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How to Retire on Time - Podcast

How to Retire on Time

Welcome to How to Retire on Time, a show that answers your questions about all things retirement, including income, taxes, Social Security, healthcare, and more. This show is an extension of the book How to Retire on Time, which you can grab today on Amazon or by going to www.howtoretireontime.com.

This show is intended for those within 10 years of their target retirement date or for those are are currently retired and are concerned about their ability to stay retired.

Investing Business Education How To
Update frequency
every day
Average duration
12 minutes
Episodes
286
Years Active
2024 - 2025
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Your Encore Years - A Special Episode

Your Encore Years - A Special Episode

Join Mike as he interviews Richard Himmer, PhD about his new book, "Your Encore Years." Discover the non-financial planning aspects that are important to your happiness, joy, and well-being in retire…

01:32:06  |   Mon 08 Sep 2025
Breaking Down the Self-Insure Option

Breaking Down the Self-Insure Option

“Hey Mike, what does it mean to “self-insure” in retirement?” Discover what it means to self-insure against long-term care needs and more. 

Text your questions to 913-363-1234.   
 
Request Your Wealth …

00:12:11  |   Fri 05 Sep 2025
How to Get on the Same Page as Your Spouse When It Comes to Risk

How to Get on the Same Page as Your Spouse When It Comes to Risk

Hey, Mike. How do I get my husband to take the last few years in retirement? He loves training, which feels risky. He believes he can make consistent returns and provide for us in retirement, but I …

00:10:57  |   Thu 04 Sep 2025
Dynamic Indexes vs. Static Indexes

Dynamic Indexes vs. Static Indexes

“Hey Mike, which is better; dynamic indexes that change with the market or static indexes that don't really change?" Discover the benefits and detriments associated with newer dynamic indexes when co…

00:13:41  |   Wed 03 Sep 2025
A Difficult Conversation Around Commissions

A Difficult Conversation Around Commissions

“Hey Mike, are there other high commissioned products out there like annuities that I should stay away from?” Discover various investments or products that pay a commission so you can be aware of pot…

00:15:04  |   Tue 02 Sep 2025
When Broad Diversification May Not Make Sense

When Broad Diversification May Not Make Sense

“My portfolio always underperforms even though I do exactly what I am supposed to do. Why is that?” Discover why having a little bit of everything may not make sense for your specific situation and w…

00:13:03  |   Mon 01 Sep 2025
Why Lowering Interest Rates Could Mean Several Things

Why Lowering Interest Rates Could Mean Several Things

“Hey, Mike, what do you expect to happen when interest rates start to go down?” Discover why the Fed lowering interest rates could be good or bad for the economy. 

Text your questions to 913-363-1234.…

00:07:05  |   Fri 29 Aug 2025
When Even Fiduciaries Have a Conflict of Interest

When Even Fiduciaries Have a Conflict of Interest

“Hey Mike, do fiduciaries have conflicts of interest?” Discover why it may be impossible for a financial professional, even a fiduciary, to have a conflict of interest and what you can do about it. 

T…

00:09:14  |   Thu 28 Aug 2025
Two Parts to Retirement Planning: Financial and Non-Financial

Two Parts to Retirement Planning: Financial and Non-Financial

“Hey Mike, I think I can afford to retire, but I don't know what I'd do if I did. Any thoughts?” Discover the non-financial part of retirement planning that is often missed. 

Text your questions to 91…

00:09:54  |   Wed 27 Aug 2025
Buffered ETFs vs Fixed Indexed Annuities

Buffered ETFs vs Fixed Indexed Annuities

“Hey Mike, when should someone use buffer ETS versus index annuities in their plan?” Discover the difference between these two products and why you may want to use one in certain situations and the o…

00:16:44  |   Tue 26 Aug 2025
It’s Time to Change Your Definition of Risk

It’s Time to Change Your Definition of Risk

“Hey Mike, what's something you see that people often misunderstand about their portfolio?” Discover why Mike thinks the word risk is often misunderstood and how you should define it instead. 

Text yo…

00:21:33  |   Tue 26 Aug 2025
An Unconventional Look at Your Advisor’s Services

An Unconventional Look at Your Advisor’s Services

Hey, Mike. How can somebody know they are making the right decisions as they prepare for retirement without a financial adviser?” Discover why Mike thinks the financial services space needs to go th…

00:13:44  |   Fri 22 Aug 2025
There’s More Risk Than Market Risk to Consider

There’s More Risk Than Market Risk to Consider

Hey Mike, what lifestyle habits have you seen erode someone's retirement plan?” Discover hidden risks outside the stock market that you may want to consider.

Text your questions to 913-363-1234.   
 
R…

00:07:14  |   Thu 21 Aug 2025
How to Plan for the Last 10 Years of Your Career

How to Plan for the Last 10 Years of Your Career

Hey Mike, I want to work another five years before I retire, but I'm concerned my position won't be around that long. How do you plan for a situation like this?” Discover ways you can better prepare…

00:06:04  |   Wed 20 Aug 2025
Ways to Adjust a Non-Retirement Portfolio

Ways to Adjust a Non-Retirement Portfolio

“Hey Mike, most of my investments are in a brokerage account. How do I set up my retirement plan without creating a huge tax bill.” Discover the nuance of shifting a non-retirement portfolio (not IRA…

00:09:18  |   Tue 19 Aug 2025
Don't Make This Mistake as You Prepare for Retirement

Don't Make This Mistake as You Prepare for Retirement

“Hey Mike, what's one mistake you see many people make when they approach retirement?” Discover why your 401(k) growth strategy may not be right for you when you retire. 

Text your questions to 913-36…

00:16:27  |   Mon 18 Aug 2025
Why You Should Assume Everything Affects Everything Else in Retirement

Why You Should Assume Everything Affects Everything Else in Retirement

“Hey Mike, is cash flow the most important part of retirement planning or am I missing something?” Discover how your cash flow planning affects your tax planning, Social Security optimization, health…

00:10:51  |   Fri 15 Aug 2025
Why It Is Hard to Sell Your Best Investments, Even When You Know You Should

Why It Is Hard to Sell Your Best Investments, Even When You Know You Should

“Hey Mike, I’ve got a great portfolio and don’t want to sell any of it. How do you build a retirement plan around a portfolio without selling anything?” Discover how to slowly adjust your portfolio a…

00:11:21  |   Thu 14 Aug 2025
How to Retire When Kids are Still Living at Home

How to Retire When Kids are Still Living at Home

“Hey Mike, how would you plan retirement if your kids still live at home?” Join Mike as he discusses a more common part of retirement planning; kids at home struggling to make it in the world on thei…

00:13:01  |   Wed 13 Aug 2025
“Hey Mike, when is someone ‘retirement ready’?”

“Hey Mike, when is someone ‘retirement ready’?”

“Hey Mike, when is someone ‘retirement ready’?”  Discover the non-financial side of retirement that could cause you to pause your retirement and rethink how you want your future to look.   

Text your …

00:09:25  |   Tue 12 Aug 2025
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