Retirement Answer Man

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Retirement Answer Maninactive

Publisher |: Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®

Media Type |: audio

Podknife tags |: Investing,; Personal Finance,; Retirement

Categories Via RSS |: Business,; Careers,; Investing

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, AIF® guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

People |: Roger Whitney (@roger_whitney)
Country Of Origin |: USA
Produced In |: Fort Worth, TX
Frequency |: Weekly
Explicit |: No

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487 Available Episodes (487 Total) / Average duration: 00:37:57

Date Duration Most Reviewed Highest Rated

487 Available Episodes (487 Total)Average duration: 00:37:57

Apr 19, 2023

00:49:33

If you are thinking about retiring in the next few years you’re probably wondering what the best tools are to help you plan. Finding the right retirement planning software can not only help you plan retirement but help put your mind at ease so that you can Rock Retirement!

One listener asks my opinion on the best retirement software to use. If you are curious about my answer you’ll press play.

In this episode, you’ll also hear about the books I read in March, an interview with Steven Chen from the New Retirement Calculator, and learn the benefits of creating horizontal relationships.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

BOOK REVIEWS

[1:30] Books I read in March

LISTENER QUESTIONS

[5:30] Which retirement software should I use?
[11:49] On using dividend investing to fund retirement
[20:19] On using indexed annuities with downside protection
[24:04] A recommendation for my wife, Shawna
[24:55] Looking for a financial planner that is a retirement consultant

STEVEN CHEN INTERVIEW ON THE NEW RETIREMENT CALCULATOR

[26:45] What New Retirement Calculator users think about
[33:06] Planning for the future
[38:36] What’s new with the New Retirement Calculator

BRING IT ON

[41:55] The benefits of creating horizontal relationships

TODAY’S SMART SPRINT SEGMENT

[47:10] Revisit your allocation plan

Resources Mentioned In This Episode

NAPFA

Garrett Planning Network

New Retirement Calculator

Money Guide Pro Elite

Financeware

BOOK - The Courage to Be Disliked by Ichiro Kishimi

BOOK - Make Your Bed by William McCraven

BOOK - Sea Stories by William McCraven

BOOK - Build by Tony Fadell

BOOK - Top Five Regrets of the Dying by Bonnie Ware

Morningstar’s The Long View Podcast - long-view.simplecast.com/episodes/roger-whitney-5XAMXqqD">Retirement Planning Is Not Financial Planning

answer-man.ck.page/4f90fb35ac">LiveWithRoger.com - Register for the webinar on May 11, 2023 to discover the 4 Phases of a Great Retirement Plan

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Apr 12, 2023

00:33:01

We continue our focus on you this month as we dive deeper into listener questions. Today we have a range of questions from various aspects of the retirement process.

If you have a question you want to be answered, head on over to RogerWhitney.com/AskRoger. You can type in a question or leave an audio recording–those are my favorites!

Listen in to learn how to work through the decumulation phase of retirement by developing a withdrawal plan that fits your needs.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

LISTENER QUESTIONS

[3:32] What are the advantages or disadvantages to using bond funds to create an income floor?
[9:21] How do I report a QCD on my income tax return?
[14:50] Can you contribute to a Roth IRA with only a 1099 income?
[16:00] On doing a series on grey divorce in the future
[17:14] Where to pull money from first in the decumulation phase
[23:04] Where to put your passwords

BRING IT ON

[28:20] Are we ever enough?

TODAY’S SMART SPRINT SEGMENT

[31:01] Confirm that your spouse knows your passwords

Resources Mentioned In This Episode

Everplans

1Pass

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Apr 05, 2023

00:49:35

All month long, I’ll be answering fantastic questions from listeners like you. Today, we’ll explore the steps you should take if you’re in your 50s and get laid off.

Have you ever thought about what you would do in this situation? Listen in to find out.

In the Bring It On segment, Dr. Bobby Dubois helps us understand the effects of stress and what we can do to combat stress so that we can live longer, healthier lives. You won’t want to miss his four exercises for working through everyday stressors.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

[3:38] Who is listening

LISTENER QUESTIONS

[6:38] In my fifties and laid off. What should I do?
[17:08] Is there a widows group within the Rock Retirement Club?
[18:11] What can retirees do to protect themselves from the effects of the government reaching the debt ceiling?

BRING IT ON WITH DR. BOBBY DUBOIS

[25:05] Another skill to keep you healthy
[27:45] Defining mind-body activities
[29:22] Defining stress
[34:22] Stress affects many areas of our lives
[38:35] What you can do to combat stress in your life
[44:20] How to try stress relieving exercises to see if they work for you

TODAY’S SMART SPRINT SEGMENT

[46:40] Assess your situation and do some basic triage

Resources Mentioned In This Episode

Wings for Widows

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Mar 29, 2023

00:44:05

Reimagining life after widowhood can be challenging. In the beginning, it may seem like something that is impossible to imagine. Even if life seems insurmountable at the beginning, it is crucial to remember that someday you will be able to enjoy life again. Just not yet. Yet is an important word. Yet helps you understand that things will not always be as they are now. Today you’ll learn how to change your mindset from I can’t do this to I can’t do this yet.

