Best Yourlifeyourmoney Podcasts (2023)

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 96: Are You Ignoring The Impact Of RMDs On Your Retirement? 30:05

7h ago30:05

30:05

Did you know the government is going to force you to take money out of some of your retirement accounts as you get older, even if you don’t want to? In today’s episode, we talk about what required minimum distributions are, why they exist and when they might start for you. Ignoring them could lead to major taxes issues down the road that might be d…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 95: Last Minute Tax Tips Before Filing 20:33

6d ago20:33

20:33

If you’re looking for some last-minute tax tips before filing your 2022 taxes, this episode is for you. We’re going to talk about strategies you can utilize to reduce your taxes for last year or utilize to get some tax-free money growing for your future. Here’s some of what you’ll learn on this episode: The first strategy is being able to make cont…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 94: 5 Expenses Typically Missed in Planning for Retirement 31:02

5h ago31:02

31:02

Whenever we first start talking to someone about what they’re going to need for retirement, we usually hear some of the same answers. They’ll name some of the basics like mortgage and utilities and then run through the fun stuff like travel and hobbies. But too often, there are five expenses that people typically miss when planning for their retire…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 93: Rookie Mistakes Even Experienced Investors Make 28:57

7d ago28:57

28:57

Even if you’ve been saving your money and investing for a long time it’s easy to make rookie mistakes. On this episode, we’ll cover some of the top rookie mistakes we see people make, illustrate how to avoid them or how to fix them if you’ve already made some mistakes in your financial life. Here’s more of what you’ll learn on this episode: First m…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 92: Roth Conversions, Rental Property & Income, Inheritance Decisions – Mailbag Episode 35:47

1M ago35:47

35:47

Today we’re going to open up the mailbag to answer your financial questions and we’ll be covering some great income, tax and investing topics. We hope this episode provides some great information that you can take and implement into your financial plan to help you build wealth and retire with confidence. Here’s more of what you’ll learn on this epi…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 91: 5 Beneficiary Mistakes – Are You Accidentally Spoiling Your Retirement Plan? 22:29

1M ago22:29

22:29

You’ve worked hard for your savings and investments, and we’ve found that most people want to make sure that those funds pass on to someone that’s important to them when they pass. In this episode, Scott will address five, unfortunately, common beneficiary mistakes. These could cost you and your loved ones dearly, and end up spoiling an otherwise w…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 90: The Three Retirement Questions You SHOULD Be Asking 25:46

2M ago25:46

25:46

On this episode the Your Life, Your Money Podcast, Scott Sierens delves into why he believes there are three key questions that everyone should be asking themselves in order to ensure that they are properly preparing for retirement. These questions cover some of the most critical elements of the retirement planning process and are essential for any…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 89: 2023 Stock Market Predictions 21:02

2M ago21:02

21:02

Market volatility became the norm in 2022. Are we in for more of the same in 2023? In this episode, we’ll share some of the predictions being made by some big industry names for the upcoming year. Here’s some of what you’ll learn in this episode: Here are the expert predictions for 2023. (2:13) What do I think about these predictions? (7:48) Here’s…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 88: SECURE Act 2.0 Impacts On Your Retirement (Part 2) 29:05

2M ago29:05

29:05

In the first part of this two-part series, we detailed the changes coming to required minimum distributions and Roth accounts. In this episode, we’ll work our way through more of the planning items in SECURE Act 2.0, including spousal IRAs, qualified charitable distributions, catch-up contributions, emergency savings accounts, and required minimum …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 87: SECURE Act 2.0 Impacts on Your Retirement (Part 1) 27:56

2M ago27:56

27:56

Another round of retirement changes are on the way after President Biden signed a spending bill in December 2022 that included the SECURE Act 2.0. Retirees and pre-retirees need to understand what this legislation means, how it might impact you, and what planning opportunities this could open up. Here’s some of what you’ll learn in this episode: Ba…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 86: Age Gaps & Life Insurance, Taxes on an Inheritance, Tax-Efficient Investments for Non-Retirement Accounts – Mailbag Episode 31:27

