Retirement is changing in 2026 - and so are the rules.
In this episode, Tom breaks down the most important retirement updates for 2026, including changes to Social Security, COLA, Medicare, taxes, and catch-up contributions.
He also tackles a critical retirement question: Should you be debt-free before retiring? Learn the real difference between entering retirement with debt versus without and how it can impact your income, flexibility, and peace of mind.
Plus, Tom answers a listener question many people are afraid to ask: Is it normal to dread retirement? He discusses the emotional and relational shifts that often come with this transition, and how to prepare for more than just the financial side of retirement.
Chapters
00:00 Intro
Retirement Changes in the New Year
02:40 COLA
03:55 Medicare
05:15 Commissionable Products
08:15 Taxes & Social Security
11:19 Catch-Up Contributions
Songs “On the Money”
17:20 “Mo Money” Notorious B.I.G
20:12 “Money Changes Everything” Cyndi Lauper
22:40 “Take the Money & Run” Steve Miller
26:26 “For the Love of Money” The O’Jays
How to Handle Debt
30:40 Going into Retirement with No Debt
34:15 Bad Debt vs. Good Debt
36:55 Do you Need to be Debt Free before Retiring?
38:30 Retirement Blueprint Explained
Listener E-Mails
41:25 Dreading Retirement – Is this Normal?
44:50 Saving for Retirement as a Business Owner
Ready to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here https://mosleywealthmanagement.com/contact/
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DISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.
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