Caffeine And Cash Flow with Michael Schulte
76 episodes - English - Latest episode: 17 days ago -Welcome to the Caffeine & Cash Flow Podcast with Financial Advisor Michael Schulte of WestPac Wealth Partners. Are taxes, market volatility, inflation and other risks draining YOUR energy and YOUR portfolio? If you need need help planning how to tackle these financial headwinds, then this is the show for you!
New episodes bi-weekly. Visit our website for show notes, resources, more information and to contact Michael at CaffeineCashFlow.com. Or call 702-767-4897.
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Episodes
Retirement Questions That Baby Boomers & Gen X Are Asking
April 11, 2024 09:00 - 21 minutes - 20.4 MBEach generation is currently navigating a unique part of the retirement planning experience. With many Baby Boomers preparing for the transition into retirement and Generation X close behind, these two generations are asking a handful of financial planning questions. In today’s episode, we’ll share insights into the unique concerns that echo across different age groups. These are the retirement questions that each generation is asking. We’ll continue the conversation on our next episode as...
Don’t Make These Income Planning Mistakes
March 28, 2024 09:00 - 32 minutes - 30.1 MBAre you planning for your retirement with the confidence that you're making all the right moves? In today's episode, we'll unveil the crucial income planning mistakes that could jeopardize your retirement and show you how to craft a financial plan that's built to last decades, not just years. Tune in to ensure your retirement strategy is foolproof against common pitfalls and ready to secure your financial future. Here’s some of what we discuss in this episode: Don’t plan to be retired...
Estate Planning 101
February 29, 2024 10:00 - 14 minutes - 14.1 MBHave you ever considered how you’ll safeguard your financial legacy for the next generation? Today we want to dive into some of the technical aspects of estate planning and the crucial role it plays in retirement strategy. Estate planning can be as complex as it is important, but Michael will demystify the process, providing clarity on how to shield your legacy and make sure your assets flow smoothly to your heirs. Here’s some of what we discuss in this episode: What are the main thin...
How One Overlooked Issue Can Sink Your Retirement
February 15, 2024 10:00 - 21 minutes - 20.8 MBImagine your retirement plan as a ship sailing toward a horizon of rest and relaxation. But what if one leak could sink it all? In today’s episode, we spotlight some of the single oversights that could send your dreams to the bottom. We'll share key strategies to plug the gaps, ensuring your financial ship stays buoyant and on course. Tune in to protect your future from the one mistake that could derail everything. Here’s some of what we discuss in this episode: The possibility of o...
Will My Portfolio Perform Better with a Republican or Democrat in the White House?
January 25, 2024 10:00 - 26 minutes - 24.9 MBCould the US elections be the market mover that investors have been fretting over, or is that just political noise clouding the bigger financial picture? It’s time to talk about the upcoming election and what it could mean for investors over the next two years. We're not just skimming the surface; we are diving into the data to see how investments have historically fared during the electoral tides, from Truman's post-war boom to the unpredictability of Trump's term. Here’s some of what...
Preparing for the Noisy Year Ahead
January 18, 2024 10:00 - 17 minutes - 15.8 MBWho knows what this year will bring our way, but there’s plenty of noise everywhere you look. With the election ahead and everything else happening around the world, the noise can become a distraction for your financial planning. Today we’ll breakdown why a long-term strategy is your financial compass in a sea of sensational headlines and market speculation. Here’s some of what we discuss in this episode: We want to focus on strategy and tactics to make sure both are working in tandem...
12 Elements for Sustaining Family Wealth & Unity (Part 2)
December 07, 2023 10:00 - 16 minutes - 15.1 MBFor those who are fortunate enough to generate significant wealth for their family, trying to preserve that wealth for multiple generations is often the much greater challenge. It takes much more than smart investing and asset management to create and sustain family wealth. The stats tell us that just 10 percent of generational wealth lasts beyond the third generation, and you can point to a variety of reasons for that to be the case. Most people that get to this point want their family to...
12 Elements for Sustaining Family Wealth & Unity (Part 1)
December 01, 2023 11:09 - 24 minutes - 22.5 MBThe stats tell us that just 10 percent of generational wealth lasts beyond the third generation, and you can point to a variety of reasons for that to be the case. Most people that get to this point want their family to be taken care of for decades to come, but not everyone takes the necessary steps to achieve unity to within their family. Here are the six elements we discuss in this episode: Foster strong and effective communication and build trust between generations. Develop, mai...
