20s, I bought a nice BMW and my wife and I built a fancy custom home. […]

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#64 Rick’s Journey to Retirement has Been Steady as It Goes

Tue, 05 May 2015 10:30:11 +0000

Despite what the media and some financial advisors tell us, preparing for retirement isn’t about fancy strategies or the best investment. This week listener “Rick” shares his story of how he became a 401(k) millionaire by using a simple but powerful strategy. “Rick” was the first listener to share his story. Rick isn’t his real […]

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#63 Aaron Walker Wants You to Be Extraordinary

Fri, 01 May 2015 10:30:28 +0000

There are plenty of people around today that will offer their services as a “life coach” or “business coach.” Few have the demonstrated history of success as businessman, family man and friend to man as Aaron Walker. Register for May 26th’s Webinar: How to Manage Cash Flow in Retirement [button_2 align=”center” href=”https://attendee.gotowebinar.com/register/2818602821725961217″ new_window=”Y”]Register Here[/button_2] […]

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#62 Tell Your Money & Retirement Story

Wed, 22 Apr 2015 10:30:04 +0000

At the end of day, all that matters is what retirement means to you. Forget what the commercials say. Forget what the brochures say. Forget much of what your advisor may say. You don’t have a “number;” you have a life that you get to define and live. This week I’m starting a new series […]

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#61 Want to Retire? Why Smart Isn’t Enough

Thu, 16 Apr 2015 22:22:11 +0000

If you want to retire and are looking for guidance, don’t just find someone smart. There are plenty of smart advisors with plenty of smart ideas. It’s been my experience that smart by itself, isn’t enough. If you want to retire successfully, it’s better to seek out wisdom. [Tweet “It ain’t what you don’t know […]

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#60 Should I Take a Company Buyout Package? with Marc Miller

Thu, 09 Apr 2015 10:30:20 +0000

If you work for a company, you’re a cog in the machine. You’re a replaceable part, easily eliminated or replaced if it suits the needs of the company. Sorry to be so blunt. I’m not trying to hurt your feelings. It’s just important you accept this if you’re going to thrive in the years ahead. […]

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#59 You Can’t Frugal Your Way to Retirement with Paula Pant

Thu, 02 Apr 2015 10:30:02 +0000

Most of the personal finance blogs you read focus on how to be more frugal. How to cut costs so you can safe and invest for retirement. It’s important to be frugal but frugal only goes so far. I’ve invited Paula Pant from Afford Anything to chat about frugality and what might be a better place to […]

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#58 Solving Your Retirement Puzzle: Bill & Sally Webinar Preview

Wed, 25 Mar 2015 10:30:07 +0000

Just because Bill & Sally can’t achieve their ideal retirement doesn’t mean they can’t have a great retirement. In this episode, we’ll discuss: Why it’s okay to not be able to achieve an ideal retirement Common ways to adjust your retirement plan Uncommon ways to adjust your plan How to gauge how much investment risk […]

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#57 NO Ideal Retirement for YOU, Bill & Sally

Wed, 18 Mar 2015 20:52:15 +0000

Yeah, you read that right. Bill and Sally cannot achieve their ideal retirement. That really sucks….or does it??? Remember in Episode 55 when I outlined Bill and Sally’s ideal retirement? I said “too many people are being too reasonable when setting their retirement goals” and challenged you to think BIG about yours. Well, that’s what Bill and […]

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#56 Bill & Sally Created a Net Worth Statement. Have You?

Wed, 11 Mar 2015 12:11:05 +0000

If you asked me what was the most important item you should do to track your financial health I would tell you to track your net worth. A net worth statement is the most powerful tool you can use to track your financial progress over time. This simple one page document represents the sum of […]

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#55 How to Dream Big About Your Retirement with Bill and Sally

Wed, 04 Mar 2015 11:30:11 +0000

Too many people are being too reasonable when setting their retirement goals. STOP! When you start your planning for retirement it is critical that you think big. There’s time enough later to be reasonable. Right now, focus on what your ideal life would look like….what would your life be if you could “have it all?” Listen […]

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#54 Buy Cars Better With James Kinson

Wed, 25 Feb 2015 11:30:04 +0000

Want to retire a year earlier? Maybe have a bigger lifestyle budget for travel? You might be able to if you change your relationship with your car. “According to Edmunds.com, the average monthly payment on a new vehicle is $479. Considering your existing car is trouble-free, saving that $479 per month means an annual savings of $5,748 by postponing the […]

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#53 What Do You See for YOUR Retirement?

