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Queer Money®: How Gay People Do Money

Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ+ industrial complex.

Listen and watch regularly to eliminate financial insecurity and generate personal wealth, prepare for a secure and fun retirement, find the most affordable, LGBTQ+-friendly cities in the US to live in or travel to, grow your stock portfolio to $1,000,000+, build a real estate empire and start a small business.

Your hosts are husbands and money experts David & John Auten-Schneider who have been the leaders in LGBTQ+ finance since 2015. With nine seasons, nearly 500 episodes, over a million downloads and features by Oprah, Advocate, Variety, CNBC and more, the award-winning Queer Money is the longest running show made by and for the LGBTQ+ community and is the only show solely dedicated to our financial well-being as gay people.

· For more financial information and helpful resources, visit queermoneypodcast.com
· For complementary charts and grafts (and pretty pictures), subscribe to Queer Money on YouTube @ https://www.youtube.com/@queermoney?sub_confirmation=1

Copyright: © All rights reserved

Latest Episodes:

Top Gay Retirement Cities in Costa Rica | Queer Money Ep. 610 Oct 07, 2025

Show notes

🌴 Costa Rica’s Top 5 LGBTQ+ Retirement Havens

Sunset cocktails, rainbow macaws, and a budget that doesn’t need CPR—Costa Rica’s Pura Vida isn’t just a postcard; it can be your retirement reality. In this week’s Queer Money®, we’re counting down the Top 5 Costa Rican towns for LGBTQ+ retirees—from the surf vibes of Tamarindo to the gay beach haven of Manuel Antonio.

We break down which areas offer the best mix of affordability, healthcare access, safety, and queer-friendly community, all while keeping the tropical dream alive. Whether you’re after cool mountain breezes or jungle-meets-ocean sunsets, Costa Rica has a place with your name (and rainbow flag) on it.

Takeaways:

Why Costa Rica is one of the most stable, eco-conscious, and LGBTQ-friendly countries in Central America
🏖️ 5 top towns ranked for livability, cost of living, and queer community vibes
💸 How much you’ll actually spend on rent and daily life (spoiler: 30–50% less than the U.S.)
🌈 Where to find the best nightlife, nature, and new queer neighbors
💡 How to use our Happy Gay Retirement Calculator to see if Costa Rica fits your fabulous future

Links referenced in this episode:

queermoneypodcast.com/cities

Mentioned in this episode:

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

Why We Play the Lottery and You Should Too | Queer Money Ep. 609 Sep 30, 2025

Show notes

Playing the lottery is just a tax on the poor, right? Wrong—at least for us. 🎰

In this episode, we flip the “lottery tax” trope on its head. No, we didn’t win Powerball (unless you count $6 and a gas station coffee). But by treating the lottery as a game for our values, we got crystal clear on what mattered most—and that’s how we built our plan for early retirement.

💡 Takeaways from this episode:

Why “lottery talk” is actually a powerful tool for aligning money with values.
How dreaming big (designer wardrobes, Audis, Palm Springs) led us to focus on what we really want—security, real estate, business growth, giving back.
How to use fantasy conversations to get your partner on the same money page.
Why clarity kills hedonic treadmill spending—and gets you closer to early retirement.
The secret: those “lottery dreams” are often more accessible today than you think.

🎧 Grab your free Happy Gay Retirement Calculator in the show notes and start designing your fabulous future—no lottery win required.

Mentioned in this episode:

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

Top 5 Cities in Greece for Gay Retirement | Queer Money Ep. 608 Sep 23, 2025

Show notes

Greece for Gay Retirees: Beaches, baklava, and a big ol’ ✅ on marriage equality. Opa!

We rank the Top 5 Greek cities/towns for gay retirement—balancing affordability with LGBTQ+ vibe—so you can swap doomscrolling for island sunsets without blowing the budget. Expect bars and beaches, Pride scenes, healthcare access, average 2-BR rent in USD, cost of living vs. the U.S., and our Queer Money Retirement Ratings (1–10).