Money Mistakes You'll Regret and How to Avoid Them
October 26, 2023 09:00 - 23 minutes - 22.5 MBEver wish you could foresee financial missteps before they happen? On today’s episode explore some real-life stories of regret and arm yourself with the essential dos and don'ts to ensure your money works for you, not against you. A lot of the things we’re going to be talking could make you lose over the long run, but we want to share what we’ve learned over years of helping people with their planning. By learning from the mistakes of others, we can hopefully prevent doing many of these sa...
Historical Performance of the Market in Times of Conflict
October 19, 2023 09:06 - 24 minutes - 22.4 MBWhen you’re in the middle of difficult periods of market volatility, it certainly seems like this time is different and things may never turn around. But is that true? In this episode, Michael is going to look through returns over the past century to see how the market rebounded after the worst years. While there’s never a guarantee that the future will look exactly like it has in the past, the statistics we’ll share on the show will highlight the importance of investing for the long-term. ...
Retirement: Ready Or Not, Here It Comes
September 28, 2023 09:00 - 18 minutes - 17.3 MBAre you nearing “retirement age”? If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. This is typically one of the first things someone asks about when they meet with a financial advisor, and there’s a lot to unwind in order to figure out when someone is ready to retire. And if they’re not...
Bouncing Back: Overcoming Investment Setbacks
September 14, 2023 09:00 - 19 minutes - 18 MBAlmost everyone has made investment mistakes at some point. Even the most successful investors have regrets about decisions they’ve made in the past. But like everything else in life, it’s all about how you respond to a misstep. In this episode, we’ll talk about how to bounce back from mistakes and avoid making them again in the future. Michael will share some numbers with us and walk us through the steps you need to take to get your investment plan back on track. The good news i...
Mailbag: Homebuying, 401k and Early Retirement Decisions
August 31, 2023 09:00 - 22 minutes - 21 MBIs there ever a right time to stop contributing to your 401k? Should you help your daughter and her boyfriend with their home purchase? What about deciding to retire at the peak of your earnings? Tune into this episode of Caffeine and Cash Flow where we tackle these questions and more. In this episode, we’ll discuss: The issues that can arise when helping your daughter buy a home with her boyfriend. With the possibility of a recession on the horizon, does it make sense to hol...
Countdown Clarity: Timing Your Retirement Preparations
August 24, 2023 09:00 - 18 minutes - 18 MBWhether you’re close to retirement or still far from that exciting date, it’s not uncommon to wonder when you should start preparing for each aspect of it. Tune in to find out how far away from retirement you should have answers to these pressing questions. In this episode, we’ll discuss: Why you should start thinking about the option to downsize about 15 years out. When you and your spouse should start picking out retirement dates and whether it’s best to stagger the...
Key Financial Decisions During Major Life Events
July 20, 2023 08:57 - 24 minutes - 23.3 MBAre you ready to take control of your finances during life's most pivotal moments? In this episode, we dive into the complex world of financial decision-making during key life events. From the excitement of marriage and the joy of welcoming a new child to the challenges of divorce and the loss of a loved one, we'll provide practical tips and guidance to help you make informed decisions and maintain financial stability. In this episode, we’ll discuss: The four things you nee...
Unsure, Confident, or Certain: Retirement Planning Next Steps
July 06, 2023 09:00 - 22 minutes - 21.6 MBIt’s not just the financially uncertain who need to think carefully about their retirement plan. Even those who feel confident in their retirement savings might still have important questions to answer and decisions to make. In this episode, we'll explore the three retirement planning mindsets: those who have no idea if they can retire, those who think they have enough money to retire, and those who know for sure they have enough money to retire. Here are the three retir...
7 Most Common Retirement Planning Mistakes (Part 2)
June 22, 2023 09:00 - 19 minutes - 18 MBWelcome to part two of our series about retirement planning mistakes. Last time, we talked about the pitfalls of ignoring tax implications, failing to diversify your investments, and procrastinating when starting your investments. On today’s show, we’ll share seven more mistakes people often make when planning their retirement. In this episode, we’ll discuss: Relying solely on employer-sponsored retirement plans. (1:34) Not adjusting your retirement budget for infla...