Wed, 18 Feb 2015 11:30:34 +0000

Okay, you’re planning for retirement, but what exactly are you planning for? I don’t think most of us think about this. We work and save and work and save, but spend little time figuring out what we’ll actually do when we retire. In this episode, I interview Tom Schwab of Goodbye Crutches and Inbound for […]

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#52 A Kitchen Table Talk with Carl & Jane About Retirement

Wed, 11 Feb 2015 12:01:50 +0000

I’m still amazed at the level of engagement and transparency “Carl” has had throughout the process of creating his retirement plan on the show. I’m just as amazed at how much the series has resonated with you, the listener. Your questions, comments, suggestions and thank yous made the series better. In this episode, you’ll get […]

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#51 Listener Questions From the Can Carl Retire? Webinar

Wed, 04 Feb 2015 15:00:07 +0000

WOW, your response to the Can Carl Retire? series in January and last Friday’s results webinar were off the charts. I received so many kind comments and sharp questions from you. In today’s episode, I’ll answer a portion of your questions and will get to more next week. Please keep them coming. If you’re wondering, no […]

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#50 Will You Leave a Mess When You Die? Step 4 Organizing Your Estate

Tue, 27 Jan 2015 14:47:04 +0000

Don’t Skip This Step! [button_2 color=”red” align=”center” href=”https://attendee.gotowebinar.com/register/4026186545115849474″ new_window=”Y”]Click Here to Register For Friday’s Webinar[/button_2] One of the most heartbreaking things I’ve seen over 24 years advising families is a surviving spouse or family member dealing with an unorganized estate. Not having your affairs in order puts a huge burden on your family and compounds the […]

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#49 I Want to Retire, But What About…?!?: Step 3 How to Manage Risk in Retirement

Wed, 21 Jan 2015 11:30:59 +0000

Risks can rob you from living a great life. Focus too much on them and you can miss out on a full life. Ignore risks and you can destroy your family’s financial security. If you’ve started planning for retirement, you’re probably overwhelmed with all the things you should worry about. This week, we’ll address, head […]

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#48 Step 2 Identify and Organize Your Financial Resources

Wed, 14 Jan 2015 11:30:25 +0000

Well, were you able to dream up your ideal retirement? It can be hard to think big, right? Hopefully, you’ve stretched yourself. No worries if you’re not finished. Keep at it and if you have questions, I’m here to help. Important Note: If you haven’t listened to Step 1, it’s best to start there. Here’s the link. This […]

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#47 Step 1 Dream Up Your IDEAL Retirement

Wed, 07 Jan 2015 11:30:11 +0000

Are you ready to dream up your IDEAL retirement? This is week one of the “Can Carl Retire?” virtual retirement planning event. If you signed up for the free resources, you should have gotten an e-mail with all the items you need to complete this first important step. Haven’t signed up yet??? No worries, there’s still […]

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#45 Can Carl Retire? See the Retirement Planning Process in Action

Mon, 29 Dec 2014 16:53:08 +0000

One of the most common comments I get from readers is how hard it is to get straight answers to their most important retirement planning questions. “When can I retire?” “What lifestyle can I expect?” “Will I run out of money?” What am I missing???” Starting January 7th, I’ll answer these questions for a fellow […]

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#44 How to Launch Yourself to a Great Retirement [Podcast]

Wed, 24 Dec 2014 05:00:00 +0000

“Why won’t someone give me a straight answer?” This is the comment I get most from listeners trying to find answers to their most pressing retirement planning questions. In 2015, I’m stepping up my game to help you find your answers so you can work towards your ideal retirement. Announcing Retirement Plan Live Want to […]

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#43 Stop Watching the Market and Create a Great Life [Podcast]

Wed, 17 Dec 2014 05:30:25 +0000

Stop watching the market and comparing your investment performance to some benchmark. Everyone does it (even most advisors) but does it really help you create a great life??? Of course it doesn’t. So stop. Stop worrying about “keeping up with the market” and get down to the important work of creating a great life. INVEST […]

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#42 7 Super Simple Tasks to Complete Before You Rock in the New Year [Podcast]

