Stay Wealthy Retirement Podcast

Small Cap Value (Part 3): How to Choose the Right Fund and Take Action Oct 10, 2024

Today, I'm sharing how retirement investors can take action in this final episode of our Small Cap Value series.

Specifically, I’m discussing three things:

➤ Why paying MORE for an investment can pay off

➤ How to easily and properly evaluate different funds

➤ What small-cap value funds to consider

I’m also sharing two important reminders before taking action and investing in this popular asset class.

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***

EPISODE RESOURCES:

Small Cap Value (Part 2): How to Reduce Risk + Improve Returns Sep 26, 2024

Today, I’m diving into part two of our Small Cap Value investing series.

Specifically, I’m addressing three big questions:

➤ How do small-cap value stocks reduce risk + improve returns

➤ What criteria does an investment need to meet to be included in a portfolio

➤ Why value investing is still alive and well

While there is no shortage of research in favor of this dominant asset class...

...I’m also sharing why investors don’t necessarily need small-cap value stocks to reach their retirement goals.

***

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***

EPISODE RESOURCES:

Small Cap Value (Part 1): Is This Popular Strategy Dead? Sep 12, 2024

Today I’m kicking off a two-part series on Small Cap Value investing.

Specifically, I’m addressing three big questions:

➤ What exactly are small-cap value stocks?

➤ Why have small-cap value stocks, historically, outperformed most major asset classes?

➤ Does the recent 20-year underperformance suggest that the strategy is dead and won’t work in the future?

I’m also sharing critical differences between small-cap value funds + how to take action if you want to include this asset class in your portfolio.

***

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***

EPISODE RESOURCES:

Retirement, Taxes, and Investment Underperformance Aug 29, 2024

Today, I'm sharing key takeaways from three of the BEST retirement articles I read this month.

1️⃣ The first article is about the future of taxes in this country and specifically makes a strong case for why they will be higher.

2️⃣ The second reveals why investors missed out on 15% of investment returns over the last decade. 😳

3️⃣ Lastly, the third article is a real-life account of what it actually feels like to transition from the working world into retirement.

Didn’t get a chance to read everything that was published last month?

Don’t worry—I’ve got you covered!

***

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You'll also receive my weekly retirement newsletter!

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***

EPISODE RESOURCES:

5 Surprising Investing Facts That You've (Probably) Never Heard Aug 15, 2024

Today, I’m sharing FIVE surprising statistics about the economy, markets, and retirement.

For example, one stat highlights a "stock market indicator" that has a 100% success rate 😳

Another emphasizes a growing insurance risk that everyone needs to protect against.

Along with being entertaining, these stats bring important investing and planning topics to the surface.

They also serve as important reminders.

If you’re ready to have some fun learning about the history of the markets and little-known investing facts, this episode is for you.

***

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***

EPISODE RESOURCES:

Roth Conversions for Kids, Home Equity in Retirement, Pension vs. Lump-Sum (And More!) Jul 31, 2024

Are you ready to get answers to some BIG retirement questions?

Questions such as:

➤ What role does the equity in my home play in my retirement plan?

➤ Why should I do Roth conversions to help mitigate taxes on my kids' inheritance?

➤ Are closed-end funds a good investment?

➤ How do I properly evaluate pension vs. lump-sum decisions?

Today on the show, I’m answering these questions (and more!) with my good friend, Roger Whitney.

I'm also providing an update on the Retirement Podcast Network after taking a hint from 1,000+ retirement savers.

***

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***

EPISODE RESOURCES:

5 Strategies to Take Control of Your Required Minimum Distributions (RMDs) Jul 18, 2024

Required Minimum Distributions (RMDs) begin at age 73 for most retirement savers.

These forced withdrawals can be a burden for those who don't need (or want) the taxable income.

Since they are “required,” many assume that they don't have any control over their RMDs.

But that’s not necessarily the case.

In fact, one of the 5 strategies I'm sharing with you today allows you to delay unwanted (mandatory) distributions well past age 73 😳

Applying these strategies and gaining control of your RMDs can potentially help you:

➤ Lower lifetime taxes

➤ Reduce catastrophic risks

➤ Improve risk-adjusted investment returns

It doesn't matter if you're still working or already taking RMDs—if you want to optimize your long-term plan, you'll enjoy today's episode.

***

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You'll also receive my weekly retirement newsletter :)

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***

EPISODE RESOURCES:

Dividend Investing (Part 4): Answering Top Listener Questions Jun 27, 2024

In the final episode of this series, I'm answering the BEST listener questions I've received about dividend investing.

Questions such as:

➤ If dividend investing is NOT a great way to create retirement income, what is?

➤ What dividend-focused funds should investors consider if they insist on investing for yield?

➤ What is the counterargument for stock buybacks? Why are some people against them?

Tune in to hear my answers to these great questions!

FREE RETIREMENT PLANNING RESOURCES:

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***

EPISODE RESOURCES:

Dividend Investing (Part 3): A More "Flexible" Dividend Strategy Jun 06, 2024

In today's episode, I'm sharing everything you need to know about stock buybacks.

Specifically, I'm sharing:

➤ Why stock buybacks are referred to as a "flexible" dividend

➤ What a stock buyback is (and how it works)

➤ How stock buybacks are more tax-friendly than traditional dividends

If you want to learn more about this increasingly popular "flexible dividend" strategy, you'll enjoy this episode.

FREE RETIREMENT PLANNING RESOURCES:

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You'll also receive my weekly retirement newsletter.

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***

EPISODE RESOURCES:

Dividend Investing (Part 2): Three Reasons Why Dividend Strategies Underperform May 22, 2024

Today I'm continuing our multi-part series on Dividend Investing.

Specifically, in part two, I’m sharing:

➤ What the long-term performance has been for dividend-focused funds

➤ Why popular dividend investing charts can be incomplete (or misleading)

➤ The 3 primary reasons dividend strategies typically underperform

If you want to learn more about dividend investing and why it may not be the magical solution it's often marketed as, you'll enjoy this episode.

***

FREE RETIREMENT PLANNING RESOURCES:

Subscribe to the Stay Wealthy Retirement Newsletter!

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You'll also receive my weekly retirement newsletter.

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***

EPISODE RESOURCES:

Dividend Investing (Part 1): Making Money While You Sleep May 09, 2024

Today I'm kicking off a multi-part series on Dividend Investing.

While dividends are a normal occurrence in the global markets, their role in a retirement portfolio is often misunderstood.

➤ What is a dividend, and why do some companies pay them?

➤ How do they affect an investor's return?

➤ Where do dividends fit in the portfolio construction process?

➤ What are the little-known problems with this investment strategy?

➤ And what does my upcoming birthday have to do with dividends? 🥳

I'm covering all of these questions (and more!) in this investing series.

***

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You'll also receive my weekly retirement newsletter :)

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***

EPISODE RESOURCES:

How to Protect Yourself From Financial Scams (+ New Resources) Apr 25, 2024

Today I'm sharing a story about a couple who lost $2 million to an investment scam.

I'm also sharing (new!) resources to help protect your personal data in 2024.

Financial scams are getting more sophisticated and losses are skyrocketing.

In fact, last year, Americans lost $10 billion to financial scams.

That’s $1 billion more than 2022, and is the highest-ever reported annual loss in FTC history.

Everyone is at risk.

And everyone needs to regularly take proactive steps to stay safe.

Tune in to learn more.

***

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***

EPISODE RESOURCES:

The Best Retirement Account, Making Investment Changes, and More! Apr 03, 2024

There is no shortage of questions when it comes to navigating and planning for retirement.

➤ How much do I need to save?

➤ How do I optimize my tax bill and avoid overpaying the IRS?

➤ When do I take Social Security?

➤ What should I invest in? (And what should I avoid?!)

The list goes on.

And while you’ve likely read (or heard) helpful answers to most of the big questions, it never hurts to revisit them or get a different perspective.

In fact, some studies suggest that it can take hearing something 7 times before you retain it 🤯

Today on the show, I’m answering listener questions with the Retirement Answer Man himself, Roger Whitney.

