Advertise on podcast: Retirement Planning - Money Not Math

What if the “boring” part of the market is quietly doing the heavy lifting? If you’ve followed financial headlines lately, you might think only a handful of tech-companies matter. But something very different has been happening behind the scenes. The Dow recently touched 52,000 for the first time ever. That move has been driven by steady, everyday companies. Not hype. Not speculation. Just consistent earnings and growth. And that matters more than most people think. When gains are spread across many sectors instead of concentrated in a few names, it can be a sign of a healthier market environment over time. That’s a good reminder heading into the second half of the year. Now here’s a mid-year question worth asking yourself: Is your “extra” cash actually working for you? Many families keep a large amount of cash sitting in traditional bank accounts out of convenience. The reality is those accounts often pay close to nothing in interest. Meanwhile, inflation continues to quietly reduce purchasing power. This is not about taking risks or changing your lifestyle reserves. It is simply about being intentional with dollars that may be sitting idle outside of a plan. And one more thought as summer moves quickly along… When was the last time you looked at your bucket list? Not just thinking about it. Actually reviewing it. Retirement is not one long phase. It evolves over time. The energy you have at 65 is different than the energy you will have later. That means some experiences should not be pushed off indefinitely. The most valuable resource is not money. It is time and health. If you are within a few years of retirement or already there, this is a great time to pause and reflect: • Is your plan built for more than just market headlines? • Is your cash positioned with intention? • Are you actually prioritizing the experiences that matter most? Sometimes small adjustments can make a meaningful difference. If you’d like a second set of eyes on your current strategy or just want to talk through where you stand, feel free to reach out. Disclosures: This content is for informational purposes only and should not be construed as personalized investment, tax, or legal advice. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your individual situation. #RetirementPlanning #PreRetirement #FinancialConfidence #WealthPlanning #RetirementLifestyle #SmartMoneyMoves #FinancialClarity #InvestWithPurpose #CashFlowPlanning #NearRetirement

Can a couple retire at 55 with $2 million? In this episode of Money Not Math, we explore a hypothetical retirement scenario inspired by a common real-life question couples face when they do not agree on whether they are ready to retire. With $1.5M in a 401k and $500K in a Roth IRA, we analyze: • Income potential with no advanced planning • How strategy can increase after-tax income • The impact of allocation, taxes, Social Security, and spending patterns This episode highlights how thoughtful planning can influence both confidence and outcomes in retirement. Disclosure: This episode is for educational purposes only. The example discussed is hypothetical and does not represent any individual. It is not investment, tax, or legal advice. #retirementplanning #financialpodcast #moneynotmath

In this episode of 5 Minute Friday, we cover three timely topics: • Why markets continue to shift based on changing expectations • A simple way to evaluate changes in your cost of living mid-year • How retirement is evolving into a more purposeful and structured phase This episode is designed for individuals approaching retirement or already retired who want a clear, long-term perspective. Follow for weekly conversations focused on clarity, simplicity, and confidence. #RetirementPodcast #FinancialPlanning #PreRetirement #WealthStrategy #FinancialClarity #5MinuteFriday This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Please consult a qualified professional for guidance specific to your situation.

What if the difference between a good retirement and a great retirement was not how much you saved, but how you structured your income? In this episode of Money Not Math, I walk through a real-life inspired case study using hypothetical names to protect privacy featuring Mr. and Mrs. Back 9 Blueprint. We cover how a couple with strong savings improved their retirement outcome from: • $6,150 to $7,450 per month after tax income • $870,000 to over $1.4 million projected portfolio value This was not about market timing or chasing returns. It was about coordinating key areas like: • Asset allocation • Social Security timing • Tax strategy • Retirement income planning • Glide path and income reserve strategy If you are approaching retirement, this episode will help you think differently about how your income plan should be structured. This is a hypothetical example for educational purposes only. It does not represent actual client results or specific recommendations. Individual outcomes will vary. #RetirementPodcast #RetirementPlanning #FinancialPlanning #IncomePlanning #MoneyNotMath

In this episode of 5 Minute Friday, we cover three timely topics: • Why markets can feel uncertain even when underlying conditions are relatively stable • A simple mid-year approach to reducing financial complexity • How to rethink productivity and purpose in retirement This episode is designed for individuals approaching retirement or already retired who want a more structured, long-term perspective. Follow the show for weekly conversations focused on clarity, simplicity, and confidence. #RetirementPodcast #FinancialPlanning #PreRetirement #WealthStrategy #FinancialClarity #5MinuteFriday This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Please consult a qualified professional for guidance specific to your situation.

