Shows / Stay Wealthy Retirement Podcast
Stay Wealthy Retirement Podcast
Retirement is too important to leave to guesswork, headlines, or conflicting advice. The Stay Wealthy Retirement Show is an award-winning retirement podcast designed to help you make smarter decisions with your money, reduce taxes, invest wisely, and create a retirement income plan you can trust. Want to avoid overpaying the IRS in retirement? Prepare for the next stock market downturn? Optimize retirement timing? Turn your investments into reliable income without second-guessing every…
Episodes
- Stay Wealthy Retirement Podcast
8 Stealth Taxes That Can Leave the IRS a Tip (And How to Avoid It)
Most retirees have a general idea of which tax bracket they're in. But that bracket doesn't always tell you what your next dollar of income really costs. Cross…
- Stay Wealthy Retirement Podcast
The $450,000 Celebrity Scam (Plus Your Passkey Questions, Answered)
On Christmas Day, a woman picked up her 74-year-old mother's phone and found messages from someone she didn't recognize. What she uncovered had been unfolding…
- Stay Wealthy Retirement Podcast
Why the S&P 500 Isn't Enough Once You Retire (And 5 Tax-Smart Steps to Diversify)
Warren Buffett has shared exactly how the money his family inherits should be invested: 90% in a low-cost S&P 500 index fund and 10% in short-term government…
- Stay Wealthy Retirement Podcast
Is Social Security Going Broke? (And 6 Other Myths Worth Unlearning)
Last week, I explained why waiting until 70 to claim Social Security deserves a closer look, even when it makes sense on paper. Weighing that decision depends…
- Stay Wealthy Retirement Podcast
The Case for Claiming Social Security Early (Even If You Can Afford to Wait)
If you've researched when to claim Social Security, you've probably heard to wait until age 70. And there's good reason for that advice. Waiting means a larger…
- Stay Wealthy Retirement Podcast
Why Your Charitable Deduction Can Disappear (Even With a Receipt)
📥 Grab Your Free Charitable Giving Planning Resources: Charitable giving can be simple, but the tax and planning decisions behind it often are not. Get four…
- Stay Wealthy Retirement Podcast
3 Things RMD Timing Actually Affects (And How to Choose Your Schedule)
Once required minimum distributions begin, the IRS decides how much comes out of your IRA each year. But it doesn't decide when... You can take it all in…
- Stay Wealthy Retirement Podcast
Are You Really Behind on Retirement? 2 Studies Disagree (46% vs. Under 20%)
One multi-decade study suggests nearly half of working households may be at risk of falling short in retirement. But another respected study found that fewer…
- Stay Wealthy Retirement Podcast
Your Plan Says Spend — Your Gut Says No (5 Questions to Ask Instead)
Most retirement planning treats the transition like a single event. But in reality, you're navigating THREE different shifts at the same time. And while…
- Stay Wealthy Retirement Podcast
8 Investing Numbers That Shape Whether Your Nest Egg Outlives You
You've spent decades building a nest egg large enough to fund the retirement you want. The next challenge is making sure it can support that same lifestyle for…
- Stay Wealthy Retirement Podcast
The 4 Retirement Income Styles (And How to Find Yours)
Two retirees can have the same age, the same nest egg, and the same monthly expenses. Give them the exact same retirement income plan, and one may feel…
- Stay Wealthy Retirement Podcast
Do You Really Need $1.5 Million to Retire?