Questions like, “What account type is the best retirement account type to fund after you’ve reached your savings goals?”

And, “What’s the best process for making important changes to your investments after learning you aren't invested properly?”

If you want to hear our answers to these great questions (and more!), you’ll enjoy this episode.

***

FREE RETIREMENT PLANNING RESOURCES:

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You'll also receive my weekly retirement newsletter :)

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***

EPISODE RESOURCES:

Inflation: Why Does Everything (Still) Feel So Expensive? Mar 21, 2024

Inflation hit a 40-year high of 9.1% in June 2022.

Today, inflation is hovering around 3%.

If inflation is back in line with long-term historical averages, why does everything still feel so expensive?

When voters were asked what they would most like to see improved in our economy...

...why did 64% of them say "lower prices?"

In this episode, I'm digging into the current state of inflation, why prices still feel high, and where inflation might be headed.

I'm also sharing tactics for how to successfully navigate challenging time periods.

If, like most retirement savers, things still feel outrageously expensive to you, you're going to enjoy this episode.

***

RETIREMENT & TAX PLANNING TOOLS:

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***

EPISODE RESOURCES:

Roth Conversions and the 5-Year Rule (Explained!) Mar 07, 2024

Want an easy way to learn how the "Roth 5-Year Rule" affects your unique situation?

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***

TODAY'S EPISODE:

The "Trump-era tax cuts" are set to expire in 2026.

In other words, retirement savers only have two more years to take advantage of today's lower tax rates.

One of the popular strategies to do this is through (aggressive) Roth conversions.

As a result, I’ve had more questions than ever about the wildly confusing “Roth IRA 5-year rule"...

...specifically as it relates to Roth conversions.

To help simplify this rule, I'm sharing TWO simple questions you can answer to understand how the rule works.

I'm also sharing several real-life examples + my thoughts on what an election year might mean for the Tax Cuts and Jobs Act (TCJA).

***

EPISODE RESOURCES:

4 (Little-Known) Retirement Planning Misconceptions Feb 21, 2024

Today I'm talking through four (rarely-discussed) retirement planning misconceptions.

In fact, some of these misconceptions might not be misconceptions at all...

...they might be concepts that you've never even considered!

For example, is retirement planning a complex problem OR a complicated problem? (And why does it matter?)

And, should you develop a retirement plan from the outside in OR the inside out?

To help answer these important questions, I'm joined by Roger Whitney, host of the Retirement Answer Man podcast.

Along with being a great person and expert retirement planner, Roger is also a deep, critical thinker who will definitely get your wheels turning in this episode.

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EPISODE RESOURCES:

How to Invest During an Election Year Feb 08, 2024

It's an election year.

As a result, many retirement investors believe that the market MUST be in for a wild ride.

But is that true?

Over the last 100 years, how have markets behaved during election years?

What have been the best and worst returns?

How has the market performed during every 4-year presidential term since 1929?

And is it "different this time?"

To help retirement savers invest wisely during this period of heightened uncertainty, I'm answering these questions (and more).

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EPISODE RESOURCES:

Why We Need to Stop Talking About “Paying Off the National Debt” Jan 25, 2024

The U.S. national debt recently crossed $34 trillion.

Without causing some serious pain, paying off this debt is nearly impossible to do.

We would have to dramatically cut spending in some VERY important areas, increase taxes, or both.

This debacle has led many to label this situation as catastrophic...

...as a "building that we’re stuck in that will need to collapse on us before we can leave."

But is it really as bad as some make it out to be?

Is $34 trillion of debt truly an issue?

Should we really be focused on paying down (or paying off) this debt?

To help answer these questions and shed light on this complex topic, I'm joined today by Cullen Roche, monetary economic expert and CIO of Discipline Funds.

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EPISODE RESOURCES:

How to Evaluate (and Choose) a Financial Advisor Jan 11, 2024

With over 300,000 in the U.S., finding a financial advisor is easy.

On the other hand, properly evaluating an advisor AND choosing the right expert to help with your unique needs is a challenging task.

To help, I'm providing an actionable framework for evaluating financial advisors in this episode.

I'm also sharing 3 critical things everyone should consider before entering into a new advisory relationship.

It doesn’t matter if you are looking for short-term help or a long-term relationship...if you're considering a financial advisor this year, you'll enjoy this episode.

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-----

EPISODE RESOURCES:

2024 Market Outlook: Why We Should Prepare for a Crash Jan 04, 2024

Today I'm talking about stock market predictions.

Specifically, I'm sharing:

‣ What happened in the markets in 2023

‣ What may lie ahead for us in 2024

‣ Why we should prepare for the biggest crash of our lifetime

I'm also sharing an exciting announcement that will directly benefit you! 😊

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-----

EPISODE RESOURCES:

4 Retirement and Tax Planning Updates for 2024 Dec 21, 2023

Today I’m sharing 4 (important!) retirement and tax planning updates for 2024.

I'm also sharing my freshly updated two-page tax cheatsheet 😊

One listener recently said:

"This is the best two-page cheat sheet that I've seen! I do a lot of planning around taxes, IRMAA's, etc., and it is very helpful."

If you’re wrapping up your year-end planning + starting to think about 2024 and beyond, you’ll enjoy today’s episode.

RETIREMENT & TAX PLANNING RESOURCES:

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EPISODE RESOURCES:

Is Tax-Loss Harvesting Worth It? Dec 14, 2023

Year-end is a popular time for tax planning strategies.

Roth conversions. Charitable gifts. Squeezing in those final tax-deductible contributions.

And, of course, the crowd favorite...good ol’ tax-loss harvesting!

‣ Who should consider tax-loss harvesting (and who should stay away from it)?

‣ How can you increase the benefit of tax-loss harvesting?

‣ When can harvesting losses backfire?

If you're a retirement saver wanting to learn more about this popular tax strategy, you'll love today's episode.

***

Click here to view the 2024 IRMAA brackets and learn how to avoid this surcharge.

3 Big Medicare Pitfalls to Avoid (In 2024) Nov 30, 2023

Navigating the Medicare world is confusing and challenging.

As a result, many retirees make Medicare decisions without clearly understanding the long-term implications.

Long-term implications that, in worst-case scenarios, can put a retirement plan in jeopardy.

To help you avoid making costly Medicare mistakes, I'm sharing three (3) big pitfalls to avoid in this episode.

If you want to brush up on your Medicare knowledge before turning 65—or you're looking to change your current Medicare plan—you'll love today’s episode.

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NAVIGATING IRMAA (2024 UPDATED)

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EPISODE RESOURCES:

Part 2: What the %@#! Is Happening to Bonds Nov 08, 2023

In part two of my series on bonds, I'm tackling three BIG questions:

1.) With cash yielding 5%, does it make sense to use money market funds (or t-bill) as a bond alternative?

2.) What should investors do if they own the wrong bonds and need to make changes?

3.) Does the current landscape shift how retirement investors should approach bonds going forward?

If you're ready to dive deep into the research to understand this asset class better, you'll love this episode.

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EPISODE RESOURCES:

Part 1: What the %@#! Is Happening to Bonds Oct 26, 2023

Bonds are down 20%+ over the past three years.

Meanwhile, riskier asset classes (like U.S. stocks) are UP ~30% during the same period.

‣ What the %@#! is happening to bonds right now?

‣ Why are safe asset classes down double digits while risky asset classes scream upward?

‣ Should retirement investors consider changes?

‣ Are money market funds and CDs a better solution than bond funds?

‣ And what might all of this mean for the future of bond investing?

I'm answering these questions (and more!) in this 2-part series on bonds.

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---

EPISODE RESOURCES:

9 Fun (and Useful!) Facts About Investing & Retirement Oct 19, 2023

Today I'm sharing nine fun facts about the economy, markets, and retirement.

Along with being entertaining, these facts bring important planning topics to the surface.

They also help to address and answer common questions.

For example:

‣ How correlated is the economy to the stock market?

‣ What are the actual odds of a catastrophic long-term care event?

‣ Should average life expectancy assumptions be used in retirement projections?

