Queer Money®: How Gay People Do Money

By Queer Money

Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ... more

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The podcast currently has 660 episodes available.

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Number 1: Is Ajijic, Mexico Retirement Hot for Gay Folks? | Queer Money 660
Is Ajijic retirement hot?Puerto Vallarta gets most of the attention when gay men talk about retiring in Mexico. But what if the perfect gay vacation destination isn't the perfect gay retirement destination? We're currently in Ajijic, Mexico, extending our Mexican residency from one year to three years and seriously considering spending the first four months of our move to Mexico right here. So we're asking: Is Ajijic retirement hot? In this episode of Queer Money®, we're sharing 5 reasons Ajijic has become one of the most interesting retirement destinations in Mexico for us, plus 3 reasons it might make you say absolutely not. And we're doing it from Ajijic based on what we're actually experiencing.🌈 Why Ajijic has our attention:🏳️‍🌈 It's surprisingly gay. Ajijic has an active LGBTQ+ community that feels less focused on nightlife and more focused on building friendships and community. It's an easy soft landing in Mexico. A large immigrant community, English-speaking services and established infrastructure can make moving abroad considerably easier. 🏥 Healthcare is accessible. Ajijic has local hospitals, specialists, labs and dental care, with even more options available nearby and in Guadalajara. 💰 Our money goes further. Ajijic isn't bargain-basement cheap anymore, but compared with many places in the U.S., everyday expenses can still feel considerably more reasonable. 🌴 It's retirement hot, not necessarily vacation hot. Puerto Vallarta may win for beaches, nightlife and vacation energy. Ajijic may win for community, everyday living and building an actual life. But Ajijic isn't retirement paradise for everyone. Those charming cobblestone streets can become a serious mobility issue. The large immigrant population can make it easy to stay inside an English-speaking bubble. And traffic on the Carretera may test your retirement zen. So would we retire here permanently? We're currently about a 7 out of 10. But we're also planning to spend the first four months of our move to Mexico here, which probably says more than the score. Because the real test of a retirement destination isn't: “Did I have a fabulous vacation there?” It's: “Could I actually enjoy Tuesday there?” If you're considering retiring or moving abroad, get the Queer Money Retire Abroad Planner & Calculator here. Retire by design, not by default. 🏳️‍🌈 How We Help the Queer Money CommunityFree Guides 📊 10 Vital Retirement Numbers 🌎 Retire Abroad Checklist Calculators & Planners 🏳️‍🌈 Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator 📈 Retirement Readiness Review Mentioned in this episode: It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here! Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here!
September 22, 202610min
Number 2: 7 Ways to Be a Bad Expat | Queer Money Ep. 658
Why moving abroad doesn't automatically make you worldly.You can move abroad, lower your cost of living, enjoy better weather and healthcare, and still be a terrible expat. Because moving abroad doesn't automatically make you worldly. Sometimes it just makes you an American with a cheaper margarita. 🍹 As we prepare for our own move to Mexico, we're thinking more about something that doesn't get nearly enough attention in the retire-abroad conversation: Retiring abroad isn't just about what another country can do for you. It's also about how you show up once you get there. In this episode of Queer Money®, we're counting down seven behaviors that can turn otherwise well-intentioned Americans into bad expats, from refusing to learn the local language to surrounding yourself entirely with other Americans to expecting your new country to operate exactly like the United States. And yes, we're checking ourselves against this list, too.🌈 Takeaways from this episode:👋 Why something as simple as greeting people in their language mattersHow moving abroad without ever leaving your American bubble defeats much of the purpose🏘️ Why living behind the gates can prevent you from ever actually becoming part of your community🗣️ Why you don't need to become fluent, but refusing to learn the language isn't cute💰 Why supporting local businesses should be part of enjoying your new country's lower cost of living🌎 Why cultural differences aren't problems that need American solutions💸 And our potentially controversial #1: wanting all the benefits of your new country without accepting any responsibility for supporting it All seven mistakes come down to one bigger problem: Bad expats treat another country like a product. What's the price? What's the visa? What's the weather? What's in it for me? Good immigrants start asking different questions:How do I belong here? How do I participate? How do I understand the culture? And what can I contribute? We're becoming immigrants ourselves, and we're absolutely going to screw some of this up. The goal isn't perfection. It's participation. 🏳️‍🌈 How We Help the Queer Money CommunityFree Guides 📊 10 Vital Retirement Numbers 🌎 Retire Abroad Checklist Calculators & Planners 🏳️‍🌈 Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator 📈 Retirement Readiness Review Mentioned in this episode: Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here! It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here!
September 08, 20269min
Number 3: Can a Gay Couple Early Retire with $1.2 Million? | Queer Money Ep. 654