7 Most Common Retirement Planning Mistakes (Part 1)
June 08, 2023 09:00 - 20 minutes - 19.2 MBIn the complex world of retirement planning, there are countless pitfalls one could face. In part one of this two-part series, we're sharing seven of the top mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. Join us as we delve into these key issues and learn how to navigate them effectively when it's your turn to plan for retirement. In this episode, we’ll share: Are you ignoring future tax imp...
Ep 57: Fundamentals of Financial Planning and Baseball
May 18, 2023 09:00 - 28 minutes - 26.7 MBAfter listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can help lead to financial success in your retirement portfolio. Join us as we talk about successfully executing the financial fundamentals. We’ll dive into the importance of liability protection, saving, and reducing debt. We’ll then share a critical part of building wealth for the future...
Ep 56: How the S&P 500 Changes by Decade
May 04, 2023 09:00 - 27 minutes - 25.5 MBPeople own a handful of gigantic companies and think their portfolio is bulletproof, but it's not, especially over a long period of time like we hope your retirement will be. Some clients gravitate towards bigger S&P 500 companies, assuming that they will remain stable for years to come. While these companies may appear to have a bright future, it is not always the best bet in the long run. Just like a company’s success can change over the years, so can sports teams. In honor of b...
Ep 55: What is a Good Rate of Return?
April 20, 2023 09:00 - 20 minutes - 19.3 MBIt’s a question we hear all the time: "What’s a good rate of return?" When clients invest money, they want to see it grow. But they also wonder what rates are “good” or “bad.” It's essential to keep in mind that there's no one-size-fits-all answer to this question because everyone’s financial goals are unique. However, if you’re just looking to maximize rate of return and get rich quickly over a short period of time, that’s never a good idea. We encourage our clients to prioriti...
Ep 54: Lions, Tigers, and Bank Runs...Oh My!
April 06, 2023 09:00 - 30 minutes - 27.6 MBToday we’re talking about bank runs and some of the banking failures we’ve seen over the course of our country’s history. With the recent Silicon Valley Bank collapse, bank failures have been a popular topic featured on the news recently, and many of us are wondering how this recent event will impact our lives. Will bank collapses have an impact on your portfolio and your financial plans in general? We’ll answer those and more questions on today’s show. On this episode, we’ll shar...
Ep 53: Dollar Cost Averaging & Sequence of Returns
March 23, 2023 09:02 - 26 minutes - 25.2 MBIn this episode, we’ll explain DCA and reverse dollar cost averaging, which many people might not know about. That is the process of systematically taking money out of your portfolio and using it to pay for living expenses. That distribution period is just as important as accumulation, but people don’t spend as much time planning for it. We’ll explain why dollar cost averaging and reverse dollar cost averaging is so important and why it’s never a good idea to try and time the m...
Ep 52: Retirement Expenses For Which You Forgot To Plan
March 09, 2023 10:00 - 23 minutes - 21.7 MBWe’re willing to bet there are some retirement expenses that you may have forgotten to plan for. But don’t worry, we’re here to help you see the things you might initially overlook. On this episode, we’ll share: Are you prepared for medical expenses? (4:05) Are you prepared for parental and child assistance? (7:59) Are you prepared to pay taxes? (10:50) Learn more: https://caffeinecashflow.com/ Contact Michael: https://www.westpacwealth.com/team/michael-schulte...
Ep 51: The Incomplete Financial Plan
February 23, 2023 10:02 - 22 minutes - 21.5 MBAre you confident that your financial plan is complete? Many people believe they have a solid plan in place, only to realize later that they've missed important areas. From not accounting for long-term care expenses to overlooking the impact of taxes on retirement income, there are many ways a financial plan can be incomplete. In this episode, we'll be pointing out the most common areas people overlook when planning and provide actionable tips to ensure that your plan is as comprehensive...
