{"version":"https://jsonfeed.org/version/1","title":"Smart Retirement","home_page_url":"https://smartretirement.fireside.fm","feed_url":"https://smartretirement.fireside.fm/json","description":"Smart Retirement is a podcast that helps guide, protect, and educate those preparing for retirement or that are already in retirement. We will have a combination of guests from various industries, ideas of products and services that help consumers and most importantly, build a learning environment for our listeners. Matt \u0026amp; Jeff pride themselves on simplifying the complexities of income and asset planning to make the rest of your life the best of your life! Give us a call today at (866) 53-RETIRE Matthew Hollander National Producer #17191418 CA License# 0I75638","_fireside":{"subtitle":"With Matt \u0026 Jeff","pubdate":"2021-09-22T01:00:00.000-07:00","explicit":false,"copyright":"2026 by smartretirementmedia","owner":"Smart Retirement Media","image":"https://media24.fireside.fm/file/fireside-images-2024/podcasts/images/9/9803626a-a60e-4dfd-876d-5e6f450355e5/cover.jpg?v=4"},"items":[{"id":"bc0f0a7a-0585-497d-a3c3-333319d0500e","title":"Episode 56: Where we finish, in racing or in retirement, is important...","url":"https://smartretirement.fireside.fm/episode56","content_text":"If you have a choice, where do you want to retire? How much of where you retire will depend on how much you will have to retire on.\nThe cost of living will be a major factor in figuring out how much you will need to retire with. Cost of living can vary dramatically from city to city, state to state and even country to country.\n\nThe decision on where to retire takes into consideration many things like how close you are to family, the weather, your health and how much you want to spend. Should you settle by the beach or in the mountains? Do you prefer golf or cross-country skiing? Those are deeply personal questions.\n\nTo determine the best and worst states for retirement in 2021, personal finance website Bankrate ranked each U.S. state across five key areas: affordability, wellness, culture, weather and crime. The two factors weighed most heavily were affordability (40%) and wellness (20%). I think taxation should have been included in their survey!\n\nAccording to Bankrate’s study, Georgia is the best state to retire, followed by Florida, Tennessee, Missouri. Arizona was the 7th best while California was only the 37th best place to live.\n\nBelow, check out the 11 worst states to retire in the U.S. this year, according to Bankrate. But keep in mind that this data is only meant to be used as a reference point for Americans looking to map out their retirement plans.\n\n\nWashington\nAffordability rank: 36\nWellness rank: 8\nCulture rank: 27\nTIE: Idaho\nAffordability rank: 22\nWellness rank: 39\nCulture rank: 30\nTIE: Connecticut\nAffordability rank: 49\nWellness rank: 7\nCulture rank: 9\nAlabama\nAffordability rank: 8\nWellness rank: 44\nCulture rank: 43\nTIE: Arkansas\nAffordability rank: 19\nWellness rank: 49\nCulture rank: 42\nTIE: Maine\nAffordability rank: 40\nWellness rank: 29\nCulture rank: 1\nAlaska\nAffordability rank: 25\nWellness rank: 23\nCulture rank: 20\nMontana\nAffordability rank: 33\nWellness rank: 33\nCulture rank: 3\nKansas\nAffordability rank: 24\nWellness rank: 26\nCulture rank: 38\nMinnesota\nAffordability rank: 39\nWellness rank: 15\nCulture rank: 34\nMaryland\nAffordability rank: 47\nWellness rank: 4\nCulture rank: 39\n\n\nIn order to rank each state, Bankrate gathered data from a number of sources. Here are the sources it used for each metric, as well as how heavily each factor was weighed.\n\nAffordability (40%): Council for Community and Economic Research and the Tax Foundation\nWellness (20%): Sharecare Community Well-Being Index\nCulture (15%): U.S. Census Bureau\nWeather (15%): National Oceanic Atmospheric Administration\nCrime (10%): FBI’s 2019 Crime in the United States report\n\nFor you internationally minded listeners, Costa Rica, Panama, Mexico, Colombia, and Portugal are 2021's top five countries for retirees. Things to consider for wanting to retire outside of the US:\n\nEase of buying and owning property and the value of property investments\nCost of renting\nBenefits and discounts on things such as healthcare and entertainment\nVisa and residency requirements\nCost of living\nFitting in and how easy it is to make friends\nEntertainment and amenities\nHealthy living\nDevelopment and infrastructure\nClimate\nStability of the country’s political situation\n\nWhere you finish in a race is one of the most important factors of why we race. Where you finish living during your retirement will also be one of those factors that should bring you joy and fulfilment. Prepare wisely to finish strong!","content_html":"\u003cp\u003eIf you have a choice, where do you want to retire? How much of where you retire will depend on how much you will have to retire on.\u003cbr\u003e\nThe cost of living will be a major factor in figuring out how much you will need to retire with. Cost of living can vary dramatically from city to city, state to state and even country to country.\u003c/p\u003e\n\n\u003cp\u003eThe decision on where to retire takes into consideration many things like how close you are to family, the weather, your health and how much you want to spend. Should you settle by the beach or in the mountains? Do you prefer golf or cross-country skiing? Those are deeply personal questions.\u003c/p\u003e\n\n\u003cp\u003eTo determine the best and worst states for retirement in 2021, personal finance website Bankrate ranked each U.S. state across five key areas: affordability, wellness, culture, weather and crime. The two factors weighed most heavily were affordability (40%) and wellness (20%). I think taxation should have been included in their survey!\u003c/p\u003e\n\n\u003cp\u003eAccording to Bankrate’s study, Georgia is the best state to retire, followed by Florida, Tennessee, Missouri. Arizona was the 7th best while California was only the 37th best place to live.\u003c/p\u003e\n\n\u003cp\u003eBelow, check out the 11 worst states to retire in the U.S. this year, according to Bankrate. But keep in mind that this data is only meant to be used as a reference point for Americans looking to map out their retirement plans.\u003c/p\u003e\n\n\u003col\u003e\n\u003cli\u003e\u003cp\u003eWashington\u003cbr\u003e\nAffordability rank: 36\u003cbr\u003e\nWellness rank: 8\u003cbr\u003e\nCulture rank: 27\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eTIE: Idaho\u003cbr\u003e\nAffordability rank: 22\u003cbr\u003e\nWellness rank: 39\u003cbr\u003e\nCulture rank: 30\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eTIE: Connecticut\u003cbr\u003e\nAffordability rank: 49\u003cbr\u003e\nWellness rank: 7\u003cbr\u003e\nCulture rank: 9\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eAlabama\u003cbr\u003e\nAffordability rank: 8\u003cbr\u003e\nWellness rank: 44\u003cbr\u003e\nCulture rank: 43\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eTIE: Arkansas\u003cbr\u003e\nAffordability rank: 19\u003cbr\u003e\nWellness rank: 49\u003cbr\u003e\nCulture rank: 42\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eTIE: Maine\u003cbr\u003e\nAffordability rank: 40\u003cbr\u003e\nWellness rank: 29\u003cbr\u003e\nCulture rank: 1\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eAlaska\u003cbr\u003e\nAffordability rank: 25\u003cbr\u003e\nWellness rank: 23\u003cbr\u003e\nCulture rank: 20\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eMontana\u003cbr\u003e\nAffordability rank: 33\u003cbr\u003e\nWellness rank: 33\u003cbr\u003e\nCulture rank: 3\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eKansas\u003cbr\u003e\nAffordability rank: 24\u003cbr\u003e\nWellness rank: 26\u003cbr\u003e\nCulture rank: 38\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eMinnesota\u003cbr\u003e\nAffordability rank: 39\u003cbr\u003e\nWellness rank: 15\u003cbr\u003e\nCulture rank: 34\u003c/p\u003e\u003c/li\u003e\n\u003cli\u003e\u003cp\u003eMaryland\u003cbr\u003e\nAffordability rank: 47\u003cbr\u003e\nWellness rank: 4\u003cbr\u003e\nCulture rank: 39\u003c/p\u003e\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eIn order to rank each state, Bankrate gathered data from a number of sources. Here are the sources it used for each metric, as well as how heavily each factor was weighed.\u003c/p\u003e\n\n\u003cp\u003eAffordability (40%): Council for Community and Economic Research and the Tax Foundation\u003cbr\u003e\nWellness (20%): Sharecare Community Well-Being Index\u003cbr\u003e\nCulture (15%): U.S. Census Bureau\u003cbr\u003e\nWeather (15%): National Oceanic Atmospheric Administration\u003cbr\u003e\nCrime (10%): FBI’s 2019 Crime in the United States report\u003c/p\u003e\n\n\u003cp\u003eFor you internationally minded listeners, Costa Rica, Panama, Mexico, Colombia, and Portugal are 2021's top five countries for retirees. Things to consider for wanting to retire outside of the US:\u003c/p\u003e\n\n\u003cp\u003eEase of buying and owning property and the value of property investments\u003cbr\u003e\nCost of renting\u003cbr\u003e\nBenefits and discounts on things such as healthcare and entertainment\u003cbr\u003e\nVisa and residency requirements\u003cbr\u003e\nCost of living\u003cbr\u003e\nFitting in and how easy it is to make friends\u003cbr\u003e\nEntertainment and amenities\u003cbr\u003e\nHealthy living\u003cbr\u003e\nDevelopment and infrastructure\u003cbr\u003e\nClimate\u003cbr\u003e\nStability of the country’s political situation\u003c/p\u003e\n\n\u003cp\u003eWhere you finish in a race is one of the most important factors of why we race. Where you finish living during your retirement will also be one of those factors that should bring you joy and fulfilment. Prepare wisely to finish strong!\u003c/p\u003e","summary":"f you have a choice, where do you want to retire? How much of where you retire will depend on how much you will have to retire on.\r\nThe cost of living will be a major factor in figuring out how much you will need to retire with. Cost of living can vary dramatically from city to city, state to state and even country to country.\r\n\r\nThe decision on where to retire takes into consideration many things like how close you are to family, the weather, your health and how much you want to spend. Should you settle by the beach or in the mountains? Do you prefer golf or cross-country skiing? Those are deeply personal questions.","date_published":"2021-09-22T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/bc0f0a7a-0585-497d-a3c3-333319d0500e.mp3","mime_type":"audio/mpeg","size_in_bytes":54681308,"duration_in_seconds":2278}]},{"id":"48070e32-0c2a-4507-82c7-fa2c279feab0","title":"Episode 55: Cruising into Retirement.. If you Love what you do, will you ever have to retire?","url":"https://smartretirement.fireside.fm/episode55","content_text":"In this podcast we will talk about the idea of if you love what you are doing for a career, will you ever really retire?\n\nOur guest today will be Steven Shulem. He sells cruise ship experiences. Being a top producer for many cruise ships, he is fortunate to be able to go on many cruises himself. If he is doing what some people want to do when they retire, the question posed to him is, will he ever need to retire if he is already doing what he loves and doing something that is perfect during retirement age? We ask Steven this question along with others like:\n\nWhat is your definition of retirement?\nWill you ever retire in the normal sense of the word?\nWhat makes you the success that you are?  Why are you different?\nWhat are some of the benefits to being in the travel business?\nWhy is cruising a great way to see the world?\n\nSteven Shulem MCC has enjoyed a distinguished reputation as one of the world’s premier luxury travel advisors. \n\nNamed by Conde Nast Traveller as one of the “World’s 125 Top Travel Specialists” six years running, as well as being a connected insider within the industry, Mr. Shulem is ideally placed to deliver a service that his clients will attest offers a high level of elite professionalism matched perfectly with his warm individual attentiveness. \n\nHis 32 years of experience and travels across all 7 continents allow him to excel in enhancing your luxury cruise, making it an unforgettable vacation that is uniquely yours.\n\nYou can reach out to Steven at Steven@StrictlyVacations.com, or 805-682-6142 or visit www.StrictlyVacations.comSpecial Guest: Steven Shulem.","content_html":"\u003cp\u003eIn this podcast we will talk about the idea of if you love what you are doing for a career, will you ever really retire?\u003c/p\u003e\n\n\u003cp\u003eOur guest today will be Steven Shulem. He sells cruise ship experiences. Being a top producer for many cruise ships, he is fortunate to be able to go on many cruises himself. If he is doing what some people want to do when they retire, the question posed to him is, will he ever need to retire if he is already doing what he loves and doing something that is perfect during retirement age? We ask Steven this question along with others like:\u003c/p\u003e\n\n\u003cp\u003eWhat is your definition of retirement?\u003cbr\u003e\nWill you ever retire in the normal sense of the word?\u003cbr\u003e\nWhat makes you the success that you are?  Why are you different?\u003cbr\u003e\nWhat are some of the benefits to being in the travel business?\u003cbr\u003e\nWhy is cruising a great way to see the world?\u003c/p\u003e\n\n\u003cp\u003eSteven Shulem MCC has enjoyed a distinguished reputation as one of the world’s premier luxury travel advisors. \u003c/p\u003e\n\n\u003cp\u003eNamed by Conde Nast Traveller as one of the “World’s 125 Top Travel Specialists” six years running, as well as being a connected insider within the industry, Mr. Shulem is ideally placed to deliver a service that his clients will attest offers a high level of elite professionalism matched perfectly with his warm individual attentiveness. \u003c/p\u003e\n\n\u003cp\u003eHis 32 years of experience and travels across all 7 continents allow him to excel in enhancing your luxury cruise, making it an unforgettable vacation that is uniquely yours.\u003c/p\u003e\n\n\u003cp\u003eYou can reach out to Steven at \u003ca href=\"mailto:Steven@StrictlyVacations.com\" rel=\"nofollow noopener\"\u003eSteven@StrictlyVacations.com\u003c/a\u003e, or 805-682-6142 or visit \u003ca href=\"http://www.StrictlyVacations.com\" rel=\"nofollow noopener\"\u003ewww.StrictlyVacations.com\u003c/a\u003e\u003c/p\u003e\u003cp\u003eSpecial Guest: Steven Shulem.\u003c/p\u003e","summary":"Our guest today will be Steven Shulem. He sells cruise ship experiences. Being a top producer for many cruise ships, he is fortunate to be able to go on many cruises himself. If he is doing what some people want to do when they retire, the question posed to him is, will he ever need to retire if he is already doing what he loves and doing something that is perfect during retirement age?","date_published":"2021-09-09T15:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/48070e32-0c2a-4507-82c7-fa2c279feab0.mp3","mime_type":"audio/mpeg","size_in_bytes":57320721,"duration_in_seconds":2388}]},{"id":"ac5e96d6-4dc8-4179-bb04-0a8c773dcabb","title":"Episode 54: Is Life like an Endurance Race?","url":"https://smartretirement.fireside.fm/episode54","content_text":"In an endurance race there are many strategies you can use to get to the finish line. Remember the story of the Hare and the Tortoise? Come out strong and aggressive and 'hope' that you do not break your race car or put too much wear on your tires. Or, another approach could be to run the race slow but steady. Both can get you to the finish line.