Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®
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A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

  1. 1 day ago

    Your Social Security Playbook: The Levers You Control

    Roger Whitney explains six levers that can influence Social Security benefits: reviewing your earnings record, choosing when to claim, managing retirement income, reconsidering an early claim, considering where you live, and coordinating spousal or survivor benefits. The episode emphasizes that the best claiming strategy depends on each person’s priorities, resources, and desired outcome. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PODCAST (00:00) Roger introduces the Social Security series and explains that this episode focuses on the factors individuals can control.PRACTICAL PLANNING SEGMENT (02:52) Roger walks through the six Social Security levers, including earnings history, claiming age, retirement income, application withdrawal, state taxation, and spousal coordination.LISTENER QUESTIONS (31:08) Planning for Social Security uncertainty: Roger responds to Turner, who asks how to model future benefits given uncertainty about possible changes to Social Security.(36:25) Coordinating benefits for spouses with different earnings: Roger examines whether a higher earner should delay benefits while the lower earner claims earlier.(45:27) Claiming benefits when retirement assets are growing: Roger discusses a listener’s decision to claim Social Security before age 70 because withdrawals from pre-tax accounts would otherwise be needed and how a spouse’s early claiming decision could affect future spousal and survivor benefits.SMART SPRINT (49:14) Review your retirement plan, identify the Social Security levers you control, and compare alternative claiming strategies with a “what-if” scenario.CLOSING THOUGHTS (50:15) Roger shares a personal story about his daughter and a listener’s positive experience with her work.REFERENCES Social Security Administration — Social Security Statement and earnings recordSocial Security Administration — Social Security Benefits CalculatorsDinkytown — Social Security Benefits Taxation CalculatorAARP — State Taxation Of Social Security BenefitsRock Retirement with Roger Whitney — YouTube channelSubmit a Question for RogerSign up for The Noodle

    Your Social Security Playbook: The Levers You Control

  2. 9 Sept

    Your Social Security Playbook: How Your Benefit is Calculated

    How is your Social Security benefit actually calculated? In this episode, Roger explains how you qualify for retirement benefits, how your earnings history determines your benefit, and why the age you claim matters. Understanding these basics will help you recognize the areas where you have agency as you build your Social Security claiming strategy. Roger also answers listener questions about survivor benefits, estimating taxes in retirement, and coordinating spousal benefits. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [00:00] Understanding the context behind your Social Security benefitPRACTICAL PLANNING: SOCIAL SECURITY PLAYBOOK [01:33] How you qualify for Social Security and how benefits are calculated[11:08] Reviewing your Social Security statement and understanding cost-of-living adjustments[15:30] Understanding your Social Security claiming age options LISTENER QUESTIONS [22:11] What Social Security resources are available for widows and widowers? [24:18] How to categorize income and expenses for tax planning[30:43] Can my husband switch from his own benefit to a spousal benefit?SMART SPRINT [33:39] Review your Social Security statementCLOSING THOUGHTS [34:40] Reconsidering the words “should,” “must,” and “need to” REFERENCES Social Security AdministrationOpen Social SecurityMaximize My Social SecurityDinkytown 1040 Tax CalculatorSubmit a Question for RogerSign up for The NoodleRock Retirement with Roger Whitney on YouTube: How to Read Your Social Security Statement

