Take Back Retirement

Stephanie McCullough & Kevin Gaines
  • 4.9(18개의 평가)
  • 가이드
  • 월 2회 업데이트
Take Back Retirement

You’re a woman on the cusp of “retirement” naturally feeling some anxiety. We are two financial planners who take this subject seriously (but ourselves less so). We will help you feel more confident about your choices by cutting through the myths and mysteries. Through conversations and interviews with both subject-experts and women who have gone through what you are approaching, you will have the correct information and motivation to be in control of your future.

  1. 2월 28일

    107: Exploring the Psychology of Retirement with Dr. Meir Statman

    “It's nice to get millions when you're 65, but wouldn't it be better if you gave [your children], say, 10s of 1000s when they are in their 20s and 30s?” -Meir Statman   Our hosts, Stephanie McCullough and Kevin Gaines, are joined by world-renowned behavioral finance expert Dr. Meir Statman to explore the intricate dance between human behavior and financial decision-making!   Dr. Statman is a pioneer in the world of behavioral finance, currently serving as a professor and researcher at Santa Clara University. He attempts to understand how people make financial choices and how those choices are reflected in financial markets.   Listen in as Dr. Statman unpacks the cognitive and emotional shortcuts we often take when making financial decisions, and challenges the traditional economic views that advocate for purely rational financial choices.   He also introduces his latest book, "A Wealth of Wellbeing," which offers a human-centered approach to finance, and shares his personal journey from traditional to behavioral research–complete with anecdotes that bring his theories to life!   “Spend money, don’t waste it.”   Dr. Statman explores the link between our money mindset and wellbeing, drawing insights from sociology, psychology, and economics. He explains how we can align our aspirations with present realities, encouraging thoughtful sacrifices today for financial independence tomorrow.   From pursuing your vocation, to engaging in meaningful philanthropy, to striking that elusive balance between saving and spending, Dr. Statman traces the path to a life well lived–not just in the quantity of years, but in their quality!     Key Topics: Why Dr. Statman Wrote His New Book (00:00) Dividends Versus Capital Appreciation (07:09) The Connection Between Finance and Wellbeing (20:00) The Problem with Oversaving (29:31) How Much Self-Control Is Too Much? (38:48) “How About Our Four-Legged Friends?” (41:03) Addressing the Fear of Your Kids Dying Before You (48:51) How Society’s Attitude Towards Money Has Changed Over the Decades (56:27)   Resources: Dr. Meir Statman on LinkedIn A Wealth of Well-Being (book)     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    57분

  2. 2월 15일

    106: What Women Need to Know About Bitcoin with Marianne Borneman

    Picture a world where your money isn't controlled by any government, but rather exists in the form of digital code. That's the idea behind Bitcoin and cryptocurrency, where freedom meets cryptography, and transactions are recorded transparently on a blockchain.   But we get it–to those looking to add cryptocurrency to their portfolio, the subject of decentralized finance can be pretty intimidating. Our hosts, Stephanie McCullough and Kevin Gaines break it down with special guest Marianne Borneman, founder of Access Tax Solutions, the home of Real Clear Tax Advice.   They look into how Bitcoin differs from traditional money, dissecting its digital nature and the security measures you need to protect your assets. From choosing reputable digital wallets to setting up complex passwords, they guide us through safeguarding your investments in this new financial frontier.   Understanding the tax implications of your Bitcoin transactions is essential to avoid unwanted surprises. Our hosts and Marianne share practical scenarios illustrating the importance of documenting every purchase and sale, and how using Bitcoin as a gift or payment can impact your tax obligations. Whether you hold physical assets or prefer investing through ETFs, they explain how these choices affect your tax strategy and what to watch out for in terms of legal and security challenges.   Ever wondered what it takes to mine Bitcoin or why it's often compared to gold? They dive into all that, including where it actually derives value from. They explore the concept of scarcity and how collective belief underpins currency value, drawing parallels between Bitcoin and precious metals like gold. In wrapping, they discuss the most common frauds and scams to watch out for as you navigate the world of crypto!   Key Topics: “What the Heck is Bitcoin?” (0:25) How Safe is Crypto? (07:50) How to Use Cryptocurrency (11:21) Crypto and Taxes (18:35) Owning Physical Assets Versus ETFs (30:16) Common Crypto Scams (33:36) Bitcoin Mining (47:41) When Does a Crypto Transaction Qualify as a Taxable Event? (54:51) Where Does Bitcoin Derive Value From? (59:58)   Resources: Learn more about Kathleen Marianne Borneman and her services here Take Back Retirement #83: Combatting Fraud and Protecting Your Financial Future with AARP’s Kathy Stokes   If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    59분

