#506 - Should I Stop Contributing to My Pre-Tax Accounts?

What is the difference between a passion and an interest? Why is it important to have a passion in retirement? In the Bring It On segment with Mark Ross, we’re discussing passions. You’ve probably heard that it is important to have a purpose in retirement, but today you’ll learn how to develop your interests and turn them into passions.

You’ll also hear questions about when to stop contributing to pre-tax retirement accounts, what preferred stocks are, and whether QLACS can be used as QCDs. Press play to listen.

PodcastsRoger WhitneySeptember 27, 2023listener questions, financial planner, retirement accounts

#505 - What Is the Ideal Mix Between Before and After Tax Retirement Accounts?

Is there an ideal mix of before and after-tax retirement accounts? If so, what is it? In this episode, we’ll find out. We’ll also explore a number of other questions that have been eating away at listeners like you.

Check out this episode to listen to these listener questions and stick around until the end to hear Kevin Lyle’s relief at no longer having to keep up with the Joneses.

PodcastsRoger WhitneySeptember 20, 2023listener questions, energy, financial planner, retirement accounts

#504 - What Should I Consider When Transferring Investment Accounts?

What are you doing to make friends in retirement? Mark Ross and I explore this challenge in our Bring It On segment. Listen in to hear how I made a new friend this week and stick around to hear the listener questions and what you could be doing to improve your social life.

#503 - Should I Borrow Against My Investments to Buy a House?

Did you know that there is another way to borrow money to purchase a home that is not a mortgage? Larry is thinking about using a securities-based line of credit against his after-tax investment account to borrow to buy a house. Discover my opinion on this optimization question on this episode of Retirement Answer Man.

Listen in to also hear my August reads and learn about the importance of protein to keep strong as you age. Press play now.

PodcastsRoger WhitneySeptember 6, 2023listener questions, Roth, pretirement, alcohol, Dr. Bobby DuBois, book recommendations

#502 Should I Realign My 401K Now That I'm Retired?

To really rock retirement you have to have the right mindset. On this episode of Retirement Answer Man, Kevin Lyles and I noodle on the power of wonder. You’ll learn why it is important to have a sense of wonder and learn three tips for digging into your own sense of wonder.

PodcastsRoger WhitneyAugust 30, 2023listener questions, Kevin Lyles, wonder, 401k, asset allocation, rule of 55, FOMO

#501 - Historical vs. Projected Returns?

Should you use historical or projected returns in your retirement model? One of our listeners asks this question in a very eloquent way.

On this episode of Retirement Answer Man, I’ll spend some time on this question and share my thoughts on which type of model you should use. You’ll also hear the answers to several other listener questions before Kevin Lyles and I discuss tips for having successful conversations with your spouse in retirement.

#500 - 500 Episodes and Still Rocking

Thank you for hanging in with me for 500 episodes! Today’s episode will veer a bit from the norm as I pause to reflect on our journey and commemorate it with this milestone episode. Listen in to hear my reflections and thoughts from listeners about observations and the meaning of these past 500 episodes.

PodcastsRoger WhitneyAugust 16, 2023listener questions, Mark Ross, reflections

#499 - Should I Do a Roth Conversion?

Do you think the Roth conversion question is an essential part of retirement planning? If you do, you haven’t been paying attention to my podcasts!

In this episode of the Retirement Answer Man show, we’ll work through how you can build a framework for deciding whether you should do Roth conversions. If you listened to the Roth conversion series you can’t miss this episode.

PodcastsRoger WhitneyAugust 9, 2023listener questions, Roth, book recommendations, pro-rata rule, HSA, mindset

#498 - The Impact of Alcohol on Rocking Retirement

Are you much of a drinker? Studies show that 60% of Americans are, and an even greater percentage of college-educated Americans are. In this episode, Dr. Bobby Dubois and I reflect on the effects of alcohol on retirement. We’ll get into everything: the good, the bad, and the ugly.

PodcastsRoger WhitneyAugust 2, 2023listener questions, Roth, Alcohol, Dr. Bobby DuBois

#497 - The Rules for Roth Withdrawals

After listening to the past two episodes you now know how to make Roth contributions and conversions, that was the easy part.

