How to Retire on Time
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.
Why "I'm Comfortable With Risk" Is the Wrong Answer
Every retiree says the same four words about risk tolerance, and Mike Decker says all four of them miss the point.
The following is from Mikeās weekly webinar.
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This is for educational purposes only and is not financial advice.Ā
Planning For When One Spouse Passes First
There's a retirement conversation almost no one wants to have. Skipping it is exactly how a surviving spouse ends up blindsided by taxes and decisions they were never part of.
The following is from Mikeās weekly webinar.
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Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
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This is for educational purposes only and is not financial advice.Ā
Why There's No Flowchart For Your Annuity Taxes
There's a version of the answer that would let you pay the least possible tax on your retirement money.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
We Asked AI About Long-Term Care Insurance
Live on the show, we asked an AI chatbot whether you should buy long-term care insurance. Its answer says a lot about why this decision trips up almost everyone.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Retirement-Income Ad That's Actually Two Red Flags
There's a specific kind of retirement-income ad that sounds like a great deal, and once you see why it isn't, you'll spot it everywhere.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Biggest Retirement Mistake Isn't About Money
The single biggest factor in whether a retirement plan actually holds up has almost nothing to do with the portfolio inside it.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
Is There Really A Safe Retirement Withdrawal Rate?
The withdrawal number most retirees have memorized might be based on market conditions that no longer exist.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Long-Term Care Decision Most People Get Wrong
There are at least four different ways to plan for long-term care costs, and the one most people assume is the "safe choice" usually isn't the best fit.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The One Thing Nobody Tells You About Annuities
An income annuity isn't actually an investment at all, and once you see what it really is, the whole "annuities are good or bad" debate stops making sense.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Retirement Planning Order Almost Nobody Actually Follows
Most retirement plans start with picking a product. This breaks down why that's backwards, and walks through the order that's supposed to come first, illustrated with a real client's numbers.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
How to Tell If Your Financial Advisor Is Actually Planning or Just Managing Your Money
There's a simple test that separates a real financial planner from someone just collecting a fee to watch your portfolio. Mike lays it out, plus the one line that sums up his entire philosophy on retirement risk.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
RMDs, Inherited IRAs, and Roth Conversions: The Questions Nobody Explains Clearly
From annuity RMDs to inherited IRA deadlines to which spouse should convert first, Mike untangles three of the most confusing tax questions retirees ask him every week.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Nobel Prize Winner Who Didn't Follow His Own Portfolio Strategy
The economist who won a Nobel Prize for inventing the 60/40 portfolio didn't actually put his own retirement money into it ā here's what he did instead.
The following is from Mikeās weekly webinar.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book, access to tools, and moreš https://RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The One Tax Number That Should Decide If You Convert to a Roth
The following is a clip from Mikeās weekly live show on Zoom. Ā
Forget the debate over whether Roth conversions are good or bad ā Mike says there's really only one number that should make the call for you.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
Every Way to Lower Your Portfolio Risk Without Buying a Single Bond Fund
The following is a clip from Mikeās weekly live show on Zoom. Ā
Mike walks through the entire lineup of tools retirees can use to dodge market risk that has nothing to do with bonds, most of which most advisors never mention.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Order You Pull Money From Your Accounts Could Cost You Six Figures
The following is a clip from Mikeās weekly live show on Zoom. Ā
A real listener's question about which account to withdraw from first turns into a masterclass on saving tens of thousands in taxes and healthcare premiums most retirees never claim.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
Is the AI Bubble About to Pop? Here's How Retirees Should Actually Think About It
The following a clip from Mike's weekly live show on Zoom.Ā
Mike breaks down the exact mechanics that could pop the AI bubble, then flips the whole conversation with one line: risk isn't a feeling, it's a math problem about time.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
The Bread Line Conversation That Reveals Why Confident People Are Usually Wrong
The following a clip from Mike's weekly live show on Zoom.Ā
Mike overhears two very different retirees in a bakery line, and the contrast reveals why the most confident-sounding advice in the market right now might be the most dangerous.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.Ā
Mike Pushes Back on His Own Listener Over Annuity Riders
The following is a clip from Mike's weekly show.Ā
A listener defends his annuity rider, and Mike publicly disagrees with him on air instead of just nodding along.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.Ā
How One Retiree Turned a Market Crash Into a Tax Win
The following is a clip from Mike's weekly show.Ā
Mike walks through a real dollar-amount scenario showing how a market crash can actually hand you a tax advantage most retirees never use.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.Ā
Mike Admits Too Much Guaranteed Income Can Actually Hurt You
The following is a clip from Mike's weekly show.Ā
The guy who sells annuities just told his own audience not to buy too much guaranteed income, and the reason why flips the usual retirement advice on its head.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.Ā
The Free Steak Dinner Invite Is Secretly a Sales Pitch
The following is a clip from Mike's weekly show.Ā
One word retirees use to describe their money is quietly costing them thousands.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.
