Ashley Patrick

speaker

3,699 appearances 14 recordings 1 series first heard Feb 2025 last heard 3 Dec

Ashley Patrick’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 3 in all, peaking in Dec 2025 with 1.

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Money Mindset Podcast - Budgets Made Easy · #231 Top 3 Midlife Money Myths That Are Holding You Back · 14 May 2025 podcast

If you have less bills, you need less money in retirement.

So there are things that you can do to pull this all together so that you can retire comfortably.

Now, something to think about as you're thinking about how much you need to save and, you know, do you have enough time?

Just like we talked about with reducing your expenses, you need to think about what expenses you will have in retirement.

So you're going to have housing expenses, whether you pay off your house or not, you will still have property taxes.

You're still going to have maintenance.

If you don't own a home, you're still going to have rent and, you know, lawn care, different things, depending on where you're living, what your situation is.

health care.

So we may still have Medicaid or Medicare at that time, but you'll need to pay for a supplement plan or pay for that 20% out of pocket.

So that's something to consider.

Medical expenses, long-term care is incredibly expensive.

So it's something that you really have to think about and strategize because there are things that you can set up

If you do have some assets, there is a timeframe that you have to get rid of assets to be able to have Medicare for long-term health needs.

So it's a five-year look back at this time.

So, you know, that goes into your healthcare strategies and where you're saving money.

If you decide that one of the avenues that you want to start stocking away money in is an HSA, a health savings account, there are things that you can do inside of an HSA, just like other investment accounts to grow it for your needs in retirement.

And then of course your lifestyle choices.

So, you know, are you wanting to travel?

Do you want to sell everything and live in an RV and travel for a while?

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