Is $1.2 Million Enough to Retire Early as a Gay Couple?Joe and Bob are both 55. They have $1.2 million saved and invested for retirement, no debt and dreams of spending their go-go years slow traveling around the world. So, can they quit their jobs and retire today? The answer is… probably. But there’s a catch. In this episode of Queer Money®, we put this fictional gay couple through three retirement tests to see whether $1.2 million is actually enough to retire at 55. And what we find shows exactly why your retirement number alone doesn’t tell you whether you’re financially independent. Joe and Bob want to spend about $60,000 a year, have $120,000 available in cash and taxable investments and expect about $48,000 a year from Social Security beginning at 70. At that spending level, our Queer Money Retirement Calculator projects they could reach age 100 with approximately $557,000 remaining. But bump their lifestyle up just $1,000 a month to $72,000 a year? Their money could be gone in their early 80s. Same $1.2 million. Very different retirement.💡 Takeaways from this episode:🏳️‍🌈 Why $1.2 million could be enough for Joe and Bob to retire at 55💰 Why your annual spending may matter more than your net worth🌉 How to build an income bridge from early retirement to age 59½, Medicare at 65 and Social Security at 70📈 Why Joe and Bob need a strategy for accessing retirement accounts, Roth conversions and healthcare before quitting⚠️ How lifestyle creep from $60,000 to $66,000 to $72,000 dramatically changes their retirement projections📉 How to create rules now for surviving a 20% market decline without making panic decisions For Joe and Bob, $60,000 is the target, $63,000 is the caution line and $66,000 is the ceiling. Their retirement isn't possible because they hit some magical millionaire number. It's possible because their assets, spending, accessible money, future income and desired lifestyle actually work together. If you have money saved but still can't answer the question, “Can I actually retire?”, that's exactly what we help people figure out during a Queer Money Retirement Readiness Review.HOW WE HELP FOLKS IN THE QUEER MONEY COMMUNITYFree guidesQueer Money Kickstarter:Queer Money 10 Vital Retirement NumbersQueer Money Retire Abroad Checklist Calculators, planners and servicesQueer Money Beginner’s GuideQueer Money Retirement CalculatorQueer Money Retire Abroad Planner & CalculatorQueer Money Retirement Readiness Review Mentioned in this episode: It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here! Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here!
August 11, 202620min
Number 4: You’ll Be Fired Before You’re Retired | Queer Money Ep. 653
You may be planning to retire at 65. Your employer may have a different date in mind.We are taught to build retirement around one major assumption: keep working until we are financially ready to stop. But what happens when the system does not let you? A restructuring happens. Your projects disappear. The raises stop. Your decades of experience suddenly become a “performance issue.” You are told the company needs someone more nimble, more digital, more affordable or, let’s be honest, younger. In this episode of Queer Money, we are talking about the very real possibility of being pushed out of work before you are ready to retire. Nearly one in four workers over 50 reportedly feels like they are being pushed out because of their age. Other research has found that more than half of older workers leave longtime jobs involuntarily. And losing your job at 52, 56 or 61 is nothing like losing it at 28. For LGBTQ+ people, the consequences can be especially difficult. Many of us do not have family support to fall back on. We may have moved to expensive cities to feel safe, spent more on education to build our careers or felt pressure to maintain a lifestyle that looked more secure than it actually was. So when someone tells you to “just work longer,” you need to ask: Will they let you? In this episode, we share personal stories of unexpected layoffs, explain how corporate ageism is often disguised and lay out practical ways to start taking back control of your retirement timeline. You’ll learn:The subtle signs that you may be getting managed outWhy experience can look expensive to corporate AmericaHow to calculate how long your money would last without a paycheckWays to build an income bridge before retirementHow to turn decades of experience into consulting or fractional workWhy keeping your skills and professional network current mattersWhat to document when you suspect age discriminationWhy you should never panic-quit or rush to sign a severance agreement Your employer may control your paycheck, but they should not control your entire future. The first step in age-proofing your retirement is knowing where you actually stand. Schedule a Queer Money Retirement Readiness Review to understand your numbers, identify your options and start building a retirement plan that does not depend entirely on your employer loving you tomorrow. Retire by design, not by default, layoff or ageism.HOW WE HELP FOLKS IN THE QUEER MONEY COMMUNITYFree guides Queer Money Kickstarter: Queer Money 10 Vital Retirement Numbers Queer Money Retire Abroad Checklist Calculators, planners and services Queer Money Beginner’s Guide Queer Money Retirement Calculator Queer Money Retire Abroad Planner & Calculator Queer Money Retirement Readiness Review Mentioned in this episode: Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here! It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here!
August 04, 202615min
Number 5: Gay Men Are the Biggest Consumers—So Why Are We So Broke? | Queer Money Ep. 597
Are Gay Men Really Broke?It’s no secret: gay men are some of the biggest spenders in the economy. From fashion to travel to gourmet coffee, we love to live well. But here’s the paradox—so many of us still feel financially strapped. On this episode of Queer Money®, we’re unpacking why gay men often earn more yet save less—and how cultural pressures, internalized shame, and a desire to prove our worth can sabotage financial security.Takeaways:The hidden costs of trying to look successfulWhy the LGBTQ+ community is targeted by marketers—and how to protect yourselfSteps to shift from consumption to building lasting wealt💡 If you’ve ever felt stuck in the cycle of spend, stress, repeat—this one’s for you. Mentioned in this episode: It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here! Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here!
July 08, 202516min