Welcome to PART 4 of 100 Episodes, 100 Lessons (for retirees and pre-retirees).

In this episode, we’ll walk through episodes 76-99 and bring home some key takeaways for you as you plan for and execute a successful retirement. I hope you enjoy this one!

If you are over 50, you’ve saved north of $1million for retirement, and you want to maximize retirement income, minimize your lifetime tax bill, and worry less about money…hit the FOLLOW button so you don’t miss out on the next 100 episodes!

-Kevin

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

Welcome to PART 3 of 100 Episodes, 100 Lessons (for retireesand pre-retirees).

In this episode, we’ll walk through episodes 51-75 and bringhome some key takeaways for you as you plan for and execute a successfulretirement. I hope you enjoy this one! 

If you are over 50, you’ve saved north of $1million forretirement, and you want to maximize retirement income, minimize your lifetimetax bill, and worry less about money…hit the FOLLOW button so you don’t missout on the next 100 episodes! 

-Kevin

⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

The journey continues. We are walking through 100 lessons from the first 100 episodes in this 4-part series. I hope you enjoy part 2!

If you are over 50, you’ve saved north of $1million for retirement, and you want to maximize retirement income, minimize your lifetime tax bill, and worry less about money…hit the FOLLOW button so you don’t miss out on the next 100 episodes!

⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation:

Thank you all for supporting this show for the last few years. Especially for those of you who supported me in the early days when I thought nobody was listening. I even took a 4 month hiatus without announcing it because we were so in the trenches with our boys. All of a sudden I get an email out of the blue asking “Are you still doing the podcast?” That was the motivation I needed to get back in the game and just ‘hit record.’ In 2023, I began posting consistently ever 2 weeks. And in the beginning of 2025, I decided to go weekly! It hasn’t been easy, but I just want to thank all of you for keeping me motivated, this is why I do what I do. Keep the comments coming and make sure to share our show with someone you care about who is PFR Nation caliber!

Naturally, I was overthinking what I would do for this episode. However, my wife helped me simplify it per usual. I will be breaking down my top takeaway/lesson from all of the previous episodes, and we’ll do it in 4 parts. Part 1 covers episodes 1-25, so lets take a walk down memory lane together and recap important points from those early episodes. I hope you enjoy this series!

-Kevin

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I’ll address three more! 

Here they are:

1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”

2.       “I've set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”

3.       “How do we pay for health care before Medicare?”

You’re not going to want to miss this one, and hope you find it useful!  Thanks for tuning in.

-Kevin

Resources Mentioned in this Episode:

• Genworthand Carescout Cost of Care
• The ACA Premium Tax Credits AreChanging in 2026! (PFR Video)

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

We just announced our FREE GIVEAWAY winner and runner-up on the YouTube channel last Thursday. Thank you all for participating and making that process super enjoyable and engaging. One of the questions I asked for the giveaway was “What is one thing related to planning for retirement that keeps you up at night?” We received some amazing responses!! So, I thought I would dedicate this episode and the next to addressing some of the best questions in that YouTube thread.

This episode, we will wrestle with three of them:

1. I have the majority of my retirement savings in pre-tax accounts, so I am worried about how to do the complex math to optimize Roth conversions before RMDs kick in.
2. I worry that after a lifetime of saving, will I be able to draw down my retirement savings?
3. My wife is 9.5 years younger than me. I want to retire in a few years at 55, not sure how long after that she’ll keep working. But with that age gap it’s a long retirement timeline. How best do you plan for that?

You’re not going to want to miss this one and hope you find it useful! Thanks for tuning in.

-Kevin

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

I recentlydiscovered a Ted Talk by Dr. Riley Moynes about the “4 phases of retirement.” 

We talk a lotabout the financial side of retirement planning.

-             Safe withdrawal rates

-             Tax efficiency

-             Investing to and through retirement

-             Legacy

-             Insurance

However, it’s equally important to understand and thinkabout the softer side of retirement planning. In this episode, you will want to hear Dr. Moynes’ take on the 4 phases,and I’ll talk about a real-life hero in the College Football world that canhopefully inspire you to SKIP the dark and depressing phase! 

