Episode 075: Home Equity Fails Liquidity Test In this episode, I’m going to begin to show you how home equity, paying off your mortgage, fails all four tests of a wise investment. It’s very popular and very comfortable to pay off your mortgage but compared to the alternative way of being debt-free it’s a terrible […]


I was almost retired for the last two weeks… When I started my career as a financial advisor, I was only 32 years old. No money to my name, no grey hair and no experience…just what everyone wants from an advisor right? But I knew one thing: People love truth and they want to see […]


RR Episode 072: Divorce the IRS Using Roth Conversions  Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k income in the future? For those who think taxes may go up, this episode explores the option of converting your existing Qualified […]


Episode 071: Tax Torpedo – Avoid Paying Taxes on Social Security Income Taking money from IRA’s and 401K’s may allow the IRS to charge taxes on your Social Security Income. In this episode, I’ll do a brief explanation of the problem we call the tax torpedo! Included in this episode: If you think taxes are […]


I recently answered a question on Quora, related to using a Financial Advisor and if their services are worth it. I thought this question would make a really great post for this week. You should only use a financial professional for things you CANNOT do yourself How to utilize a financial advisor: What you should […]


Episode 065: How the S&P 500 Index Moves and How to Take Advantage of it! In this episode, I’m going to walk you through a process I went through in the beginning of my career as a retirement planner. Let’s look at the entire history of the S&P 500 Index and see if we can […]


Episode 061: Popcorn Retirement Competition and capitalism are great, but there’s something that’s allowed in all industries that I don’t think should be allowed in the Financial Planning Industry. The damage that this is causing to your retirement is far too much of a price to pay. In this episode, I will explain why it’s […]


Episode 053: Using Reverse Mortgages as an Investment Account Accelerator Tiger Woods is great at golf because of how he uses the clubs, not because he has great clubs. Give me his clubs and I will not have the same results as he does. In this episode, I’m going to show you how to use […]


Episode 047: My First Really Negative Feedback and Why She Was So Angry I received my first piece of hate mail and thought I would use it to help you each to see exactly why I created this show. The trance that most American retirees have been put in and how to avoid making the […]