Retirement Rescue Radio
186 episodes - English - Latest episode: about 1 month ago - ★★★★★ - 26 ratingsRetirement Rescue Radio is a weekly podcast with Author, Financial Advisor, Husband, Father, and Blackbelt, Nate Miller, Founder of Miller Retirement Group headquartered in the heart of the Midwest; Lawrence, Kansas. If you are a retiree, or pre-retiree, this podcast is for you. In it, he will draw on his experience both as an Advisor, and the cumulative knowledge that he received when he had the opportunity to consult with some of the top financial and retirement advisors in the nation. He will be bringing actionable advice and steps that you can take in order to help avoid potentially misleading financial advice and make sure that your retirement income lasts as long as you do and that you not simply survive, but thrive in retirement!
Miller Retirement Group is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Miller Retirement Group are not affiliated companies. 00500120 - 12/21
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Episodes
Episode 185: Debunking Biden’s State of the Union Tax Speech
March 25, 2024 08:00 - 30 minutes - 42.7 MBNate is once again fed up with the narrative of the rich not paying any taxes. Literally every single tax comment that came out of Biden’s mouth is wrong. And not subjectively wrong, not politically wrong, they are every one of them objectively, factually wrong. Source: https://taxfoundation.org/data/all/federal/summary-latest-federal-income-tax-data-2023-update/#:~:text=The%20top%201%20percent%20earned,the%20bottom%2090%20percent%20combined https://www.forbes.com/advisor/busine...
Episode 184: Will Social Security Go Bankrupt?
March 04, 2024 09:00 - 19 minutes - 26.7 MBNate discusses an article that explains the changes to the Social Security System that Retirees would be willing to make in order to shore up the reserves and bring it back to solvency.
Episode 183: Social Security 101 - 1001 Interview with Josh Miller
February 26, 2024 09:00 - 47 minutes - 64.8 MBNate interviews Advisor Josh Miller on some very specific nuanced social security claiming strategies.
Episode 182: Financial Myth Busting with Matt Black
January 15, 2024 09:00 - 45 minutes - 62.8 MBNate interviews Matt Black who busts some myths surrounding retirement.
Episode 181: Game the ACA and Retire Early
December 04, 2023 09:00 - 25 minutes - 34.9 MBNate discusses strategies to retire early and get the income you need while still qualifying for the ACA tax credits. Sources: Health Insurance Marketplace Calculator HealthCare.gov - Count Income & Household Size
Episode 180: Spousal Social Security Doesn’t Work Like You Think Anymore
August 28, 2023 08:00 - 14 minutes - 20.5 MBNate discusses a specific claiming strategy that received a major overhaul in 2015. Source: Social Security Filing Rules for Retirement and Spouses Benefits
Episode 179: I have KPERS 1. I am 55 years old. Can I retire if I don’t have $1 million saved?
August 14, 2023 08:00 - 17 minutes - 24.8 MBNate takes us through some of the questions you should be asking if you are part of the KPERS system, as well as other considerations to help make your pension and lump sum decisions.
Episode 178: Debt Ceiling Interest Rates and Old Nates
May 29, 2023 08:00 - 20 minutes - 28.9 MBNate discusses how to tell what kind of financial advisor you will hear from at retirement workshops based on the disclosures on the invitations. He also gives an update on the markets and interest rates and where he expects the market to go this year. Source: AE Wealth Management
Episode 177: Debt Ceiling Nonsense
February 20, 2023 09:00 - 19 minutes - 26.8 MBNate discusses his opinion on the debt ceiling issue and its use as a political negotiating tool and whether or not you should be concerned about it. Source: https://fiscaldata.treasury.gov/americas-finance-guide/national-debt/
Episode 176: 2023 New Year Goals and Market Outlook
January 23, 2023 09:00 - 25 minutes - 35.4 MBNate discusses setting good goals for the year, and gives his perspective on the last quarter of 2022, and the outlook for 2023.