💡 Takeaways:

Greece now has full marriage equality (2024)—hello, EU stability + rainbow rights.
Crete = best value (Heraklion/Chania) if you want beaches without Mykonos prices.
Athens wins for healthcare, community, and year-round living.
Island glam = seasonal pricing—plan accordingly.
A smart pick comes down to rent + COL + community fit—our ratings slightly overweight affordability.

👉 Want your own Opa-moment? Grab the FREE Happy Gay Retirement Calculator and see if Greece fits your fabulous.

👉 For our running city cards, visit https://queermoneypodcast.com/cities

Mentioned in this episode:

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

The $6,000 Annual Boomer Bonus | Queer Money Ep. 607 Sep 16, 2025

Show notes

The $6,000 “Boomer Bonus” – fabulous tax break or political glitter bomb?

Starting in 2025, Uncle Sam is dangling a shiny new $6,000 tax deduction for folks 65+, or $12,000 if you’re married. Sounds fabulous, right? Well… not so fast. In this episode, we unpack who actually benefits, how the phase-outs work, and why some in our community could see a nice boost—while others get stuck sipping house wine at The Abbey.

💡 Takeaways from this episode:

What the new $6,000/$12,000 retirement deduction really is (and isn’t).
The income phase-out ranges that shrink your bonus.
Real examples featuring single lesbians, married gay couples, and those bougie retirees with 1,000-thread count sheets.
Why this isn’t a fix for Social Security (and how Gen X might get shafted… again).
How to start planning so you keep more of your coins come retirement.

🎧 Whether you’d use $6,000 for bills, travel, or a new pair of red-bottoms, this episode breaks down what this boomer perk means for you.

Grab your Happy Gay Retirement Calculator for help starting your fabulous retirement plan.

Mentioned in this episode:

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

Top 5 Gay Retirement Cities in Thailand | Queer Money Ep. 606 Sep 09, 2025

Show notes

Pack your sarongs and sunscreen, hunty—Queer Money is headed to Thailand! 🌴💅

In this episode, we spill the (Thai iced) tea on the top 5 cities where gay retirees can stretch their dollars, enjoy top-notch healthcare, and live fabulously ever after. From Phuket’s beaches and Bangkok’s big-city energy to Chiang Mai’s cultural calm, we’re serving the Queer Money Retirement Ratings you’ve been waiting for.

And honey—did we mention Thailand is now the first country in Southeast Asia with marriage equality? ✨ That’s not just fabulous, that’s historic. Whether you want island vibes, royal golf resorts, or drag queens at The Stranger Bar, there’s a Thai city with your name on it.

✨ Takeaways from this episode:

💍 Thailand is the first Southeast Asian country with marriage equality (2025).
🌈 LGBTQ+ life is thriving: Pride in Bangkok, Chiang Mai, Pattaya & more.
🏥 World-class healthcare, with English-speaking hospitals that cater to expats.
💸 Retiree-friendly visas—including a classic non-immigrant retirement visa (50+) and a digital nomad option.
📉 Living costs are 36–60% lower than in the U.S.—yes, even in Bangkok!

👉 Which Thai city would you choose? Tell us in the comments!

👉 Want to see more of the cities and countries we've covered? Find details here: https://queerMoneyPodcast.com/cities

🌈 Grab the Happy Gay Retirement Calculator and start mapping your fabulous plan.

Mentioned in this episode:

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

How We’re Able to Retire in Our Early 50s | Queer Money Ep. 605 Sep 02, 2025

Show notes

We're Retired Girls! Kinda...

We did it, queens—we retired early! 💅 At 51 and 54, we’re not sipping martinis on a trust fund (spoiler: one of us was disowned and disinherited 👀). We didn’t have cushy six-figure salaries either. Nope, we made some smart (and sometimes messy) money moves, and now those IRA checks are rolling in.

In this episode, we spill the nitty gritty on how we turned basement living, pigeon-poop cleaning, and a Mini Cooper obsession into a million-dollar retirement portfolio. From avoiding the 2008 housing disaster to buying Apple stock when everyone else was just buying iPods, we’re breaking down the real tea on what worked—and what didn’t.

If you’ve ever thought early retirement was only for the ultra-rich, think again. Tune in, laugh with us, and maybe pick up a few fabulous strategies for your own retirement journey.

