The Hidden Risk of "High-Yield" Cash in Retirement
Stay Wealthy Retirement Podcast
Release Date: 06/05/2025
7 Investing Facts Every Retirement Saver Needs to Hear
Stay Wealthy Retirement Podcast
Itâs that time of year againâtime to step back from the complex tax strategies, Roth conversion debates, and retirement planning deep dives⊠and have a little fun. đ In this annual âsurprising statsâ episode, Iâm sharing 7 counterintuitive facts about the markets and investing. Some are counterintuitive. A few might make you question things youâve believed for years. And at least one involves math that should make anyone considering complex insurance products hit the pause button. By the end of todayâs episode, youâll walk away feeling more confident in the proven...
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3 Tax Planning Strategies Most Retirement Investors Overlook
Stay Wealthy Retirement Podcast
đ„ Download the freshly updated 2026 Tax Planning Cheat Sheet (PDF): *** Most year-end tax advice is generic... max out your 401(k), bunch your deductions, donate to charity. But for diligent retirement savers with healthy nest eggs, the real opportunities are more nuanced. In this episode, I break down three tax strategies that can help you avoid overpaying the IRS and reduce your lifetime tax bill. You'll learn how to evaluate whether each move makes sense for your situation, so you're making informed decisions rather than chasing aimless deductions. If you're nearing...
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âHappy Thanksgiving (Yes, Even the Jerks)â: Wisdom from Warren Buffett
Stay Wealthy Retirement Podcast
The Oracle of Omaha is officially âgoing quiet.â In a rare and deeply personal announcement, Warren Buffett published what appears to be his final press release to shareholders. This episode isnât about taxes, investing, or the latest market headlines. Itâs about how one of the most successful investors of all time is thinking about money, family, aging, and what actually matters when the scoreboard stops moving. In this Thanksgiving special, I break down: ⶠWhy he chose to say this now (at age 95!) ⶠWhat retirement savers and investors can learn from his message â¶...
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The S&P 500 Trap: Why the "Safe" Choice Is Actually Risky for Retirees
Stay Wealthy Retirement Podcast
"Just buy the index." Itâs the simple advice that built your wealth and got you to the finish line. But hereâs what often gets overlooked: The strategy that got you to retirement won't necessarily keep you there. When you switch from saving to spending, the math changes. Suddenly, relying on a "simple" S&P 500 strategy exposes you to risks that didn't matter when you had a paycheck. In this episode, we cover: ⶠThe Simplicity Trap: Why "decision fatigue" lures smart retirees into risky, overly concentrated portfolios. ⶠS&P 500 Reality Check: Why the "safe" default option is...
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Why Retirees Fear Running Out of Money â Even Though They Rarely Do
Stay Wealthy Retirement Podcast
Everyone fears running out of money in retirementâeven millionaires. What most people donât realize is that research shows most retirees rarely spend down their savings. In fact, many actually see their wealth grow throughout retirement, even during some of the toughest markets in history. In this episode, we unpack: ⶠWhy that happens ⶠWhat the data really says about retirement spending ⶠHow to find the right balance between confidence and caution By the end, youâll see why most retirees worry far more than they need to, and how to feel confident spending your own money....
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The Truth About Long-Term Care Insurance (and When to Buy It)
Stay Wealthy Retirement Podcast
Sales of "traditional" long-term care insurance have fallen 92% since 2002. Meanwhile, hybrid policies have surged to over 500,000 sales a year. But which option actually makes sense for your situation? In this episode, I break down everything you need to know before buying long-term care insurance, including: ⶠThe optimal age to purchase ⶠTraditional vs. hybrid policies (the real pros and cons beyond the sales pitch) ⶠThe actual costs of proper coverage I'm also sharing three critical implementation details that can make or break your coverage when you need it most. If...
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Long-Term Care: A 5-Step Process to Determine If You Can "Self-Fund"
Stay Wealthy Retirement Podcast
You've heard it beforeâ70% of Americans over 65 will need long-term care. While that number is technically true, itâs also misleading. Because here's what many people donât realize: the vast majority of retirees will never face a catastrophic, six-figure care event. In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime! đ€Ż So how do you prepare responsibly without overpaying for protection you may never use? In this episode, I walk you through a simple 5-step process to decide if you can safely "self-fund" your long-term care needs, while still protecting...
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8 Red Flags Youâre About to Get Scammed
Stay Wealthy Retirement Podcast
Americans lost a record $16 billion to scams in 2024ânearly 40% from investment fraud alone. The trend is moving in the wrong direction. In this episode, I share the story of a small-town financial advisor who built trust over decades, until that trust unraveled into one of the most devastating scams theyâd ever seen. More importantly, I break down 8 red flags that experts say could indicate you're being conned. Because hereâs the truth: falling for a scam doesnât mean youâre careless or foolishâit means youâre human. And understanding the psychology behind deception is the...
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6 Reasons Why Delaying Social Security Might Hurt Your Retirement
Stay Wealthy Retirement Podcast
Most experts say the smartest Social Security move is to wait until age 70 to claim. On paper, the logic seems simpleâdelay claiming, and youâll lock in a larger monthly check for life. But hereâs what's interesting: only about 10% of Americans actually wait that long. đ€Ż Nearly one-third claim Social Security at 62, and the majority file before full retirement age. So are millions of retirees making a huge mistake⊠or is the conventional wisdom missing something? In todayâs episode, Iâm sharing findings from a new research paper showing why delaying until 70 isnât always...
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7 Signs Youâre Closer to Retirement Than You Think
Stay Wealthy Retirement Podcast
Weâve been told our whole lives that retirement happens at 65âmaybe 62 if youâre lucky. But in my experience, that traditional timeline isnât always the reality. In fact, for many people, retirement may be much closer than they realize. After nearly 20 years of building retirement plans, Iâve noticed a recurring theme: Most people overestimate how much they think they need and underestimate how ready they already are. Thatâs why in this episode, Iâm breaking down 7 signs that could mean youâre closer to early retirement than you realize. These arenât about chasing some...
info_outline"Cash is king" has guided investors since the 1987 market crash.
But what if this so-called "king" is actually putting your retirement plan at risk?
Millions of retirees are lured by today's enticing cash yields, confusing safety nets for sound investment strategies.
In this episode, I'm revealing why cash (even at 4-5%) is a deceptive long-term investment.
I'm also sharing details about a critical investment performance metric to help you make more informed portfolio decisions.
If you're wondering how to balance safety and growth in today's uncertain market, this episode is for you.
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