Retire Texas Style!

Now that President Biden is trying to raise the inheritance tax, CNBC says some people are considering life insurance as an estate planning tool.  Is that really an option?  

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The CDC says America’s birth rate dropped last year by 4% – our biggest decrease in half-a-century.  Professor Kasey Buckles, an economist at Notre Dame, tells CNBC that’s bad news for retirees - why?

Hear why Steve is so passionate about helping people with retirement and how he can replace that paycheck in retirement! 

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A report by the Employee Benefit Research Institute (EBRI) found that roughly 10% of baby boomers in the highest income group will run short of money!  And the percentage is even greater for those in the more modest income groups.  So, we clearly have a problem here.  How do we keep that from happening? Steve talks about the difference between income and money.

You may have see that Census Bureau story about Texas and Florida being the fastest-growing states, population-wise.  Coincidentally, both of those are considered to be low-tax states.  Jimmy Patronis, who is CFO of the state of Florida, tells Fox Business that’s a big attraction for people who are tired of paying high taxes… but what if I’m happy right here?  Do I really have to move, just to lower my tax bills in retirement?

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We have some breaking news, courtesy of the financial geniuses at Market Watch:  They’re reporting that … quote, “Most people have no clue what they pay for their 401(k).”  Hmmm, let’s see … where have we heard that before?  Oh yeah, we heard it from you … right here on this show!  You’ve been telling us for a long time that a lot of retirement savers are having their returns eaten up by fees … and they don’t even realize it!  So, please tell us again, what can we do about that?

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Retirement is something we look forward to – if we’re prepared.  But the Census Bureau says the pandemic is forcing some 3 million older Americans to retire earlier than they’d planned. Steve discusses how if you're in this situation, how he can help you - its never to late for financial planning.

Then, Steve talks about how President Biden said that no one making under $400,000 will have taxes increase but that is a lie according to Steve! How can you prepare NOW? 

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On this weeks show, you may have heard Steve interviewing Bill Murray - how cool is that ?

Steve had the opportunity to meet and chat with Bill Murray and his brothers (Brian Doyle, Joel, Andy and Johnny) during their 20th "Murray Bros. Caddyshack Charity Golf Tournament" in St. Augustine, FL! 

This is a small part of the interview that didn't air - enjoy! 

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When it comes to the different expenses you’re going to have in retirement, most of them are fairly predictable.  But there’s one that could range from a little … to a lot:  Healthcare.  You might get lucky … or you might suffer a major illness that wipes out the savings you thought would last you 20 or 30 years.  So, how can we plan for healthcare, when we really have no way of knowing how much it’s going to cost us? 

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Do you worry about running our of money in retirement? How much money would you need to have in your retirement account to feel comfortable? Steve shares his bucket approach and how he can help you retire STRESS FREE and never run out of money! 

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A lot of investors have been celebrating the new record highs on Wall Street.  But CNBC’s Jim Cramer is not one of them.  Cramer says the rallies are not supported by the fundamentals, a condition he describes as being a “frothy” market…what about those of us who have retirement savings in the market – do we also need to “take something off the table”?  

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Steve talks about if it's okay to invest “a small amount of money” in Bitcoin, or is it just too risky for those of us who are trying to grow our nest egg?

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