Retirement Planning Education, with Andy Panko

#160 - "Hot topics" edition...Andy and Lauren Hunt talk about the Social Security annual trustees report, the ever-increasing stock market, whether to take out loans or pay for things outright and MORE!

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Andy and Lauren Hunt from Daybreak Wealth share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: 

  • Their thoughts on the takeaways from 2025 annual Social Security Trustees report ( 7:17 )
  • Some of provisions in the pending One Big Beautiful Bill Act that are likely to impact most people's tax returns ( 16:12 )
  • Whether or not to get a loan or pay cash for a new car or house. Or, similarly, to pay down or pay off an existing loan ( 32:27 )
  • Whether buying a 30 year Treasury bond is a replacement for a traditional income annuity in retirement ( 38:19 )
  • When to consider getting a living/revocable trust ( 46:43 )
  • Why the stock market keeps chugging ever-upward, even with so much seemingly uncertain in the world and the economy ( 54:38 )
  • What longevity assumptions we use, and why, when doing financial planning and projections for client ( 1:07:45 )


Links in this episode:

  • Lauren's firm - Daybreak Wealth
  • Lauren's prior appearance on the Retirement Planning Education podcast - Episode #098
  • The 2025 Annual Social Security Trustees Report - here


To send Andy questions to be addressed on future Q&A episodes, email [email protected]


  • My company newsletter - Retirement Planning Insights
  • Facebook group - Retirement Planning Education (formerly Taxes in Retirement)
  • YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)
  • Retirement Planning Education website - www.RetirementPlanningEducation.com
...more
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Retirement Planning Education, with Andy PankoBy Andy Panko
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