Markets are shifting in ways many investors do not fully recognize. In this episode, we break down recent research on diversification and explain what it means for protecting your portfolio as you approach retirement. You will learn: • Why diversification still works but is evolving • What risks investors often overlook • How to think about portfolio structure in today’s environment This episode is for educational purposes only and is not personalized financial advice. Each financial situation is unique. #MoneyNotMath #RetirementPlanning #Investing

In this episode of 5 Minute Friday, we cover three timely topics: • A practical way to think about the new Federal Reserve Chairman • Why a mid-year financial check-in may help keep your plan aligned • How “Citizen Science” is helping retirees stay sharp and purposeful This episode is designed for individuals approaching retirement or navigating their retirement years who want a steady, long-term perspective. Follow the show for weekly conversations focused on clarity, structure, and confidence. #RetirementPodcast #FinancialPlanning #PreRetirement #WealthStrategy #LifeAfterRetirement #5MinuteFriday This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Please consult a qualified professional for guidance specific to your situation.

Many investors assume retirement success comes down to saving enough and hoping the market cooperates. In this episode, we explain why asset allocation and glide path strategy often play a much larger role, both while you are working and throughout retirement. Using hypothetical planning illustrations, we cover: • Why target date funds and automatic equity reduction may be inefficient • How glide path decisions impact long term outcomes • The difference intentional planning can make when coordinating investments, Social Security timing, tax strategy, and retirement spending This episode focuses on education and planning concepts, not predictions, and highlights how strategy alignment influences retirement confidence. 🎧 Listen now 🌐 Learn more at https://www.5stonefinancial.com Educational discussion only. Hypothetical illustrations.

In this episode of 5 Minute Friday, we discuss why interest rate changes are historically normal, how inflation should already be built into a retirement income plan, and why separating income from market volatility can create peace of mind. We also explore how summer gatherings can become meaningful opportunities to talk about values, legacy, and family intent. This episode is designed for people within a few years of retirement who want clarity, not noise. This podcast is for educational purposes only and does not constitute personalized financial advice. #RetirementPodcast #RetirementPlanning #FinancialEducation #PreRetirement #5MinuteFriday

If you have ever looked at your retirement savings and thought, “I should be further along by now,” this episode is for you. In Episode 185 of Money Not Math, we explore The Gap and The Gain, a mindset framework from Dan Sullivan and Dr. Benjamin Hardy, and how it applies to retirement planning. We discuss: • Why retirement can feel stressful even with solid savings • How measuring progress forward can create pressure • How looking backward can restore clarity and confidence This episode is designed to help listeners think differently, not make decisions. This podcast is for educational purposes only and does not provide investment, tax, or legal advice. #MoneyNotMath #RetirementPlanning #FinancialMindset #TheGapAndTheGain #5StoneFinancial

Should you be doing something right now with the market at all-time highs and inflation still elevated? In this week’s 5 Minute Friday, we cover: • Why inflation remains persistent and how it affects long-term planning • The reality behind market averages and investor behavior • Why many long-term investors benefit from staying disciplined • A growing travel trend that reflects a different way to think about retirement If you have been wondering whether to make changes or stay the course, this video provides helpful perspective. Recorded May 15, 2026 If you find this helpful: Follow for weekly insights Comment with questions or topics you would like covered Reach out if you would like to discuss your personal plan Disclaimer: This content is for informational and educational purposes only and should not be construed as personalized investment, tax, or legal advice. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Please consult a qualified financial professional before making any investment decisions. #FinancialPlanning #RetirementPlanning#InvestingBasics #LongTermInvesting #WealthManagement #MarketInsights#StayInvested #InvestorBehavior #Inflation #Back9Life #PersonalFinance#FinancialAdvisor

