RETIREMENT MADE EASY Podcast Por Gregg Gonzalez arte de portada

RETIREMENT MADE EASY

RETIREMENT MADE EASY

De: Gregg Gonzalez
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Finally, a retirement podcast in a language YOU can understand. Your host, Gregg Gonzalez, Certified Financial Fiduciary®, CFP® is a Dave Ramsey Smartvestor Pro with the heart of a teacher. Listen as Gregg shares financial & retirement tips that are sure to keep you tuned in every episode. Check out our podcast website http://RetirestrongFA.com for FREE resources and to see how the RetireStrong team can help you plan for a successful retirement.Gregg Gonzalez Economía Finanzas Personales
Episodios
  • The Social Security Surprises That Could Cost You Thousands, Ep 190
    Jun 30 2025

    Most people treat Social Security as a fixed outcome, just another box to check when retirement arrives. Select an age, complete the form, and proceed. But the truth is, your choices around Social Security can unlock, or quietly erase, tens of thousands of dollars over time.

    The timing of your claim, whether you’re still working, your marital history, even how you coordinate with your spouse’s benefit… it all matters. And yet, plenty of financial advisors either avoid the topic or admit they don’t know how the system works. That leaves you on your own to navigate rules that weren’t designed to be intuitive, and change more often than most people realize.

    We’re walking through the kinds of Social Security questions that don’t get answered anywhere else. From how remarriage changes your options, to what really happens when you claim while still working, to why your savings could shrink faster than expected, these aren’t niche hypotheticals. They’re decisions with long-term effects, and it’s time more people knew what’s really at stake.

    You will want to hear this episode if you are interested in...
    • (00:00) The Social Security Surprises That Could Cost You Thousands.
    • (04:11) What your advisor might not know (but should) about Social Security.
    • (06:25) The earnings test demystified through a real-life example.
    • (09:39) Spousal, ex-spousal, and survivor benefits: who qualifies and when.
    • (14:57) Major policy changes: The Fairness Act and unexpected lump sum payouts.
    • (26:20) Legal custody, grandchildren, and overlooked Social Security benefits.
    Resources & People Mentioned
    • 3 Steps to Retirement Planning
    • https://www.retirestrongfa.com
    • https://www.ssa.gov
    Connect With Gregg Gonzalez
    • Email at: Gregg.gonzalez@lpl.com
    • Podcast: https://RetirementMadeEasyPodcast.com
    • Website: https://StLouisFinancialAdvisor.com
    • Follow Gregg on LinkedIn
    • Follow Gregg on Facebook
    • Follow Gregg on YouTube

    Subscribe to Retirement Made Easy
    On Apple Podcasts, Spotify, Google Podcasts

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    34 m
  • What That New Tax Bill Really Means for Your Retirement, Ep 189
    Jun 15 2025

    Most people nearing retirement aren’t thinking about tax legislation; they’re focused on their savings, Social Security timing, or making sure their lifestyle doesn’t outlive their money. But what if a single bill quietly reshapes the rules you’ve been planning around? In this episode, I break down a new piece of legislation that’s generating significant political buzz but concealing some far-reaching implications for retirees and pre-retirees alike. If you’ve heard soundbites about “the biggest tax cut in history,” you might assume you’re in for a windfall. The truth? It’s a lot more nuanced and more temporary than headlines let on.

    I walk you through what’s actually in the bill, what got stripped out (spoiler: Social Security tax relief didn’t make the cut), and how all this might hit people aged 55 to 70. Then, in classic Retirement Made Easy fashion, I pivot to listener questions on how to tap your accounts in the smartest order, why RMD math isn’t as harsh as people think, and whether borrowing against your house in a downturn is ever a good idea. I close with a sobering but motivating list of what can go wrong in retirement planning and how to think more clearly and conservatively about your future.

    You will want to hear this episode if you are interested in...
    • (00:00) Intro
    • (04:19) Key changes in the bill that might affect retirees
    • (13:08) Listener Q1: Which retirement accounts to tap first?
    • (19:58) Listener Q2: Clearing up RMD confusion
    • (23:03) Listener Q3: Is using home equity a good backup plan?
    • (27:06) Listener Q4: What could blow up your retirement plan?
    Resources & People Mentioned
    • 3 Steps to Retirement Planning
    • https://www.retirestrongfa.com
    • “The One, Big, Beautiful Bill…” https://www.whitehouse.gov/articles/2025/05/one-big-beautiful-bill-is-a-once-in-a-generation-chance/
    • IRS RMD table https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
    Connect With Gregg Gonzalez
    • Email at: Gregg.gonzalez@lpl.com
    • Podcast: https://RetirementMadeEasyPodcast.com
    • Website: https://StLouisFinancialAdvisor.com
    • Follow Gregg on LinkedIn
    • Follow Gregg on Facebook
    • Follow Gregg on YouTube


    Subscribe to Retirement Made Easy
    On Apple Podcasts, Spotify, Google Podcasts

    Más Menos
    38 m
  • The Overlooked Truths About Your Retirement Paycheck, Ep 188
    May 30 2025

    Most people heading into retirement think they’ve got it covered: a pension, some savings, maybe Social Security. But what if the things they’re counting on are either misunderstood or dangerously overestimated? This episode sheds light on a few hard-hitting truths that most folks never hear until it’s too late. Retirement income isn’t just about how much you have, it’s about how that income behaves over time, and how taxes, inflation, and planning gaps quietly erode the security you thought you had.

    As I walk through the mechanics of Social Security, from its inflation adjustments to its unique tax advantages, you’ll begin to see why it’s not just another income stream. It’s one of the only sources designed to rise with the cost of living. Contrast that with private pensions, which often never grow a penny, and you’ve got a ticking time bomb if you’re relying too heavily on the wrong source. And then there’s the planning itself: too many households have just one person steering the ship. That “key man risk” can leave the entire plan vulnerable.

    Whether you’re married, single, or retired, this episode pushes you to ask the uncomfortable but necessary questions: Who’s my co-pilot? Am I building a plan around stable, tax-smart income? And have I surrounded myself with people who will actually support the goals I’ve set? Because retirement isn’t just about having a plan, it’s about having the right one, built on the right truths.

    You will want to hear this episode if you are interested in...
    • (00:00) The overlooked truths about your retirement.
    • (01:30) Social Security as the foundation of most people's retirement income.
    • (03:00) What most people miss about Social Security’s inflation adjustments.
    • (06:00) Why Social Security's tax treatment beats other income sources.
    • (08:59) The overlooked downside of fixed pensions in a rising-cost world.
    • (14:25) The real risk of planning retirement without a financial “co-pilot.”
    • (19:10) Why you should only share retirement goals with supportive people.
    Resources & People Mentioned
    • 3 Steps to Retirement Planning
    • https://www.ssa.gov
    • https://www.irs.gov/retirement-plans/roth-iras
    Connect With Gregg Gonzalez
    • Email at: Gregg.gonzalez@lpl.com
    • Podcast: https://RetirementMadeEasyPodcast.com
    • Website: https://StLouisFinancialAdvisor.com
    • Follow Gregg on LinkedIn
    • Follow Gregg on Facebook
    • Follow Gregg on YouTube


    Subscribe to Retirement Made Easy
    On Apple Podcasts, Spotify, Google Podcasts

    Más Menos
    26 m
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