If you're ready to have some fun learning about the history of the markets and little-known facts about investing, this episode is for you.

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---

EPISODE RESOURCES:

Credit Freeze: Top 5 (Listener!) Questions Answered Oct 04, 2023

Everyone should freeze their credit.

But most retirement savers I talk to have not tackled this simple (and free!) task.

After commenting briefly about credit freezes in an episode last month, I've received dozens of GREAT questions from listeners.

Questions like...

‣ Should minor children freeze their credit even if they don't have a credit score?

‣ After freezing with the "big three" (Equifax, Transunion, Experian), what other agencies should I freeze my credit with?

‣ How will freezing my credit affect my credit score?

...and more!

Tune in to get answers to these questions and learn more about this critical financial planning task that continues to be overlooked.

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---

EPISODE RESOURCES:

📖 How to Freeze Your Credit (Step-by-Step)

What the Media Won't Tell You About Inflation Sep 27, 2023

Last June, inflation hit a 40-year high of 9.1%.

Since then, it’s been falling month over month, hitting 3.2% in July of this year.

The Fed’s aggressive rate hikes seemed to be doing their job, and their 2% inflation target appeared to be in sight.

But then, the August CPI report came out a few weeks ago...

...and we saw inflation spike, jumping up to 3.7%.

What happened? Where does inflation go from here? And should we be worried about this recent uptick?

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---

EPISODE RESOURCES:

The Behavior Gap: How Retirement Investors Can Avoid It Sep 14, 2023

Year after year, investors underperform the funds they invest in by almost 2%. 🤯

Not because of fees or taxes...but because of poorly-timed investing decisions.

In today's episode, I'm sharing the results of this year's "Mind the Gap" study from Morningstar.

I'm also sharing:

‣ The asset classes with the highest and lowest behavior gap over the last 10 years

‣ The relationship between volatility and investing returns

‣ Three things retirement investors can do to earn more of the returns generated by their investments

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---

EPISODE RESOURCES:

3 Financial Scams to Watch Out For in 2023 Sep 06, 2023

Consumers reported losing nearly $9 billion to fraud in 2022 — a 30% increase from the year prior.

And those are just the incidents that are reported.

In fact, some reports suggest that the ACTUAL amount is closer to $40 billion!

One thing every report seems to agree on is that scams are becoming more prevalent and more sophisticated.

So to help protect retirement investors from becoming victims, today I'm sharing the three financial scams to watch out for.

I'm also sharing how you can protect yourself (and your loved ones) from each scam.

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---

EPISODE RESOURCES:

Listener Q&A: Early Retirement Pitfalls, Best Index Funds to Invest In, and More! Aug 30, 2023

In this episode, we're answering listener questions!

Specifically, guest host Jeremy Schneider is answering questions like:

What are the best index funds to invest in
How do you access retirement money early
What are the little-known pitfalls of early retirement

Jeremy also shares important tips on transferring money from old investment accounts.

If you want to get answers to these great questions (and hear from a surprise guest who snuck their way in!), this episode is for you.

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---

EPISODE RESOURCES:

Why You Shouldn't Care About Your Credit Score Aug 23, 2023

Almost every day, I (guest host Jeremy Schneider) hear someone mention their credit score.

After being in school our entire young lives, we must all crave for someone to give us another grade.

And when the ol’ FICO corporation is slapping a big number on all of us...

...we excitedly spend every waking moment trying to improve (or maintain) it.

But here’s the problem: Focusing on your credit score is a TERRIBLE way to win with money.

You’re putting your energy towards precisely the wrong thing.

In today's episode, I'm sharing why you shouldn't care about your credit score + what you should be focusing on instead!

WANT MORE RETIREMENT PLANNING TIPS?

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***

EPISODE RESOURCES:

Backdoor Roth IRA: What It Is, Pros + Cons, and How to Execute Aug 16, 2023

Today we're talking about the Backdoor Roth IRA.

Specifically, guest host Jeremy Schneider is sharing:

What the Backdoor Roth IRA strategy is
Why you should (or shouldn't) pursue it
How to execute it the right way

If you're interested in learning more about this unique strategy for getting more money into a Roth IRA, this episode is for you.

***

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***

EPISODE RESOURCES:

How to Prepare Loved Ones for When You Die Aug 09, 2023

If YOU were to unexpectedly die tomorrow, would your loved ones know how to access your information?

Your bank accounts? Insurance policies? Debts? Access to your home and car? Your devices?

Approximately 2/3 of Americans don't have any estate planning documents!

To help you avoid leaving a financial mess behind, guest host Jeremy Schneider is sharing how he's PERSONALLY prepared his family for an untimely death.

Specifically, he's sharing:

➡ What information and documents he has gathered

➡ Where and how he (securely) stores it

➡ His process for keeping everything updated

If you need actionable ideas (and motivation!) to tackle this critical planning task, today's episode is for you.

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***

EPISODE RESOURCES:

A New (and Simple!) Strategy to Boost Retirement Income Aug 02, 2023

Today I'm discussing a new retirement withdrawal strategy.

The strategy is simple + allows retirees to (safely) spend more money than the 4% rule.

It also protects against one of the biggest threats to retirement—Sequence Risk!

If you want to avoid leaving behind a mattress full of money and learn about a simpler approach to boosting retirement income, you'll enjoy today's episode.

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***

EPISODE RESOURCES:

The Best Investment Jul 26, 2023

What separates a good investment from a bad one?

How do you evaluate different investment options?

Why are some very well-known metrics flawed and problematic?

I'm answering these questions + sharing a personal story that caused me to change my approach when giving opinions about different asset classes.

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***

EPISODE RESOURCES:

3 (More) Reasons NOT to Do Roth Conversions Jul 12, 2023

Last year, I published an episode titled, 5 Reasons Not to Do a Roth Conversion.

The 5 reasons shared were:

1️⃣ - Shadow taxes

2️⃣ - No undo button

3️⃣ - Lack of cash flow to pay the tax bill

4️⃣ - You just don’t want to :)

5️⃣ - Future charitable giving goals

Today I'm sharing three (more) reasons not to convert + why it might be ok to leave money in your pre-tax IRA.

Roth conversions can be a wildly beneficial tax planning move for the right person...

...but they aren't a "no-brainer" for everyone.

If you want to learn more about situations when converting money to a Roth IRA does NOT make sense, today's episode is for you.

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***

EPISODE RESOURCES:

Why Cash Is Not a Great Investment (Even With a 5% Yield!) Jun 21, 2023

"Cash is king."

But is it a great investment?

Historically, investors have built up dry powder to fund emergencies or survive market downturns.

But with cash now yielding close to 5%...

...many investors are viewing cash as a way to make money.

Today I'm sharing why cash — even at today's rates — is a bad investment.

I'm also sharing how much cash a retirement investor should consider holding.

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***

EPISODE RESOURCES:

International Stocks: 3 Reasons Why Retirement Investors Should Own Them Jun 07, 2023

For the last 53 years, U.S. stocks have significantly outperformed international stocks.

(It's not even close.)

As a result, many retirement investors are left wondering if they should own this asset class.

Today I'm sharing why owning international stocks over the last 5 decades -- despite the disappointing track record -- was actually a smart decision.

I’m also sharing why owning international stocks for the next 50 years and beyond is likely a wise decision, too.

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***

EPISODE RESOURCES:

Phil-in the Gaps: Why Alternative Investments Belong in Your Retirement Portfolio May 03, 2023

Today I'm joined by Phil Huber, Chief Investment Officer at Savant Wealth Management.

Phil joins me to take the other side of the alternative investment debate and shares three big insights:

1.) What exactly defines an "alternative investment"

2.) Why traditional stock/bond portfolios will be challenged in the years ahead

3.) How alternatives can help to reduce risk and improve investment returns

He also addresses common misconceptions about this complex asset class.

If you're looking to expand your investment knowledge and learn how alternatives might enhance your retirement portfolio, this episode is for you.

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***

EPISODE RESOURCES:

The Bond Market is Flashing a Recession Warning Apr 26, 2023

Today I'm talking about the bond market.

