June 24, 2025 • 12 mins
One wrong move can ruin a vacation—and your retirement. In this episode, Jon Hicks draws a sharp comparison between travel mishaps and financial missteps, revealing the top three mistakes that can derail your retirement: claiming Social Security at the wrong time, failing to shift to a conservative investment strategy, and overspending without a plan. Learn how to avoid these pitfalls and build a retirement that lasts. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
This is the Retirement Solution Podcast with financial advisor John Hicks,
founder of Jayhagen Capital.
Speaker 2 (00:07):
So it is summertime. It is vacation time, hopefully you
dear listener. You're planning on hitting the beach or getting
away someplace. Planning vacation is something that we take very
seriously round here, because if you're going to go through
all the time, effort and trouble, you might as well
have a good time. However, as it would turn out,
one thing can ruin the whole thing, John, just mess
(00:29):
the whole thing up.
Speaker 3 (00:30):
Yeah, I mean it's done the same thing to me. Right,
So you have everything planned, you're getting ready to leave
on a European holiday or you're going to go to
the Islands or whatever your thing is, and if that
first plane is late, all of a sudden, it's like
the domino effect of well, now you miss your connecting flight. Yeah,
now you're in in a different day. Now you missed
(00:51):
your reservations, don't uh, And I'll watch it happen and
myself one day, twice twice, one day at the front
end of the trip ruined in my mind because it's
all emotional, right, Yeah, it ruined like the next, seven, eight, nine,
ten days, it did it. I'm like, Man, had we
gotten in there when we're supposed to, we would have
had our down day like we're supposed to. We wouldn't
(01:13):
have had such an issue getting the luggage done that duh.
And it happens. Yeah, it happens to all of us. Though.
There's nothing we can do about. It's just the emotional
I say, there's nothing we can do. There is, And
I'm sure there's some therapists out there going, yes, John,
those exercises, oh sasa right.
Speaker 2 (01:30):
The thing about that case scenario, though, is that it's
just one trip. So when we think about planning for
our retirement, things that can come along, just one thing
and mess up the whole retirement experience. Let's break this down.
The reason why I bring all this up is because
it's summertime, it's vacation season, and a lot of people
of course getting away. There was this survey done by
(01:52):
go city dot com and they basically they surveyed a
bunch of people to ask about a perfect day of
dream vacation and what the return was. The perfect vacation.
It lasts eleven days, it's only three hours from home,
so people don't want to travel that much. They want
to be vacationing, not traveling. And it costs nearly nine
thousand dollars per person. So apparently they're staying all eleven
(02:12):
days at some sort of fancy four seasons all inclusive
because there you one thousand dollars a person.
Speaker 3 (02:16):
Dang, I like all that so far.
Speaker 2 (02:19):
However, the study also found that a whopping ninety two
percent says if just one thing goes wrong on a trip,
it is enough to ruin everything else.
Speaker 3 (02:28):
There you go.
Speaker 2 (02:29):
And the idea is not only applicable to vacationing, because
when it comes to our planning for retirement, you have
seen circumstances where one thing and a plan could mess
up the entire thing.
Speaker 3 (02:46):
Is that happens all the time? Yeah, it happens all
the time, and especially when it comes to timing. Right.
So a lot of people that I run into all
the time, and they'll come into the office like, yeah, John,
so I'm thinking about retiring. I've got nine hundred and
eighty three thousand dollars. As soon as I get to
a million dollars, that's when I want to do it.
There could be almost nothing more arbitrary in the world
about just having some round number. There's almost nothing more
(03:09):
arbitrary than that, because whether you have nine hundred and
seventy three thousand dollars or a million dollars, the question
is how much income can you derive off that amount
of money to live the way you want? Because there's
a lot of people that when they say, well, I
get a million dollars and they think they're going to
live a certain way, they need one point seven million
dollars to live that way. Right. So unfortunately, there's a
(03:29):
lot of us that do some crazy stuff, but there's
some other ones that can derail us too. So let's
go through some of the list of things that I
have seen truly cause people harm over time and unfortunately
blow up the rest. So the first thing when you're ever, ever,
ever thinking about retirement finances, it's different than just building
a big old pile of money or or a portfolio
or an asset base. It's a little different because when
(03:52):
we get to that retirement concept, we have to understand, Okay,
I've spent forty fifty sixty seventy years getting to this point,
how do I hold on to what a gat right?
