Advertise on podcast: Saving With Silverman

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Clutter isn’t just a problem in your garage, it creeps into your finances, too. In this episode, Mark talks through the habits, products, and decisions that weigh down your money without adding real value. Discover how to clean up your finances and invest confidently for the future. If your finances feel messy or inefficient, this is a smart place to start cleaning up. Here’s what we discuss in today’s show: 🧾 Debt Reality: Knowing what actually adds value 🎢 Risk Awareness: Understanding what you’re really exposed to 💸 Hidden Costs: Fees that quietly erode your progress 💤 Lazy Money: Cash that’s falling behind inflation 🤝 Trust Matters: Avoiding costly mistakes and bad incentives   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home What does The Wizard of Oz have to teach us about smart financial planning? More than you might think! In this episode, Mark uses the timeless lessons of Dorothy and the Yellow Brick Road to explain why a clear financial plan matters- and why “winging it” rarely works. Just like the journey to the Emerald City, retirement planning requires direction, flexibility, and the ability to adjust when obstacles pop up along the way. Here’s what we discuss in today’s show: 🟡 Why every retirement plan needs a clear “Yellow Brick Road” 🧩 Financial planning is more than investing 🏡 The emotional vs. financial side of paying off your mortgage 🧠 Improving financial literacy and avoiding bad advice 🧙‍♂️ The importance of getting advice from qualified sources Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home The doctor is in! Most people worry about small financial details while ignoring the big issues that can quietly derail retirement. In this episode, Mark introduces a series of “financial diseases” that show up when planning gaps go unchecked. You’ll hear how easy it is to miss these problems until they become expensive. The good news: once you can diagnose them, you can actually treat them. Here’s what we discuss in today’s show: 🧭 Risk Awareness: understanding time horizon and volatility ⚠️ Risk Apathy: ignoring portfolio risk until stress hits ⏳ Longevity Risk: inflation and living longer than expected 🏥 Care Costs: long-term care expenses catching families off guard 💸 Tax Exposure: Uncle Sam taking more than expected   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Step into a fairytale-inspired take on financial planning as Mark matches real-life money habits to the colorful personalities of the seven dwarfs. Gain fresh perspective and actionable wisdom for your own financial story, all while having a little fun along the way. Ready to discover which financial dwarf you might be? You might be surprised which one you relate to most. Here’s what we discuss in today’s show: 🧙 Seven Dwarfs & Money Habits: how timeless personalities show up in financial planning 😐 Managing “Grumpy” Clients: expectations, mindset, and choosing the right fit 🥱 Sleepy Investors: how disengagement affects long-term outcomes 🤒 Health Concerns & Planning: why “Sneezy” needs a different retirement timeline 🧠 Working With “Doc”: why intelligence doesn’t always equal good money decisions   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Planning for retirement has a lot in common with playing golf. In this episode, Mark uses the golf course as a metaphor for smart investing and retirement planning. Retirement has its own “hazards.” Unexpected healthcare costs, tax surprises, market downturns to name a few. The danger isn’t just in the risk, but in not seeing it coming. Good planning doesn’t just aim for the green; it identifies the bunkers and creeks in your way. Here’s what we discuss in today’s show: ⛳ Retirement & Investing: why consistency beats the search for a “hole in one” strategy 💸 Annuity Caution: understanding sales pitches that sound too good to be true 🎯 Right Club, Right Shot: how diversification helps you adapt to changing markets 🧾 Advisor’s Role: how an advisor acts as your financial caddy, guiding your full game plan   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Is downsizing right for you in retirement? For many retirees, the decision to downsize isn’t just about saving money; it’s about simplifying life. Mark reveals why moving to a smaller home isn’t always a money-saver, digging into costs like mortgages, HOA fees, and property taxes. He shares his personal perspective and explains how family needs and lifestyle goals play a role. Tune in for practical advice to help you weigh the real pros and cons before making this big move. Here’s what we discuss in today’s show: 🏡 Downsizing Decisions: understanding when a move makes financial and lifestyle sense 💵 Financial Planning Factors: how selling, buying, or renting affects your retirement budget 🧹 Maintenance & Upkeep: reducing home responsibilities without sacrificing comfort 💬 Emotional Shifts: preparing for the lifestyle changes that come with “less stuff” 🧭 Timing Matters: why market conditions and tax considerations should guide your decision   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home When it comes to retirement, there are certain realities you simply can’t ignore, no matter how much you might want to. In this episode, Mark takes a practical look at the challenges retirees face and how to prepare for them with confidence. The best way to be ready for a major life change is to learn as much as you can ahead of time so let’s make sure you know what’s coming. Here’s what we discuss in today’s show: ⏳ Longer lifespans mean your money must last decades, not years 💊 Healthcare and long-term care costs rise faster than inflation ✈️ Enjoy active retirement early while health allows it 💸 Beware of high-commission products that promise easy fixes   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home We’ve all heard sayings like “real estate never fails” or “a mortgage is good debt.” But is conventional wisdom always wise? In this episode, Mark takes a closer look at some of the most common money beliefs and reveals where they can lead you astray, especially as you prepare for retirement. Don’t let outdated advice steer your retirement; learn what’s really true for today’s world. Here’s what we discuss in today’s show: 🏠 Real estate isn’t always the “can’t lose” investment 📉 Why “good debt” like a mortgage isn’t always good 🕰️ Planning your time in retirement is just as vital as your finances 📊 Timing the market vs. time in the market 💡 Peace of mind often matters more than numbers on a spreadsheet   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home   In today’s mailbag, Mark answers three real listener questions. First, when it’s time to replace a car, is it smarter to use your emergency fund, pull from an IRA, or finance with a monthly payment? Next, a recent college grad asks how much she should realistically save each month toward retirement, a home, and future travel. Finally, a listener approaching retirement wonders if having less than a million dollars saved is enough to live comfortably. Here’s what we discuss in today’s show: 🚗 Weighing options for buying a car in retirement 💰 Why emergency funds should always be replenished 📈 Starting small and increasing savings over time 🧮 Why “a million dollars” isn’t a magic retirement number 🛠️ How a financial plan adapts to your unique life   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home   What’s the risk if only one spouse handles the finances? What are the smartest ways to plan for long-term care costs? There are plenty of ways retirement plans can go off the rails. In this episode, Mark shares real-world “financial disaster” scenarios he’s seen and how to keep them from happening to you. These aren’t just market risks, they’re life events that can derail your savings, shake your confidence, and force you to make tough choices you never planned for. Here’s what we discuss in today’s show: 🗝 Keys to safeguarding your retirement income 🏥 Planning for long-term care without draining your savings 🏚 The risks of living solely on Social Security 🛡 Building a resilient retirement plan to weather life’s surprises 🏦 Protecting your nest egg from market volatility   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Major life decisions (like taking a big trip or starting a business) can all have lasting effects on your financial future. The impact isn’t always obvious upfront, but without a solid plan, even a well-intentioned move can throw retirement off course. This episode, Mark talks about making smart choices before money becomes a source of stress. It’s not just about cutting back or saying no, it’s about understanding how each decision fits into the bigger picture. Here’s what we discuss in today’s show: 💰 Turning $500K into reliable income 📉 The annuity pitch and why to think twice 🧾 Health insurance after leaving a full-time job ⚠️ Why entrepreneurship in your 50s requires extra caution 🏰 Can you afford Disney before you retire? Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home Wedding bells are ringing, but are the money talks happening? In this episode, Mark offers essential financial advice for newlyweds and remarried couples alike. If it’s your first time tying the knot or a second (or third) go-round, there are big financial questions to sort out, and ignoring them can lead to trouble. As you’ll see, it’s better to talk now than fight later. Here’s what we discuss in today’s show: 💬 Why money talks should happen before marriage 💳 How financial history impacts your future 🔐 Why second marriages need extra estate planning 🎯 Joint or separate accounts? What works and why   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

