Ironclad Retirement

Lifetime Memories Start with Giving Money Today vs Tomorrow

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 14 Apr 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, zooms out from “money tactics” and talks about purpose: using money to create meaningful experiences and memories while you’re alive. He emphasizes that families rarely remember account balances, but they do remember trips, traditions, generosity, and time together. He also encourages retirees to talk with children and grandkids about what they’re doing and why—especially if they’re setting up legacy strategies (like multiplying RMDs)—so the next generation learns the values behind the plan, not just the numbers.

Mulitplying Your RMD to Impact Your Legacy

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 7 Apr 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains a strategy for retirees who are required to take RMDs but don’t actually need the income. Instead of letting that money sit (or spending it needlessly), he discusses redirecting a portion of the RMD into premiums for a life insurance policy. The result can be a much larger, tax-free death benefit for children, grandchildren, or charities—effectively converting taxable qualified dollars into a leveraged legacy tool.

How Taxes Impact Giving Money to Children

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 31 Mar 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains how annual gifting strategies can help families transfer wealth intentionally while watching the impact in real time. He discusses gifting limits, using 529 plans for education, and how certain rules can even allow leftover 529 funds to support a Roth IRA—turning giving into a multi-generational advantage.

Tax Traps in the Secure Act, etc.

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 24 Mar 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains how the SECURE Act changed inherited IRA rules, replacing the “stretch IRA” for many heirs with a 10-year payout requirement. He discusses how large inherited IRA distributions can push adult children into higher brackets during peak earning years—and why proactive legacy planning matters.

Tax Torpedos and How to Avoid Them

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 17 Mar 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains how unplanned withdrawals can trigger “tax torpedoes,” including higher Medicare premiums, higher taxable Social Security, and unexpected bracket jumps. They walk through how a major purchase (like a car) can cost far more than expected when taxes and IRMAA effects stack up.

An Inactive Retirement (not using $ for TIME & Memories... also No Go Years)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 10 Mar 2026 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, and the host discuss the go-go, slow-go, and no-go seasons of retirement and why planning for later-life care matters. They explore how families can keep making memories even when travel becomes difficult—by bringing loved ones to you through staycations and intentional giving.

Lock In Your Lifestyle in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 3 Mar 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, breaks down how retirees often underestimate spending needs and why retirement can cost as much—or more—than working years. He introduces his “Income Calibration System” and explains laddering income streams to help fight inflation and prevent running out of money.

The "Just-in-Case" Retirement (they don't spend as they should in fear)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 24 Feb 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman,explains why many retirees struggle to spend—even when they can afford it—and how an intentional income strategy can replace fear with freedom. He and the host discuss creating reliable cash flow, building a “private pension,” and why a statement balance isn’t the same thing as a real plan.

Underliving Your Retirement (Saving vs Spending = Less Joy & Fewer Memories)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 17 Feb 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, discusses why many retirees skip vacations, say no to experiences, and hoard assets for heirs—only to have those assets often spent within about 18 months. Matt explains how predictable “mailbox money” can relieve anxiety and give clients permission to spend. Michael ties it back to the bigger goal of using money to create memories, not just a pristine balance sheet.

The Retirement Multiplier

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 10 Feb 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, introduces the “retirement multiplier” concept, arguing that the biggest risk in retirement isn’t the market—it’s how long you live. The longer your retirement lasts, the more chances you have to encounter downturns, health issues, and rising costs, making a long-term, resilient plan critical.

Your IRA is an IOU to the IRS

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 3 Feb 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, reframes traditional retirement accounts as IOUs to the IRS. He explains how contributions, employer matches, and all the growth inside those accounts are eventually taxed—and why many retirees overestimate how much of that balance they truly get to keep.

Having a License to Spend (like 007)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 27 Jan 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains how structured income planning gives clients the psychological permission to spend, and shares a story of a couple with several million dollars who still felt paralyzed by fear. Michael compares retirement planning to dialing in a multi-digit lock—taxes, Social Security, market risk, and emotions all have to line up to unlock real freedom.

Hopium is NOT a Retirement Plan

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 20 Jan 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains why so many retirement plans are built on “hopium” – optimistic assumptions about market returns, behavior, and timing – instead of hard math. He and Michael talk about structuring retirement so essential expenses are covered by reliable income sources, freeing you to invest and spend without constant anxiety.