\n\nWhat will be your strategy for your life? You may be able to claim Victory after a successful career but what comes next? Near the end of the working part of your life there may be many unknown questions and challenges. Having a crew chief (like a coach) to help you can get you to see that there can be an amazing life after you finish your career. One such person is our guest today, Allan Milham.\n\nAllan Milham is the founder at Questage, a leadership consulting firm based in Phoenix, AZ. Questage focuses on helping entrepreneurs in the third stage of their life rediscover themselves and maintain the drive and passions that fueled their lives before retirement. Retirement doesn't have to be the end of one's life, and Allan will discuss how seniors can make the best of their twilight years, cementing their legacy and giving back to their communities in ways they may have never thought possible. \n\nAllan has logged over 15,000 hours working with top leaders and their executive teams. From his early work coaching US Olympians to his current work helping aging entrepreneurs, Allan has decades of experience that he will be sharing with us today.\n\nAllan will be discussing:\nLife after retirement\nMaking the most out of the third stage of life\nCreating a legacy\nHaving a positive mindset\nThe wisdom that comes with age\n\nIs it as simple as \"Don't Sweat the Small Stuff\"? Can this be the key to a happy life yet we only understand this when we get older or reach the finish line? Listen to this episode to find out.Special Guest: Allan Milham.","content_html":"\u003cp\u003eIn an endurance race there are many strategies you can use to get to the finish line. Remember the story of the Hare and the Tortoise? Come out strong and aggressive and 'hope' that you do not break your race car or put too much wear on your tires. Or, another approach could be to run the race slow but steady. Both can get you to the finish line.\u003c/p\u003e\n\n\u003cp\u003eWhat will be your strategy for your life? You may be able to claim Victory after a successful career but what comes next? Near the end of the working part of your life there may be many unknown questions and challenges. Having a crew chief (like a coach) to help you can get you to see that there can be an amazing life after you finish your career. One such person is our guest today, Allan Milham.\u003c/p\u003e\n\n\u003cp\u003eAllan Milham is the founder at Questage, a leadership consulting firm based in Phoenix, AZ. Questage focuses on helping entrepreneurs in the third stage of their life rediscover themselves and maintain the drive and passions that fueled their lives before retirement. Retirement doesn't have to be the end of one's life, and Allan will discuss how seniors can make the best of their twilight years, cementing their legacy and giving back to their communities in ways they may have never thought possible. \u003c/p\u003e\n\n\u003cp\u003eAllan has logged over 15,000 hours working with top leaders and their executive teams. From his early work coaching US Olympians to his current work helping aging entrepreneurs, Allan has decades of experience that he will be sharing with us today.\u003c/p\u003e\n\n\u003cp\u003eAllan will be discussing:\u003cbr\u003e\nLife after retirement\u003cbr\u003e\nMaking the most out of the third stage of life\u003cbr\u003e\nCreating a legacy\u003cbr\u003e\nHaving a positive mindset\u003cbr\u003e\nThe wisdom that comes with age\u003c/p\u003e\n\n\u003cp\u003eIs it as simple as \"Don't Sweat the Small Stuff\"? Can this be the key to a happy life yet we only understand this when we get older or reach the finish line? Listen to this episode to find out.\u003c/p\u003e\u003cp\u003eSpecial Guest: Allan Milham.\u003c/p\u003e","summary":"In an endurance race there are many strategies you can use to get to the finish line. Remember the story of the Hare and the Tortoise? Come out strong and aggressive and 'hope' that you do not break your race car or put too much wear on your tires. Or, another approach could be to run the race slow but steady. Both can get you to the finish line.","date_published":"2021-08-06T17:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/ac5e96d6-4dc8-4179-bb04-0a8c773dcabb.mp3","mime_type":"audio/mpeg","size_in_bytes":74760904,"duration_in_seconds":3114}]},{"id":"602e1554-1c56-4173-a19c-de43b41a143a","title":"Episode 53: Is Playing Defense the Best Offense for Your Retirement?","url":"https://smartretirement.fireside.fm/episode53","content_text":"After what we experienced with the Covid pandemic, a lot of us are still recovering from the economic impact but some are already looking ahead and putting Financial Defenses in play to prepare for the next period of uncertainty.\n\nSurveying 2300 adults in 2021, 58% of Americans say they are in \"Financial Recovery Mode\".  When asked what was their best defense was against future economic uncertainty, the two main answers were having a Contingency Fund (some call it an Emergency fund but I feel that subconsciously that can cause you to actually create an emergency) or savings (30%), and having a financial plan (27%).  Even so, only 14% of those in financial recovery mode are looking more than 5 years out, compared to 24% planning month to month. \n\nSeems like us Americans are still thinking too short term and often are more centered around life events like saving for a wedding or other short-term expenses.  Instead, a longer term view should also be considered.  Please think about implementing, as soon as possible, at least these five financial defenses that can help you build wealth and prepare you for any other future economic uncertainty.\n\n1) Prioritize your Savings - Having a Contingency Saving account is crucial for your financial future. The survey found personal savings increased 10% with an average of $73,100. Some experts recommend you should save between 6 to 12 months worth of expenses in your Contingency Savings account. Be careful not to have the temptation to say 'yes' to everything like going out to eat, concerts and vacations. Be reasonable. Be responsible.\n\n2) Pay Down Debt - Paying down high interest cards is a must. The interest charged should be perceived like a ROI when it comes to the decision of savings versus paying off debt. You have two options in paying off debt. The \"snowball method\" - pay down debt with the lowest balances first. The 'avalanche method\" - where you first pay down the highest APR first.\n\n3) Get Your Credit Score up - Your financial life depends on having a good credit score. The better the score the easier it is to get loans and lines of credit and it definitely helps lower the interest rate on those loans. This can save you more money for you to use for saving. Ways to improve your credit score include paying your bills timely, lowering your credit card utilization ratio (keep below 30%, 10% is better) and monitoring your score for errors. FICO breakdown - Factors that impact your credit score: 35% Payment history. 30% Utilization. 15% Length of credit history. 10% New credit. 10% Credit mix.\n\n4) Save for Retirement - Knowing it is sometimes hard to think about when you have more immediate financial goals but saving for your retirement should be more like a mindset and look at as a way of creating wealth accumulation. Think of it as where your money is there to create more money. Einstein once said, \"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it\". Someone investing at 25 needs to invest much less money to reach $1 million by retirement. Assuming a 7% annual return, compounded monthly, with a retirement age of 67, someone at 25 only needs to save $330 a month versus $475 a month if you are 30, versus $700 a month if you are 35 and $1,045 a month if you are 40 years old.\n\n5) Get Insured - Do not overlook the need for insurance like long-term care, medical, auto and even umbrella insurance to protect your assets. Having these insurances can act as a safety net and help you avoid surprise expenses that can deplete your assets or put you in debt.\n\nGiven what we all went through recently with the pandemic, it is a good time to reflect on your priorities for the future. Let's consider focusing on all of these defenses we discussed so that we can have a great life during retirement.","content_html":"\u003cp\u003eAfter what we experienced with the Covid pandemic, a lot of us are still recovering from the economic impact but some are already looking ahead and putting Financial Defenses in play to prepare for the next period of uncertainty.\u003c/p\u003e\n\n\u003cp\u003eSurveying 2300 adults in 2021, 58% of Americans say they are in \"Financial Recovery Mode\".  When asked what was their best defense was against future economic uncertainty, the two main answers were having a Contingency Fund (some call it an Emergency fund but I feel that subconsciously that can cause you to actually create an emergency) or savings (30%), and having a financial plan (27%).  Even so, only 14% of those in financial recovery mode are looking more than 5 years out, compared to 24% planning month to month. \u003c/p\u003e\n\n\u003cp\u003eSeems like us Americans are still thinking too short term and often are more centered around life events like saving for a wedding or other short-term expenses.  Instead, a longer term view should also be considered.  Please think about implementing, as soon as possible, at least these five financial defenses that can help you build wealth and prepare you for any other future economic uncertainty.\u003c/p\u003e\n\n\u003cp\u003e1) Prioritize your Savings - Having a Contingency Saving account is crucial for your financial future. The survey found personal savings increased 10% with an average of $73,100. Some experts recommend you should save between 6 to 12 months worth of expenses in your Contingency Savings account. Be careful not to have the temptation to say 'yes' to everything like going out to eat, concerts and vacations. Be reasonable. Be responsible.\u003c/p\u003e\n\n\u003cp\u003e2) Pay Down Debt - Paying down high interest cards is a must. The interest charged should be perceived like a ROI when it comes to the decision of savings versus paying off debt. You have two options in paying off debt. The \"snowball method\" - pay down debt with the lowest balances first. The 'avalanche method\" - where you first pay down the highest APR first.\u003c/p\u003e\n\n\u003cp\u003e3) Get Your Credit Score up - Your financial life depends on having a good credit score. The better the score the easier it is to get loans and lines of credit and it definitely helps lower the interest rate on those loans. This can save you more money for you to use for saving. Ways to improve your credit score include paying your bills timely, lowering your credit card utilization ratio (keep below 30%, 10% is better) and monitoring your score for errors. FICO breakdown - Factors that impact your credit score: 35% Payment history. 30% Utilization. 15% Length of credit history. 10% New credit. 10% Credit mix.\u003c/p\u003e\n\n\u003cp\u003e4) Save for Retirement - Knowing it is sometimes hard to think about when you have more immediate financial goals but saving for your retirement should be more like a mindset and look at as a way of creating wealth accumulation. Think of it as where your money is there to create more money. Einstein once said, \"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it\". Someone investing at 25 needs to invest much less money to reach $1 million by retirement. Assuming a 7% annual return, compounded monthly, with a retirement age of 67, someone at 25 only needs to save $330 a month versus $475 a month if you are 30, versus $700 a month if you are 35 and $1,045 a month if you are 40 years old.\u003c/p\u003e\n\n\u003cp\u003e5) Get Insured - Do not overlook the need for insurance like long-term care, medical, auto and even umbrella insurance to protect your assets. Having these insurances can act as a safety net and help you avoid surprise expenses that can deplete your assets or put you in debt.\u003c/p\u003e\n\n\u003cp\u003eGiven what we all went through recently with the pandemic, it is a good time to reflect on your priorities for the future. Let's consider focusing on all of these defenses we discussed so that we can have a great life during retirement.\u003c/p\u003e","summary":"In this episode Matt \u0026 Jeff talk about the 5 defenses they have selected to help defend your retirement. With all of the unknowns that life can throw at us, this is an episode you do not want to miss.","date_published":"2021-07-22T16:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/602e1554-1c56-4173-a19c-de43b41a143a.mp3","mime_type":"audio/mpeg","size_in_bytes":69875170,"duration_in_seconds":2911}]},{"id":"3e139bea-d4fe-4626-bc50-3e5a58bd7a60","title":"Episode 52: Life Begins on the Edge of Your Comfort Zone","url":"https://smartretirement.fireside.fm/episode52","content_text":"Ask yourself - by the time you retire, will you really have the health and energy to do all the fun things you dreamt about?? It's one thing to have the resources to retire comfortably but if you wait too long will you be physically fit and have the motivation to do the activities you also wanted to do? For some people, that might not be the case. If you are still in your 40's or 50's why not think about creating a lifestyle where you take mini-retirement vacations throughout your lifetime. Why wait until the tail-end of your life?\n\nMost think Retirement means not having to go to work. If that is the case, we all got a taste of that during Covid. Did you stay active and on purpose? Probably not. I think to have a happy retirement you have to have a purpose and plenty of activities to do that are related to your purpose or goals. But as an alternative, take \"mini-retirement vacations\", maybe a month or so at a time when you are younger and plan to do some of the more adventurous trips or activities that you thought you wanted to do during retirement.\n\nWhen we are racing, we are always trying to reach the maximum grip that our tires can give us. This typically means that we are modulating the gas pedal right on the edge of the car sliding or not sliding. For some this can be scary and for others this is where the fun begins.\n\nAs we get older, our risk tolerance definitely changes. Some of the adventurous things you have on your retirement bucket list you may not\ndo later in life because of the risks. Why not do those activities when you are younger on one of your mini-retirement vacations?\n\nIf Life Begins on the Edge of your Comfort then make sure you do not get too comfortable and miss out on a spectacular life!","content_html":"\u003cp\u003eAsk yourself - by the time you retire, will you really have the health and energy to do all the fun things you dreamt about?? It's one thing to have the resources to retire comfortably but if you wait too long will you be physically fit and have the motivation to do the activities you also wanted to do? For some people, that might not be the case. If you are still in your 40's or 50's why not think about creating a lifestyle where you take mini-retirement vacations throughout your lifetime. Why wait until the tail-end of your life?