Episode 175: Dissecting the Secure Act 2.0
January 09, 2023 09:00 - 30 minutes - 41.9 MBNate goes through the Secure Act 2.0 legislation, highlights important or interesting aspects, and offers his commentary on the impact to retirees.
Episode 174: End of Year Potpourri
December 19, 2022 19:45 - 21 minutes - 30 MBNate discusses the new Social Security COLA, some end of year IRA planning, and some thoughts around what needs to happen to lower inflation and set 2023 back on track.
Episode 173: Setting the Annuity Record Straight
November 21, 2022 09:00 - 19 minutes - 27.1 MBNate discusses some myths surrounding annuities and attempts to shine more of a balanced explanation of when they could be a useful tool during retirement.
Episode 172: Retiring Early or Working in Retirement
October 24, 2022 08:00 - 26 minutes - 36.1 MBMillennials want to retire at 50, but aren’t saving nearly enough, and studies show that a lot of people plan to work in some fashion in retirement. Sources: NY Times, CNBC
Episode 171: Student Loan Forgiveness
October 10, 2022 08:00 - 20 minutes - 27.9 MBNate discusses the recent student loan forgiveness and what that could mean for your retirement. Sources: Kitces.com Note PD Best Colleges NCES.ed.gov
Episode 170: 5 Tax Strategies Every Retiree Should Be Using
September 05, 2022 08:00 - 25 minutes - 35.8 MBNate discusses 5 specific tax strategies to help retirees lower their overall lifetime tax liability, and gives examples of combining strategies to make an even bigger impact on your tax bottom line.
Episode 169: Savings Survey and Refinancing
August 22, 2022 08:00 - 24 minutes - 33.4 MBNate discusses a couple articles and gives his perspective on a survey of over 1000 American adults and shares his thoughts on doing a cash out refinance of one’s home. Sources: kitces.com - Weekend Reading for Financial Planners July 30-31 kitces.com - Consumers are Keeping More Cash on the Sidelines
Episode 168: Mailbag Questions - 529 Plans, Younger Spouse and Mom’s House
August 08, 2022 08:00 - 27 minutes - 38.6 MBJosh asks Nate his opinion on a variety of financial and retirement topics. Key takeaways and questions: Savings for college in a 529 Do I need life Insurance? Should I sell mom’s house before she goes into a nursing home? Source: ThinkAdvisor
Episode 167: 10 Things You Should Know About Bear Markets
July 25, 2022 08:00 - 27 minutes - 38.2 MBNate gives perspective around bear market declines to help give peace of mind for investors today. Key takeaways: Is a recession coming? When does a market enter a bear market? How often to bear markets happen? Source: Hartford Funds
Episode 166: Unretirement with Richard Eisenberg
July 11, 2022 08:00 - 58 minutes - 80.2 MBNate and Richard discuss several aspects of retirement including midlife financial crisis, keeping a schedule even when retired, and ways to discern whether or not the information that you find online could be biased. You can follow Richard on Twitter and LinkedIn! Check out Richard's podcast, Friends Talk Money, available on Apple Podcasts. You can also Richard's Marketwatch Blog: The View from Unretirement
Episode 165: Your Identity is Not Defined by What You Get Paid to Do! – Interview with Don Ezra
June 27, 2022 08:00 - 59 minutes - 82.5 MBNate & Don discuss why your identity is not defined by what you get paid to do. Key takeaways: What is an actuary? “Life Two” Book Working in retirement How do figure out “what to do” in retirement Fear of running out of money Short term vs long term happiness
Episode 164: Challenging Ageism with Ashton Applewhite
June 13, 2022 08:00 - 1 hour - 82.9 MBNate and Ashton discuss some of the challenges surrounding Ageism, and what people can do to bring more awareness to it, and decrease it’s affects in your life. Click here for Ashton's Book, This Chair Rocks Other sites: www.oldschool.info https://thischairrocks.com/ Key takeaways: Social Movements Ageism – Age Liberation Movement Building a more equitable world
Episode 163: Tax Myths
May 30, 2022 08:00 - 23 minutes - 32.2 MBNate discusses some myths surrounding the narrative that the rich don’t pay their fair share of taxes. Source: Tax Foundation Key Takeaways: Income Tax Shares Income Percentiles Tax Brackets Do the rich pay their fair share in taxes? Adjusted Gross Income
Episode 162: Realistic Advice for Adult Children of Aging Parents - Interview with Linda Fodrini-Johnson
May 16, 2022 08:00 - 1 hour - 83.8 MBNate and Linda Fodrini-Johnson discuss aging, the difference between dementia and Alzheimer’s, and practical steps to having those difficult conversations about geriatric care. How to recognize cognitive impairment, how to talk about it with a loved one, and how to get help when you need it. Click here for Linda's book, The Empowered Caregiver: Practical Advice and Emotional Support for Adult Children of Aging Parents Key takeaways: How can you protect your mental health? How to keep yo...
