Greatest Hits: Retirement Made Easy’s 5 Most Downloaded Episodes, Ep #162
Release Date: 04/16/2024
The Social Security Surprises That Could Cost You Thousands, Ep 190
RETIREMENT MADE EASY
Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time. The timing of your claim, whether you’re still working, your marital history, even how you coordinate with your spouse’s benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don’t know how the system works. That leaves you on your own to navigate rules that weren’t...
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What That New Tax Bill Really Means for Your Retirement, Ep 189
RETIREMENT MADE EASY
Most people nearing retirement aren’t thinking about tax legislation; they’re focused on their savings, Social Security timing, or making sure their lifestyle doesn’t outlive their money. But what if a single bill quietly reshapes the rules you’ve been planning around? In this episode, I break down a new piece of legislation that’s generating significant political buzz but concealing some far-reaching implications for retirees and pre-retirees alike. If you’ve heard soundbites about “the biggest tax cut in history,” you might assume you’re in for a windfall. The truth? It’s...
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The Overlooked Truths About Your Retirement Paycheck, Ep 188
RETIREMENT MADE EASY
Most people heading into retirement think they’ve got it covered: a pension, some savings, maybe Social Security. But what if the things they’re counting on are either misunderstood or dangerously overestimated? This episode sheds light on a few hard-hitting truths that most folks never hear until it’s too late. Retirement income isn’t just about how much you have, it’s about how that income behaves over time, and how taxes, inflation, and planning gaps quietly erode the security you thought you had. As I walk through the mechanics of Social Security, from its inflation adjustments...
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Why Some Retirement Products Can Trap Your Savings (and What to Watch For), Ep 187
RETIREMENT MADE EASY
Most people who are gearing up for retirement are heads-down focused on building savings. But there’s one important thing they don’t consider: what happens to your money once it’s “locked away” in certain retirement products. In this episode, Gregg Gonzalez digs into annuities - what they are, why they’re sometimes pitched so hard, and how they can quietly trap your savings if you're not careful. If you’re just assuming a big 401(k) or IRA balance will mean total freedom in retirement, it’s time for a closer look. He breaks down the four types of annuities, the fine print you...
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How Real People Nail Retirement, Ep 186
RETIREMENT MADE EASY
Retirement doesn’t come with a universal playbook, but you can learn a lot from people who’ve already been through it. Gregg shares stories from real clients that reveal what quietly sets the most successful retirees apart. These aren’t surface-level tips, they’re patterns that show up again and again in the lives of people who’ve built the kind of retirement others only hope for. The episode highlights three strategies that create a strong foundation: keeping cash accessible for both the unexpected and the inevitable, setting personal goals that matter to you (not just sound...
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The Questions Your Future Self Wishes You’d Asked Before Retiring, Ep 185
RETIREMENT MADE EASY
You may believe your retirement is all set, with savings secured and timelines mapped out, but then the questions start flooding in, shaking that sense of certainty. This episode reveals the questions people start asking as retirement gets closer, from Roth conversions and Social Security to how inherited money works.. Gregg walks through questions from listeners and clients that reveal the lesser-known stuff, like why turning 73 or 75 matters way more than you’d expect, what changes if you’re still working, or how one checkbox on a beneficiary form can shift who ends up with your money....
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The Ins & Outs of Roth Conversions, Ep 184
RETIREMENT MADE EASY
Retirees usually think the tax decisions are done once they stop working. But the truth is, many are sitting on large pre-tax balances that can quietly lead to bigger tax bills later—especially when required minimum distributions kick in or a spouse passes away. It's not just about saving money, it's about how that money is taxed when you actually need to use it. Roth conversions offer a way to shift those tax liabilities earlier, on your terms. I explain when that tradeoff makes sense and when it doesn’t, using clear, real-world examples. You’ll hear how a couple with zero current tax...
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Why Your Retirement Savings Feels Unstable (And What to Do About It), Ep 183
RETIREMENT MADE EASY
Most people don’t think about market swings until their retirement accounts take a hit. If your 401(k) balance is dropping or you’re feeling uneasy, you’re not alone. Recent shifts, fueled by tariff changes and global uncertainty, have left many wondering what to do next. But you don’t have to ride this out blindly. We break down why this is happening, how it impacts your savings, and what you can do to stay on track. Some investors take on more risk than they realize, and waiting too long to adjust can cost them. Knowing how to match your investments with your comfort level can make...
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The Retirement Blind Spot: What Most People Overlook Before Leaving Work, Ep 182
RETIREMENT MADE EASY
Most people heading into retirement focus on the numbers—savings, pensions, Social Security, and investments. But the biggest risk isn’t always financial. The way you think about retirement can shape your entire experience, and too often, blind spots get in the way of a smooth transition. Conversations with pre-retirees show just how much mindset influences confidence, decision-making, and even long-term security. Common concerns like running out of money, healthcare costs, and inflation are valid, but they’re not always the biggest threats. Shifting focus can reveal risks that were...
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Retirement Pitfalls: Costly Money Moves You Don’t See Coming, Ep 181
RETIREMENT MADE EASY
Most people assume that if they’ve saved diligently, their retirement is secure. But the reality is that certain financial decisions—ones that seem harmless or even smart in the moment—can quietly erode your long-term security. Whether it’s taking on unexpected debt, mismanaging investments, or making emotional money moves, these mistakes can cost retirees tens (or even hundreds) of thousands of dollars over time. Today, we uncover some of the most common and costly retirement pitfalls that people don’t see coming. From high-interest home equity loans to over-investing in trendy...
info_outlineI’ve recorded over 160 episodes since the Retirement Made Easy podcast launched. In this special “Greatest Hits” episode of the Retirement Made Easy podcast, I’ll share snippets from the 5 most downloaded episodes. They include some of my best advice for navigating retirement preparation, so you can live out the retirement of your dreams.
Have an idea for a future episode topic? Do you have a question you need answered? Feel free to submit your questions to me at RetirementMadeEasyPodcast.com!
You will want to hear this episode if you are interested in...
- [0:33] The 5 Most Downloaded Episodes of 2023
- [3:21] Episode #5: 5 Ways to Prepare for Retirement, Ep #154
- [7:31] Episode #4: What Social Security Isn’t Telling You, Ep #150
- [12:30] Episode #3: The Level of Detail Required in a Great Retirement Plan, Ep #145
- [18:56] Episode #2: The Basics of Managing Your Retirement Income, Ep #143
- [28:35] Episode #1: How Saving for Retirement May Change in 2024, Ep #146
Resources & People Mentioned
Connect With Gregg Gonzalez
- Email at: [email protected]
- Podcast: https://RetirementMadeEasyPodcast.com
- Website: https://StLouisFinancialAdvisor.com
- Follow Gregg on LinkedIn
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- Follow Gregg on YouTube
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