On this episode of Retirement Answer Man, you’ll hear wisdom from those who have traveled this same journey. They open up and share their financial and nonfinancial experiences. You’ll hear what has helped and what hasn’t, their challenges and triumphs, and how they have learned to power through and begin to create new dreams.

Listen in to hear these brave widows share their stories so you can understand that a new life after widowhood isn’t impossible. The power of yet can change your mindset and help you rebuild your dreams.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

WIDOWS LIVING A GREAT LIFE

[3:20] Emma has had difficulty navigating the nonfinancial side of widowhood
[9:30] It has taken time to reimagine her goals
[11:20] Insights from the financial side
[17:03] Mary needed time to grieve
[23:00] How Mary managed the project
[25:12] The nonfinancial side of widowhood
[28:20] The financial side of widowhood
[35:15] A new widow’s perspective

TODAY’S SMART SPRINT SEGMENT

[42:40] Think about how you can use the word yet to envision what is yet to come

Resources Mentioned In This Episode

BOOK - Getting Grit by Caroline Miller

Everplans

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Mar 22, 2023

00:52:24

Nobody wants to face life as a widow or widower. However, it is an unfortunate reality that many must face. Successfully navigating widowhood could be easier if you could prepare yourself in advance. In this Widowed in Retirement series, we aim to do just that.

Today you’ll learn how you can start life again on your own. Mark Trautman joins me again to discuss his experience moving forward after the death of your spouse. He touches on prioritizing actions to take, setting up a summarized retirement plan, and rebuilding your life as a single person.

While we didn’t have time for Listener Questions today, we have a bonus interview with Chris Bentley from Wings for Widows as well as a chat with Lori Mage in our Bring It On segment.

Listen in to learn what you can do to rebuild your life and begin again.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT A CHAT WITH MARK TRAUTMAN

[5:16] Our time is finite - make use of it
[7:42] Could people have reacted better?
[10:55] What were short-term actions
[18:02] A retirement plan summary document
[20:39] Going forward

A CHAT WITH CHRIS BENTLEY FROM WINGS FOR WIDOWS

[23:04] How he decided to create Wings for Widows
[31:52] Working with the financially illiterate
[38:02] How to plan for widowhood

BRING IT ON WITH LORI MAGE

[41:02] On relationships
[43:33] What Lori did to build a relationship with herself

TODAY’S SMART SPRINT SEGMENT

[50:30] When you mess up say it was a mis-take

Resources Mentioned In This Episode

Lori Mage

Heroic App

Wings for Widows

Foundation for Financial Planning

BOOK - The Leadership Challenge by James Kouzes

BOOK - After the Death of Your Spouse by Mike Piper

BOOK - Option B by Sheryl Sandberg

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Mar 15, 2023

01:01:33

If you are married, chances are you or your spouse will have to suffer through widowhood. The Widowed in Retirement series aims to help you navigate this difficult transition as best you can. Today, Mark Trautman joins me again to discuss how to work through the huge financial changes that result from losing a spouse.

There are myriad financial considerations to be aware of during this change, so this may be an episode that you want to bookmark to refer back to later or send to a friend in need. Press play to listen.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

[3:26] A common myth of widowhood
[5:11] What changes occur when you go from two to one
[9:27] Expenses don’t change
[16:44] Creating a new financial plan
[20:20] Tax planning
[25:25] Social Security benefits

LISTENER QUESTIONS

[36:55] A 59 ½ IRA withdrawal rule question
[38:52] How to calculate the 5-year rule for a Roth IRA
[40:27] How to handle the cash bucket in a down market
[45:03] Healthcare before Medicare

BRING IT ON WITH MARK ROSS

[49:11] What is passion?
[51:23] How to explore your passions
[55:15] Building boundaries around your passions so they don’t become work

TODAY’S SMART SPRINT SEGMENT

[58:45] Put dabble on your calendar

Resources Mentioned In This Episode

BOOK - After the Death of Your Spouse by Mike Piper

BOOK - Taking Stock by Jordan Grumet

BOOK - AARP Checklist for My Family by Sally Balche Hurme

BOOK - So Good They Can’t Ignore You by Cal Newport

BOOK - How to Think Like Leonardo Da Vinci by Michael Gelb

Everplans

Episode 477 - Navigating Life Changes

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Mar 08, 2023

01:17:20

Even though it is difficult to think about it, at some point, those of us who are married will have to think about one of you transitioning from two to one.

This week we’re exploring the nonfinancial impacts of this transition with someone who has walked this journey. Rock Retirement Club member, Mark Trautman shares his personal journey through his life-changing experience.

Mark shares the challenges and the tools that have helped him get through this heartbreaking part of his life so that he can move forward and rock retirement on his own.

After the main segment, you’ll hear our listener questions and then we’ll Bring It On with Dr. Bobby Dubois. Dr. Bobby will help us understand why sleep is so important and what we can do to improve the quality of our sleep. Don’t miss out on this important episode.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

[3:27] The more open you are the more you can deal
[7:58] What you lose when you lose a spouse
[11:38] Redefining goals after widowhood
[16:23] Dealing with grief
[21:33] Building community

LISTENER QUESTIONS

[31:20] My response to a scathing review on Retirement Plan Live
[34:54] Another Retirement Plan Live review
[37:28] How to replenish funds
[44:48] A question about Rosie’s HELOC loan
[46:31] Insight on huzzah!

