Advertise on podcast: How to Retire on Time

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★★★★☆

4.3

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12 reviews

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Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you've heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we'll feature them on the show. Don't forget to grab a copy of the book, How to Retire on Time, or check out our resources by going to www.retireontime.com.

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Check latest episodes from How to Retire on Time podcast

Why Healthcare Costs Keep Rising

2026/10/26

When healthcare premiums keep climbing, Michael Decker, NSSA® explains why he treats healthcare as a cost to plan for, not an investment, and why a cost-of-living adjustment belongs in the plan. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Is Long-Term Care Insurance Worth It?

2026/10/23

When long-term care insurance is sold on fear, Michael Decker, NSSA® explains how a break-even view and peace of mind can each be a fair reason to decide. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

How Do Survivor Benefits Work?

2026/10/22

When a spouse passes, Michael Decker, NSSA® explains how a survivor benefit and a person’s own retirement benefit can be treated as two separate choices. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Can You Plan for the Widow Tax?

2026/10/22

When one spouse passes and the household becomes a single filer, Michael Decker, NSSA® explains how a plan can account for it years ahead. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Is Two Years of Reserves Enough?

2026/10/21

When a portfolio is all in stocks with two years of income set aside, Michael Decker, NSSA® explains how a timeline view of fixed, index, and variable money can reshape the question. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

When Tax Law Is Written in Pencil

2026/10/20

When tax brackets can change with new legislation, Michael Decker, NSSA® explains why he benchmarks the effective tax rate instead of chasing the lowest bill. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

What Does Social Security Insolvency Mean?

2026/10/19

When headlines say Social Security is insolvent, Michael Decker, NSSA® explains what the word means, which fixes have been floated, and where filing decisions fit. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

When Your CDs Mature and Inflation Lingers

2026/10/16

When your CDs mature and inflation is still a concern, Michael Decker, NSSA® explains how your timeline can shape the choice between fixed and indexed options. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Where Does Social Security Belong in Your Plan?

2026/10/14

When maximizing Social Security and maximizing quality of life are not the same goal, Michael Decker, NSSA® explains where filing fits in a plan. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

When Inflation Risk and Market Risk Collide

2026/10/13

When lowering market risk can raise inflation risk, Michael Decker, NSSA® explains where reserves fit, including for a viewer around age 50. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

When Maxing Out a Bracket Misses the Point

2026/10/12

When moving income at a higher bracket looks like the better deal, Michael Decker, NSSA® explains how the effective tax rate can tell a different story. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

How to Actually Balance Risk and Protection in Retirement

2026/10/09

Michael Decker, NSSA® answers a viewer question on balancing risk and protection using a food-storage analogy, splitting a portfolio into smaller pieces that each have their own job instead of one blended mix. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Why Just Buying the S&P 500 Does Not Solve Retirement Math

2026/10/08

Michael Decker, NSSA® responds to a viewer who says the math only works with stocks and the S&P 500, and the risk that gets left out when withdrawals start during a down market. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

What to Do With Your Money Five Years Before Retirement

2026/10/07

Michael Decker, NSSA® answers a viewer question on repositioning savings five years from retirement, and why shopping around matters here as much as anywhere else. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

A Way to Decide Whether You Actually Need an Annuity

2026/10/07

Michael Decker, NSSA® walks through how to decide if an annuity fits your plan before shopping for one, then answers a follow-up question on timing IRA to Roth conversions for an inherited account. The following is from Mike’s weekly webinar. Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

Podcast reviews

Read How to Retire on Time podcast reviews

4.3 out of 5

12 reviews

★★★★★

GR8Whitebuffalo 2026/09/17

Episodes don’t match the title

The titles don’t match the topics lately

★☆☆☆☆

Mr Natty Boh 2026/03/07

Stay out of politics

Mayor Mandan is not a socialist as you have said. He is a Democratic Socialist who proposes the Nordic Model. you got a bunch of very successful. Scan...

★★★★★

PDC2025 2026/01/04

DIY soon to be retired

This quickly became one of my favorite podcasts. The content is so useful and explained in easy to understand manner.

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