Wed, 10 Dec 2014 05:45:02 +0000

Yeah, there are lots of articles this time of year talking about year-end tasks to complete, but mine are Super Simple ones. Okay…maybe it’s just my way of trying to sound different. Still, these ARE 7 relatively simple tasks that could make a big difference in your financial life (so indulge me). Invest Wisely – […]

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#41 3 Habits to Help You Make Smart Money Choices [Podcast]

Wed, 03 Dec 2014 14:59:44 +0000

You’d think that with all the great information and tools available today that making smart money choices would be easy. The fact is, it’s harder than ever before. We live in a world designed to get us to “buy now” or “avoid that.” These messages are designed by savvy marketers to get us to take […]

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#40 How to Ride the Rapid Towards Retirement [Podcast]

Wed, 19 Nov 2014 05:30:25 +0000

Working towards retirement can feel like rafting a river full of dangerous rapids. As you flow down the river of your life, you’re constantly having to navigate events that threaten to turn your life upside down. Unemployment, death, divorce, college costs, healthcare, recessions, corrections, inflation and countless others can put you on the rocks. This week […]

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#39 7 Investing Lies We Tell Ourselves and How to Avoid Them

Thu, 13 Nov 2014 05:30:39 +0000

If you’re working towards retirement you know that investing wisely is a key part of reaching your goals. The problem is investing means putting your money at risk. That’s stressful. As a result, many of us tell ourselves lies or believe “trues” that can be dangerous to our financial future. In this episode, I’ll discuss […]

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#38 My #1 Retirement Planning Tool to Help People Find Balance [Podcast]

Wed, 05 Nov 2014 15:07:06 +0000

I’m convinced that the most stressful part of planning for and living in retirement is that we don’t know how to balance living well today while not sacrificing tomorrow. As a result, most of us live out of balance. Some of us are so worried about tomorrow that we sacrifice our current lives in order […]

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#37 Kary Oberbrunner Wants You to Ignite Your Soul [Podcast]

Tue, 28 Oct 2014 22:18:34 +0000

Is your soul on fire? Too many of us live in a prison within our mind. We are trapped by our past choices, not realizing that today, right now, we can start a new journey. If you feel stuck, you can create a new life. You can ignite your soul and live your own hero’s […]

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#36 7 Steps to Help Fight Through a Market Correction [Podcast]

Mon, 20 Oct 2014 12:58:37 +0000

You don’t like to lose money. Nobody does. That’s one reason it is so hard to stick to a long-term investment plan when we feel like we’re getting punched in the face by the markets. Just like a boxer, it’s natural to want step back and protect ourselves. This natural reaction, however, has caused most investors […]

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#35 4 Benefits of Forest Fires and Market Corrections [Podcast]

Mon, 13 Oct 2014 05:30:24 +0000

It’s natural to fear a market correction. Losing money (even if on paper) sucks. News reports act as if market corrections are bad. That’s not true. The economy and the markets don’t function well without corrections. Just as there are benefits to a forest fire, a market correction is an essential element of a […]

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4 Myths That Could Ruin Your Retirement and How to Avoid Them

Sun, 12 Oct 2014 20:22:55 +0000

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4 Myths That Could Ruin Your Retirement and How to Avoid Them

Sun, 12 Oct 2014 20:12:53 +0000

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4 Myths That Could Ruin Your Retirement and How to Avoid Them

Sun, 12 Oct 2014 19:07:06 +0000

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#34 Healthcare Options Before Age 65 [Podcast]

Mon, 06 Oct 2014 18:17:03 +0000

Medicare eligibility starts at at 65. If you’re blessed to be able leave your career earlier, you’ll need to evaluate your healthcare options until then. This week I talk with health insurance guru, Misty Kimbrough, about your healthcare options before age 65. Invest Wisely: 3 things you can do to ignore the voices in your […]

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#33 5 Steps to a Healthier Life [Podcast]

Mon, 29 Sep 2014 22:12:50 +0000

Not living a healthier life can be costly as you age. USA Today recently reported that the top retirement concern for people over age 50 is healthcare costs. In fact growing older and being unhealthy can be financially disastrous. It just makes sense, to take a proactive approach to investing in your health. INVEST WISELY: 5 […]

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#32 Career Pivot: How to Change Careers When You’re in Your 50s

