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by Roger Whitney, CFP, CIMA, RMA, CPWA
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.
Latest Episodes
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- Yesterday1h 5m
Retirement Toolkit: Never Worry About Money Again with Jesse Mecham
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 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 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 Christine asks about rebalancing her retirement portfolio. Peter asks about qualified and ordinary dividends. Paul asks about supporting adult children financially. Ron asks whether future taxes should be considered when calculating net worth Lisa wonders whether financial planners have financial planners of their own.SMART SPRINT 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 Roger reflects on the summer goals he set earlier in the year and encourages you to revisit your own intentions before the season ends. REFERENCESNever Worry About Money Again by Jesse MechamYNAB (You Need A Budget)Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- 1 weeks ago53 min
Retirement Toolkit: How do you Balance Optimization with Simplification
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 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 Finding your "golden mean" between optimizing your retirement plan and keeping it simpleWhy retirement planning often overemphasizes financial optimizationThe difference between optimizing for money and optimizing for lifeHow Aristotle's concept of the golden mean applies to retirement decisionsUsing the OODA Loop (Observe, Orient, Decide, Act) to make better decisionsRecognizing personal biases before making financial decisionsEvaluating trade-offs and second-order consequences before pursuing tax strategies, Roth conversions, and other optimization opportunitiesLISTENER QUESTIONS Roger answers a listener's question about home cost basis. Can dividend income be used to fill the gap in my retirement income floor? Are bonds still a good conservative investment, or should I use CDs instead?SMART SPRINT 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 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 fullyREFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- 2 weeks ago55 min
Retirement Toolkit: How to Rebalance a Retirement Portfolio
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocation and a retirement allocation, explaining how to organize your assets to support both your current lifestyle and your future needs. Along the way, he answers listener questions about speculative investments, the retirement red zone, the Rule of 55, and managing retirement cash reserves.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN Roger explains why portfolios naturally drift over time and why rebalancing helps keep your retirement plan aligned with your long-term goals.RETIREMENT TOOLKIT Roger explains how to rebalance a retirement portfolio, introduces his retirement allocation strategy, and shares practical tips for keeping your investments aligned with the life you want to live.LISTENER QUESTIONS BB asks whether a high-risk AI cryptocurrency investment belongs in a retirement portfolio. Roger discusses separating speculative investments from retirement assets and investing with intention. Jim asks how the retirement red zone changes for people who retire early. Roger explains sequence of returns risk and why its impact depends on factors like retirement age and overall funding. Jamie asks how the Rule of 55 applies to her 401(k). Roger explains why eligibility depends on the employer's retirement plan and recommends checking with the plan administrator. Pat asks how to replenish a retirement money market account each year. Roger discusses coordinating withdrawals with tax planning and maintaining flexibility in retirement income.SMART SPRINT Roger encourages listeners to identify their target retirement allocation by defining how much they want in their contingency fund, income reserve, and long-term growth portfolio.ON THE BOOKSHELF Nicole recommends Undistracted by Bob Goff, and Mark recommends Living Life in Crescendo by Stephen R. Covey and Cynthia Covey Haller. Roger shares his thoughts on lifelong growth and purpose in retirement. REFERENCESSubmit a Question for RogerSign up for The NoodleUndistracted: Capture Your Purpose. Rediscover Your Joy. by Bob GoffLiving Life In Crescendo by Stephen R. CoveyNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- 3 weeks ago49 min
Retirement Toolkit: How Does Step Up in Cost Basis Work
This week Roger talks about one of the biggest challenges retirees face today: information overload. He explains why more information doesn't always lead to better decisions and why building a great retirement starts with focusing on what matters most to you. In the Retirement Toolkit, Roger unpacks stepped-up cost basis, covering how it works, when it matters, and how it can become a valuable estate planning tool. Along the way, he answers listener questions on retirement income strategies, cash reserves, government retirement accounts, and how to create a retirement plan that's both practical and personal. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN Roger discusses how information overload can make retirement planning feel overwhelming and explains why simplifying your focus leads to better decisions.RETIREMENT TOOLKIT Roger breaks down stepped-up cost basis, explaining how inherited assets receive a new tax basis at death, which assets qualify, how the rules differ for spouses, and how this strategy fits into estate and retirement planning.LISTENER QUESTIONS Mike asks whether adding a whole life insurance policy is an effective retirement income strategy. Roger explains why it's important to build a retirement plan first before evaluating insurance products and discusses situations where whole life may or may not make sense. Allison asks about the federal TSP's pro-rata withdrawal rules and whether rolling funds to an IRA would make a bucket strategy easier to implement. Steven asks how much cash to have available before retirement. Roger shares his approach for building a five-year spending reserve while balancing flexibility and sequence-of-returns risk. Tom asks whether to model retirement spending using flat nominal dollars or adjust for inflation and the retirement spending smile. Roger explains why retirement plans should reflect personal spending goals rather than population averages.SMART SPRINT Roger encourages listeners to filter information through their own priorities, remembering that general advice is only valuable if it applies to their unique situation.REFERENCESSubmit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- 4 weeks ago45 min
Retirement Toolkit: How Required Minimum Distributions (RMDs) Work
This week Roger explores the idea of "digging where your feet are" and how focusing on what you can do today can reduce anxiety about the future and regret about the past. In the Retirement Toolkit, he explains the basics of Required Minimum Distributions (RMDs), including when they begin, which accounts they affect, how they're calculated, and strategies for managing them through retirement. Listener questions cover Roth conversions, 401(k) rollovers, donor-advised funds versus direct charitable giving, and healthcare costs before Medicare. Roger closes the episode with a Fourth of July story about unexpected kindness from strangers in rural Texas.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN Roger introduces the idea of "dig where your feet are" and explains why focusing on today's actions leads to better retirement planning than living in the future or the past.RETIREMENT TOOLKIT Roger breaks down Required Minimum Distributions (RMDs), explaining what they are, when they begin, which retirement accounts are affected, how they're calculated, and strategies for minimizing their long-term tax impact.LISTENER QUESTIONS Michael asks whether Roth conversions are worthwhile with only a short window between retirement and the start of Required Minimum Distributions. Lynn asks how to minimize market risk when rolling a 401(k) into an IRA and worries about being out of the market during the transfer. Sandy shares concerns about donor-advised funds and encourages earlier conversations around charitable giving. Roger discusses both the advantages and criticisms of donor-advised funds. John shares concerns about healthcare costs before Medicare. Roger discusses replacing vague fears with concrete planning and evaluating the trade-offs of retiring early.SMART SPRINT Roger's challenge this week: estimate your future Required Minimum Distribution using an online calculator to better understand how RMDs may affect your retirement income and taxes.CLOSING THOUGHTS Roger shares a Fourth of July story about his daughter receiving help from several strangers after experiencing car trouble in rural West Texas, reflecting on kindness, generosity, and the spirit of America.REFERENCESSubmit a Question for RogerSign up for The NoodleCharles Schwab Required Minimum Distribution CalculatorNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- Jun 24, 202649 min
IRMAA: The Medicare Premium Surprise and How to Avoid It
This week Roger breaks down IRMAA Medicare surcharges and why retirees should understand them without letting them dominate retirement planning decisions. He explains how the income thresholds work, common planning mistakes to avoid, and what happens if you cross into a higher premium bracket. Listener questions cover gifting strategies with adult children, Social Security claiming options for spouses, health insurance before Medicare, long-term care planning, combining finances later in life, and the tax treatment of gifts. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN Roger introduces IRMAA Medicare surcharges and explains why understanding them can help avoid surprises and unforced planning mistakes.RETIREMENT TOOLKIT Roger breaks down IRMAA Medicare surcharges, explaining when they apply, why they matter, and how retirees can avoid being caught off guard by higher Medicare premiums. LISTENER QUESTIONS John asks whether purpose-driven gifts to adult children impose the giver's values and how to balance generosity with expectations. Joe asks how Social Security spousal benefits work when one spouse delays claiming until age 70. Paul asks whether it's possible to wait until getting sick before enrolling in Affordable Care Act coverage. Paul asks about using a Roth IRA as a self-funded long-term care reserve instead of purchasing long-term care insurance. Suzanne asks for advice on combining finances in a later-life marriage between two retired widows. Dave asks whether recipients of financial gifts owe taxes on the money they receive.SMART SPRINT Roger's challenge this week: take a break from planning and simply enjoy life.ON THE BOOKSHELF Kevin Lyles reviews The Stimulated Mind: Future-Proof Your Brain from Dementia and Stay Sharp at Any Age by Dr. Tommy Wood.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleON THE BOOKSHELFThe Stimulated Mind: Future-Proof Your Brain from Dementia and Stay Sharp at Any Age by Tommy WoodNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- Jun 17, 20261h 4m
Mutual Funds vs. ETFs- Which is Better for Retirement?