Today we discuss the more complicated Roth rules for making withdrawals. To avoid unnecessary penalties and taxes you’ll want to make sure that you clearly understand the regulations surrounding Roth withdrawals. Listen to ensure that you don’t get caught unaware and needlessly get stuck paying avoidable taxes and fees.

#496 - The Rules for Roth Conversions

Many of us have missed the boat on Roth contributions, but we have another tool to get into Roths: Roth conversions.

If you have been curious about all the hype about Roths you won’t want to miss this series. This month we dive deeper into Roths. In episode 494 we discussed what Roths are, last week we dove into contributions, and this week we demystify conversions. Listen in to learn how you can use Roth conversions to upgrade your retirement.

#495 - The Rules for Roth Contributions

Instead of basing your retirement plan on wishful thinking, learn how to create a strategic retirement plan based on agency.

Today, and during this entire Roth IRA series, we’ll see how you can use Roths to enhance your retirement plan. Listen to this episode to hear whether you should be making Roth contributions to help fund your retirement.

#494 - The Roth Opportunity

If you’ve been wondering how Roth IRAs work in retirement you’ve come to the right place. All this month we’ll be exploring Roth IRAs–how they work, the 5-year rule, and the differences between Roth conversions and contributions and Roth IRAs and Roth 401Ks.

My goal with this series is to level the playing field so that you can understand the opportunities that Roths provide. On this episode, you’ll learn how you can use a Roth to enhance your retirement. If you are ready to start optimizing your retirement press play.

#493 - How Can I Reverse Taking Social Security?

There are so many questions that come with retirement which is why I focus on answering questions from listeners like you. As you listen to these questions and their answers consider how they fit into your ultimate objective. Listen in to learn why intent matters.

#492 - The KISS Concept for Investing Retirement

This podcast was created for you–not me. I’m here to help you think differently about retirement and find a concept or tool that will help you take action to rock retirement.

I do this by answering your questions and bringing you content that will open your mind and spur you to get started. If you have a question you would like me to answer, head on over to RogerWhitney.com/AskRoger to leave an audio or written question.

#491 - How Listener Mike is Finding His Purpose in Retirement

The oldest person is 120 years old, but they probably didn’t have a plan to live that long. Many people don’t have a plan for the decades between 60 and 120. Do you?

#490 - How Does the 5-Year Rule Work for Roth Conversions?

“If you are looking for someone to believe in, believe in yourself. The only authentic authority is your own original nature.” Vernon Howard

Are you ready to start believing in yourself enough to rock retirement? If you have been following this show, hopefully you are doing the work so that you can build the confidence to lean in and really rock retirement.

On this episode, we have a guest that may help guide and empower you to do the work that you need to do to rock retirement. You’ll also hear about what I’ve been reading, answers to listener questions, and how to use your toolkit to fit disease from Bobby Dubois in our Bring It On segment. Press play to feel empowered

#489 - The 8 Pillars of Rocking Retirement: Non-Financial - Passion and Relationships

It’s time to wrap up the eight retirement pillars with the final two non-financial pillars: passion and relationships.

In this episode, you’ll learn why happy people always have projects and what you can do to get started building your own passion projects. You’ll also learn why it is so important to develop intentional relationships. Discover these final two non-financial pillars for a rocking retirement.

#488 - The 8 Pillars of Rocking Retirement: Non-Financial - Energy and Mindset

Rocking retirement requires focusing on both the financial and non-financial aspects of retirement. In the previous two episodes we explored the four financial areas that help build a rocking retirement, and today, we begin to examine the non-financial areas starting with energy and mindset.

#487 - The 8 Pillars of Rocking Retirement: Financial - Resilience and Optimization

Rocking retirement requires getting your financial and nonfinancial ducks in a row. As we work through the 8 pillars of rocking retirement this month, we’ll explore both the financial and non-financial elements of retirement. This week, we’re reviewing the resilience and optimization stages of the financial side of retirement.

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