Erin Talks Money | Erin Moriarity

Erin Talks Money | Erin Moriarity
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I'm Erin Moriarity and welcome to Erin Talks Money. 😊Let's talk all things finance. Money, investing, wealth building, with an extra emphasis on retirement related subjects (and social security). Because the more you understand personal finance, the better life you can live.Please note that this channel does not provide financial advice, videos are made for entertainment purposes only.New Videos every week.Please note that I DO NOT have accounts on X (formerly Twitter) or Facebook and I will NEVER reach out to you through WhatsApp. Please stay vigilant and be aware of imposter accounts.Links:Root Financial: https://learn.rootfinancial.com/erin Unofficial fan audio feed — not affiliated with or endorsed by the original creator. All content belongs to its respective owner.

  1. 9h ago

    Retiring Single: Is $500,000 Enough?

    Chapter helps you compare every Medicare Advantage, Medicare Supplement, and Part D plan for free, with support before and after enrollment. Call 510-961-3329 or visit chapter.com/erinFeeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinHow much money do you really need to retire?The answer may surprise you.Most retirement advice focuses on reaching a magic number, such as $1 million, $2 million, or even more. But that is often the wrong way to think about retirement planning.In this video, we’ll compare a single retiree, a married couple with two earners, and a married couple with one primary earner to show how Social Security benefits, retirement spending, and your retirement income gap determine how much you actually need to save.We’ll cover:• How much money you need to retire based on your spending• Why Social Security changes your retirement number• Single vs. married retirement planning• Retirement planning for couples vs. single retirees• The 4% rule vs. higher and lower withdrawal strategies• Safe withdrawal rates in retirement• Retirement income planning• Retirement portfolio size• Survivor Social Security benefits• Retirement planning mistakes• Why the retirement number you have been told may be wrongInstead of asking, “How much do I need to retire?”, this video shows you how to calculate your own retirement income gap using your expected Social Security benefits, retirement expenses, and portfolio withdrawals.Whether you are planning to retire at 55, 60, 62, 65, or later, this framework can help you build a retirement plan based on your own numbers instead of generic rules of thumb.If you are searching for information on retirement planning, retirement income, Social Security, retirement withdrawal strategies, retirement savings, retirement calculator results, retirement spending, or how much money you need to retire, this video walks through the math step by step.00:00 - Intro01:09 - Building Wealth Alone03:08 - Building Wealth Together04:29 - When the Paychecks Stop05:51 - Why the Gap Lines Up07:22 - The Household That Breaks the Pattern08:49 - The Risks That Live Outside the Spreadsheet08:58 - Singles Risk09:33 - Married Risk12:26 - The Upsides Worth Remembering15:49 - BloopersChapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.Erin Moriarity has a financial relationship with Chapter and may receivecompensation if you use this affiliate link. Chapter is not affiliated with Root Financial Partners, LLC.Connect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment Learn more about your ad choices. Visit megaphone.fm/adchoices

    Retiring Single: Is $500,000 Enough?

  2. 17h ago

    What Net Worth Puts You in America’s Top 10%, 5%, and 1%?

    Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinHow much income does it take to be rich in America in 2026?Is a $100,000 household income middle class? Does $300,000 put you in the top 10%? And what net worth do you need to reach the top 5% or top 1%?In this video, I walk through the latest U.S. household income percentiles and Census net worth data.We’ll look at the income needed to reach the top 50%, top 25%, top 10%, top 5%, and top 1% of American households.Then, we’ll compare those numbers with wealth percentiles and see how much the picture changes when you exclude equity in your primary home.We’ll also talk about why a high income doesn’t always lead to a high net worth, how lifestyle creep can affect your retirement plans, and practical ways to turn more of what you earn into savings, investments, and financial flexibility.Topics covered include household income by percentile in 2026, average vs. median household net worth, top 10% and top 1% income thresholds, net worth excluding home equity, saving at a high income, lifestyle inflation, and how to measure whether you’re financially ready for retirement.Income figures reflect 2025 earnings released in 2026, while wealth figures reflect net worth at the end of 2024.Rankings are for U.S. households, not individual salaries.00:00 - Intro01:46 - The Income Ladder05:24 - The Wealth Ladder09:31 - The Paycheck Is an Opportunity11:30 - Four Ways to Think About It11:34 - 1. Measure What You Actually Convert12:56 - 2. Decide What Happens to the Next Raise Before It Arrives14:35 - 3. Watch the Bills That Come Back Every Month16:04 - 4. Define Wealth by What It Lets You Do19:32 - BloopersConnect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements. Learn more about your ad choices. Visit megaphone.fm/adchoices

    What Net Worth Puts You in America’s Top 10%, 5%, and 1%?

