The Retirement Answer Man® Show

Hitting the hot topics of life and retirement, right between the ears.

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#426 - How to Plan Your Agile Retirement: Stage 2 - A Feasible Retirement Strategy

#426 - How to Plan Your Agile Retirement: Stage 2 - A Feasible Retirement Strategy

“Our mind is dyed with the color of our thoughts”--unknown. If this is true, then how are you thinking about retirement in the right way? To have confidence in your retirement plan you need to be thinking about the things that you can control and focusing on what has the biggest impact on your life.

On this episode of Retirement Answer Man, you’ll learn how to create a feasible retirement strategy by analyzing your goals against where you are now. You’ll then learn about the three types of capital and how to build a net worth statement so that you can create a retirement plan of record. You won’t want to miss this important stage in developing your retirement plan, so press play now.

PodcastsRoger WhitneyMarch 16, 2022How to plan an agile retirement, feasible, Retirement plan of record, social capital, human capital, financial capital, social security, I-bonds

#425 - How to Plan Your Agile Retirement: Stage 1 - Your Vision

#425 - How to Plan Your Agile Retirement: Stage 1 - Your Vision

Retirement is a journey into the unknown that can be intimidating. This is why you need to build up confidence in your plan so that you can rock retirement. To build your confidence it is important to master the fundamentals which simply means that you must practice them over and over again.

Last week you learned to let go of the things that are out of your control and how to concentrate on working with the controllables by using an agile approach. This will give you the agency you need to prosper in retirement.

Today we’ll focus on developing an inspiring goal for your future. Over the rest of the month, we'll explore the pathways to get you to your goal. If you are ready to learn how to rock retirement press play now.

PodcastsRoger WhitneyMarch 10, 2022How to plan an agile retirement, decumulation, RMD, inherited IRA

#424 - How to Plan Your Agile Retirement: Why You Need to Be Agile

#424 - How to Plan Your Agile Retirement: Why You Need to Be Agile

We can be easily distracted by the bright shiny objects of retirement planning which is why it is important to master the fundamentals first. Understanding the fundamentals of retirement planning will help you to create a solid foundation so that you can cope with all of the uncertainty that retirement brings.

Here on the Retirement Answer Man show, I typically dive into the foundational concepts of retirement planning in bits and pieces by answering questions. However, I haven’t taken a deep dive into teaching the fundamentals here on the show.

Over the course of this 5 week segment, we will start at the beginning and explore the fundamentals of retirement planning in greater detail so that you gain a working knowledge that will give you the confidence to execute your plan. If you have been wondering what Agile Retirement Management is this is the perfect time to press play.

PodcastsRoger WhitneyMarch 2, 2022How to plan an agile retirement, retirement fundamentals, life insurance, agile approach

#423 - What Investments Help Protect Me from Inflation?

#423 - What Investments Help Protect Me from Inflation?

Welcome to the last episode in the 4 part series on inflation in retirement. If you are just now joining in, consider heading over to the first episode in this series which covers what inflation is and how to measure it. The second installment discusses the ways that inflation impacts retirement and the previous episode helped you build a framework for combating inflation in your retirement plan.

PodcastsRoger WhitneyFebruary 23, 2022inflation in retirement, investment, I-bonds, TIPS, money market, Kevin Lyles

#422 - How Do I Manage Inflation Risk?

#422 - How Do I Manage Inflation Risk?

Inflation will affect your retirement one way or another. It’s up to you to create a strategy to manage that risk. On this episode of Retirement Answer Man, you’ll learn how you can build your own strategy to deal with the creeping risk of inflation.

In the past two episodes, you learned what inflation is and how it can affect your retirement. Next week you’ll learn how to use tactics to tweak your strategy to optimize it for specific situations, but first, let’s go learn how to come up with your own plan to combat inflation.

PodcastsRoger WhitneyFebruary 16, 2022inflation in retirement

#421 - How Will Inflation Impact My Retirement?

#421 - How Will Inflation Impact My Retirement?

Inflation is on everyone’s mind these days. If you have been wondering how inflation will affect your retirement, you’ve come to the right place.

This is the 2nd episode in a 4 part series on inflation. Last week we defined inflation, today, we’re discussing the impact of inflation on retirement, next week we get strategic, and in the final episode, we’ll get tactical and answer your questions on inflation.

Press play to learn what you need to know about the effects of inflation on your retirement.

PodcastsRoger WhitneyFebruary 9, 2022inflation in retirement, retirement assumptions, bonds

#420 - How to Manage Inflation in Retirement: What Is Inflation and How Is It Measured?

#420 - How to Manage Inflation in Retirement: What Is Inflation and How Is It Measured?

Inflation is quite the buzzword lately. Every news network reports that inflation is on the rise which is apparent at the grocery store, the car dealerships, and even in the housing market. If you are planning on retiring soon, worries about inflation could keep you up at night. This is why over the next 4 weeks, we are going to study how to manage inflation in retirement.

Today you’ll learn what inflation is and how it is measured. In week two of this series, we’ll discuss how inflation affects retirement, the following episode will study how to manage inflation from a strategic level, and our last episode on this topic will explore the investment vehicles that are available to help protect our portfolios against inflation.

PodcastsRoger WhitneyFebruary 3, 2022inflation in retirement, Andy Panko, Roth

#419 - Retirement Plan Live: Establishing a New Life

#419 - Retirement Plan Live: Establishing a New Life

We learned in the first episode of Retirement Plan Live that Joelle and her husband Mike had moved to a new area to pursue their retirement dreams. Joelle and Mike are now learning how to build community and purpose in their new home. Listen in to learn how Joelle plans to make social connections and find purpose in retirement as she creates her new life.