\u003c/p\u003e\n\n\u003cp\u003eMost think Retirement means not having to go to work. If that is the case, we all got a taste of that during Covid. Did you stay active and on purpose? Probably not. I think to have a happy retirement you have to have a purpose and plenty of activities to do that are related to your purpose or goals. But as an alternative, take \"mini-retirement vacations\", maybe a month or so at a time when you are younger and plan to do some of the more adventurous trips or activities that you thought you wanted to do during retirement.\u003c/p\u003e\n\n\u003cp\u003eWhen we are racing, we are always trying to reach the maximum grip that our tires can give us. This typically means that we are modulating the gas pedal right on the edge of the car sliding or not sliding. For some this can be scary and for others this is where the fun begins.\u003c/p\u003e\n\n\u003cp\u003eAs we get older, our risk tolerance definitely changes. Some of the adventurous things you have on your retirement bucket list you may not\u003cbr\u003e\ndo later in life because of the risks. Why not do those activities when you are younger on one of your mini-retirement vacations?\u003c/p\u003e\n\n\u003cp\u003eIf Life Begins on the Edge of your Comfort then make sure you do not get too comfortable and miss out on a spectacular life!\u003c/p\u003e","summary":"Ask yourself - by the time you retire, will you really have the health and energy to do all the fun things you dreamt about?? It's one thing to have the resources to retire comfortably but if you wait too long will you be physically fit and have the motivation to do the activities you also wanted to do? For some people, that might not be the case. If you are still in your 40's or 50's why not think about creating a lifestyle where you take mini-retirement vacations throughout your lifetime. Why wait until the tail-end of your life?","date_published":"2021-06-30T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/3e139bea-d4fe-4626-bc50-3e5a58bd7a60.mp3","mime_type":"audio/mpeg","size_in_bytes":53397338,"duration_in_seconds":2224}]},{"id":"f258ea4c-2a83-4d3b-89a9-07a3d7afa245","title":"Episode 51: The importance of being your own Boss vs being an Employee","url":"https://smartretirement.fireside.fm/episode51","content_text":"Are you Risk Averse? Being your own boss requires some degree of risk. How good are you with dealing with risks and can you look at risk as a fun and rewarding challenge? In racing, every lap takes you approx. 2 min, each lap we get a new  challenge or opportunity to do better. As a business owner, everyday is a new challenge. Sometimes with many rewards. Are you ready for that opportunity?\n\nOne of the best perks about being your own boss is that you not only get to create an amazing job and work environment for yourself but for others, as well. By creating your own company and hiring staff, you're giving back to others, as well as to the local and national economy.\n\nYou earn more money. On average, freelancers earn 45% more than those who are traditionally employed. They're also allowed to deduct certain business expenses that employees are not, allowing them to actually keep more of what they earn.\n\nIt's true that when you run your own business you will have much less job security than when you work for someone else's company, or at least until your business becomes a success and starts to generate a good income.","content_html":"\u003cp\u003eAre you Risk Averse? Being your own boss requires some degree of risk. How good are you with dealing with risks and can you look at risk as a fun and rewarding challenge? In racing, every lap takes you approx. 2 min, each lap we get a new  challenge or opportunity to do better. As a business owner, everyday is a new challenge. Sometimes with many rewards. Are you ready for that opportunity?\u003c/p\u003e\n\n\u003cp\u003eOne of the best perks about being your own boss is that you not only get to create an amazing job and work environment for yourself but for others, as well. By creating your own company and hiring staff, you're giving back to others, as well as to the local and national economy.\u003c/p\u003e\n\n\u003cp\u003eYou earn more money. On average, freelancers earn 45% more than those who are traditionally employed. They're also allowed to deduct certain business expenses that employees are not, allowing them to actually keep more of what they earn.\u003c/p\u003e\n\n\u003cp\u003eIt's true that when you run your own business you will have much less job security than when you work for someone else's company, or at least until your business becomes a success and starts to generate a good income.\u003c/p\u003e","summary":"In this episode Matt and Jeff talk about how owning your own business has many benefits, but can you handle the risks? \r\n\r\nAre you Risk Averse? Being your own boss requires some degree of risk. How good are you with dealing with risks and can you look at risk as a fun and rewarding challenge? In racing, every lap takes you approx. 2 min, each lap we get a new  challenge or opportunity to do better. As a business owner, everyday is a new challenge. Sometimes with many rewards. Are you ready for that opportunity?","date_published":"2021-06-18T14:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/f258ea4c-2a83-4d3b-89a9-07a3d7afa245.mp3","mime_type":"audio/mpeg","size_in_bytes":57891235,"duration_in_seconds":2411}]},{"id":"d88d17ac-2d89-4d34-8b9c-e5b13ff1c867","title":"Episode 50: Inflation - How it can mess with your retirement plans!   ","url":"https://smartretirement.fireside.fm/episode50","content_text":"In this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.\n\nWe also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.","content_html":"\u003cp\u003eIn this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.\u003c/p\u003e\n\n\u003cp\u003eWe also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.\u003c/p\u003e","summary":"In this episode Mike, Matt and guest speaker Jeff discuss how inflation can be the silent killer to your business and retirement portfolio. With all the government stimulus and businesses having to increase wages to attract good talent, the cost of living is increasing. We discuss steps to counterbalance inflation so that it does not have a significant affect in your future.\r\n\r\n \r\n\r\nWe also give a sincere good-bye to Mike and introduce Jeff Shulem, CPA as the new co-host to the podcast.","date_published":"2021-06-02T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/d88d17ac-2d89-4d34-8b9c-e5b13ff1c867.mp3","mime_type":"audio/mpeg","size_in_bytes":62171346,"duration_in_seconds":2590}]},{"id":"143b4cb1-1c74-4b11-888b-be93a30b5af4","title":"Episode 49: What is Cryptocurrency, and is it worth owning?","url":"https://smartretirement.fireside.fm/crpyto","content_text":"In this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.Special Guest: Michael Noel, CBP.","content_html":"\u003cp\u003eIn this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.\u003c/p\u003e\u003cp\u003eSpecial Guest: Michael Noel, CBP.\u003c/p\u003e","summary":"In this episode Mike and Matt bring on a guest that was involved in the beginning creations of cryptocurrency. Michael Noel, Certified Blockchain Professional with Blockchain Consultants. Michael Co-Founded Blockchain Consultants, Inc. in 2016. He has been helping companies in multiple industries adopt Distributed Ledger Technology ever since. This is more of an educational show on how Cryptocurrency really works, and less about why you should hold or not hold some cryptocurrency in your retirement portfolio. Once again, the guys are bringing on more guests from different walks of life to help listeners get more informed decisions about products and investment options out in the World to help you retire smarter.","date_published":"2021-05-19T07:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/143b4cb1-1c74-4b11-888b-be93a30b5af4.mp3","mime_type":"audio/mpeg","size_in_bytes":66700979,"duration_in_seconds":2779}]},{"id":"e8c42704-a048-4d71-978d-64b1ce5a7309","title":"Episode 48: Thinking like a Retiree in your 40’s \u0026 50’s – Part 3","url":"https://smartretirement.fireside.fm/thinkinglikearetireepart3","content_text":"This is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s \u0026amp; 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s \u0026amp; 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.\n\nWho is The Pacific Financial Group - https://www.youtube.com/watch?v=o1FIvDjEUoE\u0026amp;feature=youtu.be\n\nAdvisory services are offered through The Pacific Financial Group, Inc. a registered investment adviser registered with the U.S. Securities and Exchange Commission. Nothing in this message shall be construed as an offer to buy/sell or to otherwise provide financial advice or services (“Services”) as such Services can only be provided after the proper delivery of required disclosures and investment suitability is reviewed.  Century Financial Consultants/Smart Retirement Podcast, have no affiliation with The Pacific Financial Group.Special Guest: Sylvain Templeman.","content_html":"\u003cp\u003eThis is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s \u0026amp; 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s \u0026amp; 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.\u003c/p\u003e\n\n\u003cp\u003eWho is The Pacific Financial Group - \u003ca href=\"https://www.youtube.com/watch?v=o1FIvDjEUoE\u0026amp;feature=youtu.be\" rel=\"nofollow noopener\"\u003ehttps://www.youtube.com/watch?v=o1FIvDjEUoE\u0026amp;feature=youtu.be\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eAdvisory services are offered through The Pacific Financial Group, Inc. a registered investment adviser registered with the U.S. Securities and Exchange Commission. Nothing in this message shall be construed as an offer to buy/sell or to otherwise provide financial advice or services (“Services”) as such Services can only be provided after the proper delivery of required disclosures and investment suitability is reviewed.  Century Financial Consultants/Smart Retirement Podcast, have no affiliation with The Pacific Financial Group.\u003c/p\u003e\u003cp\u003eSpecial Guest: Sylvain Templeman.\u003c/p\u003e","summary":"This is the final episode in our 3 part series that helps listeners focus on simple ways to start thinking like you are a retiree in your 40’s \u0026 50’s, so that you can take advantage of your best asset - TIME. In this episode, Matt has the chance to interview Sylvain Templeman, Executive Vice President and National Sales Manager of The Pacific Financial Group. They go into detail about the concept of turning all, or some, of your 401(k) into a self-directed fund that gives Investors so many options they are not used to taking advantage of with their current Custodian. What is great about this episode is how Sylvain takes the time to explain how he brings so many other retirement options “to the table”; and, he explains how almost everyone with a 401(k) can take advantage of this opportunity. It's important to think of how this style of investing in your 40’s \u0026 50’s can provide with all types of alternatives that keep you involved with your allocation, and diversification options, a good 10-20 years before you have to retire and start wondering what you are going to do at that time to make your money last.","date_published":"2021-05-05T16:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/e8c42704-a048-4d71-978d-64b1ce5a7309.mp3","mime_type":"audio/mpeg","size_in_bytes":51542853,"duration_in_seconds":2147}]},{"id":"c6b6221c-143b-47e6-b750-8952518a4ea1","title":"Episode 47: Thinking like a Retiree in your 40’s \u0026 50’s – Part 2","url":"https://smartretirement.fireside.fm/thinkinglikearetireepart2","content_text":"In this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.","content_html":"\u003cp\u003eIn this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.\u003c/p\u003e","summary":"In this episode, Mike and Matt lay the groundwork to help you start understanding what the average amount you should have in your retirement accounts when you are in your 30’s, 40’s, and 50’s. In addition to that, Matt helps those revisit or understand for the first time, the concept of maximizing your “free money” with your 401k match with the Employer, then your tax deferred savings, and then caps off the conversation with your tax free savings. He saves the best idea for last when he explains the various ways that an indexed universal life insurance product can give you the opportunity to build more wealth over time with a secure return that you can borrow against tax free, and all while not having to make a repayment since you are your own Bank…it’s pretty cool stuff.","date_published":"2021-04-14T18:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/c6b6221c-143b-47e6-b750-8952518a4ea1.mp3","mime_type":"audio/mpeg","size_in_bytes":51970425,"duration_in_seconds":2165}]},{"id":"3a13c9d6-0f7a-4b31-9be5-a4a70d1bf030","title":"Episode 46: Thinking like a Retiree in your 40’s \u0026 50’s - Part 1","url":"https://smartretirement.fireside.fm/thinkinglikearetireepart1","content_text":"This show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a  discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.  ","content_html":"\u003cp\u003eThis show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a  discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.  \u003c/p\u003e","summary":"This show begins a 3-part Series where the guys will go into detail on how to habitually prepare for retirement in your 40’s and 50’s, so that you can retire sooner with confidence. The episode starts with Mike and Matt quickly warming up with a  discussion about the asset inflation taking place in the U.S. Real Estate Market – in January the Year-over-Year National average price increase for Real Estate was 11.2%, and this was a 15 year high. Additionally, they discussed how the lack of Affordable homes will affect everyone, but truly is affecting the First Time home buyer the most and those that are renting who don’t have the means for a down payment. As they come back from the break, the guys lay out the major “hurdles” and focal points those in their mid-40’s to late 50’s as retirement nears closer and closer, such as: Debt consolidation; optimizing your 401(k) distributions; calculate your net worth; and, have good discussions with those that are Retirees.  ","date_published":"2021-03-31T12:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/3a13c9d6-0f7a-4b31-9be5-a4a70d1bf030.mp3","mime_type":"audio/mpeg","size_in_bytes":54075059,"duration_in_seconds":2252}]},{"id":"4473943a-76fa-43ef-882f-027297964b68","title":"Episode 45: The Value of Preventing Health Care Costs in Retirement - Part 2","url":"https://smartretirement.fireside.fm/healthriskpart2","content_text":"Follow along as Mike and Matt discuss the many ways to financially plan for the “curve balls” your health will throw at you. There’s a Health Savings Account (HSA) discussion in this episode that will have you rethinking the way that you position your health care dollars that saves you money today, but helps you load up your “piggy bank” before the Medicare Health guidelines eliminate your ability to start-up an HSA. Then, just after the break Matt brings up some really brilliant ways to approach qualifying and paying for Long Term Care insurance, as we wrap-up this 2 part series. Also, don’t forget to watch the guys live on Youtube, as they toast you listeners with their GREEN beer for St. Patrick’s Day.","content_html":"\u003cp\u003eFollow along as Mike and Matt discuss the many ways to financially plan for the “curve balls” your health will throw at you. There’s a Health Savings Account (HSA) discussion in this episode that will have you rethinking the way that you position your health care dollars that saves you money today, but helps you load up your “piggy bank” before the Medicare Health guidelines eliminate your ability to start-up an HSA. Then, just after the break Matt brings up some really brilliant ways to approach qualifying and paying for Long Term Care insurance, as we wrap-up this 2 part series. Also, don’t forget to watch the guys live on Youtube, as they toast you listeners with their GREEN beer for St. Patrick’s Day.