Retirement Starts Today Benjamin Brandt CFP®, RICP®

Do you have an HSA? If so, do you simply use it to pay for your medical expenses? Or do you use it as a way to build your wealth? Today we’ll look at an article from Financial Advisor Magazine that will help us identify opportunities for wealth creation.
Listen in to learn how to maximize the triple benefit of the humble HSA.
This episode was first broadcast in March 2023.

We are spending some extra time off from the podcast over this holiday season to spend time with family. I hope you're using this opportunity to spend some time with family as well.
I've gone through my favorite episodes of 2023 to bring you some fantastic rebroadcasts. So here's one and I hope you enjoy it!
The Puzzling Gap Between How Old You Are and How Old You Think You Are, first broadcast in May 2023.
Do you ever get together with your friends from high school and wonder why they all look so old? Are you surprised by the image that you see in the mirror each morning? If so, you’re not alone.
In today’s retirement headline segment, we’ll explore an article from Jennifer Senior at MSN.com that examines the abstract concept of feeling a different age in your head than you physically are in years.
Related to the retirement headline, today’s listener question is about how to understand when you are mentally ready to retire. Learn how important purpose is in your decision to retire.

Most people are worried about spending too much and running out of money in retirement. However, few people worry about spending too little. 
In this week’s episode of Retirement Starts Today, you’ll learn why you should spend your principal in retirement. Our retirement headline comes from Dr. Jim Dahle at the Whitecoat Investor and shows us why many people don’t spend enough of their money and how you can take a practical approach to spending more.
If you are like most people, one of your main worries about retirement is that you’ll end up running out of money. While this is a well-founded fear for many underfunded Americans, chances are, if you are listening to this show, you aren’t an underfunded retiree. 
While the current state of retirement savings is quite shocking, if you have a healthy retirement portfolio, you don’t have to lump yourself in with the majority of Americans. 
Outline of This Episode [1:52] Many people have a fear of running out of money in retirement [3:40] The state of retirement savings [7:02] Why some people don’t spend their principal [13:19] What should you do with excess RMD dollars? Resources & People Mentioned Spend Your Principal The Extraordinary Upside Potential Of Sequence Of Return Risk In Retirement Boomer Benefits Boomer Benefits on Facebook Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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Hey podcast listeners.
I just wanted to jump into your podcast feed here really quickly and give you an update on the new project we're working on where our firm is taking on new clients.
The plan was to leave the application process open throughout the entire month of November. But what we didn't realize is how many applications we would actually receive!
We are beyond humbled and thank you so much to each of you that are taking the time to watch the video and fill out the application process.
But way more people did it than I thought we would!
So what we're gonna do is we're gonna shut it down early. We're going to leave it open until midnight on November 20th.
So if you're interested, check out retirementstartstoday.com/meeting.
Hope to see you there. We'll talk to you soon.

Would you like to have more confidence in your retirement plan? In the retirement headlines segment, you’ll learn one simple way to increase your certainty about what you can accomplish in retirement. 
In the listener questions segment, Bret helps answer what the essential aspects of an estate plan include. 
If you are ready to get serious about retirement planning press play to get started. 
Outline of This Episode [2:26] A written retirement retirement plan boosts your confidence [4:11] 4 areas to consider in your plan [11:15] What do you need to create an estate plan? Resources & People Mentioned Boomer Benefits Boomer Benefits Facebook Group Here’s One Surefire Way to Boost Retirement Confidence The link to the video and schedule Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
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Do you wish you had more optionality when it comes to designing your retirement? In this episode of Retirement Starts Today, we’ll explore an article from Forbes that poses five alternatives to the 4% rule that you may want to explore for your retirement withdrawal strategy.
In our retirement headlines segment Bret and I team up to answer a question that both Google and ChatGPT got wrong. Find out what it is by listening until the end!
Outline of This Episode [2:22] The types of spending strategies that can be used in retirement [13:30] Is creating a donor-advised fund a good way to avoid IRMAA? Resources & People Mentioned Boomer Benefits Boomer Benefits Facebook group Forbes article Want to help me with my book? Take this survey! Schedule a meeting with me to see if we would be a good fit  Trusted sources for financial information - Ed Slott, IRS.gov, Kitces.com Connect with Benjamin Brandt Get the Retire-Ready Toolkit:http://retirementstartstodayradio.com/ Follow Ben on Twitter:https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on
Apple Podcasts,Stitcher,TuneIn,Podbean,Player FM,iHeart, orSpotify