Americans now say they need $1.5 million to retire comfortably, according to a recent survey. That's nearly 60% higher than the "magic number" reported roughly…
- Stay Wealthy Retirement Podcast
3 Spending Surprises From J.P. Morgan's Study of 5 Million Retirees
Last week, I made the case that many retirees can safely spend more than their plans suggest. Today, the largest bank in the country puts that idea to the…
- Stay Wealthy Retirement Podcast
NEW RESEARCH: Your Plan Is Overestimating Retirement Costs (by 20%)
Most retirement plans assume your spending will rise with inflation every year for the rest of your life. But a new study tracking thousands of American…
- Stay Wealthy Retirement Podcast
5 Steps to Protect Your Aging Parents' Money (Before It's Too Late)
📥 Grab Your Free Estate Planning Resources: Helping an aging parent with their money is a responsibility few families are prepared for. Get three practical…
- Stay Wealthy Retirement Podcast
Can $5M in T-Bills Safely Fund Your Retirement? (History Says No)
Kevin O'Leary says you only need one thing to retire safely: $5 million in Treasury bills. Not stocks. Not real estate. Just T-bills — and you've "safeguarded…
- Stay Wealthy Retirement Podcast
Why Great Savers Struggle to Spend (5 Steps to Fix It)
Research shows that retirees following traditional withdrawal rules rarely come close to depleting their portfolios. In fact, many end up leaving behind…
- Stay Wealthy Retirement Podcast
6 (Counterintuitive) Facts About Retirement, Investing, and Longevity
Today, we're stepping away from the spreadsheets, tax strategies, and retirement tactics to have a little fun. I'm sharing six facts that challenge…
Stay Wealthy Retirement PodcastRetirement Replay: The Five Things Happy Retirees Have in Common
A strong financial plan can tell you whether you can retire, but it may not tell you whether you'll feel ready. In this Retirement Replay, behavioral finance…
- Stay Wealthy Retirement Podcast
Why $4M Still Doesn't Feel Like Enough to Retire (Listener Q&A)
At 63, David has $4 million saved. Two advisors have told him he's ready to retire, and every Monte Carlo simulation agrees... but he still can't bring himself…
- Stay Wealthy Retirement Podcast
Why Investors Bet 65% on a Familiar Fund Name (Even When the Investments Are Identical)
Imagine I hand you two mutual funds and ask how you'd split your money. Same holdings. Same cost. Line by line, they're the exact same fund. The only…
- Stay Wealthy Retirement Podcast
Why Saving for Your Future Self Won't Buy a Better Retirement (And What Will)
You spend 30 or 40 years protecting your future self. Then you finally retire... and the person you were saving for never quite arrives. There's always an…
- Stay Wealthy Retirement Podcast
The 3 Questions That Reveal Your Real Inflation Risk in Retirement
When inflation makes headlines, it can feel like one of those retirement risks you just have to endure. Saving, investing, tax planning, income strategy…
- Stay Wealthy Retirement Podcast
5 Umbrella Insurance Mistakes That Leave Retirement Savers Exposed
Umbrella insurance isn't usually the first thing people think about when they picture retirement planning. Most conversations focus on saving enough, investing…
- Stay Wealthy Retirement Podcast
Why 2 Retirees With the Same $1M Plan Ended $3M Apart
Two retirees. Same $1 million portfolio. Same 60/40 allocation. Same 4% withdrawal rate. Same 30-year retirement. The only difference? One retired in 1973. The…
- Stay Wealthy Retirement Podcast
The Real Reason Wealthy Retirees Still Wake Up Anxious (And the 4 Pillars That Fix It)
Many retirement savers assume the anxiety will lift once they hit a certain number. Maybe it's $1 million. Maybe $2 million. Maybe $5 million or more. And then…
- Stay Wealthy Retirement Podcast
Why Waiting Until 70 for Social Security Can Backfire (And the Question to Ask Instead)
The math behind "wait until 70" for Social Security is real. Hold off claiming from 62 to 70 and your monthly benefit climbs by roughly 77%. So why would…
- Stay Wealthy Retirement Podcast
3 Things to Review on Your Tax Return (And a Fresh Take on Social Security Timing)
