Retirement Answer Man

A top retirement podcast. Roger Whitney, CFP®, CIMA®, CPWA®, RMA, guides you on how to actually do retirement well financially and personally. This retirement podcast isn't afraid to talk about the softer side of retirement. It will teach you how to retire with confidence. Two-time PLUTUS winner for best retirement podcast / blog and the 2019 winner for best financial planner blog. This retirement podcast covers how to create a paycheck, medicare, healthcare, Social Security, tax management in retirement as well as retirement travel and other non-financial issues you'll need to address to rock retirement. Retirement isn’t an age OR a financial number. It’s finding that balance between living well today and feeling confident about your retirement. It’s about gaining more freedom to pursue the life you want. Join the rock retirement community at www.rogerwhitney.com

Retirement Answer Man is a business podcast hosted by Unknown Host, with 663 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Unknown Host hosts Retirement Answer Man, a business show with 663 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

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  Episode #657

  Summer Reruns: Gabbing with Gretchen Rubin- Your Personality and How it Plays into Your Retirement Planning

  Aug 19, 202621 min

  This Summer Replay revisits Roger’s 2018 conversation with Gretchen Rubin about the Four Tendencies and how understanding your personality can help you create a retirement plan and daily life that truly fit who you are. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces this Summer Replay conversation with Gretchen Rubin about creating a retirement plan that fits your personality. SUMMER REPLAY: CONVERSATION WITH GRETCHEN RUBIN (01:32) Gretchen explains the Four Tendencies and how each responds to expectations. (08:25) Learn how working with your natural tendency can help you achieve your goals. (09:39) Discover how the Four Tendencies can shape your transition into retirement. (16:53) Understanding the tendencies of your spouse, family members, and coworkers can improve communication and reduce conflict. CLOSING THOUGHTS (19:40) Roger shares his thoughts on relaunching YouTube in a way that fits him and the show. REFERENCES Take Gretchen Rubin’s Four Tendencies Quiz The Four Tendencies by Gretchen Rubin Submit a Question for Roger Sign up for The Noodle

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  Episode #656

  Summer Reruns: Keep Investments Simple with Peter Lazaroff

  Aug 12, 202642 min

  As part of Roger’s summer replay series, he revisits a conversation with Peter Lazaroff about the value of elegant simplicity in retirement investing. They discuss why more sophisticated strategies are not necessarily better, how added complexity can create unexpected risks, and why the money supporting your retirement should remain separate from any “play money” used to explore alternative investments. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:01) Roger introduces the benefits of simplifying your investments rather than continually adding new strategies. RERUN: KEEPING INVESTMENTS SIMPLE WITH PETER LAZAROFF (01:56) Roger and Peter discuss elegant simplicity, private investments, and why adding complexity to your portfolio may create more risk and work without meaningfully improving your retirement. (20:18) As private investments become more widely available, Peter shares a framework for deciding whether an investment truly belongs in your portfolio. (32:02) Roger and Peter discuss when added complexity may serve a purpose and why private investments should not be a core part of the strategy securing your retirement. CLOSING THOUGHTS (40:05) Roger connects elegant simplicity with the 80/20 rule and the theme of the upcoming Rock Retirement Club Roundup. REFERENCES Learn more about Peter Lazaroff Pre-Order Peter’s New Book: The Perfect Portfolio Submit a Question for Roger Sign up for The Noodle Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

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  Episode #655

  Summer Reruns: Retiring Single with Tanya Nichols

  Aug 5, 202625 min

  August is encore month on the Retirement Answer Man podcast, giving Roger an opportunity to step back, reflect, and revisit some of the show's most impactful conversations. This week, he replays his discussion with Tanya Nichols on retiring single—a topic that remains just as relevant today. Together, they explore the unique planning considerations for single retirees, including building a trusted support network, preparing for future care, creating a personal board of directors, balancing flexibility with financial security, and thinking intentionally about legacy. Roger closes the episode by sharing why he's spending August slowing down, revisiting favorite books, and using writing to gain greater clarity and conviction. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger explains why August will feature encore episodes, shares his desire to slow down and reflect, and introduces this week's replay with Tanya Nichols on retiring single. RETIREMENT TOOLKIT FEATURING TANYA NICHOLS (02:18) Roger and Tanya discuss the unique planning considerations for single retirees, including future care planning, building a trusted support network, creating a personal board of directors, managing a household alone, balancing flexibility with financial security, and rethinking legacy. CLOSING THOUGHTs (22:47) Roger reflects on why he's spending August revisiting favorite books and encourages listeners to embrace writing and reflection as tools for reconnecting with their own convictions. REFERENCES Retire Agile The Gospel of Wealth by Andrew Carnegie Mark Troutman's Money Mind Podcast Submit a Question for Roger Sign up for The Noodle Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

