Will More Money Actually Make You Happier in Retirement?: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Release Date: 09/24/2025
How Will AI Affect Annuities?: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Anticipating AI-driven longevity shifts Understanding how annuities are truly priced Locking in today’s assumptions before they change Choosing guarantees and carriers with intention Key Takeaways: Advances in artificial intelligence are expected to significantly extend life expectancy, especially through medical breakthroughs. Longer projected lifespans will materially affect how lifetime income products are priced in the future. Lifetime income annuities are driven primarily by life expectancy tables, not just...
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Kick the Tax Can Forever With MYGAs: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Understanding MYGAs as CD alternatives Using tax deferral to improve long-term growth Extending deferral through strategic rollovers Evaluating liquidity and fit Key Takeaways: A Multi-Year Guarantee Annuity functions like a CD with a fixed rate and a defined term. It offers principal protection, no market exposure, and predictable growth. Terms typically range from one to ten years, depending on the carrier. Unlike CDs in non-qualified accounts, MYGA interest is not taxed annually. Taxes are deferred until...
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Tom Hegna: Don't Worry, Retire Happy! (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man and Tom Hegna discuss: Saying no to DIY retirement What is the right age for retirement is How annuity addresses inflation Securing guaranteed lifetime income with annuities Key Takeaways: Retirement is not a DIY project; do it with a professional. The age for retirement would not be the same for many. If you want to get the optimal age, you have to spend some time calculating all the factors that go into it. Be creative in doing something that can help your retirement. It’s okay if you have to...
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Consider Giving Your Money Away Now: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Giving while you’re alive to create a meaningful impact Letting background inform legacy decisions Balancing support with personal responsibility Building a living legacy through intentional planning Key Takeaways: Providing financial support earlier in life can influence long-term stability and opportunity. Assistance during early adulthood often carries greater practical value than delayed inheritance. Financial philosophies are shaped by upbringing and lived experience. Recognizing these influences can help...
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The New Financial “F” Word: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Questioning the fiduciary label Recognizing bad advice despite credentials Performing personal due diligence Choosing advisors carefully and staying informed Key Takeaways: “Fiduciary” is often misused by advisors as a marketing badge rather than a guarantee of acting in the client’s best interest. Consumers should not assume a plaque or certification automatically equals sound advice. Even certified fiduciaries can make improper or risky recommendations, as illustrated by a reverse mortgage case leading to...
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Terry Savage: Chicken Money Is Still Tasty (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man and Terry Savage discuss: What is “chicken money”? Considering future crises in your financial plan Seeking trusted advisors Building an income floor Key Takeaways: Your “chicken money” is money that you can’t afford to lose. CDs, treasury bills, money markets, AAA municipal bonds, and MYGAs are suitable options. MYGAs and CDs are great for principal protection and tax deferral benefits. Focus on having an income floor and principal protection in retirement plans. It’s important to consider...
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Life Insurance Loans Are Not Income: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Understanding why life insurance loans are not income Questioning glossy tax-free income pitches Keeping life insurance simple and purpose-driven Testing illustrations and setting clear expectations Key Takeaways: Loans from a life insurance policy are not income, just as bank loans are not income. They are tax-free only because they must be repaid, not because they create earnings. Calling them “tax-free income” is a misleading sales framing. Many life insurance illustrations rely on optimistic assumptions...
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Roth IRA Annuity Industry Insanity: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Seeing through product-driven Roth pitches Recognizing political risk in long-term tax planning Keeping conversions separate from annuity products Avoiding shiny-object sales tactics Key Takeaways: Treat Roth conversions as tax decisions rather than annuity strategies. Rely on math and tax guidance instead of sales-driven framing. Understand that tax-free structures like Roths can face future policy shifts. Plan with awareness that political changes may affect long-term assumptions. Run conversion numbers...
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Michael Finke: Why Annuities Make Sense Right Now (From the Vault)
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man and Michael Finke discuss: Annuities are more attractive today Protecting your future lifestyle Cutting little slices from the birthday cake There’s no perfect product to solve for inflation Key Takeaways: At the time of this episode’s taping, near-retirees can lock in 5.2% on five-year MYGAs for the next five years; however, it may go up or down. When buying an annuity, you're buying yourself a minimum standard of living forever, no matter how long you live. You have to choose if you want to shoulder the...
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Death as an Annuity Strategy: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
In this episode, The Annuity Man discussed: Designing dependable inheritances Structuring income for generations Choosing tools for guaranteed legacy streams Partnering wisely with trusted professionals Key Takeaways: Integrating annuities into estate plans allows individuals to pass on structured, reliable income rather than lump-sum inheritances, protecting beneficiaries from mismanagement or market risk. Estate plans can specify lifetime payments, joint-income arrangements, or funds designated for annuities, giving families long-term financial stability...
info_outlineIn this episode, The Annuity Man discussed:
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Think again, would more money change your life?
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Peeling off the interest
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Are you really affected by inflation?
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Live your life now
Key Takeaways:
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Why do you still keep money in the markets when you’ve won the game? Think about it, would more money really change your life? If the answer is no, then why are you putting your money at risk?
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Treasuries, CDs, Fixed-Rate Annuities, and MYGAs are at a level where you can just peel off the interest, never touch the principal, and never pay any fees.
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60% of adults have less than $400 to their name. Those people are the ones really affected by inflation, not millionaires like you.
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If you need more money, go get it. But for those who don’t need it, why are you still trying to chase more? You don’t need to put your resources into volatility; what you need to do is to live your life now.
"Why are you putting all or a portion of your hopes and dreams in potential returns? Keyword: ‘potential.’ The only potential in your life should be the potential for you to live your life on your own terms because you've earned it. The potential is doing things for you." — Stan The Annuity Man
Connect with The Annuity Man:
Website: http://theannuityman.com/
Email: Stan@TheAnnuityMan.com
Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g
Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!