Specifically, what it's currently telling us about where the economy might be headed.

In fact, we've never seen bond yields sound the recession alarm this loudly. 🚨

But, how reliable is the bond market?

What does this "recession warning" mean for retirement savers?

And how might the current environment impact investment decisions?

I'm answering these questions (and more) in this episode!

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***

EPISODE RESOURCES:

📘 Check Out the More Than Money Book

Why You Shouldn't Be Surprised By Your Investment Returns Apr 05, 2023

Today we're talking about expectations vs reality.

To help, I’m joined by Rubin Miller, founder and CIO of Peltoma Capital.

Rubin and I talk about three BIG things:

Why chess players don’t make great investors
How retirement savers should think about their current and future investment returns
What investment assumptions should be used when running retirement planning projections

We also talk about "risk-free" investments, the hidden dangers of an investor's time horizon, and growth vs value stocks.

If you want to learn how to be a successful investor + how we can use evidence to make informed retirement planning decisions, today’s episode is for you.

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***

EPISODE RESOURCES:

📘 Grab Your Copy of the More Than Money Book

The Banking Crisis: 3 Things Retirement Investors Need to Know Mar 29, 2023

Today I'm talking about the current banking crisis.

Why?

Silicon Valley Bank and Signature Bank were the 2nd and 3rd largest bank failures in history.

In addition to explaining how we got here + why these banks collapsed...

...I'm answering three (3) important questions that retirement investors are asking.

If you're ready to understand what this banking debacle means and what to do in response, today's episode is for you!

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***

EPISODE RESOURCES:

📘 More Than Money is Available Everywhere!

Two (Real Life) Retirement Planning Case Studies Mar 22, 2023

*** More Than Money is officially out! Click here to grab your copy now. ***

(All net proceeds being donated to non-profit organizations dedicated to improving financial literacy and diversity in the profession.)

---

Today I’m sharing my recent conversation with Joe Saul-Sehy from Stacking Benjamins.

Together, Joe and I break down two real-life case studies from my (just released!) book, More Than Money.

We cover:

Why the "making work optional" exercise is so empowering
How to have constructive money conversations
How a widow overcame the newfound challenge of managing the finances

We also talk about retirement planning misconceptions, how my wife and I track our expenses (😲), and more!

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***

EPISODE RESOURCES:

📘 Grab Your Copy of the More Than Money Book

The Biggest Risk Mar 15, 2023

Today I'm discussing risk.

Specifically, a type of risk known as "tail risk."

As Morgan Housel puts it, it's the hardest for people to understand...

...and it's the only one that really matters.

If you want to learn what tail risk is, why it's important, and how to mitigate it, today's episode is for you.

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***

EPISODE RESOURCES:

Alternative Investments: Should You Invest in Them? Mar 01, 2023

Today I'm talking about alternative investments.

An "alternative" is an asset that doesn't fall into one of the three traditional investment categories (stocks, bonds, and cash).

For example, private equity, venture capital, and managed futures.

These complex strategies often claim to reduce risk + deliver "uncorrelated" returns.

But do they live up to the hype?

Do they provide compelling risk-adjusted returns?

Should retirement savers include alternative investments in their portfolio?

I'm answering those questions (and more) in this episode.

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***

EPISODE RESOURCES:

January Inflation: Why Prices Are Rising Again Feb 15, 2023

Today I’m addressing the January inflation report.

In fact, contrary to expectations, inflation increased last month.

Specifically, the Consumer Price Index (CPI) jumped 0.5% after increasing by only 0.1% in December.

Why are prices increasing again?
Was the report positive or negative?
What does this mean for the long-term inflation trend?

I’m answering these questions + we have a special guest that drops by to share his thoughts.

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***

EPISODE RESOURCES:

How to Invest for Retirement in an Uncertain Market Feb 08, 2023

Today I’m talking about investing and planning for retirement during uncertain times.

In fact, I was recently invited to discuss this topic with Caleb Silver, Editor-in-Chief at Investopedia.

Caleb hosts the Investopedia Express Podcast and has had conversations with everyone from Ray Dalio & Liz-Ann Sonders to Eli Manning & David Rubenstein.

Needless to say, it was an honor to be on his show and share:

How to build a plan for your cash and why it’s so important
What mistakes investors should watch out for in today’s choppy markets
How to create a tax-efficient withdrawal strategy in retirement

I also shared my “hottest” 2023 investing take, my favorite financial term, and what the future of financial planning looks like.

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***

EPISODE RESOURCES:

Click to Learn more about our FREE Retirement & Tax Analysis.

Financial Advisors (Part 5): Answering FIVE Frequently Asked Questions Feb 02, 2023

Today I’m wrapping up our series on Financial Advisors by answering five common questions.

Questions such as:

How important are professional designations like CFP or CFA?
What is the process for firing a financial advisor?
Will I incur fees and taxes when transferring investment accounts to another financial institution?

I'm also sharing more about financial coaches + what to do if you are a victim of bad financial advice.

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***

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Financial Advisors (Part 4): Should You Work With a Fiduciary + How to Find an Advisor Jan 25, 2023

Today I’m tackling part four of our series on financial advisors.

Specifically, I’m covering three BIG things:

What is a fiduciary financial advisor (and should investors work with one)
How are 'fee-only' advisors different from 'fee-based'
Where can retirement savers search for a financial advisor based on their needs

If you want to understand some of the most misunderstood financial terms + learn how to find a qualified advisor, today’s episode is for you.

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***

Episode Resources:

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Financial Advisors (Part 3): What Fees Do Financial Advisors Charge Jan 18, 2023

Today I’m sharing the different ways financial advisors charge for their services.

In fact, there are FOUR main fee structures you might come across when interviewing advisors...

...and each one can be a disservice to someone.

In this episode, I'm covering three important things:

What are the four fee structures and their pros & cons
Who is (and isn't) a good fit for each service model
How much do financial advisors typically charge for their services

I'm also sharing how retirement savers might think about measuring the value of financial advice.

If you're ready for a deep dive into financial advisor fees, you're going to enjoy today's episode.

***

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EPISODE RESOURCES:

Pre-order your copy of More Than Money!

Financial Advisors (Part 2): The 5 Different Types of Advisors Dec 15, 2022

Want to support my upcoming book and help improve financial literacy?

To encourage your support, I'm running a "buy one, give one" campaign.

Here's how it works:

Pre-order a copy of More Than Money (Kindle or physical copy) before Dec 31.
Email a screenshot of your order to book@youstaywealthy.com.
I will personally match your order and send you a second copy to gift to someone in your life.

All net proceeds from the book are being donated to non-profit organizations dedicated to improving financial literacy and access to advice.

***

Today I’m tackling part two of our series on Financial Advisors.

Specifically, I’m breaking down the 5 different types of advisors (and who might be a good fit for each type).

I’m also sharing some thoughts on paying for financial advice and measuring the value you receive.

If you’re ready to continue learning about the world of financial advisors + how to make sense of the different types you can work with, today’s episode is for you.

Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter!

***

Financial Advisors (Part 1): What Are They + What Do They Do Dec 08, 2022

Today I'm kicking off a multi-part series on Financial Advisors.

(I'm also sharing a BIG announcement with everyone! 🥳)

Here in Part 1, I'm covering three things:

What is a financial advisor
Why the job title is meaningless
What financial advisors do (and don't do)

It doesn’t matter if you manage your own finances, happily work with a financial advisor, or work with 15 advisors...

..if you want to gain a better understanding of this important (yet confusing!) profession, this series is for you.

Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter!

***

Should Retirement Savers Own Bonds? Nov 22, 2022

Bonds are on track for their worst year in history.

In response, retirement investors are concerned (rightfully so) and questioning their bond allocation.

To help address those concerns, I’m covering three things today:

Why bond yields are NOT moving in lockstep with interest rates set by the Fed
How long it takes for bond losses to recover
Why retirement savers should maintain exposure to bonds for the long run

I'm also sharing the pros & cons of laddering bank CDs as a bond fund alternative.

Want more retirement content? Join thousands of other listeners and subscribe to the Stay Wealthy e-newsletter!

