Stay Wealthy Retirement Podcast
Episodes
Financial Advisors (Part 4): Should You Work With a Fiduciary + How to Find an Advisor
25 Jan 2023
Contributed by Lukas
Today I'm tackling part four of our series on financial advisors. Specifically, I'm covering three BIG things: What is a fiduciary financial advisor ...
Financial Advisors (Part 3): What Fees Do Financial Advisors Charge
18 Jan 2023
Contributed by Lukas
Today I'm sharing the different ways financial advisors charge for their services. In fact, there are FOUR main fee structures you might come across w...
Financial Advisors (Part 2): The 5 Different Types of Advisors
15 Dec 2022
Contributed by Lukas
Want to support my upcoming book and help improve financial literacy? To encourage your support, I'm running a "buy one, give one" campaign. Here's ...
Financial Advisors (Part 1): What Are They + What Do They Do
08 Dec 2022
Contributed by Lukas
Today I'm kicking off a multi-part series on Financial Advisors. (I'm also sharing a BIG announcement with everyone! 🥳) Here in Part 1, I'm cover...
Should Retirement Savers Own Bonds?
22 Nov 2022
Contributed by Lukas
Bonds are on track for their worst year in history. In response, retirement investors are concerned (rightfully so) and questioning their bond allocat...
3 Important Facts About State Taxes in Retirement
08 Nov 2022
Contributed by Lukas
Today I'm talking about state taxes (in retirement!). Specifically, I'm sharing three important facts that often fly under the radar. I'm also clearin...
3 Retirement and Tax Planning Updates for 2023
19 Oct 2022
Contributed by Lukas
Today I'm sharing three retirement and tax planning updates for 2023. Specifically, I'm sharing a summary of important changes to: Social Security pa...
How to Invest During a Lost Decade
11 Oct 2022
Contributed by Lukas
Recent headlines suggest stocks could be flat (or negative!) for the next 10 years. The technical for this is "lost decade." And these headlines hav...
Why Are Markets Falling (and How Did We Get Here)
04 Oct 2022
Contributed by Lukas
Today I'm breaking down the current state of the markets and economy. Specifically, I'm sharing: Why markets are falling (and how we got here) How th...
What Does an Inverted Yield Curve Mean for Retirement Investors
20 Sep 2022
Contributed by Lukas
The current yield on a one-year U.S.Treasury bond is 4%. But the yield on a ten-year Treasury bond is only…3.5%. Why is this? What does it mean fo...
Tax-Loss Harvesting (Part 3): Answering Three Important Questions
13 Sep 2022
Contributed by Lukas
Have you joined the Stay Wealthy newsletter? No spam. No fluff. Just one retirement/tax planning article each week...written by yours truly. 😊 Sign...
Tax-Loss Harvesting (Part 2): Who Benefits the Most?
30 Aug 2022
Contributed by Lukas
Today I'm continuing with our series on tax-loss harvesting. Here in part 2, I'm sharing: Who should consider tax-loss harvesting Who should stay awa...
Tax-Loss Harvesting (Part 1): The 5 Things You Need to Know
24 Aug 2022
Contributed by Lukas
Today I'm kicking off a multi-part series on tax-loss harvesting. In part one, I'm breaking down: What tax-loss harvesting is (and how it works) Wh...
Zero Inflation, Buffer ETFs, and Social Security Increases
16 Aug 2022
Contributed by Lukas
Today I'm tackling a few retirement and investing questions from our listeners. Specifically, I'm answering the following: How do you make sense of t...
The Risk of Deflation
09 Aug 2022
Contributed by Lukas
Today I'm talking about the case for (and risk of!) deflation. Specifically, I'm covering: What deflation is How deflation impacts our economy Why it...
The Ultimate Investing Checklist: 7 (Simple) Steps to Measure Your Investment Strategy
26 Jul 2022
Contributed by Lukas
Today, Jeremy Schneider unveils his Ultimate Investing Checklist. In fact, you can use this 7-step checklist to measure your current investing strateg...
How to Invest for Kids (and Grandkids!)
19 Jul 2022
Contributed by Lukas
Today we're talking about the best way to invest for kids + grandkids. In fact, guest host Jeremy Schneider says this is one of the most frequent to...
