Retirement Starts Today

Giving advice to your parents can be a challenge both for you and for them. However, there comes a time when the roles reverse and our parents may need to hear our practical advice. If you have been wondering how to go about doing this you're not alone.

This week we'll explore a retirement headline from Francine Russo at WSJ titled How to Give Your Parents Advice That They Will Actually Listen To. And to continue with the parent-child relationship theme we'll answer a listener question about moving to be near the kids and grandkids in retirement. Don't miss out on this helpful episode. Press play now.

• [1:12] How to give your parents advice
• [6:32] On moving to be closer to adult children and grandchildren

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Investing in yourself is a great way to invest in your retirement. You may know Fritz Gilbert from the Retirement Manifesto blog or you may even have read his book, Keys to a Successful Retirement. What you may not know is how he has invested in himself in retirement.

On this episode of Retirement Starts Today, you'll hear how Fritz has chosen to invest in his community and himself through a charity that his wife started. Listen in to hear how Fritz's life took off in unexpected directions because he chose to follow his curiosity.

• [2:22] How Fritz's life has changed in retirement
• [5:30] Getting engaged in a charity is a great transition
• [10:23] How he has invested in his physical health

• BOOK - Younger Next Year by Chris Crowley
• PODCAST - Can Carl Retire? See The Retirement Planning Process In Action
• FI Chautauqua Ecuador
• Episode 146 - The Hidden Chances of Retirement with Fritz Gilbert

• Freedom for Fido
• The Retirement Manifesto
• BOOK - Keys to a Successful Retirement by Fritz Gilbert

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Do you typically like to get your taxes done early? Before you rush out to submit your tax return, listen to this episode to hear why you might want to wait.

In this episode, we'll explore a CNBC article by Kate Dore that lists the reasons you may want to wait to file your taxes in 2023. After the Retirement Headlines segment, Bret and I will discuss the differences between bonds and bond funds to see if we can answer which one is better.

Finally, in the Personal Development section, Scott from Houston will let us know what he has been doing to improve his life and health in retirement. This episode is packed full of helpful, informative ideas that you can use to improve your life in retirement. Press play now to listen.

• [1:22] Early filers should wait to submit their tax returns
• [6:00] Which are better: bonds or bond funds?
• [12:52] Scott is reassessing the practices and habits of his everyday life

• BOOK - Raise Your Healthy Deserve Level by Gary Kadi
• Episode 282 - Raise Your Healthy Deserve Level an Interview with Gary Kadi
• 'Early filers' should wait to submit their tax return in 2023, the IRS warns. Here's why

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I'm so excited to bring you this interview with Gary Kadi. Gary is the author of one of the best books I read in 2022, Raise Your Healthy Deserve Level. I call this an accidental retirement book because although it is not specifically written for retirees, many topics apply to retirement.

Gary has so much to share in this interview. We discuss how to receive good things in life, how your net worth is directly proportional to your self-worth, why you shouldn't reject good things, why only 5% of people retire with financial freedom, and how to find fulfillment in retirement.

This was a fantastic interview and I know you'll enjoy hearing from Gary Kadi. Press play to hear what he has to say.

• [2:12] In life you don't get what you deserve, you get what you think you deserve
• [6:20] Tips to work on yourself that can spill over into your finances
• [8:50] Retirement is an inside job
• [13:00] What do you do to find fulfillment in retirement
• [19:49] Accept yourself for who you are

• BOOK - Raise Your Healthy Deserve Level by Gary Kadi
• BOOK - Think and Grow Rich by Napoleon Hill
• Benjamin Hardy
• BOOK - Be Your Future Self Now by Benjamin Hardy

• Raise Your Healthy Deserve Level Facebook group

• Dive deeper into retirement planning with Ben at www.RetirementIncome.University
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Many people are concerned that rising interest rates will eventually crash the housing market. Future retirees can become overly worried about the housing market since the value of their homes plays a huge role in their retirement plans.

