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

Rocking retirement requires focusing on both the financial and non-financial aspects of retirement. In the previous two episodes we explored the four financial areas that help build a rocking retirement, and today, we begin to examine the non-financial areas starting with energy and mindset. 
After listening you’ll understand why rocking the non-financial part of retirement starts with building your energy. Learn how to improve your energy and mindset by listening to this episode of Retirement Answer Man.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [1:30] Energy is the first pillar 4:17] Create a plan to improve your energy [7:10] Develop a growth mindset [12:46] An example  LISTENER QUESTIONS [15:38] Do you have to be actively earning income to contribute to a Roth? [18:53] How doing their own taxes saved them thousands of dollars (and not only in tax preparer fees) [22:55] Will my spouse receive the COLA as well? [25:28] Are CDs a good way to invest? BRING IT ON WITH MARK ROSS [29:51] Foster an abundance mindset [35:34] Tools to use to practice an abundance mindset TODAY’S SMART SPRINT SEGMENT [37:24] Be aware of the stories that you tell yourself and how they affect your mindset Resources Mentioned In This Episode BOOK - Limitless Mind by Jo Boaler
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

Rocking retirement requires getting your financial and nonfinancial ducks in a row. As we work through the 8 pillars of rocking retirement this month, we’ll explore both the financial and non-financial elements of retirement. This week, we’re reviewing the resilience and optimization stages of the financial side of retirement. 
If you didn’t listen to the previous episode, make sure to go back and do so first to about the first two financial pillars. In this episode, we’ll be reviewing the next two: resilience and optimization.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN WHAT DOES THAT MEAN? [1:40] What is the debt ceiling? [5:43] What will happen with the debt ceiling? PRACTICAL PLANNING SEGMENT [7:55] Make your feasible plan resilient [14:10] Build a funding strategy [18:07] Now it’s time for optimization LISTENER QUESTIONS [22:45] Estimating Social Security using the detailed calculator [25:02] The pros and cons of investing in REITs and private funds [31:45] Choosing a retirement planner vs. a CFP [36:16] Should Tammy sell one of her rental properties BRING IT ON  [41:28] What micro roles can you play in various relationships? TODAY’S SMART SPRINT SEGMENT [47:20] Assess the resilience of your retirement plan Resources Mentioned In This Episode SSA.gov detailed calculator
Episode 486 - The 8 Pillars Of Rocking Retirement: Financial - Vision And Feasibility
Retirement Plan Live episodes with Rosie - 468, 469, 470, 471
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

If you don't know where you are going any path will get you there. This is why it is so important to have a vision of where you want to go–you don’t want to end up anywhere!
This series is dedicated to teaching you the 8 pillars to rock retirement. In this episode, we focus on creating a vision so that you can create a feasible pathway to get you to your vision. 
Listen in so that you aren’t wandering aimlessly through your retirement. Press play to learn how to visualize your goal and create a way to get there. 
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [2:52] What do you want? [6:32] What are your objectives? [8:14] What are the obstacles? [12:39] How to make your plan feasible LISTENER QUESTIONS [18:54] A tip about going from two to one [20:57] A pie-cake baking tip [22:22] How to consider long-term investing when you get older [29:01] Would a stable value fund be a healthy or junk investment? BRING IT ON WITH KEVIN LYLES [34:17] How volunteering can improve your retirement TODAY’S SMART SPRINT SEGMENT [40:38] Think about your life as if it were a clean slate Resources Mentioned In This Episode LiveWithRoger.com
BOOK - The Top Five Regrets of the Dying by Bronnie Ware
Fences for Fido
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