Locking in Your Lifestyle (Paycheck for life)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 13 Jan 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains that you don’t retire on a lump sum—you retire on steady, predictable income. He outlines how to lock in a base lifestyle with guaranteed, pension-like income and then layer on an “income calibration system” that builds in future raises to keep up with inflation. The goal: no more fear of running out of money, and no more guilt about spending it.

Paying for College - 529 into Roth

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 6 Jan 2026 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shows how grandparents can ease the pressure on their adult children and set grandchildren up for a stronger financial future by funding education smartly. He explains how 529 plans reduce stress on the “sandwich generation,” and how new SECURE Act rules allow unused 529 money to be rolled into a Roth IRA—giving grandkids a huge head start on retirement.

Legacy Now & Later - Giving While You're Living

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 30 Dec 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman explore's the difference between inheritance and legacy. They discuss giving while living, funding experiences like trips and milestones, modeling wise money behavior, and starting traditions that can last for generations. Matt highlights how a written retirement plan frees you to be present instead of preoccupied.

Unpacking the Secure Act and What it Means to You

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 23 Dec 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, gives a high-level overview of the SECURE Act and SECURE Act 2.0, focusing on practical implications instead of tax-code jargon. He covers new RMD ages, the 10-year rule for most inherited IRAs, expanded Roth features at work, and the powerful new ability to roll some unused 529 plan funds into a Roth IRA for the beneficiary.

The World's Most Expensive Inheritance Plan

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 16 Dec 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares how most inheritances in the U.S. are gone within about 18 months and explains why leaving large qualified (pre-tax) accounts to children can be one of the costliest ways to pass on wealth. He contrasts IRA/401(k) money with brokerage assets that get a step-up in basis and shows how to structure withdrawals and beneficiaries more intelligently.

How to Buy Back Your Time in Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 9 Dec 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, explains that many retirees unintentionally spend huge chunks of their “golden years” managing accounts, bills, taxes, RMDs, Medicare choices, and paperwork. He shows how to outsource low-value tasks and build systems around income, RMDs, and Medicare so you can focus on memories and experiences instead of money chores. He unpacks what it really means to “optimize for experiences” in retirement. They talk about delegating yard work and other tasks, automating income flows, and working with specialists (decumulation, tax, Medicare, Social Security) so your time is freed up for grandkids, travel, hobbies, and meaningful giving.

Counting Backwards: The 3 Things Money Can Have, but Only 2 at 1 Time

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 2 Dec 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, breaks down the three jobs of retirement money—liquidity, growth, and safety of principal—and explains why no single account reliably delivers all three at once. Listeners will learn how common vehicles trade strengths: investment accounts provide access and growth potential but risk principal, savings and checking accounts keep money safe and accessible but generate minimal growth, and options like CDs or indexed retirement tools protect principal and add growth upside while limiting full access. The conversation shows how a bucket strategy spreads money into clear, purposeful segments, ties decisions to personal “whys,” and keeps planning simple enough to act on without stalling. If you want a plan you can understand, trust, and execute, this episode lays the foundation.

The Retirement Deception

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 25 Nov 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, unpacks “The Retirement Deception,” the dangerous assumption that you can keep doing in retirement what you did during your working years with your 401(k) and investments. Using a simple car analogy, they explain why accumulation and decumulation require different “vehicles,” how sequence of returns risk can wreck your plans, and why locking in your lifestyle with guaranteed income comes first. Once that foundation is in place, market money becomes true “play money” instead of a threat to your standard of living.

Spending Your Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 18 Nov 2025 06:00:00 +0000

In this episode, Bestselling Author and Retirement Planning Expert, Matt Richman and Michael DeLon unpack the mental shift from decades of accumulation to the decumulation phase of retirement. They explore the real risks retirees face—longevity, markets, inflation, and long-term care—and show how a personalized income plan can turn fear into freedom so you actually enjoy the time you worked so hard to earn.

Giving While You're Living

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 11 Nov 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the benefits of giving during your lifetime instead of waiting until you pass away. Giving is not just financial.... Listen to this episode and you'll gain a new vision of generosity so you can be giving while you're living.

When & How to Begin Your SSA

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 4 Nov 2025 06:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the strategy of deciding when to begin taking your Social Security benefits. There are many factors involved that you need to consider so that you can gain the greatest benefit in the short term and long term.

