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المحتوى المقدم من James Conole, CFP® and James Conole. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة James Conole, CFP® and James Conole أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
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Ready For Retirement
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 3307298
المحتوى المقدم من James Conole, CFP® and James Conole. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة James Conole, CFP® and James Conole أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Ready For Retirement is the podcast dedicated to helping you learn the tips and strategies that will help you achieve your retirement goals. When it comes to retirement planning, it can quickly become overwhelming and easy to not take action. I designed this podcast because I want you to have the knowledge and confidence to create your secure retirement. My ultimate goal for all of my clients (and listeners) is to create peace of mind and that starts with having a strategy. I want you to spend more time thinking about what matters most to you in retirement. I post weekly episodes to keep you up-to-date on all the best tips and strategies to create a retirement that excites you. Everything from investing tips, tax planning, withdrawal strategies, insurance planning, Social Security, and that's just the start! Let's help you maximize your return on life. We use your money and the strategies I share in this podcast to do just that!
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270 حلقات
وسم كل الحلقات كغير/(كـ)مشغلة
Manage series 3307298
المحتوى المقدم من James Conole, CFP® and James Conole. يتم تحميل جميع محتويات البودكاست بما في ذلك الحلقات والرسومات وأوصاف البودكاست وتقديمها مباشرة بواسطة James Conole, CFP® and James Conole أو شريك منصة البودكاست الخاص بهم. إذا كنت تعتقد أن شخصًا ما يستخدم عملك المحمي بحقوق الطبع والنشر دون إذنك، فيمكنك اتباع العملية الموضحة هنا https://ar.player.fm/legal.
Ready For Retirement is the podcast dedicated to helping you learn the tips and strategies that will help you achieve your retirement goals. When it comes to retirement planning, it can quickly become overwhelming and easy to not take action. I designed this podcast because I want you to have the knowledge and confidence to create your secure retirement. My ultimate goal for all of my clients (and listeners) is to create peace of mind and that starts with having a strategy. I want you to spend more time thinking about what matters most to you in retirement. I post weekly episodes to keep you up-to-date on all the best tips and strategies to create a retirement that excites you. Everything from investing tips, tax planning, withdrawal strategies, insurance planning, Social Security, and that's just the start! Let's help you maximize your return on life. We use your money and the strategies I share in this podcast to do just that!
…
continue reading
270 حلقات
Kaikki jaksot
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Ready For Retirement
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1 Root Talks: How to Overcome the Scarcity Mindset and Start Spending in Retirement 23:45
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You’ve worked hard, built wealth, and reached financial security… so why is it still so hard to spend? In this episode, we dive into the unexpected challenge of shifting from a saver’s mindset to actually enjoying your money. From a millionaire couple hesitating over a $5 bag of M&Ms to a husband upset about a bottle of Fiji water—this is more common than you think! Behavioral finance reveals why past money habits stick with us, even when we don’t need them anymore. We’ll break down how to retrain your mindset, align spending with what truly matters, and ensure your wealth enhances your life instead of holding you back. Plus, a practical strategy to help you finally enjoy your money guilt-free! Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A scarcity mindset story 2:36 - Comment that sparked conversation 4:12 - Identifying the problem 7:00 - A personal story from James 10:00 - Practical takeaways 12:18 - Make small, aligned shifts 16:14 - An example from Ben 18:04 - Death is coming 19:55 - The wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Retire Now If you Answer "Yes" to These 5 Questions 10:14
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Retirement isn’t just about the numbers—it’s about time, health, and the life you want to live. Too many people delay retirement, chasing "one more bonus" or "one more year" without considering the bigger picture. In this video, we’ll walk through five key questions that can help you decide. If you answered yes to any of these, retirement might be closer than you think! Watch now to gain clarity on your next steps. Questions answered? 1. How do you know if it's the right time to retire? 2. What are the risks of delaying retirement for financial reasons? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Is time passing you by? 2:30 - Is your health suffering? 3:40 - Want more time for relationships? 4:50 - What is your life and health span 6:25 - Are you financially ready? 7:59 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: How Should I Split Retirement Withdrawals Between Pretax and Roth Accounts? 24:34
