The conversation between Wendy Green and Phyllis Jo Kubey delves deep into the often-overlooked complexities of tax management for retirees. Kubey, with her extensive background in tax preparation and planning, illuminates the intricacies of how retirement income is taxed and the common pitfalls retirees face.

One surprising revelation is that up to 85% of Social Security benefits can be taxable, a point that many retirees may not anticipate. Kubey explains the thresholds that trigger taxation on Social Security and emphasizes the need for careful planning to manage adjusted gross income, which can affect various tax benefits and deductions.

The episode not only addresses the technical aspects of tax management but also encourages listeners to adopt proactive strategies, such as systematically converting traditional IRAs to Roth IRAs, to optimize their tax situations in retirement.

By weaving personal anecdotes and practical tips throughout the discussion, the episode provides a comprehensive framework for listeners to approach their retirement finances with confidence.

• Phyllis Joe Kubey shares her unexpected journey from a voice student at Juilliard to becoming a tax influencer and planner.
• Understanding the taxation of Social Security is crucial, as up to 85% can be taxable depending on total income.
• Planning for taxes in retirement should start early, ideally by managing withdrawal strategies from various income sources.
• The importance of adjusted gross income cannot be overstated, as it affects various deductions and thresholds.
• Retirement income strategies should include tax diversification to minimize tax liabilities over the long term.

• Fit Strong Women Over 50 Podcast
• Red Cross disaster relief
• United Way of NC disaster relief fund
• Catholic Charities Hurricane Helene response
• Greenwood Capital

Learn more about Greenwood Capital or find resources at www.GreenwoodCapital.com. Boomer Banter is sponsored in part by Greenwood Capital Associates, LLC. Greenwood Capital Associates, LLC is an SEC Registered Investment Advisory firm with offices in Greenville and Greenwood, SC. As a fiduciary firm, Greenwood Capital is obligated to disclose any potential conflicts of interest with this arrangement. The host of “Boomer Banter”, Wendy Green, is a client of Greenwood Capital, and her show “Boomer Banter” has been compensated for her testimonial through Greenwood Capital’s sponsorship. Greenwood Capital is a Legacy sponsor at the stated rate of $2,600 for the 2025 calendar year.

States that tax SSA benefits - https://www.nerdwallet.com/article/investing/social-security/which-states-tax-social-security-benefits

Social Security Guru - https://marybethfranklin.com/

Schwab article on QCDs - https://www.schwab.com/learn/story/reducing-rmds-with-qcds

IRMAA for 2025 - https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles

Journal of Accounting article on HSA strategies https://www.journalofaccountancy.com/news/2023/jan/9-facts-hsa-that-might-surprise-your-clients.html

IRMAA appeal article - https://www.ncoa.org/article/how-to-request-an-adjustment-to-your-irmaa-medicare-premium/

IRMAA appeal SSA webpage - https://www.ssa.gov/medicare/lower-irmaa

Understanding the nuances of financial planning is crucial, particularly in the face of unexpected life events that can derail one's financial stability. This podcast episode features an in-depth conversation with Melissa Bane, CPA & CFP, who offers valuable insights into preparing for the unforeseen and protecting one’s financial future.

Our host, Wendy Green, opens up about her personal experiences with family emergencies and natural disasters, using these anecdotes to frame the broader discussion on the unpredictability of life.

Melissa stresses the importance of an emergency fund, recommending that individuals save between six to twelve months' worth of expenses to create a financial buffer. This safety net not only provides peace of mind but also empowers individuals to avoid relying on credit in times of crisis.

The discussion then transitions into the realm of insurance, where Melissa elaborates on the critical role it plays in a comprehensive financial strategy. She explains the different types of insurance, such as life and disability insurance, and how they can safeguard against unexpected financial burdens.

Melissa emphasizes that while it is essential to protect oneself, there must also be a balance when it comes to helping family members, particularly adult children who may be facing their own financial challenges.

The episode encourages listeners to think critically about their financial goals and the strategies they employ as they approach retirement. Melissa’s expertise shines through as she guides the audience through the labyrinth of financial planning, offering practical advice that is both applicable and actionable. This episode serves as a reminder that while life may be unpredictable, with the right preparations, individuals can navigate their financial journeys with confidence.

Takeaways:

• An emergency fund serves as a financial cushion for unexpected events, ideally covering six to twelve months of living expenses.
• Health issues and job loss are common unexpected events that can impact financial stability and require careful planning.
• Insurance plays a crucial role in protecting your nest egg from potential health and disability events that may arise unexpectedly.
• It's important to live beneath your means and save the difference to build a solid financial foundation.
• As individuals near retirement age, reducing risk in investment portfolios becomes increasingly vital to avoid financial strain during market downturns.
• Having conversations about long-term care preferences with family members can alleviate stress and ensure that wishes are known.

