Dolphin Financial Radio

Dolphin Financial Radio

Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.

Episodes

Fear of Spending in Retirement

August 15, 2025
Many people struggle to save enough for retirement. Surprisingly, many also retire and struggle to spend the money they saved! In this show we discuss common fears and anxieties retirees face and strategies to break through and enjoy retirement.
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No More Capital Gains Tax on Primary Home Sales

August 8, 2025
Legislation was recently introduced to the House of Representatives to remove the capital gains tax on the sale of primary homes. In this show we talk about the $250,000 limit, what is at stake, and how this might impact retirees in a major way.
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Big Expenses During Retirement

August 1, 2025
Big expenses during retirement do happen, often unexpectedly. What are some of these expenses and what are some strategies retirees can use to manage the cash outflow without risking their overall retirement success?
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$6000 Bonus Deduction for Seniors Age 65 and Older

July 25, 2025
A $6,000 Bonus Deduction is part of the One Big Beautiful Bill Act. In this show we discuss the details of this new tax deduction, how it works, and some of the limitations. We also address the myth that this is an elimination of Social Security taxes.
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Gambling in Retirement

July 18, 2025
How tax changes in the One Big Beautiful Bill Act impacts winning gamblers. There are new tax rules about gambling winnings and losses in the One Big Beautiful Bill Act. In particular, the new rule limits using only 90% of gambling losses to offset gambling winnings. This could have a life-changing impact on certain people who do a lot of "gambling." Do you pay taxes on your gambling w...
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One, Big, Beautiful Bill Act's Impact on Retirement

July 11, 2025
The "One, Big, Beautiful Bill Act" has just been signed into law, bringing significant changes that will impact your retirement. This episode breaks down the key provisions, from new tax deductions for seniors and permanent tax rate extensions, to potential shifts in healthcare and Required Minimum Distributions (RMDs). Tune in to understand how this sweeping legislation could reshape ...
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Millions Losing Health Insurance?

June 26, 2025
The House of Representatives is adjusting the One, Big, Beautiful Bill and some parts greatly impact our health insurance system. In particular, the ACA subsidies that many rely on to afford health insurance are being reduced or eliminated. Does this really mean millions will lose coverage?
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Social Security Insolvent in 2033

June 20, 2025
This episode confronts the stark reality of Social Security's projected insolvency in 2033, exploring what that means for current and future retirees. We'll delve into the potential implications of benefit reductions and discuss actionable strategies individuals can employ to bolster their own retirement security. Tune in to understand the challenges and discover potential solutions to...
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Age 70 for Full Social Security

June 13, 2025
Social Security full retirement age is currently 67 and there is talk to increase it to age 70. Recently, the country of Denmark passed laws increasing their full pension age to age 70. Will the U.S. follow this lead to help secure the future of Social Security?
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Survivor Benefits - Automatically Switching

June 6, 2025
If you are on Social Security and your spouse dies (or ex-spouse dies), do you automatically switch to the Survivor Benefit? In some cases, the switch is automatic, and in other cases it is not. In this show we discuss why it's important to consider not switching to Survivor benefits right away and also explain when the Social Security Administration will automatically make the switch for y...
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One Big Beautiful Retirement

May 29, 2025
In May of 2025, the House passed the "One Big, Beautiful, Tax Bill." It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.
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Retirement Spending Trends for Spouses with Separate Retirement Dates

May 22, 2025
Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.
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Ex-Spousal Social Security Benefits

May 15, 2025
Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.
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Social Security Spousal Benefits

May 8, 2025
Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.
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401k vs Pension

May 1, 2025
Which is better for retirement - a 401k or a Pension. We review the pros and cons of each retirement plan and decide which is preferrable for retirement planning. At age 62, would you rather have $1 million in a 401k or $75,000 per year in lifetime income?
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Why You Want a Market Crash

April 24, 2025
Are there people, including those close to retirement, that want to see a stock market correction? In this show we talk about the six types of people that enjoy Bear Markets and why you may want to be one of them.
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Retiring in a Bear Market

April 17, 2025
Retiring is a difficult task for many. If you happen to time retirement during a bear market, it may make things even more difficult. What should people do to alleviate the pressures associated with retiring as the market is going down?
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More Expensive to Retire in Florida

April 10, 2025
Where has it been getting more expensive to retire? Is Florida the "best" place to retire, or has it become the most expensive. The answer depends on who you ask. In this show we review three recent studies that show how expensive it has become to retire in the Sunshine State and elsewhere.
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Social Security & DOGE

April 3, 2025
Social Security is a big government program in the crosshairs of the Department of Government Efficiency (DOGE). Changes to the SSA in 2025 have been happening at a relatively face past (for a government agency). Are the rumors about how these changes are hurting the overall program and services true?
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Sacrificing Retirement for an Adult Child

March 27, 2025
More people are helping their adult children financially according to a 2025 survey. With the average support to an adult child of over $1,400 per month, this can become quite a drag on retirement savings. In this show we talk about the emotional and often difficult choices involved in this situation.
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