Income Over Wealth

Dan Wilson
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Practical retirement income strategies from Dan Wilson, an Air Force veteran with over 100 real estate deals. The audio edition of the Retire Early with Dan Wilson YouTube channel: Social Security, taxes, withdrawal strategy, and turning what you've saved into steady income you can retire on. New episodes every Tuesday and Saturday.

  1. 2d ago

    The Portfolio Size Where Dividends Cover Your Bills

    Living off dividends sounds simple until you work out the savings it takes to pull off. This episode runs both numbers at today's yields, the bigger one for the years before Social Security starts and the smaller one after, then looks at what dividend investing has actually delivered. That includes what the major dividend funds returned over the last ten years, what the 8% and 12% funds are doing under the hood, and the tax break that comes with a catch. Why a couple can need $400,000 less than a single person with identical billsWhat every major dividend ETF returned over the last decade against a plain index fundHow to test any high-yield fund in two minutes, and what one filing showed about where 36% of a fund's payout came fromTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=xP2OM0SDFU8 This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  2. 6d ago

    The 8 Real Retirement Income Streams (Your 401k Isn't One)

    Your 401(k) balance isn't income. Pulling money out of it means selling an asset, and that hurts most when the market is down. This episode sorts through what actually pays your bills after the paycheck stops, from Social Security and dividends to bonds, rentals, and private notes, then asks you to count how many real streams you have right now. Why a withdrawal from a 401(k) or IRA is a sale, not income, and when that timing hurtsHow a married couple can collect around $99,000 in dividends and long-term gains at 0% federal tax in 2026The eight streams sorted by whether they pay you without selling or working, and which one to build nextTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=Y1GV_LiyK80 This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  3. Aug 15

    The Surprise Bill That Hits Two Years After You Sell Your House

    Medicare sets your premium from the tax return you filed two years earlier, so the taxable profit on a home sale can follow you into your first year of coverage. That makes 63 the year that decides your premium at 65, while a sale at 62 lands on a year Medicare never charges you for. This episode covers who actually gets caught, what the surcharge costs in 2026, and what to do before you sell. The $250,000 and $500,000 home sale exclusion, and why a cap frozen since 1997 now catches ordinary long-time ownersWhat the surcharge costs at each 2026 tier, and the two-year window that protects a surviving spouseWhy the SSA-44 appeal will not work for a home saleTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=uDBP5XD6Po8 This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  4. Aug 11

    After 60, Never Share These 6 Things With Your Adult Children

    Most of the money taken from Americans over 60 is taken by someone they already know. That changes what money boundaries with your own family are actually for. This episode walks through six specific things worth keeping to yourself after 60, the mechanism behind why each one backfires, and what to do instead in every case. The point is keeping your retirement under your own control so you can help your kids from a position of strength. Why adding your child's name to your bank account exposes that money to their creditors and their divorce, and how it can cut your other kids outWhat long-term care actually runs per year, and how a few years of it can erase an inheritance you already promised out loudThe line between telling your kids a plan exists and showing them what's in it, and why announcing the split early invites the exact fight you're trying to preventTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=URH6jRBXhFg This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  5. Aug 8

    Why So Many People Die Right After They Retire

    The idea that retirement starts a clock is one of the most repeated fears people carry into it. The studies built to test that idea find no spike in death risk on the day you retire, and the first year looks closer to a honeymoon. What the research does point to is a slower danger, and it shows up for people who leave a job for an empty calendar. Where the famous "retire at 65, dead by 66" statistic actually comes from, and why the scary version sticks in your head anywayThe habits that keep you out of that group, including volunteering, phasing out of work, and having a retire-to planThe first-year trap, and why the risk builds after the honeymoon endsTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=VRlZgX0OKQA This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  6. Aug 5

    How Private Mortgage Notes Work

    If you've ever paid a mortgage, you already understand half of this. Someone on the other end held a piece of paper and got paid every month, with the house standing behind it. This episode walks through how that works when the person holding the paper is an individual instead of a bank, and how to evaluate a note deal yourself before a dollar moves. The two documents behind every note, and why the recorded one decides who gets paid firstWhat happens when a borrower stops paying, and why the same default takes five months in one state and over five years in anotherTen questions to run on any note deal, plus the scam pattern that should end a conversation on arrivalTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=S0DFg8f--Fo This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  7. Aug 1

    7 Things Wealthy Retirees Refuse to Buy (But Poor Ones Do)

    The purchases that drain a retirement plan are rarely the obvious splurges. This episode walks through seven of them, from the oversized house and the new luxury car to the vacation home, the timeshare, and the remodel right before you retire. You get the real math on each one, plus the honest exceptions worth making. Why the biggest house the bank approves is built for the bank's interest, and the smarter number to buy atThe true weekly cost of a vacation home you use only a few weeks a year, and when renting is the better dealThe one question that decides whether a purchase pays you or costs you for the rest of your lifeTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=C7xJ5Dp4CjU This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

  8. Jul 28

    Losing Your Job at 60 Can Actually Make You Richer

    Losing a job before retirement can leave you better off than walking away on your own terms. Severance and unemployment only show up when the company ends it, and a single line on your exit paperwork decides whether you collect either one. This episode covers what that paperwork has to say, what to keep quiet about while the package is still in play, and how to turn a funded runway into a bigger retirement. The difference between fired, laid off, and quitting, and what it does to your severance and unemploymentWhy claiming Social Security the month you lose your job can cut your check about 30% for lifeHow a year without a paycheck lets you move traditional savings into a Roth at a fraction of the tax you paid while workingTake the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map Watch this episode on YouTube: https://www.youtube.com/watch?v=ebcET1G2gFk This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

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About

Practical retirement income strategies from Dan Wilson, an Air Force veteran with over 100 real estate deals. The audio edition of the Retire Early with Dan Wilson YouTube channel: Social Security, taxes, withdrawal strategy, and turning what you've saved into steady income you can retire on. New episodes every Tuesday and Saturday.

Information

  • Creator
    Dan Wilson
  • Years Active
    2026
  • Episodes
    18
  • Rating
    Clean
  • Copyright
    © 2026 Dan Wilson
  • Show Website
    Income Over Wealth