Links referenced in this episode:

• Greenwood Capital

Learn more about Greenwood Capital or find resources at www.GreenwoodCapital.com. Boomer Banter is sponsored in part by Greenwood Capital Associates, LLC. Greenwood Capital Associates, LLC is an SEC Registered Investment Advisory firm with offices in Greenville and Greenwood, SC. As a fiduciary firm, Greenwood Capital is obligated to disclose any potential conflicts of interest with this arrangement. The host of “Boomer Banter”, Wendy Green, is a client of Greenwood Capital, and her show “Boomer Banter” has been compensated for her testimonial through Greenwood Capital’s sponsorship. Greenwood Capital is a Legacy sponsor at the stated rate of $2,600 for the 2025 calendar year.

• Fit, Strong Women Over 50 podcast and The Becoming Elli community

Boomer Banter delves into the journey of rediscovering vitality and purpose in the later stages of life. Our host, Wendy Green, shares a personal narrative that begins with a life-altering layoff just before the tragic events of September 11, 2001, which sets the stage for a transformative career pivot. After several months of searching for employment, she finds work at a Sylvan Learning Center, where a passion for working with children blossoms. This experience leads to the acquisition of a KidzArt franchise, which not only earns accolades but also provides a sense of community impact and personal satisfaction. Through this journey, Wendy emphasizes that age should not be a barrier to pursuing dreams, illustrating that vitality can be found in unexpected places.

Central to the discussion is the exploration of mindset and values as critical components in rekindling purpose. The podcast encourages listeners to reflect on their personal narratives and the often-unrealistic expectations that can hinder their pursuit of joy and fulfillment.

The episode takes a practical turn by offering actionable steps for listeners: examining their mindset, identifying personal values, and courageously stepping out of comfort zones to embrace new possibilities. As part of this discussion, Wendy offers a free worksheet for discovering your Word for the Year, which starts with exploring your values.

Takeaways:

• Finding vitality in later life involves rekindling dreams and discovering purpose through self-reflection.
• It's essential to explore personal values and beliefs to identify what brings true joy.
• Many individuals face limiting beliefs that prevent them from pursuing new passions or opportunities.
• Mindset plays a crucial role in our ability to embrace change and seek fulfillment.
• Engaging in activities that resonate with our values can significantly improve our well-being.
• Creating a 'Word of the Year' can serve as a guiding principle for personal growth.

Links referenced in this episode:

• To Support Boomer Banter or Join the community.
• To receive the free worksheet to discover your Word of the Year, email Wendy

Feeling relevant and finding purpose is crucial as we navigate the complexities of aging. Beverly Glazer and Wendy Green explore the common experience of feeling invisible as we grow older and how redefining our sense of self can lead to renewed passion and engagement in life. They discuss the importance of reconnecting with activities we once loved and the power of community in fostering a sense of belonging. Through inspiring stories and personal experiences, they highlight how it's never too late to pursue new interests or reinvigorate old ones. Join them as they challenge the societal narrative that aging equates to decline and instead celebrate the opportunities for growth and fulfillment at any stage of life.

Exploring the intersection of aging and personal relevance, Beverly Glazer and Wendy Green delve into the emotional landscape of those facing the transition into retirement and beyond. They tackle the often-overlooked feelings of invisibility that many experience, particularly women, as they navigate this stage of life. Wendy and Beverly encourage listeners to reflect on their past achievements and the roles that once made them feel valued, urging them to reconnect with those passions to cultivate a renewed sense of purpose. Through this exploration, they emphasize that aging can be a time of reinvention, rather than decline, challenging the societal narratives that often frame this life stage negatively.

The conversation takes a deeper dive into the practical steps individuals can take to reclaim their relevance, such as rediscovering hobbies, engaging in volunteer work, or even starting new ventures. Glazer and Green share poignant stories of clients who have successfully navigated their own journeys of self-discovery and empowerment, illustrating that it’s never too late to pursue one’s dreams. The hosts also discuss the importance of community and connection in this process, highlighting how shared experiences can foster a sense of belonging and support. Overall, this episode serves as an inspiring reminder that individuals possess the power to redefine their lives at any age, encouraging listeners to embrace their unique journeys and find joy in the possibilities that lie ahead.

