Financial Vortex: What Is it? A recent study from Goldman Sachs describes a financial vortex. We call it "life in America, 2023." Soon-to-be retirees, and recent retirees are discovering they may need to navigate their own way with limited financial resources,...
Medicaid and Long Term Planning, Episode 463 Medicaid, and the Medicaid application is a nightmare to try and navigate on your own. What if you could shield your hard-earned assets from the costly implications of long-term care? Is that relaistic? The dreaded...
With T-bills at 5%, why look at stocks? T-bills: why not? One of the most frequently asked questions we have heard over recent weeks is: with T-bills (Treasury Bill) rates at (or around) five percent, why should we even bother looking at putting money into stocks?...
Get Debt Back Under Control In podcast episode #461, Tom discusses how to get debt back under control. By comparing what the Government was able to accomplish after World War II, Tom covers getting debt back to a more realistic, manageable level - not necessarily by...
Consumer Spending: All Hail the Mighty Consumer Consumer spending continues to drive the US economy. And to a certain extent, US consumer spending drives the global economy too. In this podcast episode (episode 460), Tom & Casey begin with a post from Ryan...
Your 60-40 Portfolio Is Not Dead Despite rumors to the contrary, your 60-40 portfolio is NOT dead. And the 60-40 portfolio never was dead. It's possible we may declare it comatose for the past eighteen months, but not dead. Have rising interest rates spelled doom...
Would You Buy This? Annuities are not bought, they are sold. Please don't ever forget that. Having said that, would you buy this? And in this podcast episode (#458), Tim and Tom discuss the points mentioned to us by someone who called in. This was immediately after...
Medicare doesn't start until you turn 65, but what happens if you claim Social Security before that? Social Security and Medicare are two of the biggest factors when planning your retirement. You need to have all the info BEFORE you make any decisions you might...
Should you claim Social Security early to maximize the amount of time you receive benefits? Or should you delay taking it for as long as possible to maximize the amount of money you receive each month? This is a financial decision that everyone will have to make in...
When presented with the option is it better to take a lump sum or monthly pension? If you've changed jobs before or are on the cusp of retirement, this question of lump sum or monthly payment will likely require an answer. This topics applies to every corner of...
