Retirement Answer Man

By: Roger Whitney CFP® CIMA® RMA CPWA®
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  • Summary

  • A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com
    Roger Whitney, 2024
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Economics Personal Finance Personal Success
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Episodes
  • Close Out the Year with Intention

    Close Out the Year with Intention
    Dec 25 2024

    In this special Christmas Day episode, we explore the art of reflection as we approach the end of 2024. Join us as we dive into Tanya Nichols' year-end reflection protocol and challenge ourselves to look back on our successes, failures, and lessons learned. We'll also answer listener questions on topics ranging from Roth contributions to mortgage strategies. Plus, get a sneak peek into 2025 with upcoming episodes focused on retiring single and live case studies. Don't miss this opportunity to glean wisdom and set intentions for the new year.


    PRACTICAL PLANNING SEGMENT

    (00:45) It is a good time of year to reflect on 2024

    (03:00) Today we are going to work through Tanya Nichol’s end of year 2024 worksheet.

    (03:47) What are some successes you achieved this year, professionally and personally?

    (06:15) What are some failures this year that you're not proud of?

    (06:56) What are some things you wish you had done in 2024?

    (07:27) What are things that you thought were really critical last year that are meaningless now?

    (08:03) The next category for 2024 reflection is what made me truly happy in 2024?

    (09:10) What made you deeply sad this last year?

    (10:00) Next category. Something new I discovered about myself this year

    (10:50) What did you love in 2024?

    (11:12) When you reflect on 2024, what seasons are ending for you?

    (12:15) What new seasons are coming?

    (14:20) My theme for 2025 is outdoors. I want to be outdoors more next year.

    (15:00) Our team word for 2025 is HONE.


    LISTENER QUESTIONS

    (15:51) Bob asks about Roth contribution limits as a low earned income household for 2024

    (18:11) Listener Brian has found a way to keep his brain active by attending college courses to work on his Mindset nonfinancial pillar.

    (21:01) Our next question comes from Jim related to paying down a mortgage

    (26:50) Nancy just wanted to share her gratitude as a long time listener of the show.


    SMART SPRINT

    (27:17) Grab the intention worksheet that we're going to share on Six Shot Saturday and reflect on your 2024


    BONUS

    (28:06) Roger shares the next entry from his grandfather's WWII journal

    Show notes created by https://headliner.app
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    30 mins
  • Learn What to Ignore with Dr. Daniel Crosby