Tue, 23 Sep 2014 01:17:27 +0000

Are you in a career that matches your God given talents? Most of us are in careers that we were trained to do. Not careers that centered on our talents. After college, we start work and our careers generally progress on their own without much intentional direction from us. If you’re in your 50s and […]

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#31 What You Can Learn From the Retiree Next Door [podcast]

Thu, 18 Sep 2014 05:00:55 +0000

Wouldn’t it be great to learn about retirement from those that have retired successfully? Here’s your chance. Today at FinCon, the National Conference for Money Media, moneytips.com is releasing the book, The Retiree Next Door. The best part is you can get it for free. Over the last year, the folks at moneytips.com conducted a […]

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#30 How to Invest in Your Marriage with Jackie Bledsoe [podcast]

Mon, 15 Sep 2014 05:31:50 +0000

Have you ever felt distant from your wife? I have. In my 23 years of marriage, there were times my wife and I drifted apart. It’s easy to do. Work, kids, hobbies, etc. just make life hectic at times. We eventually learned to be intentional about nurturing our marriage. Jackie Bledsoe has had the same […]

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#29 Should I Convert to a ROTH IRA? A Talk with Ed Slott [Podcast]

Mon, 08 Sep 2014 05:30:37 +0000

Taxes suck. They erode away your income, savings and investments. One strategy to maximize your retirement savings is to convert your IRA to a ROTH IRA. ROTH IRAs are a powerful tool to help you do this but there are lots of tax and planning issues to consider first. That’s why I turned to Ed Slott, […]

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#28 4 Strategies for Beating Retirement Planning Stress [Podcast]

Mon, 01 Sep 2014 23:00:43 +0000

Stressed about planning for retirement??? You’re not alone. Most of us (including me) freak out when we look at what it could take to provide for our family in retirement. Don’t believe all the statistics; you can take control. Investing Corner Listener Question: Wayne Asks, “My question is are there hidden risks doing my diversifying […]

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#27 Screw Retirement Goals, Here’s a Better Way [Podcast]

Tue, 26 Aug 2014 04:00:12 +0000

Setting retirement goals can be a big waste of time. In my 23 years of advising individuals and families, I’ve rarely found someone that had clear retirement goals. Guess what? They were still able to live a great life and retire comfortably. In this episode I’ll explore the problems with setting retirement goals and offer a better […]

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#26 What You Need to Know Before Investing in Real Estate [Podcast]

Tue, 19 Aug 2014 21:23:52 +0000

If you chose to invest in real estate as part of your retirement plan, you better understand what you’re signing up for. Most “educational” classes, workshops, etc. focus on all the benefits of real estate and gloss over the realities of doing it. Buying, owning and operating rental properties is hard work. This week, I […]

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#25 How to Organize Your Financial Records [Podcast]

Wed, 13 Aug 2014 01:01:42 +0000

My financial records are a mess. Really, they’re horrible. Last week, it took me 3 days to find a car title. My records are a mess. It’s embarrassing. I work so hard to help keep my clients’ financial lives in order and neglect my own record keeping. Need to get organized? In this episode, I’ll […]

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#24 Strategies for Handling Market Corrections [Podcast]

Tue, 05 Aug 2014 14:58:03 +0000

Is the stock market correction here? In the last week of July, the S&P 500 index lost 2.7%. The worst weekly loss in over two years. It didn’t take long for the sensationalist headlines to pop up. Here are two of my favorites. Warning: That plunge in stocks is just the beginning MarketWatch.com 3 market […]

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#23 7 Ways to Screw Up Your Retirement [Podcast]

Tue, 29 Jul 2014 15:44:32 +0000

The cost of a financial misstep in retirement can be devastating. During retirement it is hard to “earn” your way out of poor decisions. Poor planning or a big loss during retirement can ruin your financial security. In this episode, I discuss the most common retirement “screw ups” I’ve seen and how you work to avoid […]

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#22 Invest Wisely: LPL’s Investor’s Almanac: Mid-Year Outlook [Podcast]

Mon, 21 Jul 2014 04:00:29 +0000

This week I speak with Burt White, Chief Investment Officer of LPL Financial. Burt and I discuss LPL’s mid-year outlook titled The Investor’s Almanac. Burt and his team do a great job simply communicating the economic and investing environment. Their Investor’s Almanac is a great tool to help us invest wisely. No bold predictions or market […]

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#21 How to Accept the Worry and Start Planning for Retirement [Podcast]

