RETIREMENT MADE EASY
Finally, a retirement podcast in a language YOU can understand. Your host, Gregg Gonzalez, Certified Financial Fiduciary®, CFP® is a Dave Ramsey Smartvestor Pro with the heart of a teacher. Listen as Gregg shares financial & retirement tips that are sure to keep you tuned in every episode. Check out our podcast website http://RetirestrongFA.com for FREE resources and to see how the RetireStrong team can help you plan for a successful retirement.
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The Social Security Surprises That Could Cost You Thousands, Ep 190
06/30/2025
The Social Security Surprises That Could Cost You Thousands, Ep 190
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 designed to be intuitive, and change more often than most people realize. We’re walking through the kinds of Social Security questions that don’t get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren’t niche hypotheticals. They’re decisions with long-term effects, and it’s time more people knew what’s really at stake. You will want to hear this episode if you are interested in... (00:00) The Social Security Surprises That Could Cost You Thousands. (04:11) What your advisor might not know (but should) about Social Security. (06:25) The earnings test demystified through a real-life example. (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when. (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts. (26:20) Legal custody, grandchildren, and overlooked Social Security benefits. Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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What That New Tax Bill Really Means for Your Retirement, Ep 189
06/15/2025
What That New Tax Bill Really Means for Your Retirement, Ep 189
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 a lot more nuanced and more temporary than headlines let on. I walk you through what’s actually in the bill, what got stripped out (spoiler: Social Security tax relief didn’t make the cut), and how all this might hit people aged 55 to 70. Then, in classic Retirement Made Easy fashion, I pivot to listener questions on how to tap your accounts in the smartest order, why RMD math isn’t as harsh as people think, and whether borrowing against your house in a downturn is ever a good idea. I close with a sobering but motivating list of what can go wrong in retirement planning and how to think more clearly and conservatively about your future. You will want to hear this episode if you are interested in... (00:00) Intro (04:19) Key changes in the bill that might affect retirees (13:08) Listener Q1: Which retirement accounts to tap first? (19:58) Listener Q2: Clearing up RMD confusion (23:03) Listener Q3: Is using home equity a good backup plan? (27:06) Listener Q4: What could blow up your retirement plan? Resources & People Mentioned “The One, Big, Beautiful Bill…” IRS RMD table Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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The Overlooked Truths About Your Retirement Paycheck, Ep 188
05/30/2025
The Overlooked Truths About Your Retirement Paycheck, Ep 188
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 to its unique tax advantages, you’ll begin to see why it’s not just another income stream. It’s one of the only sources designed to rise with the cost of living. Contrast that with private pensions, which often never grow a penny, and you’ve got a ticking time bomb if you’re relying too heavily on the wrong source. And then there’s the planning itself: too many households have just one person steering the ship. That “key man risk” can leave the entire plan vulnerable. Whether you’re married, single, or retired, this episode pushes you to ask the uncomfortable but necessary questions: Who’s my co-pilot? Am I building a plan around stable, tax-smart income? And have I surrounded myself with people who will actually support the goals I’ve set? Because retirement isn’t just about having a plan, it’s about having the right one, built on the right truths. You will want to hear this episode if you are interested in... (00:00) The overlooked truths about your retirement. (01:30) Social Security as the foundation of most people's retirement income. (03:00) What most people miss about Social Security’s inflation adjustments. (06:00) Why Social Security's tax treatment beats other income sources. (08:59) The overlooked downside of fixed pensions in a rising-cost world. (14:25) The real risk of planning retirement without a financial “co-pilot.” (19:10) Why you should only share retirement goals with supportive people. Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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Why Some Retirement Products Can Trap Your Savings (and What to Watch For), Ep 187
05/15/2025
Why Some Retirement Products Can Trap Your Savings (and What to Watch For), Ep 187
