Explore every episode of the podcast How to Retire on Time
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Why Pensions and Annuities Look Similar, but Are Different | 03 Jan 2026 | 00:05:28 | |
“Hey Mike, what’s the difference between a pension and an annuity, and which is better?” Discover why the two should be considered different, even though they have many similarities. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why Your Portfolio Should Change When You Retire | 02 Jan 2026 | 00:12:29 | |
“Hey Mike, what’s the best way to invest my money once I’m actually retired - should I get more conservative?” Discover why your growth portfolio should be different than your retirement portfolio. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why You May Not Want to Roll Your 401(k) Over, Yet | 01 Jan 2026 | 00:08:41 | |
“Hey Mike, should I roll my 401(k) into an IRA when I retire, or leave it where it is?” Discover some of the benefits of keeping your money in your 401(k) when you retire, whether that’s for state tax purposes (403(b) specifically) or for the Rule of 55. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| The Problem With Many Social Security Optimization Strategies | 31 Dec 2025 | 00:12:20 | |
“Hey Mike, I’m confused about when to start Social Security - should I take it early at 62 or wait until 70?” Discover why you need more information before you can determine when you should file for your Social Security benefits. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Start With Income Needs, Not Account Balances | 30 Dec 2025 | 00:17:01 | |
“Hey Mike, how much should I really have saved before I can retire comfortably?” Discover why you need to understand your income needs in retirement before you can understand your retirement savings goals. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| The Counterintuitive Calculation with Lifetime Income | 26 Dec 2025 | 00:09:07 | |
"Hey Mike, I’m really conflicted whether or not I should buy an annuity for income. Can you provide some insight?” Discover the benefits and detriments of having guaranteed income for life as a part of your retirement plan. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| How to Retire on $500,000 | 25 Dec 2025 | 00:07:51 | |
Merry Christmas! Thank you to all who listen to our show! "Hey Mike, can I retire on $500,000?” Discover why some people may be able to retire on $500,000 and how the planning changes when you have $500,000 or less. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Hidden Tax Traps You Need to Know About | 24 Dec 2025 | 00:10:47 | |
"Hey Mike, I’m getting taxed when my retirement income should be tax free. Everything comes from Social Security and long-term capital gains. How can this be?” Discover hidden tax traps that may cause you to pay more each year. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why Your Annuities May Be Under Performing | 23 Dec 2025 | 00:14:32 | |
"Hey Mike, my index annuity didn’t grow this past year when the market was up. Should I just get rid of it?” Discover why your annuity may be under performing and what you can do about it. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| When Diversification Makes Sense, and When it Can Hurt | 22 Dec 2025 | 00:12:49 | |
"Hey Mike, is there such thing as too much diversification?” Discover what ‘diversification’ really means, the different ways it may make sense, and when it can hurt you. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Which is Better: Buffered ETFs or Bond Funds? | 20 Dec 2025 | 00:08:10 | |
"Hey Mike, when would I use a buffered ETF instead of a bond fund?” Discover how Buffered ETFs and Bond Funds could play a role in your retirement plan and/or portfolio. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| How to Handle Healthcare Insurance in This Ever-Changing Environment | 19 Dec 2025 | 00:03:52 | |
"Hey Mike, how does ACA subsidies going away affect retirement planning?” Discover how the Affordable Care Act is changing and how you can still plan around the changes based on your retirement needs. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| The Benefits and Detriments of Using AI to Plan Your Retirement | 18 Dec 2025 | 00:15:54 | |
"Hey Mike, can I use AI to build my retirement plan?” Discover how AI can help you plan for your retirement while acknowledging some of the risks and potentially oversimplified advice it may give. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Can You Retire With $700,000? | 17 Dec 2025 | 00:08:40 | |
"Hey Mike, can I retire with $700,000?” Discover if $700,000 is enough to be able to retire and how your risks change based on how much or how little you have saved for retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why You Don’t do Your Income Planning First | 16 Dec 2025 | 00:18:22 | |
"Hey Mike, when creating a plan, what do you focus on first?” Discover why lifestyle planning should come first, and each step that should follow thereafter. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Is Limiting Your Income Worth the Deduction? | 12 Dec 2025 | 00:03:11 | |
“Hey Mike, is it worth limiting your income to get the additional senior deduction?” Why some people may want to plan around the different potential deductions, and others should just ignore them. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| When Helping Your Kids Can Actually Hurt Them | 11 Dec 2025 | 00:13:31 | |
