Americans May Be Claiming Social Security Too Early

"Just 10% plan to wait until age 70" to claim Social Security in retirement — and it's not because of a knowledge problem. 
We discuss this from...

In the IRMAA Trenches with IRMAA Certified Planner, Paul Morrison

Paul Morrison details how Medicare premiums, including the IRMAA surcharge, are inflating at a rate higher than Social Security COLAs. This disparity...

Are Super Savers Failing in Retirement? A conversation with Andy Panko

A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common strug...

Why Financial Independence is Overrated [Rebroadcast]

Nick Maggiulli's latest article in Of Dollars & Data challenges one of the core ideas that drives personal finance blogs, podcasts, and even some of o...

Spending Drops in Retirement, but Satisfaction Doesn't [Rebroadcast]

New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happine...

Who Has Actually Saved $1 Million for Retirement? [Rebroadcast]

Only 3% of Americans have saved $1 million for retirement. according to 24/7 Wall St. & AOL. I'll break down what that means—and why your personal num...

Five Key Retirement Challenges (and Solutions) [Rebroadcast]

Most people focus on saving for retirement, but what happens when you actually get there? Retirement isn't just about having enough money—it's about m...

Retirees Only Spend 2.1% Per Year [Rebroadcast]

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Many retirees enter their golden years with the goal of financial security, but what if the biggest risk isn't runni...

How to Spend More (or Less) in Retirement [Rebroadcast]

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Are you spending too little in retirement, worried you might outlive your savings? Many retirees struggle to strike...

2025: The Year of Donor Advised Funds?

Major charitable-giving changes are set to take effect next year under the One Big Beautiful Bill Act. As a result, 2025 may be the best—and possibly...

This Social Security Strategy Gives Retirees More to Spend

A new report says retirees who use a so-called "bridge strategy" can actually spend more and need fewer assets to retire securely.
That's right....

"One free lunch, please." Why Buffered ETFs might not fit the bill.

If something promises higher returns, it comes with higher risk — even if that risk isn't easy to see. And if something promises to protect your downs...

Why Advisors Should Never Recommend Social Security Claiming at 62

A few episodes ago, we covered Derek Tharp's research suggesting that not everyone should delay until 70 — especially those with shorter life expectan...

It’s so Simple…

Do lower-cost funds tend to outperform pricier ones over time?
Jeffrey Ptak analyzed fifteen years of performance data covering virtually every...

Cut Your Retirement Stress in Half (New Vanguard Study)

Vanguard Research put out a paper called "The Emotional and Time Value of Advice" (June 2025). 
It claims that there are "emotional benefits and...

Delay to 70? Not So Fast - The New Case for Claiming Early

Only about 4% of retirees actually wait until age 70 to claim Social Security, despite the financial benefits of delaying them.
This comes from...

Roth Conversions after One Big Beautiful Bill

Our retirement headline is from a ThinkAdvisor article titled "Ed Slott: Roth Conversions Are Trickier Under New Tax Law" by Melanie Waddell.
"W...

Collect Social Security Early & Invest in the Market?

Should I collect Social Security early & invest the proceeds into the stock market? This is the age-old question I see on a nearly daily basis in reti...

Insert Clickbait Title [Here]

Inflammatory headlines are "Clickbait", and I am not immune to falling for them.
"Social Security recipients set to face an $18,000 benefit cut...

Retirement Dreams or Retirement Nightmares? Lessons from Today’s Retirees

"Only 5% of retirees say they're living the dream and 19% are living the nightmare." says Deb Boyden in an article from Yahoo Finance. Deb provides th...

Why Your Old Spending Habits Won’t Work in Retirement

If you've saved more than a million dollars, that puts you ahead of 90% of your peers. Statistically, that makes you a super saver. But one of the big...

Don’t Let Your Brain Shrink Your Retirement Benefits

We're taking another look at one of retirement planning's sneakiest pitfalls — underestimating your own life expectancy.
We explore why smart pe...

Inside the new Tax Rules for Retirees

We're going inside the new tax rules for retirees. 
From a brand-new $6,000 deduction for seniors to major changes in how charitable giving is h...

Why Financial Independence is Overrated

Nick Maggiulli's latest article in Of Dollars & Data challenges one of the core ideas that drives personal finance blogs, podcasts, and even some of o...

The (F)Law of Averages

The (f)law of averages challenges a dangerous assumption we see far too often in retirement planning: The use of average life expectancy as a reliable...

Live on $2,972 monthly in an RV

Could heaven be an RV in a state park?
It is for Marian Barry, who became a traveling nurse after working in hospitals during the pandemic.

Spending Drops in Retirement, but Satisfaction Doesn't

New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happine...

One Big Beautiful Podcast Episode

There is a lot to cover in this episode, including new legislation that could impact your retirement.
Plus, 6 More Retirement Financial Myths to...

Mailed, Stolen and Cashed: a $114,000 Retirement Check

This week's headline reads like a financial horror story — and unfortunately, it's a true one. 😱
33-year-old Mr. Handy changed jobs and did wha...

Monetizing a Hobby in Retirement

According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key are...

Why Are So Many Retirees Filing for Social Security Early?

The Father of the 4% Rule - an Interview with Bill Bengen

If you've been anywhere close to a retirement podcast over the last 10-20 years, you've heard of the 4% rule. And like many people, you might have que...

Who Has Actually Saved $1 Million for Retirement?

Only 3% of Americans have saved $1 million for retirement. according to 24/7 Wall St. & AOL. I'll break down what that means—and why your personal num...

What to do with RMDs you don’t need

What do you do with RMDs you don't actually need?
If you're retired and over age 73 — or 75 if you were born in 1960 or later — you know the IRS...

10 Sources of Emergency Cash, Ranked From Best to Worst

What happens when your emergency cash runs dry—and life keeps happening? 
A recent article lays out a ranked list of ten ways to access emergenc...

Maximizing Memories With Money

"By the time your child turns 18, you've spent 95% of the time you'll ever spend with them in your lifetime."
This comes from research by the Am...

How Often Should I Rebalance in Retirement?

We're talking about rebalancing! Rebalancing is key to any retirement plan, but how often should we do it? That's the topic of today's retirement head...

Should We Move to Save $$$ on Taxes?

What are the perceived benefits of moving to a low-tax state in retirement? Is it all it's cracked up to be? 
We're gonna cover a Wall Street Jo...

9 Smart Moves to Make During Market Volatility

How do you stay calm and confident when the markets get messy? In today's Retirement Headlines we go through Cullen Roche's article from Discipline Fu...

When Does Sequence of Return Risk Go Away?

One of the biggest and often overlooked risks facing retirees is sequence-of-returns risk. The risk of experiencing investment losses early in retirem...