Ep 50: What Impact Will a Recession Have on Your Portfolio
February 09, 2023 13:30 - 25 minutes - 24.1 MBAre we in a recession or are we headed into one? Those are the questions on a lot of minds these days. On today’s show we’re going to make sure a recession doesn’t ruin your finances or retirement plans by taking you through the historical data. On this episode, we’ll share: · Are we in a recession? (1:24) · What can the data tell us about recessions? (5:41) · What can the S&P 500 tell us about recessions? (17:47) See the historical returns for your...
Ep 49: Back To Basics - Understanding Income Planning
January 19, 2023 10:00 - 25 minutes - 24.4 MBDo you understand the basics of income planning? It’s important that you know this topic well and understand how it fits into your overall retirement plan. Why is income planning so important for retirement? We’ll share the 10 states where $1 million in retirement savings will run out the fastest, which will show you how much it can vary for retirees. As we talk through this, we’ll also discuss what percentage of your income we recommend you save and invest. You don’t want to miss today’s ...
Ep 48: Market Volatility & Investing Mistakes
January 05, 2023 10:00 - 26 minutes - 24.8 MBMarket volatility became the norm in 2022. Are we in for more of the same in 2023? On today’s show, we’ll talk about the market outlook for the next 12 months. We’ll also share tips on how you can best prepare for potential future volatility. No matter how you handle volatility, your financial advisor should be there to help guide you through the rough patches. On this episode, we’ll share: Mergers & Acquisitions says “signs point to more market volatility in 2023.” (2:25) How to ...
Ep 47: 7 Steps for Planning to Sell a Business
December 15, 2022 10:00 - 21 minutes - 20.5 MBWe work with a lot of business owners, and a common question we get is about creating an exit plan for when they want to retire or sell their business. This type of financial planning often gets overlooked, but it is so crucial to get right. There’s not a lot of planning in the financial services industry around selling your company. That’s unfortunate, because it’s typically the biggest asset on a client’s balance sheet. Today, we are here to help with this important topic. On this ...
Ep 46: Most Common Retirement Planning Questions About Taxes
December 01, 2022 10:00 - 27 minutes - 37.3 MBAs we approach the end of the year, saving money on taxes becomes a bigger focus for many people. Today we’re focusing on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in your tax savings. We’ll also explain why a tax deduction is not a dollar for dollar reduction. On this episode, we’ll share: Am I going to have as many tax deductions in retirement? (2:54) Will my tax r...
Ep 45: Warning Signs: How To Spot Problems In Your Financial Life
November 17, 2022 10:00 - 20 minutes - 19.9 MBJust like the lights on your dashboard can indicate if something is wrong with your car, like low tire pressure or leaking oil, there are indicators in your financial life that might point out that you have a problem that needs to be addressed. On today’s show, we’ll explain why your net worth, your view of retirement and your thoughts on nursing homes might be problematic. In this episode, we’ll share: Why your guess of what it takes to fund your lifestyle is probably way off. (2:10) ...
Ep 44: How Bonds Work: What Retirees Need To Know
November 03, 2022 09:00 - 29 minutes - 28 MBBonds have been a pretty hot topic this year. And, oftentimes, people misunderstand how they work and what role they play in a proper financial plan. On today’s show, we’re addressing some of the misinformation and explaining why this has not been a good year for bonds. A lot of people consider bonds to be the safe and conservative part of their portfolio. But is that the right mindset? In this episode, we’ll share: What are bonds, and how do they work? (2:02) How are bond funds diff...
Ep 43: Headline News and Financial Reality
October 20, 2022 09:00 - 22 minutes - 21.3 MBToday we're checking out some headline news. Are the negative news stories as bad as they seem? And how should you react when you read news that could impact your finances? We’ll give you insight into what is portrayed in the media and what is reality. It’s so hard to get unplugged in 2022. You always have media and news at your fingertips. But we are here to help you get a handle on financial news you can use. In this episode, we’ll share: How the media makes money, and why clicks are ...
Ep 42: Where is the Bottom of the Market?
October 06, 2022 09:00 - 22 minutes - 21.6 MBWhen the markets take a tumble, people often wonder, where is the bottom? We’ve gotten this question from clients quite a few times lately, so we wanted to address it on today’s show. Mathematically speaking, we can tell people pretty close where the bottom of the market is for their mix of assets. There are no surprises if you dial in the math. In this episode, we’ll share: Why the S&P 500 and Dow Jones are the indexes that everybody talks about, and what the historical returns show. (...