Episode 161: Retire on a Cruise Ship
May 09, 2022 08:00 - 25 minutes - 35.2 MBNate discusses different experiences of long-term cruisers as well as affordability options for people that want to try their hand at long-term cruising in retirement. Source: CNN Travel Key takeaways: Traveling in Retirement Holland America & Carnival Expenses in Retirement Residential Cruise Ships Airbnb your Home
Episode 160: Phantom Capital Gains
April 25, 2022 08:00 - 19 minutes - 26.5 MBSummary: Nate discusses what phantom capital gains are, where they come from, how they affect your tax situation, and what you could possibly do to avoid them in the future. Sources: https://www.investopedia.com/terms/p/phantomgain.asp#:~:text=A%20phantom%20gain%20is%20a,may%20have%20declined%20in%20value. https://retirementrescueradio.com/episode-118-donor-advised-funds/ Key takeaways: Tax Day 2022 Mutual Funds ETF’s After Tax Accounts Trusts
Episode 159: 10 Social Security Facts Everyone Should Know
April 18, 2022 08:00 - 22 minutes - 30.4 MBNate discusses some basics of Social Security that everyone should be aware of. Source: ThinkAdvisor Key takeaways: Full Retirement Age (FRA) Delayed Retirement Credit Divorced Spouses How is social security taxed? Which states tax social security? Will social security reserves run out?
Episode 158: Will I Pay Tax on my Roth IRA due to the 5 Year Rule?
April 11, 2022 08:00 - 13 minutes - 18.4 MBNate sheds light on the confusion surrounding the IRS’s Roth IRA 5-year rule. Three types of Roth accounts this affects: Contributions Conversions Inherited IRS pecking order of withdrawals Contributions first Conversion second Growth or earnings third
Episode 157: More Stupid Tax Stuff
April 04, 2022 08:00 - 20 minutes - 28.9 MBNate discusses the absurdity of a new Biden tax proposal. Sources: Think Advisor The New York Times Congressional Budget Office Key takeaways: Income over 100 million dollars Taxes Government Budget Billionaire Tax Estates & Capital Gains Passing on wealth to kids
Episode 156: RMD Distribution Nightmare
March 28, 2022 08:00 - 22 minutes - 30.9 MBNate discusses some of the new interpretations behind the 10 year distribution rule of IRA money after the passage of the Secure Act, and the consequences of getting it wrong. Source: https://www.thinkadvisor.com/2022/03/14/ed-slott-new-irs-secure-act-regs-are-an-rmd-nightmare/ Key takeaways: Stretch IRA Types of Beneficiaries Trusts Roth IRA Spousal Rollovers
Episode 155: Mailbag Questions – Advisor vs. Salesman
March 14, 2022 09:00 - 37 minutes - 51.4 MBNate and Josh discuss questions received through the podcast email inbox. Key takeaways: Life Insurance Bank Assets Big Purchases in Retirement Home Equity Loans Policies and plans for grandkids Inflation Market corrections
Episode 154: Should I Convert to a Roth IRA – Present Value of Money Argument is a Myth – Busted
March 07, 2022 09:00 - 23 minutes - 31.9 MB(This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individual's situation. Cannot guarantee the accuracy or completeness of the software used to display results or the outputs. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Be sure to consult with a qualified tax advisor before making any decisions rega...