  3. 1d ago

    I Built 3 “Perfect” Retirement Plans. They Completely Disagree.

    Chapter helps you compare every Medicare Advantage, Medicare Supplement, and Part D plan for free, with support before and after enrollment. Call 510-961-3329 or visit chapter.com/erinFeeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinWhat does the “perfect” retirement plan actually look like? In this comprehensive retirement-planning case study, three planners receive the same hypothetical retired couple—with $1.75 million invested, a $250,000 mortgage, Social Security benefits, a pension decision, multiple retirement accounts, and an inheritance goal—but create three completely different financial plans.One strategy maximizes expected retirement wealth. Another prioritizes guaranteed income and the lowest probability of running out of money. The third focuses on liquidity, flexibility, tax diversification, and leaving an inheritance.We compare whether this couple should pay off their mortgage or invest, choose a pension lump sum or lifetime payments, delay Social Security until 70, complete Roth conversions before required minimum distributions, and hold more stocks, bonds, or cash in retirement.Then we stress-test all three retirement strategies against early death, extreme longevity, widowhood, sequence-of-returns risk, a stock-market crash, inflation, long-term-care expenses, higher taxes for a surviving spouse, and unexpectedly strong investment returns.Which plan creates the most wealth? Which provides the highest guaranteed lifetime income? Which offers the greatest protection against running out of money? And which preserves the most flexibility and inheritance?00:00 - Intro01:51 - Meet Mark and Susan05:57 - Plan One: Maximize Expected Wealth10:00 - Plan Two: Maximize Security13:47 - Plan Three: Maximize Flexibility and Legacy17:32 - The Three Plans Side by Side18:06 - Stress Test One: They Both Die Young19:28 - Stress Test Two: Mark Dies First and Susan Lives for Decades22:00 - Stress Test Three: Extreme Longevity23:38 - Stress Test Four: The Market Falls Immediately25:50 - Stress Test Five: Susan Needs Long-Term Care27:16 - Stress Test Six: Markets Are Wonderful28:32 - The Scoreboard30:20 - What Should Mark and Susan Actually Do?32:43 - Closing33:46 - BloopersChapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.Erin Moriarity has a financial relationship with Chapter and may receivecompensation if you use this affiliate link. Chapter is not affiliated with Root Financial Partners, LLC.Connect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intend Learn more about your ad choices. Visit megaphone.fm/adchoices

    I Built 3 “Perfect” Retirement Plans. They Completely Disagree.

  4. 1d ago

    Congress Just Passed a Social Security Bill—What It Means for You

    Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinWhat does the Claiming Age Clarity Act mean for your Social Security benefits?Congress has passed a bill that would change how Social Security describes claiming ages, but would leave benefit calculations and claiming rules unchanged.In this video, we explain why full retirement age doesn’t mean your maximum monthly benefit, what the proposed labels—minimum, standard, and maximum monthly benefit age—would mean, and how claiming Social Security at 62, 67, or 70 affects your retirement income.Using a $2,000 monthly benefit at age 67, we compare the payments available at each age and discuss the tradeoffs of delaying Social Security.We also explore research on how financial language influences retirement decisions, with perspective from Jason Fichtner.When should you claim Social Security?The answer depends on your income needs, health, retirement savings, and potential survivor benefits for your spouse.Whether you’re planning early retirement, evaluating a Social Security claiming strategy, or coordinating benefits with retirement withdrawals, this video helps you understand your options before making a lasting decision.Congressional passage is a legislative milestone. Presidential approval and implementation are separate steps. Check the recording-date update in this video for the bill’s status.00:00 - Intro03:10 - What Does “Full” Mean?04:14 - What Congress Approved05:28 - Same Rules, Clearer Choices06:29 - Does Changing a Few Words Actually Matter?08:21 - Jason’s Perspective11:48 - Biggest Check vs. Best Decision12:48 - Sponsor13:04 - Outro14:25 - BloopersConnect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements. Learn more about your ad choices. Visit megaphone.fm/adchoices