Mon, 14 Jul 2014 17:27:01 +0000

“I worry” I talk to a lot of people about retirement. Not only clients but most everyone I meet over age 50. I’ll always ask them what their #1 thought is on retirement. I’ve learned a lot from this exercise. The most important thing I’ve learned is that people worry about retirement….alot!. They worry about: all the […]

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#20 Unwrapping Medicare: The Basics [Podcast]

Mon, 07 Jul 2014 14:11:19 +0000

“How do I understand Social Security and Medicare?” This is a question I hear most often from people planning for retirement. Social Security and Medicare benefits will play a big part in your retirement. In this episode we begin to unwrap both and start to build a framework for you to make decisions about […]

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#19 Hate Keeping a Monthly Budget? Here’s an Easier Way [Podcast]

Mon, 30 Jun 2014 14:06:55 +0000

I Hate Keeping a Monthly Budget. Yes, I know that keeping a monthly budget is personal finance 101. Over the years I’ve tried, repeatedly, to track every expense in a monthly budget. Each time I failed after a few months. It’s just too much work. I have better things to do than be a part-time […]

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#18 Deal with Death By Celebrating Life [Podcast]

Mon, 23 Jun 2014 05:30:53 +0000

Deal with Death By Celebrating Life Last week, I wrote about my sister’s passing and her wish that her family have a “Celebration of Life” picnic (you can read it here). In this podcast, I share my thoughts on my sister’s choice and one way you can deal with death by celebrating life. How to […]

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#17 How to Manage Your Cash Flow During Retirement [Podcast]

Mon, 16 Jun 2014 14:25:42 +0000

How to manage cash flow during retirement is probably the question I am asked most often. When you retire and stop receiving a paycheck each month, how you manage drawing from your savings can have a big impact on your financial health. In this episode, I outline the method we use with our retiring clients. […]

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Second-Act Careers: The Benefits of Working During Retirement [Podcast]

Mon, 09 Jun 2014 05:00:34 +0000

Working during retirement could be the best thing you do to find meaning, stay healthy and earn money while doing what you love. In her book, Second-Act Careers: 50 Ways to Profit from Your Passions During Semi-Retirement, Nancy Collamer has created a great resource for anyone wanting to take their passion and earn income from […]

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Jeff Goins Doesn’t Want You to Miss Out on Your Life [podcast]

Mon, 02 Jun 2014 05:00:35 +0000

Jeff Goins doesn’t want to miss his life. And he doesn’t want you to either. In his latest book, “The In-Between: Embracing the Tension Between Now and the Next Big Thing” Jeff reminds himself and us that most of our lives are spent “in-between” the big things. It is in these moments we can find opportunities to […]

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14: Jon Chevreau: Discusses His Book Findependence Day and Host Roger Whitney Talks About a Recent Cyber Attack on His Practice [podcast]

Mon, 26 May 2014 15:23:47 +0000

Want a great gift for a graduating high school or college senior? Jon Chevreau’s book, Findependence Day, is a great gift that teaches important financial lessons within an interesting fictional story of a young couple walking through life. In This Podcast We Discuss: The definition of financial independence Retirement vs. financial independence Life energy and […]

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How to Plan for Housing During Retirement [Podcast]

Mon, 19 May 2014 05:30:33 +0000

Johns Hopkins University’s Center for Innovative Care and Legg Mason recently issued a study titled “Aging and It’s Financial Implications: Planning for Housing. Kathleen Pritchard, Managing Director with Legg Mason, talks with host Roger Whitney about the importance of planning ahead for housing during retirement. Retiring Baby Boomers Will Have Major Implications to Housing Demand 10,000 […]

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Do You Have a Question About How to Plan for Retirement? [Podcast]

Mon, 12 May 2014 14:13:07 +0000

“He who asks a question is a fool for five minutes; he who does not ask a question remains a fool forever.” – Chinese proverb There really are no stupid questions. We’re told this all the time but I don’t think most of us truly believe it. As a result, we leave many very important […]

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Do You Make These Mistakes When You Invest? [Podcast]

Mon, 05 May 2014 05:50:23 +0000

Over the last 20 years studies show that the average investor greatly under performances the stock and bond markets. Why do investors underperform virtually every capital market? In this week’s episode, I speak with Weston J. Wellington a Vice President with Dimensional Fund Advisors about how you can make smarter investment decisions and possibly improve your investment […]