  3. 1월 15일

    105: Why Money Conversations are Crucial and How to Have Them, with Kathleen Burns Kingsbury

    “It really does cost us in terms of our ability to learn about money, embrace failure, the mistakes that we made and we learn from them, to actually get closer to the people in our lives, whether that is our adult children, whether that's a partner, whether that's a friend. So there's a lot of ways in which money silence kind of keeps us locked up in a way that I don't think is useful.” - Kathleen Burns Kingsbury   Our hosts Stephanie McCullough and Kevin Gaines invite Kathleen Burns Kingsbury back to the show. She brings her invaluable expertise as a money mindset coach to discuss societal pressures women typically face regarding finances.   With the re-release of her book "Breaking Money Silence," Kathleen offers fresh insights, focused on empowering women to break their silence around money discussions both in the home and the workplace.   Kathleen kicks things off by exploring the psychological obstacles to financial empowerment. Roadblocks like guilt, fear of being seen as greedy, and imposter syndrome frequently obstruct the path to confidence for many women–and men.   She reminds us that it's important to surround yourself with mentors and peers who respect individual needs and foster an environment free of money shame. It all begins with open and authentic conversations.   Kathleen teaches that it’s important to build your own "financial dream team" that prioritizes relationships over sales. She unpacks the art of leveraging each partner’s strengths, in addition to open communication, in order to minimize money arguments and bring couples closer to their financial dreams!   Key Topics: Why Kathleen is Re-Releasing “Breaking Money Silence” (3:16) “What is My Relationship with Money?” (7:14) How Do Your Financial Beliefs Serve or Sabotage You? (14:12) The Human Side of Finance (18:38) Building Financial Knowledge (26:10) Managing Money as a Couple (29:14) What About Single Women? (36:43)   Resources: Learn more about Kathleen Burns Kingsbury and her services at www.kbkwealthconnection.com   If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    47분

  4. 2024. 12. 16.

    104: How to Invest When the World Feels Dangerous

    Volatility and recession and crashes! Oh, my! Today, our hosts Stephanie McCullough and Kevin Gaines give their best strategies for successful investing when the world’s feeling dangerous.   They kick things off with some pointers on riding out market ups and downs. It all comes down to sticking to a long-term investment plan, no matter what’s happening around you. Remember the 2008 financial crisis? Stephanie and Kevin talk about how markets always bounce back and why it’s best not to fret over the dramatic headlines.   They also discuss ways to manage your wealth during short-term crises. It’s important to keep a nice stash of cash for those “just in case” moments, such as being between jobs or moving to a new city. Knowing your expenses inside and out is a big confidence booster, making you feel more in control when life throws those curveballs.   Stephanie and Kevin also detail the importance of having open money talks with your family. Talking through retirement savings and possible inheritances with your loved ones can keep future surprises at bay.   Our hosts wrap up by breaking down the difference between market sentiments vis à vis economic realities, hammering home the all-important lesson that investing is a marathon, not a sprint!   Key Topics: A Note on Scary Headlines (00:00) The Market as a “Discounting Mechanism” (07:11) Knowing When to Cash Out and When to Reenter the Market (14:28) “How Bad Do You Really Think It’s Going to Get?” (19:19) Preparing for Short-Term Emergencies (22:09) Having Money Conversations with Your Loved Ones (29:45)   Resources: Elm Wealth Crystal Ball Trading Game Take Back Retirement Ep 64: What is Money Insurance? Take Back Retirement Ep 66: Transform Your Relationship with Money: Lessons from Bari Tessler     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    33분

  5. 2024. 11. 30.