***

3 Important Facts About State Taxes in Retirement Nov 08, 2022

Today I'm talking about state taxes (in retirement!).

Specifically, I'm sharing three important facts that often fly under the radar.

I'm also clearing up common misconceptions and sharing real-life examples.

If you're ready to learn how state income taxes will impact your bottom line in retirement, this episode is for you.

Want more retirement content? Subscribe to the Stay Wealthy e-newsletter!

***

3 Retirement and Tax Planning Updates for 2023 Oct 19, 2022

Today I’m sharing three retirement and tax planning updates for 2023.

Specifically, I’m sharing a summary of important changes to:

Social Security payments
Social Security taxation
Medicare Part B premiums

I’m also sharing key highlights from the highly anticipated Secure Act 2.0 bill + when we might expect it to (finally) pass.

If you’re wrapping up your year-end planning and starting to think about 2023 and beyond, this episode is for you.

Want more retirement content? Subscribe to the Stay Wealthy e-newsletter!

***

How to Invest During a Lost Decade Oct 11, 2022

Recent headlines suggest stocks could be flat (or negative!) for the next 10 years.

The technical for this is "lost decade."

And these headlines have created more concern for investors who are already on edge.

So, what exactly does a lost decade mean for retirement savers?

How likely is it that we are going to experience one?

If we do, how should investors approach their asset allocation?

Those are the questions I'm answering in today's episode!

Want more retirement content? Subscribe to the Stay Wealthy e-newsletter!

***

Why Are Markets Falling (and How Did We Get Here) Oct 04, 2022

Today I'm breaking down the current state of the markets and economy.

Specifically, I'm sharing:

Why markets are falling (and how we got here)
How things could get worse before they get better
Four (4) reasons for investors to be optimistic right now

If you're feeling worried or concerned and want to learn more about the current downturn, this episode is for you.

***

What Does an Inverted Yield Curve Mean for Retirement Investors Sep 20, 2022

The current yield on a one-year U.S.Treasury bond is 4%.

But the yield on a ten-year Treasury bond is only…3.5%.

Why is this?

What does it mean for retirement savers?

And how should investors respond?

That’s what I’m tackling today on the show!

***

Tax-Loss Harvesting (Part 3): Answering Three Important Questions Sep 13, 2022

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***

In today's episode, I’m wrapping up our tax-loss harvesting series.

Specifically, I'm answering three BIG questions:

What if I don’t have any capital gains to offset? How to maximize the benefits of tax loss harvesting?
How do I navigate multiple tax lots properly + avoid making a costly mistake?
What is direct indexing and why is tax-loss harvesting always advertised as a benefit?

If you're a new listener, hit the pause button on today's episode and go listen to part 1 of this series first.

***

Tax-Loss Harvesting (Part 2): Who Benefits the Most? Aug 30, 2022

Today I’m continuing with our series on tax-loss harvesting.

Here in part 2, I’m sharing:

Who should consider tax-loss harvesting
Who should stay away from it
The (top) 3 things that can boost your tax savings

I’m also presenting situations where tax loss harvesting can backfire, and do more harm than good. 😬

If you're a retirement saver ready to learn how this tax strategy can be maximized, you're going to love today's episode.

***

Tax-Loss Harvesting (Part 1): The 5 Things You Need to Know Aug 24, 2022

Today I'm kicking off a multi-part series on tax-loss harvesting.

In part one, I'm breaking down:

What tax-loss harvesting is (and how it works)
Why it has become a popular tax strategy
5 little-known things about the wash sale rule

If you’re a retirement saver ready to learn all about tax-loss harvesting, you’re going to love this episode...and this series.

***

Zero Inflation, Buffer ETFs, and Social Security Increases Aug 16, 2022

Today I’m tackling a few retirement and investing questions from our listeners.

Specifically, I’m answering the following:

How do you make sense of the two conflicting July inflation reports (0% inflation vs 8.5%)?
What are Buffer ETFs and are they a good investment for retirement accounts?
What will the 2023 Social Security COLA be and why are news outlets quoting different numbers?

If you're ready to get answers to some of the top retirement questions I've received lately, this episode is for you.

***

The Risk of Deflation Aug 09, 2022

Today I’m talking about the case for (and risk of!) deflation.

Specifically, I'm covering:

What deflation is
How deflation impacts our economy
Why it’s a risk we should be considering

If you’re ready to learn about the often-overlooked risk of deflation, you're going to enjoy this episode.

***

The Ultimate Investing Checklist: 7 (Simple) Steps to Measure Your Investment Strategy Jul 26, 2022

Today, Jeremy Schneider unveils his Ultimate Investing Checklist.

In fact, you can use this 7-step checklist to measure your current investing strategy.

You can also use it to:

Optimize your tax bill
Maximize your risk-adjusted returns
Eliminate costly mistakes

If you want to learn how to cut through the nonsense + optimize your investment portfolio, this episode is for you.

-----

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

How to Invest for Kids (and Grandkids!) Jul 19, 2022

Today we're talking about the best way to invest for kids + grandkids.

In fact, guest host Jeremy Schneider says this is one of the most frequent topics he gets asked about!

So, to help our listeners, he explores three BIG things:

How to decide if you should invest for your kids...at all
The top four (4) investing strategies to use
How to optimize for taxes and growth

If you have kids (or grandkids!) and want to know the best ways to invest for their future, this episode is for you.

-----

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

Series I Bonds: Should Retirement Savers Invest in Them for Inflation Protection? Jul 12, 2022

Today we’re talking about I Bonds!

Specifically, guest host Jeremy Schneider is discussing:

What exactly I Bonds are
How I Bonds work
Where they belong in a retirement savers portfolio

If you want to learn about this unique + (virtually) risk-free investment that's paying 9%+, you're going to love this episode.

-----

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

Huge Tax Bills at Vanguard: What Retirement Savers Need to Know Jul 05, 2022

Today Jeremy Schneider dives into Vanguard Target Retirement funds (and the tax problems they're causing).

Specifically, he's sharing:

What happened at Vanguard to trigger this giant tax issue
Why this occurred in the first place
What to do when it happens again

He's also answering two (2) BIG questions from listeners!

If you’re ready to learn how to avoid future mutual fund tax surprises so you don't overpay the IRS, today's episode is for you.

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

10 Reasons You Should Avoid Indexed Universal Life Insurance (IUL) Jun 28, 2022

Indexed Universal Life Insurance (IUL) is all the rage right now.

"10%+ growth potential. Guaranteed security against market risk. Tax-free retirement income."

These policies are confusing. And they sound WAY too good to be true.

So to get to the bottom of it ... I bought one!

I read the fine print. Did the math. And uncovered the ugly truth.

In this episode, I'm sharing the 10 lies told during the IUL sales pitch + the actual financial outcome of buying one.

I'm also answering two questions from listeners, including one about using a 3-fund portfolio for retirement investing.

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

How to Reduce Medicare IRMAA in 2022 Jun 23, 2022

Today I'm sharing a fun announcement with everyone.

I'm also providing retirement savers with important information on the 2022 Medicare IRMAA brackets.

This includes covering three things:

What IRMAA is
How IRMAA is calculated
The 10 best ways to avoid IRMAA

If you want to better understand how you can navigate Medicare IRMAA this year (and beyond!), you'll enjoy this episode.

***

Grandparent 529 Plans: Big Changes + How Retirement Savers Can Maximize the Tax Benefits Jun 21, 2022

Today I’m talking about Grandparent 529 Plans.

In fact, a BIG change was recently that seemed to fly under the radar.

In addition to discussing this change, Robert Farrington joins me to discuss three (3) important things:

How to maximize the tax benefits of a 529
Why 529 plans are great estate planning tools
How to invest your money inside a 529

We also talk about alternatives to 529 plans that retirement savers might consider.

If you want to learn about the new 529 rules + how to maximize the tax/estate planning benefits of these accounts, you’re going to love this episode.

Over age 50? Need retirement + tax planning help?

To grab the links mentioned in today's episode, visit the show notes page.