Ep 41: How Procrastination Dooms Your Financial Future
September 15, 2022 09:00 - 17 minutes - 16.7 MBPeople have many reasons for procrastinating when it comes to putting a retirement plan together. Today we’ll explore some of those excuses and why they can be dangerous. We’ll also share how to overcome them. In this episode, we’ll share: Why you need to plan for retirement, even if your parents didn’t and they turned out “fine.” (3:01) What to do if you don’t know who to listen to when it comes to financial advice. (5:01) How to plan for the future, even if financial discussions s...
Ep 40: Should You Follow These Popular Retirement Rules of Thumb?
September 01, 2022 09:00 - 21 minutes - 20.5 MBYou’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us down the path of good financial guidance or run a chance of leading us astray. On today’s episode, we’ll cover six of the most popular rules of th...
Ep 39: Revealing The Financial World’s Dirty Little Secrets
August 18, 2022 09:00 - 21 minutes - 20.8 MBEvery industry has some dirty little secrets. Today we’re letting you in on some of the financial world’s secrets. How many of these are you familiar with? What we discuss in this episode: 2:09 – No one knows 7:35 – Not that important 11:52 – Skill and luck 16:56 – Bold opinions More Information: http://savingtheamericandreampodcast.com
Ep 38: Where Crisis & Opportunity Meet
August 04, 2022 09:00 - 17 minutes - 16.8 MBSometimes in life you hit a financial crossroads of crisis and opportunity. We’ll explain how to find the good when bad times are happening. What we discuss in this episode: 2:23 – Empty nest crisis 5:07 – Bear market crisis 11:32 – Layoffs More Information: http://savingtheamericandreampodcast.com
Ep 37: What They’re Saying - Analyzing Advice on Surviving a Bear Market
July 21, 2022 09:00 - 20 minutes - 19.7 MBIt’s no secret the stock market is in turmoil. We’re in a bear market and the R-word (recession) is getting thrown around daily. So, what can you do to survive bear markets like the one we’re in now? We’ve collected advice from various commentators and “experts” from across the country. You might have even heard some of this advice yourself. But should you follow it or proceed with caution? We’ll breakdown the guidance to provide some important context and perspective. What we discuss ...
Ep 36: Can You Get An A+ On Our Retirement Planning Quiz?
July 07, 2022 14:02 - 31 minutes - 30.2 MBHow prepared are you for retirement? Do you know how much income you’ll need and what retirees fear the most? Today we’re testing your knowledge to see if you have what it takes to retire successfully. What we discuss in this episode: 2:36 – Start saving 8:08 – Best estimate 12:34 – Fear the most 15:37 – Diversified plan 21:30 – Withdrawing money 25:23 – Mailbag: Rate of return More Information: http://savingtheamericandreampodcast.com
Ep 35: What To Do as You Count Down the Days to Retirement
June 23, 2022 09:00 - 27 minutes - 26.4 MBIf you’re counting down the days until retirement, we have a checklist of things you need to keep in mind. We’ll help you get ready for the big day and make sure you are ready financially and otherwise. What we discuss in this episode: 1:50 – Getting healthy 4:00 – Free time 5:54 – Work 7:17 – Save more 9:26 – Debt 11:02 – Risk 14:24 – Emotion 17:26 – Taxes 19:31 – Cash 23:07 – Overthinking 23:47 – Advice More Information: http://savingtheamericandreampodca...
Ep 34: Can I Retire at 55?
June 09, 2022 09:00 - 24 minutes - 23.3 MBCan I retire at 55? We get this question a lot, especially with the recent trend of people trying to retire earlier. Most people don’t know if they can retire early, but we can help. What we discuss in this episode: 1:02 – Can I retire at 55? 3:16 – How many want to retire early? 4:00 – Social Security 5:48 – Retirement accounts 7:31 – Health care 8:41 – When to start planning 10:19 – Comment: Pensions 12:44 – Comment: Inflation 13:51 – Comment: Savers 17:34 – Questi...
