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Retirement Radio USA - Podcasts

  …In pursuit of a ” Work-Optional Lifestyle?” Learn How To Retire And STAY Retired: Join Scottsdale Financial Planner Steve Jurich, AIF® for The “Common Sense Financial Hour” aka MASTERING MONEY —  on Money Radio am 1510 , DAILY at 8am and 11am, with updates M-F at 4:30pm. Podcasts 24/7 on the Mastering Money APP (Android) and i Tunes (Apple). Or, simply visit RetirementRadioUSA.com

Recent episodes

Mastering Money 6/13/22

Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market TALK SHOWS in America today, featuring timely insights from top analysts. “MOTLEY FOOL MONEY” is heard by millions of listeners coast to coast—including Saturdays right here on Money Radio at 5pm! First we’ll update breaking financial news and get a read on all the indexes, THEN, we’ll take you to an exclusive broadcast of the Motley Fool Money Show, with fresh ideas to help you become a more informed investor. Steve will cap it off with proven money-making and money-SAVING ideas that you DON’T want to miss! — A jam-packed show –and we’re READY TO ROLL ! … MASTERING MONEY IS ON THE AIR!!!

Check out this episode!

Mastering Money 6/10/22

Adults over the age of 50 manage an increasing share of the wealth in the United States. Risky investment decisions that are made as people age may have effects on both financial markets –AND individuals in later life. FINRA, the Financial Industry Regulatory Association, performed an in-depth study recently to assess how many older Americans—those over 58 with far less time to recover from a market shock than younger investors– were taking on TOO MUCH risk. And for those TAKING too much risk using standard measurements, they wanted to know WHY. Well today, we’ll reveal what they came up with in this really interesting study– and how it might apply to YOU. Then Medicare expert Shelley Grandidge joins us for the Q & A. …A fact filled show you don’t want to miss….MASTERING MONEY is on the air!!

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Mastering Money 6/9/22

Over the past century, markets have crashed A DOZEN TIMES, several times by more than fifty percent, leaving people’s finances and dreams in disarray for YEARS.  Not only is money lost, but TIME is lost. It takes time to build up a nest egg.  The last thing anyone wants is to START OVER in retirement.  If you’ve been saving for thirty years for your dream retirement, it makes no sense to go back to where you were ten or fifteen years ago with your money. Can that happen?   Well of course, it DID happen…. TWICE… in 2000 and 2008!  Are we there again?The S & P has fallen, but only back to levels we saw in December of 2018.  This bear market is proof of why you need to keep your money in safer, smarter buckets, so that your retirement is protected, your investments are of high quality, and your income is for life. Today, we’ll review exactly what to do NOW to make the most of your current retirement nest egg!  A great show today you don’t want to miss …. MASTERING MONEY is on the air!

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Mastering Money 6/8/22

As you get closer to the day when your salary goes away… and everything you’ve accumulated up to this point has to be the source of ALL your future paydays… your decisions need to become more accurate. You can’t afford the mistakes you made thirty years ago.  On an increasing basis, the news literature in the financial world states that you will need more than a million dollars to retire to make sure you don’t go broke.   A million is a nice sum of money, but unless you properly diversify, allocate, and conserve it, you run the risk of seeing it get cut in half by a combination of market declines, income withdrawals, RMDs, taxes, politics, fees, inflation, and poor timing when it comes to retirement. Today, we”ll tell you the story of Doug and Diane, who found out the hard way. Then Medicare Specialist Shelley Grandidge joins us for the Q & A. Don’t miss today’s show  MASTERING MONEY is on the air!!

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Mastering Money 6/7/22

Today on Mastering Money, a very special guest joins us:  Chris Hill, long time Wizard for the Motley Fool and a host of the Motley Fool Money Show.  Steve and Chris will share views on the market.  But first..…Planning a financial portfolio for retirement is much like building a custom home. To build a custom home, you start with a blueprint that details not only what your house will look like, but how the individual components will come together–starting with the Foundation. To do it right, you must first know what your objectives are. You and your designer work together to draw a plan that includes every room and every detail of each room until you have a full set of construction plans, plus a list of materials and resources needed to build the house in a timely manner. Today, we’ll discuss how to build a financial plan for retirement that can weather all storms, MASTERING MONEY is on the air!!

