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Artwork for Retirement Starts Today

Retirement Starts Today

Benjamin Brandt CFP®, RICP®
Retirement Planning
Social Security
Retirement
Financial Planning
Financial Independence
Tax Planning
Retirement Spending
Roth Conversions
Inflation
4% Rule
Medicare
Investment Strategies
Stock Market
Retirement Income
Taxes
Tax Strategies
Required Minimum Distributions
Annuities
Estate Planning
Retirement Savings

Do you want to spend more money in retirement, while paying less taxes? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP, RICP. Join my "Every Day is Saturday" weekly newsletter for show notes, free book giveaways... more

PublishesWeeklyEpisodes398Founded11 years ago
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Artwork for Retirement Starts Today

Latest Episodes

There is roughly a ten-year window centered around your retirement date, five to ten years before, and five to ten years after called "The Retirement Risk Zone". This is when you're most vulnerable to sequence-of-returns impacting the longevity of yo... more

Why is it so hard to spend the money you spent a lifetime saving?

This is a question from Janet Bodnar in a Kiplinger article. She admits that one of her guilty pleasures in retirement is treating herself to a casual lunch while she's out running e... more

Your beneficiary designations are probably outdated. Not because you made bad decisions, but because you made them once and never looked again. We're going to walk through five areas where these forms commonly go wrong, and what you can do about it. ... more

How do higher oil prices impact stock market returns? Ben Carlson at A Wealth of Common Sense challenges the assumption most people have, but with some genuinely surprising and con historical data.

For those who retired right around 2022, our Liste... more

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Recent Guests

Marian Barry
Former cardiac nurse who now lives as a work camper.
Episode: Live on $2,972 monthly in an RV
Bill Bengen
Pioneer of the 4% Rule for retirement withdrawals
Episode: The Father of the 4% Rule - an Interview with Bill Bengen
Jeremy Keil
Retirement podcaster, author, and financial advisor
Retirement Revealed Podcast, Mr. Retirement YouTube channel
Episode: Top 3 Retirement Mistakes - An Interview with Mr Retirement, Ep #392
Dr. Daniel Crosby
Author and psychologist focusing on financial behaviors and retirement well-being
Author of The Soul of Wealth
Episode: The 5 Pillars of a Fulfilling Retirement (That Nobody Talks About) with Dr. Daniel Crosby, Ep #388
Joe Curry
Host of the Your Retirement Planning Simplified Podcast
Episode: For Canadian Eyes Only (bonus episode!)
Joe Saul-Sehy
Co-host of the Stacking Benjamins podcast and financial advisor with over 16 years of experience
Stacking Benjamins
Episode: Joe Saul-Sehy Shares How to Get the Most from Your Employee Benefits, Ep 386
Peter Lazaroff
Chief Investment Officer of PlanCorp
PlanCorp
Episode: Peter Lazaroff's Options for Reducing Taxes on Deferred Gains Pre-Retirement, Ep #385
Jordan Grumet
Hospice doctor, personal finance blogger, and host of the Earn and Invest Podcast
Earn and Invest Podcast
Episode: Purpose vs purpose: An interview with Doc G, Ep #382
Myra Salzer
Personality behind The Wealth Conservancy.
The Wealth Conservancy
Episode: Navigating the Complex World of Inherited Wealth with Myra Salzer, Ep #375

Host

Benjamin Brandt
Host who offers practical insights into effective retirement planning and financial management.

Reviews

4.5 out of 5 stars from 563 ratings
  • Retirement can be great

    I’m a small time investor. My brother shared this with my family, don’t know if anyone else listens or not. I listen to several podcasts a year but every time I come away with something new and insightful. Best advice I can offer is stop trying to invest on your own and hire a good fiduciary investor, but be careful not everyone who says they are a fiduciary will really look out for you, and don’t be afraid to find someone else if you need to. Always keep an eye on your financial situation a... more

    Apple Podcasts
    5
    bobjul
    United States2 months ago
  • Learn how to retire well!

    Benjamin teaches you all the financial and non-financial things you need to know to retire well.

    Apple Podcasts
    5
    Jeremy Keil
    United States6 months ago
  • PLEASE stop adding the word "right" at the end of your sentences. Sept 8th episode was really bad. Terrible vocal crutch.

