Free Daily Podcast Summary
Stay Wealthy Retirement Podcast: Daily Summaries Delivered
by Taylor Schulte, CFP
An award-winning retirement podcast dedicated to helping you lower taxes, invest smarter, and make work optional. Do you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte, and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week on this retirement podcast, I'll answer BIG financial questions and help you "stay wealthy" in retirement.
Latest Episodes
The most recent episodes — sign up to get AI-powered summaries of each one.
- Yesterday18 min
The 3 Questions That Reveal Your Real Inflation Risk in Retirement
When inflation makes headlines, it can feel like one of those retirement risks you just have to endure. Saving, investing, tax planning, income strategy... those are levers you can pull. Rising prices feel different. They feel like something that happens to you. But the inflation number you see in the news is rarely the number that matters most for your retirement plan. Two retirees can live through the same inflation environment and face very different risk — and the gap between them often comes down to a few things they can actually control. In this episode, I'm simplifying how retirement savers should think about inflation. You'll learn: → The 3 questions that reveal your true inflation risk → Why headline inflation can mislead retirees in both directions → How to protect your income, spending power, and retirement confidence A strong retirement plan doesn't require a perfect inflation forecast. It just needs to be built for the reality that uncomfortable periods will happen, and prepared for them before they arrive. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- 1 weeks ago30 min
5 Umbrella Insurance Mistakes That Leave Retirement Savers Exposed
Umbrella insurance isn't usually the first thing people think about when they picture retirement planning. Most conversations focus on saving enough, investing well, reducing taxes, and creating income. But in retirement, one unintentional accident can create a very different kind of risk. Not just a temporary setback, but a threat to savings you may no longer have decades to rebuild. In this episode, I'm simplifying how umbrella insurance works for retirement savers. Specifically, I'm sharing: → Why liability risk doesn't necessarily disappear after your working years → What umbrella insurance does and doesn't cover → 5 common mistakes people make when buying or reviewing a policy → A simple 4-part formula for estimating how much coverage you actually need You'll also learn why the common "match coverage to net worth" rule can be misleading + why coverage may still make sense even when the math says you don't technically need it. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- 2 weeks ago23 min
Why 2 Retirees With the Same $1M Plan Ended $3M Apart
Two retirees. Same $1 million portfolio. Same 60/40 allocation. Same 4% withdrawal rate. Same 30-year retirement. The only difference? One retired in 1973. The other retired in 1975. Fast forward 30 years: one finished with about $280,000 and the other finished with over $3 million. Same plan. Just two years apart. In this episode, I'm breaking down new research that analyzes nearly a century of market history to answer a question most retirement plans don't spend enough time on: "How much does your exact retirement date shape the outcome of your plan?" Here's what you'll learn: → Why retirement timing may matter more than your withdrawal rate or asset allocation → Why a larger nest egg at retirement has historically led to worse outcomes → A 3-part playbook, in priority order, for protecting your plan when the starting point looks unfavorable Most retirement strategies focus on what happens after you retire. But this research suggests the year you walk away from work may deserve a much bigger seat at the planning table. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- 3 weeks ago20 min
The Real Reason Wealthy Retirees Still Wake Up Anxious (And the 4 Pillars That Fix It)
Many retirement savers assume the anxiety will lift once they hit a certain number. Maybe it's $1 million. Maybe $2 million. Maybe $5 million or more. And then the account crosses the line, the headlines turn ugly, and the worry is still there. A recent Wall Street Journal headline put it bluntly: "Even Rich Retirees Fear Outliving Their Money." In this episode, I'm sharing new research from Fidelity that helps explain why having "enough" so often still doesn't feel like enough. I'm also sharing the four things I consistently see in retirees who feel genuinely secure. Here's what you'll learn: → The retirement planning factor that more than doubles confidence → A cognitive concept that explains why retirement anxiety has very little to do with your account balance → The question many well-prepared retirees still can't answer — and why ignoring it can be so costly Not one of the four pillars has anything to do with the size of your portfolio. Which raises the real question: what's actually keeping wealthy retirees up at night? *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- 4 weeks ago15 min
Why Waiting Until 70 for Social Security Can Backfire (And the Question to Ask Instead)