The Retirement Word Mike Says Everyone Gets Wrong (And Why It's Costing You)
The following is a clip from Mike's weekly show.Ā
One word retirees use to describe their money is quietly costing them thousands.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.
Three Reserve Strategies That Keep You From Selling at the Worst Possible Moment
The real question isn't how much cash you need, it's which of the three reserve strategies fits your retirement so a market crash never forces your hand.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.Ā
What Happens to Your Spouse's Taxes, Social Security, and Healthcare the Day You Die
When one spouse passes, the surviving spouse doesn't just lose income, they get bumped into a higher tax bracket, lose one Social Security check, and watch their Medicare costs climb.
Ready to build a retirement plan around your life, not a product? Ā
Full episodes on all podcast platforms. Search Retire On Time. Ā
This is for educational purposes only and is not financial advice.Ā
The Dividend Strategy That Looks Safe Until It Isn't
Living off dividends sounds like the perfect retirement plan until Mike shows you exactly where the leak is.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.Ā
The Asset Class Everyone Abandoned Might Be the Smartest Thing in Your Retirement Right Now
Your checking account, your brokerage, and your 401k are three completely different jobs, and treating them the same way is one of the most expensive mistakes in retirement.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.
What Michael Burry Sees Coming That Most Retirement Plans Aren't Built For
The CAPE ratio is sitting where it sat right before the 2000 crash, and if history repeats, a 50% drop means you need 100% back just to break even.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
This is for educational purposes only and is not financial advice.
The 4 Things Retirement Steals From You (And How to Get Them Back)
Your retirement plan has a number, but it doesn't have an answer for the four things you'll lose the day you stop working.
Ready to build a retirement plan around your life, not a product? Ā
Get the free book and tools š RetireOnTime.com/FreeĀ
Ā
This is for educational purposes only and is not financial advice.
Your Retirement Plan Is Built for Markets That Go Up. Here's What Happens When They Don't.
Mike breaks down the bear market protocol live, the three-move strategy that turns a market crash into an opportunity, and explains why most retirees don't have one.
Most retirement plans are built around products, not your life.Ā
Ours isn't.Ā
š Free book + audiobook + retirement calculator + weekly live Q&AĀ
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This is for educational purposes only and is not financial advice.
The Subtle Things Slowly Draining Your Retirement Plan (And How to Stop Them)
Most retirement plans aren't derailed by market crashes. They're quietly drained by five small inefficiencies most advisors never mention.
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.com
When Tax Planning Matters
āHey Mike, when does tax planning really make a noticeable difference in a retirement plan?āĀ
Discover how tax planning decisions can impact your income strategy and the long-term efficiency of your plan.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ
Can You Retire With $250,000?
āHey Mike, can you retire with $250,000?ā Ā
Discover how structuring your income, taxes, and portfolio the right way may matter more than the total amount youāve saved.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.com
At 55, How Much Should I Have Saved?
āHey Mike, how much should I have saved at 55 years old?āĀ
Discover why focusing on a number can be misleading and how your retirement plan should be built around your income goals and lifestyle instead.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
Why Warren Buffet Isnāt 100% in Stocks
Hey, Mike. If you canāt beat the market, then why doesnāt Warren Buffet just invest in the market.Ā
Discover why investing with purpose and managing downside risk can be more important than trying to match the market every year.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
Can AI Build My Retirement Plan?
Ā Mike builds a retirement plan using Claude and ChatGPT.
Discover why building reliable retirement income takes more than data and how proper planning makes the difference.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
How to Plan for Future Unknown Tax Brackets
āHey Mike. How can you do tax planning when the rules keep changing?ā
Discover how to balance future uncertainty with todayās tax rules.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
The Difference Between Mutual Funds and ETFs in Your 401(k)
āHey Mike. I have a rollover IRA account that was set up 15 years ago that has all mutual funds. Is it worth it to switch everything over to ETFs?ā
Discover which path may be best for you.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
Mistakes People Make When Selling at a Loss
āHey Mike. How do you know if you should sell something at a loss and move on or if you should hold on and wait?āĀ
Discover the guiding principles when trying to decide if you should hold a and investment or sell it and move on.Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
World War III: Should I Hold My Stocks?
āHey Mike, Warren Buffett said he would hold stocks even if it were World War three, would you?ā Ā
Discover how to think about stocks during uncertain times and why having the right strategy matters.
Ā
Text your questions to 913-363-1234.Ā
Ā
Request Your Wealth Analysis by going to www.retireontime.comĀ Ā
