185 episodes

Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.

“Fun With Annuities” The Annuity Man Podcast The Annuity Man

    • Business
    • 4.5 • 31 Ratings

Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.

    Hire An Advisor That Grew Up Poor: Shootin' It Straight With Stan

    Hire An Advisor That Grew Up Poor: Shootin' It Straight With Stan

    In this episode, The Annuity Man discussed: 
    People who grew up poor see money differently The difference is in the perspective  Checking the background of your advisor  Your retirement is not a game   
    Key Takeaways: 
    People who experience poverty see money differently and often have a healthy respect for it. It would hurt them personally to see money lost, even when it’s another person.  A person who grew up rich isn’t necessarily going to be a bad financial advisor. However, there is a huge difference in perspective. People who grew up poor don’t see money as replaceable. Your money should be a big deal for your advisor as it is for you.  Don’t be afraid to ask questions about your advisor’s background. It’s your money, not theirs, so you’ve got to ensure that the right people will steward your money.  Do not let people treat your money and retirement like a game. Have them treat it personally, own it, and feel horrific if something bad goes wrong with your money.   
    "Financial advice is not a game. The markets are not a game. Your retirement is not a game. Your lifestyle is not a game. Do not let people treat it like a game." —  Stan The Annuity Man. 
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 11 min
    Terry Savage: The Savage Financial Truth in 2023

    Terry Savage: The Savage Financial Truth in 2023

    In this episode, The Annuity Man and Terry Savage discuss: 
    The national debt will not default  Speculating on bitcoin  Inflation, debt, and layoffs  An annuity is not an investment  
    Key Takeaways: 
    Stop panicking. The national debt will not default. Think rationally about this instead of listening to bad opinions on television. There’s no financial strategy for the end of the world, so it’s not really worth thinking about. Live your life.  If you want to be a speculator, you might as well speculate on soybean futures or go to a casino and find your game of choice. A lot of people get burned by betting on bitcoin. Invest legitimately and rationally.  When there are huge layoffs, two things happen. First, companies discover how they can do things more efficiently. Second, those laid off realize they can compete with the company that just fired them. That’s the beauty of capitalism. Do not make the mistake of thinking that an annuity is an investment. You’re going to be pitched the dream, don’t buy it because the contractual realities will hit you hard.   
    "Beware of debt. Show some responsibility. Talk to anyone you can around you." —  Terry Savage.
      
    Connect with Terry Savage:
    Website: https://www.terrysavage.com/ 
    YouTube: https://www.youtube.com/user/TerryTalksMoney 
    LinkedIn: https://www.linkedin.com/in/thesavagetruth/ 
    Twitter: https://twitter.com/Terrytalksmoney 
    Facebook: https://www.facebook.com/The-Savage-Truth-190870517609983/ 
    New Book Link: https://www.amazon.com/gp/product/1119645441/ref=pe_2313400_441222210_em_1p_0_lm
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 50 min
    3 Years In or 3 Years Out: Shootin' It Straight With Stan

    3 Years In or 3 Years Out: Shootin' It Straight With Stan

    In this episode, The Annuity Man discussed: 
    Locking in for three years and over  The top three safest money  When to go for CDs and treasuries   
    Key Takeaways: 
    Ask yourself how long you want to lock the money in for. MYGAs provide the highest contractual guarantee if it’s three years and over compared to CDs and treasuries.  The safest money out of all three would be treasuries, the second safest money is CDs, and the third safest would be MYGAs. Buy treasuries only from treasurydirect.gov.  If you’re going to lock in money for three years and in, the better option would be to go for CDs and treasuries because if it’s less than three years, MYGAs historically will not provide the highest contractual guarantee.   
    "Three years and in CDs and treasuries three years and out multi-year guarantee annuities." —  Stan The Annuity Man.
      
     
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 10 min
    Buy The Annuity Drink: Shootin' It Straight With Stan

    Buy The Annuity Drink: Shootin' It Straight With Stan

    In this episode, The Annuity Man discussed: 
    You can afford the drink  Stop making table lemonade Math is the medicine  Taking baby steps  
    Key Takeaways: 
    You can afford the drink so go ahead and buy it. Don’t let the scars of scarcity control your life’s decisions. Live your life.  Stop making table lemonade. Practices you’ve acquired while trying to survive scarcity are no longer necessary where you are now.  Take a rational accounting of how much you really have, and don’t base your spending decisions on what you feel. Math is the medicine that counteracts the scars of scarcity.  You’ve been generous to other people, but you have not been generous to yourself. Change your habits and realize you have enough money to live your life.   
    "We all have had friends that have died prematurely. It should be a real wake-up call for you to buy the drink and not make the table lemonade." —  Stan The Annuity Man. 
      
