Retirement Starts Today

Hosted by Benjamin Brandt CFP®, RICP®

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Episodes

424

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Oct 2026

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About the show

Do you want to spend more money & pay less taxes on your way to an even better retirement? Great news, you're in the right place! I'll also teach you the benefits of retiring TO something, while most retirees only solve half the equation by retiring FROM something. Tune in every Monday morning - hosted by Benjamin Brandt CFP®, RICP®. Join my "This Week in Retirement" newsletter for the best retirement content of the week, sourced by me: https://pages.thisweekinretirement.com/newsletter

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60 recent

November 2, 2026Episode 47716 min

The New 2% Mortgage

What's the next financial flex? What will people be talking about 10 years from now? It's the $0 income year - and the flex sounds like this: "Can you believe I converted $100,000 to my Roth for a 7% effective tax rate?" Or, "I was able to sell $150,000 worth of stock and pay little to no capital gains tax." That's the new 2% mortgage for Gen X or Gen Jones. And just like the 2% mortgage, I think a lot of people won't realize how good it was until it's gone. Listen in on what a $0 income year looks like. Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

October 26, 2026Episode 47618 min

What If This Turns Out to Be a Terrible Time to Retire?

4 tactics for retiring during a bear market is the main topic of today. Christine Benz at Morningstar wrote about a survey on retirement confidence - and gives us a list of ways to tackle the situation. We also have a listener who is using Benz's bucket strategy - and wonders when to refill the cash bucket? And in Retire To Something, we'll meet Jeff who works every Braves home game helping fans who need a wheelchair get from the gates to their seats, and catches plenty of baseball along the way. Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

October 19, 2026Episode 47516 min

Why You're Wasting Time Worrying About Safe Withdrawal Rates

If you're simply asking the question about what correct withdrawal rate for your retirement is - you're likely not the type of person who is going to run out of money. That's the message shared by Jordan Grumet of The Purpose Code. He says "The simple act of asking, "Should I spend 3.2%, 4%, or 5%?" reveals something telling: You've done the work. You've built the nest egg. You understand the mechanics. You're in the game." More about his article and the data behind it is shared in today's episode. We also answer a listener question about how to spend at their calculated rate without worrying, and wrap it up with a great "Retire To Something" segment. Resource: Article by Jordan Grummet at The Purpose Code: Why You're Wasting Time Worrying About Safe Withdrawal Rates Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

October 12, 2026Episode 47418 min

Four Big IRA Mistakes That You Can't Undo

Good news! A lot of IRA mistakes can be fixed - according to a Wall Street Journal article, which we cover in our headline segment. In our Listener Question segment, Tom is leaving his corporate job next year - when he turns 55 - and wants to use the Rule of 55 to take money out of his 401(k) without the 10% penalty. And we wrap it up with motivation in our "Retire To Something" segment. Resource: Article by Leonard Sloane at the Wall Street Journal: Four Big IRA Mistakes That You Can't Undo Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

October 5, 2026Episode 4731 hr 2 min

Are Super Savers Failing in Retirement? with Andy Panko [Rebroadcast]

A special recording from Andy Panko for his Retirement Planning Education Podcast: We discuss how the financial industry is evolving, the common struggles of "super savers" in retirement, and the importance of aligning financial decisions with life goals, not just spreadsheets. We talk about the role of Monte Carlo simulations, the importance of flexibility in financial plans, and the evolving role of advisors in a changing world. It's a conversation that encourages you to find joy and flexibility in your retirement journey. Resource: Andy's podcast: Retirement Planning Education

September 28, 2026Episode 47227 min

How to Get the Most from Your Employee Benefits [Rebroadcast]

Employee benefits are one of the most overlooked aspects of financial planning. We often check a few boxes during open enrollment and move on—but are we truly maximizing what's available to us? This week, we sit down with Joe Saul-Sehy, host of Stacking Benjamins, to uncover the hidden value in workplace benefits. From disability insurance pitfalls to term vs. whole life insurance, Joe walks us through key strategies to ensure we're not leaving money (or protection) on the table. Joe also introduces a powerful HR benefits guide, a resource designed to help us navigate workplace perks with confidence. Whether it's understanding own-occupation disability insurance, avoiding junk policies, or knowing when to self-insure, this conversation is packed with actionable advice. If you've ever wondered whether you're making the most of your benefits—or if you're just blindly accepting what's offered—this episode is for you. Resources & People Mentioned Benefits Guide : https://www.stackingbenjamins.com/benefits Website: Stacking Benjamins Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

September 21, 2026Episode 47117 min

Using IRAs To Reduce Estimated Tax Penalties

Did you receive a windfall late in the year and then get penalized for not paying estimated taxes on it earlier? It doesn't seem fair, but the IRS might levy a penalty for that. There is a way to fix it - and similarly for RMDs you might take out in December too. That's the main focus on today's Retirement Headline - and it fits in nicely with our Listener Question as well. Resources: Article by Jeff Levine on the Nerd's Eye View Blog: Using Retirement Accounts To Reduce Estimated Tax Penalties Via Tax Withholding From (Required Minimum) Distributions IRS form 2210: Underpayment of Estimated Tax by Individuals, Estates, and Trusts Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

September 14, 2026Episode 47024 min

6 Cases When a Roth IRA Conversion Isn't a Smart Move

A Barron's piece from Jonathan Shenkman shares 6 reasons to think twice before you convert a Roth IRA. I agree with some of them - but strongly disagree with others because they apply to Super Savers - listeners of this show - differently. We will go through all six with my additions for a Super Saver like you. Then we answer a listener question from a 62 year old who is about to retire and wants to bridge the gap until he begins pulling in Social Security at age 70. And you know we have a great Retire To Something segment to wrap up the show. Enjoy! Resource: Barron's article by Jonathan I. Shenkman: " 6 Cases When a Roth IRA Conversion Isn't a Smart Move " Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

September 7, 2026Episode 46920 min

Why I Object to 'Hitting a Number' for Retirement

Christine Benz got a text from a friend the other day. A mutual friend from college was retiring because he'd "hit his number in the stock market". Most people would read that and think, good for him. Benz says all her alarm bells went off. Not out of envy. In her experience, "I hit my number" is usually a sign that the plan behind it isn't much of a plan. Today we discuss two different ways Christine says people gets this wrong. We also tackle a listener question asking if $1,000,000 is enough and wrap things up with a Retire To Something story. Resource: Article by Christine Benz in Morningstar: " Why I Object to 'Hitting a Number' for Retirement " Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart

August 31, 2026Episode 46814 min

The 'Open Sandwich' Generation

The term "Sandwich Generation" has been around since the 80s. You're the one in the middle - with aging parents on one side and dependent kids on the other. Dan Haylett shared an article he calls The "Open Sandwich" Generation, which is after your parents pass away. We will discuss Dan's article on what happens when the slices come off. In our Listener Question segment, I'm asked "How do you do estate planning when you don't have anybody to name?" And we wrap it up with a story that hits true to the meaning of "Retiring To Something". Resource: Article by Dan Haylett: The 'Open Sandwich' Generation Connect with Benjamin Brandt: Subscribe to the This Week in Retirement : http://thisweekinretirement.com Get the Retire-Ready Toolkit : http://retirementstartstodayradio.com Work with Benjamin : https://retirementstartstoday.com/start Get the book! Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in: Apple Podcasts , Spotify , Overcast , Pocket Casts, Amazon Music , or iHeart