There are actually three crossovers worth knowing about. The first happens when portfolio growth exceeds your contributions. The second when it exceeds your earned income. The third, the original 1992 Vicki Robin definition, when income from your assets covers your monthly expenses. That last one is the only crossover that survives a flat market year.

• Where each of the three crossovers actually sits in dollars (and the rough 20x rule of thumb)
• Why the original crossover point got quietly redefined between 1992 and 2016
• The four moves to make once you cross over, especially the RMD trap that hits at 73

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=zWGsGkDtu3o

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Elder fraud cost Americans $81.5 billion in 2024, and a huge portion of it started with something someone said out loud. This episode walks through the eight disclosures that quietly expose you to financial risk after 55, from your retirement timeline to your Social Security amount to the one almost nobody talks about: your "big money" window.

• Why announcing your retirement timeline at work often backfires
• How your Social Security amount can make you a target for imposter scams
• The "big money" window right before and after retirement that scammers know exists

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=c2MJ19oD1BY

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Most people think they're one tier above or below where they actually are. This episode walks through the Federal Reserve's retirement wealth breakdown and shows you what monthly income, daily stress, and real lifestyle look like from the bottom tier to the top 1%.

• The net worth range for each of the 6 wealth tiers
• How income structure (not just net worth) changes everything at levels 5 and 6
• How to live like someone 1-2 tiers above where your savings put you

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=E9YmtNGyUu4

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

If you have a pension, the usual advice on claiming Social Security, taking a lump sum, or planning survivor benefits was written for people without one. This episode walks through what changed in 2025, the 6% rule for lump sum decisions, and the inflation gap most pensions quietly carry.

• How the WEP and GPO repeal changes what pension holders actually collect
• The 6% rule for deciding pension vs lump sum payout
• The hidden 45% pension loss from inflation and missing COLAs

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=7R95VeGFgP0

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

The mid-50s are where most retirement plans start going sideways, not from a single big mistake but from a pattern of small ones. Chasing a perfect portfolio number. Staying in a job one year too long. Supporting adult children beyond what your plan can absorb. This episode walks through all nine and how to spot each one in your own plan.

• Why "one more year" of working often costs more than it earns
• The gift that actually hurts: supporting adult kids past the point it helps them
• The one retirement decision you cannot reverse, and how to avoid it

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=mwLt0AIndrg

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.