Series I Bonds: Should Retirement Savers Invest in Them for Inflation Protection?
12 Jul 2022
Contributed by Lukas
Today we're talking about I Bonds! Specifically, guest host Jeremy Schneider is discussing: What exactly I Bonds are How I Bonds work Where they belo...
Huge Tax Bills at Vanguard: What Retirement Savers Need to Know
05 Jul 2022
Contributed by Lukas
Today Jeremy Schneider dives into Vanguard Target Retirement funds (and the tax problems they're causing). Specifically, he's sharing: What happe...
10 Reasons You Should Avoid Indexed Universal Life Insurance (IUL)
28 Jun 2022
Contributed by Lukas
Indexed Universal Life Insurance (IUL) is all the rage right now. "10%+ growth potential. Guaranteed security against market risk. Tax-free retirement...
How to Reduce Medicare IRMAA in 2022
23 Jun 2022
Contributed by Lukas
Today I'm sharing a fun announcement with everyone. I'm also providing retirement savers with important information on the 2022 Medicare IRMAA bracket...
Grandparent 529 Plans: Big Changes + How Retirement Savers Can Maximize the Tax Benefits
21 Jun 2022
Contributed by Lukas
Today I'm talking about Grandparent 529 Plans. In fact, a BIG change was recently that seemed to fly under the radar. In addition to discussing this c...
3 Key Takeaways on Inflation from the May CPI Report
15 Jun 2022
Contributed by Lukas
Today I'm sharing key takeaways from the May inflation (CPI) report. I'm also sharing: What "shadow inflation" is (and why you should ignore it) Why ...
Why Are TIPS (Inflation-Protected Bonds) Losing Money?
09 Jun 2022
Contributed by Lukas
Inflation has skyrocketed this year. In fact, inflation jumped to a 40-year high of 8.5% in March 2022. So why are Treasury Inflation-Protected Securi...
3 Big Retirement Mistakes (and How to Sidestep Them)
07 Jun 2022
Contributed by Lukas
Today I'm sharing three (3) big retirement planning mistakes and how to avoid them. Actually, that's not true... I was inspired to add a fourth retire...
Bonds, Recessions, and Withdrawing Money in Retirement
25 May 2022
Contributed by Lukas
The markets are off to the worst start since 1939! Given that, I'm answering three (3) BIG questions from listeners today: Why are stocks AND bonds d...
Financial Scam Alert + 3 Ways to Protect Yourself (and Your Loved Ones!) in Retirement
04 May 2022
Contributed by Lukas
Today I'm sharing details about a (new) popular financial scam. To help you stay safe, I'm also sharing 3 ways to stay safe and protect yourself in re...
Why You Shouldn't "Buy the Dip"
19 Apr 2022
Contributed by Lukas
Today I'm talking about investing. Specifically, I'm joined by data scientist and author, Nick Maggiulli, and we're talking about: How to invest in h...
Inflation Spiked: How Should Retirement Savers Respond
14 Apr 2022
Contributed by Lukas
Inflation jumped 8.5% through March. This is the highest reported level since 1981. 😬 It was also the biggest monthly jump in prices since 2005. ...
Roth Conversions Part 2: A Five-Step Process to Determine if a Roth Conversion Makes Sense for You
05 Apr 2022
Contributed by Lukas
Today I'm tackling part two of our series on Roth conversions. Specifically, I'm sharing: How to determine if a Roth conversion makes sense A Rot...
Roth Conversions Part 1: What, How, and Why
23 Mar 2022
Contributed by Lukas
Today I'm kicking off a 2-part series on Roth conversions. Specifically, here in part one, I'm breaking down: What a Roth conversion is How a Roth co...
Why I Was Wrong About Inflation + The Probability of a Recession
15 Mar 2022
Contributed by Lukas
Today I'm addressing inflation (again), war, and the risk of a recession. Specifically, I'm sharing: An update on the recent inflation report Why my ...
5 Reasons NOT to Do a Roth Conversion in 2022
01 Mar 2022
Contributed by Lukas
Today I'm talking about Roth conversions. But instead of talking about why they're so great... ...I'm sharing 5 reasons why you might NOT do them. To ...