This month we’re heading back to basics. All month long we’ll be building your foundational understanding of how to create a rocking retirement. If you’re new to the show, this is a fantastic starting point. If you are a long-time listener you’ll appreciate this review.
In this episode, you’ll learn how to solve the essential problems of retirement planning: how to live a life without regret and how to balance squeezing as much out of life as possible today while ensuring that you have enough financial stability so that you won’t be a burden to others in your later years. 
Listen in to learn how to build a retirement that you can be excited about.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ LAST MONTH [1:30] My monthly reading list PRACTICAL PLANNING SEGMENT [8:22] My experience in retirement planning [9:38] The retirement challenges you’re facing [15:35] Problems with traditional retirement planning [19:18] 3 things you need to have hope [21:10] Why I use an agile project management approach LISTENER QUESTIONS [27:33]Could joining the RRC help Matt help his mother-in-law? [30:05] On sharing the results of the survey [31:40] A book recommendation [33:33] How to transition to the decumulation stage BRING IT ON WITH DR. BOBBY DUBOIS [40:33] How exposure to heat and cold can benefit you [42:02] The history of using heat and cold to relax and heal [44:20] Defining heat and cold exposure [47:08] The evidence that supports exposure [53:09] The downsides [55:13] The benefits TODAY’S SMART SPRINT SEGMENT [1:03:50] What is your planning process? Resources Mentioned In This Episode LiveWithRoger.com - Join me on May 11 or May 13, 2023, to learn the 4 phases of great retirement planning and to hear more about the Rock Retirement Club!
BOOK - Unreasonable Hospitality by Will Guidara
BOOK - The Creative Act - Rick Rubin
BOOK - The Tiger by John Vaillant
BOOK - What Are People For? By Wendell Berry
BOOK - Atomic Habits by James Clear
BOOK - Tiny Habits by BJ Fogg
BOOK - Why Zebras Don’t Get Ulcers by Robert Sapolsky
Episode 481 - I’m in My Fifties and Got Laid Off. What Should I Do?
Morning Star’s The Long View Podcast - Retirement Planning Is Not Financial Planning
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

How will Social Security benefits fit into your retirement equation? If you have a spouse, there is an added level of complexity when considering your Social Security claiming strategy. 
We explore this topic and more through listener questions on today’s episode of Retirement Answer Man. Learn what to consider and how to approach the Social Security question by pressing play.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [3:49] Kathy shares Soaring Spirits International – a widows' group [4:33] Claiming Social Security strategies [9:55] Non-qualified stock options [18:39] Simplifying your investments going into retirement BRING IT ON [32:19] Having passions or projects to drive you [35:09] Plan your days in retirement TODAY’S SMART SPRINT SEGMENT [36:47] Declutter one thing Resources Mentioned In This Episode Soaring Spirits International
SSA.gov
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center

If you are thinking about retiring in the next few years you’re probably wondering what the best tools are to help you plan. Finding the right retirement planning software can not only help you plan retirement but help put your mind at ease so that you can Rock Retirement!
One listener asks my opinion on the best retirement software to use. If you are curious about my answer you’ll press play. 
In this episode, you’ll also hear about the books I read in March, an interview with Steven Chen from the New Retirement Calculator, and learn the benefits of creating horizontal relationships.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOK REVIEWS [1:30] Books I read in March LISTENER QUESTIONS [5:30] Which retirement software should I use? [11:49] On using dividend investing to fund retirement [20:19] On using indexed annuities with downside protection [24:04] A recommendation for my wife, Shawna [24:55] Looking for a financial planner that is a retirement consultant  STEVEN CHEN INTERVIEW ON THE NEW RETIREMENT CALCULATOR [26:45] What New Retirement Calculator users think about [33:06] Planning for the future [38:36] What’s new with the New Retirement Calculator BRING IT ON [41:55] The benefits of creating horizontal relationships TODAY’S SMART SPRINT SEGMENT [47:10] Revisit your allocation plan Resources Mentioned In This Episode NAPFA
Garrett Planning Network
New Retirement Calculator
Money Guide Pro Elite
Financeware
BOOK - The Courage to Be Disliked by Ichiro Kishimi
BOOK - Make Your Bed by William McCraven
BOOK - Sea Stories by William McCraven
BOOK - Build by Tony Fadell
BOOK - Top Five Regrets of the Dying by Bonnie Ware
Morningstar’s The Long View Podcast - Retirement Planning Is Not Financial Planning
LiveWithRoger.com - Register for the webinar on May 11, 2023 to discover the 4 Phases of a Great Retirement Plan
Rock Retirement Club
Roger’s YouTube Channel - Roger That
BOOK - Rock Retirement  by Roger Whitney
Roger’s Retirement Learning Center