3 Key Takeaways on Inflation from the May CPI Report Jun 15, 2022

Today I’m sharing key takeaways from the May inflation (CPI) report.

I’m also sharing:

What "shadow inflation" is (and why you should ignore it)
Why inflation is high
What retirement investors can do in response

Over age 50? Need retirement + tax planning help?

👉 Learn more about getting a Free Retirement Assessment™.

To grab the links mentioned in today's episode, visit the show notes page.

Why Are TIPS (Inflation-Protected Bonds) Losing Money? Jun 09, 2022

Inflation has skyrocketed this year.

In fact, inflation jumped to a 40-year high of 8.5% in March 2022.

So why are Treasury Inflation-Protected Securities (TIPS) losing money?

What are TIPS exactly?

And do they belong in a retirement portfolio?

If you want answers to these questions, you’re going to love today’s episode.

On the hunt for a retirement + tax planning expert?

To grab the links mentioned in today's episode, head over to the show notes page here.

3 Big Retirement Mistakes (and How to Sidestep Them) Jun 07, 2022

Today I’m sharing three (3) big retirement planning mistakes and how to avoid them.

Actually, that’s not true...

I was inspired to add a fourth retirement mistake at the last minute after a recent client meeting.

So be sure to stick around to the very end. ;)

On the hunt for a retirement + tax planning expert?

Learn more about getting a Free Retirement Assessment™.

To grab the links mentioned in today's episode, head over to the show notes page here.

Bonds, Recessions, and Withdrawing Money in Retirement May 25, 2022

The markets are off to the worst start since 1939!

Given that, I’m answering three (3) BIG questions from listeners today:

Why are stocks AND bonds down at the same time + what should investors be doing right now to protect their portfolio?
How can we improve our mindset and gain optimism in the face of negative economic outlooks?
What is the correct order of operations when withdrawing money in retirement?

If you're asking similar questions and concerned about the current state of the markets, you're going to love this episode.

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To grab the links and resources for today's episode, click here.

Financial Scam Alert + 3 Ways to Protect Yourself (and Your Loved Ones!) in Retirement May 04, 2022

Today I’m sharing details about a (new) popular financial scam.

To help you stay safe, I’m also sharing 3 ways to stay safe and protect yourself in retirement.

(Hint: your "complex" password may not be as secure as you think. 😲)

If you want to learn about this sophisticated financial scam + tips for protecting your family, this episode is for you.

Need Retirement & Tax Planning help?

Click here to learn more about our Free Retirement Assessment™.

For the episode show notes and links, click here.

Why You Shouldn’t “Buy the Dip” Apr 19, 2022

Today I’m talking about investing.

Specifically, I’m joined by data scientist and author, Nick Maggiulli, and we’re talking about:

How to invest in high inflationary environments
Why you shouldn't “buy the dip”
A unique formula for investing during market drawdowns

If you’re ready to dive into data and get answers to some of the biggest investing questions, this episode is for you.

👉 Click here to learn more about our Free Retirement Assessment

For the episode show notes and links, click here.

Inflation Spiked: How Should Retirement Savers Respond Apr 14, 2022

Inflation jumped 8.5% through March.

This is the highest reported level since 1981. 😬

It was also the biggest monthly jump in prices since 2005.

However...there are some tentative signs that inflation may be slowing.

I share more in this episode + provide thoughts on how retirement savers might respond.

For the episode show notes and links, click here.

Roth Conversions Part 2: A Five-Step Process to Determine if a Roth Conversion Makes Sense for You Apr 05, 2022

Today I'm tackling part two of our series on Roth conversions.

Specifically, I'm sharing:

How to determine if a Roth conversion makes sense
A Roth conversion case study
Common mistakes + pitfalls to avoid

If you're ready to master Roth conversions and take control of your tax bill, you're going to love today's episode.

Need retirement + tax planning help?

For the episode show notes and links, click here.

Roth Conversions Part 1: What, How, and Why Mar 23, 2022

Today I’m kicking off a 2-part series on Roth conversions.

Specifically, here in part one, I’m breaking down:

What a Roth conversion is
How a Roth conversion works
Why Roth conversions are so popular

If you’re ready to master the basics of Roth conversions, today’s episode is for you.

Need tax and retirement planning help?

For the episode show notes and links, click here.

Why I Was Wrong About Inflation + The Probability of a Recession Mar 15, 2022

Today I'm addressing inflation (again), war, and the risk of a recession.

Specifically, I'm sharing:

An update on the recent inflation report
Why my previous inflation comments were wrong
The probability of a recession + what retirement savers should be doing

If like most investors, you’re nervous about the current environment and looking for guidance, today’s episode is for you.

Need tax and retirement planning help?

👉 Click Here to Access Show Notes and Links for This Episode

For the episode show notes and links, click here.

5 Reasons NOT to Do a Roth Conversion in 2022 Mar 01, 2022

Today I’m talking about Roth conversions.

But instead of talking about why they’re so great...

...I'm sharing 5 reasons why you might NOT do them.

To help, Steven Jarvis, CPA, joins me. Together, we share a handful of often-overlooked reasons that might make you pause.

If you’re ready to learn why you might pass on Roth conversions (today or in the future!), today’s episode is for you.

Inflation Part 2: How Inflation Will Affect Your Tax Bill Feb 22, 2022

Today I’m sharing what the recent spike in inflation will do to your tax bill.

Why?

Because the higher inflation is, the more uneven its impact is on taxes owed by retirement savers.

And nobody likes it when Uncle Sam catches them off guard!

If you want to know the 6 ways inflation might impact your taxes this year, you're going to love this episode.

👉 Click Here to Access Show Notes and Links for This Episode

Inflation Part 1: Five Things Retirement Savers Need to Know Feb 09, 2022

Today I’m talking about inflation.

In 2021, consumer prices rose 7%...the largest increase in 39 years.

Is this good news or bad news?
What does this mean for retirement investors?
How should our investment strategy change in response?

I’m answering these questions and more!

If you’re ready to address common inflation myths + learn how to take action, today’s episode is for you.

👉 Access the Show Notes for This Episode

Why the Stock Market Is Falling (And How to Respond!) Feb 01, 2022

Today I’m discussing the current stock market volatility.

As of a couple days ago, U.S. stocks were off to their worst start since 2016.

Bonds are also in negative territory.

And inflation is at its highest level in 39 years.

Many retirement investors are [understandably] worried about the current state of the financial markets.

If you want to learn why + how to respond as a smart investor, you'll love today's episode.

👉 Click Here to Access Show Notes for This Episode

Life Insurance Part 2: Academic Use Cases, Evaluating Old Policies, Helpful Resources, and More! Jan 25, 2022

Today I'm tackling part 2 of our life insurance in retirement series.

To help, friend and fellow financial planner, Stephanie McCullough stops by.

Together, we cover three main things:

An academic use case for permanent life insurance to create retirement income
A step-by-step process for evaluating an existing policy
Tips and resources for getting conflict-free help

We also break down 1035 exchanges + how you can help family members with old insurance policies.

If you're ready to get into the technical weeds today and tie a bow on permanent insurance in retirement, this episode is for you!

👉 Click Here to Access Show Notes and Links for This Episode

Life Insurance (in Retirement) Part 1: The Most Common Use Cases + A 3-Step Process for Managing Risks Jan 18, 2022

Today I'm kicking off our two-part series on life insurance.

Specifically, I'll be tailoring these episodes to those who are in retirement or close to it.

Here are a handful of the things I'll be covering:

What are the different types of life insurance (+ pros and cons)
How to determine the need for life insurance
What are the costs and tax considerations
How to analyze an old insurance policy
Where to buy life insurance without getting ripped off

If you're FINALLY ready to understand life insurance in retirement (in plain English!), you're going to love this series.

👉 Click Here to Access Show Notes and Links for This Episode

How to Prepare for Tech Bubble 2.0 Jan 11, 2022

A near-record number of tech stocks have fallen by 50% or more from their one-year highs.

Is this the beginning of tech bubble 2.0?

If so, how will other asset classes behave?

How should retirement savers prepare?

