Will Trump and Biden debate before election day?  We hope!  🇺🇸  Will Uncle Sam happily take more of your retirement money than is technically required?  Maybe!   🤔   Will this married couple inform and be awkwardly entertaining on this episode?  Yes!   👩‍❤️‍👨   A listener question about RMDs leads to learning why we might owe more taxes on our retirement accounts than we realize. Greg also shares a story about someone's Roth conversion strategy that illustrates how some can be more efficient with taxes in retirement, with the right planning. Listen to find out how to begin exploring that path on this week's episode, TODAY!  Links referenced in the podcast: Test My Retirement

🌭 Yup. This episode is like a stomach ache, kind of. But hey, with some home remedies, it's worth a listen! Moody's Analytics found that regular American families are shelling out more moolah per month, paying a whopping $200 more for stuff than we did just a year ago! 😱 With money top of mind for all, Greg and Kristin look closer at this inflation thing and its sustainability, especially for retirees. Whether you’ve funded retirement with a 401(k), IRA, or OPERS... Every penny counts! And remember the "trial of the century" in the mid-90s? Well, O.J. Simpson is making headlines again with what some are calling "the estate battle of the century." Greg and Kristin are NOT estate planning attorneys. However, their experience lends some "takeaway tips" if you or someone you love is worried about probate. Link referenced in this episode: 👨‍💻 Legacy’s My Retirement Kit.  https://www.legacyretirementgroup.com/my-retirement-kit-request

🍔🍟 Thanks to their local government, California, fast food workers now earn a minimum wage of $20 per hour. Greg and Kristin explain how this could lead to increased use of technology and AI, resulting in fewer human employees. 🤖 They explore strategies for giving yourself a raise during retirement, and important financial conversations married couples should have before retiring. 💍 How do these topics about retirement affect you? 🤔 Schedule a brief conversation with our team ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

🧹 Greg and Kristin share actionable ideas to help spruce up your financial life this Spring! 🌼  Plus, learn if and when it makes sense to look into strategies that may help you plan toward a 0% tax bracket in retirement! (All situations differ). If you’d like a copy of the My Retirement Kit they mention to help you get better organized, CLICK HERE to download yours today!

The transition from working to retiring can feel uncertain for some. Find out what Greg believes is best to pair with a 401(k), 403 (b), or IRA. And it's not money-related! We'll also chat about the new concept on social media for so-called passive income. Then, after Greg’s mini political explosion 🤯, he and Kristin spotlight the importance of work-life balance. But NOT the Bernie Sanders way, which is attempting to force companies to reduce the workweek to 4 days without cutting pay or benefits for workers. 🤔  If that doesn't add up to you either, listen to this episode! How do these retirement topics impact you❓Schedule a brief conversation with our team ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

🚘 With so many on the road, we swap spring break stories and find out the wonderful reason the Taylors are skipping the travel chaos for now!  Greg then shares how one couple he recently sat down with knew exactly what they wanted to do in retirement: Buy a home in Florida! ☀️  Don’t worry, not everyone knows how they want to spend their time and money in retirement, yet. Listen for tips on how to approach planning for your lifestyle in retirement.  If you have questions about your retirement, schedule a brief chat with our team ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

After digesting the most recent State of the Union, Greg and Kristin share strategies investors may want to consider regarding retirement, social security, and even Medicare Part B and D during tax season. Then we’ll talk about the market and how many economic predictions were way off. And, does that mean we're NOT expecting a financial crisis as bad as the pundits projected? Greg points out what he believes should be the top priority when investing, and it isn’t predicting market volatility.  ❓ Questions about your situation? Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Greg and Kristin share how the tone and types of questions asked about retirement have changed over the last few elections, and how President Biden's canceling of $1.2 billion of student loan debt in February impacts us regarding future taxes. Campaign season is heating up, 🔥 and so is Greg!  Also, have you ever wondered why you put your money where it is? 🤔 If you're old enough to remember when bell-bottoms and bright color styles from the early 70s we originally a trend, this episode is for you!  🪩🕺  Greg and Kristin share why you should ask that question of yourself and your financial advisor, along with where your retirement income will come from when you need it. Have questions about your specific situation❓Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

