Episode 086: Ignorance or Immorality, Does it Really Matter? The Renovating Retirement podcast has now been live for almost nine months. Every week I review financial plans from people all over this great country. I’m speaking live in four cities, working with advisors in six cities and building a financial plan for people all over […]


This is a great question as Life Insurance can be used to do a number of wonderful things: They are sick of not earning any money on their bank account/cash/emergency fund money Use Single Premium Universal Life Insurance with Full Return of Premium to average 2–4% with a death benefit and possibly Long Term Care […]


Spend less than you earn…and save the rest! Stop Losing Money Using indexed strategies, where you lose no money when the market goes down, will protect you from losses you cannot afford to recover from over a 28-year period. Losing money is optional. More Risk, More Reward is no longer true! A little-known tool called The Annual Reset […]


Hosting a podcast takes a lot of time, but it’s also very rewarding. I’ve interviewed a few people on my show, and I’ve had the opportunity to be interviewed on a few shows as well. One being The Old Dawg’s REI Network The Old Dawg’s REI Network is hosted by Bill Manassero. He presents an engaging series […]


Episode 081: The Problem with Reverse Dollar Cost Averaging Dollar Cost Averaging is a very popular strategy when you are saving money for retirement. When you retire and begin taking money out of retirement accounts, Reverse Dollar Cost Averaging presents a problem and it’s important to understand this problem. In this episode, I’ll explain Reverse Dollar […]


Episode 080: Using Mortgages to Supercharge Investments In this episode, I’m going to teach you how to use mortgages to supercharge any type of monthly or annually funded investing you are doing. If you are putting money into 401Ks, IRAs, or mutual funds monthly or annually there’s a better way that can net 91% more […]


I recently recorded 5 Renovating Retirement Podcast episodes on how home equity is not a wise investment. Home equity is defined as is the market value of a homeowner’s unencumbered interest in their real property. Money put inside of the home and the interest on top of the mortgage. Home equity and mortgages go hand […]


Episode 079: Where to Store Home Equity The last four episodes have proven that home equity fails every test of a wise investment and that no one can say that paying off your mortgage is a conservative strategy. So, if you are not going to pay off your mortgage, where should you be storing/building up […]


Episode 077: Home Equity Fails Rate of Return Test What’s the rate of return you earn on your home equity? Did you say, “Oh, over the last 30 years homes appreciated about 5-7%” or something like that? You just made a mistake that’s costing you thousands of dollars per year and causing you to carry unnecessary […]


Episode 076: Home Equity Fails Safety Test In this episode, I’ll cover the second proof that paying off your mortgage is a dangerous and unwise financial decision based on outdated data. Home equity is not safe from depreciation, foreclosure, or natural disaster even if you carry insurance. All tests of a wise and conservative investment. Included […]