\u003c/p\u003e","summary":"Follow along as Mike and Matt discuss the many ways to financially plan for the “curve balls” your health will throw at you. There’s a Health Savings Account (HSA) discussion in this episode that will have you rethinking the way that you position your health care dollars that saves you money today, but helps you load up your “piggy bank” before the Medicare Health guidelines eliminate your ability to start-up an HSA. Then, just after the break Matt brings up some really brilliant ways to approach qualifying and paying for Long Term Care insurance, as we wrap-up this 2 part series. Also, don’t forget to watch the guys live on Youtube, as they toast you listeners with their GREEN beer for St. Patrick’s Day.","date_published":"2021-03-17T08:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/4473943a-76fa-43ef-882f-027297964b68.mp3","mime_type":"audio/mpeg","size_in_bytes":68662043,"duration_in_seconds":2860}]},{"id":"f79a20b1-59aa-4163-8aa1-06e7e2d963bf","title":"Episode 44: The Value of Preventing Health Care Costs in Retirement - Part 1","url":"https://smartretirement.fireside.fm/healthriskpart1","content_text":"In this episode Mike and Matt begin this two part series with the guest appearance of Dr. Ken Ota from his very own O Longevity \u0026amp; Wellness Clinic in Scottsdale, AZ. The guys had him on the show to touch on the true benefits of preventative health care and medicine, as it pertains to those in their mid-life, or approaching retirement age.  Also, the 3 of them discuss the philosophy of focus on one’s physical and mental health, in an effort to help listeners refocus on the way they approach their own personal health care. Ultimately, this episode is to promote the true long term value in being healthy so that you can “reap what you have sown”  in retirement and enjoy longevity. The second part of this Series will be more financially focused, as the guys discuss the many resources and tools that Matt advises his clients to utilize when paying for Health Care, so please tune-in to that as well.Special Guest: Dr. Ken Ota.","content_html":"\u003cp\u003eIn this episode Mike and Matt begin this two part series with the guest appearance of Dr. Ken Ota from his very own O Longevity \u0026amp; Wellness Clinic in Scottsdale, AZ. The guys had him on the show to touch on the true benefits of preventative health care and medicine, as it pertains to those in their mid-life, or approaching retirement age.  Also, the 3 of them discuss the philosophy of focus on one’s physical and mental health, in an effort to help listeners refocus on the way they approach their own personal health care. Ultimately, this episode is to promote the true long term value in being healthy so that you can “reap what you have sown”  in retirement and enjoy longevity. The second part of this Series will be more financially focused, as the guys discuss the many resources and tools that Matt advises his clients to utilize when paying for Health Care, so please tune-in to that as well.\u003c/p\u003e\u003cp\u003eSpecial Guest: Dr. Ken Ota.\u003c/p\u003e","summary":"In this episode Mike and Matt begin this two part series with the guest appearance of Dr. Ken Ota from his very own O Longevity \u0026 Wellness Clinic in Scottsdale, AZ. The guys had him on the show to touch on the true benefits of preventative health care and medicine, as it pertains to those in their mid-life, or approaching retirement age.  Also, the 3 of them discuss the philosophy of focus on one’s physical and mental health, in an effort to help listeners refocus on the way they approach their own personal health care. Ultimately, this episode is to promote the true long term value in being healthy so that you can “reap what you have sown”  in retirement and enjoy longevity. The second part of this Series will be more financially focused, as the guys discuss the many resources and tools that Matt advises his clients to utilize when paying for Health Care, so please tune-in to that as well.","date_published":"2021-03-02T16:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/f79a20b1-59aa-4163-8aa1-06e7e2d963bf.mp3","mime_type":"audio/mpeg","size_in_bytes":68273968,"duration_in_seconds":2844}]},{"id":"0b438074-64fb-47f7-8631-1be0d3645be1","title":"Episode 43: A Quick Check in After President’s Day","url":"https://smartretirement.fireside.fm/presidentsdaycheckin","content_text":"In this episode Mike and Matt just do a quick “check-in” with listeners following the President’s Day weekend. Mike speaks briefly about the status of the 10-Year U.S. Treasury Note and the importance of this index being above 1.20% currently, and how that has an effect on the mortgage rate markets. While Matt spends a few minutes on setting us up for our March 2-part series that will help listeners prepare for various ways to protect themselves from Health Care risks and expenses in Retirement.\n\nPlease check out our You Tube channel, and Subscribe so that you get all of our new content as soon as it’s fresh! Click Here.","content_html":"\u003cp\u003eIn this episode Mike and Matt just do a quick “check-in” with listeners following the President’s Day weekend. Mike speaks briefly about the status of the 10-Year U.S. Treasury Note and the importance of this index being above 1.20% currently, and how that has an effect on the mortgage rate markets. While Matt spends a few minutes on setting us up for our March 2-part series that will help listeners prepare for various ways to protect themselves from Health Care risks and expenses in Retirement.\u003c/p\u003e\n\n\u003cp\u003ePlease check out our You Tube channel, and Subscribe so that you get all of our new content as soon as it’s fresh! \u003ca href=\"https://www.youtube.com/channel/UCkylXofeMjBXlRLkt_QChXg\" rel=\"nofollow noopener\"\u003eClick Here.\u003c/a\u003e\u003c/p\u003e","summary":"In this episode Mike and Matt just do a quick “check-in” with listeners following the President’s Day weekend. Mike speaks briefly about the status of the 10-Year U.S. Treasury Note and the importance of this index being above 1.20% currently, and how that has an effect on the mortgage rate markets. While Matt spends a few minutes on setting us up for our March 2-part series that will help listeners prepare for various ways to protect themselves from Health Care risks and expenses in Retirement.","date_published":"2021-02-17T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/0b438074-64fb-47f7-8631-1be0d3645be1.mp3","mime_type":"audio/mpeg","size_in_bytes":32283293,"duration_in_seconds":1344}]},{"id":"f70a1f64-5672-4657-8e8e-1b2b90e4efd8","title":"Episode 42:  \"What Does a Biden Victory Mean for my Retirement?\"","url":"https://smartretirement.fireside.fm/bidenvictory","content_text":"We are very proud to announce that we are now recording our Podcast as both a Video \u0026amp; Podcast! You can listen and watch now at the same time!!! Here’s the link to our YouTube channel – Smart Retirement Podcast.\n\nIn this episode Mike and Matt touch discuss a “White Paper” that Matt Hollander sent out to his clients titled “What does a Biden Victory Mean for Me?” The guys touch on the fact that Political Parties don’t have a direct correlation to the Securities market but the changing of Parties has historically shown volatility in the Markets.  Furthermore, the guys touch on some other interesting insights on what Tax proposals are at the top-of-Biden’s list for America, and how to prepare for what the Biden Administration’s focus is over the next 4 years.  Additionally, if you’d like to receive this article, please email us at info@smartretirementcast.com or give us a call at (866) 53-RETIRE.","content_html":"\u003cp\u003eWe are very proud to announce that we are now recording our Podcast as both a Video \u0026amp; Podcast! You can listen and watch now at the same time!!! Here’s the link to our YouTube channel – \u003ca href=\"https://www.youtube.com/channel/UCkylXofeMjBXlRLkt_QChXg\" rel=\"nofollow noopener\"\u003eSmart Retirement Podcast\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eIn this episode Mike and Matt touch discuss a “White Paper” that Matt Hollander sent out to his clients titled “What does a Biden Victory Mean for Me?” The guys touch on the fact that Political Parties don’t have a direct correlation to the Securities market but the changing of Parties has historically shown volatility in the Markets.  Furthermore, the guys touch on some other interesting insights on what Tax proposals are at the top-of-Biden’s list for America, and how to prepare for what the Biden Administration’s focus is over the next 4 years.  Additionally, if you’d like to receive this article, please email us at \u003ca href=\"mailto:info@smartretirementcast.com\" rel=\"nofollow noopener\"\u003einfo@smartretirementcast.com\u003c/a\u003e or give us a call at (866) 53-RETIRE.\u003c/p\u003e","summary":"In this episode Mike and Matt touch discuss a “White Paper” that Matt Hollander sent out to his clients titled “What does a Biden Victory Mean for Me?” The guys touch on the fact that Political Parties don’t have a direct correlation to the Securities market but the changing of Parties has historically shown volatility in the Markets.  Furthermore, the guys touch on some other interesting insights on what Tax proposals are at the top-of-Biden’s list for America, and how to prepare for what the Biden Administration’s focus is over the next 4 years.  Additionally, if you’d like to receive this article, please email us at [info@smartretirementcast.com](info@smartretirementcast.com) or give us a call at (866) 53-RETIRE.\r\n\r\nWe are very proud to announce that we are now recording our Podcast as both a Video \u0026 Podcast! You can listen and watch now at the same time!!! Here’s the link to our YouTube channel – [Smart Retirement Podcast](https://www.youtube.com/channel/UCkylXofeMjBXlRLkt_QChXg).","date_published":"2021-02-02T17:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/f70a1f64-5672-4657-8e8e-1b2b90e4efd8.mp3","mime_type":"audio/mpeg","size_in_bytes":56856786,"duration_in_seconds":2368}]},{"id":"a1a4fc22-bd85-4999-bd10-1764fa463b45","title":"Episode 41: Qualifying for a Mortgage with Little to No Income","url":"https://smartretirement.fireside.fm/littletonoincomemortgage","content_text":"In this episode Mike and Matt kick off the show with the current status of the Gold \u0026amp; Silver Market, as well as what to watch for as the 10 year Treasury Note makes a come back from its drastic decline in 2020 – see helpful link below to track the performance of the 10 YR U.S. Treasury Note. Also, Mike spends a good portion of the Show focusing on the SMART ways to provide Lenders with proof that you can repay a Conventional mortgage without showing much, if any, income. Mike elaborates on the 3 different ways he helps Retirees that have limited traditional income still qualify for a mortgage whether the loan is for the purpose of a refinance or a purchase of Real Estate. The tips that He provides can help you finance a Primary residence, 2nd Home or even an Investment property so this may be just what you’re looking for to help you finance your next deal. \n\nWSJ.com – 10 YR Treasury Note referenced in the SHOW – Click here","content_html":"\u003cp\u003eIn this episode Mike and Matt kick off the show with the current status of the Gold \u0026amp; Silver Market, as well as what to watch for as the 10 year Treasury Note makes a come back from its drastic decline in 2020 – see helpful link below to track the performance of the 10 YR U.S. Treasury Note. Also, Mike spends a good portion of the Show focusing on the SMART ways to provide Lenders with proof that you can repay a Conventional mortgage without showing much, if any, income. Mike elaborates on the 3 different ways he helps Retirees that have limited traditional income still qualify for a mortgage whether the loan is for the purpose of a refinance or a purchase of Real Estate. The tips that He provides can help you finance a Primary residence, 2nd Home or even an Investment property so this may be just what you’re looking for to help you finance your next deal. \u003c/p\u003e\n\n\u003cp\u003eWSJ.com – 10 YR Treasury Note referenced in the SHOW – \u003ca href=\"https://www.wsj.com/market-data/quotes/bond/BX/TMUBMUSD10Y/historical-prices\" rel=\"nofollow noopener\"\u003eClick here\u003c/a\u003e\u003c/p\u003e","summary":"In this episode Mike and Matt kick off the show with the current status of the Gold \u0026 Silver Market, as well as what to watch for as the 10 year Treasury Note makes a come back from its drastic decline in 2020. Also, Mike spends a good portion of the Show focusing on the SMART ways to provide Lenders with proof that you can repay a Conventional mortgage without showing much, if any, income. Mike elaborates on the 3 different ways he helps Retirees that have limited traditional income still qualify for a mortgage whether the loan is for the purpose of a refinance or a purchase of Real Estate. The tips that he provides can help you finance a Primary residence, 2nd Home or even an Investment property so this may be just what you’re looking for to help you finance your next deal.","date_published":"2021-01-19T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/a1a4fc22-bd85-4999-bd10-1764fa463b45.mp3","mime_type":"audio/mpeg","size_in_bytes":49402484,"duration_in_seconds":2058}]},{"id":"2cf9ca3f-cce6-4763-8f05-dae94ec1dca1","title":"Episode 40: Things to expect from the Real Estate Market in 2021","url":"https://smartretirement.fireside.fm/2021realestate","content_text":"In this episode Mike and Matt touch on the forecasts for the U.S. Real Estate market in 2021. The guys discuss points brought up in a 2021 Redfin Real Estate article, as Mike gives his “2 cents” on what happened in many transactions in 2020, as well as what listeners can expect when buying Real Estate in 2021. Matt provides some good insight on his local Market in Phoenix/Scottsdale, AZ region and why Zillow thinks there could very will be double-digit price increases in 2021.\n\nThe article that the guys referenced in this show is on our Facebook page @ https://www.facebook.com/smartretirementpodcast\n\nAlso, please go check out our other great episodes on our very on webpage - https://www.smartretirementcast.com/episodes","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the forecasts for the U.S. Real Estate market in 2021. The guys discuss points brought up in a 2021 Redfin Real Estate article, as Mike gives his “2 cents” on what happened in many transactions in 2020, as well as what listeners can expect when buying Real Estate in 2021. Matt provides some good insight on his local Market in Phoenix/Scottsdale, AZ region and why Zillow thinks there could very will be double-digit price increases in 2021.