Episode 153: Healthy Dad Sick Dad – Interview with Dr. Glen Robison
February 28, 2022 09:00 - 1 hour - 88 MBNate interviews Dr. Glen Robison about his book titled “Healthy Dad Sick Dad: What Good Is Your Wealth If You Don’t Have Your Health?”. Book Link: https://www.amazon.com/Healthy-Dad-Sick-Wealth-Health/dp/1544520743 Key takeaways: Nutrition in Retirement Detoxing Diet Types Dr. Robison recommends 3 things you can put into practice for better health
Episode 152: Best of RRR: Annuity Series - Income Wall Street's Way, the Bank's Way, or the Insurance Company's Way
February 21, 2022 09:00 - 25 minutes - 35.3 MBNate talks about generating an income stream from your assets in retirement. Key takeaways: Nate explores some different vehicles that are available to help create income in retirement He explains why it's important to have a withdrawal plan
Episode 151: Best of RRR - Annuity Series: The 3 Investment Worlds
February 14, 2022 09:00 - 24 minutes - 33.1 MBIn this Best of RRR, Nate discusses the different areas of you can put your money and the possible benefits in his Annuity Series, “Cutting through the Crap!” Key takeaways: Nate outlines the different areas you can put your money and the possible benefits He talks about how there is no perfect investment out there He explains The Rule of 100
Episode 150: Slow Down and Age Well – An Interview with Carl Honoré.
February 07, 2022 09:00 - 1 hour - 82.7 MBNate interviews Carl Honoré on the benefits of slowing down our busy lives and growing bolder rather than older. Key takeaways: FOMO Slowing Down in Retirement COVID and the “slow movement” Ageism Stages of Life – are the relevant in retirement?
Episode 149: Why are You Still Sitting in Cash? An Interview with Jim Bowman
January 31, 2022 13:46 - 50 minutes - 69.4 MBNate interviews Jim Bowman, President of Life Insurance at Advisors Excel, about a new concept that is a great alternative to cash. This information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. None of the information contained herein shall constitute an offer to sell or solicit any offer to buy any investment or insurance product. The information and opinions pre...
Episode 148: Mailbag Questions – I have a Pension, Do I Still Need to Save?
January 24, 2022 09:00 - 17 minutes - 24.4 MBNate and Josh discuss questions received through the podcast mailbox. To ask a question, simply email [email protected] Key takeaways: Pensions Retirement Income Analysis Saving in Retirement
Episode 147: Best of RRR - The 401k Scam
January 17, 2022 09:00 - 28 minutes - 39.3 MBWhat we’ve been told about the tax savings in these plans is a lie. Key takeaways: How did they sell it to us? Who stands to benefit from it? Nate gives a hypothetical example of how one could potentially end up paying more taxes in retirement that you saved during your working career! What to do instead to help avoid that happening. What amount should you have in these plans when you retire to help avoid paying tax on your Social Security income.
Episode 146: Best Of RRR - Intermittent Fasting & Preventing Muscle Loss as We Age
January 10, 2022 09:00 - 1 hour - 124 MBYani is co owner of Unity Gym and helped develop the “Foundational Movement System.”
Episode 145: New Year, New You
January 03, 2022 09:00 - 35 minutes - 48.4 MBNate shares tips for setting and achieving New Year’s resolutions or as he calls them, goals. He also share some of his own goals and thought processes that he goes through to make sure that he is successful with his own. Source: https://www.goskills.com/Soft-Skills/Resources/Top-10-new-years-resolutions Key takeaways: How to set measurable goals New Year’s Resolutions Money Fitness
Episode 144: Who Said It Best?