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In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a simple 50/50 split between traditional and Roth accounts isn't enough—you need to plan based on your tax situation and future needs. Using a listener's example, we walk you through how to think about tax brackets, required minimum distributions (RMDs), and when it might make sense to convert funds to a Roth IRA. We also discuss the role of asset location—putting riskier investments in Roth accounts for tax-free growth and stable investments in traditional IRAs for withdrawals. It’s all about balancing tax strategies with your lifestyle goals. At Root, we prioritize your purpose first, and we encourage you to explore our resources, like our podcasts, YouTube channel, and community, to learn more about smart retirement planning. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - The comment that prompted this chat 2:39 - Run some projections 5:14 - The benefit of Roth 7:31 - Asset location and allocation 10:07 - Root reserves 13:50 - More often than not 15:22 - Tax insurance 17:17 - Cart before the horse? 19:30 - It starts with purpose 21:33 - Where to find James and Ari Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 The Most Important Thing You Can Do For Your Financial Plan 11:53
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James challenges the idea that financial security comes from always having more—more savings, more income, more investments. Studies show that no matter how much people have, they often feel like they need twice as much to feel secure. That mindset can make fulfillment feel just out of reach. Instead, James asks: What’s one thing you could do or buy to make this year special? He shares stories like a couple who used an unexpected windfall to buy a boat—not as an investment, but to create years of unforgettable memories. The takeaway? Money isn’t the goal—it’s the tool that helps you build a life that feels rich in the ways that matter most. Questions answered: 1. Why do people always feel like they need more money to feel wealthy? 2. How can I use my money to create a more meaningful life? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A question and some statistics 3:07 - Steph's answer 6:00 - Other answers 8:01 - An exercise Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: What Does Vanguard Say About Financial Advisors? 32:46
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Vanguard’s Advisor Alpha study shows that working with an advisor can boost net returns by around 3% annually through smart investing, tax planning, and behavioral coaching. But the real value? It’s not just about numbers. Ari and James break down how advisors help clients stay level-headed, avoid costly mistakes, and feel more confident about their future. Research even shows investors with $1.2M+ report greater financial happiness with an advisor by their side. Not everyone needs one, but knowing when professional support can make a real difference? That’s the key. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Vanguard Advisor Alpha study 1:50 - The claim and a story 3:56 - Asset allocation 7:40 - Cost-effective implementation 9:10 - Rebalancing 13:38 - Behavioral coaching 18:35 - Asset location 21:49 - Spending strategy/withdrawal order 26:17 - Total return vs income investing 27:48 - An advisor can increase your happiness Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 No Taxes on Social Security? Here’s What Trump’s Plan Means for You 13:13
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For nearly 50 years after Social Security's inception in 1935, benefits were not subject to federal income taxes. That changed in 1983 when Congress introduced taxation on benefits for higher-income retirees, using a "provisional income" threshold of $25,000 for individuals and $32,000 for couples. However, these thresholds were never adjusted for inflation, leading to a significant increase in the number of retirees paying taxes on their benefits—now nearly 50%. President Trump has proposed eliminating federal taxation on Social Security, a move that could benefit retirees financially but would accelerate the depletion of the Social Security Trust Fund, currently projected to run out by 2034. Removing taxes could shift the depletion timeline up by about a year, raising questions about alternative funding solutions. Potential fixes include raising payroll taxes, increasing the wage base, or pushing back the full retirement age. While tax relief sounds appealing, long-term sustainability remains uncertain. Questions answered: 1. Why are Social Security benefits taxed, and how did this change over time? 2. What would happen if Social Security taxes were eliminated, and how could it impact the program’s future? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - SS payments are taxed? 1:25 - Provisional income 3:18 - Trump's plans for SS 6:17 - The downsides 8:06 - The SS Trust Fund 9:19 - The challenge 11:21 - In the meantime Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: Introducing the New Root Retirement Community 15:48
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Join the new Root Collective HERE! Retirement isn’t just about having enough money—it’s about making the most of it. That’s why we’re launching a new retirement community designed to go beyond financial planning. Sure, we’ll cover investing, tax strategies, and estate planning, but we’re also creating a space to talk about the things that make retirement fulfilling—connection, travel, health, and purpose. Inside, you’ll be able to engage with like-minded peers, get expert insights, and explore ideas to shape the next chapter of your life. We’ll have guest speakers, live events, and interactive discussions to help you feel confident in your planning and inspired about what’s ahead. Root clients get free access, and for everyone else, it’s $50 per month—early adopters can join for just $20. If you’re looking for more than just financial advice, we’d love for you to be part of it. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A new retirement community 2:56 - Sharing experiences, creating initiatives 4:22 - Goal: best possible retirement 5:36 - Who is this for? 7:07 - Why join? 10:17 - Pricing 12:13 - The power of community Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 5 Advanced Social Security Strategies to Maximize Your Retirement Income 17:35