Inflation Part 2: How Inflation Will Affect Your Tax Bill
22 Feb 2022
Contributed by Lukas
Today I'm sharing what the recent spike in inflation will do to your tax bill. Why? Because the higher inflation is, the more uneven its impact is o...
Inflation Part 1: Five Things Retirement Savers Need to Know
09 Feb 2022
Contributed by Lukas
Today I'm talking about inflation. In 2021, consumer prices rose 7%...the largest increase in 39 years. Is this good news or bad news? What does this...
Why the Stock Market Is Falling (And How to Respond!)
01 Feb 2022
Contributed by Lukas
Today I'm discussing the current stock market volatility. As of a couple days ago, U.S. stocks were off to their worst start since 2016. Bonds are als...
Life Insurance Part 2: Academic Use Cases, Evaluating Old Policies, Helpful Resources, and More!
25 Jan 2022
Contributed by Lukas
Today I'm tackling part 2 of our life insurance in retirement series. To help, friend and fellow financial planner, Stephanie McCullough stops by. Tog...
Life Insurance (in Retirement) Part 1: The Most Common Use Cases + A 3-Step Process for Managing Risks
18 Jan 2022
Contributed by Lukas
Today I'm kicking off our two-part series on life insurance. Specifically, I'll be tailoring these episodes to those who are in retirement or close to...
How to Prepare for Tech Bubble 2.0
11 Jan 2022
Contributed by Lukas
A near-record number of tech stocks have fallen by 50% or more from their one-year highs. Is this the beginning of tech bubble 2.0? If so, how wil...
Why You Should Pay Attention to Stock Market Forecasts
05 Jan 2022
Contributed by Lukas
Today I'm talking about market forecasts and predictions. Why? Unlike the core principles that create a successful investment outcome, the financial +...
Stay Wealthy Giveaway + What You Need to Ask Your Insurance Company (ASAP!)
21 Dec 2021
Contributed by Lukas
Two weeks ago, my wife and I came home to a major water leak. We've been bouncing around between Airbnb's with three kids and a dog since then. Fortun...
Should You Include Social Security in Your Retirement Plan?
07 Dec 2021
Contributed by Lukas
The Social Security program currently pays more in benefits than it collects in revenue. If no changes are made, Social Security will become insolvent...
Investing in Real Estate: Key Findings from a Comprehensive 22-Year Study
30 Nov 2021
Contributed by Lukas
Today I'm sharing key findings from a 22-year study on investing in real estate. In general, there are three primary ways you can invest in real estat...
11 Surprising Facts About Tax Planning, Investing, and Retirement
23 Nov 2021
Contributed by Lukas
Today I'm sharing 11 surprising facts about tax planning, investing, and retirement. For example, if you: Retired in the year 2000 with $1 million, i...
I Made a Mistake + Equity Compensation Part 2
16 Nov 2021
Contributed by Lukas
Today I'm clearing up some confusion from a prior episode. I'm also tackling part 2 of our equity compensation series. Specifically, I'm sharing: H...
Equity Compensation Part 1: RSU's, ESPP's, and Little-Known Risks
02 Nov 2021
Contributed by Lukas
In 2018, GE stock traded at $7/share—an 85% drop from its all-time high. Who was hit the hardest? Company retirees...including former factory wo...
Inflation: The SPOOKIEST Threat to Your Retirement...or is It?
26 Oct 2021
Contributed by Lukas
Today I'm talking about inflation. While inflation has historically averaged ~3%, the most recent CPI report showed an annual rate of 5.4%. 😲 But I...
Preferred Stocks: Everything Retirement Savers Need to Know
19 Oct 2021
Contributed by Lukas
Today I'm talking about preferred stocks. Why? One of our listeners, Gene, was recently concerned about the low yields he was getting on bonds & cash....
U.S. National Debt: How Will We Ever Pay Off $28 Trillion?
05 Oct 2021
Contributed by Lukas
Today I'm talking about the U.S. National Debt which currently sits at ~$28 trillion. While that is a GIANT number, I'm sharing why current debt level...
The Top 3 Benefits of Market Cap Weighted Index Funds
28 Sep 2021
Contributed by Lukas
Today I'm talking about the benefits of Market-Cap-Weighted index funds (e.g., Vanguard Total Stock Market). Why? Last week, I made a brief comment th...