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  Episode #654

  Retirement Toolkit: Never Worry About Money Again with Jesse Mecham

  Jul 29, 20261h 6m

  What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentionality with money. Together, they explore how asking one simple question, "What is this money for?" can reduce financial stress, improve decision-making, and help align your spending with the life you want to create. Roger also answers listener questions on rebalancing retirement portfolios, qualified dividends, supporting adult children, calculating net worth, and whether financial planners have financial planners of their own. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces this week's conversation on intentionality with money, previews his interview with Jesse Mecham, and shares updates on the August replay schedule and upcoming Social Security series. RETIREMENT TOOLKIT FEATURING JESSE MECHAM (03:06) Roger sits down with Jesse Mecham, founder of YNAB, to discuss how approaching money with intention instead of restriction can reduce financial worry and help you align your spending with what matters most. LISTENER QUESTIONS (38:47) Christine asks about rebalancing her retirement portfolio. (43:00) Peter asks about qualified and ordinary dividends. (47:28) Paul asks about supporting adult children financially. (56:05) Ron asks whether future taxes should be considered when calculating net worth (58:38) Lisa wonders whether financial planners have financial planners of their own. SMART SPRINT (01:01:55) Reflect on how intentional you are with your money and consider reading Jesse Mecham's book, Never Worry About Money Again , to help align your spending with the life you want to create. CLOSING THOUGHT (01:03:23) Roger reflects on the summer goals he set earlier in the year and encourages you to revisit your own intentions before the season ends. REFERENCES Never Worry About Money Again by Jesse Mecham YNAB (You Need A Budget) Submit a Question for Roger Sign up for The Noodle Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

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  Episode #653

  Retirement Toolkit: How do you Balance Optimization with Simplification

  Jul 22, 202653 min

  How do you know when it's worth optimizing your retirement plan and when it's better to keep things simple? This week, Roger answers a listener question by exploring Aristotle's concept of the "golden mean," arguing that the best retirement decisions are rarely found at either extreme. He explains why financial optimization should be measured by the life it enables rather than the dollars it saves and introduces the OODA Loop (Observe, Orient, Decide, Act) as a practical framework for evaluating trade-offs. Roger also answers listener questions about stepped-up cost basis after the death of a spouse, whether dividends can be used to fund an income floor, and when bonds versus CDs make sense in today's interest rate environment. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN (00:00) Roger introduces today's discussion on balancing financial optimization with simplicity, previews upcoming episodes, and shares updates on the August replay schedule and September Social Security series. RETIREMENT TOOLKIT (02:31) Finding your "golden mean" between optimizing your retirement plan and keeping it simple Why retirement planning often overemphasizes financial optimization The difference between optimizing for money and optimizing for life How Aristotle's concept of the golden mean applies to retirement decisions Using the OODA Loop (Observe, Orient, Decide, Act) to make better decisions Recognizing personal biases before making financial decisions Evaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunities LISTENER QUESTIONS (36:35) Roger answers a listener's question about home cost basis. (41:02) Can dividend income be used to fill the gap in my retirement income floor? (44:55) Are bonds still a good conservative investment, or should I use CDs instead? SMART SPRINT (49:55) Practice using the OODA framework on a small, everyday decision this week to determine whether optimizing is truly worth the extra time and effort. CLOSING THOUGHTS (51:24) Roger reflects on how building a resilient retirement plan isn't just about protecting against uncertainty—it also gives you the confidence to lean into life and enjoy retirement more fully REFERENCES Submit a Question for Roger Sign up for The Noodle Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.

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