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Mastering Money 6/6/22

Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market TALK SHOWS in America today, featuring timely insights from top analysts. “MOTLEY FOOL MONEY” is heard by millions of listeners coast to coast—including Saturdays right here on Money Radio at 5pm! First we’ll update breaking financial news and get a read on all the indexes, THEN, we’ll take you to an exclusive broadcast of the Motley Fool Money Show, with fresh ideas to help you become a more informed investor. Steve will cap it off with proven money-making and money-SAVING ideas that you DON’T want to miss! — A jam-packed show –and we’re READY TO ROLL ! … MASTERING MONEY IS ON THE AIR!!!

Check out this episode!

Mastering Money 6/3/22

Winning in retirement, at least financially, is a matter of priorities. Some folks want to double their money, regardless of the risk. They think “TALL” with their money. Others want to leave more for heirs. They also think “TALL” with their money.  But a new type of retiree has emerged in recent years. They don’t seek untold wealth or making their kids rich, as much as they seek true  financial independence for the rest of their lives. They want their “in-COME”  to exceed their  “out-GO” for as long as they live. That makes retiring on today’s bonds an impossibility. With ten year treasury’s yielding less than one percent, a new type of safe retirement asset  paying significantly more income is needed. As a result of  advanced annuity engineering the past five years , a  NEXT GENERATION retirement annuity has emerged paying higher income with a high degree of safety. In addition– it may benefit from market increases with no market losses and no cap. We’ll explain in detail and then Medicare expert Shelley Grandidge joins us.  A fact filled show you don’t want to miss…MASTERING MONEY is on the air!!!

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Mastering Money 6/2/22

With the Green New Deal–or a scaled down version of it–becoming more of  an issue every year– there is no question the world is heading toward cleaner manufacturing technologies, cleaner forms of fuel, and advanced carbon capture technology to make coal and petroleum cleaner.  Why do we still need coal and petroleum?   Electricity!  Without fossil fuel technology, our nation would not have enough uninterrupted electricity to run cities, suburbs, airports, mass transit, schools and other facilities that simply cannot run on solar and wind.  Wall Street is gearing up to find profitable ways to take out particles of carbon into the atmosphere once it’s there. We’ll review one company that has already been doing it for years.  A terrific show you don’t want to miss–MASTERING MONEY is on the air!!

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Mastering Money 6/1/22

People who don’t like losing money in the stock market are often described as “risk-averse”. In reality, behavioral scientists will say that you may not be RISK averse, but rather LOSS averse. There is a difference, and it matters when you are designing your financial plan.  Las Vegas is loaded with people who are not risk averse. In fact, they take pleasure  in taking a risk.   But all of them are LOSS averse. Today, we’ll clearly define the difference and why you need to know it when determining HOW to allocate your investments for retirement, and it may SHOCK you! Then health insurance and Medicare expert Shelley Grandidge joins us for the Q & A.  An important show you don’t want to miss….MASTERING MONEY is on the air!!

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Mastering Money 5/31/22

The smart way to build retirement wealth  is with a smarter financial bucketing plan to segment and sequester your capital into clear and distinct financial buckets, each with its own specific task and time deadline. Each dollar should have a job to do, and be good at doing it.  Traditionally, bonds were the tool of choice for protecting a portfolio from market loss while providing competitive income. That is no longer the case. Steve will tell you about a new solution that you won’t want to miss.    MASTERING MONEY is on the air!!

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Mastering Money 6/21/22

The financial world is huge, and there are many different ways to invest for profit.  Some strategies focus on TIMING the markets, others focus on time IN the market.   Some methods of analysis are all about the big picture—choosing SECTORS to invest in GENERALLY,  rather than zeroing in on specific companies. Other strategies are the opposite. They focus on  individual companies, and their profitability, balance sheet, dividends,  market share, and stability of management. What’s the BEST way to invest? How can you bypass the stress and make investing more simple. Today, we’ll do an educational review of how various investment approaches work, and help you decide which makes the most sense for you–with specific recommendations.  You don’t want to miss today’s show MASTERING MONEY  is on the air!!!