“I hope to retire early.” That’s how this episode starts and that one word says more than most people realize. In this episode of Money Not Math, we walk through a real world planning scenario we see often. Mid 50s House paid off College covered $3.5 million saved 80 percent traditional retirement accounts, 20 percent Roth Inherited IRA already creating required withdrawals On paper, everything looks right. But the real questions are not about returns or math. Which accounts should be used first? How do required withdrawals affect taxes? Do Roth conversions help or hurt? How does retiring before Medicare change the plan? This episode visually shows how a couple in this position could realistically retire at age 56 by coordinating their money instead of guessing. Because retirement confidence does not come from having more money. It comes from seeing how your money works together. Watch Money Not Math Episode 184. Educational content only. Not individualized financial advice. #MoneyNotMath #RetirementPlanning #RetireEarly #FinancialPlanning #TaxPlanning #RothIRA #RetirementIncome #5StoneFinancial

The Minnesota Wild vs Dallas Stars playoff series is a reminder that winning is rarely about one big moment. The best teams plan for a long series, adjust when things change, and protect against mistakes. Retirement works the same way. In the latest episode of Money Not Math, we use playoff hockey as a simple way to think about retirement planning. Not through complicated formulas, but through real life perspective that makes sense. In this episode, we talk about: • Why retirement is a long term series, not a single event • The risks of relying on one strategy or one account • How flexibility matters as markets, taxes, and life change If you are within a few years of retirement or already retired and want more clarity around your plan, this episode is worth watching. ⚠️ This video is for educational and informational purposes only and is not intended as individualized financial or investment advice. Investing involves risk, including possible loss of principal. #MoneyNotMath #RetirementPlanning #MinnesotaWild #EmptyNesters #FinancialEducation #RetirementConfidence #5StoneFinancialGroup #RetireConfidently

Money stress is not always about income, markets, or account balances. In fact, many people who are doing objectively well still feel anxious about money. In Money Not Math Episode 182, I talk about why financial stress usually comes from: • Unanswered questions • Too many open decisions • Competing priorities • Lack of clarity, not lack of money This episode is about confidence, simplicity, and understanding what actually reduces financial pressure over time. Disclosure: This content is for educational and informational purposes only and should not be considered personalized financial, investment, tax, or legal advice. Individual situations vary and decisions should be made based on your own circumstances, ideally with guidance from a qualified professional. #MoneyNotMath #FinancialClarity #FinancialConfidence #RetirementPlanning #WealthWithPurpose #LifeAfterWork #5StoneFinancial #FiduciaryMindset #BusyProfessionals #BusinessOwners

Money Not Math Episode 181 A YouTube commenter asked me what happens when the Social Security Trust Fund runs out and requested I revisit a prior retirement income example to show what retirement could look like if Social Security benefits were reduced by 25%. So in Money Not Math Episode 181, I do exactly that. Using the same hypothetical couple from Money Not Math Episode 162, with $500,000 in an IRA plus Social Security, I walk through a retirement stress test and show how a reduction in benefits can impact retirement income and overall retirement success. In this episode, I touch on how: • Asset allocation decisions • Social Security benefit and timing considerations • Retirement tax planning • Retirement income spending strategies can all impact retirement income and overall retirement success. I do not try to predict the future of Social Security. Instead, this episode is about education and planning, illustrating how different planning variables work together when assumptions change. ⚠️ This is a hypothetical example only, not legal, tax, or investment advice, and it does not include long term care planning. If you would like to ask a question, publicly or privately, or want to explore planning options for your own situation, feel free to message me or call 218 686 3170. And as always, please: ✅ Subscribe ✅ Share with a friend ✅ Comment with a question or thought Disclaimer: This content is not legal, tax, or investment advice. Always consult a qualified professional regarding your personal situation. #RetirementPlanning #SocialSecurityPlanning #RetirementIncome #PreRetirement #FinancialEducation #MoneyNotMath #RetirementSuccess #5StoneFinancialGroup #RetireConfidently