• Aging does not equate to decline; it can mean growth, purpose, and passion.
• Many people feel invisible in later life, but there are ways to reclaim relevance.
• Finding fulfillment often involves returning to passions and hobbies set aside over the years.
• Community and connection are crucial for maintaining a sense of purpose as we age.
• It's important to challenge self-limiting beliefs and take steps towards reinvention.
• Purpose can come from the simplest activities, like volunteering, that engage and inspire.

• buymeacoffee.com/heyboomer0413
• agingwithpurposeandpassion.com
• reinventimpossible.com

The conversation opens with a touching tribute from Wendy Green to her father, who carried a poem by Ralph Waldo Emerson that encapsulates the essence of a life well-lived. This sets a reflective tone for the episode, which features Carol Orsburn, Ph.D., a prominent figure in the conscious aging movement. Carol's insights into aging emphasize that it is not merely a chronological process but a profound opportunity for spiritual development and self-acceptance. Her latest work, "Spiritual Aging: Weekly Reflections for Embracing Life," serves as a roadmap for those looking to navigate the complexities of growing older with grace and purpose.

Throughout the episode, Carol discusses the societal narratives surrounding aging, revealing how they often instill fear and denial rather than acceptance and celebration. She speaks candidly about her own experiences, the challenges she has faced, and the wisdom she has gained through her journey. The conversation touches on the importance of community and connection, highlighting how engaging with others can combat the isolation that many older adults experience. Carol urges listeners to embrace their age and the accompanying wisdom, proposing that each stage of life offers unique opportunities for growth and deeper understanding.

As the discussion progresses, the concept of life purpose emerges as a central theme. Carol encourages listeners to shift their focus from external achievements to internal fulfillment, arguing that true success comes from expanding one’s consciousness and being present in the moment. This episode serves as an empowering call to action, inspiring individuals to redefine their relationship with aging and to seek joy and meaning in their lives. By the end of the conversation, listeners are left with a sense of hope and the encouragement to embrace the beauty of their own aging process.

Takeaways:

• The poem by Ralph Waldo Emerson defines success through how we live and impact others.
• Carol Orsburn emphasizes conscious aging, which involves deep self-awareness and spiritual growth.
• Aging can be embraced as a time for reflection, personal freedom, and spiritual exploration.
• Wendy Green and Carol discuss how the societal expectations of aging can create conflict within individuals.
• The book 'Spiritual Aging' offers weekly reflections to help individuals navigate this stage of life.
• Finding purpose in life doesn't always mean achieving grand goals; it can be about simple joys.

• Enter to win one of 7 Great Global Giveaways from Road Scholar.
• Support the work of Boomer Banter and/or become a member of our community.
• Join Carol's Spiritual Aging group on Substack.
• Check out Carol's website to find her newest book.
• Watch the video of this podcast on YouTube.

Depression can often feel like an immovable weight, but Nita Sweeney's journey illustrates how movement—both physical and mental—can serve as a pathway to healing. At 49, Nita found herself struggling with bipolar depression, feeling trapped in her despair until a friend's social media post about running sparked a change. She began with small steps, literally running for just 60 seconds at a time, and gradually discovered the transformative power of exercise on her mental health. Nita's experiences culminated in her book, "Depression Hates a Moving Target," which shares her insights on how running, paired with community support and self-compassion, helped her reclaim her life. Join us as we explore the importance of taking that first step, no matter how small, and the profound impact of finding joy and purpose through movement and connection.

The conversation between Wendy Green and Nita Sweeney serves as an inspiring reminder of the resilience of the human spirit in the face of mental health challenges. Sweeney's story is one of transformation, rooted in her battle with bipolar depression, which she candidly discusses at the outset of the episode. Green's exploration of the human mind sets the stage for Sweeney's narrative, showcasing the duality of our mental faculties—capable of both creation and destruction. Sweeney reflects on the physical sensation of depression, describing it as an all-encompassing heaviness that makes even the simplest tasks feel insurmountable, a feeling many listeners can relate to.

The turning point in Sweeney's journey comes when she sees a friend’s social media post about running, which ignites a flicker of hope within her. The episode captures the essence of her initial hesitation and the small, courageous steps she took to overcome her inertia. Sweeney emphasizes the significance of movement as a therapeutic tool, illustrating how even a short jog with her dog became a lifeline during her darkest moments. This discussion is not merely about running; it’s about reclaiming agency and finding joy in movement, no matter the form it takes.

