fbpx

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 7/19/22

Mastering Money
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!!!

Check out this episode!

Mastering Money 7/18/22

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 7/15/22

Strenuous, stressful work can wear people down and damage their health. In that case, RETIRING can relax and reinvigorate their lives. They finally have time to follow their passions and pursue activities that enrich their lives. But for others, the risks of retirement can involve bad health and even early death, says the Wall Street Journal. Although you might think that retiring would give a person more time to go to the gym, watch their diets, take longer walks, and work on their physical fitness, the opposite often occurs. Many retirees become sedentary and watch too much TV. They eat too much. They drink too much. They smoke too much. And, sometimes, they die too soon. Researchers find that without the purpose of fulfilling work, many retirees can feel adrift and become depressed. We’ll review the Journal’s statistics on retirement that may SHOCK you! Then health insurance expert Shelley Grandidge joins us for the Q & A. Don’t miss it…MASTERING MONEY is on the air!!

Check out this episode!

Mastering Money 7/14/22

There are hundreds of money decisions we all make on a regular basis, but most of them are short term, small in size, and have no lasting impact on our lives. The decision on how you will pay yourself a monthly paycheck in retirement, however, is the opposite—it is long term, large in size, and will have an immense impact on your life and your spouse’s! Get it wrong, and you have a problem. But it’s harder than you might think to get it right! So, what can you do? Well, there are two main income replacement strategies used by advisors according to industry studies. The first is the Systematic Withdrawal approach, the other is the Segmentation or Bucketing approach. Today, Steve will compare the two strategies in detail, to help you determine which is right for you. … MASTERING MONEY is on the air!

Check out this episode!

Mastering Money 7/13/22

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 and 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!!

Check out this episode!

Mastering Money 7/12/22

Today, a very special guest…but first
…Have you heard of the Rule of 36? Most people know the Rule of 72 which will calculates how long a sum of money will take to double at a certain rate of return. For example, if you’re making six percent, your money will double in twelve years. It’s a LAW of Mathematics. The Rule of 36 is reserved for Dividend Growth investors who reinvest dividends in companies that GROW their dividends. They get both the increase in share price over time PLUS the growth in the dividend rate over time. The results can be REMARKABLE. We’ll review an excellent example today. You don’t want to miss today’s show MASTERING MONEY is on the air!!

 

Check out this episode!

Mastering Money 7/11/22

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 7/8/22

According to the Wall Street Journal, the rise of technologies that help the elderly stay in their homes threatens to upend one of commercial real estate’s biggest bets: Senior housing.  While there is no question that there has been a boom in senior housing, especially in sun belt states like Arizona, new products and services include sensors that respond to a range of medical conditions, facial recognition for identifying visitors, and houses with malleable fixtures that can be adjusted as residents age.  Also, More and more interactive technology will be available for seniors living at home. Venture capital and other firms are expected to invest about $1 billion dollars this year in these and other so-called “aging in place” technologies. We’ll review an intriguing Wall Street Journal report on the topic, then Medicare and health insurance expert Shelley Grandidge joins us.  Don’t miss it–MASTERING MONEY is on the air!!

Check out this episode!

Mastering Money 7/7/22

Older Americans are selling off the stock market, slowly but relentlessly…. to junior generations.  According to CNBC, Baby boomers own an outsized helping of the market and are constantly reducing it–due to RMDs and other factors.  This is a process that is non-stop because 250,000 boomers turn 72 every ninety days. Analysts point out it will have an effect on  supply and demand for equities in the short, medium, and long runs.  Millennials, now the largest generation by population, lack the financial wherewithal to pick up the slack.  How will this long term drain, expected to accelerate over the next five and ten years, affect your investments?  What changes to your current financial plan might you make to make sure your retirement is not impacted?  We’ll lay out all the statistics, with some very timely strategy choices you’ll want to know more about. Don’t miss it….MASTERING MONEY is on the air!!!!

Check out this episode!

Mastering Money 7/6/22

The explosion of products and services that have become available in the financial marketplace today are enough to bewilder Einstein! Professor Einstein always said the U.S. tax code was more complex than nuclear fission in his mind, but, rest his soul, he passed away before trying to figure out how a VARIABLE ANNUITY works!   Variable annuities work fine when markets are rising, but get ugly when markets decline. Today, learn the in’s and out’s of variable annuities from a true expert in the field, then Medicare and Health Insurance expert Shelley Grandidge joins us for the Q&A. You don’t want to miss TODAY’s show…MASTERING MONEY is on the air!!

Check out this episode!