“Hey Mike, I want to help my kids now while I’m alive. Do you have any do’s and don’ts when it comes to financially helping your kids?” Discover why helping your kids who are making bad financial decisions may hurt them more overall. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Tips on How to Prepare to Sell Your Business | 10 Dec 2025 | 00:08:41 | |
“Hey Mike, I’ve got a business that I plan to sell in a few years. Any tips on how to prepare for the sale and retirement?” Discover where you may want to spend your time in order to prepare for a potentially better sale for your business. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why Tax Planning is More Than IRA to Roth Conversions | 09 Dec 2025 | 00:17:40 | |
“Hey Mike, can you explain what tax planning is? Everyone talks about it but then recommends IRA to Roth conversions.” Discover different ways you could implement tax planning in your retirement plan other than IRA to Roth Conversions. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What Has Worked May Not Continue to Work | 08 Dec 2025 | 00:13:47 | |
“Hey Mike, enjoyed the book, but am having a hard time changing my portfolio. What I’m doing seems to be working. Why should I switch now?” Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What Comes First When Planning Retirement | 05 Dec 2025 | 00:04:44 | |
"Hey Mike, retirement feels incredibly overwhelming. Where do you start?" Discover what comes before financial planning. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| When You May NOT Want to Manage Your Portfolio in Retirement | 04 Dec 2025 | 00:11:17 | |
"Hey Mike, how hard is it to learn how to manage a retirement plan on your own if you don’t have a financial background?" Discover when it may make sense and when it probably doesn’t make sense to manage your assets in retirement. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| How Buffered ETFs Are Different Than Fixed-Indexed Annuities | 03 Dec 2025 | 00:12:45 | |
"Hey Mike, how can some insurance companies offer a better version of a buffered ETF if they work in the same market?" Discover what makes them similar and what makes them different. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| When to Start Lifetime Income | 02 Dec 2025 | 00:09:05 | |
"Hey Mike, once you buy an annuity, is it better to take income when you retire, or wait so the income amount gets bigger?" Discover when it may make sense to start your lifetime income when you retire, and when it may make sense to delay it. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why You May Want the Market to Crash When you Retire | 01 Dec 2025 | 00:20:23 | |
"Hey Mike, is it true that the first five years of retirement are the most risky for your portfolio?" Discover three strategies that may make the next market crash an opportunity. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What Are the Giving Machines? With Tammy Reid | 24 Nov 2025 | 00:11:34 | |
An interview with Tammy Reid, wife of head coach Andy Reid, where she discusses her own family holiday traditions, the need for and joy that comes with giving, and her involvement with the Giving Machines in Kansas City. For more information about the giving machines, click this link: https://www.churchofjesuschrist.org/welcome/christmas/light-the-world/giving-machines?lang=eng Looking for volunteer opportunities? Check out JustServe: https://www.justserve.org/ | |||
| Charitable Giving Special Episode (With Tammy Reid) | 23 Nov 2025 | 00:56:00 | |
In this week's special episode, Mike talks to Tammy Reid, wife of head coach Andy Reid, about the joy of giving, and the Giving Machines located in Union Station in Kansas City (and elsewhere). Mike and David also discuss finding purpose in your encore years, and how giving of your time and talents can help you find purpose in retirement. Giving Machines: https://www.churchofjesuschrist.org/welcome/christmas/light-the-world/giving-machines?lang=eng Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Different Ways to Gift While Minimizing Your Taxes | 21 Nov 2025 | 00:03:49 | |
“Hey Mike, what are smart ways to donate to charities?” Discover different ways to lower your tax bills while getting more of your money to a church or charity. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why You May Want to Diversify by Strategy, not Just by Positions | 20 Nov 2025 | 00:08:06 | |
“Hey Mike, what’s your favorite strategy or method for managing a portfolio?” Discover the difference between active and passive management, while acknowledging the difference between trading stocks and funds. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Breaking Down Senior Healthcare Options | 19 Nov 2025 | 00:08:11 | |
“Hey Mike, which is better, Original Medicare, Supplement (Medigap) Plans, or Advantage Plans?” Discover why there’s no perfect solution for senior healthcare plans and how to research which is right for you. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| The Problem with Average Annual Returns | 18 Nov 2025 | 00:10:58 | |
“Hey Mike, what’s a common misconception you run into with DIY investors?” Discover why buying and holding ETFs may not be as good of a strategy as you may believe. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| An Introduction to Kedrec Wealth’s Bear-Market Protocol | 17 Nov 2025 | 00:23:52 | |
“Hey Mike, can you explain in more detail your "Bear Market Protocol?’”
Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Is the Fed Cutting Rates a Good Thing? | 14 Nov 2025 | 00:04:41 | |
"Hey Mike, what should we know about the Fed cutting rates?" Discover some of the cautionary flags you may want to consider as the Federal Reserve signals more rate cuts. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| How to Balance Purpose-Driven Work and When you Should Retire | 13 Nov 2025 | 00:08:27 | |
"Hey Mike, I want to keep working but it’s getting in the way of my IRA to Roth Conversions. What can I do?" Discover why your purpose and work may be more important than paying slightly less in taxes. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Different Markets to Consider When Putting Your Portfolio Together | 12 Nov 2025 | 00:15:50 | |
"Hey Mike, the stock market seems overvalued. Do you think the real estate market is also overvalued?" Discover the different markets you can invest in, and how some are influenced by others. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Which Comes First: Social Security Optimization or Tax Minimization? | 11 Nov 2025 | 00:13:39 | |
"Hey Mike, which should be done first, social security optimization or tax minimization planning?" Discover why tax planning should be done before you optimize your social security benefits. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why a Looming Potential Crash Should not Prevent You From Considering the Stock Market as a Part of Your Portfolio | 10 Nov 2025 | 00:15:27 | |
"Hey Mike, I know I should be in the stock market, but I can’t get myself to go in since I think it’s going to crash. Is this normal? What else is there? Discover how to diversify your assets by strategy and timeframe so you can appropriate expectations. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Be Cautious of Alleged Tax Loopholes | 07 Nov 2025 | 00:08:00 | |
“Hey Mike, I’ve got many friends who have family businesses for retirement so they can write off their family travel and fun expenses. Does that really work?” Discover why the fake businesses and other alleged tax loopholes don’t typically pass an audit. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why Plans Could Change if You Saved More for Retirement | 06 Nov 2025 | 00:09:20 | |
“Hey Mike, how does a retirement plan change if you have $250k saved vs $2.5 million.” Discover why those who have less, even if they can afford to retire, may have more risk to consider. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why Your 401(k) Growth Strategy May Not Work as Well in Retirement | 05 Nov 2025 | 00:10:21 | |
“Hey Mike, I’ve managed my 401(k) my entire life; I just buy and hold index funds. Is retirement any different?” Discover some of the risks associated with the idea that you can buy and hold your entire portfolio. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Why the Tax Qualification of Your Dividends Matter | 04 Nov 2025 | 00:13:00 | |
“Hey Mike, I want to use dividends as my primary source of retirement income. How would you put a dividend portfolio together?” Discover the different ways your dividends are being taxed, and what you can do to potentially make it more efficient. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Year-End Planning Strategies Many Miss | 03 Nov 2025 | 00:14:09 | |
“Hey Mike, aside from IRA to Roth conversions, what else should I do in my year-end planning?” Discover many of the other year-end strategies that may be able to help you get more out of your money. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What to Know About Roth IRAs | 31 Oct 2025 | 00:04:43 | |
"Hey Mike, can you clarify what happens when funds go into a Roth IRA?" Discover the rules behind Roth IRAs, contributions to Roth IRAs and IRA to Roth conversions, so you can be more deliberate in your tax planning. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Ways to Create a Retirement Plan with Liquid Investments | 30 Oct 2025 | 00:08:01 | |
"Hey Mike, can you create a retirement plan only using liquid investments?" Discover the hidden potential opportunity cost when you maintain liquidity on all of your assets. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Ways to Approach a Tax Efficient Real Estate Exit | 29 Oct 2025 | 00:07:10 | |
"Hey Mike, how do you map out which rental homes to sell and which to push out?" Discover ways to map out your tax efficient real estate exit so you can retire from being a landlord. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What are the Potential Risks in Today's Market? | 28 Oct 2025 | 00:22:29 | |
"Hey Mike, what risks concern you based on current market conditions?" Discover various risks Mike believes retirees face in the near future. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| All of my Money is in a Savings Account. How do I Fund my Retirement? | 27 Oct 2025 | 00:20:16 | |
"Hey Mike, I have $1,000,000 in my savings account from the sale of my business and nothing in 401(k). How does this change my retirement planning?" Discover how your retirement plan change based on where you saved your money and how extensive your tax planning is. Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Ways to Help Your Kids and Grandkids Outside the 529 Plan | 24 Oct 2025 | 00:04:40 | |
"Hey Mike, are there other ways outside the 529 plan to help my grandkids get ahead in life?" Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| What to Know About Lifetime Income From an Annuity | 23 Oct 2025 | 00:10:02 | |
"Hey Mike, when someone pushes an annuity for lifetime income, the comparison is always in favor of the annuity. What are they not sharing?" Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||
| Is the 4% Rule Still Valid? | 22 Oct 2025 | 00:13:25 | |
"Hey Mike, there are many strategies out there suggesting income around 8% to 9%. Why are advisors still talking about out the 4% rule?" Text your questions to 913-363-1234. Request Your Wealth Analysis by going to www.retireontime.com | |||