So you have to have some form of protection, and
then you've got to create income from it. So if
we think about that, the one of the biggest things
that I see that messes people up is they take
social Security at the wrong time. Okay, I don't know why.
They talk to their neighbors, they remember what their parents did,
(04:15):
they've scoured the internet all these things. Mathematically, there is
a perfect time to take social security if you know
exactly when you're gonna die. Yeah, problem is, I have
yet to meet anyone who knows with total certainty what
their last day is going to be, or here at
less add to that, or what the last day that
(04:37):
their spouse may be alive. So because of that, there
is no way to plan for an exactly right social
security case. The question is how much do you need
at the age that you're going to retire. That's what
it stems from the very beginning, right because when you
get to there, then you have to figure out, well,
what's taxation going to be, are you gonna have any
other active income, where's your other income sources going to
(04:58):
come from, how much you're gonna pull from your portfolio?
Because as you add those things up, if you take
your social security early you could be paying tremendously more
taxes than you think, and you have to pull more
money from your portfolio just to stay retired. That's terrible.
As opposed to some people, I'm like, hey, if you're
going to retire, you still let's say sixty nine, I
(05:20):
still may tell them, mathematically, go ahead and start taking
your Social Security as soon as your full retirement age,
So sixty six and eight months or sixty seven, whatever
your date is. Still I want you to take it early.
Why because mathematically you may have more money in your
pocket all the way until from the time you start
taking it to age to say ninety one. I've seen
(05:40):
that as a number I see all the time, either
eighty nine or ninety one. So the question is when
would you rather have more money in your pocket when
you're eighty nine to ninety one to gone, or from
every day from the time you turn it on to
get to eighty nine to ninety one. Right, So most
people they're like, John, I want to live, you know, retime,
I have some fun. I want to go travel. I
(06:01):
want to go to the Bahamas. I want to you know,
do that Mediterranean cruise. I want to take the whole
kids and grandkids down to Disney or Orlando, or you know,
I'm thinking about a you know, a beach house somewhere
to either rent or do a timeshare or whatever. Right,
and so when are we probably going to use those
things in the beginning of our retirement, when we're younger
and healthier and we still have those dreams, then they're
(06:23):
still very poignant. So those are the things that I
really want to tell people. Don't take Social Security at
an arbitrary time. Do the planning on that. This is
a good time if you're thinking about or in that
timeframe to talk to a financial advisor, not for them
to sell you and hawk you junk exactly opposite, to
figure out where you should consider taking it, because there's
(06:43):
no perfect answer. There's really just the answer that's going
to benefit you the most, either in the short run
the middle run of the long run, and we don't
know how long you're gonna last, right, so we just
want to plan for that.
Speaker 2 (06:52):
Right.
Speaker 3 (06:53):
So, taking Social Security at the wrong time, I see
cause a lot of people stress, but it can also
cost you thirty percent of your entire paycheck. So make
sure you get that right, all right. The second one
is understanding that the way that you got to be
that millionaire or multimillionaire is going to be very different
than how you maintain and stay a millionaire or multimillionaire.
I know it sounds outlandish. I know it sounds like buffoonery,
(07:15):
but it's true. Typically, in order to make tremendous amounts
of money, you have to take risks. You have to
be a little bit more aggressive. And if you do that,
have you invested in Microsoft, in Nvidia and Tesla and
all these things over the past fifteen years, You've done
quite well, right, And so that would that risk and
that aggressiveness gets you the biggest pile of money. But
(07:36):
if you want to hold onto that pile of money
and you need it to provide an income for you
and a surviving spouse and hopefully have something leftover for
the kids, you're probably going to have to have a
little bit more of a conservative philosophy. And this is
a paradigm shift, guys, I get it, I know it.