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 need to watch for, and the difference between a tool that fits your goals and one that could slow you down. He shares real-world examples of how well-meaning people end up in bad products, and why working with someone who’s truly on your side (not just selling something) can make all the difference. By the end, you’ll not only be able to spot the traps, you’ll know exactly what questions to ask, what options to consider, and how to move forward with a retirement strategy that matches your life, not just a sales pitch. You will want to hear this episode if you are interested in... (00:00) Why some retirement products can trap your savings. (03:24) Announcement of upcoming Social Security seminars and webinar idea. (05:24) Setting up today’s focus: common misconceptions about annuities. (6:00) Breakdown of the 4 main types of annuities and when they might fit. (19:20) Listener Q&A: Social Security spousal benefits and retirement savings questions. (31:30) Closing thoughts on aligning retirement goals with financial behavior. Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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How Real People Nail Retirement, Ep 186
04/30/2025
How Real People Nail Retirement, Ep 186
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 impressive), and staying regularly engaged with your financial picture over time. Together, they foster a sense of stability, clarity, and confidence that goes way beyond the numbers. You will want to hear this episode if you are interested in... (00:00) Why retirement advice needs real stories. (05:10) Why your emergency fund isn't enough. (10:40) The power of specific retirement goals. (15:00) Staying financially engaged without obsessing. (16:40) Social Security clawbacks & tax law shifts. Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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The Questions Your Future Self Wishes You’d Asked Before Retiring, Ep 185
04/20/2025
The Questions Your Future Self Wishes You’d Asked Before Retiring, Ep 185
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. There’s also a closer look at long-term care insurance and why the math on it surprises most people. This episode will make you stop and rethink your assumptions so that it doesn’t cost you dearly in the future. You will want to hear this episode if you are interested in... (0:00) The real retirement questions you should ask sooner rather than later. (03:45) Listener question #1 - Roth conversions and the five-year rule. (05:04) Listener question #2 - Roth IRA vs. Roth 401(k) contribution limits. (07:44) Listener question #3 - Beneficiary designations: pro rata vs. per stirpes. (10:38) Listener question #4 - Social Security growth after full retirement age. (14:37) Listener question #5 - What if Social Security income becomes tax-free? (14:41) Listener question #6 - Required minimum distributions and age updates. (19:28) Listener question #7 - Why long-term care insurance costs as much as it does. (24:18) Listener question #8 - When retirement income and market dips collide. Resources & People Mentioned Ed Slott - America’s IRA Experts - Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made Easy On , ,
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The Ins & Outs of Roth Conversions, Ep 184
04/01/2025
The Ins & Outs of Roth Conversions, Ep 184
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 liability converted money without paying a dime, and why converting in a year with lower income or a temporarily down market might open the door to big savings. I’ll also break down why legacy plans, filing status changes, and Social Security taxation are key pieces of the puzzle. You will want to hear this episode if you are interested in... (0:00) The ins & outs of Roth conversions (1:55) The three tax buckets that shape retirement (6:32) When conversions are a no-brainer (and when they’re not) (9:54) How your tax bracket—and filing status—change the math (17:05) Roths as a better inheritance for your kids (24:57) Clearing up common Roth misconceptions Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Why Your Retirement Savings Feels Unstable (And What to Do About It), Ep 183
03/16/2025
Why Your Retirement Savings Feels Unstable (And What to Do About It), Ep 183
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 all the difference. By the end, you’ll have a clearer picture of what’s happening, how past downturns compare, and ways to protect your retirement without panic moves. Because the best way forward is always preparation—not fear. You will want to hear this episode if you are interested in... (0:00) Why retirement savings feel unstable (6:40) Listeners’ concerns about retirement savings (9:30) The risk of being too aggressive with investments (11:40) The danger of over-concentration in a single stock (13:30) Social Security misunderstandings and key takeaways Resources & People Mentioned to explore past market trends Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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The Retirement Blind Spot: What Most People Overlook Before Leaving Work, Ep 182