    Your Social Security Playbook: How Your Benefit is Calculated

  3. 2 Sept

    Your Social Security Playbook: How the System Works

    Social Security is one of the most important pieces of a retirement plan, but how does the system work, and will it remain financially viable for future retirees? Roger begins a five-week series on building your Social Security playbook by exploring the program’s history, funding structure, and current financial outlook. He also discusses potential paths to solvency, how he accounts for Social Security in retirement planning, and why building a resilient plan remains essential. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [00:00] Roger introduces a new five-week series designed to help you build your Social Security playbook.[01:37] The Retirement Answer Man YouTube channel is relaunching with weekly videos that complement the podcast.PRACTICAL PLANNING SEGMENT [02:35] Roger outlines the five-week Social Security series and explains what you need to understand to build your own playbook.[05:02] A brief history of Social Security provides context for how the program and its purpose have evolved.[08:18] Roger explains how today’s workers fund benefits for today’s retirees through payroll taxes.[11:58] Demographic changes and longer lifespans have caused benefit payments to exceed incoming payroll-tax revenue.[15:45] The 2026 Trustees Report projects what could happen in 2032 if Congress does not address Social Security’s funding shortfall.[21:50] Roger explores possible paths to solvency and explains how he accounts for Social Security when building a resilient retirement plan. LISTENER QUESTIONS [37:40] Will claiming a reduced benefit at age 62 also reduce a spouse’s future survivor benefit?[39:08] Should the decision to claim Social Security early account for the assets that can remain invested?[43:17] Is OpenSocialSecurity.com a useful tool for choosing a claiming strategy, and how can you respond to someone who wants to claim early because they fear Social Security will run out of money? SMART SPRINT [46:42] Claim your personal Social Security account at SSA.gov and consider contacting your federal representatives about addressing the program’s solvency.CLOSING THOUGHTS [48:28] A listener demonstrates how small, consistent efforts can compound into meaningful progress over time.[52:50] Allison reviews The Calamity Club by Kathryn Stockett, and Roger shares his current book recommendation. REFERENCES Social Security AdministrationOpen Social SecuritySubmit a Question for RogerSign up for The NoodleRetirement Answer Man on YouTubeThe Calamity Club by Kathryn StockettThe Way of Excellence by Brad Stulberg

    Your Social Security Playbook: How the System Works

  4. 26 Aug

    Summer Reruns: Learn What to Ignore with Dr. Daniel Crosby

    In this summer replay, Roger talks with Dr. Daniel Crosby about learning what to ignore in an age of information overload. They explore how to filter financial advice, align decisions with your values, and focus your attention on what truly matters to your finances and your life.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN [00:00] Roger introduces this summer replay with Dr. Daniel Crosby and talks about his upcoming Social Security series. SUMMER REPLAY WITH DR DANIEL CROSBY [02:21] Roger revisits his conversation with Dr. Daniel Crosby about filtering out the noise competing for our attention.[09:18] Daniel explains how our spending can reveal whether our choices truly align with our stated values.[14:03] Roger and Daniel share four questions that can help determine whether information deserves our attention. CLOSING THOUGHTS [31:46] Roger looks ahead to the upcoming five-week Social Security series.  REFERENCES The Soul of Wealth by Dr. Daniel CrosbyDeep Work by Cal NewportThe Rational Optimist by Matt RidleySubmit a Question for RogerSign up for The Noodle

    Summer Reruns: Learn What to Ignore with Dr. Daniel Crosby

  5. 19 Aug

    Summer Reruns: Gabbing with Gretchen Rubin- Your Personality and How it Plays into Your Retirement Planning

    This Summer Replay revisits Roger’s 2018 conversation with Gretchen Rubin about the Four Tendencies and how understanding your personality can help you create a retirement plan and daily life that truly fit who you are. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces this Summer Replay conversation with Gretchen Rubin about creating a retirement plan that fits your personality. SUMMER REPLAY: CONVERSATION WITH GRETCHEN RUBIN (01:32) Gretchen explains the Four Tendencies and how each responds to expectations.(08:25) Learn how working with your natural tendency can help you achieve your goals.(09:39) Discover how the Four Tendencies can shape your transition into retirement.(16:53) Understanding the tendencies of your spouse, family members, and coworkers can improve communication and reduce conflict.CLOSING THOUGHTS  (19:40) Roger shares his thoughts on relaunching YouTube in a way that fits him and the show. REFERENCES Take Gretchen Rubin’s Four Tendencies QuizThe Four Tendencies by Gretchen RubinSubmit a Question for RogerSign up for The Noodle

    Summer Reruns: Gabbing with Gretchen Rubin- Your Personality and How it Plays into Your Retirement Planning