I can't explain enough that when we get to within
three years of retirement, all that risk that built that
(07:59):
huge part of that portfolio, we need to diffuse that
a little bit. We have to know exactly of that
portfolio what we require to produce income for us, and
the other portion that we can take as much risk
as we want, as long as we're aware it could
go up and it could go down, and we don't know,
but we won't require it for the first twenty to
twenty five years of retirement. It's unbelievably important in doing that,
(08:21):
which I call bucketing. Right, we have three buckets. One
for the money that we're gonna need over the next
year to two years, make sure that we can survive
to fight another day. That middle bucket, this one in
the middle that is built to be our conservative bucket,
that is built to provide income that we can keep feeding.
That first bucket because once we've gone through that emergency
fund and that cash and those safe investments, we need
(08:42):
something produce that income so we can stay retired, right
to supplement social security in our pensions. That third bucket,
which is where a lot of us, especially if we've
been thumping our chest. Yeah, market's been good, Ooh, I'm virile. Yes,
let's get market gains. We need to tamp that down
just a little bit, and it becomes a bucket. One
of the three buckets and so whether that is the
(09:04):
majority of your money or a very small portion of
your money, that's the part that we can stay and
play that game. But the rest of it we have
to understand. Conservatism is how we preserve what we spend
an entire lifetime to build. Okay, okay, So those are
the two big ones right out of the gate, and
then the last one I want to talk about right
now is making sure that we spend correctly. I know
(09:25):
that budget is a dirty word. I know it even
in my own house. I get it. It just it
feels weird to say that you're on a spending plan
or you have a budget, or you have to spend
within your means. It just feels like, why would I
retire if I have to spend with the means? Well,
the reason when you retire you have to spend within
your means is so you can stay retired. There are
(09:45):
unbelievable numbers of professional athletes that have made twenty thirty
forty eighty one hundred and fifty million dollars in their
playing career, and their playing career ends when they're thirty nine,
and guess how much money they have when they're forty two.
None between dumb divorces, bad business deals, blowing it like
it's going out of style, and goodness knows what else
(10:07):
they have no money after they've made forty eighty one
hundred and fifty million dollars. So understand, we can't live
the same way in retirement often unless we have an
income plan for it. Now, don't get me wrong. I
got clients that spend a couple million dollars a year
in retirement. But what does that mean that they have
They have income streams that support that. It's not just
(10:28):
based on assets they still't own asset income streams that
are producing money, whether it be from real estate or
airbnbs or oil royalties or things like that from companies
that their parents and grandparents and great grandparents owned. But
we have to be aware of that. So you have
to spend within your means and you have to actually
plan for that. You also want to have a little
(10:48):
bit of extra out there so that when you do
have fun, you're not dipping into the other things. So
the big three, just to recap. Number one, make sure
you take your Social Security at the right time, not
the perfect time, but the right time based on your
tax needs. Number two, make sure that you understand more
conserve approaches when you get to retirement, at least when
you understand the buckets. And lastly, make sure that you
spend within the means of the retirement you want. And
(11:08):
if you're not there yet, maybe defer retirement just a
little bit to make sure that you can get it
where you need it.
Speaker 2 (11:14):
It's all part of the planning process that they do
daily at jay Haygen Capital. So if you have questions
about these ideas, wanting to ensure that you don't have
some big, one thing in your plan that could ruin
the rest of it, let's get to work helping you
put a plan in place and acknowledging these points that
John just pointed out here these three ideas. Retirement solutionshow
dot com is our website and where to start the
(11:35):
conversation with the team at jay Hagen Capital. You can
also click on the links who got posted in the
show notes. Avoid the one major error in your retirement plan.
Whatever that one major error might be, it can be
different for everybody, So let's make sure that you've got
a plan in place for your goals. Again, it's Retirement
solutionshow dot com.
Speaker 1 (11:53):
Thanks for listening. To The Retirement Solution podcast with John Hicks.
Begin the conversation about your savings plan on in the
team at Jayhagen Capital by visiting Retirement Solution Radio dot com.
Be sure to listen to John's radio show, The Retirement
Solution Saturdays at eight am and Sundays at nine am
on NewsRadio eight forty Whas.
Speaker 4 (12:14):
Jay Haagen Capital Incorporated is not licensed in all fifty states.