02/28/2025
The Retirement Blind Spot: What Most People Overlook Before Leaving Work, Ep 182
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 never even on the radar. With the right adjustments, retirement can feel less like a leap into the unknown and more like a plan coming together. Plus, some important listener questions get answered, covering pensions, taxes, and financial planning decisions that can make all the difference. Resources & People Mentioned Pension Benefit Guaranty Corporation (PBGC) Information – Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Retirement Pitfalls: Costly Money Moves You Don’t See Coming, Ep 181
02/16/2025
Retirement Pitfalls: Costly Money Moves You Don’t See Coming, Ep 181
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 stocks, we break down why these decisions can backfire and what you can do instead to protect your future. By the end of this episode, you’ll have a sharper eye for potential risks and a game plan to ensure your money lasts as long as you do. You will want to hear this episode if you are interested in... (0:00) Retirement pitfalls (2:15) The biggest retirement mistakes people are making (5:12) The hidden cost of home equity loans & big purchases (10:30) Overloading on tech stocks & risky investments (13:49) The financial risks of helping adult children (19:20) Unnecessary life insurance & taking advice from the wrong people (25:00) Social Security, behavioral mistakes & staying on track Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Retirement Withdrawals: How to Make Your Money Last, Ep 180
01/31/2025
Retirement Withdrawals: How to Make Your Money Last, Ep 180
How do you turn your retirement savings into a steady paycheck that lasts? I’ve had a lot of questions about this lately—and for good reason. Without a well-thought-out withdrawal plan, people risk running out of money too soon, paying more in taxes than necessary, or simply feeling uncertain about how to manage their nest egg. Shifting from saving to spending isn’t always easy, and I want to help people feel confident in their approach. That’s why I like to keep things simple and intentional. In this episode, I’ll walk through a practical way to organize retirement savings into different “buckets” based on when the money will be needed. I also share a real example of how someone ended up paying thousands more in taxes than necessary—just because of the way they withdrew their money. With a little planning, retirees can make their savings last and still have the freedom to enjoy life. You will want to hear this episode if you are interested in... (0:00) Intro (1:10) Sources of Income (3:05) Costly Withdrawal Mistakes (7:50) The Spending Mindset Shift (12:10) The Three-Bucket Method (18:40) Which Accounts to Use First (24:00) Adjusting Over Time Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Listener Questions: Tips for a Smarter Retirement, Ep #179
01/16/2025
Listener Questions: Tips for a Smarter Retirement, Ep #179
Are you or someone you love a teacher, firefighter, or government worker? If so, you might be impacted by two little-known Social Security provisions—the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO). These rules have reduced or even eliminated Social Security benefits for millions of hardworking Americans. But change is finally here. The Social Security Fairness Act could make a massive difference for retirees like you. Today, we’re breaking down what this legislation means, who it impacts, and how it could completely transform your retirement. Plus, I’ll answer your listener questions about: How to avoid early withdrawal penalties on retirement funds if you retire before 59 ½ Contributing to a Roth IRA when you don’t have a paycheck Navigating deferred compensation plans without creating a tax headache What happens to your HSA funds after retirement If you’re ready to maximize your retirement benefits and make confident decisions about your future, you’re in the right place. Let’s dive in! <<<<<<<<<<<<<<<PLAYER CODE GOES HERE>>>>>>>>>>>>>>>> You will want to hear this episode if you are interested in... [4:10] What we’re covering in today’s episode [5:29] What’s happening with Social Security [6:33] Understanding the Social Security Fairness Act [11:35] Potential changes to how Social Security is taxed [15:57] Listener Question #1: Avoiding an early withdrawal penalty [19:27] Listener question #2: Can you contribute to a Roth IRA without a paycheck? [23:17] Listener question #3: Deferred compensation plans [27:31] Listener question #4: What happens with HSA plans when you retire? [28:57] Listener question #5: How do you get a spousal benefit from an ex? [31:17] Listener question #6: How do you help retired family members? Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Reflecting on 3 Lessons I Learned from Clients in 2024, Ep #178
12/30/2024