As Sweeney shares her experiences with the running community, the narrative delves into the theme of connection and its profound impact on recovery. Green and Sweeney emphasize that building a supportive network is crucial, especially for those grappling with loneliness and self-doubt. Their conversation culminates in a powerful call to action, encouraging listeners to take that first step, however small, towards their own well-being. The episode resonates with the overarching message that while the road to recovery may be fraught with challenges, it is also filled with possibility, hope, and the potential for transformation. The insights shared by Sweeney serve as both encouragement and inspiration, reminding us all of the importance of community, movement, and self-compassion in the journey of life.

• The human mind is a powerful tool, but it can also lead us into dark places of despair and self-doubt.
• Running, has been instrumental for Nita Sweeney in managing her bipolar depression and finding inner strength.
• Community is crucial for mental health; finding like-minded individuals can provide motivation and support when facing challenges.
• Taking small actions, even just getting out of bed, can disrupt the cycle of depression and lead to positive changes in habits.
• Believing in oneself and taking that first step can open up new paths to healing and self-discovery.

Nita Sweeney's website

Support Boomer Banter

Wendy Green dives deep into the heart of aging and community service with Jill Yesko Diana, whose nonprofit, Safe Moves for Seniors, empowers economically disadvantaged older adults to move safely and with dignity. Jill’s journey is one of personal and professional evolution; starting as a professional organizer, she became acutely aware of the unique challenges faced by seniors in her community. The episode highlights the multifaceted nature of Jill’s work, merging her background in human resources and social work with her passion for helping others.

As Jill recounts her experiences, she shares compelling stories of seniors who have faced unsafe living conditions and the emotional toll that moving can take on them. The conversation shifts to the broader implications of financial insecurity among the aging population, confronting the stereotypes that often accompany discussions of poverty. Jill passionately advocates for understanding and compassion, urging society to look beyond surface-level judgments about financial responsibility.

Listeners are drawn into Jill's vision for Safe Moves for Seniors, which is rapidly expanding across the nation. She emphasizes the importance of community involvement, whether through volunteering or advocacy, to address the pressing needs of seniors. The episode serves as both an inspiring narrative of one woman’s dedication to service and a poignant reminder of the collective responsibility to uplift those in need, encouraging everyone to take part in creating a more supportive and inclusive society for older adults.

Key Takeaways

1.  Persistence Over Quitting: Instead of giving up during tough times, consider resting and reassessing your approach. Determination and resilience can lead to significant accomplishments.

2. Volunteerism for Retirees: "Safe Moves for Seniors" offers a variety of volunteer roles that can be performed remotely, providing a wonderful opportunity for retirees looking to give back in meaningful ways.

3. Community Support: Leveraging local community resources and building a supportive network is crucial when establishing and running a nonprofit.

4. Compassionate Activism: Jill's story is a powerful reminder of how one person's compassionate actions can create a ripple effect, improving countless lives and fostering a sense of dignity for seniors.

Links Referenced in this episode:

Safe Moves for Seniors - headquartered in Pittsburgh, PA

Discover Organizing - Jill's for-profit business

Reinvention Rebels podcast

To reach me, Wendy Green, you can email me, Facebook Message me, LinkedIn Message me or IG message me.

Molly Peacock, a poet and biographer, shares her poignant journey of love, loss, and resilience following the death of her husband, Mike Grodin. As she navigates the complexities of widowhood, Molly reveals how she transformed her grief into a vibrant exploration of emotions through her poetry collection, "The Widow's Crayon Box." The conversation delves into the contradictions of feeling both alive and deeply saddened after a significant loss, as well as the importance of embracing the full spectrum of emotions. Wendy Green, the host, and Molly discuss the role of community and creative expression in healing, emphasizing that grief is not a linear process but rather a multifaceted experience. This heartfelt dialogue offers listeners insight into finding hope and connection amid sorrow, inviting anyone grappling with loss to recognize their own feelings and experiences in Molly's powerful words.

Peacock’s reflections on her marriage and subsequent loss serve as a poignant reminder of the intricacies of love and memory. She shares insights from her latest poetry collection, "The Widow’s Crayon Box," where she employs the metaphor of colors to depict the vast emotional spectrum that comes with losing a loved one. The podcast dives deep into the societal perceptions of grief, challenging listeners to embrace the full range of their emotions rather than conform to the stereotype of a grieving widow. Through her poetry, Peacock illustrates that moments of joy and laughter can coexist with sorrow, enriching the tapestry of life rather than diminishing it.

Takeaways:

• Grief can be a complex journey, blending moments of deep sadness and unexpected joy.
• Molly Peacock's poetry captures the multifaceted emotions of love, loss, and hope beautifully.
• Writing became a healing tool for Molly after the loss of her husband, transforming her grief into art.
• The process of mourning is not linear; it can involve simultaneous feelings of grief and aliveness.