    Congress Just Passed a Social Security Bill—What It Means for You

  5. 1d ago

    A Great Company Can Be a Terrible Investment—Here’s Why

    Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinWhy can a great company be a terrible investment? And how can you avoid investing mistakes that put your retirement savings at risk? London Business School finance professor Alex Edmans joins Erin Talks Money to explain how stock valuations, emotional investing, and market hype influence what you actually earn.We explore why smart investors sell winning stocks too early, hold onto losing stocks, and chase investments after prices have already soared. From AI stocks and speculative bubbles to the temptation to time the stock market, Alex explains why knowing a company is successful doesn’t mean its stock is worth buying at any price.In this conversation, you’ll learn:• Why a good company isn’t always a good stock investment• How price-to-earnings ratios help you evaluate stock valuations• Why investors lose money through overconfidence, panic selling, and fear of missing out• Why a finance professor rarely buys individual stocks—and the case for diversified index funds• How investment fees and frequent portfolio checking can undermine long-term investing• What retirees should consider about stock market risk, retirement income, and annuitiesWhether you’re building wealth, approaching retirement, or managing investments in retirement, this discussion offers practical ways to recognize emotional decisions, question investment predictions, and focus on a long-term investment strategy.Alex also shares insights from his book, Madness of Markets: Why Smart Investors Make Crazy Decisions—and How to Exploit Them.Connect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements. Learn more about your ad choices. Visit megaphone.fm/adchoices

    A Great Company Can Be a Terrible Investment—Here’s Why

  6. 2d ago

    Fidelity Says You’ll Need $185,500 for Healthcare in Retirement

    Chapter helps you compare every Medicare Advantage, Medicare Supplement, and Part D plan for free, with support before and after enrollment. Call 510-961-3329 or visit chapter.com/erinFeeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinFidelity says a 65-year-old retiring in 2026 may need $185,500 for health care in retirement. Do you really need that much saved before you retire? In this video, we break down what Fidelity’s retirement health care estimate includes, what it leaves out, and why a large lifetime number can feel more alarming than the bills you actually pay month by month.We compare Original Medicare with Medigap Plan G and Part D against Medicare Advantage, including 2026 Medicare premiums, deductibles, copays, prescription drug costs and out-of-pocket limits. You’ll see how a low-cost year and an expensive year can look different under each option, and why a zero-premium Medicare Advantage plan isn’t necessarily a zero-cost plan.We also look at how much of retirees’ budgets goes toward health care, compare lifetime medical spending with everyday costs like food and housing, and discuss how to plan for long-term care costs that Fidelity’s estimate does not include.If you’re asking “How much should I save for health care in retirement?” or “Is Medicare Advantage or Medigap cheaper for me?”, this video will help you replace a frightening headline with a practical retirement health care budget.00:00 - Fidelity Says You’ll Need $185,500 for Healthcare 01:12 - What Fidelity’s $185,500 Estimate Actually Includes 03:02 - Medicare Advantage vs. Medigap: What’s the Difference? 06:33 - What Healthcare Could Actually Cost You Each Year 08:18 - How Much Should You Really Save for Healthcare? 09:42 - Why $185,500 Sounds Scarier Than It Is 11:50 - How Much of Retirees’ Budgets Goes to Healthcare? 14:08 - The Healthcare Costs You Actually Need to Plan For 15:23 - How I Would Actually Plan for Healthcare in Retirement 18:47 - Bloopers Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.Erin Moriarity has a financial relationship with Chapter and may receivecompensation if you use this affiliate link. Chapter is not affiliated with Root Financial Partners, LLC.Connect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or leg Learn more about your ad choices. Visit megaphone.fm/adchoices

    Fidelity Says You’ll Need $185,500 for Healthcare in Retirement

  7. 2d ago

    $2 Million Should Be Enough to Retire. Right?

    Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinHow long will $2 million last in retirement? Could you retire early with $2 million—or could you still run out of money?In this video, we follow three retirement scenarios that begin with the same $2 million. A single retiree stops working at 55, lives in a high-cost-of-living area, and draws heavily from her portfolio. A married couple retires at 67 with Social Security covering a substantial share of their expenses. A third retiree uses part of her savings to purchase an immediate annuity and create a more predictable income stream.We break down each household’s essential and discretionary expenses, Social Security income, annual portfolio withdrawals, and inflation-adjusted balances. You’ll see how spending cuts can extend a portfolio’s life, what happens to a couple’s plan when one spouse dies, and why a fixed annuity payment loses purchasing power over time.If you’re wondering whether $2 million is enough to retire, the answer depends on when you retire, how much you spend, what other income you receive, and how willing you are to adjust. These are simplified illustrations with assumed returns, not predictions of anyone’s retirement.00:00 - Intro01:00 - Let’s Talk About the Examples02:11 - Example One: She Retires Early and Keeps an Expensive Lifestyle05:25 - Her Flexible Spending Rule07:37 - Example Two: A Couple Retires at a Traditional Age12:00 - Example Three: A Retiree Creates Predictable Income16:55 - What These Examples Do and Don’t Tell Us20:43 - BloopersConnect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate and should not be considered testimonials or endorsements. Learn more about your ad choices. Visit megaphone.fm/adchoices

    $2 Million Should Be Enough to Retire. Right?