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How to Plan Your Walt Disney World Vacation with Lou Mongello [Podcast]

Mon, 28 Apr 2014 05:30:27 +0000

Walt Disney World is the classic family vacation. If you’re planning on visiting Walt Disney World this year, you’re going to love this week’s podcast. I speak with Lou Mongello, an internationally recognized expert on the Walt Disney World Resort. Lou is a former attorney from New Jersey who has made his lifelong passion his […]

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How to Pay for College with Celest Horton [Podcast]

Mon, 21 Apr 2014 05:30:20 +0000

How to pay for college is one of the most frequent questions I get from parents. This week I interviewed Celest Horton from How to Pay For College HQ to learn about great resources available to help parents pay for college. Celest knows it’s possible to pay for college without student loans (she did it). Each […]

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Lauren Gaggioli Discusses Preparing for the SAT and Selecting the Right College [Podcast]

Sun, 13 Apr 2014 21:05:48 +0000

In this Plan Well Invest Wisely podcast, I interview Lauren Gaggioli, founder of Higher Scores Test Prep. We discuss the importance of the SAT and how to help your child select the right school for them. Here are some of the topics Lauren and I covered: The importance of taking college preparatory tests such as ACT, SAT, […]

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10 Things to Consider BEFORE You Purchase a RV [Podcast]

Mon, 07 Apr 2014 16:43:29 +0000

I bought a recreational vehicle (RV) seven years ago. Here it is, in all of its glory. . . untouched for two years. It’s spring and the desire to spend time outside with the family is blooming. An RV, boat and other recreational vehicle can be great tool to help create great family experiences. In […]

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Finding a Financial Advisor: 15 Questions to Ask a Financial Advisor Candidate [Podcast]

Wed, 02 Apr 2014 15:49:47 +0000

How do you find the right financial advisor for you and your family? In this special mid-week edition, host Roger Whitney gives you a framework for how to interview financial advisor candidates and 15 questions you should ask to help choose the right one. In this episode he covers: Why it is important to interview […]

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Do I Have Enough Money to Maintain My Lifestyle in Retirement? [Podcast]

Mon, 31 Mar 2014 18:51:22 +0000

This Week, Roger Whitney introduces a new service YOU ASK I ANSWER, where you can ask your retirement planning questions and receive a response. Then he begins to answer the question, will I have enough money to maintain my lifestyle during retirement? The first step to answering this question is to determine what your retirement lifestyle […]

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INVEST in Your Health: The Financial Benefits of Living Healthy in Retirement [Podcast]

Mon, 24 Mar 2014 20:07:06 +0000

You can download the report for free by clicking here. Investing in your health may be the best investment you can make to live well in retirement. The quality of your health can have major financial implications on your financial wellbeing in retirement in these three ways: Healthcare Costs – If you’re unhealthy, high healthcare costs can blow a […]

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Episode #3 Rethinking Amazon Prime & The Importance of the Emergency Fund [Podcast]

Mon, 17 Mar 2014 15:31:05 +0000

In this week’s PLAN WELL INVEST WISELY podcast, we talk about Amazon Prime’s recent price increase and how having a funded emergency fund helps you make smarter financial decisions. Rethinking Amazon Prime For those who don’t know, Amazon Prime is a membership program which gives members unlimited free two-day shipping on millions of items on […]

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#2: How to Use Your Net Worth Statement to Manage Your Financial Life [Podcast]

Tue, 11 Mar 2014 19:18:31 +0000

PLAN WELL INVEST WISELY Podcast Episode #2. Do you struggle to make financial decisions because you can’t get a handle on all the complexities of your life? In this episode’s PLAN WELL segment, I show you how to use a net worth statement to make more informed financial decisions. A net worth statement is an essential […]

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Episode #1 Creating an ICE Plan and 4 Reasons Why You Should Ignore Market Predictions [Podcast]

Tue, 04 Mar 2014 13:26:57 +0000

Welcome to PLAN WELL INVEST WISELY, the podcast dedicated to helping you make smarter financial decisions so you can live well today without sacrificing tomorrow. Each of these 30-minute weekly podcasts will be posted on Tuesdays. All the episodes will have two separate segments: 1) PLAN WELL – This segment will include basic financial planning concepts to […]

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