Reflecting on 3 Lessons I Learned from Clients in 2024, Ep #178
Retirement is one of the biggest milestones in life, and for many, 2025 and 2026 will mark the beginning of this long-awaited chapter. As portfolios have outperformed expectations, more people are realizing their retirement dreams sooner than planned. In this episode, I’ll share inspiring client stories, practical lessons from 2024, and key insights to help you prepare for your own journey. From understanding why bonuses matter more than you think to exploring the power of legacy planning, we’ll cover the essential strategies to navigate retirement with confidence. Whether you’re nearing retirement or just starting to plan, these takeaways will equip you to make the most of your future. You will want to hear this episode if you are interested in... [0:38] Make sure to check out our YouTube channel [2:57] Why you should never turn down a bonus [7:45] There will be a lot of people retiring in 2025/2026 [14:48] Lesson #1 from 2024 [16:48] Lesson #2 from 2024 [19:34] Lesson #3 from 2024 Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Important Year-End Tax Planning, Ep #177
12/15/2024
Important Year-End Tax Planning, Ep #177
As the year comes to a close, it’s the perfect time to review your financial strategy and make the most of every opportunity to optimize your tax situation. In this episode of Retirement Made Easy, we’re diving into practical, actionable year-end tax planning tips to help you finish the year strong. You’ll learn how tax-loss harvesting can save you money, when a Roth conversion might be a smart move, and how charitable giving, 529 plans, and IRA contributions could work in your favor. We’ll also cover key considerations for retirees and why taking a close look at where you stand for the year is so important. Take charge of your year-end planning today. You will want to hear this episode if you are interested in... [1:30] Submit a question at RetirementMadeEasyPodcast.com! [2:27] Can you take advantage of tax-loss harvesting? [4:41] Are you able to make any Roth conversions? [9:54] Charitable giving, 529 plans, and IRA contributions [12:30] Considerations for someone already retired [13:44] Where do you stand for the year? Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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The Changes Coming to IRAs and 401Ks in 2025, Ep #176
11/30/2024
The Changes Coming to IRAs and 401Ks in 2025, Ep #176
Curious about the changes coming to IRAs and 401Ks in 2025? In this episode of Retirement Made Easy, we’re breaking down the latest updates to help you plan your retirement strategy. Learn about the new contribution limits for IRAs, Roth IRAs, and 401Ks, including special allowances for those aged 60–63. We’ll also cover updated income limits for Roth IRAs, automatic enrollment in 401Ks, and reduced penalties for missed required minimum distributions (RMDs) on inherited IRAs. Don’t miss this essential guide to staying ahead of the curve and making the most of your retirement savings! You will want to hear this episode if you are interested in... [2:24] Visit RetirementMadeEasyPodcast.com for FREE resources [3:00] IRA and Roth IRA contributions for 2025 [4:32] Contribution limits for 401Ks [7:03] Income limits for Roth IRAs [8:41] Penalties for missed RMDs of inherited IRAs [16:28] More changes to come for 2025 Resources & People Mentioned Visit for FREE resources Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Addressing Social Security’s Cost-of-Living Adjustment for 2025, Ep #175
11/15/2024
Addressing Social Security’s Cost-of-Living Adjustment for 2025, Ep #175
In this episode of the Retirement Made Easy Podcast, we dive deep into the 2025 Cost-of-Living Adjustment (COLA) for Social Security. We break down how the COLA works and what it means for your retirement planning. With the 2025 COLA coming in at 2.5%, we explore how this adjustment could affect your benefits—whether you’re still working or already collecting Social Security. We also discuss the projected rise in Medicare Part B premiums and why it’s crucial to plan conservatively for future costs. Tune in to discover how the COLA can be a powerful tool in your retirement strategy, while understanding the importance of not relying too heavily on it. If you’re planning for retirement, this episode is packed with essential insights to help you build a more secure financial future. You will want to hear this episode if you are interested in... [2:13] Check out our free resources at RetirementMadeEasyPodcast.com [3:18] How Social Security’s cost-of-living adjustment works [8:25] What type of COLA should we project for the future? [10:36] Expected future cost of Medicare Part B premiums [13:25] The COLA is incredibly powerful [17:40] Retirement is a journey—not a finish line [20:25] Plan conservatively and err on the side of caution Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Calculating How Much You’ll Spend in Retirement, Ep #174
11/01/2024