You can have the perfect investment plan, but the wrong mindset can still derail your retirement. In this episode, Mark explores some of the most dangerous mental traps he’s seen people fall into during their financial journey, and how to avoid them. Tune in to discover what could quietly unravel even the strongest portfolios. Here’s what we discuss in today’s show: 😨 Fear-based choices that could derail your future 🚀 Overconfidence often leads to too much risk at the wrong time 🧠 How media negativity can cloud smart decision-making 💤 Does “set it and forget it” work?  🔍 Finding the right advisor   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

In the book The Five People You Meet in Heaven, a man arrives in heaven and encounters five different people who impacted his journey and gave meaning to his life. Today, Mark talks about the five people you should be meeting right before you retire. These are the people who can have a significant impact on your retirement and possibly even help give you a sense of purpose and direction as you enter into the next stage of life.   Here’s what we discuss in today’s show: 📚Why your financial advisor should be a planner, not just a salesperson 📜 How an estate planner helps protect your wishes 🛡️ The role of insurance in your long-term risk management 🏋️‍♂️ Why staying physically active is key to enjoying retirement 💬 How mentorship can bring meaning, structure, and fulfillment post-career   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832

It’s one of the most misunderstood numbers in personal finance, and yet it can shape everything from your mortgage rate to your insurance premiums. In this episode, Mark breaks down what your credit score actually measures, why it matters even if you're financially comfortable, and how small, consistent habits can make a big difference over time.   Here’s what we discuss in today’s show: 📉 One error that can drag your score down fast 💳 The 30% rule for smart credit card use 📊 How small habits affect your credit over time 🔐 Why closing that old credit card might backfire 🔎 Why it’s important to keep an eye on your credit score   Resources for this episode: Bankrate: https://www.bankrate.com   Want to get in touch with Mark?  Web: https://silverman-associates.com/home Email: [email protected] Phone: 520.512.8832