This week, a simple quote about wasting time sparks a deeper conversation about why retirement isn't meant to be endlessly optimized. In the Retirement Toolbox, we compare mutual funds and ETFs, exploring their differences in costs, trading, and tax efficiency. Listener questions cover Roth conversion assumptions, choosing between a pension and lump sum, whether the Shiller PE ratio can predict market crashes, and how to think about portfolio risk without falling into the trap of over-optimization.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN The episode opens with a reflection on the value of wasting time and why not every moment in retirement needs to be optimized or productive.RETIREMENT TOOLKIT In today’s Retirement Toolkit, Roger breaks down the differences between mutual funds and ETFs, focusing on how structure, trading mechanics, costs, and tax efficiency can impact which vehicle is best suited for different types of accounts and investing strategies. LISTENER QUESTIONS A listener asks whether future tax brackets should be adjusted when modeling Roth conversions and why long-term tax projections have significant limitations. The pros and cons of keeping a pension versus taking a lump sum are examined, along with a framework for comparing guaranteed income to investment alternatives. The Shiller PE ratio is put under the microscope as the conversation explores whether market valuations can reliably predict future crashes or returns. Portfolio risk, AI, and the dangers of over-optimization are discussed, with an emphasis on building a strategy that aligns with both goals and temperament.SMART SPRINT This week's challenge is simple: intentionally waste some time and enjoy activities that have no agenda or productivity goal.DECLUTTERING DEBRIEF A listener shares the reminder that "the thing is not the memory" and why letting go of possessions doesn't mean letting go of meaningful experiences.ON THE BOOKSHELF A listener recommendation of Snow Crash by Neal Stephenson as well as Roger’s recommendation of The Match, a nonfiction story about a legendary 1956 golf match and the players involved. REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleON THE BOOKSHELFSnow Crash by Neal Stephenson The Match: The Day the Game of Golf Changed Forever by Mark Frost Note: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
- Jun 10, 202641 min
Know What You Pay: A Guide to Investment & Advice Costs
Roger Whitney explores the relationship between cost and value in retirement planning, focusing on how to better understand the fees associated with financial advice, investments, and insurance products. Using a listener question about an annuity recommendation as a starting point, he explains why investors need clarity around what they are paying so they can determine whether they are receiving enough value in return. Roger also answers listener questions about transitioning into retirement, creating an income strategy before Social Security begins, and shares more decluttering wins from the community.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN Roger introduces the idea that understanding value requires first understanding price, and explains why investment and advisory fees can often feel difficult to identify.RETIREMENT TOOLKIT Roger explores the relationship between price and value in financial planning, using a listener question about annuities to explain how advisor fees, investment expenses, and compensation structures work. He encourages listeners to understand what they are paying in dollar terms so they can determine whether the value they receive aligns with the cost. LISTENER QUESTIONS A listener asks for guidance on navigating the emotional transition during the final year before retirement and how to "land the plane" well. Roger shares listener feedback from his healthcare episode. Roger addresses a question about whether paying for family vacations should count toward annual gifting limits. Molly asks how to structure retirement withdrawals before claiming Social Security, and Roger shares his approach to creating an income reserve.SMART SPRINT Take 20–30 minutes this week to identify the fees associated with your investments or financial advice and convert them into dollar amounts so you can better evaluate the value you receive.DECLUTTERING DEBRIEF Roger shares listener success stories inspired by the decluttering series.REFERENCESlivewithroger.com — Register for Noodle Live on June 18!Submit a Question for RogerSign up for The NoodleNote: The opinions expressed are for informational purposes only and should not replace personalized advice from licensed professionals.
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About Retirement Answer Man
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.
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