Planning for Taxes in Retirement: EDU #2537
September 10, 2025
If you would like to skip over Chris and Jake chatting about Jake’s recent trip to Ireland you can go to 7:00. Chris’s SummaryI am joined by Jake today, while Jim is traveling, to examine taxes in retirement. We look at why not all taxes belong in the Minimum Dignity Floor™. We also consider the trade-offs between Roth conversions and IRMAA, and the role of a cash reserve during the delay...
Listen NowSocial Security, HSA Reimbursements, and MYGAs: Q&A #2536
September 6, 2025
Jim and Chris discuss listener questions on surviving spouse Social Security benefits and Roth conversions, SSDI and pensions, the Social Security Fairness Act, managing large HSA reimbursements, and choosing between MYGAs and the TSP G Fund.(7:45) George asks whether Roth conversions count toward the earnings test when planning to claim his surviving spouse Social Security benefits.(26:30) A...
Listen NowBehavioral Finance in Retirement Planning: EDU #2536
September 3, 2025
Chris’s SummaryJim and I look at behavioral finance in retirement planning, noting that spending from secure income feels safer while drawing from assets feels like a loss. People resist balances going down after decades of saving, even though the money was built to be spent. We highlight how framing savings as deferred spending and covering the Minimum Dignity Floor™ with income addresses...
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