    103: Essential Internal Money Healing with Meghan Dwyer

    Our hosts Stephanie McCullough and Kevin Gaines discuss the emotional side of money management with Meghan Dwyer, a Certified Financial Planner and the host of the "Money Isn't Scary" Podcast.   Meghan's vision-mission is all about challenging societal norms and empowering women to take charge of their finances with confidence. She helps us uncover the hidden emotional influences that shape our financial decisions and shares her insights on moving from a mindset of fear to one of abundance.   “How we earn our money is emotional,” says Meghan. “How we spend our money is emotional. How and why we save our money is emotional.”   Our hosts and Meghan explore how our feelings around money are often inherited from past generations. Meghan emphasizes the importance of gaining clarity around, and processing, these emotional roots to make more informed money choices. She discusses the societal pressures of consumerism and the lack of financial education that can leave many feeling anxious or ashamed about their financial literacy.   “Your relationship with money is parallel with your relationship with yourself.”   Self-reflection helps us in aligning our financial decisions with personal values. Through practical exercises, Meghan teaches us how to identify our core values—whether it's family, adventure, or otherwise—and ensure our spending aligns with what truly matters to us.   Meghan also stresses the importance of self-compassion, especially when our financial choices don't perfectly align with our values. She encourages us to embrace emotional triggers as tools for growth and to focus on what money can achieve in terms of our values, rather than just its numeric worth.   Key Topics: What Stands in Our Way When It Comes to Financial Wellness? (3:36) “Money is Emotional!” (12:55) Minimizing Overwhelm When Beginning Your Money Healing Journey (19:28) The Importance of Knowing Your Values (24:55) Rewriting Our Money Stories and Beliefs (32:53) Avoiding the Comparison Trap (40:04) Stephanie and Kevin’s Key Takeaways (45:06)   Resources: Money Isn’t Scary Podcast Money Isn’t Scary Website     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    47분

  6. 2024. 11. 15.

    102: What Women Need to Know about Avoiding IRA Nightmare Stories with Denise Appleby

    “Prevention is better than cure. Don't feel overwhelmed by all this. Would you remove your own kidney? You would go to a professional to get it done.” -Denise Appleby   Renowned IRA and retirement plans expert Denise Appleby joins our hosts Stephanie McCullough and Kevin Gaines for a crucial conversation on managing your retirement accounts effectively, especially as 2024 comes to a close.   Having trained thousands of financial, tax, and legal professionals, Denise shares her invaluable insights on year-end retirement planning strategies, covering the complexities of Required Minimum Distributions (RMDs) and the potential pitfalls of rollovers.   They talk about the challenges family members face when inheriting IRAs and handling 401(k) withdrawals, including those aged 73 and older.   In addition to RMDs, they also cover Roth conversions and Qualified Charitable Distributions (QCDs), giving you much-needed clarity on suitability assessments and precise reporting needs.   Denise explains the differences between transfers and rollovers, providing real-life examples of costly mistakes and IRS penalties that typically come from common misunderstandings. By sharing these cautionary tales, Denise demonstrates the importance of consulting knowledgeable financial advisors to guide you through these often-daunting processes, ensuring your retirement plan remains on track!   Key Topics: How to Manage Your Retirement Accounts Before the Year Ends (3:38) Navigating IRS Publications and Regulations (10:18) What’s Eligible for a Rollover? (22:38) Understanding Beneficiary IRAs and R&D (27:30) Direct Versus Indirect Roth Conversions (38:28) A Primer on Qualified Charitable Distributions (46:42) Stephanie and Kevin’s Key Takeaways (59:45)   Resources: DeniseAppleby.com Take Back Retirement Episode 12: What Women Need to Know About IRA’s, with Sarah Brenner Take Back Retirement Episode 20: Women + Roth IRA’s – What Should You Be Aware Of? Take Back Retirement Episode 58: Secure Act 2.0: New Retirement Account Rules, Same Old Message! Take Back Retirement Episode 78: The Essential Rules to Know When You Inherit an IRA     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    56분

  7. 2024. 10. 30.

    101: What Women Need to Know (and Do) About Estate Planning with Your Friend the Lawyer, Pam Starsia

