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Retirement Starts Today

Retirement Starts Today

著者: Benjamin Brandt CFP® RICP®
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Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways and other great retirement content: www.retirementstartstodayradio.com/newsletter© Retire-Ready Resources 個人ファイナンス 経済学
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  • Monetizing a Hobby in Retirement
    2025/06/30

    According to BankRate, 23% of Americans 60-78 have a side-hustle. Maurie Backman says in an article by Kiplinger that this would help with two key areas in retirement planning: It provides us with something fulfilling to do after our primary career and provide a little extra cash in retirement.

    The benefits of a side hustle:

    • Mental Engagement
    • Extra Income
    • Social Connection
    • Sense of Purpose

    The Pitfalls of a side hustle:

    • Tax Complications
    • Outspending your retirement budget in search of business profits
    • Medicare Premium Creep (IRMAA)
    • Lifestyle Clash
    • Time Commitment

    Also in this episode, we discuss a listener's question about global stock allocations - and asks if I think it's better to own a global fund or to own US & international equity separately. How can one balance simplicity and effectiveness in their plan?

    Resource:
    Article by Maurie Backman: Monetizing a Hobby in Retirement: The Benefits and Pitfalls
    Article by Bankrate: https://www.bankrate.com/credit-cards/news/side-hustles-survey/

    Connect with Benjamin Brandt
    • Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com
    • Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter
    • Work with Benjamin: https://retirementstartstoday.com/start

    Follow Retirement Starts Today in:
    Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart

    Get the book!
    Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

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    18 分
  • Why Are So Many Retirees Filing for Social Security Early?
    18 分
  • The Father of the 4% Rule - an Interview with Bill Bengen
    2025/06/16

    If you've been anywhere close to a retirement podcast over the last 10-20 years, you've heard of the 4% rule. And like many people, you might have questions about it.

    We're going to hear about it directly from the horse's mouth as we talk to Bill Bengen, who first articulated the 4% withdrawal rate as a rule of thumb for withdrawal rates from retirement accounts.

    The 4% rule is not a rigid rule but a guideline. Its application requires careful consideration of individual factors, including health, life expectancy, and specific financial circumstances. Bengen encourages retirees to tailor their withdrawal strategies based on their unique situations. Our discussion also explored required minimum distributions (RMDs), which may necessitate higher withdrawals in later years of retirement. However, Bengen suggests that for most people, RMDs would not exceed the calculated withdrawal rates until a very advanced age, making the two compatible.

    Core Points:

    • The 4% rule, initially a worst-case scenario calculation, suggests a 4% annual withdrawal from retirement savings. This has since been refined
    • Research indicates a more generous 4.7% withdrawal rate is now possible due to portfolio diversification and lower investment costs
    • Higher withdrawal rates might be feasible (5-5.5%), depending on market valuations and inflation
    • Early retirement withdrawal timing significantly impacts long-term success
    • Consider individual circumstances, market conditions, and inflation when adjusting withdrawal strategies

    Resource:
    Pre-order Bill Bengen’s new book, "A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More" https://www.bengenfs.com/order-my-book

    Connect with Benjamin Brandt
    • Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com
    • Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter
    • Work with Benjamin: https://retirementstartstoday.com/start

    Get the book!
    Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement

    Follow Retirement Starts Today in
    Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart

    続きを読む 一部表示
    22 分

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