This is why an article from Annie Lowrey at the Atlantic caught my eye. Today, we'll dive into the article, The U.S. Needs More Housing Than Almost Anyone Can Imagine, and prognosticate the future of the housing market.

• [1:32] Addressing housing affordability concerns
• [7:50] What to look for in a tax preparer
• [14:50] What Jim did to improve his retirement

• Atlantic article: The U.S. Needs More Housing Than Almost Anyone Can Imagine

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Have you ever thought about what the future might be like for your children and grandchildren? In this week's retirement headline, we'll explore a Wall Street Journal article called What Old Age Might Be Like for Today's 30-Year-Olds.

During the listener questions segment, one listener wonders whether it is possible to have too much Roth money. Finally, stay tuned for the personal development segment where we learn what Jerry is doing to find purpose and stay active in retirement.

• [1:22] What old age might look like for today's 30-year-olds
• [7:38] My thoughts
• [9:12] Is it possible to have too much Roth money?
• [13:57] Jerry's investments in himself in retirement

• What Old Age Might Be Like for Today's 30-Year-Olds
• BOOK - Raise Your Healthy Deserve Level by Gary Kadi
• The Retirement Manifesto

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Welcome back to Retirement Starts Today Radio! Today we have an extra special episode for two reasons.

Today, you'll finally meet our newest advisor, Bret Mulvaney. He joins me today to discuss the most recent legislation regarding tax and retirement planning.

This entire episode is dedicated to reviewing the Secure Act 2.0. Listen in to learn what's changing in retirement planning and how the Secure Act 2.0 will change your retirement tax situation.

• [2:12] The age for RMDs is changing
• [7:58] Qualified Charitable Distributions have not changed
• [10:35] Roth 401k or 403b no longer needed RMD
• [12:00] An update to 529 plans
• [16:58] Key takeaways

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Do you ever wish you could sneak a peek into someone else's retirement financial plan? Our retirement headline this week does just that. The article, Some Now More Later, takes a look into Richard Connor's decision-making process as he examines how best to allocate his retirement funds and how he and his wife decided how to claim their Social Security benefits.

After the retirement headlines segment, we'll discuss the best way to rebalance a portfolio in retirement. And lastly, in the personal development segment, you'll hear our first audio submission from Linda on how she made an investment in herself by committing to learning a foreign language in retirement. Don't miss out on this informative episode!

• [1:52] Deciding how to claim Social Security with multiple sources of income
• [9:32] Connor and Vicky's retirement income plan
• [17:18] A rebalancing question
• [23:20] Linda has started to learn Spanish in retirement

• Retirement Income University
• Some Now More Later
• Episode 277 - Social Security Benefits to Run Out Faster Due to Social Security COLA Increase
• OpenSocialSecurity.com

• Retirement Income University
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Welcome back to a new year or Retirement Starts Today Radio! Just as you have been envisioning your retirement, I've been envisioning exciting new things for this podcast.

This year we are kicking off a couple of new additions to the show that I'm particularly excited about. After the retirement headlines, we'll have our new Lead Financial Advisor, Bret, join us as an occasional co-host for the listener questions segment. In addition to our original segments, you'll hear from listeners like yourself in our new personal development segment.

On this episode, you'll hear the latest news on the Social Security front, I'll answer a question about the best investment options for mid-term investments in a retirement portfolio, and one listener, Frank, will describe how he is investing in his health to improve his retirement. Make sure to stick around until the end to hear the latest addition to your second favorite retirement podcast!

• [2:12] The number of American retirees is outpacing the number of workers
• [3:52] There are really only two ways to solve this problem
• [10:15] My thoughts on claiming Social Security
• [11:40] The best investment options for short and intermediate-term
• [17:39] Frank is proud of exercising every day in retirement

• Investment News article
• Episode 99 - What Can a Mullet Teach us About Portfolio Distribution?

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