3M ago31:27

31:27

It’s time to open up the mailbag again and answer some of your financial questions on the podcast, and we have a few really good ones to tackle today. Whether you’re in retirement or getting close, there will be some good information that we think you’ll relate to with your own financial planning. So a few of the things we’ll address in this episod…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 85: Is $1 Million Enough for Retirement? 24:47

3M ago24:47

24:47

Having a million dollars saved for retirement isn’t providing the type of confidence that it used to for pre-retirees, and many people feel like they’ll need a little luck to be successful in retirement. Is that really the case and what’s a more realistic target number today? We’ll take a look at a recent article detailing the fears many Americans …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 84: Annuities, Lump Sum Surpluses, Which Accounts to Max Out – Mailbag Episode 27:50

3M ago27:50

27:50

Today’s show is all about answering your financial questions and we have four great ones for you that cover a few important topics. We’re going to answer questions about annuities, which is a product that not everyone understands. We’ll also talk about what to do if you come into a surplus of income, whether that’s from a work bonus, inheritance or…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 83: 5 Mistakes to Avoid in Your 401k 25:45

3M ago25:45

25:45

Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often leads to mistakes. In this episode, we’ll cover at least the top 5 mistakes people make in their 401(k)s. Here’s some of what you’ll learn in this episode:…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 82: 5 Retirement Changes in 2023 30:02

4M ago30:02

30:02

The one constant in life is change, and there are frequent changes that you have to be aware of to make sure you’re getting the most out of your retirement plan. Here are five changes to the retirement landscape that you should be aware of in 2023. Here’s some of what you’ll learn in this episode: Details on the new 401(k) limit increases and why i…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 81: Reducing Investment Risk, Account Split in Divorce, 10-Year Younger Spouse – Mailbag Episode 27:37

4M ago27:37

27:37

Today’s episode will be all about your questions as we dive into our mailbag to cover three different scenarios. Each of these is great and we’ll spend time tackling each topic in depth. We’ll first talk about when you should shift your investing strategy to a conservative approach. Then we’ll help someone work through which assets would be better …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 80: Secrets For Experiencing Satisfaction in Retirement 27:22

4M ago27:22

27:22

Today we’re going to be sharing the five secrets for experiencing satisfaction in retirement. Who doesn’t want to get to a place where they’ve achieved fulfillment in one’s wishes, expectations, and needs? That’s what we work to do each and every day with our clients and will use this episode to help you improve your situation. If you can key in on…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 79: Medicare – Why You Should Review Your Plan Annually & Options to Consider 41:03

5M ago41:03

41:03

If you’re on Medicare or will be switching over to it soon, this episode will be extremely valuable for you. We’ve invited Christee from the team here to join the show to talk to us about this healthcare program. We’ll go through all of the key aspects of Medicare today as well as tell you why consumers should be careful regarding the advertisement…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 78: 5 Common Retirement Planning Questions About Taxes 35:19

5M ago35:19

35:19

As we approach the end of the year, saving money on taxes becomes a bigger focus for many people. Today we’re focusing on some of the most common retirement planning questions about taxes. We’ll talk about mistakes to avoid and how a proper plan can make a significant difference in your tax savings. Check out today’s show to find out how our advice…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 77: Stock Market Update: How We Got Here and Where It’s Headed 50:16

5M ago50:16

50:16

Today we’re joined by Ben Sullivan, CFA® and vice president at AE Wealth Management. Ben will share his thoughts about why the market is down, whether we’re heading into a recession, and what could help turn this all around. It’s been a tough year, but our goal is to help you thrive in wealth in retirement. Check out today’s show to find out how ou…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 76: Year-End Retirement and Tax Strategy Planning (Part 2) 28:23