    Podcast Addict
    2
    BOBO
    8 months ago
  • Good insights

    Host always has great insights. I like the article review on the front end and then a listener question at the end.

    Apple Podcasts
    5
    SoCalCuster
    United States9 months ago
  • Valuable

    If I don’t learn something new, I’m reminded of something I should be doing or something I am doing is reinforced. Life tips not related to finance are also great!

    Apple Podcasts
    5
    CTMDS
    United States9 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

The host is recognized for delivering content in a clear, engaging manner that resonates with retirement-focused individuals.
Many praise the balance of financial and non-financial discussions about retirement, emphasizing a holistic approach to planning.
Some listeners express frustration with certain production elements, but overall, the feedback is overwhelmingly positive.
Listeners appreciate the practical and actionable advice provided, often describing it as informative and educational.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Talking Points

Recent interactions between the hosts and their guests.

The Retirement Risk Zone
Q: Frank writes, I plan to delay taking social security, and I assume many others are planning to do so as well. A lot of withdrawal strategies revolve around taking a fixed or slightly adjusted amount from your retirement accounts each year, but seems to me that one would want to make larger withdrawals in their 60s to fund go-go years and then lower withdrawals in their 70s.
The idea is that the withdrawal rate in your 60s can be temporarily higher when you're delaying Social Security, but as you approach 70, delayed retirement credits reduce your dependence on portfolio withdrawals and your overall withdrawal rate drops, enabling a smoother transition with less risk.
Will Surging Oil Prices Crash the Market?
Q: I've got a question for you about how you consider using bonds versus annuities with or without income riders for generating income in retirement.
The host explains that while he doesn't broadly endorse annuities, each product has a purpose. He distinguishes between short-term annuities (like MAGAs) that can function similarly to bonds and longer-term products with income riders, cautioning that many quotes of high guaranteed payouts can be misleading because they reflect payments based on a base balance rather than a true rate of return. He emphasizes using annuities selectively as part of a diversified strategy, often preferring tools that maximize flexibility and true control over retirement runway.
The Hidden Cost Of Investment Income
Q: Are brokerage account gains subject to taxes before the money is withdrawn?
Gains in a taxable brokerage account are not taxed until you realize them by selling; unrealized gains are not taxed, while realized gains incur capital gains taxes, with long-term rates generally more favorable and subject to netting with losses.
Estimated Taxes Are a Pain. Let's make it Easier
Q: What happens when you lose faith in fixed income as the foundation for your retirement plan?
The host explains that, after a challenging 2022, a diversified approach with a balanced allocation to stocks, bonds, and cash is essential. He advocates planning with a retirement runway concept and guardrails to absorb market shocks without overreacting.
The Medicare Charge That's Taking a Bigger Bite Out of Social Security Checks
Q: How can I convince my husband's parents to spend their money?
Approach the topic with empathy, understand their underlying fears about security, and present clear, concrete options and contingency plans that show how spending can enhance meaning and reduce the risk of outliving resources without pressuring them.

Audience Metrics

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Frequently Asked Questions About Retirement Starts Today

What is Retirement Starts Today about and what kind of topics does it cover?

Focused on the intricacies of retirement planning, the content covers financial strategies alongside behavioral insights to help retirees enjoy their savings at various stages of retirement. Topics frequently discussed include effective spending strategies, the psychology behind financial decisions, and the importance of planning for both financial independence and personal fulfillment. The approach aims to alleviate common anxieties associated with retirement finances while emphasizing the value of finding purpose in post-retirement life. Listeners are often provided with actionable advice designed to help them maximize their financial resources and achieve a satisfying retirement that balances enjoyment with financial security.

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Which podcasts are similar to Retirement Starts Today?

These podcasts share a similar audience with Retirement Starts Today:

1. Retirement Answer Man
2. Stay Wealthy Retirement Podcast
3. Sound Retirement Radio
4. Ready For Retirement
5. Big Picture Retirement®

How many episodes of Retirement Starts Today are there?

Retirement Starts Today launched 11 years ago and published 398 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on Retirement Starts Today?

Recent guests on Retirement Starts Today include:

1. Marian Barry
2. Bill Bengen
3. Jeremy Keil
4. Dr. Daniel Crosby
5. Joe Curry
6. Joe Saul-Sehy
7. Peter Lazaroff
8. Jordan Grumet

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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