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The end of the year always awakens in me a desire to do a life review – how am I doing with my retirement lifestyle vision, how is my wellbeing, what’s working/what’s missing, what’s the plan for next...
When it comes to money - especially real estate investing - it’s important to use your head, not your heart. The post My Keys to Real Estate Investing… and Where I’m Buying Next appeared first on Weal...
? Show Notes In this episode, Roger Whitney kicks off a month-long series on year-end planning for retirement. He shares insights on tax loss harvesting, a technique that can help you minimize capital...
I have just returned from another enjoyable but exhausting trip to London to see our granddaughters. On this occasion, rather than driving, Mister E and I took the train and the journey proved to be t...
Think waiting until 70 is the gold standard for Social Security? We dig into the real math behind delayed retirement credits and the hidden trade-offs that rarely make it into the headlines. Drawing o...
About 10 years ago, I tried logging onto SSA.gov to check my Social Security benefits. You would think after decades of paying FICA taxes (6.2% for SS, 1.45% for Medicare), the government might make i...
When you think about retirement, it’s easy to picture it as one long chapter, but financially, it’s really a series of different seasons. Your needs, lifestyle, and spending change over time, and your...
? Show Notes In this Thanksgiving Eve episode, Roger Whitney encourages listeners to carry gratitude into everyday life, emphasizing the value of recognizing specific moments and taking “mental snapsh...
Ever since we had a kid, my friends and family were like “well, I guess you’re going to have buy a house now!” After all, they reasoned, we couldn’t possibly raise a kid in a one-bedroom apartment, ri...
Retiring with a pension changes everything about your retirement math. Most people think about retirement in terms of net worth—how close they are to a million, two million, or more. But if you have a...
On rare occasions, I read something so insightful that I feel compelled to share it with the readers of this blog. Today’s article is an example of one such occasion. […] The post The Gap...
Younger Boomers are bringing life-by-app habits into retirement, reshaping aging-in-place, retirement costs, senior living and the longevity economy....
Many adult children want their aging parent to move closer and be in assisted living. Beware of the pitfalls and find a right fit with your elder's personality....
? Show Notes In this episode, Roger Whitney explores the psychology of loss aversion and how it affects financial decision-making. He introduces the new Retirement Toolbox segment, offering practical,...
In this episode of Retirement Reality, Darren shares what it’s really like to walk away from work at 54 and why it still feels surreal. After decades of saving, hitting his number, and paying of...
The IRS has announced the cost‑of‑living adjustments for pension plans and other retirement-related items for tax year 2026....
? Show Notes In this episode, Roger Whitney explores the psychology of loss aversion and how it affects financial decision-making. He introduces the new Retirement Toolbox segment, offering practical,...
What if downsizing your home could actuallyupgradeyour lifestyle in retirement? In this episode, Tyson Thacker sits down with real estate professionals Jodi Rosko and Heather Fisher, co-hosts ofThe Do...
Retiring soon. Looking for insights on my ability to retire, and things I haven’t considered — especially from women in similar life circumstances. I have 600K in mixed retirement accounts...
My wife and I (both retired, not working jobs) are strongly considering San Diego CA as our final living destination. Austin TX is just getting too hot, and it will only get worse. 8 months of summer,...
If you're choosing between working for a DSO or a dentist-owned practice, salary isn't the only factor. Stability and autonomy are vital, too The post Dentist Salaries in 2025: Comparing DSO vs. Denti...
What if the “smart” money choice isn’t the choice that builds your best life? This Root Talks episode starts with a bucket-list moment for James—throwing the first pitch at a P...
? SHOW NOTES In this episode, Roger Whitney explores the art of retirement goal setting with his signature blend of practical advice and thoughtful reflection. He sits down with Cesar Aguirre, who sha...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
Trigger Warning: The following contains descriptions of physicians making rational career decisions and abandoning failing investments. Side effects may include ... Read more...
When people think of what could haunt their retirement, they often imagine running out of money, facing unexpected expenses, or living too long. But as we discuss in this episode, there's a more insid...
What chance do you have of living to 100? And, can you afford to do so? Explore life expectancy trends and what it takes to fund a long life. The post How Much Do You Need for Retirement if You Will L...
In this episode of Retirement Reality, meet Donovan, a 55-year-old retiree who turned an unexpected career exit into an opportunity for freedom, reflection, and new purpose. Donovan shares how one def...
For those who have been living under a rock, let’s hope it was gold, because the shiny metal is up ... Read more...
Today we answer a question from Ken, a recent retiree at 63, about how his Social Security claiming decision impacts his wife's future spousal benefit. We break down how spousal benefits are calculate...
In this episode, we explore how to pass on your assets smoothly and efficiently—without dragging your loved ones through probate court. You'll learn why probate can be costly and time-consuming,...
In the first part of our series on estate planning, we laid the groundwork for why incapacity planning matters and what documents you need to get started. But there's more to it than just having your ...
For those of you who are married which spouse retired first and what was the reason for this? How are the dynamics post-retirement? I will retire before my husband. I've always made less and as I stop...
My wife and I plan to retire at the end of 2028. While we both have good paying jobs now, for most of our adult lives, we've been barely making it - raising children and living paycheck to paycheck. O...
FROM THE ARTICLE. 6 Big Social Security Changes for 2026. COLA increase, higher Medicare costs and a new tax break will affect beneficiaries’ bottom lines in the year to come. By Deirdre Shesgre...
The Social Security Administration announced its cost-of-living adjustment for beneficiaries — a figure advocates say fails to address the reality for most seniors....
Recipients, including retirees and their spouses, as well as those who receive disability benefits and Supplemental Security Income, will see the additional benefit starting in January....
Senior living options are no longer God's waiting room....
The MIT AgeLab’s Longevity Preparedness Index redefines retirement planning, turning longevity from a financial goal into a blueprint for living better longer....
The financial industry profits from hoarding, not living. Why 'people want to live their money' and the AI-based app that is helping them....
What good is living longer if your money doesn’t last long enough to enjoy it?...
FROM THE ARTICLE. Lengthy stoppage would delay release of inflation data that’s key to calculating the Social Security benefit boost. By Andy Markowitz and Deirdre Shesgreen, AARP. Published Oct...
Spouse and I are retiring soon and have both greatly reduced our work schedules. We are fortunate to have kids and grand kids living nearby and we also have a 6 month-old Lab puppy. We did not want to...
One risk of lifestyle creep is getting used to a standard of living that can't be supported when you stop working. How to balance today's desires with tomorrow's needs....
All of the information out there seems to be oriented towards WITHDRAWING money from your accounts after you retire. The issues are things like sequence of return risk, percentage of withdrawals, incr...
Are you spending a lot on non-essentials that once felt like luxuries but now seem normal? You might be experiencing lifestyle creep. Here's how to stop it in its tracks....
We asked financial experts and therapists for advice....
I'm thinking about living in Maine for three months. If you've done something similar, do you have any thoughts to share? I'm single, retired, childless, an introvert. I've been to Maine several times...
Living longer is one thing. Living well is another. In Part 2 of my conversation with Dr. Bobby Dubois, we unpack the final three pillars of his blueprint for longevity: mind-body harmony, heat & ...
When I was working, I measured life in long blocks of time. Career stretching across decades. Plans were drawn for years ahead. Even worries carried themselves into a distant future. That way of think...