Money Moves: Smart Steps Toward Retirement

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Ready for a retirement reality check? Whether you're a twenty-something who thinks retirement is light-years away or approaching your golden years with anxiety, this conversation with retirement expert John Ezell delivers straight talk about securing your financial future.

Most of us get financial advice from well-meaning relatives who lack expertise—a recipe for disaster. Just ask our host, whose mother lost $90,000 of retirement savings overnight in 2008 because she had everything in one investment. This eye-opening episode unpacks the power of compound interest (start in your 20s and you're practically guaranteed to hit seven figures) and explains why diversification isn't just financial jargon—it's your safety net.

For younger listeners, we break down investment vehicles from employer-matched 401(k)s to Roth IRAs, HSAs, and more. For those in their 50s and 60s feeling behind, Ezell offers game-changing strategies: maximizing catch-up contributions, delaying Social Security until 70, downsizing strategically, and generating side income. The truth? It might be the fourth quarter, but you can still win the retirement game with the right moves.

What sets this episode apart is Ezell's holistic "three-legged stool" approach, integrating retirement planning with tax strategy and estate planning—because working with experts who understand only one area means you're getting just a third of the solution you need. From calculating "your number" to automation tips that make saving painless, we deliver actionable advice free of financial industry doublespeak.

Have questions about securing your future? Contact John at cprwm.com or send your queries to [email protected] for our upcoming follow-up episode. Remember: the best time to start planning was yesterday. The second best time? Right now.

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