Tax season is finally over. The returns are filed, the stress is behind you, and the last thing you probably want to do is think about taxes again. But the…
- Stay Wealthy Retirement Podcast
The Most Overlooked Retirement Decision (It's Not Your Portfolio)
One of the biggest decisions you'll make in your 70s and 80s has nothing to do with your portfolio. It's not about Social Security timing. And it's not about…
- Stay Wealthy Retirement Podcast
The 6-Digit Code That Can Drain Your Retirement Account (And How to Stop It)
According to the FBI, Americans lost nearly $21 billion to cyber-enabled fraud last year—a 26% increase from the year before. And the single largest category?…
- Stay Wealthy Retirement Podcast
The Real Cost of a Financial Advisor (And Why the 1% Math Is Misleading)
A viral claim keeps making the rounds: that a 1% advisory fee will drain hundreds of thousands of dollars from your retirement savings. The math looks…
- Stay Wealthy Retirement Podcast
Why the Happiest Retirees Spend Their Money Differently
Saving for retirement is one challenge. Feeling comfortable (and confident) enough to actually enjoy it is another. Even when the numbers say you're okay…
- Stay Wealthy Retirement Podcast
Why 59% of Stocks Destroy Wealth (And What Smart Retirees Do About It)
If you're in or near retirement, one bad investment decision can have lasting consequences. And new research shows just how risky stock picking can be: Over…
- Stay Wealthy Retirement Podcast
The Roth Conversion Rule Almost Nobody Explains Correctly (4 Scenarios That Make It Simple)
Now that the One Big Beautiful Bill Act has made the 2017 tax rates permanent, more retirees are taking a fresh look at Roth conversions. But there's one rule…
- Stay Wealthy Retirement Podcast
5 Withdrawal Strategies to Boost Retirement Income (And How High You Can Really Go)
📝 Note: The 6.5% withdrawal rate is based on an 80% stock portfolio, a 30-year time horizon, and a 90% "confidence score." Thanks for your patience while we…
- Stay Wealthy Retirement Podcast
Why Healthcare Before Medicare Shouldn't Stop You From Retiring Early
Health insurance is keeping millions of Americans stuck in jobs they'd otherwise leave. In fact, 1 in 5 workers ages 50–64 say they're staying put because of…
- Stay Wealthy Retirement Podcast
The Retirement Income Mistake That Costs Investors Up to 6% Per Year
For 30 or 40 years, a paycheck simply showed up. Then one day, it stops. Now you're staring at a portfolio and asking: "How do I turn this into reliable income…
- Stay Wealthy Retirement Podcast
The Retirement Risk That Changes Everything
Markets move every day. Headlines change every hour. But the greatest threat to your retirement plan isn't volatility... it's something far less visible. In…
- Stay Wealthy Retirement Podcast
Why a Stock Market Crash Won't Ruin Your Retirement (and What Actually Will)
Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one…
- Stay Wealthy Retirement Podcast
Annuities Explained: When Guarantees Help—and When They Hurt Your Retirement
Annuities are often sold as a simple solution to a complicated retirement problem. Guaranteed income. Protection from market volatility. Peace of mind that…
- Stay Wealthy Retirement Podcast
The Best Investment for Your Retirement (It's Not What You Think)
What makes an investment "good?" It seems like a straightforward question, but the answer is more subjective than most people realize. Recently, my wife asked…
- Stay Wealthy Retirement Podcast
What Happens to Your Taxes When a Spouse Dies (And How to Plan Ahead)
After decades of filing taxes together, most couples assume their retirement plan will continue largely unchanged if one spouse passes away. But for many…
- Stay Wealthy Retirement Podcast
How to Use 2026 Market Outlooks to Plan for Retirement
Every year, Wall Street rolls out its market predictions. Targets get published, expectations get set, and the headlines make it sound like the future is just…
- Stay Wealthy Retirement Podcast
2026 Tax Changes Explained (Including 2 Rules Causing Confusion)
