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.
- Update frequency
- every day
- Average duration
- 12 minutes
- Episodes
- 286
- Years Active
- 2024 - 2025
Why Even Flat-Fee Advisors May Have Conflicts of Interest
“Hey Mike, are flat-fee advisors more trustworthy than advisors who take a commission?” Discover the conflicts of interest associated with different types of advisors.
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Different Ways to Include Your HSA in Your Retirement Plan
“Hey Mike, how do you include HSA plans in a retirement plan?” Discover various retirement planning strategies that can include your HSA.
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When Target Date Funds May Make Sense (and When They Do Not)
“Hey Mike, should target date funds be a part of my portfolio?” Discover the ins and outs of how target date funds work and if they are right for you or not.
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Retirement Preparation Tips for Those Who May Not Consider Themselves Wealthy
“Hey Mike, do lower to middle income earners have a chance at retirement?” Discover various tips and tricks on how to prepare for and enjoy retirement if you are not a higher-income earner.
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Why Social Security Optimization and Tax Minimization is Changing
“Hey Mike, with Social Security taxes potentially going away, how does that affect Social Security optimization?” Discover how the new tax billing going through congress could cause retirees to adjus…
When to Sell Stocks That Have Lost Money (And When to Wait for them to recover).
“Hey Mike, I have some stocks that are down. Should I wait for them to recover, or should I just sell them and move on? Discover the nuance found when considering if you should sell a position at a l…
Tips on Researching Where to Move When You Retire
“Hey Mike, when I retire, I plan to move to a more affordable city. Any tips on what to look for and how to research this?” Discover various metrics to research and consider before you sell everythin…
Why Working With a CFP Should Not Be the Only Thing You Look For in an Advisor
“Hey Mike, what are the benefits of working with a CFP?” Discover the benefits of working with a CFP while acknowledging that each CFP may have different opinions on how to put your retirement plan t…
Why Bonds May Do Better Than Stocks in the Near Future
“Hey Mike, I heard the bonds are expected to do better than stocks over the next few years. How is that possible?” Discover the market risk known as the flat-market cycle and why it may make sense to…
What We Believe Every Retirement Income Strategy Needs
“What’s the best withdrawal strategy in retirement?” Discover the various ways to take income in retirement and why we believe there’s one key strategy that should be implemented in tandem with your …
When it May Be Appropriate to Take More Risk in Retirement With A Portion of Your Portfolio
“Hey Mike, how risky or aggressive can you be in retirement?” Discover how to design your portfolio to be ready for market crashes. When implemented correctly, it may allow you to take some of your a…
How the Ultra-Wealthy Minimize Their Tax Burdens and Why it May Not Make Sense For Your Situation
“Hey Mike, how do the rich avoid paying taxes?” Discover some strategies the ultra-wealthy use to pay less in taxes and the significant risks associated with those strategies.
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Why the Right Answer to Financial Questions is “It Depends”
“Hey Mike, why do financial advisors always seem to give the same answer, ‘It depends?’” Discover the nuance found within financial planning and why you should be cautious when you get general/oversi…
How to Set Your Individual Retirement Savings Goal (And What to do When You are Close)
“Hey Mike, how much do I need to save for retirement?” Discover a quick way to define your retirement savings goal and what to do once you start getting close to that goal.
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When it Makes Sense to Manage Your Own Money and When to Hire a Professional Money Manager
“Hey Mike, when does it make sense to work with a financial professional, and when does it make sense to manage your money on your own?” Discover the natural progression of learning how to invest on …
How to Address Inflation Risk in Retirement
“Hey Mike, how do you plan around inflation risk?” Discover the importance of growth within your retirement plan and the different ways you can grow your assets while also not keeping everything at r…
Discover the Origin Story of the Kedrec Reservoir Strategy
“Hey Mike, how did you come up with the reservoir strategy?” Discover the origin story that led to the creation of the Kedrec Reservoir Strategy.
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Why it is Important to Define the Benefits and Detriments of Any Investment or Product
“Hey Mike, what are some questions people should ask about retirement planning but don’t?” Discover various blind spots retirees and near-retirees have and why we need to stop having such strong opin…
How to Prepare to Retire on Time, Based on Your Age and Goals
“Hey Mike, when should you create your retirement plan?” Discover what you could be doing during each decade of your life to prepare for retirement, from your 20s until your 70s.
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AI Stocks, Bubbles, and Creative Destruction
“Hey Mike, Should I sell my Nvidia stock?” Join Mike has he discusses the potential risks of buying and holding stocks with more risk to creative destruction.
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