Ep 33: Mailbag - Twitter Stock, Private College and Life Insurance
May 19, 2022 09:00 - 23 minutes - 21.7 MBIs now a good time to buy Twitter stock? Should I send my child to an expensive private college? Do I have too much money in the bank? We’re answering these and other questions from our listeners today. What we discuss in this episode: 1:52 – Invest in Twitter? 8:02 – Private college 10:20 – Financial advisors and budgets 11:24 – Crying about money 14:16 – Too much in the bank? 16:19 – Life insurance 18:43 – Husband refuses to retire More Information: http://savingth...
Ep 32: How Fear and Pessimism Sell
May 05, 2022 09:00 - 28 minutes - 25.7 MBFinancial media often uses fear and pessimism when reporting. It drives ratings and sells. But watching too much of that could be harming your financial peace of mind. What we discuss in this episode: 2:11 – Facts about financial media 5:52 – Money anxiety and Mark Cuban 9:38 – Magazine covers 13:58 – Predicting collapse 18:03 – True bottom 21:20 – A time to panic? 23:45 – Checking with clients More Information: http://savingtheamericandreampodcast.com https://w...
Ep 31: How Should You Prepare for the Next Market Crash?
April 21, 2022 09:00 - 19 minutes - 17.6 MBLast episode we talked about market crashes and what they are. Today we’re sharing how you can prepare yourself for possible market crashes. What we discuss in this episode: 1:58 – How to prepare 4:41 – Emotions 6:59 – Handling market corrections 9:10 – Downturns happen 10:45 – Help from your advisor 11:50 – Crashes can create opportunities 13:47 – When’s the next crash? More Information: http://savingtheamericandreampodcast.com
Ep 30: History of Market Crashes
April 07, 2022 12:29 - 31 minutes - 28.5 MBPeople sometimes ask: Are we going to have another market crash soon? With Ukraine and Russia in the news, as well as inflation, people have been worried about possible World War III and their finances. We’ll share some historical background on market crashes. What we discuss in this episode: 2:34 – What is a market crash? 5:42 – Historical rate of return 8:42 – 2000-02 tech crash 11:32 – Tech crash markets 16:25 – 2007-09 crisis 18:42 – Diversification 22:41 – Downturns a...
Ep 29: Home Run Retirement - How Baseball Principles Also Score Financial Runs
March 24, 2022 10:00 - 19 minutes - 17.8 MBAfter listening to today’s episode, you’ll never attend another baseball game with the family and look at it the same way. We’re going to show you how taking some of baseball’s most basic principles can also lead to financial success in your retirement portfolio. So, grab your peanuts and crackerjacks and let’s take the financial field. What we discuss in this episode: 4:07 – Home runs 8:29 – Moneyball 12:37 – Five-tool players 16:40 – Game plan More Information: http://...
Ep 28: How Do World Conflicts Impact Financial Planning?
March 10, 2022 10:00 - 12 minutes - 11 MBThe ongoing conflict between Russia and Ukraine is making news all over the world. People are concerned about the humanitarian crisis, as well as the economy. On today’s show, we’ll talk about how wars have historically affected the market. What we discuss in this episode: 1:28 – Wars and the market 2:40 – World War II 4:03 – Korean War 4:50 – Market history 8:36 – Big picture More Information: http://savingtheamericandreampodcast.com
Ep 27: Mailbag – Divorce, Life Insurance, and More
February 17, 2022 10:00 - 13 minutes - 12.5 MBToday we’re answering your mailbag questions. Should a dentist sell his building and his business? How do you prepare for divorce financially? We’ll answer these and other questions on today’s show. What we discuss in this episode: 1:28 – The most epic way someone was fired or quit 3:43 – Dentist wants to retire 6:04 – Getting a divorce 7:17 – Whole life insurance 9:17 – Fun and travel More Information: http://savingtheamericandreampodcast.com
Ep 27: Mailbag - Pension Buyouts, Divorce, and Life Insurance
February 17, 2022 10:00 - 17 minutes - 17.2 MBToday we’re answering your mailbag questions. Should a dentist sell his building and his business? What should you do with a pension buyout? How do you prepare for divorce financially? We’ll answer these and other questions on today’s show. What we discuss in this episode: 1:28 – Most epic way someone was fired or quit 3:43 – Dentist wants to retire 6:16 – Eliminating pensions 8:39 – Getting a divorce 9:52 – Pastor and Social Security 11:22 – Whole life insurance 13:38 – ...