    Our hosts Stephanie McCullough and Kevin Gaines sit down with Pam Starsia, who swapped her corporate lawyer gig for the world of estate planning, and now runs a firm alongside her husband. Once a pro in high-stakes mergers and acquisitions, Pam’s now all about creating personalized, relationship-focused estate plans. Listen in as she takes us through the sometimes-tricky and always-emotional landscape of family legacy planning.   “If you have the resources to pay for help, do so. You deserve it.”   Pam unpacks the Personal Family Lawyer model she follows, which emphasizes the human side of legal advice to meet a family’s evolving needs. Her insights help us balance the emotional and practical sides of family legacy planning, offering a new take on the whole process beyond just writing a will.   When dealing with clients, Pam’s all-in on personal touch. Our hosts and Pam chat about the emotional twists that can pop up, like sibling dynamics and particularly sentimental items. She dishes out practical tips for navigating these situations, reducing conflicts, and making sure everyone in the family gets a say.   They also explore some unique aspects of estate planning, like the question of your furry friends, and Pam gives us the lowdown on setting up options like pet trusts to ensure they’re cared for in the future. She reminds us that estate planning isn’t just a one-time deal—it’s an ongoing process that adapts to changing laws, relationships, and life situations.   Key Topics: From Corporate Lawyer to Estate Planning Attorney (3:31) The Advantages of the Personal Family Lawyer Model (9:45) Staying Accountable as an Estate Planning Attorney (15:46) Being Thorough with Clients (25:28) The Challenge of Working with the “Sandwich Generation” (31:37) Dealing with Joint Trustees (34:30) Pet Trusts: Making Sure Your Fur Babies Aren’t Forgotten! (39:46) Why It Literally Pays to Plan with an Attorney (47:44) Stephanie and Kevin’s Key Takeaways (50:10)   Resources: Starsia Law Website Starsia Law on Facebook Starsia Law on Instagram Starsia Law on LinkedIn PersonalFamilyLawer.com if outside of NY Who Gets Grandma’s Yellow Pie Plate? (Article)     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    50분

  8. 2024. 10. 15.

    100: What GenX Women Need to Know About Retirement

    “We’re nothing if not resourceful. That’s our generation’s superpower.” -Kevin   In celebration of the 100th episode of Take Back Retirement, our hosts Stephanie and Kevin Gaines reflect on the defining characteristics of their very own generation–Gen X–and key lessons that women in this age bracket can put into practice today in preparing for retirement.   From the seismic shift from pensions to 401(k) plans, to navigating the rollercoaster of financial events like the 1987 Black Monday and the dot-com bubble at the turn of the century, today’s conversation explores the pivotal moments that molded an entire generation's approach to financial planning.   Our hosts shed light on the realities of midlife day-to-days in the 2020s, from dealing with the fallout of being the “Sandwich Generation” to considerations around financially supporting family members amid shaky times.   At the same time, Stephanie and Kevin celebrate the unique brand of resourcefulness that defines GenX, emphasizing their quest to find “balance, flexibility, and self-determination.”   Key Topics: The Defining Characteristics of GenXers (5:14) Why GenXers are More Cautious with Money (10:11) The “Sandwich Generation” (12:41) “How Do We Deal With All This Crap?” (18:05) Accepting That You Can’t Control Everything (22:28) Financially Supporting Family (32:02) Key Takeaways (34:12)     Resources: Leave a Voice Memo for Take Back Retirement Personal Financial Inventory Downloadable Resource Take Back Retirement Ep 15: What Women Need to Know About Social Security Take Back Retirement Ep 82: Getting the Most from Social Security: Smart Strategies for Women with Heather Schreiber Take Back Retirement Ep 21: Simplifying Medicare: What’s Important For You To Know with Susan Sloan Take Back Retirement Ep 14: What Women Need to Know About Caregiving and Elder Law with Cathy Sikorski     If you like what you’ve been hearing, we invite you to subscribe on your favorite platform and leave us a review. Tell us what you love about this episode! Or better yet, tell us what you want to hear more of in the future. stephanie@sofiafinancial.com   You can find the transcript and more information about this episode at www.takebackretirement.com.   Follow Stephanie on Twitter, Facebook, YouTube and LinkedIn.  Follow Kevin on Twitter, Facebook, YouTube and LinkedIn.

    35분
모두 보기(100개)

4.9
최고 5점
18개의 평가

소개

You’re a woman on the cusp of “retirement” naturally feeling some anxiety. We are two financial planners who take this subject seriously (but ourselves less so). We will help you feel more confident about your choices by cutting through the myths and mysteries. Through conversations and interviews with both subject-experts and women who have gone through what you are approaching, you will have the correct information and motivation to be in control of your future.

정보

  • 제작진
    Stephanie McCullough & Kevin Gaines
  • 방송 연도
    2020년 - 2025년
  • 에피소드
    100
  • 등급
    무삭제판
  • 저작권
    Take Back Retirement ©
  • 웹사이트 보기
    Take Back Retirement

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