5M ago28:23

28:23

Just like we prepare our houses and lawns for the winter, we need to do the same for our finances. A lot of financial institutions have a Dec. 31 deadline to take action, so we want to make sure you’re prepared. Today is part 2 of our year-end retirement and tax strategy planning series. We’ll share more strategies you should consider before the en…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 75: Lending Expert Shares Tips for Financing Homes 58:44

5M ago58:44

58:44

Buying a home is often the largest purchase someone makes over the course of their lifetime so finding ways to do that as efficiently as possible could really benefit you financially in the future. Today we’re talking with Michael Bischof, regional vice president for mortgage lending at Guaranteed Rate, to get his expert tips and insight into finan…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 74: Year-End Retirement and Tax Strategy Planning 38:23

6M ago38:23

38:23

Are you prepared for year-end and tax strategy planning? This puts you in the best position possible before the end of the year to help maximize your retirement and minimize your overall tax burden. We can walk you through spousal IRAs, Roth conversions, and how to save on taxes for required minimum distributions. We’re also sharing the No. 1 more …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 73: Irreversible Retirement & Financial Decisions 29:14

6M ago29:14

29:14

There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. In this episode, we’ll explain why these important decisions can’t be undone. Here’s a little of what you’ll learn in this episode: Wall Street’s prediction of the stock market's direction is…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 72: Getting the Best Price Buying or Selling a Home with Realtor Lindsay Schulze 53:57

6M ago53:57

53:57

If you’re looking to sell your home, buy a home or buy a vacation home, today’s show is for you. Today we’ve invited a good friend and realtor, Lindsay Schulze, onto the show to get an update on everything that’s happening around real estate and to get tips on the best approach for today’s market. Here’s a little of what you’ll learn on this episod…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 71: Taxes on Inherited Real Estate, Roth Conversions & More – Mailbag Episode 35:34

6M ago35:34

35:34

Today we’re diving into the mailbag to answer questions from listeners just like you. We’re taking questions about taxes on inherited real estate, Roth conversions, and saving for retirement with irregular income. What we discuss in this episode: 3:02 – Most affordable states to retire 9:04 – Roth conversions 27:48 – Selling mom’s house Read more a…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 70: Planning For Retirement’s Uncertainties 25:04

7M ago25:04

25:04

There are many things we know we’ll have to deal with in retirement, but we don’t know how to predict when or to what degree. How do you construct a plan that deals with the unpredictability of these different factors? We’ll help you determine how. What we discuss in this episode: 4:10 – Life expectancy 7:50 – Stock market returns 11:15 – Tax rates…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 69: 7 Biggest Retirement Regrets 36:33

7M ago36:33

36:33

Most people have regrets in life, but you don’t want to make mistakes that mess up your retirement. About 26% of retirees are not happy with their lifestyle in retirement, so we’re going to learn from their mistakes. What we discuss in this episode: 6:41 – Diversifying investments 11:03 – Seeking professional help 15:02 – Diminished capacity 18:29 …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 68: How Will the Inflation Reduction Act Impact You? 25:05

7M ago25:05

25:05

The Inflation Reduction Act recently passed both houses of Congress and made a lot of headlines for what it’s supposed to accomplish. On today’s show, we’re talking about the bill and how it may or may not serve you, what it means from a tax standpoint and whether it will actually reduce inflation. What we discuss in this episode: 3:08 – Inflation …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 67: 3 Rules of Thumb You Might Not Want to Follow 33:40

7M ago33:40

33:40

Many rules of thumb are great to follow to help with your finances, but some rules are outdated and don’t align with current economic conditions. We’ll explain which rules to follow and which to leave behind. What we discuss in this episode: 4:01 – 75% rule 6:33 – Retirement spending smile 8:50 – Understand expenses 13:00 – Taxes 16:24 – Retirement…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 66: Is Your Investment Risk Helping or Hurting Your Retirement Plan 24:09