Calculating How Much You’ll Spend in Retirement, Ep #174
One of the biggest questions people have about retirement planning is: “Will I have enough saved?” This episode of Retirement Made Easy dives into just that—how to determine the “magic number” you’ll need to retire comfortably and securely. From evaluating your current expenses to assessing your future goals, we will start to cover all the bases to help you calculate your retirement needs with confidence. Whether you're thinking about traveling, leaving a legacy for your loved ones, or simply covering the basics, this episode offers practical steps to ensure your money lasts through retirement, no matter how long that might be. Listen in to find out how to navigate expenses, balance risk, and prepare for a lasting retirement. You will want to hear this episode if you are interested in... [2:50] Get free resources at RetirementMadeEasyPodcast.com [4:56] Look at your expenses, budget, and income [12:04] What do you like to spend money on? [14:42] How much will you need to save? [18:35] Do you want to leave an inheritance? Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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How Do You Tackle Healthcare Planning in Retirement? Ep #173
10/15/2024
How Do You Tackle Healthcare Planning in Retirement? Ep #173
When it comes to retirement, healthcare planning isn’t just an afterthought—it’s one of the most important decisions you’ll make. Will your current savings cover future healthcare expenses? How will you bridge the gap if you retire before Medicare kicks in? Without a solid plan, unexpected medical costs could delay your dream retirement. In Episode #173, we break down the key questions and strategies you need to consider to stay ahead of healthcare challenges in retirement. Whether you’re planning for your own retirement or helping a spouse navigate Medicare options, this episode will arm you with the tools to retire on time and on your terms. You will want to hear this episode if you are interested in... [1:45] The five pillars of retirement planning [2:20] Check out RetirementMadeEasyPodcast.com for free resources! [3:41] Do you have to wait until you’re 65 to retire and get on Medicare? [6:31] Saving in an HSA can cover healthcare expenses [10:53] Will healthcare expenses delay your retirement? [13:07] What will Obamacare cost per month? [16:18] Does your employer pay out unused vacation days? [17:49] Why would you consider transferring money into an HSA? [20:44] The basics of Medicare + supplements [25:53] Benefits and drawbacks of Medicare Advantage plans [30:23] Does your plan adequately adjust for inflation? [31:09] Check out the Retirement Made Easy YouTube channel Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Listener Questions: Surviving Retirement Edition, Ep #172
09/30/2024
Listener Questions: Surviving Retirement Edition, Ep #172
Getting through retirement while being able to pay all of your expenses is the goal. But how do you make it happen? You’ll have to make decisions before and during retirement that will impact whether or not it’s successful. I answer some questions directly related to financially surviving retirement in this episode of Retirement Made Easy. You will want to hear this episode if you are interested in... [1:46] Question #1: Should you build an expected inheritance into your plan? [5:19] Question #2: How can you calculate costs in retirement? [8:24] Question #3: How does disability work with life insurance? [10:25] Question #4: How does the survivor benefit work when divorced? [13:05] Question #5: Why do you need to find specialists? Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Listener Questions: Roth Conversions, Early Withdrawal Penalties, and Capital Gains, Ep #171
09/16/2024
Listener Questions: Roth Conversions, Early Withdrawal Penalties, and Capital Gains, Ep #171
When are the best times for Roth conversions? Should you invest in a target-date fund? Can you avoid the 10% early withdrawal penalty? These are just a few of the questions I’ll tackle in this special Listener Questions edition of Retirement Made Easy! Preparing for retirement is complicated at best. I want to make sure I’m consistently answering the questions that are top of mind for my listeners. So if you have a question, head on over to RetirementMadeEasyPodcast.com and submit one! You will want to hear this episode if you are interested in... [0:28] Submit questions are RetirementMadeEasyPodacst.com [2:57] Question #1: When are the best times for Roth conversions? [8:23] Question #2: Should you invest in a target-date fund? [13:59] Question #3: How do I request a lump sum pension? [16:57] Question #4: Can you avoid the 10% early withdrawal penalty? [19:55] Question #5: How does 401K matching work? [22:28] Question #6: How does the survivor benefit work when divorced? [25:07] Question #7: How do long-term capital gains taxes work? Resources & People Mentioned Check out the Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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The Truths About Social Security Part II, Ep #170
