Welcome back to The Market Moment! In this episode, Matt, John, and Eli dive deep into one of the most frequently asked financial planning questions: "How much do I need to retire?" If you're in your 30s, 50s, or approaching retirement, this conversation covers everything from simple retirement math to the complex variables that impact your long-term financial security.

We break down how to estimate your retirement number using the 4% rule, why that method is often flawed, and what to consider instead. You'll also learn the importance of understanding your expenses, asset location (Roth vs Traditional), taxes in retirement, inflation, health care costs, and legacy planning.

Plus, we wrap up with a timely market moment update following the Federal Reserve’s Jackson Hole meeting, including insights from industry experts like Bill Gross and Ryan Detrick on interest rates, the bond market, and what that could mean for mortgage rates, borrowing, and your investment strategy.

🧠 Topics Covered:

💡 Whether you're asking “Can I retire at 55?” or “How much should I have saved by 40?”, this episode breaks down the numbers and the why behind the math.

📌 Resources Mentioned:

👍 If you found this episode helpful:

Also check out our YouTube Channel and subscribe for weekly videos! https://www.youtube.com/@TheMarketMoment 

🎙️ Hosted by the advisors at Mach 1 Financial Group

Welcome back to The Market Moment with Matt, Lee, and Eli! In this episode, we break down the latest inflation report that came in cooler than expected at 2.7%, what that means for the Federal Reserve's next move, and why the markets are rallying as a result. 

We dive deep into: 

Plus, we talk about data centers, commercial real estate shifts, and the evolving power dynamics between mega-cap companies and their competitors. 

📊 Whether you’re an investor, market follower, or just curious about what’s happening in the economy, this episode connects the dots between key economic trends and how they’re showing up in the market. 

Sources sited (charts):  

https://x.com/PeterMallouk/status/1954892053785063492  

https://x.com/MikeZaccardi/status/1954610383349567850  

https://x.com/EricFinnigan/status/1955022915902029842  

👉 Like, subscribe, and drop a comment with your thoughts or questions! We’d love to hear from you. 

🎧 Subscribe to the Market Moment podcast for more weekly market breakdowns and real-world financial insights. 

Email us your questions at [email protected] 

 #investing #inflation #stockmarket  

Did you catch last week’s episode? https://www.youtube.com/watch?v=l3Nyvo0R538 

Wanna learn more from Eli? Check out his series Data Brief! https://www.youtube.com/watch?v=eIK3-byJFb4  

disclosures.mach1fg.com 

Welcome back to The Market Moment! In this episode, Matt, Isaac, and Eli dive deep into one of retirement's most important—and complex—questions: What's the best way to withdraw income from your portfolio? 

There’s no one-size-fits-all answer, but we break down the four most common withdrawal strategies, explaining how each works, who they may be best for, and the pros and cons you need to consider before choosing one: 

📌 4% Withdrawal Rule – The classic starting point, but is it still relevant today? 

Along the way, we discuss real-world challenges, from market volatility to managing fixed vs. discretionary spending, and why knowing your monthly expenses and reducing debt (like paying off your home) are crucial for retirement success. 

✅ Whether you're 10 years out or just about to retire, this episode is packed with valuable insights to help you build a withdrawal strategy that fits your life. 

👉 Don’t forget to like, comment, and subscribe for more insights from the guys on The Market Moment. 

 📢 Share this with your tax-savvy friends and family! 

💬 Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!  

Email us your questions at [email protected] 

🚨Don’t forget to watch Eli’s breakdown of the “O.B.B.B.” on Data Brief… https://www.youtube.com/watch?v=R0YkvuMUC_g&t=5s   

#investing #retirement #stockmarket  

This week, Matt, John, and Lee unpack several charts exploring the financial consequences of trying to “time the market” or letting personal fears, emotions, and anxiety control your investing. A recent example is what happened in April during the “tariff-talks” and the stockmarket dropped significantly but then also rose back up a week later. 

www.disclosures.mach1fg.com  

This week, Matt, John, and Isaac, dive deep into the groundbreaking "One Big Beautiful Bill" — a sweeping piece of legislation that could reshape your taxes, savings, and financial future. Whether you're a taxpayer, parent, senior, or business owner, these top 10 highlights are essential listening. 

Here's what's inside the bill (and this episode): 

1️⃣ Individual Income Tax Rates Made Permanent – The TCJA tax brackets (10%-37%) are now here to stay. 

📈 This episode is a must-watch for anyone planning their financial future. 

👉 Don’t forget to like, comment, and subscribe for more insights from the guys on The Market Moment. 

 📢 Share this with your tax-savvy friends and family! 

💬 Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!  

