Funding Essential Expenses in Retirement: EDU #2627
July 8, 2026
Chris’s Summary Jim and I review a reader-submitted article on funding essential expenses in retirement, examining how one engineer split his portfolio into what we would call the Minimum Dignity Floor™ and Fun Number™, using Social Security and a TIPS ladder. We compare that approach to our own income-based framework, discuss mortality credits from income annuities, and...
Listen NowSocial Security, 403b Variable Annuities, Converting Inherited IRAs: Q&A #2627
July 4, 2026
Jim and Chris discuss listener emails on Social Security spousal benefit calculations, variable annuities in a 403(b), converting Inherited IRAs, and the Social Security child-in-care provision’s effect on spousal benefits. (10:00) — A listener asks Chris to explain why his additional high-earning years increased his own benefit so little, due to Social Security’s bend point formula,...
Listen NowWhat to Know About Jointly Owned Annuities: EDU #2626
July 1, 2026
Chris’s Summary Jim and I continue our discussion on annuity insurer failures and state guarantee fund protections before turning to jointly owned annuities, examining how they differ from other jointly titled assets. We cover credited versus uncredited interest, mortality table calculations for annuitized contracts, and how a jointly owned annuity’s death benefit passes to named...
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