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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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There’s No Such Thing as a Riskless Retirement

There’s No Such Thing as a Riskless Retirement

“Hey Mike, what causes people to go broke in retirement?” Discover some retirement risks you may not know exist. There’s no such thing as a riskless retirement. Join Mike as he shares different ways …

00:21:19  |   Mon 11 Aug 2025
What Are Buffered ETFs and Are They Right for You?

What Are Buffered ETFs and Are They Right for You?

“Hey Mike, tell me more about buffered ETFs?” Discover some of the benefits or detriments associated with Buffered ETFs. Please note, there are many types of Buffered ETFs. Do you research to determi…

00:04:16  |   Fri 08 Aug 2025
How Much Should You Plan on Spending in Retirement?

How Much Should You Plan on Spending in Retirement?

“How do you figure out your cash flow in retirement?" Discover why you should not assume that you’ll spend the same amount of money each month in retirement as you spent when you were working. It may…

00:08:06  |   Thu 07 Aug 2025
Are Deductions Still Worth It?

Are Deductions Still Worth It?

“Hey Mike, people always talk about deducting their expenses. Is it really worth it and what counts for a deduction?” Discover the reality of deductions, your tax returns, and how you may want to app…

00:07:39  |   Wed 06 Aug 2025
The Risks You Have When You DIY Your Retirement Management

The Risks You Have When You DIY Your Retirement Management

“Hey Mike, can you set realistic expectations for someone who gets a plan and then manages it on their own?”

Text your questions to 913-363-1234.   
 

Request Your Wealth Analysis by going to www.retire…

00:16:38  |   Tue 05 Aug 2025
Flat-Market Warning Signs You Need to Know

Flat-Market Warning Signs You Need to Know

“Hey Mike, I know you can’t predict the market, but could you give a general market update?”  Discover why today is very similar to 1998 and why Mike believes there could be a flat market cycle in th…

00:21:30  |   Mon 04 Aug 2025
How to Approach Your Portfolio in Retirement, Even When Markets Crash

How to Approach Your Portfolio in Retirement, Even When Markets Crash

"Hey Mike, I’m getting tired of watching the markets each day. I can’t get past the fear of another market crash. Any tips?” Discover a new way to consider your investments and portfolio. There’s a g…

00:17:04  |   Fri 01 Aug 2025
How to Sell Your Investment Real Estate Before Retirement

How to Sell Your Investment Real Estate Before Retirement

“Hey Mike, how do you determine if it makes sense to sell your rental property and pay the tax or do a 1031 exchange into something else?” Discover strategies that can help you avoid paying capital g…

00:14:23  |   Thu 31 Jul 2025
Why You May Not Need a Death Benefit in Retirement

Why You May Not Need a Death Benefit in Retirement

“Hey Mike, I have a list insurance policy but don’t feel I need the death benefit anymore. What should I do?” Discover why it may not make sense to maintain your life insurance policy in retirement. …

00:13:08  |   Wed 30 Jul 2025
Why You Need to Pay Attention to Your MAGI in Retirement

Why You Need to Pay Attention to Your MAGI in Retirement

“Hey Mike, a lot of the Big Beautiful Bill tax changes revolve around the MAGI. What is it and what do we do about it?” Discover what is the Modified Adjusted Gross Income and why that matters when i…

00:15:12  |   Tue 29 Jul 2025
How to Figure Out Your Cash Flow Amount in Retirement

How to Figure Out Your Cash Flow Amount in Retirement

"Hey Mike. I'm having a hard time getting started with my retirement plan. Where should I start?" Discover how to design your lifestyle in retirement so that you can determine how much it could cost …

00:08:38  |   Fri 25 Jul 2025
Different Living Situations for Retirees

Different Living Situations for Retirees

"Hey Mike. We are looking for a retirement community to enjoy. What are the differences between buy-in communities, co-ops, and other options?” Discover the differences between living at home, living…

00:12:50  |   Thu 24 Jul 2025
Why You May Not Want to “Plan and Invest Like the Rich.

Why You May Not Want to “Plan and Invest Like the Rich."

Hey, Mike. I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs? Discover the trap set by trying to plan and invest like some…

00:11:43  |   Wed 23 Jul 2025
Why You May Not Want to Convert All Your Money to Roth

Why You May Not Want to Convert All Your Money to Roth

“Hey Mike, I'm 60 years old with 1,200,000.0 in a traditional IRA. Should I convert 120,000 each year so I don't have to worry about RMDs?” Discover the problem with aggressive IRA to Roth conversion…

00:10:14  |   Tue 22 Jul 2025
How Social Security Taxes Have Changed

How Social Security Taxes Have Changed

“Hey, Mike. I heard that Social Security is now tax free. Is that true?” Discover changes to the tax code and how you can potentially use it to your advantage. 


Text your questions to 913-363-1234.   

00:12:20  |   Mon 21 Jul 2025
Different Ways to Get Funds into Roth or Other Tax-Free Accounts

Different Ways to Get Funds into Roth or Other Tax-Free Accounts

“Hey Mike, what’s the best way to get funds into a Roth IRA?”   

Text your questions to 913-363-1234.   
 

Request Your Wealth Analysis by going to www.retireontime.com 

00:13:07  |   Fri 18 Jul 2025
Benefits and Detriments with “Fixed-Income” (Income from Bonds)

Benefits and Detriments with “Fixed-Income” (Income from Bonds)

"Hey Mike, I plan on living off of income from my bond portfolio. What's the risk with this income strategy and how do you plan around it?”  Discover when it makes sense to use bonds as an income sou…

00:07:11  |   Thu 17 Jul 2025
Why the Market, Politics, and Other Concerns Should Not Delay Your Retirement

Why the Market, Politics, and Other Concerns Should Not Delay Your Retirement

“Hey Mike, with all that is going on, is now still a good time to retire?” Discover how to build your plan so you can retire when it makes sense for you, regardless of what is going on elsewhere. 

Tex…

00:09:00  |   Wed 16 Jul 2025
The Problem with Filing for Social Security Early with the Intention of Investing Your Benefits

The Problem with Filing for Social Security Early with the Intention of Investing Your Benefits

“Hey Mike, when does it make sense to file for Social Security early so you can take the benefits and reinvest them?” Discover when it may make more sense to delay your benefits. 

Text your questions …

00:11:34  |   Tue 15 Jul 2025
Why More Risk Doesn’t Necessarily Mean More Reward

Why More Risk Doesn’t Necessarily Mean More Reward

“Hey Mike, I am comfortable taking risks, even in retirement. For people like me, what type of portfolio would you recommend.” Discover why taking more risks may actually hurt you in the long-term an…

00:15:04  |   Mon 14 Jul 2025
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