Stay Wealthy Retirement Podcast

Sales of "traditional" long-term care insurance have fallen 92% since 2002.

Meanwhile, hybrid policies have surged to over 500,000 sales a year. 

But which option actually makes sense for your situation? 

In this episode, I break down everything you need to know before buying long-term care insurance, including:

▶ The optimal age to purchase

▶ Traditional vs. hybrid policies (the real pros and cons beyond the sales pitch)

▶ The act...

You've heard it before—70% of Americans over 65 will need long-term care.

While that number is technically true, it's also misleading.

Because here's what many people don't realize: the vast majority of retirees will never face a catastrophic, six-figure care event.

In fact, nearly two-thirds will spend ZERO out of pocket during their lifetime! 🤯

So how do you prepare responsibly without overpaying for protection you may never use...

Americans lost a record $16 billion to scams in 2024—nearly 40% from investment fraud alone.

The trend is moving in the wrong direction. 

In this episode, I share the story of a small-town financial advisor who built trust over decades, until that trust unraveled into one of the most devastating scams they'd ever seen.

More importantly, I break down 8 red flags that experts say could indicate you're being conned.

Because here's the...

Most experts say the smartest Social Security move is to wait until age 70 to claim.

On paper, the logic seems simple—delay claiming, and you'll lock in a larger monthly check for life.

But here's what's interesting: only about 10% of Americans actually wait that long. 🤯

Nearly one-third claim Social Security at 62, and the majority file before full retirement age. 

So are millions of retirees making a huge mistake… or is the conv...

We've been told our whole lives that retirement happens at 65—maybe 62 if you're lucky.

But in my experience, that traditional timeline isn't always the reality. In fact, for many people, retirement may be much closer than they realize.

After nearly 20 years of building retirement plans, I've noticed a recurring theme:

Most people overestimate how much they think they need and underestimate how ready they already are.

That's why in...

Even if you're not on Medicare right now, chances are someone you love is—and sooner or later, you'll face those decisions yourself.

That's why it's worth paying attention to an important letter that arrives every September: the Annual Notice of Change.

Most people glance at it, toss it aside, and never think twice.

But with big shifts coming in 2026, ignoring it could be a costly mistake.

And that letter is just the beginning.

The...

Despite making insurance decisions almost daily, many retirement savers don't truly understand what they're buying or why they need it.

In today's episode, I'm breaking down life insurance into simple, actionable terms.

Specifically, I'm sharing:

‣ The 3 essential steps to managing insurable risks

‣ The key differences between term and permanent life insurance

‣ The exact questions to ask yourself before buying (or hanging onto) an...

Retirement is about so much more than money—it's a complete life transition.

In this episode, I'm sharing my recent conversation with Adam Cmejla, where we explore the often-overlooked aspects of retirement planning.

We discuss:

‣ Why retirement can feel like a grieving process—and how to navigate it

‣ The surprising role responsibility and community play in long-term happiness

‣ Smarter ways to approach Monte Carlo simulations, ta...

Required Minimum Distributions (RMDs) could force you to withdraw as much as 15% of your retirement account balance in a single year.

But do RMDs really put you at risk of outliving your money?

Why does the IRS expect you to live so much longer than the Social Security Administration does?

And what proactive steps can you take before age 73 to avoid giving the IRS more than its fair share?

In this episode, I'm unpacking:

‣ How RMDs...

Is retiring in your 50s actually realistic for everyday Americans?

According to a recent NerdWallet survey, the average target retirement age for households earning $100,000+ isn't 65—it's 58.

And these aren't tech moguls or lottery winners.

They're teachers, small business owners, and dual-income couples who've steadily built their nest eggs and now want to enjoy their healthy, active years while they can.

But retiring in your 50s...

What if everything you've learned about money completely changes once you cross the $1 million mark?

Many people think a healthy 7-figure nest egg means the hardest part is done, but ironically, that's when the biggest financial challenges start.

Today, Nick Maggiulli returns to share his latest retirement research, which inspired his new book, "The Wealth Ladder."

In this conversation, we explore:

▸ Why retirement savers with $1-1...

A recent study reported that 76% of retirees regret not saving more money.

But after working with hundreds of successful retirees and analyzing thousands of survey responses, I've discovered something interesting: 

Their deepest regrets actually have little to do with financial shortfalls.

Instead, they revolve around critical aspects of financial planning that significantly impact purpose, independence, and fulfillment in your gol...

Wondering how the new 'One Big Beautiful Bill Act' affects you and your retirement plan?

Don't want to read 870 pages of Congressional jargon?

I've got you covered!

In this episode, I'm breaking it all down and sharing the 5 biggest things retirement savers need to know.

I'm also addressing several broader provisions in the bill and clarifying some common misconceptions.

This giant (and confusing!) economic package touches nearly e...

Think you need millions of dollars to retire comfortably? Think again.

Most people believe they're "behind" on retirement savings because they're measuring against arbitrary benchmarks that don't reflect their unique situation.

But what if retiring at 62 is actually more achievable than you've been led to believe?

In this episode, I'm sharing:

► Why you should ignore popular savings benchmarks

► Why delaying Social Security isn't a...

"I planned for 30 years of expenses—but zero years of purpose."

This was a recent client's confession, and she's not alone.

In fact, nearly 40% of retirees say they wish they had waited longer to retire (and it's not about money). 

In this episode, I'm revealing why even the most financially prepared retirees fall into identity crises and regret.

I'm also sharing my 5-step "Bridge Strategy" to help you retire with clarity and purpo...

"Cash is king" has guided investors since the 1987 market crash.

But what if this so-called "king" is actually putting your retirement plan at risk?

Millions of retirees are lured by today's enticing cash yields, confusing safety nets for sound investment strategies.

In this episode, I'm revealing why cash (even at 4-5%) is a deceptive long-term investment.

I'm also sharing details about a critical investment performance metric to ...

You've finally made it to retirement!

But what if some of the choices you're making right now are quietly pulling you back to work?

Every year, countless retirees are forced back into the workplace.

Not because they were reckless, but because they followed advice that sounded smart and safe.

In this episode, I'm sharing 7 of the most common retirement pitfalls that can derail even the best-laid plans.

I'm also sharing our Total Ret...

"I'll just work a few more years."

It's the retirement safety net millions of Americans often count on.

In large part because the financial industry has convinced everyone that retiring later is the most sensible backup plan if your savings fall short.

But what if this common advice is actually setting you up for one of the most costly mistakes of your life?

In this episode, I'm sharing why the real danger may not be running out of...

Today I'm diving into the tariff-induced market mania that has been dominating every news headline.

Specifically, I'm joined by Cullen Roche, monetary economics expert and founder of Discipline Funds, to discuss three important things:

► How tariffs actually work and why economists across the political spectrum overwhelmingly agree they are bad

► What the recent tariff proposal means for the economy (and American consumers)

► What ...