8M ago24:09

24:09

Everyone feels great about their investments when the market is growing and remaining strong, but how do you feel when things start to get choppy? Those fluctuations in the market can identify the people that aren’t truly comfortable with their portfolio risk because fear could push them to sell quickly. Here are some of the important things you’ll…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 65: Should I Put Money in a High Interest Series I Savings Bond? 30:11

8M ago30:11

30:11

Are savings bonds making a comeback? This conservative investment option has found new life this year thanks to an interest rate that’s approaching 10%. Should you be moving money into these government-issued iBonds as soon as possible? We’ll give you all the details on these bonds and make sure you’re aware of all of the fine print. What we discus…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 64: Transitioning Into Retirement… A Retiree’s Words of Wisdom 50:26

8M ago50:26

50:26

What does the transition into retirement look like? On today’s episode, Jim Manning will share his retirement story and the lessons he’s learned along the way. What we discuss in this episode: 5:08 – What were you doing prior to retirement? 8:31 – Were you working a lot? 9:24 – What age did you retire? 10:39 – Any other factors that made you retire…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 63: 10 Market Reminders - Don’t Let Emotions Ruin Your Retirement Plan 29:13

8M ago29:13

29:13

There’s no better time than the present to remind ourselves of some good investing fundamentals and themes that we see in the market. Right now, your emotions might be high due to the market being down, but we’ll explain how to handle the rollercoaster ride. Today we're sharing 10 market tips from Bob Farrell, who spent decades as the head of resea…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 62: Sorting Out What's Important About Legacy Planning 28:39

8M ago28:39

28:39

Most people realize that it’s usually best to have an estate-planning attorney helping them with their estate plan, but it’s also important for the financial advisor to be part of that conversation. On this episode, we’ll explore the role an advisor plays in the estate and legacy planning process and uncover some of the basic mistakes people often …

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 61: Picking Sides In Important Financial Debates 24:56

9M ago24:56

24:56

On this episode, we’ll pick sides of some important financial debates. From paying off your mortgage early to life insurance and more, we’ll share our opinions on these hot financial topics. What we discuss in this episode: 3:12 – Mortgage 6:18 – Life insurance 10:24 – Taxes 14:38 – Mutual funds 16:51 – Social Security 20:38 – Mailbag: Unused vacat…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 60: The Market and My Accounts Are Down. What Do I Do Now? 37:44

9M ago37:44

37:44

If current conditions of the stock market being down and your retirement investment accounts falling in value have you concerned, worried or even scared about your future, you’re not alone. Today’s episode is just for you. What we discuss in this episode: 3:48 – Stock market down 4:58 – Emotions 5:58 – Perspective 10:00 – Bear market 12:50 – Differ…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 59: Can I Retire in a Down Stock Market? 34:21

9M ago34:21

34:21

Can you still retire in a down market? With the stock market down and inflation up, that question is on a lot of minds. We’re going to talk about the factors involved in making this decision and how we help people like you determine the answer to this question. What we discuss in this episode: 3:10 – Business Insider article 6:00 – CNBC and USA Tod…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 58: Mailbag - Gifts to Kids, Long-Term Care, Retirement Age 36:28

9M ago36:28

36:28

Today we’re diving into the mailbag to answer questions from listeners just like you. We’re taking questions about retiring prior to the age of qualifying for Medicare, gifting to your kids and grandkids, having multiple IRAs and long-term care. What we discuss in this episode: 2:08 – Article: Planning to retire early 5:42 – Not old enough for Medi…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 57: 5 Things You Must Know About Decumulation To Retire Successfully 29:00

10M ago29:00

29:00

Are you nervous about shifting from saving money to spending it in retirement? If so, you’re not alone. Today we're sharing five things you need to know about decumulation, or the spending phase of your life. What we discuss in this episode: 1:58 – Good review on podcast 4:44 – Lack of support 9:18 – Fear of spending 13:45 – Risks become more numer…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 56: Can You Keep Putting These Financial Matters Off? 31:07

