Retire With Peace

The Retire With Peace podcast brings you actionable information for your retirement planning. Topics include financial planning, taxes, investments, social security, Medicare, personal health & wellness, and much more. Join Dave Zaegel, CPA, CFP as he covers various financial and lifestyle topics to help you Retire With Peace.

Ep 211: Moving Annuities in an IRA 08/04/2026

Ep 211: Moving Annuities in an IRA In this episode, Dave Zaegel discusses the considerations and strategies for moving or surrendering annuities, including the impact of surrender charges, tax implications, and when it makes sense to keep or transfer an annuity. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42300020

Ep 210: Depreciation Recapture 07/29/2026

Ep 210: Depreciation Recapture This episode explains the concept of depreciation recapture in real estate, covering how depreciation benefits investors and the tax implications when selling property. Understanding these rules is crucial for effective tax planning and investment decisions. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42252760

Ep 209: This Is the Way 07/21/2026

Ep 209: This Is the Way In this episode, Dave Zaegel discusses the importance of tailoring retirement planning to individual situations, emphasizing that there is no one-size-fits-all approach. He shares real-life examples and debunks common myths about investment strategies, highlighting the value of sticking to what works for you. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42152730

Ep 208: Confidence & Humility 07/14/2026

Ep 208: Confidence & Humility In this episode, Dave Zaegel discusses the importance of balancing confidence and humility in retirement planning, emphasizing risk management, diversification, and setting up a resilient financial structure. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/42060195

Ep 207: AI You Can Use in Retirement 07/07/2026

Ep 207: AI You Can Use in Retirement Discover practical, easy ways to leverage AI tools for organizing personal information, summarizing important details, and enhancing communication with professionals—while safeguarding your data. Whether you're a retiree or just want to streamline everyday tasks, this episode offers actionable insights on making AI work for you. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41973765

Ep 206: Social Security Scare 06/30/2026

Ep 206: Social Security Scare In this episode, Dave Zaegel discusses the future of Social Security, addressing common concerns about its solvency, and explores strategies for retirement planning amidst potential changes. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41809435

Ep 205: Perhaps Start Earlier 06/23/2026

Ep 205: Perhaps Start Earlier In this episode, Dave Zaegel discusses the importance of early retirement planning, focusing on tax strategies like Roth IRA conversions and capital gains management. Starting planning even a decade in advance can significantly ease the transition into retirement and optimize financial outcomes. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41721250

Ep 204: Position Size Matters 06/16/2026

Ep 204: Position Size Matters This episode emphasizes the importance of proper investment structuring and diversification in retirement planning. Host Dave Zaegel discusses how to manage risk, position sizing, and the significance of diversification, especially as one approaches or is in retirement. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41646615

Ep 203: Why So Worried About the Bubble? 06/09/2026

Ep 203: Why So Worried About the Bubble? In this episode, Dave Zaegel discusses the importance of proper financial structuring to withstand market bubbles and downturns. He emphasizes that long-term investing, having a solid income buffer, and focusing on health and tax planning are key to financial peace of mind. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41573790

Ep 202: The 4.7% Rule? 06/02/2026

Ep 202: The 4.7% Rule? This episode explores the origins and evolution of the 4% rule for retirement planning, highlighting recent adjustments by its creator and practical strategies for maximizing retirement income. Here's an article to skim through: /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41494725

Ep 201: Interest Rates Matter 05/26/2026

Ep 201: Interest Rates Matter This episode explores the impact of interest rate changes on investments and retirement planning, with practical strategies to adapt and benefit from rising rates. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41418540

Ep 200: Five Retirement Mistakes 05/19/2026

Ep 200: Five Retirement Mistakes In this episode, financial expert Dave Zaegel shares the five most common retirement mistakes and how to avoid them. From tax planning to health, learn practical strategies to secure a more enjoyable and financially stable retirement. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41338835

Ep 199: AI is Here 05/12/2026

Ep 199: AI is Here This episode explores the impact of artificial intelligence (AI) on our lives, emphasizing the importance of early adoption and simple steps to start using AI tools today. The host compares AI's emergence to COVID, highlighting the need for awareness and preparation. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41257240

Ep 198: Don't Fight the Trend 05/05/2026

Ep 198: Don't Fight the Trend This episode emphasizes the importance of not fighting market trends in retirement planning. It advocates for small, disciplined adjustments rather than drastic moves, highlighting the value of a solid planning foundation and strategic flexibility. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41141750

Ep 197: 60/40 versus 70/30 04/28/2026

Ep 197: 60/40 versus 70/30 This episode discusses the optimal bond and stock allocation for retirement portfolios, emphasizing the importance of aligning bond maturities with income needs rather than focusing solely on percentage allocations. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/41042730

Ep 196: One-off Withdrawals 04/21/2026

Ep 196: One-off Withdrawals This episode addresses common concerns about making one-time withdrawals from retirement accounts. Host Dave Zaegel explains why small, one-off withdrawals typically don't jeopardize your retirement plans, especially when they represent a small percentage of your total savings. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40935680

Ep 195: Replay of 116 - Must Sleep 04/14/2026

Ep 195: Replay of 116 - Must Sleep 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 healthier life. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40844425

Ep 194: Replay of 115 - Are Supplements Worth It? 04/07/2026

Ep 194: Replay of 115 - Are Supplements Worth It? 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. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40753685

Ep 193: Replay of 114 - Walking is Underrated 03/31/2026

Ep 193: Replay of 114 - Walking is Underrated In this episode of the Retire with Peace Podcast, Dave Zaegel revisits a simple—but often ignored—strategy that can dramatically improve your retirement lifestyle: walking. This replay highlights why walking isn’t just good for your health… it may also protect your financial future. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40667700