Mastering Money 7/5/22

Imagine walking out to your mailbox every few months and finding five thousand or ten thousand dollars worth of checks sitting there waiting for you. Every ninety days, the same checks arrive and then every year the checks get bigger–you get a raise every year! And you get those checks for doing absolutely nothing, except owning the right investments. Some investors like to speculate on higher prices in the future for their stocks or real estate. Other investors don’t mind higher prices, but they’re in it for the steady growing cash flow–money in the mailbox.  Rental properties and dividends stocks have created immense wealth in this country and today we will review exactly how you can put the plan to work for you, and build retirement wealth, the SMART way.   MASTERING MONEY is on the air!!!

Check out this episode!

Mastering Money 8/2/22

If you’re smart, tax planning is a year-round activity.  And, if you are even smarter, you will pay attention not only to the  ALLOCATION strategy for your investments, but also your LOCATION strategy. Knowing WHERE to locate your various investments inside OR outside of IRAs and Roths is something that is easily done with a little planning upfront. For example, many investors will pay taxes on mutual funds this year even though they never took out a penny from their account. They–and maybe you–will get charged for capital gains that occurred in the fund during the year even though you didn’t cash in. Today, we’ll point out ways to avoid unnecessary taxes with your investments…    An important show you don’t want to miss  MASTERING MONEY is on the air!!

Check out this episode!

Mastering Money 8/1/22

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 7/29/22

How well have you done with your investments over your lifetime? You’ve had some good years where you got twenty percent or so perhaps. But, like the rest of us, you have had some STINKERS. Most investors lose money an average of three years out ten. That’s why averaging ten percent is so hard. Most investors also buy stocks or mutual funds haphazardly–without a clear strategy. That’s another proven way to hurt your overall returns. How long does it take to DOUBLE your money? Using the Rule of 72, money doubles every eighteen years at four percent compounded, it doubles every twelve years at six percent compounded, and every nine years at eight percent compounded. Today, we’ll review the real secrets of raising your average rate of return and how get a guaranteed bonus of ten percent on a safe fixed income vehicle, with a GUARANTEED growth rate of 7 percent COMPOUNDED.  Then health insurance expert Shelley Grandidge joins us. A very timely show you don’t want to miss…MASTERING MONEY is on the air!!!

Check out this episode!

Mastering Money 7/28/22

Retirement is supposed to be easy.  This is the time in your life when you want to start relaxing and enjoying your life. You have put in your time…you want to reap the rewards. Twenty years ago, the secret to retirement was to move half of your  money to bonds paying five to seven percent…. You got the SAFETY you needed– and typically enough interest  to keep you from worrying about your money. But twenty years ago,  you were likely PERTURBED because the rate on a ten  year treasury was dropping all the way “down” to five or six percent!     Yet the advice you get from a big-box-brokerage like Vanguard, Fidelity, or Edward Jones,  is to keep buying those bonds paying the lowest interest rates in one hundred years. Today, we’ll break down the risk in bond funds, and how to fix it.. Don’t miss today’s show– MASTERING MONEY is on the air!

Check out this episode!

Mastering Money 7/27/22

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. Interest rates on bonds no longer support a secure retirement. In the Market Intel segment, Steve lays out a common sense planning solution that can help you retire and stay retired.  Then, Medicare expert Shelley Grandidge joins us for the Q & A. An important show you can’t afford to miss… MASTERING MONEY is on the air!!

Check out this episode!

Mastering Money 8/9/22 – SPECIAL PODCAST: The Truth About Q-LAC’s (Qualified Annuity Contracts)

SPECIAL PODCAST: The Truth About Q-LAC’s (Qualified Annuity Contracts)
Steve breaks down what you may not hear from the Q-LAC salesperson. Don’t buy any Q-LAC until you hear this podcast!
Then Steve serves up the most important points about dividend investing, and the Black Diamond Dividend Growth portfolio.  An important, timely podcast you won’t want to miss.

Check out this episode!

Mastering Money 8/9/22

Over the past few years we’ve seen a lot of publicity and news about the advent of the “robo advisor.” These “robo advisors” are not like the robots that can clean your house or perform surgical procedures. The term  “Robo advisor” is probably a misnomer. The accurate description would be a  “low-cost, automated asset ALLOCATION program.”   A robo allocation system creates an asset allocation from data it is fed by humans. It then makes trades via algorithm. Ironically robo advisors base their allocations 100% on past performance and  thirty year AVERAGES from the past! The problem: A thirty year average could be meaningless when it comes to navigating the NEXT five or ten years. We’ll review what you need to know,  Don’t miss today’s show, MASTERING MONEY is on the air!

Check out this episode!

Mastering Money 8/8/22

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!

Now You Can Listen To Mastering Money Wherever You Go!

Download the free MASTERING MONEY app – Get it from the App Store or on Google Play, search for “Mastering Money” or tap the link below.

Iphone 2021