How to Earn a 7% Return in Today's Environment
21 Sep 2021
Contributed by Lukas
The average interest rate for savings accounts is 0.06%. National home prices just reported their highest one-year gain in history. The U.S. stock mar...
Why Investors Underperform by 2% Per Year + How to Improve Your Returns
14 Sep 2021
Contributed by Lukas
Today I'm sharing the hot off the press results of the annual "Mind the Gap" study. Once again, over the last 10 years, investors earned ~2% per year ...
Can Required Minimum Distributions (RMDs) Cause You to Overwithdraw in Retirement?
07 Sep 2021
Contributed by Lukas
Today I'm talking about Required Minimum Distributions (RMDs). Specifically, I'm sharing: How RMD withdrawal rates can creep up to 12% Why they can c...
Retirement Income Part 4: Using Dynamic Withdrawal Strategies to Maximize Income
31 Aug 2021
Contributed by Lukas
Today I'm wrapping up our retirement income series by talking about Dynamic Withdrawal Strategies. Dynamic strategies are designed to: Maximize retir...
Retirement Income Part 3: Immediate Annuities and Dividend Stocks + Their Pros & Cons
24 Aug 2021
Contributed by Lukas
Today I'm talking about immediate annuities and dividend stocks as potential retirement income solutions. Specifically, I'm sharing the what, why, and...
Retirement Income Part 2: The 4% Rule + Why the Creator Doesn't Follow It
17 Aug 2021
Contributed by Lukas
Today I'm breaking down the 4% rule. Specifically, I'm sharing: A brief history of the rule Why the creator doesn't follow it The pros and cons I'm ...
Retirement Income Part 1: Why Most Retirees Will Never Draw Down Their Savings
10 Aug 2021
Contributed by Lukas
Today I'm kicking off a multi-part series on creating a reliable income stream in retirement. To help set the stage for this series, Michael Kitces dr...
Buying vs Leasing: The True Cost of Owning a Car
03 Aug 2021
Contributed by Lukas
Today I'm talking about car ownership. Specifically, I'm sharing: The Total Lifetime Cost of Owning a Car How Buying New Can Cost the Same as Buyin...
What Are I-Bonds + Are They a Good Investment
27 Jul 2021
Contributed by Lukas
Today I'm talking about I-Bonds, a type of savings bond that some call "the best kept secret in America." Specifically, I'm sharing: What they ar...
Tax Planning, Legacy Planning, and Listener Q&A!
20 Jul 2021
Contributed by Lukas
Today I'm responding to some constructive criticism I received from a listener. I'm also sharing my conversation with Steve Chen, host of The NewRetir...
LTC Part 2: Everything You Ought to Know About Maximizing Long Term Care Insurance Coverage
13 Jul 2021
Contributed by Lukas
Want to learn how to lower your tax bill + improve retirement success? Click Here to Get Your FREE Retirement & Tax Assessment -----------------------...
LTC Part 1: A Step-by-Step Process to Determine if You Can Self-Fund for Long Term Care
06 Jul 2021
Contributed by Lukas
Today I'm kicking off a two-part series on Long Term Care (LTC). In part one, I'm sharing: LTC statistics that don't often make headlines Why everyon...
6 Ways to Access Retirement Funds Early
29 Jun 2021
Contributed by Lukas
Today, guest host Jeremy Schneider talks about retirement accounts. Specifically, he shares why having all of your money locked up in them is a proble...
Why I Don't Invest in Gold or Oil
22 Jun 2021
Contributed by Lukas
Today, guest host Jeremy Schneider explains why he removed oil and gold from his portfolio. In fact, he broke one of his cardinal rules of investing t...
5 Reasons Index Funds May Be Bad for America
15 Jun 2021
Contributed by Lukas
Today, guest host Jeremy Schneider breaks down the 5 most common arguments AGAINST index funds. Specifically, he shares how individual investors are i...
How to Use the COVID Crash to Make Better Investing Decisions
08 Jun 2021
Contributed by Lukas
Today, guest host Jeremy Schneider takes a deep dive into the COVID-19 stock market crash of 2020. Specifically, he's talking about: What the trading...