08/31/2024
The Truths About Social Security Part II, Ep #170
When should you claim your Social Security benefits? What do benefits look like for teachers who contribute to Teacher Retirement Systems? What is the survivor step-up strategy? In this episode of Retirement Made Easy, we’ll dive into some of the more complex areas of Social Security that people need to know about but are rarely told. You will want to hear this episode if you are interested in... [1:48] Check out our website for some FREE resources [2:27] Should you claim sooner or later? [6:19] The way Social Security is taxed [8:51] The GPO or WEP rules for survivor benefits [12:17] The survivor step-up strategy [19:34] Cost-of-living adjustments [24:03] How the spousal benefit works Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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The Truths About Social Security Part I, Ep #169
08/16/2024
The Truths About Social Security Part I, Ep #169
Social Security can be difficult to understand. The rules can be difficult to decipher. Answers are nearly impossible to find. This leaves most people frustrated and confused. In this episode, I’m going to separate the truths from the many rumors you often hear and help you build your knowledge about Social Security. My goal is for you to walk away more informed about your future. Don’t miss it. You will want to hear this episode if you are interested in... [0:34] Make sure you follow our YouTube channel! [4:17] How do you earn a Social Security check? [8:27] How does the spousal benefit work with credits? [11:43] How do spousal benefits work with ex-spouses? [13:26] How does the survivor benefit work? [16:04] Understanding your Social Security statement [18:03] Collecting your benefits while working [19:40] How benefits are allocated monthly [20:39] What if you want to collect benefits and work? [23:21] Suspending or stopping your Social Security benefits Resources & People Mentioned SSA: SSA: SSA: SSA: Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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5 Retirement Lessons for 2024, Ep #168
07/31/2024
5 Retirement Lessons for 2024, Ep #168
2024 has already been full of many in-depth conversations with current and prospective clients. There have been some common threads among most of those conversations. From those common threads, I’ve pulled five lessons that we can all learn and benefit from when planning for retirement. Listen to this episode of Retirement Made Easy to learn what they are! You will want to hear this episode if you are interested in... [2:41] Lesson #1: Be careful who you get advice from [8:42] Lesson #2: Invest in line with your risk tolerance [12:29] Lesson #3: Make sure you have the details right [16:18] Lesson #4: Don’t be overconfident [18:50] Lesson #5: Always ask, “What am I missing?” Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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401K Loans: The Pros and Cons, Ep #167
07/22/2024
401K Loans: The Pros and Cons, Ep #167
Lately, I’ve been getting a lot of questions about 401K loans and whether or not they’re worth it. People are asking things like, “How do you take out the loan? How does paying it back work? Should we ever consider it? What are our other options?” I’m a financial planner. My job is to give you all of the information necessary so you can make informed decisions. Because at the end of the day, these decisions are yours. So, in this episode of the Retirement Made Easy podcast, I’m going to give you the full picture and let you decide. You will want to hear this episode if you are interested in... [3:10] Check out our website for FREE resources [4:45] The basics of 401K loans [7:55] The risks of taking a 401K loan [14:06] Dipping into a Roth IRA [15:49] Alternatives to a 401K loan [19:34] Consider short-term and long-term goals Resources & People Mentioned Check out our website for Episode #118: Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Listener Questions: Clearing Up Confusing Retirement Topics, Ep #166
06/30/2024
Listener Questions: Clearing Up Confusing Retirement Topics, Ep #166
People often ask me where they should retire. Should they relocate to a new city or state? Most people assume when they retire that they need to move to make the most of their income. But the answer isn’t clear-cut. Everyone has different preferences. In this episode of Retirement Made Easy, I’ll dive into some of the factors you should consider to make that decision. I’ll also cover a few areas of retirement planning that have most people confused and shed some light on the situation. Don’t miss it! You will want to hear this episode if you are interested in... [1:58] The Mid-Year Market Outlook is coming in July! [2:57] Where is the best place to retire? [4:51] Factors that influence people to relocate [13:56] When do you have to take required minimum distributions? [16:48] Most people don’t understand Roth conversions [19:00] You are responsible for the outcome of your 401K Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Can You Retire at 60 with $1 Million Saved? Ep #165