To find out if Jahagen Capital Incorporated is licensed in
your state, please call five zero two sixty nine oh
fifty six thirty five. J Higgen Capital, Incorporated is not
affiliated with, nor endorsed by the Social Security Administration or
any other government agency, and does not provide legal or
tax advice. By contacting us, you may be provided with
information about insurance and annuity products offered through Jhiggen Capital
(12:35):
LLCNPN number one eight
Speaker 3 (12:36):
Eight two seven zero nine four
This is the Retirement Solution Podcast with financial advisor John Hicks,
founder of Jayhagen Capital.
Speaker 2 (00:07):
So it is summertime. It is vacation time, hopefully you
dear listener. You're planning on hitting the beach or getting
away someplace. Planning vacation is something that we take very
seriously round here, because if you're going to go through
all the time, effort and trouble, you might as well
have a good time. However, as it would turn out,
one thing can ruin the whole thing, John, just mess
(00:29):
the whole thing up.
Speaker 3 (00:30):
Yeah, I mean it's done the same thing to me. Right,
So you have everything planned, you're getting ready to leave
on a European holiday or you're going to go to
the Islands or whatever your thing is, and if that
first plane is late, all of a sudden, it's like
the domino effect of well, now you miss your connecting flight. Yeah,
now you're in in a different day. Now you missed
(00:51):
your reservations, don't uh, And I'll watch it happen and
myself one day, twice twice, one day at the front
end of the trip ruined in my mind because it's
all emotional, right, Yeah, it ruined like the next, seven, eight, nine,
ten days, it did it. I'm like, Man, had we
gotten in there when we're supposed to, we would have
had our down day like we're supposed to. We wouldn't
(01:13):
have had such an issue getting the luggage done that duh.
And it happens. Yeah, it happens to all of us. Though.
There's nothing we can do about. It's just the emotional
I say, there's nothing we can do. There is, And
I'm sure there's some therapists out there going, yes, John,
those exercises, oh sasa right.
Speaker 2 (01:30):
The thing about that case scenario, though, is that it's
just one trip. So when we think about planning for
our retirement, things that can come along, just one thing
and mess up the whole retirement experience. Let's break this down.
The reason why I bring all this up is because
it's summertime, it's vacation season, and a lot of people
of course getting away. There was this survey done by
(01:52):
go city dot com and they basically they surveyed a
bunch of people to ask about a perfect day of
dream vacation and what the return was. The perfect vacation.
It lasts eleven days, it's only three hours from home,
so people don't want to travel that much. They want
to be vacationing, not traveling. And it costs nearly nine
thousand dollars per person. So apparently they're staying all eleven
(02:12):
days at some sort of fancy four seasons all inclusive
because there you one thousand dollars a person.
Speaker 3 (02:16):
Dang, I like all that so far.
Speaker 2 (02:19):
However, the study also found that a whopping ninety two
percent says if just one thing goes wrong on a trip,
it is enough to ruin everything else.
Speaker 3 (02:28):
There you go.
Speaker 2 (02:29):
And the idea is not only applicable to vacationing, because
when it comes to our planning for retirement, you have
seen circumstances where one thing and a plan could mess
up the entire thing.
Speaker 3 (02:46):
Is that happens all the time? Yeah, it happens all
the time, and especially when it comes to timing. Right.
So a lot of people that I run into all
the time, and they'll come into the office like, yeah, John,
so I'm thinking about retiring. I've got nine hundred and
eighty three thousand dollars. As soon as I get to
a million dollars, that's when I want to do it.
There could be almost nothing more arbitrary in the world
about just having some round number. There's almost nothing more
(03:09):
arbitrary than that, because whether you have nine hundred and
seventy three thousand dollars or a million dollars, the question
is how much income can you derive off that amount
of money to live the way you want? Because there's
a lot of people that when they say, well, I
get a million dollars and they think they're going to
live a certain way, they need one point seven million
dollars to live that way. Right. So unfortunately, there's a
(03:29):
lot of us that do some crazy stuff, but there's
some other ones that can derail us too. So let's
go through some of the list of things that I
have seen truly cause people harm over time and unfortunately
blow up the rest. So the first thing when you're ever, ever,
ever thinking about retirement finances, it's different than just building
a big old pile of money or or a portfolio
or an asset base. It's a little different because when
(03:52):
we get to that retirement concept, we have to understand, Okay,
I've spent forty fifty sixty seventy years getting to this point,
how do I hold on to what a gat right?
