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You can hit your number, be fully financially ready, hand in your notice, and still end up miserable. Or worse, running out of money. In 15 years as a retirement advisor, I've watched it happen again ...
Social Security's trustees estimate the trust fund will run out of money earlier than they estimated last year. But the new projection still could be optimistic.
Most retirement advice isn't wrong. It's incomplete. And following incomplete advice for 30 years is how people end up financially ready for retirement but completely unprepared to live it. I've seen ...
The program’s trustees confirmed that its primary trust fund is now set to run out of money in 2032, potentially triggering automatic cuts.
If you're lucky enough to have both a pension and a $1 million nest egg, your biggest threat isn't running out of money — it's not fully using what you have.
Today, I'm honored to welcome Bill Bengen to the podcast. Bill is widely known as the father of the 4% Rule and as one of the most influential retirement-income researchers in history. His groundbreak...
I've been lurking here for some time now. I'll be 68 in just a few months and for the past few years have gone on YouTube and some of the other retirement subreddits to figure out if my money would la...
Roger Whitney explores the idea that retirement always involves both excitement and uncertainty. While people spend years gathering information, running projections, and refining plans, there comes a ...
Retirement anxiety is rising in 2026 as Americans worry about inflation, healthcare costs, Social Security uncertainty, market volatility, and running out of money. Studies show many workers feel behi...
Adopt careful strategies to prevent running out of money and replace FORO with YORO.
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if ...
A skiing trip revealed a scary truth about retirement — we're so focused on making sure we don't run out of money, we don't think about running out of friends.
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...
Roger Whitney continues the decluttering series by focusing on the hidden challenges that keep people stuck. Rather than treating decluttering as a massive life overhaul, he explains how perfectionism...
Roger Whitney explores one of the most overlooked variables in retirement planning: longevity, and how assuming you’ll live too long can quietly force you to save more, spend less, and potentially mis...
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...
One of the biggest fears people carry into retirement is running out of money. But for many retirees, the greater risk is something else entirely. Running out of time. In this episode, James Conole, C...
What if waiting until you're "fully ready" for retirement is actually costing you some of the best years of your life? Topics covered in this episode: The controversial "retire at 80%" framework Why m...
The trust funds for Social Security and Medicare Part A seem likely to run out of money faster than was projected last year, the Congressional Budget Office estimates.
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 ...
Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies designed to replace your anxiety with clarity and control. I...
Instead of worrying about the markets and running out of money in retirement, you might consider buying an annuity that guarantees you a lifetime income.
Juan and Mary in Brooklyn are 49 and 48 with $2.2 million saved. Can Juan afford to retire early, or just walk away if he gets fired? And if they get divorced, yikes - but does the math still work? Th...
We asked wealth planners how to protect a nest egg when one spouse is a spendthrift.
The safe withdrawal rate says you can spend about 4% of your portfolio in retirement and not run out of money. But is that actually accurate? The post Should You Use a ‘Safe’ Withdrawal Rate? appeared...
Join us as we continue our "Anchors of Retirement Confidence" series, where we discuss four areas of retirement uncertainty plus strategies to replace your anxiety with clarity and control. In part 3,...
Once paychecks stop, it can be frightening to shift out of the savings habit. But there are strategies to enjoy your nest egg and make it last.
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money r...
A $10 million retirement is often imagined as the finish line — complete freedom, unlimited spending, and no financial stress. The reality is more complex. James walks through what an eight-figure ret...
A few weeks ago, Michael Green published a post where he argued that the poverty line for a family of four in the U.S. wasn't $32,100 in annual income (as currently claimed by the Department of Health...
I can't stand AI-assisted writing anymore. It's all over Substack. It's in my LinkedIn replies. It's everywhere. Like a disease slowly infecting our literary consciousness. I even see it from people w...
Bills don't stop once you retire — and you can't expect your Social Security checks to cover them all. Don't risk running out of money. Instead, make a plan....
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 if the real financial risk isn’t running out of money, but running out of time to use it well? In this episode, listen as James and Ari unpack a $14 million case study with concentrated inh...
On today’s episode of the Financial Independence Podcast,my buddy Grant from Millennial Moneyjoins me to talk about how he went from having $2.26 in the bank to $1.25 million in just 5 years, 3 ...
I’m convinced that if you wake up just one hour earlier every day for the next 10 years, you’ll not only accomplish far more, but also build significant wealth and unlock countless opportu...
The biggest question I hear from people planning for retirement is this: Am I going to run out of money before I run out of life? But here’s the thing, no matter how much you’ve saved, tha...
Don't be scared about running out of money, be prepared. This financial professional explains how you can help take control of three critical retirement risk factors with a little planning....
An increasing number of retirees fear running out of money and worry they don't have a plan for spending their nest eggs. There's a two-step plan to solve the problems....
Investing isn’t rocket science, but you wouldn’t know it based on how people talk about it. Half the advice out there sounds like it’s written for hedge fund managers, not regular pe...
Jeffrey and Cindy came to me with $3 million saved and one big question: How much can we actually spend in retirement? In this video, we walk through a retirement planning scenario—looking at sp...
Forget about spending four years in college just to end up broke and burned out. The truth is, a solid two-year degree can get you trained, hired, and earning real money faster than most traditional p...
Quit worrying about money and enjoy a carefree retirement. Sounds good, right? Well, if you follow these nine steps from a financial adviser, you could be on your way to that goal....
This investing method helps retirees avoid running out of money, even in a highly volatile market....
Inflation, taxes and Social Security are the three top concerns for retirees, according to the 2025 Allianz Annual Retirement Study...
Setting goals sounds nice. But most people treat it like a New Year’s resolution, something they talk about and never follow through. That’s why they stay broke, burned out, or both. Many ...
Thinking rich starts long before you have money in the bank. It starts in how you think about time, risk, effort, and freedom. That’s the difference between staying stuck and building something ...
Some people are broke because they don’t earn enough. Others stay broke because they keep spending like they’re trying to prove something. One choice at a time, they dig the hole deeper, a...
Retirement isn’t always beach walks and golf swings. For a lot of people, it’s more like checking the fridge and realizing the leftovers have to stretch until payday. That dream of freedom...