December 27, 2021 09:00 - 30 minutes - 41.8 MBNate has a little fun going over 20 quotes about money and quizzes you on who it’s attributable to. Test your financial “knowledge”! Source: https://www.wealthmanagement.com/people/how-well-do-you-know-famous-money-quotations/gallery?slide=1 Key takeaways: Time is money Quotes on money Test your financial knowledge! Investing Share values
Episode 143: The Bonus Years with Dorian Mintzer
December 20, 2021 09:00 - 1 hour - 91.8 MBNate interviews Dorian Mintzer on the bonus years and how to find happiness in retirement. Resource List – https://revolutionizeretirement.com/giveaway/ Free Monthly Webinar - https://revolutionizeretirement.com/bandbsig/ Book: https://www.amazon.com/Couples-Retirement-Puzzle-Must-Have-Conversations/dp/1402295901/ref=sr_1_3?keywords=the+couples+retirement+puzzle&qid=1638988940&sr=8-3 Key takeaways: Embracing your bonus years Optimism Ageism Hobbies in retirement Finding you...
Episode 142: Is Enough Too Much?
December 13, 2021 09:00 - 23 minutes - 32.4 MBNate discusses money and when to determine how much money is enough for retirement. Source: Psychology of Money book by Morgan Housel Key takeaways: How much money is too much? Billionaire Circle Ponzi Scheme Happiness in retirement
Episode 141: Marathons & Money
December 06, 2021 09:00 - 18 minutes - 24.9 MBNate congratulates and highlights two clients from Miller Retirement Group for running 50 marathons together as a couple. Source: https://www.fa-mag.com/news/prepare-to-live-on--33-000-a-year-if-you-retire-with-a--1-million-portfolio-64906.html?section=43&utm_source=FA+Subscribers&utm_campaign=047a98a3d6-FAN_AM_Send_052220_A-B+Split_COPY_01&utm_medium=email&utm_term=0_6bebc79291-047a98a3d6-236403437 Episode Link: https://retirementrescueradio.com/episode-111-discretionary-liquidity/ ...
Episode 140: Mailbag - Moms House, Rental Property, Farm Sale, Dream Home
November 29, 2021 09:00 - 22 minutes - 31.6 MBNate and Josh discuss questions received through the podcast. If you have questions, email them to us at [email protected] Key takeaways: Should you sell your parent’s house? Long term care Medicaid Filial Law Selling a farm before retirement Mortgage in retirement
Episode 139: No One is Crazy - Psychology of Money 2
November 22, 2021 09:00 - 17 minutes - 24.8 MBNate discusses excerpts from the Psychology of Money book by Morgan Housel. Click here to order Morgan Housel's book The Psychology of Money! Key takeaways: Psychology of Money What shapes our psychology of money? Debt Inflation
Episode 138: From Janitor to Millionaire Philanthropist-The Psychology of Money
November 15, 2021 09:00 - 23 minutes - 32.9 MBNate dissects a few excerpts from the book “The Psychology of Money” by Morgan Housel. Key takeaways: IQ, AQ, EQ Ronald Reed Financial success Relationships with Money
Episode 137: Filial Law: You May Be Responsible for your Parents Medical Bills
November 08, 2021 09:00 - 25 minutes - 35.1 MBNate discusses a little known state specific laws that could wreak havoc on you or your children’s financial plans. Click here to listen to Nate's interview with Cameron Huddleston that he referenced! Key takeaways: Filial responsibility laws Filial states Healthcare bills Long term care Home equity
Episode 136: Stupid Stuff Financial Advisors Say
November 01, 2021 08:00 - 21 minutes - 29.5 MBNate pokes fun at his industry and some of the things that advisors say. Sources: Stupid Things Advisors Say 7 Stupid Things People Do with Their Money That Feel Smart at the Time Stupid Things People Say to Advisors Key takeaways: Mortgages Negative & Positive Earnings Stocks Risk and Investing Maximizing Returns and Minimizing Risks