Retirement income is the money you receive from various sources during your retirement years. It's important to plan for retirement income, because you will no longer be receiving a regular paycheck from employment.
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Chris Orestis, founder & president of Retirement Genius, answers the question: “Is Social Security going bankrupt?” “If we don’t address the financial shortfall… it would trigger an immediate 20% or g...
Dr. Wade Pfau explains four ways to beat sequence of return risk and turn your retirement savings into retirement income. For most of your working life, retirement planning feels relatively straightfo...
Chris Orestis, founder & president of Retirement Genius, explains how to make more informed Social Security decisions. Social Security is one of the most important decisions in retirement. And yet, ma...
Dual-physician households want for nothing. In the eyes of the observer, they’ve won the lottery of life. A combined household ... Read more
401(k) mistakes aren’t just about saving too little – they’re also about poor planning. Common issues like tax-heavy accounts, lack of diversification, and early withdrawals can reduce your retirement...
You’ve done everything right. You saved consistently. You built a portfolio. You figured it out on your own. So why would you ever need a financial advisor now. That question makes sense. And for many...
You can do everything right and still feel stuck. Save aggressively. Max out your 401k. Build a large portfolio. And then one day realize you can’t actually use it when you want to. In this episode, J...
Higher-income earners must make 401(k) catch-up contributions with after-tax dollars and place them in a Roth account.
What if the strategy you trust most for retirement income is quietly costing you hundreds of thousands of dollars? Topics covered in this episode: The real driver behind outperformance Sequence of ret...
What if the real retirement risk zone isn't during retirement… but the five critical years before and after it begins? In this episode, you'll learn about: Pre- vs. post-retirement sequence of returns...
An interview with FPL's Amanda Harrell, where we talk through how to handle a 401(k) rollover without blowing up your Backdoor Roth IRA, whether direct indexing is really worth it, and what to think a...
Don’t let mandatory distributions catch you off guard. Test your RMD knowledge and discover strategies to maximize your retirement income today.
Medicare costs can spike if your income triggers the income-related monthly adjustment amount. Here's what to expect in 2026 and how to avoid it in the future.
Roger Whitney breaks down how to create a diversified portfolio by explaining the core principles of diversification and asset allocation, then answers listener questions on topics like using allocati...
A $0 state income tax bill doesn’t always mean a cheaper retirement. See which states stretch your dollar further.
Rockstar advisor George Fraser joins the podcast to announce "GigMatch," a revolutionary app designed to replace retirement fear with hope by matching 401(k) participants with gig economy income oppor...
I have stock in a brokerage account and say it pays a 5k dividend that stays in the account as cash, not reinvested. At the end of the year I know I will get a 1099 DIV and it will count as 5k income ...
Context: USA couple. We plan to retire at around 60 years old, with no employer paid health care after that date. But, having been employed in tech, I've been a reasonably high earner in a low cost of...
My 62 year old wife is being treated for stage three breast cancer, and she is currently receiving care via Medicaid. She does not have any income of her own, she is not now receiving any Social Secur...
In the world of very early retirement, we tend to ignore one of the most important things for normal retirees: the Social Security program. Don’t get me wrong, it’s a great thing for the 73 million pe...
High-income physicians are among the most educated professionals in the country. They’re also, statistically, among the most consistent overpayers of ... Read more
If I understand this correctly, with the upcoming tax deduction in the Big Beautiful (Ugly grrr) Bill, we have a few years where your adjusted gross income may drop you down to a lower tax bracket, or...
In this episode, Roger Whitney breaks down essential elements you need to consider before and during retirement. From understanding inflation risks to strategic asset reallocation, this episode offers...
This is my first post in this group, so if this is out of place or out of line, I'm happy to remove it. I never had a plan for retirement, just, sock money away in a Vanguard account and hope for the ...
[Long] This might be one of those “Shut up, good problem to have” things, but I honestly don’t have a grip on it. I’ve been retired for 2.5 years and in 6 months, I’ll claim Social Security when I hit...
Tuesday, March 31 - Monday, April 06, 2026 Most Commented score comments title & link 182 128 comments Small adventures on the cheaper side 377 79 comments I've Been Retired For Three Years. It's Time...
When I claim SS my wife and I suddenly have another $5700 monthly coming in (mine+spousal). That WELL exceeds what we need to live on - even with a generous vacation budget. I'm thinking that at that ...
Paying taxes in retirement means managing income streams, quarterly deadlines, and the IRS safe harbor, without an employer doing it for you. The post How to Pay Taxes in Retirement and Avoid IRS Pena...
I just turned 65 so I will not have to start taking RMDs until I'm 75. Since IRMAA is based on income from 2 years prior, that means I won't get hit with IRMAA until I'm 77 (2 years after my RMDs star...
In this episode of the Retirement Answer Man, Roger Whitney explores the critical decision of when to claim Social Security benefits, weighing the pros and cons of taking them early versus delaying. T...
Including your housing wealth in your retirement plan can lead to higher lifetime income and a larger legacy than a plan based on selling the home for the cash.
Retiring in 8 months @ 60. I think I can provide us the gains a 60/40 gives but make it feel like a 3 bucket safety net - sort of a hybrid of the two: - 2-3 years in cash equivalent (money market/CD l...
Capital gains tax can cost more than you expect when investment profits stack on top of ordinary income. Here’s how to plan around it. The post Capital Gains Tax Brackets: How Income Pushes Your Rate ...
The Social Security provisional income threshold can create a "tax torpedo" for disciplined savers, raising your effective marginal tax rate to 40.7% or more.
Increasing longevity means you could outlive the money you've saved for retirement. Social Security may not bridge the gap, but an income annuity could help.
Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...
Most people think retirement begins the day they turn in their notice. In reality, retirement begins much earlier than that. It begins the moment you stop depending on your employer for everything. In...
“Only live off the dividends. Never touch the principal.” It sounds responsible. It feels safe. It may be one of the riskiest retirement strategies out there. In this episode, James breaks down why bu...
From municipal bonds to Roth conversions — take our quiz to find out if you know which income streams push you into higher Medicare brackets.
“The 1%” sounds like an abstraction. It’s something economists argue about on cable news. But if you’re a physician, you ... Read more
Doctors spend a decade in training to earn a high income…only to turn around and spend the next three decades ... Read more
What are Passive Income Generators (PIGs) and Passive Activity Losses (PALs), and how do they interact with each other on your tax bill? The post Using Passive Income Generators (PIGs) to Offset Passi...
How do you turn decades of hard-won savings into a steady stream of income for the rest of your life? These funds may help.
James Choi’s investing model suggests your stock allocation should depend on income, savings, and future earnings, not just age. The post How Much in Stocks? A Yale Formula Rethinks Allocation Rules a...
Jeremy Keil explains how putting your cash in the wrong spot could prevent you from earning thousands in interest during your retirement. Many retirees spend a lot of time thinking about how to get be...
Author Ethan Lohr shares how the four buckets retirement income strategy helps retirees behavior-proof their retirement. Many retirees face one similar problem that they struggle to name: the emotiona...
I’ve been trying to wrap my head around how the recent legislation could affect retirement income, especially when it comes to taxes, Medicare premiums, and withdrawals. A few things I keep coming bac...
A conversation with Bill Bengen—the creator of the 4% rule—to discuss how retirement strategies have evolved, what high-income professionals should be thinking about now, and his current recommendatio...
Don't just set and forget your 401(k). Creating a plan for investments, income and health care ensures your balance translates into lifelong financial security.
After a colourful career in high-tech/telecoms, I realized it was time to retire when I was suddenly reporting to a 22 year old who knew less about technology than the cashier at a dollar store, place...