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 8 min
    Bob Carlson:  The Essential Guide to Retiring in 2023

    Bob Carlson:  The Essential Guide to Retiring in 2023

    In this episode, The Annuity Man and Bob Carlson discuss: 
    Changes in 401k and IRA provisions  Why you should spend time on income taxes Generating guaranteed lifetime income  Be prepared to adapt your plan   
    Key Takeaways: 
    The Secure Act 2.0 gives provisions that are designed to make employer retirement plans more available and to get more employees participating in the plans. The required minimum distribution’s beginning age has also been bumped to 75, and catch-up contributions are being increased for IRAs and 401ks.  People don’t spend enough time on their income taxes. People shouldn’t forget that not everyone pays lower taxes when they retire, some will be in the same bracket, and Congress avoids tax increases but has added provisions that, in effect, work like stealth taxes.  Accumulate as big of a balance as possible, then find a way to turn it into cash flow for your retirement phase. Generate guaranteed lifetime income through social security or employer pension, then start looking at putting money into SPIAs or MYGAs to generate that income gap.  Be prepared for change. Know that your retirement plan is not set in stone; it’s something that you have to review regularly. See where your assumptions are wrong, where you've changed, where the tax law and other things outside your purview have changed, and adapt your plan to that.   
    "Anticipate change, be prepared for it. Know that your retirement plan is not set in stone. It's not a roadmap; it’s something you have to review regularly. " —  Bob Carlson.
     
    Grab a copy of Bob Carlson’s, The Essential Guide To Retiring In the 2020s by clicking on this link: https://www.amazon.com/Retirement-Watch-Essential-Guide-Retiring/dp/1684513332 
     
    Connect with Bob Carlson: 
    Website: https://www.retirementwatch.com/ 
    Facebook: https://www.facebook.com/RWcommunity 
    Twitter: https://twitter.com/RetirementWatch 
    Most Recent Book: https://www.amazon.com/Wheres-My-Money-Secrets-Security-ebook/dp/B0853F3R7R  
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 45 min
    Scars of Scarcity: Shootin' It Straight With Stan

    Scars of Scarcity: Shootin' It Straight With Stan

    In this episode, The Annuity Man discussed: 
    The fear of running out of money Solving the fear of running out  Is FORO more important the FOMO?  Using math to address FORO   
     
    Key Takeaways: 
    Most of us didn’t grow rich. We saw what it was like to live in scarcity, and today, many of us still carry those scars. Despite having millions or a portion of that, some people might still feel poor and fear running out of money.  If you’re worried about running out of money or won’t have enough in your retirement, consider looking into strategies that provide guaranteed lifetime income.  The fear of running out is more important to address than the fear of missing out, especially for chapter two of your life. In addressing FORO with annuities, we’re solving for lifetime income or protecting the principal and peeling off the interest.  One more way to address FORO is to do some math and remove the emotionally-charged memories from the equation. Annuities are math; they’re not hypotheticals.   
     
    "The fear of running out can be solved with annuities in combination with the best annuity you have on the planet, which is Social Security and principal protection products and contractual guarantees. We can solve for the scars of scarcity." —  Stan The Annuity Man.
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator! 

    • 10 min

Customer Reviews

4.5 out of 5
31 Ratings

31 Ratings

BCMusicLover ,

Excellent, clear and very pertinent information

Stan the annuity man really gives a very clear and pertinent information and has wonderful guests that do the same. It’s the authentic and trustworthy discussions and explanations that make this a great podcast.

Marjorie@ASustainableMind ,

Binge This Podcast

This is by far the most well-presented and easy-to-understand financial show I've ever heard. Annuities have been a hot topic in my household lately but I am definitely a newbie. This show has helped me understand the benefits and manage my expectations. I'll definitely be diving in to annuities with my eyes wide open after this.

KBR Clan ,

Love the honesty!

I’m just getting into learning about annuities so this podcast has been super helpful and doesn’t feel like I’m sitting in some advanced college class trying to keep up, love it!

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