Ep 192: Replay of 111 - Resistance Training 03/24/2026

Ep 192: Replay of 111 - Resistance Training In this episode, Dave Zaegel discusses the benefits of strength training and resistance training for overall health and retirement. He explains that strength training not only improves muscle function and movement but also has positive effects on bone density, cognitive decline, metabolism, and the immune system. Dave emphasizes that resistance training can be started at any age and with various levels of intensity, and even simple exercises like bodyweight squats and using resistance bands can provide significant benefits. He shares personal experiences of how strength training has helped him stay healthy and recommends incorporating it into a regular fitness routine. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40579510

Ep 191: Replay of 110 - Lifestyle Fitness with Lucas Rockwood 03/17/2026

Ep 191: Replay of 110 - Lifestyle Fitness with Lucas Rockwood Lucas Rockwood, founder of YogaBody, discusses the importance of flexibility, mobility, and strength as we age. He shares his personal journey of transitioning from a marketing job to a career in yoga and wellness. Lucas emphasizes the concept of lifestyle fitness, which focuses on being able to do the things you want to do in retirement and living your best life. He recommends consistency in exercise, including a mix of cardiovascular activities, strength training, and stretching. Lucas also highlights the benefits of exercise in improving energy, strength, balance, and overall quality of life. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40503850

Ep 190: Replay of 109 - Drink Your Water 03/10/2026

Ep 190: Replay of 109 - Drink Your Water In this eye-opening replay, we dive into the often-overlooked habits that make or break your hydration. Water isn’t just about quantity—it's about how, when, and what you drink to maximize energy, focus, and overall well-being. Discover why many people are unknowingly dehydrating themselves and learn straightforward strategies to transform your hydration game without overcomplicating your routine. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40286435

Ep 189: Replay of 108 - Eat Your Protein 03/03/2026

Ep 189: Replay of 108 - Eat Your Protein In this episode, Dave Zaegel discusses the importance of being healthy in order to retire with peace. He emphasizes the need to prioritize health alongside wealth and shares his personal journey to getting healthy. The main focus of this episode is on the importance of eating enough protein and how it can contribute to overall health and weight loss. Dave provides tips on calculating protein intake and suggests dividing it into multiple meals throughout the day. He also highlights the benefits of eating enough protein, including improved immune function and overall well-being. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40285830

Ep 188: It's Not So Easy 02/24/2026

Ep 188: It's Not So Easy In this episode of the Retire with Peace podcast, host David Zaegel discusses investment strategies with a focus on identifying market opportunities and the importance of patience in long-term investing. He emphasizes the need to understand market narratives and how they can create investment opportunities, particularly in the context of emerging technologies like AI. Zaegel also outlines the importance of structuring investments to ensure consistent income during retirement while allowing for growth in the long term. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40209845

Ep 187: Opening Trump Accounts When Filing a Tax Return 02/17/2026

Ep 187: Opening Trump Accounts When Filing a Tax Return In this episode of the Retire with Peace podcast, host David Zaegel discusses the concept of Trump accounts for children, exploring their benefits and how they can be utilized by grandparents looking to support their grandchildren's financial future. The conversation delves into the mechanics of these accounts, the government's contribution, and alternative investment options such as custodial accounts, Roth IRAs, and 529 plans. The episode emphasizes the importance of understanding various financial tools available for children and making informed decisions based on individual family goals. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40124875

Ep 186: Risk is Fine with Proper Safety 02/10/2026

Ep 186: Risk is Fine with Proper Safety In this episode of the Retire with Peace podcast, host Dave Zaegel discusses the importance of balancing aggressive investing with safety and discipline, especially in retirement. He emphasizes the need for proper controls and safety measures before taking on more risk, such as setting aside at least five years of income outside the market. Zaegel also highlights the significance of having discipline in managing investments, including taking profits and reallocating funds for safety. The conversation aims to encourage listeners to focus on growth while ensuring they have a solid safety net in place. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/40042495

Ep 185: IRA Withdrawal Order with RMDs 02/03/2026

Ep 185: IRA Withdrawal Order with RMDs In this episode, Dave Zaegel discusses the intricacies of Qualified Charitable Distributions (QCDs) and their tax implications, emphasizing the importance of order in IRA withdrawals, particularly when dealing with Required Minimum Distributions (RMDs) and Roth IRA conversions. He provides practical advice on how to effectively manage these financial tools to maximize tax benefits and ensure compliance with IRS rules. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/39956345

Ep 184: Never Stop Learning, Even in Retirement 01/27/2026

Ep 184: Never Stop Learning, Even in Retirement In this episode, Dave Zaegel emphasizes the importance of continuous learning, especially as one transitions into retirement. He discusses how learning should not stop at any age and highlights various ways to keep the mind active, such as learning a new instrument, gardening, or exploring new cultures. The conversation underscores the idea that the brain, like any muscle, needs constant exercise to stay sharp and healthy. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/39873285

Ep 183: Why the Federal Reserve and Interest Rates Matter 01/20/2026

Ep 183: Why the Federal Reserve and Interest Rates Matter In this episode of Retire with Peace, I break down what the Federal Reserve actually does, what it doesn’t control, and why relying on headlines instead of strategy can put your retirement income at risk. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/39788230

Ep 182: Something Crazy Will Happen in 2026 01/13/2026

Ep 182: Something Crazy Will Happen in 2026 In this episode, Dave Zaegel discusses the expectations for 2026, emphasizing the likelihood of unexpected events impacting the market. He highlights the importance of planning for market fluctuations and preparing mentally for potential downturns. The conversation stresses the need for financial resilience, advocating for having a safety net of income outside the stock market. /episode/index/show/77d0ec65-e9eb-4aa0-999c-1b050653e9ac/id/39689435

Retire With Peace

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