How to Prepare for Long-Term Care Without Going Broke

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 28 Oct 2025 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares the truth about long-term care planning. Statistically, this will happen to 70% of people over 65 in some form. This is a must-listen-to episode so that you can prepare for the future properly.

Your Retirement Paycheck

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 21 Oct 2025 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares how to create both Paychecks and Playchecks in retirement. Your regular income does not need to stop when you retire. In this episode, Matt explains more about creating your Retirement Paycheck.

The WHY of Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 14 Oct 2025 05:00:00 +0000

Bestselling Author and retirement planning expert Matt Richman shares the concept of retiring to something more than from something. What is your purpose in retirement? What is your fulfillment beyond money? What memories do you want to make? Listen to this episode and you'll better understand your WHY of Retirement.

How to Set Your Spouse Up to Survive After You Die

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 7 Oct 2025 05:00:00 +0000

Bestselling Author and Retirement Planning Expert, Matt Richman, shares what happens to your income - especially Social Security - when one spouse passes away. Without proper planning, you may see much of your income go away. Listen to this episode to learn what can happen and how you can prepare for this.

The Retirement Red Zone

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 30 Sep 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman talks about the time in your planning when you can't make a mistake. Similar to the red zone in football, there's a time when you cannot afford a mistake. Listen as Matt shares when the Retirement Red Zone happens and what you need to do to prepare properly.

Reclaiming your IRA from a Previous Employer

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 23 Sep 2025 05:00:00 +0000

Listen as retirement planning expert, Matt Richman talks about what you should do to reclaim the funds in a retirement plan from a former employer. This is a common experience that can impact your retirement. Listen as Matt shares what you can do if you find yourself in this situation.

Inherited Money & Taxes

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 16 Sep 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman discusses why inheriting money triggers a tax bill that you may not be expecting. Listen to this and you'll be better equipped to pay fewer taxes on inherited money.

Secure Act 2.0

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 9 Sep 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman explains how the Secure Act has changed and what impact this may have on your retirement. Be sure that you listen to this so your future is safe and secure.

The Trillion Dollar Tax Bill - How to Save by Giving Now

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 2 Sep 2025 05:00:00 +0000

Listen as retirement planning expert, Matt Richman talks about the tax impact of giving money now &/or later. Your kids will enjoy your money more now by making memories that you both can enjoy instead of waiting until you pass away. Listen to this and you'll understand how to give while you live.

Giving Grandkids a Step Up in Life

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 26 Aug 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman talks about practical ways you can give your grandkids a step up in life. This is a great episode that will help you give while you live.

How to Give Money to Your Kids (now or later?)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 19 Aug 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman shares some ideas on the purpose of your money and whether you should give some to your kids now or later. This is an important topic that can have sa ignificant impact on your family and the taxes they have to pay.

Relatives in Retirement: Aunt IRMAA

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 12 Aug 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman introduces you to "Aunt IRMAA" and how she can impact your retirement income. Aunt IRMAA is part of the government and stands for: Income Related Monthly Adjusted Amount. This is another way for the government to get more of your money. Listen to Matt and prepare yourself to un-invite Aunt IRMAA to your annual family picnic.

Relatives in Retirement: Your Silent Business Partner, Uncle Sam

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 5 Aug 2025 05:00:00 +0000

Listen as retirement planning expert Matt Richman explains why Uncle Sam is your silent partner in retirement. He's waiting to get "his share" of your money. There are ways to pay Uncle Sam less, but you need to do it the right way. Listen to Matt as he shares some proven ways to disinherit Uncle Sam so you can keep more of the money you've saved.

Money in the Market vs Safe Money Alternatives

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 29 Jul 2025 05:00:00 +0000

Your money should be in both of these places. Listen to Matt explain the priority level and process of having enough of your money in Safe Money areas and other money in the market. These are not opposing alternatives but can actually work together to help you live the best retirement ever.

Money is NOT a Retirement Plan

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 22 Jul 2025 05:00:00 +0000

The amount of money on your statement is not a plan for your retirement. Money alone is not a plan, and you don't know how long you will live. You need to optimize your money for the retirement you desire. Listen to this episode and you'll understand why money is not a retirement plan.

