In this episode, we talk about why some people don’t use guaranteed income annuities for their retirement, even though these tools can give you safety, security, and peace of mind. We explore the top six reasons why people might hesitate, like feeling overwhelmed by choices or being afraid of locking up their money.

We also explain how to overcome these concerns and show how annuities can actually make your retirement stronger. If you’re thinking about your future and want to make smart decisions, this episode is for you!

In this episode, Marty Becker talks about long term care riders in annuities. He explains what a long term care rider is and how it works. A long term care rider can help if you ever need extra care, like in a nursing home, by doubling your income payment from your annuity.

But Marty also shares some important things to think about. Most people might not actually get to use this benefit because it depends on having money left in your annuity when you need the care. Marty explains why this might not happen and why choosing an annuity with a long term care rider could actually cost you more money over time.

He also talks about better options, like getting long term care insurance, which can provide more protection if you ever need it.

If you’re thinking about your future and planning for long term care, this episode is full of helpful advice to make sure you make the best choice.

In this episode, we dive into a video made by Dave Ramsey where he talks about retirement withdrawal rates. We point out the problems with his advice, especially the difference between average returns and actual returns. We also explain why understanding the order of your returns (called the sequence of returns) is super important when you retire. Plus, we discuss safer ways to plan your retirement income, like using income annuities.