Retire With Peace
In this episode of the Retire with Peace podcast, host Dave Zaegel discusses effective tax planning strategies for charitable donations, particularly focusing on the benefits of donating appreciated stock instead of cash. He explains how this approach can help avoid capital gains taxes and maximize tax deductions, especially in high-income years. The conversation also covers the advantages of using Donor Advised Funds to streamline charitable giving and enhance tax benefits. Additionally, Zaegel highlights the importance of considering state tax credits for charitable contributions, providing...
info_outline Ep 120: Don't Beat the S&P 500 in RetirementRetire With Peace
In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the importance of strategic retirement planning, particularly focusing on the S&P 500 index and the risks associated with investing during retirement. He emphasizes the need for a balanced approach that includes both long-term growth investments and a short-term investment bucket to mitigate risks such as sequence of returns. The conversation highlights the significance of having a well-structured investment strategy that prioritizes safety and growth for retirement income. Takeaways Beating the S&P...
info_outline Ep 119: Good vs. Optimal Timing in the Stock MarketRetire With Peace
In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the concept of market timing and its implications for investors. He emphasizes the importance of understanding the time frame for investments, distinguishing between short-term and long-term strategies. Zaegel provides historical context by analyzing market trends during significant events like COVID-19 and the Great Recession, illustrating that while optimal timing is elusive, long-term investing generally yields positive results. He encourages listeners to focus on long-term growth rather than trying to predict...
info_outline Ep 118: Recession Is ComingRetire With Peace
In this episode of the Retire with Peace podcast, Dave Zaegel discusses the inevitability of recessions and the importance of planning for them in retirement. He emphasizes that while recessions are a natural part of the economic cycle, the constant predictions of impending recessions can lead to unnecessary fear and missed opportunities. Zaegel advocates for a proactive approach to financial planning, suggesting that having at least five years of income set aside can provide security and allow retirees to take advantage of market downturns. He encourages listeners to focus on what they can...
info_outline Ep 117: Elections & InvestmentsRetire With Peace
In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the intersection of politics and financial planning, particularly in the context of upcoming elections. He emphasizes that while political events can create anxiety, they do not significantly impact long-term investment strategies. Zaegel encourages listeners to focus on what they can control in their financial planning and to remain calm amidst political uncertainty. He provides historical examples of political promises that were not fully realized, reinforcing the idea that change is often slower than anticipated....
info_outline Ep 116: Must SleepRetire With Peace
In the Episode, Dave Zaegel discusses the critical importance of sleep for overall health, particularly as individuals age. We discuss how adequate sleep—around 7-9 hours per night—supports metabolism, mood stabilization, and bodily repair, while also facilitating the brain's ability to process information and store memories. The episode emphasizes that sleep plays a key role in emotional regulation, highlighting that consistent sleep patterns are essential, as one cannot easily compensate for sleep deprivation. The engaging discussion underscores the necessity of prioritizing sleep for a...
info_outline Ep 115: Are Supplements Worth It?Retire With Peace
In this episode of the Retire with Peace Podcast, host Dave Zaegel discusses the role of supplements in maintaining health, particularly as it relates to retirement. He emphasizes the importance of a healthy lifestyle, including exercise, nutrition, and sleep, while providing insights into specific supplements like multivitamins and creatine. The conversation aims to clarify the benefits and risks associated with various supplements, encouraging listeners to prioritize foundational health practices before relying on supplements. Takeaways Health is crucial for a quality retirement....
info_outline Ep 114: Walking Is UnderratedRetire With Peace
In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the often overlooked benefits of walking as a form of exercise. He emphasizes its accessibility, affordability, and the numerous physical and mental health benefits it provides. From calorie burning to immune system support, walking is presented as a simple yet effective way to enhance overall well-being, especially during the fall season. Zaegel encourages listeners to incorporate walking into their daily routines, highlighting its role in retirement planning and maintaining a healthy lifestyle. Takeaways: ...
info_outline EP 113 - Replay of Episode 31 with Dr. Julie SmithRetire With Peace
A happy retirement involves much more than just having enough money. Your good health is a critical component to retiring with confidence. Sometimes, that health is out of our control. But often times, it's is our actions (or inactions) that determine how healthy we are physically and mentally. In this episode, we are joined by Dr. Julie Smith, a physical therapist and health coach, to learn more about her journey and how to stay healthy as we get older. You can find more information about Julie at: Website: Facebook: Dr. Julie FitSmith Podcast: Spotify:...
info_outline Ep 112: Replay of Episode 32 with Chelsea TheodoropoulosRetire With Peace
This Episode is a Replay of Episode 32. A happy retirement involves much more than just having enough money. Your good health is a critical component to retiring with confidence. Sometimes, that health is out of our control. But often times, it's is our actions (or inactions) that determine how healthy we are physically and mentally. In this episode, we are joined by Chelsea Theodoropoulos, owner of Burn Bootcamp St. Louis, to learn more about her journey, Burn Bootcamp, and how to stay healthy as we get older. You can find more information about Chelsea at ....
info_outlineIn this episode of the Retire with Peace podcast, Dave Zaegel discusses the inevitability of recessions and the importance of planning for them in retirement. He emphasizes that while recessions are a natural part of the economic cycle, the constant predictions of impending recessions can lead to unnecessary fear and missed opportunities. Zaegel advocates for a proactive approach to financial planning, suggesting that having at least five years of income set aside can provide security and allow retirees to take advantage of market downturns. He encourages listeners to focus on what they can control in their financial planning to ensure a peaceful retirement.
Takeaways:
- Recessions are inevitable, but their timing is unpredictable.
- Fear of recession can lead to poor financial decisions.
- Planning for at least five years of income can provide security.
- Market downturns can present investment opportunities.
- It's important to control what you can in financial planning.
- Constant recession predictions can create unnecessary anxiety.
- Having a diversified investment strategy is crucial.
- Individual bonds and structured notes can be safer than bond funds.
- Retirement planning should account for economic uncertainty.
- A proactive approach to financial planning leads to peace of mind.
Important Quotes:
"Recession is coming and we have no idea when."
"Don't freak out about a possible recession."
"Recessions don't have to be scary."