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 659 episodes available.

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Number 1: 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 2: Can You Retire Abroad on Social Security Alone? | Queer Money Ep. 655
Could you actually retire abroad on one Social Security check?The average retired American worker receives about $2,081 a month from Social Security. In many U.S. cities, that may barely cover the basics. But take that same check abroad and suddenly the retirement math can look dramatically different. The catch? Cheap doesn’t automatically mean retire-able. A city might have $300 rent, fabulous food and gorgeous weather, but if you can’t qualify for legal residency, access quality healthcare or comfortably live there as an LGBTQ+ person, you haven’t found a retirement destination. You’ve found a vacation. In this episode of Queer Money®, we rank five gay-friendly cities where an average Social Security benefit could potentially support a modest retirement, while also considering LGBTQ+ acceptance and whether there’s a realistic path to legal residency. Our countdown takes us from Medellín, Colombia, to Coimbra, Portugal, Montevideo, Uruguay, Cuenca, Ecuador, and finally, Chiang Mai, Thailand. And some of the numbers may have you checking airfare before the episode is over.🌈 Takeaways from this episode:💰 Why $2,081 a month may go considerably further abroad than it does in the U.S.🏳️‍🌈 Why affordability alone isn't enough when choosing where to retire as a gay person🌎 Five cities that combine lower costs, LGBTQ+ friendliness and retirement practicalityWhy Medellín offers strong healthcare and affordability, but has a noticeable gap between LGBTQ+ legal protections and public acceptanceHow Coimbra can offer Portugal's LGBTQ+ protections and residency opportunities for considerably less than Lisbon or PortoWhy Montevideo may offer the strongest queer confidence on our listWhy Cuenca combines exceptionally low costs with an established expat retirement communityHow Chiang Mai could potentially leave someone living on average Social Security with $700 to nearly $1,000 left each month But Social Security alone doesn't mean Social Security without a backup plan. You'll still need to plan for visas, healthcare, flights home, currency fluctuations, emergencies, taxes and the occasional fabulous decision that somehow didn't make it into the budget. We also share the three steps to take before retiring abroad on Social Security, including calculating your real Social Security income, putting every destination through our Three-Gate Test and test-driving your potential new home for 30 to 90 days. Ready to start exploring? Download the Queer Money Retire Abroad Checklist 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 18, 202616min
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: 5 Best Gay Cities in Brazil for Gay Retirees | Queer Money Ep. 650
Let's Discover the Best Cities in Brazil for Gay RetireesMost Americans think of retirement abroad and immediately picture Portugal, Spain, Mexico, or maybe Thailand. But if those feel too expensive, too far away, or just not quite right, Brazil deserves a serious look for your gay retirement dollar. Brazil offers something rare: warm weather, lower costs, strong LGBTQ+ legal protections, major queer visibility, Afro-Brazilian culture, beaches, food, music, private healthcare, visa options, and, yes, many, many, many Speedos. In this episode of Queer Money, we’re continuing our Affordable International Gay City series with the 5 best gay cities in Brazil for gay retirees. Brazil is not Nordic order. It is not Mexican expat familiarity. It is not Portuguese calm, even though Portuguese is the language, which, yes, you should start learning before you move. But Brazil may offer gay retirees a powerful mix of affordability, culture, LGBTQ+ acceptance, and lifestyle that can make retirement abroad feel much more possible. We compare each Brazilian city to Framingham, Massachusetts, our U.S. touchstone city for this episode, and look at what matters for gay retirement abroad: cost of living, average two-bedroom rent, LGBTQ+ visibility, state and city acceptance, queer nightlife, healthcare access, safety, lifestyle, and overall retirement fit. This week, we cover Belo Horizonte, Curitiba, Salvador, Florianópolis, and São Paulo.Takeaways from this episode:Why Brazil deserves a serious look for gay retirement abroadWhy Brazil’s LGBTQ+ protections and public acceptance rank stronger than many people assumeHow Brazilian cities compare with Framingham, Massachusetts, for cost of livingWhy Belo Horizonte may work for retirees who want Brazil without São Paulo intensity or beach-city chaosWhy Curitiba may appeal to gay retirees who want structure, affordability, healthcare, parks, and practical city livingWhy Salvador may be especially compelling for Black gay retirees seeking Afro-Brazilian culture and visibilityWhy Florianópolis offers beaches, nature, wellness vibes, and a relaxed queer-friendly lifestyleWhy São Paulo takes the top spot as Brazil’s queer mega cityWhy Portuguese, safety planning, neighborhood choice, and local research matter before movingWhy the question is not “Is Brazil right for every gay retiree?” but “Which Brazil fits the retirement lifestyle I actually want?” Brazil may not be right for everyone. If you want perfect predictability, spotless bureaucracy, or a country that runs like a Swiss train schedule, Brazil may test your spirit. But if you want warmth, affordability, legal residency options, strong LGBTQ+ protections, private healthcare, culture, food, music, and cities with real queer life, Brazil may deserve a spot on your retirement abroad shortlist. Before you make any move, research it, visit for longer than a vacation, and run the numbers for your actual life. This is a lot easier with a plan of action and that's exactly why we created the Queer Money Retire Abroad Planner and Calculator. Chapters:00:00 - Intro02:57 - Belo Horizonte05:11 - Curitiba09:00 - Salvador11:22 - Florianópolis14:55 - São Paulo18:50 - Outro 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 14, 202621min