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Most retirement advice quietly assumes you have a partner: two incomes, two Social Security checks, someone to split expenses with, someone to catch the slack if something goes wrong. But for singles,...
Retiring at 50 sounds bold, almost unthinkable for most people, but for Kent, it was the only decision that made sense once life, loss, and perspective pushed everything into focus. In this conversati...
? 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...
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...
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...
Solo aging in retirement is rising, especially among women, revealing hidden financial, emotional, and practical costs that demand smarter longevity planning....
What I faced in my first dental bill after retiring....
Hey everyone, I’m trying to get a better sense of what actual real-world returns people have experienced both before and after retirement — beyond the theoretical models and backtests. If ...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball withdrawal strategies, Roth conversion timing, and saving priorities for every stage of life, today on Your Money, Your Wealth® podcast numb...
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...
I retired about 4 months ago. We downsized to a single story with plans for it to be our forever home about 6 years ago. One bonus was the really large backyard for our urban/suburban area. But I&rsqu...
? 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...
I’m especially interested in what you think you did to that was key to you not regretting it, for example did you rent a property in the new location for a year or move to an area where you had ...
I am planning to retire (hopefully) soon, and I keep reading things that say I'll need 70% of my pre-retirement income, or 80%, or 90%. The idea being that you will lose some of the expenses related t...
Sometimes life throws curveballs, and you may end up retiring earlier than planned. In this episode, we dive into JP Morgan's data on why people retire earlier than expected and discuss how to prepare...
I was laid off abruptly from an executive position after the large corporation I was working for was acquired. I was 60 years old at the time, and since I had enough money saved I decided to simply re...
Don't want to run out of money in retirement? You need a retirement plan that accounts for income, market risk, taxes and more. Don't regret putting it off....
I've played with journaling (with a paper journaling book and a fountain pen) earlier in life, but never in a sustained way. But a few months after retiring, I started using a Journal app that comes f...
so, how do you like retirement? “ I’m always stunned when I hear this because it’s hard to know if they’re really serious. Morning. I loved my job and I loved my career. I was ...
For anyone born after 1937, full retirement is not 65. Yet every source I've consulted is written as if the default retirement AND Medicare age is 65, when now they are 2 different things. Husband and...
I am retiring at 62, and my last day is December 31 of this year. I made my announcement a couple of weeks ago and as it is now, I am kind of checked out. I have a lot of things to finish, but I feel ...
A little over three months ago I posted that my wife and I are retiring starting January 1, 2026. I'm 60 and she's 56. The days keep getting shorter. My wife loves her workplace and her job. She told ...
So next year is my last year of a great full time job. Once I retire I can't see myself not working a part-time job. What are some suggestions for a part-time job for an able body 67 year old male tha...
What if the riskiest move isn’t retiring too early, but waiting so long your best years pass by? This episode unpacks the real regrets of 909 retirees and the practical steps they wish they&rsqu...
Today on Your Money, Your Wealth® podcast number 549 with Joe Anderson, CFP® and Big Al Clopine, CPA, a comment on one of our YouTube videos sparks a dialogue between Joe and Big Al on the 4% ...
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...
If you want to foster strong friendships while improving your golf handicap, Florida's mega retirement community, The Villages, could be the perfect place for you....
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...
I am going back to my old work today to attend a co-worker’s last day party - plus I baked the cake for the event. I’ve only been retired now since early July but I feel very nervous about...
I have an American Express card I used for work expenses but now that I retiring I think it’s good to rethink how many cards I really need. I have a one card I use for United flights to get extr...
With Americans having fewer children and the baby boomer cohort rapidly retiring, it has been immigrants who have been shoring up the U.S. workforce. According to the Migration Policy Institute, U.S. ...
I feel weird about it. I’ve been at the same company for 33 years and retiring at 62. I’ve been there for over half my life! I’m looking forward to retirement and logically, I know t...
Hi everyone! We are still recovering from an exhausting travel week, which we will definitely share with you in future post, but now that we’re able to come up for air a bit, let’s do a re...
4% rule (and other "safe withdrawal" strategies) seem to assume you retire and start drawing SS at the same time. Guardrails appears to have the same assumption. On the other hand, many people recomme...
I'm planning to retire in 2 years with about $3 million in savings. The vast majority of this total is currently in tax deferred IRAs. Using the 4% rule, I expect to be withdrawing $120k annually, adj...
Most retirement plans focus on money alone, but the equation is incomplete without factoring in healthspan. Lifespan is how long someone lives, but healthspan is the number of years spent in good phys...
I've been retired for a few years from the fed govt and receiving healthcare via my FEHB, GEHA plan (terms familiar to federal workforce) I will soon be 65 and I've been reading a lot of comments else...
I have enjoyed working at our church for the last 18 years, but when I hit 63 earlier this year I started realizing I could retire. Always planning to work until I was at least 65, retiring early wasn...
My wife and I are both 68 and I'm still working fulltime until Nov 1 2025 ish. Have been spending time lately looking at monthly spending and have moved most of our assets over to Vanguard (lower cost...
My spouse and I are retiring soon and are in that mode of “our house is too big”, “our kids aren’t moving back home”, and “we don’t want to retire here”...
Getting mentally ready for retirement can be tough. The loss of your work identity, daily connections, and sense of purpose can make the transition difficult. Here are six steps to help you adjust....
When the numbers say you can retire, but you can’t step away. Many people with the financial means to retire keep working, telling themselves one more year will make the plan even stronger. But ...
After retiring 6 months ago I've finally had a work dream (or nightmare I suppose). It was pretty vivid actually. For context, I was a team leader in IT, and in the last decade or so had been working ...
Your 2035 retirement isn't just a date. It's a day in your life. Here's what your future self might do on the first day and how retirement will have changed....
My husband and I are thinking of moving from our home in Devon, UK. We have been there for 22 years and in Devon for 40. I'm retiring from teaching next year at 59 and he has just reduced to part time...
Retiring at 59+. I'm 58 and "retirement adjacent." I feel lucky but wonder, for those retired or close, what do you do all day? I don't have many hobbies and am unsure about my next chapter. I work ou...
? Show Notes In this episode, Roger Whitney welcomes elder law expert Kathy McNair to discuss the often-overlooked but crucial topic of elder care, especially for those retiring solo. They explore wha...
Daydreaming about retiring at 65? Use this checklist to see if you are ready....
Gen X is retiring soon. Are they ready? The outlook isn’t great. Gen X is the first generation to rely primarily on their own individual savings through 401(k)-like plans for retirement. They we...