🚨Don’t forget to watch Eli’s breakdown on Data Brief… https://www.youtube.com/watch?v=R0YkvuMUC_g&t=5s   

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Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov  and is also available at www.mach-1financial.com/disclosures 

This week, Lee, John, and Eli discuss some of the latest market updates but also dive deeper into the most common retirees’ regrets. Some of the market updates include how tariffs could be impacting the economy, Jerome Powell’s decision to not lower rates, and generally how people seem to feel about the market - generally speaking, good!  

The conversation pivots to a practical conversation about retirees’ regrets. Eli, John, and Lee have sat down with numerous clients over the years and have found these to be some of the biggest regrets: 

-Not starting to save for retirement sooner  

-Not meeting with a financial advisor sooner  

-Not prioritizing health, to be able to enjoy retirement  

-Not spending money or sharing it while you can  

-Not knowing what to do during retirement 

Are you preparing for retirement or are you retired? Is this helpful or can you relate to these regrets? Let us know your thoughts! Also, please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode! But next week, we plan to tackle the One Big Beautiful Bill and the changes which could impact you.  

Email us your questions at [email protected] 

www.disclosures.mach1fg.com  

This week, John, Eli, and Isaac talk about taking a mid-year financial check-up. This means looking at your finances, maybe even your taxes or tax strategies, any upcoming expenses, your cash on hand, or possibly needing to rebalance, and more. They also discuss the passing of Trump’s Big Beautiful Bill. While there are massive tax and economic implications, the guys don’t have enough time to dive into it deeply in this episode. Eli, however, is preparing a Data Brief video on the subject as it pertains to retirees.  

Please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!  

Email us your questions at [email protected] 

Watch Next: The Retirement Red Zone: https://youtu.be/BGyQ5XXRsv0  

The Market Moment Podcast! Last week's episode...  Climbing the Walls of Worry https://youtu.be/dNL-3ndTt_w 

Join the growing Market Moment community by clicking that subscribe button! 

We're on Facebook! 

Give us a follow on Instagram! 

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov  and is also available at www.mach-1financial.com/disclosures 

This week, the market has reached all-time highs and Matt, John, and Eli are breaking it down on the podcast. Together, they discuss the market “climbing the walls of worry” with how everything going on politically is full of fear and yet investors are still investing–why is that?

They also share each of their perspectives as advisors coming from different eras of investing. John, the oldest on the panel, was well into his career during the 2008 financial crisis. Matt, however, was just starting when the crisis happened. And Eli, the youngest, never truly experienced the financial crisis, at least not as an investor or advisor. The three of them share different perspectives, given their different experiences as investors and advisors, on how to handle the current market. Will something like 2008 happen again? And how do investors need to navigate this or prepare for it? Please comment or email us your questions. We hope to answer your questions and respond to your comments in an upcoming episode!

Email us your questions [email protected]

🍿 Watch Next: 5 Psychological Risks to Avoid in Investing: https://youtu.be/5FGd-wZp38E 

🎙The Market Moment Podcast! Last week's episode... If You're Thinking About Retiring, Answer These Questions FIRST:  https://youtu.be/t_e0uPzyI0s

😎Join the growing Market Moment community by clicking that subscribe button! 

We're on Facebook! 

Give us a follow on Instagram! 

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures 

This week, Matt, Isaac, and John are tackling three major headlines from the finance world: tariffs, The Fed being pressured to lower rates, and whether or not the rising tensions in the Middle East is having an impact on the markets.  

Matt is a bit surprised the markets haven’t changed at all since the Israeli strikes on Iran, while Isaac is not surprised at all. John is relieved and hopes peace can be settled with the U.S. acting as a mediator. Perhaps good can come from the situation. The tariff drama may finally be coming to an end as more deals are going to paper, and hopefully this all leads to more production in the U.S.

And finally, Trump has been publicly calling out The Fed chairman, Jerome Powell, and demanding rates be cut. This leads the three hosts into a discussion on whether or not a rate cut should take place or maybe the Fed should simply let the economy work itself out.  

We hope to answer your questions and respond to your comments in an upcoming episode!  

💬 Email us your questions at [email protected] 

🍿 Watch Next: 5 Psychological Risks to Avoid in Investing: https://youtu.be/5FGd-wZp38E 

🎙The Market Moment Podcast! Last week's episode... If You're Thinking About Retiring, Answer These Questions FIRST:  https://youtu.be/t_e0uPzyI0s

😎Join the growing Market Moment community by clicking that subscribe button! 

We're on Facebook! 

Give us a follow on Instagram! 

Mach-1 Financial Group, LLC ("Mach-1") is a registered investment adviser located in Rogers, AR. Mach-1 may only transact business in those states in which the firm maintains a notice filing or has qualified for an exemption or exclusion from registration. A copy of Mach-1’s current written disclosure brochure, which discusses among other things, Mach-1’s business practices, services and fees, is available through the SEC website at www.adviserinfo.sec.gov and is also available at www.mach-1financial.com/disclosures