Coasting In Retirement with Josh Null

Josh and cohost Michelle discuss financial intentions. Also discuss the most recent headlines on retirement.

Takeaways

• Sequence of return risk can create compound growth by having a plan and other assets classes to dip into. Minimize principal withdrawals during a market downturn in retirement
• Benefits get higher every year you delay taking Social Security
• Higher interest rate environment can help with income in retirement
• Owning equity can help combat inflation

Josh and cohost Michelle discuss Annuities collapse and some recent headlines on retirement.

Takeaways

• Different types of annuities, Deferred Income Annuity, Immediate Income Annuity, Fixed Annuity,
• Multi-year Garanteed Income Annuity, Fixed Index Annuity, Variable Annuity
• Deferred Income Annuities depend on when you started it & how much you put in,
• Fixed Index Annuities have longer surrender periods and higher fees

Josh and cohost Michelle discuss the cypto FTX collapse and some recent headlines on retirement.

Takeaways

• Bud Hebeler's bad investments like Lifestock, comdities, collectibles, and idividual stocks
• Unconventional assets could have pitfalls extend beyond risk
• Investing in gold can be good for your portfolio, but does not hold high returns

Josh and cohost Michelle discusses a variety of investment topics all related to inflation.

Takeaways

• Inflation affects retirement plans by reducing spending or withdrawing more money
• Inflation forces over half of Americans to consider second jobs
• Social security benefits will increase in 2023