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Quit Smoking? Maybe. Quit Overspending? Definitely: Small Changes for Big Retirement Impact
They say the little things add up—and when it comes to your money, that couldn’t be more true. In this episode of Rayna Retirement, Rayna Reyes shares practical budgeting and savings strategies that help you cut costs, reduce debt, and free up cash for what really matters in retirement.
From brewing your coffee at home to eliminating recurring fees, from rethinking your cell phone bill to leveraging employer benefits, Rayna shows how small daily decisions can have a big effect on your long-term financial health. She also takes a deeper look at habits—our “McDonald’s,” as comedian Jim Gaffigan calls them—and how identifying your personal vice can make all the difference in preparing for retirement.
Because retirement isn’t just about numbers—it’s about self-reflection, gratitude, and building habits that lead to freedom and joy.
For help creating your retirement strategy, call Rayna directly at 850-450-6500 or the American Federal Benefits Consultants team at 1-800-872-8857.
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Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
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By American Federal Benefits ConsultantsThey say the little things add up—and when it comes to your money, that couldn’t be more true. In this episode of Rayna Retirement, Rayna Reyes shares practical budgeting and savings strategies that help you cut costs, reduce debt, and free up cash for what really matters in retirement.
From brewing your coffee at home to eliminating recurring fees, from rethinking your cell phone bill to leveraging employer benefits, Rayna shows how small daily decisions can have a big effect on your long-term financial health. She also takes a deeper look at habits—our “McDonald’s,” as comedian Jim Gaffigan calls them—and how identifying your personal vice can make all the difference in preparing for retirement.
Because retirement isn’t just about numbers—it’s about self-reflection, gratitude, and building habits that lead to freedom and joy.
For help creating your retirement strategy, call Rayna directly at 850-450-6500 or the American Federal Benefits Consultants team at 1-800-872-8857.
—
Contact: Rayna and the team at American Federal Benefits Consultants, call 1-800-872-8857 or visit AmericanFederal.org.
YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.