3 Types of Money: Taxed, Tax Deferred, Tax FREE

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 15 Jul 2025 05:00:00 +0000

There are 3 Types of Money, and knowing which of these your money is in makes a lot of difference in your retirement plan. Some of your money could be taxable, some could be tax-deferred, and some could be tax-free. How much of your money is in each type dramatically impacts your retirement plan. Listen to this episode and you'll more fully understand the 3 Types of Money and what you can do to optimize the money you have to enjoy an Iron Clad Retirement.

Social Security Planning & How Taxes Affect This

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 8 Jul 2025 05:00:00 +0000

Did you realize that up to 80% of your Social Security could be taxed? Listing to retirement planning expert, Matt Richman, as he shares how taxes can affect your social security, income, and retirement plan.

The Swiss Army Knife of Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 1 Jul 2025 05:00:00 +0000

"Always be prepared" is a great phrase for retirement. In this episode, Matt shares how he has helped a client create a "Swiss Army Knife" with her retirement money. Now she is prepared for anything that comes her way and has the peace of mind to live life on purpose.

The Purpose of Your Money

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 24 Jun 2025 05:00:00 +0000

Your money should have a purpose. Is your money for living or dying? Do you want to use your money to enhance your life or give to the next generation? Regardless of your answer, Matt can show you how to structure your retirement so you can have the retirement you've been dreaming of. Listen to this episode and you'll be better equipped to know the Purpose of Your Money.

When Should Someone Reach Out to You?

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 17 Jun 2025 05:00:00 +0000

Planning for your retirement should begin when you are young. In this episode, Matt shares how younger people can begin planning for retirement sooner rather than later. There are many benefits to starting sooner and planning longer. It's never too late to call Matt, nor is it ever too early.

Your Retirement Dance Partner

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 10 Jun 2025 05:00:00 +0000

How does a retirement planning expert differ from a traditional financial advisor? In this episode, Matt explains why you may want to change your financial "dance partner" when you are ready to create your Iron Clad Retirement.

Year-End Tax Planning (begins today)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 3 Jun 2025 05:00:00 +0000

Taxes will follow you throughout retirement. You should begin your year-end tax planning today so you can be in better financial position next year and every year. After listening to this episode, you'll understand how Year-End Tax Planning is a key part of an Iron Clad Retirement plan.

Dying Isn't the Worst Thing in Life (Running Out of Money Is!)

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 27 May 2025 05:00:00 +0000

76% of people in retirement fear running out of money more than dying. Retirement is supposed to be your golden years. It's not the time of life when you should worry about whether or not you have enough money to live. In this episode, retirement planning expert Matt Richman explains how you can enjoy retirement without worrying about running out of money.

Retirement Inflation Fighters

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 20 May 2025 05:00:00 +0000

If there is any certainty in retirement, it is that inflation will happen and that it will eat away at your income. In this episode, retirement planning expert Matt Richman explains how you can create a battalion of Retirement Inflation Fighters that will guarantee you receive a raise in your income during retirement.

What Can Annuities Do for Me?

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 13 May 2025 05:00:00 +0000

Annuities can provide guaranteed income for life plus a whole lot more. Listen to this episode as retirement planning specialist Matt Richman explains some of the additional benefits an annuity can provide to you and your family. You'll learn how an annuity can provide you with income, accumulation, long-term care protection, loss of income protection, and much more.

Why Do Some People Hate Annuities?

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 6 May 2025 05:00:00 +0000

There has been a lot of misinformation about annuities in the last few years. You hear it on TV, in the media, and online. But is it all true? Listen to this episode as retirement planning expert Matt Richman explains how annuities of today are vastly different than annuities of yesterday.

Tax Free Distributions from Life Insurance

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 29 Apr 2025 05:00:00 +0000

A properly structured life insurance policy can be a phenomenal resource as you plan for your retirement. Life insurance can also be used to provide for your children's college education or perhaps starting a business. Listen to this episode as retirement planning expert, Matt Richman, shares some of the additional benefits of a tax free distribution from a life insurance policy.

Life Insurance - Living Benefits / LTC

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 22 Apr 2025 05:00:00 +0000

7 out of 10 people may ned Long-Term Care during their lifetime. How will you pay for this? Listen to retirement planning expert, Matt Richman, as he explains how a properly structured life insurance policy can help you provide for long-term care needs you may experience.