So you have to have some form of protection, and
then you've got to create income from it. So if
we think about that, the one of the biggest things
that I see that messes people up is they take
social Security at the wrong time. Okay, I don't know why.
They talk to their neighbors, they remember what their parents did,
(04:15):
they've scoured the internet all these things. Mathematically, there is
a perfect time to take social security if you know
exactly when you're gonna die. Yeah, problem is, I have
yet to meet anyone who knows with total certainty what
their last day is going to be, or here at
less add to that, or what the last day that
(04:37):
their spouse may be alive. So because of that, there
is no way to plan for an exactly right social
security case. The question is how much do you need
at the age that you're going to retire. That's what
it stems from the very beginning, right because when you
get to there, then you have to figure out, well,
what's taxation going to be, are you gonna have any
other active income, where's your other income sources going to
(04:58):
come from, how much you're gonna pull from your portfolio?
Because as you add those things up, if you take
your social security early you could be paying tremendously more
taxes than you think, and you have to pull more
money from your portfolio just to stay retired. That's terrible.
As opposed to some people, I'm like, hey, if you're
going to retire, you still let's say sixty nine, I
(05:20):
still may tell them, mathematically, go ahead and start taking
your Social Security as soon as your full retirement age,
So sixty six and eight months or sixty seven, whatever
your date is. Still I want you to take it early.
Why because mathematically you may have more money in your
pocket all the way until from the time you start
taking it to age to say ninety one. I've seen
(05:40):
that as a number I see all the time, either
eighty nine or ninety one. So the question is when
would you rather have more money in your pocket when
you're eighty nine to ninety one to gone, or from
every day from the time you turn it on to
get to eighty nine to ninety one. Right, So most
people they're like, John, I want to live, you know, retime,
I have some fun. I want to go travel. I
(06:01):
want to go to the Bahamas. I want to you know,
do that Mediterranean cruise. I want to take the whole
kids and grandkids down to Disney or Orlando, or you know,
I'm thinking about a you know, a beach house somewhere
to either rent or do a timeshare or whatever. Right,
and so when are we probably going to use those
things in the beginning of our retirement, when we're younger
and healthier and we still have those dreams, then they're
(06:23):
still very poignant. So those are the things that I
really want to tell people. Don't take Social Security at
an arbitrary time. Do the planning on that. This is
a good time if you're thinking about or in that
timeframe to talk to a financial advisor, not for them
to sell you and hawk you junk exactly opposite, to
figure out where you should consider taking it, because there's
(06:43):
no perfect answer. There's really just the answer that's going
to benefit you the most, either in the short run
the middle run of the long run, and we don't
know how long you're gonna last, right, so we just
want to plan for that.
Speaker 2 (06:52):
Right.
Speaker 3 (06:53):
So, taking Social Security at the wrong time, I see
cause a lot of people stress, but it can also
cost you thirty percent of your entire paycheck. So make
sure you get that right, all right. The second one
is understanding that the way that you got to be
that millionaire or multimillionaire is going to be very different
than how you maintain and stay a millionaire or multimillionaire.
I know it sounds outlandish. I know it sounds like buffoonery,
(07:15):
but it's true. Typically, in order to make tremendous amounts
of money, you have to take risks. You have to
be a little bit more aggressive. And if you do that,
have you invested in Microsoft, in Nvidia and Tesla and
all these things over the past fifteen years, You've done
quite well, right, And so that would that risk and
that aggressiveness gets you the biggest pile of money. But
(07:36):
if you want to hold onto that pile of money
and you need it to provide an income for you
and a surviving spouse and hopefully have something leftover for
the kids, you're probably going to have to have a
little bit more of a conservative philosophy. And this is
a paradigm shift, guys, I get it, I know it.
I can't explain enough that when we get to within
three years of retirement, all that risk that built that
(07:59):
huge part of that portfolio, we need to diffuse that
a little bit. We have to know exactly of that
portfolio what we require to produce income for us, and
the other portion that we can take as much risk
as we want, as long as we're aware it could
go up and it could go down, and we don't know,
but we won't require it for the first twenty to
twenty five years of retirement. It's unbelievably important in doing that,
(08:21):
which I call bucketing. Right, we have three buckets. One
for the money that we're gonna need over the next
year to two years, make sure that we can survive
to fight another day. That middle bucket, this one in
the middle that is built to be our conservative bucket,
that is built to provide income that we can keep feeding.