I hope you enjoy this one.

-Kevin

Takeaways

·     Retirement is not just a financialtransition; it's an emotional journey.

·     Understanding the four phases ofretirement can help avoid pitfalls.

·     The vacation phase is characterized byfreedom and excitement.

·     The loss phase involves identity andpurpose challenges.

·     Michael Phelps' experience illustratesthe emotional struggles of retirement.

·     Therapy and seeking help can be crucialduring transitions.

·     Finding new meaning in retirement isessential for fulfillment.

·     Engaging in service and mentoring canenhance retirement satisfaction.

·     Financial independence allows forexploration of new passions.

·     Planning for purpose in retirementshould start before retirement begins.

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

In this episode, I’m tackling America’s “headline culture,” how short clips and soundbites dominate not only politics, but also the way we think about retirement planning. With the tragic assassination of Charlie Kirk as a starting point, I reflect on how social media algorithms amplify the loudest, most divisive voices, while thoughtful, nuanced conversations get drowned out. When I dug into Charlie’s long-form interviews, like his sit-down with Gavin Newsom, I realized how much context gets lost and how much more common ground we really share when we go deeper.

The same thing happens in retirement planning. Viral soundbites like “Social Security is going bankrupt,” “Never pay off your mortgage,” “The 4% rule always works,” or “Financial advisors can’t beat the market, so don’t hire one” may sound convincing in 20 seconds, but they can be misleading and even harmful if you base major decisions on them.

In this episode, I break down why these headlines don’t tell the full story and what you should consider instead.

At the end of the day, just like politics, retirement requires long-form thinking. The clips may get clicks, but the deeper conversation is where the truth, and a confident retirement, really lives.

-Kevin

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

Welcome to another “Whiteboard Retirement Plan” breakdown!

Scottie and Meredith had the perfect plan: retire at 65, sign up for Medicare, and start Social Security at 67. With nearly $1.9 million saved, everything looked like it was on track, until life threw them a curveball. After some friends their age got sick and passed away, they started asking: Why wait? Can we retire right now at 60?

In this Whiteboard Retirement Plan, Kevin Lao stress tests their plan to see if early retirement is really possible without jeopardizing their future.

You’ll hear:

• How a five-year shift can dramatically impact retirement projections
• The hidden risks of retiring before Medicare and Social Security kick in
• Which levers (investment allocation, side hustle income, rental property, and more) can make early retirement realistic
• The trade-offs between financial security and living life on your own timeline

If you’ve ever wondered whether you could retire earlier than planned without blowing up your financial security, this episode is for you.

-Kevin

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.

PFR Nation,

As you approach retirement, or even when you are in the beginning phase of retirement, there is this natural feeling of concern about market uncertainty. After all, the market can turn south in a heartbeat, potentially even leading into a recession. Or worse, a prolonged recession. This term is also known as “Sequence of Returns Risk.” It’s not about your long-term average return, it’s about the ‘sequence’ those returns are generated.

I’ve been stress testing different rates of withdrawal with different starting periods. And the ‘Lost Decade’ of the 2000s is a perfect example of why sequence of returns is so important for retirees to protect against.

In this episode, I’ll highlight some of the major downturns since the 2000s. Then, I’ll talk about some real strategies that you can implement as you protect against sequence of returns risk. I hope you find this one useful!

And let me know what YOU plan to do to hedge against this risk. Also, make sure to share this episode with someone who is also approaching retirement, or who has recently retired! I’m sure they’ll also find it useful.

Thanks for tuning in.

Kevin

Key Topics:

• What Sequence of Returns Risk really means and why it matters more than long-term average returns.

• How the “Lost Decade” of the 2000s demonstrates the dangers of poor return sequencing.

• Practical strategies to protect your retirement portfolio from early losses.

• Tips for stress-testing withdrawal rates and planning for different market scenarios.

Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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This is for general education purposes only and should not be considered as tax, legal or investment advice.