Like what you heard in this episode? 🗓️ Schedule a Retirement Income Q&A call with Dr. Amanda:
calendly.com/rsf-dramanda/initial-consultation

🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool
✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog

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22. Retirement Income Paychecks & Playchecks | Tom Hegna #Annuities

In this episode of the Retirement Income School™, Dr. Amanda sits down with Tom Hegna — economist, author, and one of the most respected voices in retirement income planning. Together they discuss Tom’s books Paychecks and Playchecks and Don’t Worry, Retire Happy, covering the must-know strategies for creating guaranteed lifetime income, why longevity risk is “the mother of all risks,” and how to think about your go-go, slow-go, and no-go years. You’ll hear Tom explain why he personally owns 13 annuities, how annuity laddering can hedge against inflation, why life insurance is the most efficient way to pass wealth, and the four pillars of a financially relaxed retirement.

📚Purchase Tom Hegna's Books: 
Paychecks & Playchecks
Don't Worry Retire Happy
Who Wants to Be a Millionaire

Timestamps:
00:00 – Introduction & why Tom inspired Dr. Amanda’s work
02:00 – The “every day is Saturday” mindset in retirement
03:00 – Go-Go, Slow-Go, and No-Go years explained
04:00 – Why Tom owns 13 annuities and how he uses them
05:00 – Annuity laddering as an inflation hedge
06:00 – Research backing guaranteed lifetime income
08:00 – “Just in case” retirement vs. spending with confidence
09:30 – Why leave life insurance, not money, to your kids
11:00 – How much of your portfolio belongs in annuities
12:00 – Using whole life and Roth annuities for tax-free income
14:00 – IRMAA, Medicare premiums, and tax planning mistakes
15:00 – Insurance company safety and state protections
17:00 – Mortality credits: the “secret sauce” of annuities
19:00 – Why annuities often outperform bonds
20:00 – Understanding fees and spread products
23:00 – Longevity risk: the risk multiplier
25:00 – Seven steps to retire happy (book overview)
28:00 – Use your home equity wisely + wealth transfer with life insurance
29:00 – Tom’s takeaway: the four-step retirement formula
30:00 – Tom’s latest book for young adults: Who Wants to Be a Millionaire

🔗 Show Links

📅 Want to Find Out More?:
Schedule a Q&A Call with Dr. Amanda

💰 Join Us in the Retirement Income School™:
www.RetirementIncome.School

📽️ Watch Retirement Income School™ Content on YouTube:
www.youtube.com/@RetirementIncomeSchool

💰 Watch The Guaranteed Income Blueprint™:
www.retirementsolutionsfinancial.com/guaranteed-income-blueprint

📬 Contact Dr. Amanda:
Email: [email protected]
Phone: 1-866-444-2997
LinkedIn: @RetirementIncomeSchool

👩‍🏫 About Dr. Amanda

Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone.

She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and Social Security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence.

⚠️ DISCLAIMER

The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.