The math behind "wait until 70" for Social Security is real. Hold off claiming from 62 to 70 and your monthly benefit climbs by roughly 77%. So why would anyone walk away from a number that big? The short answer is that the standard break-even analysis only measures one variable. And for retirees with healthy pre-tax savings, there are other factors at play that can make "waiting" a more expensive decision than it looks. In this episode, I'm turning the mic over to Josh Rendler — a partner at our firm — who walks through a case study of a 62-year-old woman with a $1.5 million IRA and the question most retirees are wrestling with. Here's what you'll learn: → The reframe that makes "wait until 70" fall apart for retirees with healthy pre-tax balances → How Social Security timing and Roth conversions compete for the same bracket space (and why claiming earlier can actually EXPAND your conversion runway) → The planning window that opens at 61, and what gets harder to fix once it closes The biggest claiming-age check isn't always the biggest after-tax outcome. And a well-built plan shouldn't make you choose between doing the math right and actually enjoying the retirement you spent 35 years earning. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- Apr 30, 202640 min
3 Things to Review on Your Tax Return (And a Fresh Take on Social Security Timing)
Tax season is finally over. The returns are filed, the stress is behind you, and the last thing you probably want to do is think about taxes again. But the weeks right after tax season are one of the most valuable windows you have all year. Every number from last year is fresh, every missed opportunity is still visible, and every mistake you just uncovered is a clue about what to fix going forward. In this episode, I sit down with Josh Rendler, CFP®, a partner at our firm and someone who spends his days deep inside client tax returns. Together, we're answering some of the biggest questions we're hearing from retirees right now. Here's what you'll learn: → The 3 numbers on last year's return that reveal your biggest 2026 planning opportunities → How to know if charitable giving belongs in your plan (plus the QCD detail that keeps it "invisible" to the IRS) → A fresh, counterintuitive take on Social Security timing While last year's return is still on your desk: what's hiding in there that could make 2026 better? 🤔 *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- Apr 23, 202621 min
The Most Overlooked Retirement Decision (It's Not Your Portfolio)
One of the biggest decisions you'll make in your 70s and 80s has nothing to do with your portfolio. It's not about Social Security timing. And it's not about Roth conversions. It's about where you'll live and, more importantly, how care will be delivered, coordinated, and paid for if your health changes later on. Most people think of this as a lifestyle decision. But in reality, it's a housing-and-care decision, and it's one most retirement plans barely address. In this episode, I'm breaking down the later-life housing choices most retirement savers haven't fully thought through. Here's what you'll learn: → The four main housing options later in life—and how they differ in cost, care, and flexibility → What Continuing Care Retirement Communities (CCRCs) actually are (+ a little-known tax planning tip) → The four types of risk every housing decision really involves → When this decision usually needs to be made, and what can happen if you wait too long Because "we'll just stay in the house" isn't a plan...it's an assumption. And assumptions tend to get tested at the worst possible moment. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
- Apr 16, 202619 min
The 6-Digit Code That Can Drain Your Retirement Account (And How to Stop It)
According to the FBI, Americans lost nearly $21 billion to cyber-enabled fraud last year—a 26% increase from the year before. And the single largest category? Investment-related fraud, with more than $8.6 billion in losses. But what's most unsettling isn't the scale... it's how simple some of these scams really are. A retired couple recently lost thousands of dollars from their IRA after a scammer tricked them into sharing a single six-digit verification code over the phone. No hacking. No stolen password. Just one text message and one phone call. In this episode, I'm breaking down how "account takeover" scams work, why they're so effective, and the specific steps you can take to close the security gap. Here's what you'll learn: → The 3-step pattern behind most account takeover scams → Why your personal information may already be compromised (and what that means for your account security) → What to do—and what not to do—when a financial institution contacts you about suspicious activity → 3 simple upgrades to better protect your accounts that most people overlook In a world where scammers only need a few seconds to strike, your ability to slow down and take back control of the moment may be the most valuable layer of protection you have. *** 📆 BOOK A CALL WITH OUR TEAM: Your retirement involves complex, interconnected decisions—taxes, income, healthcare, estate planning, investments. See how they fit together in one coordinated strategy built around your numbers. 👉 Learn More and Book a Call *** EPISODE RESOURCES: → Grab the Episode Show Notes → Join the Stay Wealthy Retirement Newsletter → Learn About the Total Retirement System™
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About Stay Wealthy Retirement Podcast
An award-winning retirement podcast dedicated to helping you lower taxes, invest smarter, and make work optional. Do you want to avoid overpaying the IRS in retirement? Or learn how to prepare for the next stock market crash? How about when to take Social Security and how to turn your investments into reliable retirement income? Hey there! I'm CERTIFIED FINANCIAL PLANNER™ Taylor Schulte, and I was recently named the #2 Independent Financial Advisor in the U.S. by Investopedia. Each week on this retirement podcast, I'll answer BIG financial questions and help you "stay wealthy" in retirement.
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