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Mastering Money 6/20/22

Today on Mastering Money…It’s a MOTLEY FOOL MONDAY!! The Motley Fool Money Show is one of the most popular stock market TALK SHOWS in America today, featuring timely insights from top analysts. “MOTLEY FOOL MONEY” is heard by millions of listeners coast to coast—including Saturdays right here on Money Radio at 5pm! First we’ll update breaking financial news and get a read on all the indexes, THEN, we’ll take you to an exclusive broadcast of the Motley Fool Money Show, with fresh ideas to help you become a more informed investor. Steve will cap it off with proven money-making and money-SAVING ideas that you DON’T want to miss! — A jam-packed show –and we’re READY TO ROLL ! … MASTERING MONEY IS ON THE AIR!!!

Check out this episode!

Mastering Money 6/17/22

Because fewer people are retiring with pensions, the demand for annuities continues to grow, and is likely to keep growing. Ten thousand Baby Boomers a day turn age 60–and every age up to age 75. They need income to retire on, but bonds pay too little. Baby Boomers have embraced the common sense and logic that annuities provide—especially the NEXT GENERATION of retirement annuities which let YOU, the owner,  share in market index increases without losses, while growing a permanent secure income like a pension at four or five times the income rate of a quality bond.   Smart people are protecting themselves NOW against the next crash and getting in at just the right time. Today, we’ll review just how Index Annuities work and how income riders work. Then Medicare Specialist Shelley Grandidge joins us. You don’t want to miss today’s show….MASTERING MONEY  is on the air!!

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Mastering Money 6/15/22

It seems everyone wants to do a Roth conversion—until it’s actually time to write checks to the IRS!  Roth conversions sound appealing, but they don’t always make sense– according to many CPAs– especially the closer you get to age 70.   That said,  a Roth conversion can be a powerful tax planning technique. The idea behind most Roth conversions is to take money from a substantial IRA account, and convert it systematically to a Roth IRA, getting rid of taxes permanently on that money.   The Tax Cut and Jobs Act lowered taxes, creating a Roth conversion strategy known as “filling the middle brackets.”  We’ll review that strategy, as well as the perfectly legal “Back-Door-Roth” strategy. Then Medicare expert Shelley Grandidge joins us for the Q & A.  A fact-filled show for you today that you surely don’t want to miss…… MASTERING MONEY is on the air!!!

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Mastering Money 6/14/22

Although market timing and momentum investing sound good, especially in the short run, investing in stocks that pay increasing dividends every year can be a proven, powerful, and DURABLE way to grow retirement wealth with less stress, less bother—AND–with the power of mathematics on your side. Only a salesman trying to sell you a hot-stock strategy could deny the documented, long term success of investing and RE-investing the dividends of companies which consistently increase their dividends every single year without fail, and are properly positioned within their industry and sectors. With a dividend strategy, you welcome declining markets, you don’t fear them! Today, Steve has the exact details you don’t want to miss on the art and science of dividend GROWTH investing MASTERING MONEY is on the air!

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Mastering Money 6/23/22

For worry free income, preservation and indexed growth in retirement with no market losses and no management fees, today’s NEXT GENERATION uncapped retirement index annuities with income riders are becoming the asset of choice for 401k and IRA rollovers. Once upon a time, government bonds could provide the security and financial peace of mind required in retirement. In fact, “living off your savings” was the time-honored approach to retirement. But when bank CDs and bonds are paying zero or near zero, and that’s your only plan, you are no longer LIVING off savings….You’re just spending down your principal haphazardly! You are just paying your principal back to yourself, with little or no interest, and no guarantee of what happens when you run out. Can anyone seriously consider retiring on a bond or bank account paying less than one or two percent, with inflation headed to three or four percent annually one day? Today, we’ll show you how to avoid poor retirement income planning. A power-packed show you don’t want to miss! MASTERING MONEY is on the air!!!

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Mastering Money 6/22/22

SO,  “when IS the best time to take Social Security?”  Should you take it early, later, or right at Full Retirement Age? Is there a sweet spot where you beat the system at its own game?  Entire books have been written on the topic, and there are many seminars on the topic going on almost every day.  Most of the confusion about when to take Social Security income centers on SPOUSAL benefits. Today, Steve and I will review the new rules of Social Security claiming and outline a circumstance when it makes sense for the younger spouse to start benefits early. Then health insurance and Medicare expert Shelley Grandidge joins us for the Q & A. A fact-filled show you don’t want to miss…MASTERING MONEY is on the air!!!

Check out this episode!

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