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To maximize your Social Security benefits in retirement, it’s essential to understand five key limits and thresholds: ✅ Earnings Limit: If you start Social Security before full retirement age, benefits may be reduced if your wages exceed the annual or monthly earnings limit. Only income earned after starting benefits counts. ✅ Social Security Wage Base: This is the maximum amount of earnings subject to Social Security taxes each year. It impacts both how much you pay into the system and the benefits you may receive. ✅ Maximum Benefit: Your benefit amount is based on factors like your lifetime earnings and the age at which you begin collecting benefits. Delaying benefits increases your monthly payments, while starting early reduces them. ✅ Provisional Income: This determines how much of your Social Security benefit is taxable. Higher income levels can result in up to 85% of your benefit being taxed at the federal level. ✅ Bend Points: These thresholds influence how your lifetime earnings are converted into benefits. Lower earnings are replaced at a higher percentage, meaning early contributions can have a significant impact. Understanding these limits helps you make strategic decisions and optimize your retirement income. Questions answered: 1. How can I maximize my Social Security benefits and avoid unnecessary reductions? 2. What factors determine how much Social Security I will receive in retirement? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - David's question 1:47 - SS earnings limit 4:51 - Monthly numbers matter 6:04 - SS wage base 9:11 - Max SS earning amount 11:26 - Provisional income 13:32 - SS bend points Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: How Do We Approach Team Building? 25:40
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Root Financial is redefining what it means to serve clients by putting team culture front and center. In this episode, James and Ari dive into the firm’s bold move to hire a Head of Culture—an uncommon role in financial advising—dedicated to supporting the growth and well-being of their advisors. Why? Because when advisors thrive, clients get the personalized attention they deserve. At Root, we’re intentional about avoiding the usual industry traps, like overloading advisors with massive client lists or sales quotas that can compromise service. Instead, we focus on sustainable growth, aligning our goals with yours and using tools like OKRs (Objectives and Key Results) to stay on track. With a Net Promoter Score of 91—well above the industry average—we’re proving that building a strong internal culture leads to happier clients and better outcomes. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Company culture affects clients 4:08 - Ari's quick story 5:59 - Hiring a Head of Culture 10:54 - Advisors have how many clients? 14:24 - NPS and retention rate 17:28 - OKRs 20:57 - What makes Root different Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Major Social Security Bill Passed: $190B in New Benefits to be Paid After Eliminating WEP & GPO 10:43
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The Social Security Fairness Act, signed into law on January 5 by former President Joe Biden, repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), which previously reduced Social Security benefits for individuals with non-covered pensions, such as teachers, firefighters, and postal workers. This change significantly increases benefits for affected individuals, in some cases by over $1,000 per month, and applies retroactively to the end of 2023. While the law addresses long-standing concerns about fairness, it also accelerates the depletion of Social Security funds, already projected to face insolvency by the 2030s. This $190 billion expense over the next decade may force future changes, such as tax increases, higher retirement ages, or adjustments to the system. For those impacted by WEP or GPO, the law offers immediate financial relief but highlights the need for broader, sustainable reform to preserve Social Security for all beneficiaries. Questions answered: How does the Social Security Fairness Act impact individuals with non-covered pensions like teachers, firefighters, and postal workers? What are the potential long-term consequences of the Social Security Fairness Act on the Social Security fund's sustainability? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - SS Fairness Act -- ex. Maria 2:46 - Bend points 4:49 - Back to Maria's situation 5:54 - Pros and cons 7:38 - Bill magnifies SS problems Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: What's the Difference Between Root Financial and Other Advisory Firms? 27:40
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In this behind-the-scenes episode, James and Ari explore what sets Root apart in the financial advising industry. Moving beyond traditional roles like stock pickers and planners, they emphasize Root’s mission as “protectors” of clients’ most cherished goals, helping them achieve a life of purpose and fulfillment. They discuss how Root’s culture prioritizes personalized care and intentional growth, from hiring advisors who embody Root's ethos to reinvesting in services like tax planning and estate planning to enhance client experiences. James and Ari also address how Root balances expansion with maintaining high service quality, ensuring each client feels uniquely supported. They share insights into Root’s “master plan,” which includes innovative frameworks for advisor development and creating scalable yet deeply personalized services. Root’s philosophy of holistic, forward-looking financial planning integrates life coaching elements, focusing on helping clients live richer, more meaningful lives. This episode offers a fresh perspective on financial advising, showcasing Root’s commitment to redefining the industry. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Root in one word -- protector 3:54 - Life advisors 7:31 - Beating the waiter 9:31 - Integrating tax planning 12:45 - Services to add in the future 16:47 - Gauging fit; growth philosophy 20:23 - Client satisfaction and advisor development 24:07 - Wrap-up Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 How Should You Invest $10M+? Most Underutilized Strategy Revealed 23:40