06/18/2024
Can You Retire at 60 with $1 Million Saved? Ep #165
“I’m 60 years old and have $1 million saved. Do I have enough to retire?” I had a conversation with someone who had saved over $1 million and had been told he could retire. So he did retire—and completely regretted it. He wishes someone had told him to wait longer. Sadly, $1 million doesn’t go that far anymore. Too many people answering this question neglect to address all of the factors that influence whether or not you’ve saved enough to retire. In this episode of the Retirement Made Easy podcast, I’ll dive into some of the factors you need to consider in three different scenarios. Because you have to take into account far more than what you have saved. You will want to hear this episode if you are interested in... [3:49] Scenario #1: Retiring at 60 with $1 million saved [7:41] Scenario #2: Retiring at 60 with $1 million saved [12:53] Scenario #3: Retiring at 60 with $1 million saved [17:00] Why the answer is never as simple as yes or no Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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7 Steps to Retirement Security, Ep #164
05/20/2024
7 Steps to Retirement Security, Ep #164
Over the last two months, we’ve had close to 8 people contact us to put together a retirement plan because they’re fearful of being downsized. If they got laid off, could they afford to retire? People are looking for peace of mind and a retirement plan helps cover the what-ifs in life. Tom Hegna wrote the book, “.” In it, he brings up some good points when it comes to retirement planning and what to be aware of. I tweaked his methodology to make it my own. So in this episode of the Retirement Made Easy podcast, I’ll cover the 7 steps you need to have a secure retirement. You will want to hear this episode if you are interested in... [0:28] Why you need a retirement plan in place (and how we can help you) [6:11] Step #1: Get a retirement plan in place [8:05] Step #2: Maximize Social Security benefits and pensions [8:45] Step #3: Consider a hybrid retirement [10:40] Step #4: Account for inflation [14:51] Step #5: Protect your dollars from taxes [17:30] Step #6: Have a plan for long-term care [18:46] Step #7: Use your home equity wisely Resources & People Mentioned “" Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Avoid These 7 Retirement Mistakes (Or You’ll Regret it Forever), Ep #163
04/30/2024
Avoid These 7 Retirement Mistakes (Or You’ll Regret it Forever), Ep #163
I’ve been helping people plan for their dream retirement for the last 16 years. I’ve nearly heard it all. I’ve had to tell people they can’t retire yet or that they have to save far more than they planned. The people who make these mistakes derail their retirement and jeopardize their success. I detail the top 7 mistakes I see that you’ll regret forever in this episode of the Retirement Made Easy Podcast! You will want to hear this episode if you are interested in... [4:05] Mistake #1: Borrowing from a 401k [8:06] Mistake #2: Planning to work indefinitely [10:37] Mistake #3: Buying a timeshare [12:02] Mistake #4: Delaying saving for retirement [14:33] Mistake #5: Diverting the money to your kids [19:28] Mistake #6: Avoiding investing in the stock market [24:20] Mistake #7: People that relocate on a whim Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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Greatest Hits: Retirement Made Easy’s 5 Most Downloaded Episodes, Ep #162
04/16/2024
Greatest Hits: Retirement Made Easy’s 5 Most Downloaded Episodes, Ep #162
I’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: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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How Election Years Impact the Stock Market, Ep #161
03/31/2024
How Election Years Impact the Stock Market, Ep #161
Do election years impact the stock market? If so, how? We know that election years introduce a rollercoaster of emotions for a variety of reasons. Those emotions tend to influence the stock market and the decisions individual investors make. So in this episode of Retirement Made Easy, I’ll share how the market responds to election years—and what you should do about it. You will want to hear this episode if you are interested in... [2:00] Head to RetirementMadeEasyPodcast.com! [2:53] Election years are a roller-coaster ride of emotions [7:58] The presidential cycles and the stock market [11:36] How the stock market performed during each term [12:55] You can’t speculate on what will happen in the market Resources & People Mentioned Connect With Gregg Gonzalez Email at: Podcast: Website: Follow Gregg Follow Gregg Follow Gregg Subscribe to Retirement Made EasyOn , ,
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