Top Takeaways

Buy the right size (for life and budget) → frees cash to invest.
Kill lifestyle creep after paying off debt → redirect $1K+/mo to retirement.
Invest consistently (especially in downturns) → time in market > timing.
Complete the pyramid: stocks + income real estate + small business.
Use a cash buffer (e.g., money market) to smooth withdrawals.
72(t) strategy can unlock IRAs early—plan it carefully.

👇 Grab the Happy Gay Retirement Calculator and start mapping your fabulous plan.

Mentioned in this episode:

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

Top 5 Cities in Malta for Gay Retirees | Queer Money Ep. 604 Aug 26, 2025

Show notes

Best Places in Malta for LGBTQ+ Retirement

Palm Springs is cute, but what if your retirement backdrop was honey-colored cliffs, café culture, and 300 days of Mediterranean sunshine?

By popular demand, we’re spilling the limoncello on Malta—a tiny archipelago that’s big on LGBTQ+ rights (ranked #1 in Europe!) and just might be your queer retirement fantasy. From Pride parades in Valletta to drag brunches at Café del Mar, Malta offers more than just Game of Thrones vibes and tax shelters for Crypto Bros.

In this episode, we:

🌈 Count down the Top 5 cities & towns in Malta for LGBTQ+ retirees.

🌈 Reveal the Queer Money Retirement Rating for each spot.

🌈 Dish the perks, downsides, and local gay flavor you need to know before booking that one-way ticket.

💎 Grab your free Happy Gay Retirement Calculator and start plotting your sunny, queer Mediterranean escape here: https://queermoneypodcast.com/hgrcalc

🎉 Takeaways from this episode:

Malta is 20–35% cheaper than the U.S.—but still pricier than much of Southern Europe.
LGBTQ+ rights here are 🔝 in Europe. You’ll feel safe and celebrated.
Each city has its vibe: nightlife, culture, chill, or everyday queer density—pick your flavor.
Downsides: heat, water scarcity, high rents in hotspots, and healthcare limitations.
Overall: Malta shines bright with a Queer Money Retirement Rating of 8–9/10.

👉 Share in the comments: Which Maltese city feels like your retirement vibe?

👉 Don’t forget to Like, Subscribe, and ring the bell—Thailand is up next in our international gay retirement series!

Mentioned in this episode:

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Tariffs, Tea, & Tenacity: Why the Stock Market’s Still Surging | Queer Money Ep. 603 Aug 19, 2025

Show notes

Why Hasn’t the Economy Crashed Yet?

The U.S. stock market is still tossing confetti like it’s Pride, despite Trump’s tariff tantrums and everyone waiting for the other (designer) shoe to drop. GDP’s up, inflation’s creeping, and the consumer is “resilient” (aka drowning in credit). So what gives?

We’re diving into:

Why the GDP looks sparkly on the surface (hint: imports are the messy drag wig underneath).
How Trump’s on-again, off-again tariff “taco trading” makes economists feel like they’re cooking dinner with their stove knobs hijacked.
Why Big Tech and index funds are propping up Wall Street while Main Street feels the pinch.
What’s really hiding behind “consumer resilience” and why your credit card company is the only one clapping.

💸 Don’t get blinded by the glitter—learn what’s really fueling this market and what it means for your wallet and your retirement plans.

👉 Grab your free Happy Gay Retirement Calculator today and start planning your fabulous future here: https://queermoneypodcast.com/hgrcalc

🎉 Takeaways for you:

GDP isn’t as fabulous as it looks—imports just stopped weighing it down.
Inflation’s creeping in (yes, even your coffee noticed).
Big Tech’s billions and index funds are the sparkle behind the stock market.
“Resilient” consumers = maxed-out credit cards. Don’t get fooled.
Now’s the time to stack cash smartly and plan ahead—before the glitter fallout.