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Direct indexing, an advanced investment strategy, allows investors to own individual stocks within an index instead of a mutual fund or ETF, offering greater control and flexibility. This approach is particularly valuable for tax-loss harvesting, where selling underperforming stocks and reinvesting can offset gains and reduce taxes without losing market exposure. Ideal for high tax brackets, concentrated stock positions, or charitable giving, direct indexing can boost returns by 0.5%-1.85% annually over decades, a benefit known as “tax alpha.” Once reserved for ultra-wealthy investors, advances in technology now make it accessible to portfolios starting at $500K. However, success requires sophisticated tools and tax expertise, making it a powerful strategy for the right investors. Questions answered: 1. How can direct indexing and tax-loss harvesting improve investment returns without increasing risk? 2. Who benefits most from using a direct indexing strategy? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - The strategy - direct indexing 3:57 - Tax loss harvesting 7:22 - More than locking in losses 9:36 - The research 11:38 - An involved process 13:05 - Criteria 1, 2, and 3 17:04 - Criteria 4 and 5 19:52 - More accessible due to technology Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Root Talks: Behind the Scenes at Root Financial: How We Approach Team Building 24:50
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James and Ari provide a behind-the-scenes look at Root Financial, shifting from typical financial strategies to how their team operates. They discuss Root’s intentional approach to maintaining consistency in financial advising through rigorous hiring practices and its structured training program, "Root University." James emphasizes the importance of aligning advisors with the firm's ethos to ensure clients receive a consistent and personalized experience. The hiring process focuses on cultural fit, technical skills, and a shared philosophy of integrating financial planning with life goals. Ari highlights the collaborative and values-driven workplace culture, sharing anecdotes about the thorough training process and the effort to foster long-term relationships with both clients and staff. They also hint at future episodes that will cover Root’s unique approach and plans for growth, aiming to deliver impactful services while creating a workplace where advisors thrive. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - A peek behind the scenes 2:04 - The Root process 5:08 - The hiring process 9:08 - Associates vs lead advisors 12:31 - Book vs real-world smarts 15:11 - Who's Louis? 16:56 - Root advisors love their jobs 20:22 - Advisors choose their clients 21:37 - Future episodes Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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Many individuals are hesitant to retire, even when financially prepared, due to uncertainty and a lack of clear planning. This episode provides a practical guide to making retirement a reality, focusing on three key steps: Assess Your Current Financial Health Envision Your Ideal Retirement Connect Financial Readiness to Goals By addressing these steps, you can retire confidently, balancing future preparation with enjoying today. Questions answered? 1. How can I determine if I am financially ready to retire? 2. What steps should I take to plan for a fulfilling and sustainable retirement? Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Assess current financial position 2:21 - Know monthly income and expenses 4:30 - Review debts 6:46 - Envision ideal retirement 9:29 - Connect the dots 13:26 - Retire with confidence Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
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Ready For Retirement
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1 Here's How to Avoid a Retirement Filled with Anxiety or Regret 23:12
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In this episode of Root Talks, James and Ari dive into the reality that retirement planning can be tricky, with the fear of running out of money and the regret of underspending often at odds. The key is finding balance—spending wisely while enjoying life. Tools like projections, guardrails, and trade-off scenarios help bring clarity. The “rule of 72” shows how compound interest can grow savings significantly over time, helping build lasting wealth. On the flip side, too much frugality can lead to regrets, like missing out on travel or neglecting health. Intentional spending, aligned with your values and goals, is crucial for a fulfilling retirement. Ultimately, great planning isn’t just about security—it’s about living the life you want. Strategies like Roth conversions or spending adjustments help address concerns while embracing the future. Submit your request to join James: On the Ready For Retirement podcast: Apply Here On a Retirement Makeover episode: Apply Here Timestamps: 0:00 - Fear of outliving money 3:16 - Threat of frugality and regret 6:23 - Define what could go wrong 9:23 - What ifs and contingencies 11:45 - Only retire once 15:18 - Minimize regret 19:31 - Having tradeoffs is a luxury Create Your Custom Strategy ⬇️ Get Started Here. Join the new Root Collective HERE!…
مرحبًا بك في مشغل أف ام!
يقوم برنامج مشغل أف أم بمسح الويب للحصول على بودكاست عالية الجودة لتستمتع بها الآن. إنه أفضل تطبيق بودكاست ويعمل على أجهزة اندرويد والأيفون والويب. قم بالتسجيل لمزامنة الاشتراكات عبر الأجهزة.