  8. 2d ago

    Is the 4% Rule Failing? Its Creator Responds

    Feeling unsure about your financial future? My team at Root Financial can help: https://learn.rootfinancial.com/erinIs the 4% rule still safe for retirement?A recent Wall Street Journal article reported an 81.5% success rate in its retirement withdrawal simulations. But how does its model compare with Bill Bengen’s original research and the updated 4.7% withdrawal rate explored in his 2025 book, A Richer Retirement?In this video, we compare all three approaches, examining how portfolio allocation, inflation, investment returns, withdrawal timing, and advisory fees affect how long your retirement savings may last.The WSJ model gradually reduces stocks from 50% at age 65 to zero at age 95.We explain why that differs from Bengen’s portfolios, what historical backtesting and Monte Carlo simulations actually tell us, and why their success rates aren’t directly interchangeable.We cover:• How the 4% rule works with inflation-adjusted retirement withdrawals • Bill Bengen’s original stock-and-bond portfolio and updated seven-asset portfolio • The late-1960s retirement starts that faced bear markets and high inflation • Sequence-of-returns risk and the danger of withdrawing during market declines • How a 1% advisory fee affects the article’s simulated retirement outcomes • Flexible withdrawal strategies and retirement spending guardrails How much can you safely withdraw from a $1 million retirement portfolio? Can you spend more than 4%? And how do you avoid running out of money without spending retirement afraid to enjoy it?The answers depend on the plan behind the percentage.00:00 - Intro: The WSJ Questioned the 4% Rule, So I Called Its Creator 01:22 - Why Calling It “the 4% Rule” Is Misleading 02:51 - Same Withdrawal Formula, Different Retirement Plans 04:15 - The Original 4% Rule: Built to Survive the Worst 05:36 - Bill Bengen Interview: What Actually Set the 4% Limit 07:47 - Sequence-of-Returns Risk: Rising Withdrawals, Falling Portfolio 08:51 - From 4% to 4.7%: What Changed in Bengen’s Research 12:15 - The WSJ Portfolio: Why Cutting Stocks to Zero Hurts Retirement 15:37 - History vs. Simulation: What Success Rates Really Mean 18:54 - The 6% Inflation Stress Test: Why 14.6% Isn’t What It Seems 20:25 - The Bad Times Were Already Part of the Test 21:18 - Withdrawal Timing, Bond Details, and What “Success” Means 23:38 - More Stress Tests: Bad Decades, All-Bond Portfolios, and a 1% Fee 24:07 - Three Models Side by Side: What Actually Changed 25:25 - What This Means for Your Retirement Spending 26:01 - Flexible Withdrawals and Guardrails: Spending Without Fear 27:15 - Bill’s Advice: What to Check Before Cutting Your Spending 28:38 - Final Thoughts: Is the 4% Rule Still Safe? 29:27 - BloopersConnect with me on LinkedIn for charts and daily retirement insights: https://www.linkedin.com/in/erintalksmoney/Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofJoin the family and subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoneyThanks for watching, I appreciate you!Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship with Root Financial. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve ri Learn more about your ad choices. Visit megaphone.fm/adchoices

    Is the 4% Rule Failing? Its Creator Responds
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About

I'm Erin Moriarity and welcome to Erin Talks Money. 😊Let's talk all things finance. Money, investing, wealth building, with an extra emphasis on retirement related subjects (and social security). Because the more you understand personal finance, the better life you can live.Please note that this channel does not provide financial advice, videos are made for entertainment purposes only.New Videos every week.Please note that I DO NOT have accounts on X (formerly Twitter) or Facebook and I will NEVER reach out to you through WhatsApp. Please stay vigilant and be aware of imposter accounts.Links:Root Financial: https://learn.rootfinancial.com/erin Unofficial fan audio feed — not affiliated with or endorsed by the original creator. All content belongs to its respective owner.

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