Every January, we go through the same routine. Limits adjust, brackets shift, and most years it's just a quick refresh. But 2026 is different. Sweeping tax…
- Stay Wealthy Retirement Podcast
The 7 Questions That Shape a Confident Retirement
After decades of saving and doing the right things, most people expect retirement to feel clear. But for many, it doesn't. Not necessarily because they didn't…
- Stay Wealthy Retirement Podcast
7 Investing Facts Every Retirement Saver Needs to Hear
It's that time of year again—time to step back from the complex tax strategies, Roth conversion debates, and retirement planning deep dives… and have a little…
- Stay Wealthy Retirement Podcast
3 Tax Planning Strategies Most Retirement Investors Overlook
💥 Download the freshly updated 2026 Tax Planning Cheat Sheet (PDF): www.youstaywealthy.com/cheatsheet *** Most year-end tax advice is generic... max out your…
- Stay Wealthy Retirement Podcast
"Happy Thanksgiving (Yes, Even the Jerks)": Wisdom from Warren Buffett
The Oracle of Omaha is officially "going quiet." In a rare and deeply personal announcement, Warren Buffett published what appears to be his final press…
- Stay Wealthy Retirement Podcast
The S&P 500 Trap: Why the "Safe" Choice Is Actually Risky for Retirees
"Just buy the index." It's the simple advice that built your wealth and got you to the finish line. But here's what often gets overlooked: The strategy that…
- Stay Wealthy Retirement Podcast
Why Retirees Fear Running Out of Money — Even Though They Rarely Do
Everyone fears running out of money in retirement—even millionaires. What most people don't realize is that research shows most retirees rarely spend down…
- Stay Wealthy Retirement Podcast
The Truth About Long-Term Care Insurance (and When to Buy It)
Sales of "traditional" long-term care insurance have fallen 92% since 2002. Meanwhile, hybrid policies have surged to over 500,000 sales a year. But which…
- Stay Wealthy Retirement Podcast
Long-Term Care: A 5-Step Process to Determine If You Can "Self-Fund"
You've heard it before—70% of Americans over 65 will need long-term care. While that number is technically true, it's also misleading. Because here's what many…
- Stay Wealthy Retirement Podcast
8 Red Flags You're About to Get Scammed
Americans lost a record $16 billion to scams in 2024—nearly 40% from investment fraud alone. The trend is moving in the wrong direction. In this episode, I…
- Stay Wealthy Retirement Podcast
6 Reasons Why Delaying Social Security Might Hurt Your Retirement
Most experts say the smartest Social Security move is to wait until age 70 to claim. On paper, the logic seems simple—delay claiming, and you'll lock in a…
- Stay Wealthy Retirement Podcast
7 Signs You're Closer to Retirement Than You Think
We've been told our whole lives that retirement happens at 65—maybe 62 if you're lucky. But in my experience, that traditional timeline isn't always the…
- Stay Wealthy Retirement Podcast
Medicare's Future: Rising Costs, Fewer Perks, and Hidden Traps
Even if you're not on Medicare right now, chances are someone you love is—and sooner or later, you'll face those decisions yourself. That's why it's worth…
- Stay Wealthy Retirement Podcast
Life Insurance Simplified: Smart Strategies for Protecting Your Retirement
Despite making insurance decisions almost daily, many retirement savers don't truly understand what they're buying or why they need it. In today's episode, I'm…
- Stay Wealthy Retirement Podcast
How to Avoid Retirement's Biggest Blind Spots Before It's Too Late
Retirement is about so much more than money—it's a complete life transition. In this episode, I'm sharing my recent conversation with Adam Cmejla, where we…
- Stay Wealthy Retirement Podcast
RMDs Unpacked: The Math Behind Your Required Distributions (and Tax Strategy)
Required Minimum Distributions (RMDs) could force you to withdraw as much as 15% of your retirement account balance in a single year. But do RMDs really put…
- Stay Wealthy Retirement Podcast
Why the New Target Retirement Age Is 58 (And How You Can Do It Too)
Is retiring in your 50s actually realistic for everyday Americans? According to a recent NerdWallet survey, the average target retirement age for households…