Life Insurance for Retirement Planning

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 15 Apr 2025 05:00:00 +0000

Which type of insurance should you utilize in your retirement planning? Listen to retirement expert, Matt Richman, as he explains how you can use life insurance to generate tax free income in retirement.

Roth Conversion & Taxes

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 8 Apr 2025 05:00:00 +0000

Converting an IRA into a Roth IRA can be a great move, but you need to understand the tax ramifications before you move forward. In this episode, Matt Richman explains what a Roth Conversion is, who can use it, and how you can take advantage of this if it's the right thing for you.

Rules of the Roth

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 1 Apr 2025 05:00:00 +0000

Did you realize that there are certain rules of the Roth? In this episode, retirement planning expert, Matt Richman, helps you understand a few of the most critical rules of the Roth. There are contribution limits and there are also a few back doors that you may have to use to create the retirement of your dreams. Listen to this episode, and then reach out to see how Matt Richman and his team can help you create an Iron Clad Retirement.

Roth vs Traditional

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 25 Mar 2025 05:00:00 +0000

The IRA is a staple in saving for retirement. But there is a vast difference between a traditional IRA and a Roth IRA. In this episode, retirement planning expert, Matt Richman, explains the differences and similarities between a traditional and a Roth IRA.

How Taxes Impact Retirement & Income

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 18 Mar 2025 05:00:00 +0000

Do you know how much salary you would like to have in retirement? In this episode, retirement planning expert, Matt Richman, explores how taxes impact your retirement and the income you want to have. Taxes are not going away anytime soon, so it's better to be prepared than to be shocked. Listen to this episode and learn how you can maximize your retirement salary as you create an Iron Clad Retirement.

The 3 Buckets of Money

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 11 Mar 2025 05:00:00 +0000

Understanding the three buckets of money is an important concept when you consider planning for your retirement. Listen as retirement planning, expert, Matt Richman, explains the three buckets of money, and how you need to plan for retirement depending on which bucket your money is in.

The 3-Legged Stool

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 4 Mar 2025 06:00:00 +0000

A 3-legged stool is stable and doesn't wobble. Does your retirement have all three of these legs, or is your retirement "stool" only sitting on two legs? Listen to this episode and retirement planning expert, Matt Richman, explains how to ensure that your retirement is on solid footing.

Out-Living Your Money

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 25 Feb 2025 06:00:00 +0000

The #1 FEAR in Retirement is NOT Death... it's running out of money. How much is enough? Can you be certain that you have saved enough money? These are good questions, but they are not the right questions. Listen to this episode and retirement planning expert, Matt Richman, shares the question you should ask to eliminate your fear of running out of money. If you want to make sure you have income for the rest of your life, listen to this episode.

The Purpose of Retirement

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 18 Feb 2025 06:00:00 +0000

What does the ideal retirement look like to you? How do you want to spend your time enjoying life? Listen in to see what retirement expert, Matt Richman, says about finding purpose in retirement.

Long-Term Care Shield

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 11 Feb 2025 06:00:00 +0000

Many people will need some type of long-term care during retirement. This can be a huge expense that could devastate your family. In this episode, you'll learn how to plan for this possibility without draining all that you've worked so hard to save.

The Tax Shield

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 4 Feb 2025 06:00:00 +0000

The government doesn't go away during your retirement years. In fact, many times they are more aggressive. Learn how you can plan today to lower your tax liabilities during your retirement years.

The Social Security Shield

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 28 Jan 2025 06:00:00 +0000

You've put money into Social Security for years. What's the best way to get it out without jeopardizing your future income? Listen to this episode to learn the many options you have and what steps you should take to maximize your Social Security benefits in retirement.

The Income Shield

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 21 Jan 2025 06:00:00 +0000

What's more important than having a large "nest egg" in retirement? Having a steady stream of lifetime income. When you have guaranteed income for life, you have peace of mind knowing you'll never have to work and that all of your bills will be paid. Now there's nothing wrong with a nest egg, but with market fluctuations and unpredictable taxes, your nest egg can shrink.

Who is Matt Richman

caleb@paperbackexpert.com (Caleb DeLon) — Tue, 14 Jan 2025 06:00:00 +0000

Do you like to hear the backstory and understand the heartbeat behind what fuels someone's passion? Why do they do what they do? Then you should listen to this insightful interview, and you'll soon know more than many close friends.