When Timing the Stock Market Can Actually Work
01 Jun 2021
Contributed by Lukas
Today, guest host Jeremy Schneider covers three BIG topics: When market timing works How to invest a windfall of money What to do if you're afraid to...
Two Simple Tax Planning Tips + A Fun (Personal) Update
25 May 2021
Contributed by Lukas
Learn how to: Lower your tax bill Optimize investments Improve retirement success Click Here to Get Your FREE Retirement Assessment ----------------...
The Right Way for Retirement Savers to Approach ESG Investing With Liz Simmie
18 May 2021
Contributed by Lukas
Today we're diving into ESG investing. ESG stands for Environmental, Social, and Corporate Governance. And because the world of ESG is messy and...
The Bitcoin Counterargument
11 May 2021
Contributed by Lukas
Want to learn how to lower your tax bill, optimize investments, and improve retirement success? Click to get your FREE Retirement Assessment =========...
The Bullish Case for Bitcoin With Isaiah Douglass
04 May 2021
Contributed by Lukas
Today I'm joined by Isaiah Douglass, MBA, CFP®. Isaiah is wildly knowledgeable (and passionate!) about Bitcoin. He's also very optimistic about its f...
How I Invest My Money + The Importance of Human Capital With Lazetta Braxton
27 Apr 2021
Contributed by Lukas
Today I'm joined by special guest, Lazetta Braxton, MBA, CFP®. It's almost impossible to miss Lazetta these days! She's been seen on NBC Nightly ...
Big Investing Mistakes, Financial Media, and More With Caleb Silver
20 Apr 2021
Contributed by Lukas
A quick reminder that we're currently offering a FREE retirement & tax return analysis. Learn how to lower your tax bill, optimize investments, and im...
Robo-Advisors Part 2: Pros and Cons + Pitfalls to Watch Out For
13 Apr 2021
Contributed by Lukas
Today I'm wrapping up our two-part series on robo-advisors. Specifically, I'm sharing THREE things: The pros and cons of using a robo-advisor Major p...
Should You Invest at Stock Market Highs?
06 Apr 2021
Contributed by Lukas
The stock market has been screaming upwards for over 10 years. In fact, the S&P 500 just crossed 4,000! Many retirement savers are starting to get wor...
Robo-Advisors Part 1: What They Are + How to Determine if You Should Invest Your Money With One
30 Mar 2021
Contributed by Lukas
Today I'm kicking off a two-part series on robo-advisors by sharing: What a robo-advisor is (in plain English!) Why I argue they've been around since...
What Are NFTs and Should Retirement Savers Invest In Them
23 Mar 2021
Contributed by Lukas
Today I'm talking about Non-Fungible Tokens (NFTs). Specifically, I'm sharing: What an NFT is (in plain English!) Why they are so valuable If this ...
Stock Market Update + 3 Portfolio Analysis Tech Tools
16 Mar 2021
Contributed by Lukas
Today I'm sharing 3 of my favorite portfolio analytics tools for retirement investors. I'm also using these tools to provide an update on some of the ...
ESG Stocks, Replenishing Cash, and Managing Taxes on IRA Withdrawals
09 Mar 2021
Contributed by Lukas
Today I'm tackling three listener questions with my good friend, Roger Whitney: Why you don't have to invest in ESG stocks to make an impact How to r...
3 Favorite Tech Tools for Retirement Savers (That Have Nothing to do With Money!)
02 Mar 2021
Contributed by Lukas
Today I'm sharing my 3 favorite tech tools for retirement savers...that have nothing to do with money! Why? Because if technology can improve your lif...
Are We In a Stock Market Bubble?
23 Feb 2021
Contributed by Lukas
Today I'm answering a great question from one of our listeners: "Are we in a stock market bubble?" ~Nancy K., Minnesota In this episode, I share: Wha...
Portfolio Rebalancing: The 5 Biggest Pitfalls and How to Avoid Them
16 Feb 2021
Contributed by Lukas
Today I'm wrapping up our mini-series on Portfolio Rebalancing. Specifically, I'm sharing the 5 biggest pitfalls to watch out for. Why? Because making...
Portfolio Rebalancing: The Top 4 Benefits for Retirement Investors
09 Feb 2021
Contributed by Lukas
Today I'm kicking off a 2-part series on Portfolio Rebalancing. In part one, I'm sharing: What portfolio rebalancing is How and where it fits into yo...