\u003c/p\u003e\n\n\u003cp\u003eThe article that the guys referenced in this show is on our Facebook page @ \u003ca href=\"https://www.facebook.com/smartretirementpodcast\" rel=\"nofollow noopener\"\u003ehttps://www.facebook.com/smartretirementpodcast\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eAlso, please go check out our other great episodes on our very on webpage - \u003ca href=\"https://www.smartretirementcast.com/episodes\" rel=\"nofollow noopener\"\u003ehttps://www.smartretirementcast.com/episodes\u003c/a\u003e\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the forecasts for the U.S. Real Estate market in 2021. The guys discuss points brought up in a 2021 Redfin Real Estate article, as Mike gives his “2 cents” on what happened in many transactions in 2020, as well as what listeners can expect when buying Real Estate in 2021. Matt provides some good insight on his local Market in Phoenix/Scottsdale, AZ region and why Zillow thinks there could very will be double-digit price increases in 2021.","date_published":"2021-01-05T13:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/2cf9ca3f-cce6-4763-8f05-dae94ec1dca1.mp3","mime_type":"audio/mpeg","size_in_bytes":55644286,"duration_in_seconds":2318}]},{"id":"7c2f133a-055e-4f39-aca2-5969e3b01776","title":"Episode 39: A Christmas Special – The Christmas Price Index, and what’s the Deal with the Dow?  ","url":"https://smartretirement.fireside.fm/12daysofchristmas","content_text":"In this episode Mike and Matt embarrass  themselves with their reading of the 12 Days of Christmas Price Index—it’s a ridiculous way to share some cheer. Also, they make it a point to address the real reasons why the Dow Jones has recovered from it’s low of 18,519, in late March, to over 30,000 today at Christmas. And of course, they “pepper in” their personal opinions of the 2021 forecasts for the Markets.","content_html":"\u003cp\u003eIn this episode Mike and Matt embarrass  themselves with their reading of the 12 Days of Christmas Price Index—it’s a ridiculous way to share some cheer. Also, they make it a point to address the real reasons why the Dow Jones has recovered from it’s low of 18,519, in late March, to over 30,000 today at Christmas. And of course, they “pepper in” their personal opinions of the 2021 forecasts for the Markets.\u003c/p\u003e","summary":"In this episode Mike and Matt embarrass  themselves with their reading of the 12 Days of Christmas Price Index—it’s a ridiculous way to share some cheer. Also, they make it a point to address the real reasons why the Dow Jones has recovered from it’s low of 18,519, in late March, to over 30,000 today at Christmas. And of course, they “pepper in” their personal opinions of the 2021 forecasts for the Markets.","date_published":"2020-12-22T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/7c2f133a-055e-4f39-aca2-5969e3b01776.mp3","mime_type":"audio/mpeg","size_in_bytes":53254396,"duration_in_seconds":2218}]},{"id":"4eaa013a-91b2-4ad8-a41a-e78951d3534c","title":"Episode 38: Don’t let a Self-Directed IRA scare you","url":"https://smartretirement.fireside.fm/selfdirectedira","content_text":"In this episode Mike and Matt touch on the concept of increasing your Investment options through a Self-Directed IRA. The guys help you understand the DO’s \u0026amp; Don’t of properly setting up a Self-Directed IRA. Also, Mike goes over some of the classic Myths about this style of Investment strategy. Remember just because your are in control of this IRA doesn’t mean you can make-up your own rules. The key is to plan \u0026amp; play smart and this tool could really help you earn more interest while you seek out things that you are more interested in.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the concept of increasing your Investment options through a Self-Directed IRA. The guys help you understand the DO’s \u0026amp; Don’t of properly setting up a Self-Directed IRA. Also, Mike goes over some of the classic Myths about this style of Investment strategy. Remember just because your are in control of this IRA doesn’t mean you can make-up your own rules. The key is to plan \u0026amp; play smart and this tool could really help you earn more interest while you seek out things that you are more interested in.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the concept of increasing your Investment options through a Self-Directed IRA. The guys help you understand the DO’s \u0026 Don’t of properly setting up a Self-Directed IRA. Also, Mike goes over some of the classic Myths about this style of Investment strategy. Remember just because your are in control of this IRA doesn’t mean you can make-up your own rules. The key is to plan \u0026 play smart and this tool could really help you earn more interest while you seek out things that you are more interested in.","date_published":"2020-12-08T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/4eaa013a-91b2-4ad8-a41a-e78951d3534c.mp3","mime_type":"audio/mpeg","size_in_bytes":55644286,"duration_in_seconds":2318}]},{"id":"b39d5c8a-d68d-4c3a-802f-b0377aef3daa","title":"Episode 37: Pass the Estate Plans, with a side of Gravy – Happy Thanksgiving!","url":"https://smartretirement.fireside.fm/passtheestateplan","content_text":"In this episode Mike and Matt touch on why this time of year is a great opportunity to focus on the items that you need to be organized in your Estate Plan with your immediate Family; but, also your Parents or Grandparent’s plans as well. Matt goes over the basic necessities of  what you really should have completed, notarized, and in order so that is the unthinkable illness, or worse death, happens in the Family you are ready to comfortably take action.  Then, Mike touches on the proper way to utilize a Hard Money loan to help a Family Trust execute a cash out mortgage on a Real Estate asset in the Trust so that the beneficiaries can all receive their net proceeds, while the other sibling that keeps the Property benefits from the original tax basis that Mom \u0026amp; Dad held on the home.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on why this time of year is a great opportunity to focus on the items that you need to be organized in your Estate Plan with your immediate Family; but, also your Parents or Grandparent’s plans as well. Matt goes over the basic necessities of  what you really should have completed, notarized, and in order so that is the unthinkable illness, or worse death, happens in the Family you are ready to comfortably take action.  Then, Mike touches on the proper way to utilize a Hard Money loan to help a Family Trust execute a cash out mortgage on a Real Estate asset in the Trust so that the beneficiaries can all receive their net proceeds, while the other sibling that keeps the Property benefits from the original tax basis that Mom \u0026amp; Dad held on the home.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on why this time of year is a great opportunity to focus on the items that you need to be organized in your Estate Plan with your immediate Family; but, also your Parents or Grandparent’s plans as well. Matt goes over the basic necessities of  what you really should have completed, notarized, and in order so that is the unthinkable illness, or worse death, happens in the Family you are ready to comfortably take action.  Then, Mike touches on the proper way to utilize a Hard Money loan to help a Family Trust execute a cash out mortgage on a Real Estate asset in the Trust so that the beneficiaries can all receive their net proceeds, while the other sibling that keeps the Property benefits from the original tax basis that Mom \u0026 Dad held on the home.","date_published":"2020-11-24T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/b39d5c8a-d68d-4c3a-802f-b0377aef3daa.mp3","mime_type":"audio/mpeg","size_in_bytes":51792375,"duration_in_seconds":2157}]},{"id":"78c4783c-402e-4092-b735-5cc53f2fdb57","title":"Episode 36: Why isn’t anybody talking about the GDP? An election debrief","url":"https://smartretirement.fireside.fm/electiondebrief","content_text":"In this episode Mike and Matt touch on the historical performance of the U.S. Economy in Q3, and why Q4 will likely not be anywhere as good. Additionally, the guys debrief on the Presidential Election and the challenges that the Country faces with the end-of-the-Year discontinuance of the enhanced unemployment, mortgage relief, eviction bans and student loan forbearances. As smart retirees, we should be preparing for “WHO” is going to help repay the Government for the initial stimulus, and the one to come in 2021.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the historical performance of the U.S. Economy in Q3, and why Q4 will likely not be anywhere as good. Additionally, the guys debrief on the Presidential Election and the challenges that the Country faces with the end-of-the-Year discontinuance of the enhanced unemployment, mortgage relief, eviction bans and student loan forbearances. As smart retirees, we should be preparing for “WHO” is going to help repay the Government for the initial stimulus, and the one to come in 2021.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the historical performance of the U.S. Economy in Q3, and why Q4 will likely not be anywhere as good. Additionally, the guys debrief on the Presidential Election and the challenges that the Country faces with the end-of-the-Year discontinuance of the enhanced unemployment, mortgage relief, eviction bans and student loan forbearances. As smart retirees, we should be preparing for “WHO” is going to help repay the Government for the initial stimulus, and the one to come in 2021.","date_published":"2020-11-10T03:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/78c4783c-402e-4092-b735-5cc53f2fdb57.mp3","mime_type":"audio/mpeg","size_in_bytes":41877338,"duration_in_seconds":1744}]},{"id":"112aaf89-2912-493f-9e0a-2776340774c3","title":"Episode 35: The 7 Risks You'll Face in Retirement - Part 4 (Interest Rate \u0026 Market Risk)","url":"https://smartretirement.fireside.fm/part4interestandmarketrisk","content_text":"In this episode Mike and Matt touch on the final part of the series that focuses on the 7 retirement income risks. With the type of year we’ve had in 2020, the guys thought it would be best to save Interest Rate \u0026amp; Market risk for the last part of this Series. They go into details as to why having a “risk free” holding like a Certificate of Deposit or Money market account can cause interest rate risk relative to the inflation rate during the time you hold that investment. Additionally, later in the show Matt helps listeners understand how Market risk is the second highest retirement income risk (likely Withdrawal risk is #1). The guys discuss the details of why when Americans retire and stop contributing to and start withdrawing from retirement accounts, they become much more susceptible to market risks; especially in a Bear Market.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the final part of the series that focuses on the 7 retirement income risks. With the type of year we’ve had in 2020, the guys thought it would be best to save Interest Rate \u0026amp; Market risk for the last part of this Series. They go into details as to why having a “risk free” holding like a Certificate of Deposit or Money market account can cause interest rate risk relative to the inflation rate during the time you hold that investment. Additionally, later in the show Matt helps listeners understand how Market risk is the second highest retirement income risk (likely Withdrawal risk is #1). The guys discuss the details of why when Americans retire and stop contributing to and start withdrawing from retirement accounts, they become much more susceptible to market risks; especially in a Bear Market.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the final part of the series that focuses on the 7 retirement income risks. With the type of year we’ve had in 2020, the guys thought it would be best to save Interest Rate \u0026 Market risk for the last part of this Series. They go into details as to why having a “risk free” holding like a Certificate of Deposit or Money market account can cause interest rate risk relative to the inflation rate during the time you hold that investment. Additionally, later in the show Matt helps listeners understand how Market risk is the second highest retirement income risk (likely Withdrawal risk is #1). The guys discuss the details of why when Americans retire and stop contributing to and start withdrawing from retirement accounts, they become much more susceptible to market risks; especially in a Bear Market.","date_published":"2020-10-27T09:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/112aaf89-2912-493f-9e0a-2776340774c3.mp3","mime_type":"audio/mpeg","size_in_bytes":44057831,"duration_in_seconds":1835}]},{"id":"b288e5fb-1b32-4661-92bb-de5cd5d16ae1","title":"Episode 34: The 7 Risks You’ll face in Retirement – Part 3 (Sequence of Return \u0026 Investor Behavioral Risk)","url":"https://smartretirement.fireside.fm/part3sequenceandbehavioral","content_text":"In this episode, Mike and Matt continue with Part 3 of their 4 part series that discusses managing the seven risks to retirement income. This episode covers the concept of “Sequence of Returns” risk and “Investor Behavioral” risk. Matt tells the story of how 2 separate families that both have $500,000 in their retirement accounts execute the same investment strategies, but run-out-of-money at two very different times because of what the Market was doing at the time they decided actually start drawing against their retirement accounts .  The guys make sure that you know that there’s no way to absolutely remove the risk of Sequence of Returns, but there are SMART ways to have various income options during retirement so that you maximize your control of this risk. Additionally, Mike shows that the best way to combat behavioral risk in retirement is by not deviating from your fundamental strategy in retirement, and breathe. As usual, Mike reminds listeners that your Real Estate is a tool, if used properly, that will help you “stay the course” as you properly leverage this asset when the timing is right during retirement.","content_html":"\u003cp\u003eIn this episode, Mike and Matt continue with Part 3 of their 4 part series that discusses managing the seven risks to retirement income. This episode covers the concept of “Sequence of Returns” risk and “Investor Behavioral” risk. Matt tells the story of how 2 separate families that both have $500,000 in their retirement accounts execute the same investment strategies, but run-out-of-money at two very different times because of what the Market was doing at the time they decided actually start drawing against their retirement accounts .  The guys make sure that you know that there’s no way to absolutely remove the risk of Sequence of Returns, but there are SMART ways to have various income options during retirement so that you maximize your control of this risk. Additionally, Mike shows that the best way to combat behavioral risk in retirement is by not deviating from your fundamental strategy in retirement, and breathe. As usual, Mike reminds listeners that your Real Estate is a tool, if used properly, that will help you “stay the course” as you properly leverage this asset when the timing is right during retirement.