    Learn What to Ignore with Dr. Daniel Crosby
    Dec 18 2024
    💬 Show NotesJoin us in this episode as we delve into the complexities of retirement planning with Dr. Daniel Crosby, author of The Soul of Wealth. Discover the importance of learning what to ignore and how to trust your inner voice amidst the noise. We also explore the nuances of health management with Dr. Bobby Dubois, discussing how to tailor your health journey to your unique style. Plus, get a sneak peek into the upcoming Retirement Plan Live case study and exciting changes for the show in 2025.(00:30) Today we are going to talk to Doctor Daniel Crosby and Doctor Bobby Dubois(04:20) Retirement Plan Live starts in January. We will have two subjects this go round, both are retiring single, with no children.(05:30) In 2025, the show will be more focused on retirement.INTERVIEW WITH DANIEL CROSBY(06:20) Welcome Doctor Daniel Crosby to the show.(07:00) We are going to focus on a chapter in The Soul of Wealth, Learning What to Ignore.(08:15) Daniel: I feel like our attention is being pulled in negative ways...We live in a world where we are utterly unprepared for the amount of information coming our way.(10:35) Daniel: Going back to the top of your funnel and figuring out what you want can be deeply obscured by focusing on the wrong thing.(12:35) Daniel: The reason that we are at the top of the food chain is our ability to work cooperatively together and part of working together is benchmarking with each other.(13:20) Roger: Whatever your vision is should be a reflection of your values.(17:55) Roger: We have to know what to pay attention to when it comes to practical planning so we don't spend too much time focusing on the wrong thing. What are those filtering questions?(19:05) Question 1: Do you have a reason to believe the accuracy of this information?(21:31) Question 2: What is the motivation of the person giving forecast or information?(26:20) Daniel: That which we obtain too easily, we esteem too lightly.(27:15) Question 3: Will I care about this in the next 5 years?(29:29) Daniel: “Given the state of everything,” is kind of how everyone feels all the time.(30:30) Last question: Does this matter to my finances or my soul?(33:40) Daniel: When people look back on their lives, they don’t care about work and money all that much.INTERVIEW WITH DR BOBBY DUBOIS(35:50) Dr. Bobby Dubois joins us to talk about energy and retirement.(36:41) Today we are going to talk about HOW we approach our health.(38:06) Bobby: One size fits all doesn't reflect our personality types. How things motivate us are not the same from one person to another.(40:02) Roger: Quote from Neal Stephenson might apply to today's longevity discussion. Most of us are too busy living our lives to think about longevity.(41:35) Bobby: There are five different health types and there's a quiz to identify them(42:11) Bobby: The first type is the holistic health hacker, wellness is front and center.(43:52) Bobby: Next is single minded achievers, they focus on one or two things and can get tunnel vision. (45:55) Bobby: Purposeful path planners are folks who are motivated about their health but can get overwhelmed by information.(47:39) Bobby: Contentment creators have mastered the art of enjoying life. Life is front and center and health is secondary.(49:40) The last type is the smallest in my database, hopeful health seekers. They keep at it and don’t give up but they haven’t found the way toward health.(51:17) Bobby talks about Roger being a purposeful path planner.(55:36) Roger: There's a difference between deciding, indecisive, and undecided(59:40) Your health type may change over time.SMART SPRINT(01:05:42) IN the next seven days, I challenge you to use Dr Crosby’s focusing questions to strengthen the muscle around what you should pay attention to and what you should ignore.BONUS(01:06:23) All right, mission number seven and eight, July 8, 1944. Ship number 188, sortie 5th ViennaShow notes created by https://headliner.appRational optimism✍️ Episode ReferencesDr. Daniel Crosbyhttps://www.danielcrosby.com/The Soul of Wealthhttps://harriman.house/books/the-soul-of-wealth/Dr. Bobby Duboishttps://www.drbobbylivelongandwell.com/James Clearhttps://jamesclear.com/Cal Newporthttps://www.calnewport.com/books/deep-work/The Rational Optimist: How Prosperity Evolves- Matt Ridleyhttps://www.amazon.com/Rational-Optimist-Prosperity-Evolves-P-s/dp/0061452068
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    1 hr and 8 mins
  • Gear vs. Stuff with Michael Easter

    Gear vs. Stuff with Michael Easter
    Dec 11 2024

    In this episode, Roger discusses the impact of our relationship with "stuff" on our retirement journey. With the holiday season upon us, we're all about giving and receiving, but how does this accumulation affect us long-term? Michael Easter, author of The Comfort Crisis and Scarcity Brain, joins the conversation and shares insights on distinguishing between gear and stuff. Michael shares insights on the psychological and societal influences driving consumption and offers practical tips for making more mindful purchasing decisions. We also address listener questions on topics like the tax implications of campaign promises and master limited partnerships. Tune in for a thought-provoking discussion that might just change the way you view your possessions and retirement planning.

    OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN

    • [01:00] Our relationship with stuff can have second and third order consequences in retirement
    • [01:50] How watching the Buy Now documentary inspired Roger to think about possessions
    • [03:10] The impact of clutter on retirement

    GEAR VS. STUFF CHAT WITH MICHAEL EASTER

    • [05:40] How the amount of items in the average home has changed over time and why
    • [07:36] Michael Easter defines gear and stuff
    • [09:39] Humans evolved to get as much information as possible
    • [12:00] Managing gear vs. stuff in holiday shopping
    • [12:45] How ecommerce platforms have taken features from casinos to help speed purchases
    • [14:25] Strategies to reduce needless purchases
    • [19:50] Roger’s plan for gifts this year

    LISTENER QUESTIONS

    • [23:45] David’s comment on verse and versus
    • [24:55] Mary on how to ask better questions
    • [26:26] Armand asks why we aren’t discussing potential elimination of income tax on Social Security
    • [30:41] Todd has a question about master limited partnership stocks

    SMART SPRINT

    • [38:00] Be aware of your purchases this holiday season - are you buying gear or stuff?


    Resources Mentioned In This Episode


    Michael Easter


    Cal Newport


    Books: The Comfort Crisis and Scarcity Brain by Michael Easter


    Netflix documentary Buy Now


    Six-Shot Saturday
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    39 mins

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Profile Image for Brad Rickard

Great information

I really like the format of the show and how questions are thoroughly answered. I’ve listened to at least two dozen of the podcasts, picking out a variety of topics. This is great information for me, heading into my retirement years. I intend on listening to all of the past podcasts and not missing any of the upcoming ones.

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