One of our listeners, John H., recently reached out with these (great) questions.

If, like John, some of the recent headlines around tech & growth stocks have you concerned, you'll enjoy this listener mailbag episode.

Why You Should Pay Attention to Stock Market Forecasts Jan 05, 2022

Today I'm talking about market forecasts and predictions.

Why?

Unlike the core principles that create a successful investment outcome, the financial + economic environment is always changing.

And the current environment drives a lot of our assumptions and decisions about the future.

While I think investors should ignore most pundits, I do believe thoughtful forecasts are valuable.

If you want to learn more about how to approach stock market forecasts (which there is no shortage of right now!), this episode is for you.

👉 Click Here to Access Show Notes and Links for This Episode

Stay Wealthy Giveaway + What You Need to Ask Your Insurance Company (ASAP!) Dec 21, 2021

Two weeks ago, my wife and I came home to a major water leak.

We’ve been bouncing around between Airbnb’s with three kids and a dog since then.

Fortunately, the $50,0000 (and counting!) in damages are being covered by insurance.

But I learned that’s not always the case.

I learned that some VERY large insurance companies have recently stopped covering this type of loss.

If you want to learn more about my current situation + how you can ensure your home is properly protected, this episode is for you.

And if you want to throw your name in the hat for a custom, high-quality Stay Wealthy hoodie, click here.

(I'll be drawing names on January 3rd and shipping them off!)

👉 Click Here to Access Show Notes and Links for This Episode

Should You Include Social Security in Your Retirement Plan? Dec 07, 2021

The Social Security program currently pays more in benefits than it collects in revenue.

If no changes are made, Social Security will become insolvent by the year 2034...

...and all beneficiaries (regardless of age or income) will face a sudden 22% benefit cut.

Even more, some proposals to fix Social Security include stripping 100% of benefits from high-income retirees.

This has led a lot of retirement savers to ask:

"Should I include Social Security in my retirement planning projections?"

If you have the same question, you're going to love today's episode.

👉 Click Here to Access Show Notes and Links for This Episode

Investing in Real Estate: Key Findings from a Comprehensive 22-Year Study Nov 30, 2021

Today I’m sharing key findings from a 22-year study on investing in real estate.

In general, there are three primary ways you can invest in real estate:

Direct ownership
Listed real estate
Unlisted real estate

Most investors agree that allocating to real estate is prudent.

But they don't always agree on the best investment vehicle to use.

If you continue to wrestle with how to invest in real estate, you’ll enjoy the recent results I’m sharing from a 22-year study on this popular asset class.

👉 Click Here to Access Show Notes and Links for This Episode

*** NOTE: The show notes page I reference in the audio of this episode is incorrect. The correct episode number is 135 and the show notes can be found by going to www.youstaywealthy.com/135 ***

11 Surprising Facts About Tax Planning, Investing, and Retirement Nov 23, 2021

Today I’m sharing 11 surprising facts about tax planning, investing, and retirement.

For example, if you:

Retired in the year 2000 with $1 million,
invested all of it in the U.S. stock market,
and withdrew $50,000 (adjusted for inflation) per year...

...you would have been out of money by 2018!

If you want to learn how that could be + have some educational fun with retirement/investing statistics, today’s episode is for you.

👉 Click Here to Access Show Notes and Links for This Episode

I Made a Mistake + Equity Compensation Part 2 Nov 16, 2021

Today I'm clearing up some confusion from a prior episode.

I'm also tackling part 2 of our equity compensation series.

Specifically, I'm sharing:

How ESPP Lookback Periods Work
Qualifying vs Disqualifying Dispositions
Tips for Offsetting an RSU Tax Bill

If you want to better understand the tax implications of equity compensation, you're going to love today's episode.

👉 Click Here to Access Show Notes and Links for This Episode

Equity Compensation Part 1: RSU's, ESPP's, and Little-Known Risks Nov 02, 2021

In 2018, GE stock traded at $7/share—an 85% drop from its all-time high.

Who was hit the hardest?

Company retirees...including former factory workers who used equity compensation packages to save for retirement.

In part one of our equity comp series, I'm breaking down:

What it is
Why it exists
How to manage the risks

Friend and fellow planner, Odaro Aisueni, also drops by to share his wisdom and expertise.

If you want to better understand equity compensation + learn about the overlooked risks of company stock, you’re going to love today’s episode.

👉 Click Here to Access Show Notes and Links for This Episode

Inflation: The SPOOKIEST Threat to Your Retirement...or is It? Oct 26, 2021

Today I'm talking about inflation.

While inflation has historically averaged ~3%, the most recent CPI report showed an annual rate of 5.4%. 😲

But I’m going to share why that number doesn't tell the whole story.

I'm also sharing how some people are using the recent CPI report to try and scare you before Halloween even starts.

Finally, I'll be providing tips for how retirement investors can improve their portfolios if moderately high inflation persists.

If you want to know what the current inflation numbers mean for your retirement + how to combat this BIG SCARY threat, today’s episode is for you.

👉 Click Here to Access Show Notes and Links for This Episode

Preferred Stocks: Everything Retirement Savers Need to Know Oct 19, 2021

Today I'm talking about preferred stocks.

Why?

One of our listeners, Gene, was recently concerned about the low yields he was getting on bonds & cash.

And he was wondering if preferred stocks would be an appropriate alternative.

In addition to answering Gene's great question, I'm also breaking down:

What preferred stocks are
Why you might invest in them
How to spot little-known risks

If you're ready to learn all about preferred stocks (in plain English!), today's episode is for you.

👉 Click Here to Access Show Notes and Links for This Episode

U.S. National Debt: How Will We Ever Pay Off $28 Trillion? Oct 05, 2021

Today I'm talking about the U.S. National Debt which currently sits at ~$28 trillion.

While that is a GIANT number, I'm sharing why current debt levels are not as big of a problem as most think.

If you want to learn why (in plain English!), you're going to love today's episode.

The Top 3 Benefits of Market Cap Weighted Index Funds Sep 28, 2021

Today I’m talking about the benefits of Market-Cap-Weighted index funds (e.g., Vanguard Total Stock Market).

Why?

Last week, I made a brief comment that there were some benefits to owning them...and a number of you reached out asking what those were.

If, like these other listeners, you’re also curious about the benefits of market-cap-weighted funds, you’re going to love today’s episode!

How to Earn a 7% Return in Today's Environment Sep 21, 2021

The average interest rate for savings accounts is 0.06%.

National home prices just reported their highest one-year gain in history.

The U.S. stock market is up ~700% since March 2009.

When everything seems risky and overbought, what do retirement savers do?

How do you earn a healthy 7-8% return over the next 10-20 years?

I break it all down in this week's episode.

Why Investors Underperform by 2% Per Year + How to Improve Your Returns Sep 14, 2021

Today I'm sharing the hot off the press results of the annual "Mind the Gap" study.

Once again, over the last 10 years, investors earned ~2% per year less than the funds they invested in.

(Hint: It's not because of fees or taxes.)

If you want to learn...

Why this return gap exists
What asset classes are most at risk
And how you can improve your returns

...you'll love this episode.

Can Required Minimum Distributions (RMDs) Cause You to Overwithdraw in Retirement? Sep 07, 2021

Today I’m talking about Required Minimum Distributions (RMDs).

Specifically, I'm sharing:

How RMD withdrawal rates can creep up to 12%
Why they can cause you to overpay the IRS
How to use an RMD-based approach to create retirement income
When RMDs can put you at risk of over withdrawing
What you can do to reduce your RMD tax bill

If you want to get a quick Masterclass on Required Minimum Distributions (RMDs) and take control of your tax bill, this episode is for you!

👉 Click here to learn more about our Free Retirement Assessment

Retirement Income Part 4: Using Dynamic Withdrawal Strategies to Maximize Income Aug 31, 2021

Today I’m wrapping up our retirement income series by talking about Dynamic Withdrawal Strategies.

Dynamic strategies are designed to:

Maximize retirement income
Greatly lower the chance of running out of money
Combat inflation and maintain purchasing power

If you want to learn about dynamic withdrawal strategies, their pros & cons, and how to implement them, today's episode is for you.