\u003c/p\u003e","summary":"In this episode, Mike and Matt continue with Part 3 of their 4 part series that discusses managing the seven risks to retirement income. This episode covers the concept of “Sequence of Returns” risk and “Investor Behavioral” risk. Matt tells the story of how 2 separate families that both have $500,000 in their retirement accounts execute the same investment strategies, but run-out-of-money at two very different times because of what the Market was doing at the time they decided actually start drawing against their retirement accounts .  The guys make sure that you know that there’s no way to absolutely remove the risk of Sequence of Returns, but there are SMART ways to have various income options during retirement so that you maximize your control of this risk. Additionally, Mike shows that the best way to combat behavioral risk in retirement is by not deviating from your fundamental strategy in retirement, and breathe. As usual, Mike reminds listeners that your Real Estate is a tool, if used properly, that will help you “stay the course” as you properly leverage this asset when the timing is right during retirement.","date_published":"2020-10-13T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/b288e5fb-1b32-4661-92bb-de5cd5d16ae1.mp3","mime_type":"audio/mpeg","size_in_bytes":57819764,"duration_in_seconds":2408}]},{"id":"ed8a3f52-ae87-4073-a0cb-c453d638a1a1","title":"Episode 33: The 7 Risks You'll Face in Retirement - Part 2 (Longevity \u0026 Withdrawal Rate Risk)","url":"https://smartretirement.fireside.fm/longevitywithdrawalrisk","content_text":"In this episode Mike and Matt continue their 4 part series about managing the seven risks you'll face in retirement. This episode touches on the concept of out living your money, and how to manage what is known as “Longevity risk” and “Withdrawal Rate Risk”. Matt goes into some of the key details he shares in his Retirement survival workshops. Additionally, Mike supplements some helpful Real Estate equity tips on how to allow the equity in your home to extend the access to income you will have in retirement, and why sometimes a Reverse mortgage and Home Equity Line of Credit can provide you with some “lifestyle comforts” as you fear out living your “nest egg”.  ","content_html":"\u003cp\u003eIn this episode Mike and Matt continue their 4 part series about managing the seven risks you'll face in retirement. This episode touches on the concept of out living your money, and how to manage what is known as “Longevity risk” and “Withdrawal Rate Risk”. Matt goes into some of the key details he shares in his Retirement survival workshops. Additionally, Mike supplements some helpful Real Estate equity tips on how to allow the equity in your home to extend the access to income you will have in retirement, and why sometimes a Reverse mortgage and Home Equity Line of Credit can provide you with some “lifestyle comforts” as you fear out living your “nest egg”.  \u003c/p\u003e","summary":"In this episode Mike and Matt continue their 4 part series about managing the seven risks you'll face in retirement. This episode touches on the concept of out living your money, and how to manage what is known as “Longevity risk” and “Withdrawal Rate Risk”. Matt goes into some of the key details he shares in his Retirement survival workshops. Additionally, Mike supplements some helpful Real Estate equity tips on how to allow the equity in your home to extend the access to income you will have in retirement, and why sometimes a Reverse mortgage and Home Equity Line of Credit can provide you with some “lifestyle comforts” as you fear out living your “nest egg”.  ","date_published":"2020-09-29T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/ed8a3f52-ae87-4073-a0cb-c453d638a1a1.mp3","mime_type":"audio/mpeg","size_in_bytes":58640427,"duration_in_seconds":2443}]},{"id":"d1644379-4259-4161-907a-595e6c3baf48","title":"Episode 32: The 7 Risks You'll Face in Retirement - Part 1 (Inflation Risk)","url":"https://smartretirement.fireside.fm/inflationrisk","content_text":"Mike \u0026amp; Matt are excited to kick off part 1 of a 4 part show series covering The 7 Risks You'll Face in Retirement. Today we are isolating Inflation risk, and the varying views of where inflation is today. Additionally, we’ll touch on the interesting concept of “Asset inflation”, and why you will want to focus on how inflation will affect your personal expenses, and financing decisions in Retirement. Finally, we give you some tips on how to  capitalize on these ideas and perspectives in a year like 2020!","content_html":"\u003cp\u003eMike \u0026amp; Matt are excited to kick off part 1 of a 4 part show series covering The 7 Risks You'll Face in Retirement. Today we are isolating Inflation risk, and the varying views of where inflation is today. Additionally, we’ll touch on the interesting concept of “Asset inflation”, and why you will want to focus on how inflation will affect your personal expenses, and financing decisions in Retirement. Finally, we give you some tips on how to  capitalize on these ideas and perspectives in a year like 2020!\u003c/p\u003e","summary":"Mike \u0026 Matt are excited to kick off part 1 of a 4 part show series covering The 7 Risks You'll Face in Retirement. Today we are isolating Inflation risk, and the varying views of where inflation is today. Additionally, we’ll touch on the interesting concept of “Asset inflation”, and why you will want to focus on how inflation will affect your personal expenses, and financing decisions in Retirement. Finally, we give you some tips on how to  capitalize on these ideas and perspectives in a year like 2020!","date_published":"2020-09-15T13:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/d1644379-4259-4161-907a-595e6c3baf48.mp3","mime_type":"audio/mpeg","size_in_bytes":59489929,"duration_in_seconds":2478}]},{"id":"ade394ef-9fe6-4803-8b5b-4480ef27fe77","title":"Episode 31: How Will This Election Year Affect my Retirement? ","url":"https://smartretirement.fireside.fm/electionyear2020","content_text":"In this episode Mike and Matt touch on the fear and potential volatility that the U.S. economy could have regardless of which Presidential candidate wins in November. Our purpose on this show is to keep you thinking about your financial plan, while not letting the media or the fear of a certain President’s agenda scare you into doing something rash or hastily  with your Retirement assets. We will also touch on a couple of ideas you can start implementing now as we approach the 2020 Presidential Election period. It’s important to know that neither of us pick a side, but we do think the best political voice once can have is to go to the ballot and vote!","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the fear and potential volatility that the U.S. economy could have regardless of which Presidential candidate wins in November. Our purpose on this show is to keep you thinking about your financial plan, while not letting the media or the fear of a certain President’s agenda scare you into doing something rash or hastily  with your Retirement assets. We will also touch on a couple of ideas you can start implementing now as we approach the 2020 Presidential Election period. It’s important to know that neither of us pick a side, but we do think the best political voice once can have is to go to the ballot and vote!\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the fear and potential volatility that the U.S. economy could have regardless of which Presidential candidate wins in November. Our purpose on this show is to keep you thinking about your financial plan, while not letting the media or the fear of a certain President’s agenda scare you into doing something rash or hastily  with your Retirement assets. We will also touch on a couple of ideas you can start implementing now as we approach the 2020 Presidential Election period. It’s important to know that neither of us pick a side, but we do think the best political voice once can have is to go to the ballot and vote!","date_published":"2020-09-01T08:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/ade394ef-9fe6-4803-8b5b-4480ef27fe77.mp3","mime_type":"audio/mpeg","size_in_bytes":59020771,"duration_in_seconds":1844}]},{"id":"4285f413-244e-42a0-8b1d-7f55f388ded5","title":"Episode 30: Ways to create an Equity Partner with your Real Estate","url":"https://smartretirement.fireside.fm/equitypartner","content_text":"In this episode Mike and Matt interview Michael Lyon, Partnership Manager with Point Digital Finance. Point Digital Finance provides a Home Equity Investment financing solution that allows both Homeowners and Real Estate Investors 30 year financing options with no monthly payments. This is nothing like a Reverse Mortgage, and is a very interesting alternative in Real Estate finance. You are going to want to listen to how Point approaches thetheir formal partnership with you as a Real Estate owner, and how their vision is to see their partnerships help homeowners turn equity into cash that satisfies a short or long term need. Let us know what you think of the Show by emailing us at info@smartretirementcast.net, or by dialing 866-53-RETIRE.Special Guest: Michael Lyon.","content_html":"\u003cp\u003eIn this episode Mike and Matt interview Michael Lyon, Partnership Manager with Point Digital Finance. Point Digital Finance provides a Home Equity Investment financing solution that allows both Homeowners and Real Estate Investors 30 year financing options with no monthly payments. This is nothing like a Reverse Mortgage, and is a very interesting alternative in Real Estate finance. You are going to want to listen to how Point approaches thetheir formal partnership with you as a Real Estate owner, and how their vision is to see their partnerships help homeowners turn equity into cash that satisfies a short or long term need. Let us know what you think of the Show by emailing us at \u003ca href=\"mailto:info@smartretirementcast.net\" rel=\"nofollow noopener\"\u003einfo@smartretirementcast.net\u003c/a\u003e, or by dialing 866-53-RETIRE.\u003c/p\u003e\u003cp\u003eSpecial Guest: Michael Lyon.\u003c/p\u003e","summary":"In this episode Mike and Matt interview Michael Lyon, Partnership Manager with Point Digital Finance. Point Digital Finance provides a Home Equity Investment financing solution that allows both Homeowners and Real Estate Investors 30 year financing options with no monthly payments. This is nothing like a Reverse Mortgage, and is a very interesting alternative in Real Estate finance. You are going to want to listen to how Point approaches their formal partnership with you as a Real Estate owner, and how their vision is to see their partnerships help homeowners turn equity into cash that satisfies a short or long term need. Let us know what you think of the Show by emailing us at info@smartretirementcast.net, or by dialing 866-53-RETIRE","date_published":"2020-08-18T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/4285f413-244e-42a0-8b1d-7f55f388ded5.mp3","mime_type":"audio/mpeg","size_in_bytes":64577537,"duration_in_seconds":2690}]},{"id":"63a3be06-e463-4842-ba9d-68b293ef1cea","title":"Episode 29: Ways to have a more flexible College Savings plan - \"Giving them the Gift of No Student Loans!\"","url":"https://smartretirement.fireside.fm/csp","content_text":"In this episode Mike and Matt touch on the all the ways we can help our children, or our children’s children, save and prepare for the ever increasing cost of a College education. Matt touches on various types of College Savings plans (I bet you don’t know all of them), and he even presents a handy way that he helps clients design a more robust College Savings plan with Life insurance. Also, Mike walks us through the savvy ways to have your kids be the Landlord while they are in College…listen to some of the success cases he’s had in his College town, of San Luis Obispo, CA.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the all the ways we can help our children, or our children’s children, save and prepare for the ever increasing cost of a College education. Matt touches on various types of College Savings plans (I bet you don’t know all of them), and he even presents a handy way that he helps clients design a more robust College Savings plan with Life insurance. Also, Mike walks us through the savvy ways to have your kids be the Landlord while they are in College…listen to some of the success cases he’s had in his College town, of San Luis Obispo, CA.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the all the ways we can help our children, or our children’s children, save and prepare for the ever increasing cost of a College education. Matt touches on various types of College Savings plans (I bet you don’t know all of them), and he even presents a handy way that he helps clients design a more robust College Savings plan with Life insurance. Also, Mike walks us through the savvy ways to have your kids be the Landlord while they are in College…listen to some of the success cases he’s had in his College town, of San Luis Obispo, CA.","date_published":"2020-08-04T00:15:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/63a3be06-e463-4842-ba9d-68b293ef1cea.mp3","mime_type":"audio/mpeg","size_in_bytes":59817191,"duration_in_seconds":2492}]},{"id":"c93a5518-9f77-435b-ae9e-9d84a3596681","title":"Episode 28: What’s better than Cash? Cash and a Death Benefit!","url":"https://smartretirement.fireside.fm/whatsbetterthancashcashandadeathbenefit","content_text":"In this episode Mike and Matt touch on yet another smart retirement “tool to have in your bag”! Learn from listening to their esteemed special guest, Chris Foley, from Core Income Advisors, on why having a portion of your retirement portfolio held in a permanent life insurance policy might make a lot of sense. We get into the all of the investment advantages and tax-free advantages the policy provides as you navigate through retirement; while ultimately, setting up to pay your heirs a non-taxable lump sum upon your death.Special Guest: Chris Foley.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on yet another smart retirement “tool to have in your bag”! Learn from listening to their esteemed special guest, Chris Foley, from Core Income Advisors, on why having a portion of your retirement portfolio held in a permanent life insurance policy might make a lot of sense. We get into the all of the investment advantages and tax-free advantages the policy provides as you navigate through retirement; while ultimately, setting up to pay your heirs a non-taxable lump sum upon your death.\u003c/p\u003e\u003cp\u003eSpecial Guest: Chris Foley.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on yet another smart retirement “tool to have in your bag”! Learn from listening to their esteemed special guest, Chris Foley, from Core Income Advisors, on why having a portion of your retirement portfolio held in a permanent life insurance policy might make a lot of sense. We get into the all of the investment advantages and tax-free advantages the policy provides as you navigate through retirement; while ultimately, setting up to pay your heirs a non-taxable lump sum upon your death.","date_published":"2020-07-21T08:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/c93a5518-9f77-435b-ae9e-9d84a3596681.mp3","mime_type":"audio/mpeg","size_in_bytes":76373390,"duration_in_seconds":3182}]},{"id":"d947c2f1-bf26-45d9-b521-5c695107f24f","title":"Episode 27: Use your Tax Refund wisely, and Reap what you Sow","url":"https://smartretirement.fireside.fm/taxrefund2020","content_text":"Mike and Matt discuss 2 great ways to be disciplined and reinvest your tax refund into making your future financial life more free. With Tax Refund time “right around the corner” for many Americans, it’s time to make those dimes \u0026amp; nickels turn into quarters…Also, we touch on some key tips \u0026amp; trick for how to prepare and execute your Tax filing this year, and many to come.  ","content_html":"\u003cp\u003eMike and Matt discuss 2 great ways to be disciplined and reinvest your tax refund into making your future financial life more free. With Tax Refund time “right around the corner” for many Americans, it’s time to make those dimes \u0026amp; nickels turn into quarters…Also, we touch on some key tips \u0026amp; trick for how to prepare and execute your Tax filing this year, and many to come.  \u003c/p\u003e","summary":"Mike and Matt discuss 2 great ways to be disciplined and reinvest your tax refund into making your future financial life more free. With Tax Refund time “right around the corner” for many Americans, it’s time to make those dimes \u0026 nickels turn into quarters…Also, we touch on some key tips \u0026 trick for how to prepare and execute your Tax filing this year, and many to come.  ","date_published":"2020-07-07T15:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/d947c2f1-bf26-45d9-b521-5c695107f24f.mp3","mime_type":"audio/mpeg","size_in_bytes":73049361,"duration_in_seconds":3043}]},{"id":"3d59cd06-6e72-45f3-ba07-c52803d65073","title":"Episode 26: Estate Planning \"101\" - The Basics","url":"https://smartretirement.fireside.fm/estateplanning101","content_text":"In this episode Mike \u0026amp; Matt have the pleasure of interviewing, Mark Hall, an attorney of Mark E. Hall, PC law firm to discuss the basics of wills or trusts and where they might make sense. Mark Hall also goes over the basic details of why there are different forms of trusts to have in place depending on your personal financial situation. As a gift to our listeners, Mike \u0026amp; Matt have gotten Mark to agree to complete a new Trust for you, or review your Trust, at a promotional rate. Take a listen and help protect your beneficiaries assets as best you can. Call us for more information at (866) 53-RetireSpecial Guest: Mark Hall.Sponsored By:","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt have the pleasure of interviewing, Mark Hall, an attorney of Mark E. Hall, PC law firm to discuss the basics of wills or trusts and where they might make sense. Mark Hall also goes over the basic details of why there are different forms of trusts to have in place depending on your personal financial situation. As a gift to our listeners, Mike \u0026amp; Matt have gotten Mark to agree to complete a new Trust for you, or review your Trust, at a promotional rate. Take a listen and help protect your beneficiaries assets as best you can. Call us for more information at (866) 53-Retire\u003c/p\u003e\u003cp\u003eSpecial Guest: Mark Hall.\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this episode Mike \u0026 Matt have the pleasure of interviewing, Mark Hall, an attorney of Mark E. Hall, PC law firm to discuss the basics of wills or trusts and where they might make sense. Mark Hall also goes over the basic details of why there are different forms of trusts to have in place depending on your personal financial situation. As a gift to our listeners, Mike \u0026 Matt have gotten Mark to agree to complete a new Trust for you, or review your Trust, at a promotional rate. Take a listen and help protect your beneficiaries assets as best you can. Call us for more information at (866) 53-Retire","date_published":"2020-06-23T03:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/3d59cd06-6e72-45f3-ba07-c52803d65073.mp3","mime_type":"audio/mpeg","size_in_bytes":57819764,"duration_in_seconds":2408}]},{"id":"36451fd3-8a57-4ed8-98f0-c6d596e75670","title":"Episode 25: About $800,000 reasons to plan properly for Social Security","url":"https://smartretirement.fireside.fm/800000reasons","content_text":"In this episode Matt reminds listeners that there’s a fortune “sitting right under their noses” if they just plan out their Social Security income properly. Mike adds some of the best ways to delay Social Security income by using your Real Estate equity, as well as a few other ways that those should consider.","content_html":"\u003cp\u003eIn this episode Matt reminds listeners that there’s a fortune “sitting right under their noses” if they just plan out their Social Security income properly. Mike adds some of the best ways to delay Social Security income by using your Real Estate equity, as well as a few other ways that those should consider.\u003c/p\u003e","summary":"In this episode Matt reminds listeners that there’s a fortune “sitting right under their noses” if they just plan out their Social Security income properly. Mike adds some of the best ways to delay Social Security income by using your Real Estate equity, as well as a few other ways that those should consider.","date_published":"2020-06-09T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/36451fd3-8a57-4ed8-98f0-c6d596e75670.mp3","mime_type":"audio/mpeg","size_in_bytes":61649733,"duration_in_seconds":2568}]},{"id":"571b4cc7-08b4-4a12-890d-3e68efb41d74","title":"Episode 24: What if you were the Bank, and Homeowners paid you?","url":"https://smartretirement.fireside.fm/minimizelosswhilemaximizingreturns","content_text":"In this episode Mike and Matt bring on a guest, Darin Moore DRE#01147784 from Sunset Mortgage, on the Show to help listeners understand the investment insight of being Private 1st Trust Deed lenders. Darin goes into detail as to what these loans provide Investors for income, collateral, and how his firm will help you manage the Servicing of these Notes as your point of contact. It’s another great show with alternative ways for you to minimize principal loss while maximizing returns.Special Guest: Darin Moore.","content_html":"\u003cp\u003eIn this episode Mike and Matt bring on a guest, Darin Moore DRE#01147784 from Sunset Mortgage, on the Show to help listeners understand the investment insight of being Private 1st Trust Deed lenders. Darin goes into detail as to what these loans provide Investors for income, collateral, and how his firm will help you manage the Servicing of these Notes as your point of contact. It’s another great show with alternative ways for you to minimize principal loss while maximizing returns.\u003c/p\u003e\u003cp\u003eSpecial Guest: Darin Moore.\u003c/p\u003e","summary":"In this episode Mike and Matt bring on a guest, Darin Moore DRE#01147784 from Sunset Mortgage, on the Show to help listeners understand the investment insight of being Private 1st Trust Deed lenders. Darin goes into detail as to what these loans provide Investors for income, collateral, and how his firm will help you manage the Servicing of these Notes as your point of contact. It’s another great show with alternative ways for you to minimize principal loss while maximizing returns.","date_published":"2020-05-26T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/571b4cc7-08b4-4a12-890d-3e68efb41d74.mp3","mime_type":"audio/mpeg","size_in_bytes":79861678,"duration_in_seconds":3327}]},{"id":"1e8555f3-f8c3-4a28-a9a3-56e6ecd88c42","title":"Episode 23: Do you have Volatility Insurance?","url":"https://smartretirement.fireside.fm/doyouhavevolatilityinsurance","content_text":"In this episode Mike \u0026amp; Matt give a brief review of the SECURE act of 2019, Matt breaks down some ideas to combat volatility in your portfolio by creating \"Volatility Insurance\", and Mike discusses tax advantaged ways to sell your real estate while being your own bank.","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt give a brief review of the SECURE act of 2019, Matt breaks down some ideas to combat volatility in your portfolio by creating \"Volatility Insurance\", and Mike discusses tax advantaged ways to sell your real estate while being your own bank.\u003c/p\u003e","summary":"In this episode Mike \u0026 Matt give a brief review of the SECURE act of 2019, Matt breaks down some ideas to combat volatility in your portfolio by creating \"Volatility Insurance\", and Mike discusses tax advantaged ways to sell your real estate while being your own bank.","date_published":"2020-05-13T13:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/1e8555f3-f8c3-4a28-a9a3-56e6ecd88c42.mp3","mime_type":"audio/mpeg","size_in_bytes":83534912,"duration_in_seconds":3480}]},{"id":"00240904-d9bc-45c2-b106-5427ffe71c4d","title":"Episode 22: What Shape will the Economy Take in 2020 - Part 2","url":"https://smartretirement.fireside.fm/diggingdeeper","content_text":"In this episode Mike and Matt touch on why Congress suspended the Required Minimum Distributions for those in Retirement, due to COVID-19. Also, Mike goes into to detail of the Good, Bad and the Ugly if you are considering a Mortgage forbearance. Also, the guys discuss the alternative ways to have your assets provide you cash-flow during these abnormal times.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on why Congress suspended the Required Minimum Distributions for those in Retirement, due to COVID-19. Also, Mike goes into to detail of the Good, Bad and the Ugly if you are considering a Mortgage forbearance. Also, the guys discuss the alternative ways to have your assets provide you cash-flow during these abnormal times.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on why Congress suspended the Required Minimum Distributions for those in Retirement, due to COVID-19. Also, Mike goes into to detail of the Good, Bad and the Ugly if you are considering a Mortgage forbearance. Also, the guys discuss the alternative ways to have your assets provide you cash-flow during these abnormal times.","date_published":"2020-04-28T12:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/00240904-d9bc-45c2-b106-5427ffe71c4d.mp3","mime_type":"audio/mpeg","size_in_bytes":66665870,"duration_in_seconds":2777}]},{"id":"a584d8dd-0770-4692-898f-8222bd72085f","title":"Episode 21: What Shape will the Economy Take in 2020 - Part 1","url":"https://smartretirement.fireside.fm/economy2020part-1","content_text":"In this episode Mike and Matt touch on the forecasts for when the U.S. will see a recession recovery from COVID-19, the current Unemployment rate and projected GDP figures from this historical “forced” recession. Also, we lay the groundwork for how we are going to report on the recovery of the U.S. Economy throughout the rest of 2020.","content_html":"\u003cp\u003eIn this episode Mike and Matt touch on the forecasts for when the U.S. will see a recession recovery from COVID-19, the current Unemployment rate and projected GDP figures from this historical “forced” recession. Also, we lay the groundwork for how we are going to report on the recovery of the U.S. Economy throughout the rest of 2020.\u003c/p\u003e","summary":"In this episode Mike and Matt touch on the forecasts for when the U.S. will see a recession recovery from COVID-19, the current Unemployment rate and projected GDP figures from this historical “forced” recession. Also, we lay the groundwork for how we are going to report on the recovery of the U.S. Economy throughout the rest of 2020.","date_published":"2020-04-14T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/a584d8dd-0770-4692-898f-8222bd72085f.mp3","mime_type":"audio/mpeg","size_in_bytes":77115059,"duration_in_seconds":3212}]},{"id":"10ed58c2-9a6f-4c76-aa2a-02e7a0f2ba44","title":"Episode 20: Serenity Now","url":"https://smartretirement.fireside.fm/serenitynow","content_text":"Mike \u0026amp; Matt will discuss the sense and serenity to have in this market by discussing taking advantage of products that allow you to cap your losses and diversify your gains, as well as touch on what the Federal Reserve has done to help us see some stability in the Economy, and how the CARES Act put into Law by Congress in March should provide a resource to both individuals and Small Businesses.Sponsored By:","content_html":"\u003cp\u003eMike \u0026amp; Matt will discuss the sense and serenity to have in this market by discussing taking advantage of products that allow you to cap your losses and diversify your gains, as well as touch on what the Federal Reserve has done to help us see some stability in the Economy, and how the CARES Act put into Law by Congress in March should provide a resource to both individuals and Small Businesses.\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"Mike \u0026 Matt will discuss the sense and serenity to have in this market by discussing taking advantage of products that allow you to cap your losses and diversify your gains, as well as touch on what the Federal Reserve has done to help us see some stability in the Economy, and how the CARES Act put into Law by Congress in March should provide a resource to both individuals and Small Businesses.","date_published":"2020-03-31T04:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/10ed58c2-9a6f-4c76-aa2a-02e7a0f2ba44.mp3","mime_type":"audio/mpeg","size_in_bytes":88457008,"duration_in_seconds":3685}]},{"id":"fc9bc67b-3757-4e64-b0a3-9fa8f41127d2","title":"Episode 19: The Corona Virus \u0026 Your Retirement","url":"https://smartretirement.fireside.fm/coronavirus","content_text":"In this show we focus on how the COVID-19 virus is attacking the Financial Markets, and how you can counter what the 2020 Market is doing to your retirement with ways to protect your assets. Additionally, Mike and Matt touch on the recent interest rate cuts made by the Federal Reserve, and why the Federal Funds Rate and Mortgage rates are not directly correlated.Sponsored By:","content_html":"\u003cp\u003eIn this show we focus on how the COVID-19 virus is attacking the Financial Markets, and how you can counter what the 2020 Market is doing to your retirement with ways to protect your assets. Additionally, Mike and Matt touch on the recent interest rate cuts made by the Federal Reserve, and why the Federal Funds Rate and Mortgage rates are not directly correlated.\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this show we focus on how the COVID-19 virus is attacking the Financial Markets, and how you can counter what the 2020 Market is doing to your retirement with ways to protect your assets. Additionally, Mike and Matt touch on the recent interest rate cuts made by the Federal Reserve, and why the Federal Funds Rate and Mortgage rates are not directly correlated.\r\n","date_published":"2020-03-17T04:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/fc9bc67b-3757-4e64-b0a3-9fa8f41127d2.mp3","mime_type":"audio/mpeg","size_in_bytes":82322832,"duration_in_seconds":2572}]},{"id":"15de4139-c210-4730-9f41-99ba0eb6f074","title":"Episode 18: The Wealth Triangle Part 3- Enjoying and Protecting Your Wealth","url":"https://smartretirement.fireside.fm/thewealthtrianglepart3","content_text":"In this episode Mike \u0026amp; Matt focus on the ways to “Live Well”, by accessing the Assets that they’ve worked so hard to set-up and preserve. Through Real Estate, Financial products, and just good Smart sense listeners will understand how to “tap into” their liquid assets that will aide in Enjoying \u0026amp; Protecting their Wealth. Additionally, Matt helps our listeners understand the changes in some of the new Laws that have taken affect in 2020, and how understanding the SECURE Act of 2020 will set your Family up for success as they receive your Legacy.