  6. 12 Aug

    Summer Reruns: Keep Investments Simple with Peter Lazaroff

    As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies are not necessarily better, how added complexity can create unexpected risks, and why the money supporting your retirement should remain separate from any “play money” used to explore alternative investments.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:01) Roger introduces the benefits of simplifying your investments rather than continually adding new strategies. RERUN: KEEPING INVESTMENTS SIMPLE WITH PETER LAZAROFF (01:56) Roger and Peter discuss elegant simplicity, private investments, and why adding complexity to your portfolio may create more risk and work without meaningfully improving your retirement.(20:18) As private investments become more widely available, Peter shares a framework for deciding whether an investment truly belongs in your portfolio.(32:02) Roger and Peter discuss when added complexity may serve a purpose and why private investments should not be a core part of the strategy securing your retirement.CLOSING THOUGHTS (40:05) Roger connects elegant simplicity with the 80/20 rule and the theme of the upcoming Rock Retirement Club Roundup.REFERENCES Learn more about Peter LazaroffPre-Order Peter’s New Book: The Perfect Portfolio Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

    Summer Reruns: Keep Investments Simple with Peter Lazaroff

  7. 5 Aug

    Summer Reruns: Retiring Single with Tanya Nichols

    August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his discussion with Tanya Nichols on retiring single—a topic that remains just as relevant today. Together, they explore the unique planning considerations for single retirees, including building a trusted support network, preparing for future care, creating a personal board of directors, balancing flexibility with financial security, and thinking intentionally about legacy. Roger closes the episode by sharing why he's spending August slowing down, revisiting favorite books, and using writing to gain greater clarity and conviction. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger explains why August will feature encore episodes, shares his desire to slow down and reflect, and introduces this week's replay with Tanya Nichols on retiring single.RETIREMENT TOOLKIT FEATURING TANYA NICHOLS (02:18) Roger and Tanya discuss the unique planning considerations for single retirees, including future care planning, building a trusted support network, creating a personal board of directors, managing a household alone, balancing flexibility with financial security, and rethinking legacy.CLOSING THOUGHTs (22:47) Roger reflects on why he's spending August revisiting favorite books and encourages listeners to embrace writing and reflection as tools for reconnecting with their own convictions.REFERENCES Retire AgileThe Gospel of Wealth by Andrew Carnegie Mark Troutman's Money Mind Podcast Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

    Summer Reruns: Retiring Single with Tanya Nichols

  8. 29 Jul

    Retirement Toolkit: Never Worry About Money Again with Jesse Mecham

    What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentionality with money. Together, they explore how asking one simple question, "What is this money for?" can reduce financial stress, improve decision-making, and help align your spending with the life you want to create. Roger also answers listener questions on rebalancing retirement portfolios, qualified dividends, supporting adult children, calculating net worth, and whether financial planners have financial planners of their own. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces this week's conversation on intentionality with money, previews his interview with Jesse Mecham, and shares updates on the August replay schedule and upcoming Social Security series.RETIREMENT TOOLKIT FEATURING JESSE MECHAM (03:06) Roger sits down with Jesse Mecham, founder of YNAB, to discuss how approaching money with intention instead of restriction can reduce financial worry and help you align your spending with what matters most. LISTENER QUESTIONS (38:47) Christine asks about rebalancing her retirement portfolio.(43:00) Peter asks about qualified and ordinary dividends.(47:28) Paul asks about supporting adult children financially.(56:05) Ron asks whether future taxes should be considered when calculating net worth (58:38) Lisa wonders whether financial planners have financial planners of their own.SMART SPRINT (01:01:55) Reflect on how intentional you are with your money and consider reading Jesse Mecham's book, Never Worry About Money Again, to help align your spending with the life you want to create.CLOSING THOUGHT (01:03:23) Roger reflects on the summer goals he set earlier in the year and encourages you to revisit your own intentions before the season ends. REFERENCES Never Worry About Money Again by Jesse MechamYNAB (You Need A Budget)Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

    Retirement Toolkit: Never Worry About Money Again with Jesse Mecham
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About

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

Information

  • Creator
    Roger Whitney, CFP®, CIMA®, RMA, CPWA®
  • Years Active
    2014 - 2026
  • Episodes
    667
  • Rating
    Clean
  • Copyright
    © Roger Whitney, 2024
  • Show Website
    Retirement Answer Man

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