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Retirement Starts Today

Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter
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Now displaying: July, 2024
Jul 29, 2024

What would you say your retirement confidence level is? If you’re like many super-savers, it may be surprisingly low. 

In this episode of Retirement Starts Today, we’ll explore an article from Investment News that dives into a phenomenon where wealthier Americans who are confident in their money management skills still feel shaky about retirement and transferring their wealth to their heirs.

Listen in to learn how to become more confident in your retirement plan and stick around for the listener question where we discuss just how safe annuities really are.

Outline of This Episode

  • [1:22] Why are supersavers not confident in their retirement plans? 
  • [4:18] How to become more confident in your retirement plan
  • [7:56] How safe are annuities?

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Jul 22, 2024

We may think of many things when it comes to rising interest rates, but often we fail to understand how that could lead to rising IRS penalties. 

In this episode of Retirement Starts Today, we’ll take a look at an informative article from the WSJ about how to avoid rising IRS penalties. 

Make sure to stick around for the listener questions segment where I answer Jeff’s question on how to bridge the income gap between retirement and Social Security.

Outline of This Episode

  • [1:42] Paying quarterly tax withholding
  • [8:24] My two tips on avoiding penalties
  • [11:48] On bridging Jeff’s retirement income gap

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Jul 15, 2024

When was the last time you checked your beneficiaries on your retirement account? After listening to today’s episode, I guarantee you’ll be logging in to verify.

In the retirement headlines segment, we’ll check out a Yahoo Finance article titled ”They Broke Up In 1989, But Now His Ex-Girlfriend Is Inheriting His $1 Million Retirement Account After Nearly 40 Years.” How’s that headline for clickbait? It certainly got me to click!

Make sure to stick around to hear how a reverse mortgage could play a part in your retirement planning. 

Outline of This Episode

  • [1:52] How an ex-girlfriend ended up with a million-dollar retirement account
  • [5:53] My takeaways
  • [9:07] Using reverse mortgage in a positive way
  • [14:45] Things to be wary of

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Jul 8, 2024

While, for some people, the transition to retirement goes perfectly smoothly, that’s not the case for everyone. 

Most of us are counting the days until retirement. We’re excited by all the prospects this new stage in life will bring. However, some people struggle with the change. In this episode of Retirement Starts Today, we’ll look at a common issue with retirement from a psychological perspective with this article from Psychology Today.

In the listener question segment, I’ll touch on how to bridge the gap between the beginning of retirement and collecting Social Security and discuss how to invest for the short-term in retirement. It’s time to up your retirement game; press play to get started.

Outline of This Episode

  • [1:22] I just retired so why am I unhappy?
  • [8:55] What the hapipest retirees do
  • [11:00] How to generate income to bridge an income gap before Social Security
  • [16:05] How to invest for the short-term in retirement

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Jul 1, 2024

It’s no secret that I want you to spend more money in retirement.

Why?

Because you’ve worked for it! 

Retirement is about living the life that you have saved for all these years, so I’m looking for any way I can find to help you get out there and enjoy it. 

One way that has been gaining popularity in recent years is semi-retirement. In this episode of Retirement Starts Today, we’ll look at an article that shows how partial retirement has been shown to lead to an increase in spending levels in retirement.

Outline of This Episode

  • [1:22] How semi-retirement has led to a surge in retirement spending
  • [6:15] Would part-time work increase your spending confidence?
  • [7:48] Keep contributing to a simple IRA or cease contributions and move funds to a Traditional IRA

Resources & People Mentioned

Connect with Benjamin Brandt

Subscribe to Retirement Starts Today on

Apple Podcasts,Stitcher,TuneIn,Podbean,Player FM,iHeart, orSpotify

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