\n\n**Listeners can always email us questions, comments or concerns at: info@smartretirementcast.comSponsored By:","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt focus on the ways to “Live Well”, by accessing the Assets that they’ve worked so hard to set-up and preserve. Through Real Estate, Financial products, and just good Smart sense listeners will understand how to “tap into” their liquid assets that will aide in Enjoying \u0026amp; Protecting their Wealth. Additionally, Matt helps our listeners understand the changes in some of the new Laws that have taken affect in 2020, and how understanding the SECURE Act of 2020 will set your Family up for success as they receive your Legacy.\u003c/p\u003e\n\n\u003cp\u003e**Listeners can always email us questions, comments or concerns at: \u003ca href=\"mailto:info@smartretirementcast.com\" rel=\"nofollow noopener\"\u003einfo@smartretirementcast.com\u003c/a\u003e\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this episode Mike \u0026 Matt focus on the ways to “Live Well”, by accessing the Assets that they’ve worked so hard to set-up and preserve. Through Real Estate, Financial products, and just good Smart sense listeners will understand how to “tap into” their liquid assets that will aide in Enjoying \u0026 Protecting their Wealth. Additionally, Matt helps our listeners understand the changes in some of the new Laws that have taken affect in 2020, and how understanding the SECURE Act of 2020 will set your Family up for success as they receive your Legacy.\r\n \r\n**Listeners can always email us questions, comments or concerns at: info@smartretirementcast.com","date_published":"2020-03-03T01:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/15de4139-c210-4730-9f41-99ba0eb6f074.mp3","mime_type":"audio/mpeg","size_in_bytes":88077295,"duration_in_seconds":2752}]},{"id":"95692728-bbd2-4cbe-a74a-9087c2743793","title":"Episode 17: The Wealth Triangle Part 2 - Growing \u0026 Protecting your Wealth","url":"https://smartretirement.fireside.fm/thewealthtrianglepart2","content_text":"In this weeks episode Mike \u0026amp; Matt discuss part 2 of our three part series \"The Wealth Triangle\".  Part 2 will help guide you through ideas of how to grow and protect your wealth. A diagram of the triangle can be found on our Facebook page! Thank you for listening.Sponsored By:","content_html":"\u003cp\u003eIn this weeks episode Mike \u0026amp; Matt discuss part 2 of our three part series \"The Wealth Triangle\".  Part 2 will help guide you through ideas of how to grow and protect your wealth. A diagram of the triangle can be found on our Facebook page! Thank you for listening.\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this weeks episode Mike \u0026 Matt discuss part 2 of our three part series \"The Wealth Triangle\".  Part 2 will help guide you through ideas of how to grow and protect your wealth. A diagram of the triangle can be found on our Facebook page! Thank you for listening.","date_published":"2020-02-18T04:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/95692728-bbd2-4cbe-a74a-9087c2743793.mp3","mime_type":"audio/mpeg","size_in_bytes":80373471,"duration_in_seconds":2511}]},{"id":"01108723-7359-469f-9bc6-8be848bc2c5a","title":"Episode 16: The Wealth Triangle Part 1 - Building a Foundation","url":"https://smartretirement.fireside.fm/thewealthtrianglepart1","content_text":"In this weeks episode Mike \u0026amp; Matt discuss part 1 of our new three part series \"The Wealth Triangle\".  Part 1 will explain the importance of building a strong foundation for your retirement and how that will benefit you later on in life. A diagram of the triangle can be found on our Facebook page! Thanks for listening.Sponsored By:","content_html":"\u003cp\u003eIn this weeks episode Mike \u0026amp; Matt discuss part 1 of our new three part series \"The Wealth Triangle\".  Part 1 will explain the importance of building a strong foundation for your retirement and how that will benefit you later on in life. A diagram of the triangle can be found on our Facebook page! Thanks for listening.\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this weeks episode Mike \u0026 Matt discuss part 1 of our new three part series \"The Wealth Triangle\".  Part 1 will explain the importance of building a strong foundation for your retirement and how that will benefit you later on in life. A diagram of the triangle can be found on our Facebook page! Thanks for listening.","date_published":"2020-01-28T07:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/01108723-7359-469f-9bc6-8be848bc2c5a.mp3","mime_type":"audio/mpeg","size_in_bytes":91523993,"duration_in_seconds":3813}]},{"id":"168d15c0-9257-4499-b22f-139daa7cf006","title":"Episode 15 :Capturing the Gains from 2019!","url":"https://smartretirement.fireside.fm/capturing2019","content_text":"In this episode Mike \u0026amp; Matt discuss ideas of how to protect your earnings from 2019 and how to not give everything thing back. Remember a gain is not realized until you sell! Happy New Year!Sponsored By:","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt discuss ideas of how to protect your earnings from 2019 and how to not give everything thing back. Remember a gain is not realized until you sell! Happy New Year!\u003c/p\u003e\u003cp\u003eSponsored By:\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003c/li\u003e\u003c/ul\u003e","summary":"In this episode Mike \u0026 Matt discuss ideas of how to protect your earnings from 2019 and how to not give everything thing back. Remember a gain is not realized until you sell! Happy New Year!","date_published":"2020-01-14T13:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/168d15c0-9257-4499-b22f-139daa7cf006.mp3","mime_type":"audio/mpeg","size_in_bytes":75379694,"duration_in_seconds":2355}]},{"id":"2d274d76-5f81-45ad-a613-9878a1943592","title":"Episode 14: Wealth Transfer","url":"https://smartretirement.fireside.fm/wealthtransfer","content_text":"In this episode, Mike \u0026amp; Matt discuss different strategies and ideas of how to properly pass on your assets to your beneficiaries and avoid things like unnecessary taxes and probate.","content_html":"\u003cp\u003eIn this episode, Mike \u0026amp; Matt discuss different strategies and ideas of how to properly pass on your assets to your beneficiaries and avoid things like unnecessary taxes and probate.\u003c/p\u003e","summary":"In this episode, Mike \u0026 Matt discuss different strategies and ideas of how to properly pass on your assets to your beneficiaries and avoid things like unnecessary taxes and probate.","date_published":"2019-12-26T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/2d274d76-5f81-45ad-a613-9878a1943592.mp3","mime_type":"audio/mpeg","size_in_bytes":89455722,"duration_in_seconds":3727}]},{"id":"7a1ae5db-7010-48fc-8aaa-efe1f27141e3","title":"Episode 13: Thank You \u0026 Happy Holidays","url":"https://smartretirement.fireside.fm/thankyou2019","content_text":"In this short episode, Mike \u0026amp; Matt wanted to take a few minutes to thank our listeners and wish you all a very happy holidays as well as, a very healthy new year. Thank you all for a great 2019.","content_html":"\u003cp\u003eIn this short episode, Mike \u0026amp; Matt wanted to take a few minutes to thank our listeners and wish you all a very happy holidays as well as, a very healthy new year. Thank you all for a great 2019.\u003c/p\u003e","summary":"In this short episode, Mike \u0026 Matt wanted to take a few minutes to thank our listeners and wish you all a very happy holidays as well as, a very healthy new year. Thank you all for a great 2019.","date_published":"2019-12-18T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/7a1ae5db-7010-48fc-8aaa-efe1f27141e3.mp3","mime_type":"audio/mpeg","size_in_bytes":7709592,"duration_in_seconds":240}]},{"id":"1b30ad8e-e838-451c-963e-43fc3fd45326","title":"Episode 12: Income, Growth, and NO Market Risk","url":"https://smartretirement.fireside.fm/incomegrowthnomarketrisk","content_text":"In this episode Mike \u0026amp; Matt brought in an industry expert, Marc Rogers, to discuss alternatives to the stock market and how to still receive decent growth in your retirement accounts without market risk. Also discussed is how to create an income stream you will not outlive. Happy Holidays!Special Guest: Marc Rogers.","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt brought in an industry expert, Marc Rogers, to discuss alternatives to the stock market and how to still receive decent growth in your retirement accounts without market risk. Also discussed is how to create an income stream you will not outlive. Happy Holidays!\u003c/p\u003e\u003cp\u003eSpecial Guest: Marc Rogers.\u003c/p\u003e","summary":"In this episode Mike \u0026 Matt brought in an industry expert, Marc Rogers, to discuss alternatives to the stock market and how to still receive decent growth in your retirement accounts without market risk. Also discussed is how to create an income stream you will not outlive. Happy Holidays!","date_published":"2019-12-10T07:15:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/1b30ad8e-e838-451c-963e-43fc3fd45326.mp3","mime_type":"audio/mpeg","size_in_bytes":103437295,"duration_in_seconds":3232}]},{"id":"ffdf5c5f-8c63-4f55-a80e-32b830acc052","title":"Episode 11: Protecting Yourself from the Unknown ","url":"https://smartretirement.fireside.fm/protectingfromtheunknown","content_text":"In this episode, Mike \u0026amp; Matt talk with one of the nations leading experts in identity theft protection, Dana Mantilia, and learn some of the ways you can protect yourself from this serious issue. Special Guest: Dana Mantilia.","content_html":"\u003cp\u003eIn this episode, Mike \u0026amp; Matt talk with one of the nations leading experts in identity theft protection, Dana Mantilia, and learn some of the ways you can protect yourself from this serious issue. \u003c/p\u003e\u003cp\u003eSpecial Guest: Dana Mantilia.\u003c/p\u003e","summary":"In this episode, Mike \u0026 Matt talk with one of the nations leading experts in identity theft protection, Dana Mantilia, and learn some of the ways you can protect yourself from this serious issue. ","date_published":"2019-11-26T09:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/ffdf5c5f-8c63-4f55-a80e-32b830acc052.mp3","mime_type":"audio/mpeg","size_in_bytes":86840135,"duration_in_seconds":2713}]},{"id":"1e992641-437d-411e-8b01-ee623a8800fb","title":"Episode 10: The Short \u0026 Long Term Benefits of a Reverse Mortgage","url":"https://smartretirement.fireside.fm/shortandlongtermofareversemortgage","content_text":"On this episode Mike interviews Brad Byrnes of Finance of America to get a deeper look at the reverse mortgage market and how it can truly benefit you in retirement.Special Guest: Brad Byrnes.","content_html":"\u003cp\u003eOn this episode Mike interviews Brad Byrnes of Finance of America to get a deeper look at the reverse mortgage market and how it can truly benefit you in retirement.\u003c/p\u003e\u003cp\u003eSpecial Guest: Brad Byrnes.\u003c/p\u003e","summary":"On this episode Mike interviews Brad Byrnes of Finance of America to get a deeper look at the reverse mortgage market and how it can truly benefit you in retirement.","date_published":"2019-11-12T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/1e992641-437d-411e-8b01-ee623a8800fb.mp3","mime_type":"audio/mpeg","size_in_bytes":98122524,"duration_in_seconds":4088}]},{"id":"d13a5e78-74ff-4542-84bd-91953bf38ab0","title":"Episode 9: The Scary Costs of Healthcare","url":"https://smartretirement.fireside.fm/thescarycostsofhealthcare","content_text":"In this episode Mike \u0026amp; Matt get into what could be the scariest part of retirement, healthcare. Learn about the costs of the unknown and how to prepare for an unexpected. Happy Halloween! ","content_html":"\u003cp\u003eIn this episode Mike \u0026amp; Matt get into what could be the scariest part of retirement, healthcare. Learn about the costs of the unknown and how to prepare for an unexpected. Happy Halloween! \u003c/p\u003e","summary":"In this episode Mike \u0026 Matt get into what could be the scariest part of retirement, healthcare. Learn about the costs of the unknown and how to prepare for an unexpected. Happy Halloween! ","date_published":"2019-10-29T10:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/d13a5e78-74ff-4542-84bd-91953bf38ab0.mp3","mime_type":"audio/mpeg","size_in_bytes":81252228,"duration_in_seconds":3385}]},{"id":"e3d6c7ae-26b0-406e-99ee-cf396f5b255b","title":"Episode 8: The Top 10 Mistakes Retirees Make - Part 2","url":"https://smartretirement.fireside.fm/retirementmistakespart2","content_text":"In this weeks episode, Mike \u0026amp; Matt dive into the last 5 of the Top 10 mistakes retirees make in retirement. Remember this is a two part show and to please tune into part 1 if you haven't listened to it yet!","content_html":"\u003cp\u003eIn this weeks episode, Mike \u0026amp; Matt dive into the last 5 of the Top 10 mistakes retirees make in retirement. Remember this is a two part show and to please tune into part 1 if you haven't listened to it yet!\u003c/p\u003e","summary":"In this weeks episode, Mike \u0026 Matt dive into the last 5 of the Top 10 mistakes retirees make in retirement. Remember this is a two part show and to please tune into part 1 if you haven't listened to it yet!","date_published":"2019-10-15T09:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/e3d6c7ae-26b0-406e-99ee-cf396f5b255b.mp3","mime_type":"audio/mpeg","size_in_bytes":75189941,"duration_in_seconds":2349}]},{"id":"0bffe3b7-a004-41bc-89f4-01d830994959","title":"Episode 7: The Top 10 Mistakes Retirees Make - Part 1","url":"https://smartretirement.fireside.fm/retirementmistakespart1","content_text":"In this weeks episode, Mike \u0026amp; Matt dive into the first 5 of the Top 10 mistakes retirees make. Remember this is a two part show and to please tune into part 2 when it's released.","content_html":"\u003cp\u003eIn this weeks episode, Mike \u0026amp; Matt dive into the first 5 of the Top 10 mistakes retirees make. Remember this is a two part show and to please tune into part 2 when it's released.\u003c/p\u003e","summary":"In this weeks episode, Mike \u0026 Matt dive into the first 5 of the Top 10 mistakes retirees make in retirement. Remember this is a two part show and to please tune into part 2 when it's released.","date_published":"2019-10-01T11:00:00.000-07:00","attachments":[{"url":"https://aphid.fireside.fm/d/1437767933/9803626a-a60e-4dfd-876d-5e6f450355e5/0bffe3b7-a004-41bc-89f4-01d830994959.mp3","mime_type":"audio/mpeg","size_in_bytes":92309549,"duration_in_seconds":2884}]},{"id":"08b27223-43c8-4610-b359-f69800549031","title":"Episode 6: Annuity Overview","url":"https://smartretirement.fireside.fm/annuityoverview","content_text":"In this Episode, Matt dives into the different types of annuities available today and gives his opinion on what may be right for retirees. (If you would like to get right into content please skip to after the first commercial break [14:10].)","content_html":"\u003cp\u003eIn this Episode, Matt dives into the different types of annuities available today and gives his opinion on what may be right for retirees. (If you would like to get right into content please skip to after the first commercial break [14:10].)\u003c/p\u003e","summary":"In this Episode, Matt dives into the different types of annuities available today and gives his opinion on what may be right for retirees. 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