PodcastsRoger WhitneyJanuary 26, 2022retirement plan live, Joelle, relocation, friends, social security, Roth, financial planner, HSA

#418 - Retirement Plan Live: Creating Our Retirement Paycheck

#418 - Retirement Plan Live: Creating Our Retirement Paycheck

As you embark on your retirement journey, life’s question changes from what can you do to what will you do? You have so many choices that are available to you that the question of what to do next can be daunting. I explore these questions with Michael Bungay, author of the new book, How to Begin.

Michael’s interview isn’t the only thing that’s in store for you today on the Retirement Answer Man show. This is the third installment of Retirement Plan Live with Joelle. Last week Joelle shared her dreams for retirement, so today we crunch some numbers to see how she will create her retirement paycheck. Make sure to sign up for the webinar on January 27 to see whether Joelle’s retirement will be feasible.

PodcastsRoger WhitneyJanuary 19, 2022retirement paycheck, Joelle, Michael Bungay Stanier

#417 - Retirement Plan Live: Dreams for Our New Home

#417 - Retirement Plan Live: Dreams for Our New Home

Welcome to the second installment of Retirement Plan Live. This is the episode where we run the initial numbers for Joelle’s retirement. We’ll walk through the 3 categories to define Joelle’s base needs, wants, and wishes and put number values to each of these areas.

In addition to the interview with Joelle, you’ll hear listener questions about how to feel comfortable about retirement, converting 401Ks to Roth IRAs, and how my personal journey finding health insurance has turned out.

As a bonus, you’ll hear an interview with Joe Saul-Sehy from the Stacking Benjamins podcast who has written a new book called Stacked. Listen in to hear if it is worth the read.

PodcastsRoger WhitneyJanuary 12, 2022Joe Saul-Sehy, relocation, RPL, retirement plan live, Joelle

#416 - Relocation for Retirement: Why We Moved

#416 - Relocation for Retirement: Why We Moved

A new year means a new Retirement Plan Live! Over the course of the next 4 episodes, you’ll hear about Joelle and Mike and their plans for their recent retirement. Then, at the end of the month on January 27, we’ll wrap RPL up with a live webinar that you can participate in. Head on over to LiveWithRoger.com to register.

On this episode, you’ll learn about Joelle and Mike’s thought process on moving to a different state for their retirement. You’ll also hear from Kevin in Coach’s Corner as he explains his Zero Based Budgeting process. This episode is jam-packed with information including one correction to an answer that I recently gave to a listener question. Press play to listen now.

PodcastsRoger WhitneyJanuary 5, 2022relocation, RPL, retirement plan live, Joelle, Kevin Lyles

#415 - Is Cryptocurrency a Good Investment for My Retirement?

#415 - Is Cryptocurrency a Good Investment for My Retirement?

Do you own any cryptocurrency? First introduced in 2009, Bitcoin and other cryptocurrencies have exploded in popularity over the past few years.

On this episode of Retirement Answer Man, we’ll discuss what cryptocurrency is, how it is revolutionizing the banking system and the drawbacks of this new type of currency. Listen in to learn whether you should add a bit of crypto to your retirement portfolio and you’ll also hear the answers to listener questions about IRA contributions and IRMAA surcharges.

PodcastsRoger WhitneyDecember 29, 2021cryptocurrency, investing, ACA, IRMAA

#414 - How Will I Estimate What My RMD Will Be at Age 72?

#414 - How Will I Estimate What My RMD Will Be at Age 72?

Do you have a system for estimating what your future RMDs will be? Should you keep a mortgage or pay off the balance of your house in retirement? What should you do with the money that you withdraw to fill up your tax bracket? These are just a few of the questions that will be answered on this episode of Retirement Answer Man. Press play to check it out!

PodcastsRoger WhitneyDecember 22, 2021RMD, tax brackets, IRA, mortgage, 401k

#413 - Are I-Bonds a Smart Investment for My Retirement Portfolio?

#413 - Are I-Bonds a Smart Investment for My Retirement Portfolio?

Do you have a net worth statement that you update regularly? Whether or not you do, you’ll want to learn about the psychological benefits that this exercise can create. In this episode of The Retirement Answer Man show, we’ll discuss what a net worth statement is and how you can gain from creating one regularly.

You’ll also hear several listener questions that range from inherited IRAs to I-bonds, to SPIA annuities. If you are interested in rocking retirement, you’ll need to arm yourself with the knowledge to help you navigate this change in life. Listen in to get started on your retirement education journey.

PodcastsRoger WhitneyDecember 15, 2021investment portfolio, net worth statement, I-bonds, SPIA, IRA

#410 - The Mechanics of Decumulation

#410 - The Mechanics of Decumulation

How do you pivot from a moderately aggressive portfolio in the accumulation stage of retirement planning to the decumulation stage? In today’s episode, we tackle two listener questions about the mechanics of decumulation in retirement planning. You’ll also hear a question about using QLACs to reduce RMDs. If you are wondering about the details on how exactly you are going to make this retirement thing work then be sure to press play.

PodcastsRoger WhitneyNovember 24, 2021decumulation, QLAC, taxes

#409 - Reflections on the Retirement Scene

#409 - Reflections on the Retirement Scene

We often have monthly themes to guide the topics of this show, but this month on Retirement Answer Man we are doing a bit of a mishmash. Today I want to share some thoughts I had on retirement in general and answer a few retirement questions. As you listen, think about which topics apply to you and your situation and see if you can come up with actions that can get you closer to your retirement goals.

PodcastsRoger WhitneyNovember 17, 2021retirement reflections, frugality, overcoming frugality, feasible, resilient, optimized, retirement planning