That first bucket because once we've gone through that emergency
fund and that cash and those safe investments, we need
(08:42):
something produce that income so we can stay retired, right
to supplement social security in our pensions. That third bucket,
which is where a lot of us, especially if we've
been thumping our chest. Yeah, market's been good, Ooh, I'm virile. Yes,
let's get market gains. We need to tamp that down
just a little bit, and it becomes a bucket. One
of the three buckets and so whether that is the
(09:04):
majority of your money or a very small portion of
your money, that's the part that we can stay and
play that game. But the rest of it we have
to understand. Conservatism is how we preserve what we spend
an entire lifetime to build. Okay, okay, So those are
the two big ones right out of the gate, and
then the last one I want to talk about right
now is making sure that we spend correctly. I know
(09:25):
that budget is a dirty word. I know it even
in my own house. I get it. It just it
feels weird to say that you're on a spending plan
or you have a budget, or you have to spend
within your means. It just feels like, why would I
retire if I have to spend with the means? Well,
the reason when you retire you have to spend within
your means is so you can stay retired. There are
(09:45):
unbelievable numbers of professional athletes that have made twenty thirty
forty eighty one hundred and fifty million dollars in their
playing career, and their playing career ends when they're thirty nine,
and guess how much money they have when they're forty two.
None between dumb divorces, bad business deals, blowing it like
it's going out of style, and goodness knows what else
(10:07):
they have no money after they've made forty eighty one
hundred and fifty million dollars. So understand, we can't live
the same way in retirement often unless we have an
income plan for it. Now, don't get me wrong. I
got clients that spend a couple million dollars a year
in retirement. But what does that mean that they have
They have income streams that support that. It's not just
(10:28):
based on assets they still't own asset income streams that
are producing money, whether it be from real estate or
airbnbs or oil royalties or things like that from companies
that their parents and grandparents and great grandparents owned. But
we have to be aware of that. So you have
to spend within your means and you have to actually
plan for that. You also want to have a little
(10:48):
bit of extra out there so that when you do
have fun, you're not dipping into the other things. So
the big three, just to recap. Number one, make sure
you take your Social Security at the right time, not
the perfect time, but the right time based on your
tax needs. Number two, make sure that you understand more
conserve approaches when you get to retirement, at least when
you understand the buckets. And lastly, make sure that you
spend within the means of the retirement you want. And
(11:08):
if you're not there yet, maybe defer retirement just a
little bit to make sure that you can get it
where you need it.
Speaker 2 (11:14):
It's all part of the planning process that they do
daily at jay Haygen Capital. So if you have questions
about these ideas, wanting to ensure that you don't have
some big, one thing in your plan that could ruin
the rest of it, let's get to work helping you
put a plan in place and acknowledging these points that
John just pointed out here these three ideas. Retirement solutionshow
dot com is our website and where to start the
(11:35):
conversation with the team at jay Hagen Capital. You can
also click on the links who got posted in the
show notes. Avoid the one major error in your retirement plan.
Whatever that one major error might be, it can be
different for everybody, So let's make sure that you've got
a plan in place for your goals. Again, it's Retirement
solutionshow dot com.
Speaker 1 (11:53):
Thanks for listening. To The Retirement Solution podcast with John Hicks.
Begin the conversation about your savings plan on in the
team at Jayhagen Capital by visiting Retirement Solution Radio dot com.
Be sure to listen to John's radio show, The Retirement
Solution Saturdays at eight am and Sundays at nine am
on NewsRadio eight forty Whas.
Speaker 4 (12:14):
Jay Haagen Capital Incorporated is not licensed in all fifty states.
To find out if Jahagen Capital Incorporated is licensed in
your state, please call five zero two sixty nine oh
fifty six thirty five. J Higgen Capital, Incorporated is not
affiliated with, nor endorsed by the Social Security Administration or
any other government agency, and does not provide legal or
tax advice. By contacting us, you may be provided with
information about insurance and annuity products offered through Jhiggen Capital
(12:35):
LLCNPN number one eight
Speaker 3 (12:36):
Eight two seven zero nine four
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