BRING IT ON WITH DR. BOBBY DUBOIS

[48:41] Why is sleep so important
[51:52] How to improve sleep
[58:33] How to get to sleep
[1:04:30] Dealing with chronic pain and sleep

TODAY’S SMART SPRINT SEGMENT

[1:14:59] Use Bobby’s tips to experiment with your sleep

Resources Mentioned In This Episode

Examine.com

BOOK - Why We Sleep by Matthew Walker

Leeds sleep evaluation questionnaire

BOOK - Taking Stock by Jordan Grumet

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Mar 01, 2023

00:43:08

If you have been listening to this show for a while, chances are you already know how to rock your retirement. However, this can all change with the loss of a spouse. All of your best-laid plans change in an instant. That’s why this month we are focusing on going from two to one.

Learn how to navigate your mindset–transition from this sucks, to how I will work through this, to having a great life. Press play to listen.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

[5:47] Announcements
[6:44] Books I read in February

LISTENER QUESTIONS

[11:46] Roth conversions and taxes
[17:31] Roth conversions or capital gains?
[23:10] How to create a paycheck between ages 62-72

BRING IT ON WITH KEVIN LYLES

[29:12] Finding meaning and purpose in retirement
[38:52] Create a mission statement

TODAY’S SMART SPRINT SEGMENT

[41:05] Think about your mindset

Resources Mentioned In This Episode

Episode 310 - The Pie Cake

Andy Panko

BOOK - Traction by Gino Wickman

BOOK - Be 2.0 by Jim Collins

BOOK - Rethinking Positive Thinking by Gabrielle Oettingen

TV SERIES - SAS Rogue Heroes on MGM streaming

TV SERIES - Shrinking on Apple TV

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Feb 22, 2023

00:34:18

Life is what happens to us when we are busy making other plans. This is especially true during transitions. As I transition to adding a new segment to this show, it’s gotten a bit messy. It’s been a bumpy road and not everything has gone according to plan.

Listen in to hear how this applies to retirement planning. While you’re at it you’ll hear how to decide whether to rebalance a portfolio and how to nurture relationships. Press play so that you can start rocking retirement.

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

PRACTICAL PLANNING SEGMENT

[0:39] Life is happening now

LISTENER QUESTIONS

[5:35] Should I rebalance now?
[11:52] Selling rental properties
[16:13] Do I take the pension or the lump sum?

BRING IT ON WITH NICK KENNEDY

[21:28] The 4 quadrants of relational nutrients
[29:29] Take action and be present

TODAY’S SMART SPRINT SEGMENT

[31:50] Get the relational nutrient card and practice it

Resources Mentioned In This Episode

Pension or Lump Sum on YouTube

BOOK - People Fuel by John Townsend

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Feb 15, 2023

00:35:43

Do you ever feel like a curmudgeon when you hear about new technology? Listen in to find out what has me putting on my sourpuss hat this week.

We have a variety of interesting listener questions this week. Listen in to learn about purchasing brokerage CDs and CDs on the secondary market, how to decide whether to take the pension or the lump sum, and how to determine whether to become a 1099 contractor rather than a W2 employee.

In the Bring It On segment you’ll hear about what work looks like in retirement from Mark Ross. Spoiler alert: you can work in retirement!

OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

LISTENER QUESTIONS

[4:06] Brokerage CDs and CDs on the secondary market
[9:34] How to decide to take the pension or the lump sum
[14:38] What does huzzah mean?
[15:18] How to determine whether to become a 1099 contractor rather than a W2 employee

BRING IT ON WITH MARK ROSS

[22:31] What work looks like in retirement
[24:45] How to determine whether you should work in retirement
[28:49] 3 categories of work
[31:00] What you can do to help you determine your work in retirement

TODAY’S SMART SPRINT SEGMENT

[31:53] Download the Relational Nutrient Card

Resources Mentioned In This Episode

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement by Roger Whitney

Roger’s Retirement Learning Center

Apr 19 | 00:49:33

What Retirement Planning Software Should I Use?

Apr 12 | 00:33:01

How Do I Report a QCD on My Income Tax Return?

Apr 05 | 00:49:35

I’m in My Fifties and Got Laid Off. What Should I Do?

Mar 29 | 00:44:05

Widowed in Retirement: Wisdom from Those on the Journey

Mar 22 | 00:52:24

Widowed in Retirement: Creating a New You

Mar 15 | 01:01:33

Widowed in Retirement: Navigating Financial Changes

Mar 08 | 01:17:20

Widowed in Retirement: Navigating Life Changes

Mar 01 | 00:43:08

How to Rock Retirement on Your Own

Feb 22 | 00:34:18

Should I Rebalance My Portfolio Now?

Feb 15 | 00:35:43

What are Brokered CDs and How Do They Work?

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