Leibel on FIRE

Leibel Sternbach, EA & Freddie Bell

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The Financial Independence and Retirement show dedicated to helping you build the life of your dreams, as fast as possible, with as little stress as possible

JUL 2

Annuities Exposed!

Thinking about buying an annuity? You might want to listen to this first. In this episode of Leibel on Fire, Leibel Sternbach breaks down the hidden fees and contractual traps buried inside most annuity products—including mortality and expense charges, administrative costs, surrender penalties, and the fine print behind those tempting guarantees. You’ll learn: - The difference between fixed, variable, and indexed annuities - What “mortality and expense” charges actually mean - How insurance companies ensure they make money—at your expense - The truth about investment riders and living benefits - What questions to ask before you buy an annuity - What you can do if you already own one Annuities aren’t inherently bad, but they’re not all created equal—and many retirees find out too late that they signed up for high fees, limited growth, and a lifetime of regret. Don’t be one of them. Schedule your free consultation with Leibel at: https://www.yields4u.com/pages/book

11 min
JUN 24

Social Security: Can You Rely On It?

Will Social Security Be There When You Retire? Here's What You Need to Know Is Social Security running out of money? Will it be there when you need it most? In this episode of Leibel on Fire, Leibel Sternbach breaks down the real story behind Social Security’s shaky future — and what retirees (and future retirees) need to do now to protect their financial future. Leibel explains the hidden flaws in the system, the political decisions that drained its reserves, and how demographic shifts could leave you with less than expected. Most importantly, he shares actionable steps you can take today to create a retirement plan that’s resilient, even if benefits are reduced. Whether you’re approaching retirement or already there, this episode will arm you with the insights and tools you need to safeguard your financial security.

16 min
JUN 10

5 Big Retirement Splurges That Can Wreck Your Financial Future

Are you dreaming of that boat, RV, or dream home in retirement? You’re not alone—and that’s exactly why so many retirees end up regretting these major purchases. In this episode of Leibel On Fire, financial planner Leibel Sternbach breaks down the five biggest retirement splurges that often backfire—and what to consider before making any large financial move in your golden years. We cover: - Why boats and RVs are rarely the "investments" we think they are - How emotional spending sabotages financial security - Why giving money to family can cause long-term stress - What to do if you've already made a bad purchase - How to tell the difference between real joy and financial delusion Don't let a short-term dream sink your long-term peace of mind. Listen now, then schedule your free consultation with Leibel to make a retirement plan that supports your dreams and your bank account. Book your consultation here: https://www.yields4u.com/pages/book

13 min
JUN 3

Look Poor. Retire Rich. The Retirement Tax Hack Nobody Talks About.

Can looking broke on paper actually help you retire wealthier? In this eye-opening episode of Leibel on Fire, Leibel Sternbach breaks down why appearing “poor” in retirement—at least in the eyes of the IRS—might be the smartest financial move you can make. Discover how strategic Roth conversions, smart withdrawal planning, and controlling your taxable income can unlock massive tax savings and protect your nest egg from getting eaten alive by required minimum distributions, IRMA charges, and surprise tax traps. Leibel also shares real-life strategies, including examples from billionaire Peter Thiel and savvy real estate investors, to show how you can pay less in taxes and retire with more. Want a personalized retirement tax analysis? Schedule a free consultation today: https://www.yields4u.com/pages/book Topics Covered: - How to “look poor” on your tax return while staying rich in retirement - The hidden tax time bombs: RMDs, Medicare premiums, and Social Security - Roth conversions vs. traditional withdrawals - Using real estate and business strategies for tax efficiency - Why your emergency fund could be costing you more than you think Don't miss this one—your future self will thank you.

14 min
MAY 30

High-Yield EFTs - Too Good to be True?

Can you really earn 20%, 50%, or even 100% income from high-yield ETFs like JEPI, SCHD, and YieldMax? In this episode of Leibel on Fire, Leibel Sternbach breaks down the rise of synthetic income ETFs and reveals what investors must understand before diving in. We explore: - The difference between dividend ETFs like SCHD and covered call ETFs like JEPI. - Why YieldMax ETFs offer jaw-dropping yields—and the massive risks behind them. - The truth about sustainability and how these strategies can erode your principal. - Why more income often means more volatility. - How Leibel incorporates these ETFs responsibly into client portfolios. If you're in your 50s and eyeing high-yield strategies for retirement income, don't miss this critical conversation.

15 min
MAY 20

Is Your Retirement Portfolio Too Complicated?

Too much of a good thing can be harmful—especially in retirement planning. In this episode of Leibel On Fire, Amazon best-selling author and retirement expert Leibel Sternbach explains the difference between smart diversification and what he calls "diworsification." Are your mutual funds and ETFs working together—or accidentally overlapping and increasing your risk? Join Leibel and host Freddie Bell as they break down: Why "more" isn't always better in retirement investing How portfolio overlap quietly derails your income strategy Simple ways to streamline your portfolio without sacrificing growth A free tool to check if you’re truly diversified at yields4u.com If you’re serious about retiring smart, this episode is a must. Schedule your free retirement tax analysis at https://www.yields4u.com

12 min
MAY 13

Is your Social Security as Risk?

In this episode of Leibel on Fire, Leibel Sternbach and Freddie Bell dive into the surprising connection between DOGE (Department of Government Efficiency) and your Social Security benefits. With Elon Musk at the helm of a mandate to cut $2 trillion in federal spending, retirees and those nearing retirement are left wondering: Could my Social Security checks be at risk? Leibel breaks down what DOGE really is, the history of government efficiency efforts, and what retirees should (and shouldn’t) worry about when it comes to their benefits. He also explains why Social Security isn't as easy to cut as headlines might suggest—and what areas of your retirement plan may be more vulnerable. 💡 Knowledge is power. If you're in your 50s and planning for retirement, this is a must-listen episode to protect your future income. 👉 Ready to talk about your retirement strategy? Book your free consultation with Leibel Sternbach today at https://www.yields4u.com/pages/book

16 min
MAY 6

Money Market ETFs: Better Than CDs

Are you still parking your cash in CDs or low-yield savings accounts? In this episode of Leibel on Fire, Amazon bestselling author and retirement expert Leibel Sternbach breaks down the real differences between money market funds, money market ETFs, and CDs—and reveals why retirees should be rethinking their short-term savings strategy. You’ll learn: ✅ Why money market ETFs might be the best-kept secret for short-term yield ✅ How to strike the right balance between access, income, and safety ✅ Why using a “bucket strategy” could protect your portfolio from market downturns ✅ The #1 mistake retirees make with their "safe" money—and how to fix it If you’re in your 50s or beyond and want your cash to work smarter—not just sit there—don’t miss this episode and contact us to schedule an appointment.

15 min

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The Financial Independence and Retirement show dedicated to helping you build the life of your dreams, as fast as possible, with as little stress as possible

Creator

Leibel Sternbach, EA & Freddie Bell
Years Active

2022 - 2025
Episodes

107
Rating

Clean
Show Website

Leibel on FIRE

Leibel on FIRE

Episodes

Annuities Exposed!

Social Security: Can You Rely On It?

5 Big Retirement Splurges That Can Wreck Your Financial Future

Look Poor. Retire Rich. The Retirement Tax Hack Nobody Talks About.

High-Yield EFTs - Too Good to be True?

Is Your Retirement Portfolio Too Complicated?

Is your Social Security as Risk?

Money Market ETFs: Better Than CDs

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