Mentioned in this episode:

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Top 5 Gay-Friendly Places in Ireland to Retire | Queer Money Ep. 602 Aug 12, 2025

Show notes

Ireland’s Top 5 LGBTQ+ Retirement Hotspots

From drag brunches in Galway to seaside strolls in Wexford, we’re serving up Ireland’s Top 5 LGBTQ+ Retirement Hotspots—ranked by affordability, community, and those oh-so-important queer perks. 🇮🇪✨

This isn’t just a travel fantasy; it’s the gay retiree’s cheat sheet to stretching your pot of gold without sacrificing charm, safety, or a dash of fabulousness. Whether you want artsy coastal vibes, Dublin-adjacent nightlife without Dublin’s rainbow-rent, or a laid-back West Cork foodie scene, we’ve got the tea. And yes, we’re weighing cost of living more than clubbing, because at this stage, your bank account deserves as much love as your social calendar.

Grab a Guinness, pull up your wellies, and let’s find your Irish happily-ever-after (rainy days included).

📌 What You’ll Learn in This Episode:

The five most fabulous, affordable Irish towns for LGBTQ+ retirees
Which places are safe & welcoming vs. which will make you cry into your pint
Why affordability beats nightlife when you’re living your best retired life
The queer perks you didn’t know you needed: opera festivals, cliff walks & swimming pride parades
Why Dublin & Cork didn’t make the cut (don’t @ us, it’s about your wallet)

💡 Takeaways:

Limerick – Affordable, low-key, with a Pride swim parade. Queer Money Retirement Rating: 7.5/10.
Clonakilty – Coastal, cultural, and community-driven. 8/10.
Wexford – Artsy, beachy, ferry to Europe. 8/10.
Howth – Sea cliffs, seafood, & Dublin access without the rainbow rent. 9/10.
Greater Galway Bay – Drag brunches, vibrant queer scene, airport nearby. 9.5/10.

Mentioned in this episode:

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

The Wild Cost of Renouncing Your U.S. Citizenship | Queer Money Ep. 601 Aug 05, 2025

Show notes

Thinking of say "Bye Gurl" the U.S.?

Madonna’s divorce was expensive—but renouncing your U.S. citizenship could cost you even more 💸. In this episode of Queer Money®, we’re spilling the tea on the exit tax—what it is, who gets smacked, and how to not get wrecked by it.

So before you grab your passport and peace out to Portugal, know what Uncle Sam (aka Daddy Taxman) wants from you first. Because freedom ain’t free, darling—especially when the IRS is involved.

✅ Key Takeaways Checklist:

🇺🇸 The Exit Tax Is Real – Officially called the Expatriation Tax, it hits folks who renounce U.S. citizenship and meet specific criteria.

⚠️ You may be a "covered expatriate" if:

Your net worth is $2 million+
Your average income tax over the last 5 years is $206,000+ (2025 estimate)
You haven’t filed or paid taxes for the past 5 years
👉 Green card holders may be subject if they’ve held one for 8 of the last 15 years

🏡 What gets taxed:

Your home
Investments
Retirement accounts (401(k), IRAs)
Even Taylor Swift merch 👀
→ The IRS pretends you sold it all and taxes your phantom capital gains.
💰 2024 exemption: First $821,000 in phantom gains is tax-free—but that’s not much if your home doubled in value since 1995.
🧓 Even in retirement (or death):
Rental income or property sales could still be taxed
Your heirs could owe gift or estate tax (up to 40%)
Welcome to the Foreign Investment in Real Property Tax Act—thanks, Reagan!

🧠 Ways to plan ahead:

Donate appreciated assets (to LGBTQ+ orgs = win-win!)
Max Roth conversions now
Relocate abroad early, reduce assets before renouncing
Review international tax treaties for potential protection
🧾 Must file IRS Form 8854 – Whether you qualify for the tax or not, this is your official “I broke up with America” form.
💡 Talk to a pro: This is niche tax law. H&R Block ain’t it. Find someone who knows international tax strategy.

Start here:

🎁 Grab your free Happy Gay Retirement Calculator here: https://queermoneypodcast.com/hgrcalc

Mentioned in this episode:

It's time to create your retirement abroad plan

What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information.

Get Your Portugal Golden Visa Here!

Optimize August Ad 2

With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information.

Get Your Portugal Golden Visa Here!

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