To access the show notes for today's episode, click here.

Retirement Income Part 3: Immediate Annuities and Dividend Stocks + Their Pros & Cons Aug 24, 2021

Today I'm talking about immediate annuities and dividend stocks as potential retirement income solutions.

Specifically, I'm sharing the what, why, and how behind each strategy.

I'm also sharing their pros + cons.

If you want to find out if annuities and dividends will solve your retirement paycheck puzzle, you're going to enjoy this episode!

Retirement Income Part 2: The 4% Rule + Why the Creator Doesn't Follow It Aug 17, 2021

Today I'm breaking down the 4% rule.

Specifically, I'm sharing:

A brief history of the rule
Why the creator doesn't follow it
The pros and cons

I'm also sharing how you might take the current environment into consideration when using the 4% rule.

If you want to understand the most popular retirement income strategy once and for all, this episode is for you.

Retirement Income Part 1: Why Most Retirees Will Never Draw Down Their Savings Aug 10, 2021

Today I'm kicking off a multi-part series on creating a reliable income stream in retirement.

To help set the stage for this series, Michael Kitces drops in to share why most retirees will NEVER draw down their portfolio.

In fact, he shares how the 4% rule is more likely to quintuple wealth than deplete it over 30-years.

If you're ready to learn everything you need to know about creating a retirement paycheck, this series is for you.

Buying vs Leasing: The True Cost of Owning a Car Aug 03, 2021

Today I'm talking about car ownership.

Specifically, I'm sharing:

The Total Lifetime Cost of Owning a Car
How Buying New Can Cost the Same as Buying Used
Why Leasing a Car Isn't Always the Wrong Decision

I also let you in on a little secret about my personal approach to car ownership. 😲

If you want to better understand the true cost of owning a car (and hear my public confession!), today's episode is for you.

What Are I-Bonds + Are They a Good Investment Jul 27, 2021

Today I'm talking about I-Bonds, a type of savings bond that some call "the best kept secret in America."

Specifically, I'm sharing:

What they are
Why successful retirement savers might NOT be racing out to buy them
Who they might be a good fit for

If you're interested in learning about a safe investment designed to combat inflation, today's episode is for you.

Tax Planning, Legacy Planning, and Listener Q&A! Jul 20, 2021

Today I'm responding to some constructive criticism I received from a listener.

I'm also sharing my conversation with Steve Chen, host of The NewRetirement Podcast.

Along with sharing a personal update on having three kids under age 5, we dig into:

Tax planning opportunities + misconceptions
What to do when you've saved more for retirement than you can spend
Why people put off estate planning and how to take action

Be sure to stick around to the end where we answer a few listener questions and chat about the current state of the markets.

Click Here to Get Your FREE Retirement & Tax Assessment

LTC Part 2: Everything You Ought to Know About Maximizing Long Term Care Insurance Coverage Jul 13, 2021

Want to learn how to lower your tax bill + improve retirement success?

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Today I’m tackling part two of our series on Long Term Care (LTC).

Specifically, I’m breaking down three big things:

The types of LTC insurance available (and the pros and cons of each!)
Major pitfalls to avoid
Vetted resources to help you take action

If you want to understand how to maximize your dollars (and coverage!) when buying long-term care insurance, today’s episode is for you.

LTC Part 1: A Step-by-Step Process to Determine if You Can Self-Fund for Long Term Care Jul 06, 2021

Today I'm kicking off a two-part series on Long Term Care (LTC).

In part one, I'm sharing:

LTC statistics that don't often make headlines
Why everyone (yes everyone!) needs a plan for LTC
My 5-step process for determining if you can self-fund

If Long Term Care is one of those financial planning items you STILL haven't tackled yet, this series is for you!

6 Ways to Access Retirement Funds Early Jun 29, 2021

Today, guest host Jeremy Schneider talks about retirement accounts.

Specifically, he shares why having all of your money locked up in them is a problem + how to access your funds early.

He also answers a listener question about where to prioritize investing in a 403(b).

If you invest in any type of retirement account (e.g., IRA, 401k, etc.), you don't want to miss his VERY last episode.

👉 Click here to access show notes for this episode (Including a unique Stay Wealthy discount code for Jeremy's investing course!)

Why I Don't Invest in Gold or Oil Jun 22, 2021

Today, guest host Jeremy Schneider explains why he removed oil and gold from his portfolio.

In fact, he broke one of his cardinal rules of investing to do it!

He also answers a listener's question about investing money that's being saved for a home down payment.

If you're a retirement investor who is curious if gold or oil (a.k.a. commodities) belong in your portfolio, you're going to love this episode!

5 Reasons Index Funds May Be Bad for America Jun 15, 2021

Today, guest host Jeremy Schneider breaks down the 5 most common arguments AGAINST index funds.

Specifically, he shares how individual investors are impacted + his response as an index fund advocate.

He also answers a listener question about paying off debt vs. investing.

If you're a retirement saver who loves low-cost index funds as much as we do, today's episode is for you!

How to Use the COVID Crash to Make Better Investing Decisions Jun 08, 2021

Today, guest host Jeremy Schneider takes a deep dive into the COVID-19 stock market crash of 2020.

Specifically, he's talking about:

What the trading circuit breaker is and why it exists
How the length and severity of the COVID crash stacks up to other historical catastrophic events
What retirement investors should consider going forward when reviewing their investments

Jeremy also answers a listener's question about rent vs buy given sky-high real estate prices.

If you're a retirement investor interested in using history to make more informed decisions about the future, you're going to love this episode.

When Timing the Stock Market Can Actually Work Jun 01, 2021

Today, guest host Jeremy Schneider covers three BIG topics:

When market timing works
How to invest a windfall of money
What to do if you're afraid to invest in the stock market

If you're a nervous retirement investor concerned about investing at market highs, this episode is for you!

Click Here to Get Your FREE Retirement Assessment

Two Simple Tax Planning Tips + A Fun (Personal) Update May 25, 2021

Learn how to:

Lower your tax bill
Optimize investments
Improve retirement success

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Today I'm sharing two simple tax planning tips.

These tips will help you catch common errors we're finding on 2020 tax returns.

I'm also sharing some fun (personal) news with our listeners! 😲

If you've filed your 2020 tax return and want to avoid any big surprises this year, today's episode is for you.

The Right Way for Retirement Savers to Approach ESG Investing With Liz Simmie May 18, 2021

Today we’re diving into ESG investing.

ESG stands for Environmental, Social, and Corporate Governance.

And because the world of ESG is messy and complicated, I asked Liz Simmie, co-founder of Honeytree Investment Management, to help us break it down.

Liz is wildly knowledgeable about purpose driven investing and addresses three big questions in this episode:

What is ESG investing (in plain English!)
How retirement savers should approach fees when investing in ESG funds
What is the most important data point to screen for when choosing an ESG strategy

If you want to learn the right way to approach ESG investing and how to integrate it into your retirement portfolio, you’re going to love this episode.

Click to get your FREE Retirement Assessment

The Bitcoin Counterargument May 11, 2021

Want to learn how to lower your tax bill, optimize investments, and improve retirement success?

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Today I'm sharing my current thoughts on bitcoin.

A special guest also drops by to share his point of view, including why bitcoin should NOT be used as a store of value.

If you enjoyed last week’s interview and you’re craving to hear a different perspective, today's episode is for you.

The Bullish Case for Bitcoin With Isaiah Douglass May 04, 2021

Today I’m joined by Isaiah Douglass, MBA, CFP®.

Isaiah is wildly knowledgeable (and passionate!) about Bitcoin.

He’s also very optimistic about its future.

I have more questions than answers, so I brought him on the show to share his perspective + challenge my thinking.

I asked him questions such as:

Why should we trust that 10-years of Bitcoin data is sufficient?
Is Bitcoin a speculative investment?
What are the best-case and worst-case scenarios for Bitcoin? ...and more!

If you’re wondering if Bitcoin will "pop" like the dot-com bubble or if it belongs in your investment portfolio, this episode is for you.