10M ago31:07

31:07

We’re all guilty of procrastinating from time to time. But today we’ll share some financial matters you want to be on top of and others you can take your time with. From taxes to debt, find out what you need to know about these money tasks. What we discuss in this episode: 5:28 – Deferring taxes 11:22 – Debt 14:59 – Estate planning 18:43 – Social S…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 55: How Should I Prepare for a Possible Recession? 47:38

10M ago47:38

47:38

Are we headed into a recession? That’s the question that’s on a lot of minds. On today’s show we’re going to make sure a recession doesn’t ruin your finances or retirement plans. We’ll also welcome retiree and investor Jim Manning to the show so he can ask questions, which are probably the same questions you have. What we discuss in this episode: 1…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 54: How We Handle Unreasonable Requests 23:06

10M ago23:06

23:06

In the retirement planning business, we occasionally get some unreasonable requests. We’ll do our best to accommodate everyone’s needs, but sometimes they just aren’t realistic. On this show, we’ll share some of the requests and tell you how to set proper expectations around your retirement planning. What we discuss in this episode: 4:21 – Bigger r…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 53: Lessons We Can Learn From Warren Buffett 27:23

11M ago27:23

27:23

What can we learn from billionaire Warren Buffet when it comes to our finances? He shares some key lessons and advice to keep our money on track for long-term financial success. What we discuss in this episode: 2:26 – Bankrate article 5:21 – Portfolio survival 10:20 – Value, not timing 13:45 – Productive assets 17:06 – Avoid speculation 21:41 – Inf…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 52: The Most Important Birthdays for Retirement Planning 41:56

11M ago41:56

41:56

You might not pay as close attention to your birthdays as you get older, but there are some ages that you need to be paying attention to. On this episode, we're sharing the most important birthdays in retirement planning. We'll take you through some of the key ages, why they are important and what you should be thinking about as you approach retire…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 51: Investment Terms You Should Know 38:30

11M ago38:30

38:30

There's enough financial jargon being used that even experienced investors get tripped up now and again. Today we’re going to talk about the investment terms you should know, what they mean and why they’re important to you and your financial future. What we discuss in this episode: 1:37 – Financial literacy month 6:32 – Stocks 13:39 – Bonds 17:45 –…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 50: Why Values-Based Financial Planning is Essential 33:38

11M ago33:38

33:38

Putting together a solid retirement plan isn’t just about dollars and cents. We need to determine what really matters to you. Today’s show is all about why values-based planning is so important. What we discuss in this episode: 2:27 – Digging deeper 5:58 – Family 11:20 – Faith 14:39 – Career 19:15 – Education 23:06 – Charity 25:57 – Fun 30:13 – Que…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 49: Forget Emotions, Stay Invested 37:58

12M ago37:58

37:58

Volatility isn’t fun. When the stock market is down, it really takes a toll on our emotions. Emotions lead people to do things that could ruin long-term investing results. Today, we’re sharing why you should stay invested. What we discuss in this episode: 3:15 – Market volatility 6:48 – Long-term investors 9:21 – Diversification 19:13 – Emotions 22…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 48: Murky Issues That Make Retirement Planning Harder 36:54

12M ago36:54

36:54

Low-interest rates, the cost of products going up, underfunded Social Security, and market volatility can really create some murky waters and make financial planning pretty difficult. We’ll share how to get clarity on your finances on today’s show. What we discuss in this episode: 1:23 – Pets 7:05 – USA Today article 10:56 – Income growth 18:45 – S…

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The Retirement Show: Your Life, Your Money with Scott Sierens

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Ep 47: Listener Questions - Roth Conversions, IRAs and More 37:21

12M ago37:21

37:21

Should you manage your own investments or work with an advisor? When should you do Roth conversions? Does having multiple IRAs make you diversified? These are all great questions we’ve received from listeners, and we’ll answer them on today’s show. What we discuss in this episode: 1:52 – Market Watch article 7:01 – Roth conversions 13:50 – Financia…

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