Gamestop & Reddit: Why Individual Investors Didn't Win
02 Feb 2021
Contributed by Lukas
Today I'm sharing two thoughts on Gamestop and Reddit. Specifically, I'm sharing why individual investors aren't winning this battle + who benefits th...
How to Maximize Your Return on Cash w/ Gary Zimmerman
26 Jan 2021
Contributed by Lukas
Today we're talking about cash! I'm joined by Gary Zimmerman, founder of MaxMyInterest (MAX), an online platform that helps you earn a higher retur...
Two Economic Stories You're Not Hearing About
19 Jan 2021
Contributed by Lukas
Today - with help from Morgan Housel - I'm highlighting two economic stories that are flying under the radar. The first story is that Americans might ...
Value Stocks, Bitcoin, and Investing at the Top of Market
12 Jan 2021
Contributed by Lukas
Happy New Year! To kick off 2021, I'm digging into the three BIG topics I know are on every investor's mind right now: Small Cap Value Stocks Bitcoin...
3 Simple Year-End Tax Planning Strategies
15 Dec 2020
Contributed by Lukas
Today I'm sharing 3 simple tax planning strategies to consider before year-end. We have two weeks left in 2020 and my goal is to help you take action ...
Tax Gain Harvesting: What is It and When to Use It
01 Dec 2020
Contributed by Lukas
Today I'm talking about tax gain harvesting. While tax-loss harvesting typically gets all the attention, realizing gains and deliberately paying taxe...
How to Offset a Year-End Roth Conversion Tax Bill
17 Nov 2020
Contributed by Lukas
Today I'm talking about how to combine roth conversions with charitable giving. In fact, this strategy can help wipe out this year's tax bill, reduce ...
Investing in Bonds #4: How to Take Action and Implement
27 Oct 2020
Contributed by Lukas
Today I'm wrapping up our four-part series on investing in bonds by talking about...implementation! My goal today is to help you take action. To take ...
Investing in Bonds #3: Rollin' Down the...Yield Curve
20 Oct 2020
Contributed by Lukas
Today I'm tackling part 3 of our four-part series on investing in bonds. Specifically, I'm sharing why buying bonds and holding them to maturity might...
Investing in Bonds #2: The 2 Primary Drivers of Bond Market Returns
13 Oct 2020
Contributed by Lukas
Today I'm sharing part 2 of our four-part series on investing in bonds. Specifically, I'm going to dive into the two ways you can generate higher ex...
Investing in Bonds #1: How to Invest in Bonds + Pros & Cons
06 Oct 2020
Contributed by Lukas
Today I'm kicking off our 4-part series on investing in bonds. Contrary to what most people think, the bond market is actually more complex than the s...
Retirement Investing #4: Taking Action & Investing in Stocks
29 Sep 2020
Contributed by Lukas
Today I'm wrapping up our stock market investing series by talking about implementation. My goal? To help retirement savers build a sound investment...
Retirement Investing #3: The 4 Primary Drivers of Stock Market Returns
22 Sep 2020
Contributed by Lukas
Today I'm tackling part three of our stock market investing series. And, this is where we get to the fun stuff! In this episode, I'm sharing what hist...
Retirement Investing #2: How to Invest in Stocks + Pros and Cons
15 Sep 2020
Contributed by Lukas
Today I'm continuing our 4-part series on investing in the stock market by talking about the two most effective ways to invest in stocks. I'm also s...
Retirement Investing #1: The Psychology of Money with Morgan Housel
08 Sep 2020
Contributed by Lukas
Today I'm kicking off a 4-part series on investing in the stock market. And, I don't think I could have found a better guest to get us started. My fav...
How Much Should You Allocate to Stocks As You Approach Retirement
18 Aug 2020
Contributed by Lukas
Today on the show I'm answering a fantastic question from Stay Wealthy listener, Chris M. Chris asked about how he should think about his allocation t...
The Seven Deadly Sins of Investing
04 Aug 2020
Contributed by Lukas
Today is Jeremy Schneider's last episode as guest host before Taylor returns. He reveals the seven deadly sins of investing, including the most dead...