Showing 50 results of 359
This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great r...
I retired last spring at 62. My wife had already stepped back from her job the year before. We had saved, we had a plan, but the number that kept me awake was $1,280. That was the monthly quote for a ...
Homeowners insurance is a national crisis — and retirees are hit especially hard.
I ran the KFF calculator for a couple at $84,599 vs $84,601 across nine states. The two-dollar difference ....yikes. I wanted to know what it actually costs a pre-retiree couple to land on the wrong s...
After working for 27 years for the same organization, I found out in late April that my job was being eliminated as of July 1st (a story for another post) I am 64, divorced with two grown children. My...
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, c...
Claiming Social Security early might seem counterintuitive for the ultrawealthy, but one advisor says that when the benefits are used to fund life insurance in an irrevocable trust, the strategy could...
Wife and I (63) looking to downsize. 20 years in a two story, walk out, 4 bedroom, 3.5 bath that’s been an awesome home to raise two girls. Wife is retired and I’ll retire in next 2 years. Makes a lot...
It's important to have perspective throughout life. Preparing for and living in retirement is no exception. In this episode we have a little fun discussing the possible perspectives of “The 5 People Y...
Long-term care insurance can help offset one of the biggest financial blind spots in retirement. But timing and strategy are everything.
It may seem like everyone wants to sell you a whole life insurance policy. Is it worth it as a retirement savings hack?
I turn 65 in November. Up until last November I was married to a retired LEO. He was an alcoholic and life was miserable and I could not fathom retiring. He died in November and it took 6 mos to get a...
My wife and I have been circling this for a couple of years (okay, 5!) and we finally started running countdown timers in our phones: she plans to stop at 59, and me at *ahem* exactly 60.8 (at this po...
Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with financial advice, investments, and insurance produc...
When evaluating flood insurance, many people focus on a single question: Do I need it? I think there's a better question. If your home suffered significant flood damage tomorrow, where would the money...
Financial Assessment (Meet with an experienced professional): https://bit.ly/PureAssessment Free Financial Resources in This Episode: https://bit.ly/ymyw-585 (full show notes & episode transcript) Tod...
Back story: - 2015 Spouse retired at 65 and receives SS. - 2021 I retired at 64.6 and receive a monthly pension and SS. - Prior to retirement, we were able to save ~300K in cash. ~400K in 401. In 2014...
I planned to retire 3/30/2027. Today, I was told I am going to be laid off. However because I've been a great performer for so many years, I can choose whether I get laid off October 2026 or Feb 2027....
I recently received a great comment on my post, Why All Rich People I Know Still Have Life Insurance. It was the last line that stood out. Here's what Marc had to say. I had life insurance ($1M) throu...
Graduations mark the end and beginning of certain chapters in life. In this episode we explore ways of teaching financial lessons at these important junctures in life. Glenn is available for in person...
Tail coverage is no longer a technical add-on for malpractice insurance when terminating a contract. It is long-term financial protection. The post Malpractice Tail Coverage in the Age of Nuclear Verd...
Joe Schmitz Jr. and Jeremy Keil explore the 2% Club of retirees and the unique challenges that come with significant retirement savings and a pension. https://youtu.be/G04JKpKyLJ0 Most retirement conv...
I have no affiliation with any health insurance companies and no particular ax to grind. I just want to share our experience because I see a lot of scary information out there about Medicare Advantage...
Here's something I've noticed: the loudest voices arguing against life insurance after financial independence almost always come from people who aren't financially independent yet and don't have kids....
Should Al and Peggy in Illinois keep hammering pre-tax retirement savings or should they pivot to post-tax Roth for better tax diversification? Which pension option is best for their early retirement ...
Many doctors are making critical errors when buying disability insurance. Here's what you need to know to protect yourself and loved ones. The post 17 Physician Disability Insurance Mistakes to Avoid ...
Allowing clients to surrender or lapse life insurance policies before gauging value on the secondary market amounts to a fiduciary fail, argues Cole Hallman of Citizens Life Group.
I just informed my manager that I'll be retiring July 3rd. Pretty exciting. The plan has been afoot for a while now, but I needed to let them know. I've tested the numbers, I've created my fund for th...
Often times retirees like to stay busy with a “Side Gig”. In this episode we delve into a number of ways retirees sometimes continue to work either part time or for a limited period of time in their e...
In this post, we discuss how you can use the Actuarial Approach and its funded status metric to help you feel more confident about your spending plan in retirement. It is a follow-up to our post of Ja...
I received a severence check from my company for the VSP. Boldin says I have enough to spare a 15k car to my daughter which will help her through Grad School. She will be living with me and we have be...
Here's everything you need to know about pet insurance, how much it costs, and whether it's ultimately worth it for you to purchase. The post Pet Insurance: Worth It or Just Hype? A Practical Look for...
Policymakers will have to decide among four basic LTSS models: Medicaid; Medicare; public insurance; or leaving people and their families to fend for themselves.
This is going to be a bit long. We are planning on getting LTC insurance, my wifes dad used his benefit and we have no kids. I am just not sure how to think about it. I conceptualize 3 different reaso...
Jeremy Keil explains how 5 smart moves could impact your ability to claim $180,000 or more as a couple in Social Security. If you’re about to file for Social Security, there’s a real possibility you c...
I'm still working, born in 1959, and making more than I have in my top 35 years, so working still is going to be bonus additional money. Has anyone ever done this before? Everyone I know retired and s...
IDK how much I can share here. You never know if someone you know is also here. After 28 years, I'm done. If the work were not so horrible, and the company so greedy, I'd probably stay and make it a f...
Cheaper doesn’t always mean better when it comes to insurance quotes. Quotes can vary widely—not just in price, but in what they cover. The post Don’t Cheap Out When It Comes to Insurance: The Cheapes...
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...
Afternoon all - A few days ago, I saw a video from a fianancial consultant who was advocating that if you own a home you should consider selling it when you retire, take the proceeds from the sell and...
Tuesday, April 07 - Monday, April 13, 2026 Most Commented score comments title & link 19 25 comments Retired folks: Best time of year to save money on home improvement projects? Top Comments score com...
Whole life policies purchased 35 years ago, very small and dwarfed by our current portfolio. But still paying for it every month. Really want to cash them out now so my kids have a couple things left ...
I am not yet retired but getting my ducks in order. I am a NYS teacher. If I retire at 62 I need to pay for my own insurance until Medicare at 65. The school’s health insurance for both my husband and...
Yesterday was my last day of work. I just turned 61 on Easter. I have a full NYS retirement pension after working 30 years in public service. This feels weird. I am in the process of moving to be a bi...
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 ...
When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two. Hail the ...
Disability insurance is a must for a doctor, and plenty of options exist. Here's what to know about graded vs. level premium insurance. The post Graded vs. Level Premium Disability Insurance appeared ...
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...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on how to build your own retirement AND support your kids financially, today on Your Money, Your Wealth® podcast number 575. "Lloyd and Diane" in Mo...
Explore how meaningful travel experiences, storytelling, and thoughtful planning can enhance your retirement journey. In this episode, Roger answers listener questions on managing retirement accounts,...