• Check out Boomer Believers and join our community.
• mollypecock.org Gorgeous website
• Find Molly Peacock on Instagram

Experience a multifaceted exploration of aging, with Wendy Green leading the conversation alongside her guest Jeanette Leardi, a social gerontologist and author.

The episode opens with a critical examination of how society often views older individuals as ‘the other,’ leading to a culture of fear and misunderstanding. Both Wendy and Jeanette stress that this perception is largely influenced by media depictions that focus on decline rather than the rich experiences and contributions of older adults. The discussion invites listeners to challenge these stereotypes and embrace a more positive narrative around aging.

Central to the episode is Jeanette's book ‘Aging Sideways: Changing our Perception on Getting Older.’ Jeanette describes Aging Sideways as a shift in perspective that allows individuals to view aging not as a linear decline but as a diverse and enriching journey. This concept encourages an appreciation for the wisdom and skills that accumulate with age, fostering a sense of optimism and resilience among older adults. Jeanette also explores the distinction between chronological age and perceived age, highlighting how societal expectations often shape personal identities. This dialogue prompts listeners to reflect on their own attitudes toward aging and encourages a more inclusive understanding that celebrates the strengths of older generations.

The episode further delves into actionable strategies for combating ageism and fostering intergenerational connections. Jeanette emphasizes the importance of representation in media and workplaces, advocating for older adults to take active roles in shaping narratives that reflect their realities. The conversation culminates in a powerful call to action, encouraging listeners to embrace their age, share their experiences, and advocate for systemic changes that recognize the contributions of older individuals.

Through thoughtful dialogue and practical insights, Wendy and Jeanette inspire a reimagining of aging that values collaboration and mutual respect across generations.

• The perception of aging is often negative, associating it with decline and fear.
• Challenge societal assumptions about aging and instead recognize its advantages and possibilities.
• Empowered aging involves both individual responsibility and societal support to promote well-being.
• Negative perceptions of aging can impact life expectancy and cognitive health significantly.
• Representation in media of older adults is crucial to combat ageism and stereotypes.
• Forming intergenerational relationships can help demystify aging and reduce age-related biases.

• buymeacoffee.com/heyboomer0413 to join the Boomer Believers community
• act.alz.org/goto/heyboomer to donate to the Walk to End Alzheimer's team
• Women Over 70

In this heartwarming and enlightening episode of Boomer Banter, host Wendy Green and her guest, Stacey Colino delve into the profound bond between humans and dogs, exploring the manifold ways these loyal companions enrich our lives. Dive into the science behind the human-canine connection, the emotional and physical benefits of having a dog, and hear firsthand stories that showcase their extraordinary abilities. Whether you're a seasoned dog owner or considering adding a furry friend to your family, this episode offers valuable insights and practical advice for creating a harmonious relationship with your pet.

The emotional connection between humans and dogs is not just anecdotal; it is backed by science and shared experiences. Wendy Green opens the podcast with personal stories of her beloved dog Curly, illustrating how dogs become integral members of the family. The dialogue with Stacy Colino expands on the psychological and social benefits of dog ownership, particularly for older adults who may face loneliness and health challenges.

Colino points out that dogs serve as social catalysts, creating opportunities for conversation and interaction within communities. The episode also touches on the importance of understanding a dog's needs, including considerations for age, breed, and energy levels when choosing a companion. The discussion further explores the health benefits associated with dog ownership, such as increased physical activity and emotional support during difficult times.

Listeners gain valuable insights into the responsibilities and joys of having a dog, as well as practical tips for ensuring a successful and fulfilling relationship with their canine friends. This episode serves as a heartfelt reminder of the unconditional love and companionship that dogs offer, making them cherished members of our families.

• The bond between humans and dogs is supported by science, enhancing emotional connections.
• Dogs can detect medical issues in their owners through their keen sense of smell.
• Owning a dog can promote physical activity, which is essential for health as we age.
• Understanding a dog's personality and energy level is crucial before adoption for older adults.
• Dogs provide emotional support and companionship, especially beneficial for seniors facing loneliness.
• Training dogs effectively requires understanding their behavior, and using positive reinforcement methods.

• Become a member of the Boomer Believers
• Support the Boomer Banter Walk to End Alzheimer's team
• American Society for the Prevention of Cruelty to Animals for good articles on pet care.
• American Kennel Club for great info about different breeds and expert advice on dog training, dog nutrition, and other aspects of dog care
• Marc Bekoff, Ph.D, writes an interesting blog on animal emotions for Psychology

• Rate and review after you listen
• Email me with comments.