Retirement Answer Man Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®

What is the difference between a passion and an interest? Why is it important to have a passion in retirement? In the Bring It On segment with Mark Ross, we’re discussing passions. You’ve probably heard that it is important to have a purpose in retirement, but today you’ll learn how to develop your interests and turn them into passions.
You’ll also hear questions about when to stop contributing to pre-tax retirement accounts, what preferred stocks are, and whether QLACS can be used as QCDs. Press play to listen. 
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [3:30] Future pre-tax contributions [13:48] What is the objective of having preferred stocks in a portfolio [17:03] Can a QLACS distribution be treated as a qualified charitable distribution? [18:54] Where should these 34-year-olds save? BRING IT ON WITH MARK ROSS [21:28] Are passions the same as interests? TODAY’S SMART SPRINT SEGMENT [27:00] Update your net worth statement Resources Mentioned In This Episode LiveWithRoger.com
BOOK - 4000 Weeks by Oliver Burkeman
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

Is there an ideal mix of before and after-tax retirement accounts? If so, what is it? In this episode, we’ll find out. We’ll also explore a number of other questions that have been eating away at listeners like you. 
Check out this episode to listen to these listener questions and stick around until the end to hear Kevin Lyle’s relief at no longer having to keep up with the Joneses. 
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:05] What is the ideal mix between before and after-tax retirement accounts? [6:46] What to do about a fee-heavy investment account [11:00] Finding a financial planner [12:09] The impact on energy levels [13:58] Saving for kids’ education [18:17] How to open a Roth with a high-income BRING IT ON [21:05] Keeping up with the Joneses TODAY’S SMART SPRINT SEGMENT [26:08] Check the way you compare yourself to others Resources Mentioned In This Episode Andy Panko’s advisor referral list
Garrett Planning Network
NAPFA 
BOOK - Outlive by Peter Attia
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

What are you doing to make friends in retirement? Mark Ross and I explore this challenge in our Bring It On segment. Listen in to hear how I made a new friend this week and stick around to hear the listener questions and what you could be doing to improve your social life. 
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:36] What should Ronnie consider when transferring investment accounts? [14:30] Clarifying the 401K catch-up provision for high-income earners [20:12] Clarifying the 5-year rule with each conversion [22:44] Capital gains strategies for downsizing your primary residence [26:35] Will claiming a personal SS benefit early affect a spousal benefit? BRING IT ON WITH MARK ROSS [30:40] How do we make new friends in retirement? TODAY’S SMART SPRINT SEGMENT [37:57] Take stock of your social network to see how you could improve Resources Mentioned In This Episode The Roth series 494, 495, 496, 497, 499
BOOK - A Simple Path to Wealth by J.L. Collins
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

Did you know that there is another way to borrow money to purchase a home that is not a mortgage? Larry is thinking about using a securities-based line of credit against his after-tax investment account to borrow to buy a house. Discover my opinion on this optimization question on this episode of Retirement Answer Man.
Listen in to also hear my August reads and learn about the importance of protein to keep strong as you age. Press play now.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ IN AUGUST [2:58] The Wager [6:02] American Prometheus [7:12] Outlive [9:09] The Courage to Be Disliked [10:06] The Big Short LISTENER QUESTIONS [11:14] Should Larry use an after-tax investment account to borrow to buy a house? [21:33] Jennifer wants to hear more about pretirement [26:25] How to get the Roth clock ticking when you don’t qualify for a Roth [28:18] On discussing faith in the RRC [29:20] The costs of alcohol [30:12] Richard’s thank you on 500 episodes [31:34] Do the same (golden) rules apply to Roth 401Ks as Roth IRAs BRING IT ON WITH DR. BOBBY DUBOIS [35:30] Building energy using protein powder [41:00] How much protein people really need [44:02] Negatives of too much protein [48:12] Do people get enough protein? [50:06] More on protein supplements [57:55] How to ensure you are getting enough protein TODAY’S SMART SPRINT SEGMENT [59:01] Keep a captain’s log Resources Mentioned In This Episode BOOK - American Prometheus by Kai Bird
BOOK - Outlive by Peter Attia
BOOK - The Wager by David Grann
BOOK - The Courage to be Disliked by Ichiro Kishimi
BOOK - The Big Short by Michael Lewis
Episode 502 - Should I Realign My 401K Now That I'm Retired? (with Kevin Lyles)
Episode 500 - 500 Episodes and Still Rocking
A few episodes in which we discuss retirement - 183, 214, 244, 324, 430 
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

To really rock retirement you have to have the right mindset. On this episode of Retirement Answer Man, Kevin Lyles and I noodle on the power of wonder. You’ll learn why it is important to have a sense of wonder and learn three tips for digging into your own sense of wonder. 
We also have plenty of listener questions to answer. Press play to hear the answers to questions from listeners like you.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BRING IT ON WITH KEVIN LYLES [3:44] The power of wonder [7:22] Kevin’s tips for experiencing wonder LISTENER QUESTIONS [12:47] Should Liz reallocate her 401K? [23:28] Should Barry be concerned about his asset allocation? [34:45] A rule of 55 issue [36:30] Getting conflicting answers from the Social Security Administration [40:29] On dealing with FOMO and building healthy cash reserves [43:59] How to get into retirement planning as a career TODAY’S SMART SPRINT SEGMENT [48:40] Find some wonder in the world Resources Mentioned In This Episode RMA Certification
MaximizeMySocialSecurity.com
Episode 493 - How Can I Reverse Taking Social Security?
The Huberman Lab Podcast
BOOK - The Power of Wonder by Monica Parker
Get inspired by the Free Range Fun Hogs blog 
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

Should you use historical or projected returns in your retirement model? One of our listeners asks this question in a very eloquent way. 
On this episode of Retirement Answer Man, I’ll spend some time on this question and share my thoughts on which type of model you should use. You’ll also hear the answers to several other listener questions before Kevin Lyles and I discuss tips for having successful conversations with your spouse in retirement. 
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [1:30] Should we use historical or projected returns?
[20:11] What is the intent?
[23:00] What I sound like at 75% speed
[24:05] How to rank spending priorities
[28:24] Insurance options before Medicare
[32:14] On estimating longevity in a retirement plan
BRING IT ON WITH KEVIN LYLES [35:48] Conversations to have with your spouse in retirement
[38:11] Tips for successful conversations
[40:42] Questions to ask each other
TODAY’S SMART SPRINT SEGMENT [50:32] Review your capital market assumptions
Resources Mentioned In This Episode Viking Cruises
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center