🚀 America landed on the moon for the first time in about 50 years on February, 22nd. 🌚  Don’t worry, we didn’t know until after it happened either!  But a total solar eclipse happening on April 8th. 👓☀️⚫  We’ll pass along what we know (Ohio should have a good view!), and address how some feel retirement is so far out of reach that it's another galaxy away!  🚀  It’s true that the “plug and play” pension-led retirement of previous generations is pretty much over. The responsibility is now all on you. So, what do you do? Greg & Kristin share ideas that could help you at least get started with a plan, that’s based on you! 🧑‍💻 Questions❓Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Based on a couple's debate about how to handle a flat tire in the family car, you’ll learn a lot more about Greg & Kristin 👩‍❤️‍👨!  They’ll also share signs to watch out for in case your retirement plan needs a tune-up. ⚠️ 🔧  If future taxation of the next few decades is a concern, especially considering it could diminish social security benefits, this episode is for you!  Questions about your specific situation❓Schedule a quick chat with our team ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Bitcoin ETFs are one of the newest ways to invest, making it easier for investors to dip their toes into crypto if they desire. But should you? 🤔  By the time the news broke in January that the ETFs were available, investors had bid the price up by 155% for 2023!  🤯  Greg and Kristin share the 4 questions to consider before making any new investment or portfolio changes (especially something as volatile and new as Crypto). Plus, a discussion about the least amount of money it takes to retire!  Questions❓Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Just as one cannot solely rely on computers for driving, we shouldn’t rely solely on 🖥️ for retirement success. Yes, technology makes certain aspects of investing easier and more streamlined. However, Greg and Kristin share why human input is necessary to ensure your retirement plan is tailored to your life. They also discuss what to watch for on Wall Street and in the economic landscape, including the possibility of a pullback. You’ll also discover how one can potentially be more tax-efficient in retirement… despite our nation’s record-breaking $34 trillion debt! Have questions about your situation❓ Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Looking at the headlines, the new year has started with some layoffs. Some companies are cutting jobs simultaneously, while others make cutbacks in stages. Remember, every layoff or buyout is NOT the same. If you’re navigating an unexpected job loss, listen as Greg shares steps to take, especially about the decisions you’re facing with your 401(k) or pension… And figuring out if you can go ahead and retire, or need to re-enter the workforce. Questions❓ Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Does it matter if your advisors’ political mindset matches yours❓   We explore the importance of this alignment, especially in the context of ESG investing. Plus, diversification and recession are two widely used terms in the investment industry, and for good reason. Greg & Kristin also introduce a type of diversification that can be instrumental in mitigating the impact of a recession on your retirement savings, depending on your situation. Toward the end of this episode, they also share a moving story about the planning one couple did to achieve their version of the American Dream.   🧑‍💻 Questions❓ Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Weight loss shots and similar drugs are often talked about like they’re a magic bullet. So, this week we’re going to find out if there’s anything similar in the financial world for people having trouble figuring out how and when to retire, and how to approach that planning. 🤔   Then Greg and Kristin share a story of a listener with key questions about asset allocation and Roth conversions. Hear how they discovered that trying to be more tax efficient could impact other areas of this listener’s financial life, including Medicare Part B. Plus, why 80 might soon be the new 60, and why planning to live to age 100 may be a good idea!

⛽  A fueling station flashback leads to an interesting and touching customer service conversation with the Legacy team. 🤖  And with AI's popularity increasing, many wonder if it makes sense to possibly pay less for a robo advisor to manage investments for retirement instead of having a fiduciary financial advisor help. Greg and Kristin point out the pros and cons and share some options you may have with your 401(k), especially if you’ve left one or two behind at a previous employer. Listen to find out how taking more control over forgotten accounts might possibly pay off! 🧑‍💻Have questions? Schedule a quick chat with our team at your convenience ☎  https://www.legacyretirementgroup.com/schedule-an-appointment

Greg & Kristin ring in the new year realizing how fast the kids are growing up! 🤯 Then go through ways some are suggesting to recession-proof your retirement this year, including why they believe we should be cautious of using precious metals for protection. 🥳  The start of a New Year often inspires people to change a few things in their lifestyle, including sometimes adjusting their retirement date. What should you keep in mind if you desire to walk away from work in 2024? You'll hear some takeaway tips from Greg and Kristin on this episode!  Links referenced in the podcast: 👨‍💻 Legacy’s My Retirement Kit: https://www.legacyretirementgroup.com/my-retirement-kit 👩‍💻 Questions? Schedule a quick call with our team ☎️  https://www.legacyretirementgroup.com/schedule-an-appointment

🎄 Christmas is coming! After we share how our team is celebrating, you’ll hear how Greg felt a true calling to help people near and in retirement, along with what entrepreneurs should focus on for a successful retirement. They also address tax mistakes to avoid before the end of the year when it comes to taxes and retirement, and how having an income plan is key for ALL that retire.  ==================== 🧑‍💻 Schedule a 15-minute ☎️ call with our team if you have questions:  https://www.legacyretirementgroup.com/schedule-an-appointment

If retirement is on your horizon, listen as Greg & Kristin address the 5 steps to take if you’re hoping to retire in 2025, at least according to the Motley Fool. Most importantly they expand on why these steps are key. Then we stick with the number ⑤ by going through what Kiplinger says are “5 Ways to Help Fill Costly Holes in Your Retirement Plan.” Greg and Kristin illustrate why reading an article can't fix your retirement or fill income gaps by sharing a story of love and the unexpected. Listen to find out how planning can help deal with the unknown, even during the toughest of times.  👩‍💻 Schedule a 15-minute ☎️ call with our team if you have questions:  https://www.legacyretirementgroup.com/schedule-an-appointment

📺 After discussing the evolution of media consumption, Kristin reminds us to make sure we're receiving the value we're paying for in all aspects of life because every penny counts!  Then Greg answers a key question: How much money is appropriate to do some trading based on instincts if you’re near and in retirement, and desire to do a little DIY investing?   He also shares the story of a couple that set aside about $5 million for retirement. Don't let the number distract you. Listen to find out why the dollar amount doesn't matter as much as the efficiency of your retirement plan does, especially when it comes to taxes in retirement and achieving your goals after you stop working.  

After Greg & Kristin briefly discuss the great mail 📫 debate many couples deal with at home, we address dealing with how much the annual cost of health insurance coverage has risen. Then Greg & Kristin spotlight what it takes to be considered “wealthy” these days. Turns out it’s not just about the amount money people have saved in their retirement accounts.  👩‍💻Schedule a 15-minute ☎️ call with our team if you have questions:  https://www.legacyretirementgroup.com/schedule-an-appointment

Out the gate, Greg & Kristin take the time to reflect on how lucky we are to be American citizens, especially with what’s happening globally. They also discuss how common it is to roll your 401(k) into an individual retirement account (IRA) when changing jobs or retiring, AND why you should be cautious of possibly being exposed to poor investment advice. You’ll learn why the “fiduciary” standard of care is something you should ask about. Plus, with one of our favorite warehouses selling gold bars, does that mean we should buy some?

Greg and Kristin have their hands full with the kids heading back to school and managing the excitement of a new teenage driver! 🚘 After sharing a fun family story, they address a Bank of America survey highlighting the growing trend of people dipping into their 401(k)s for reasons beyond retirement. This speaks to the financial challenges many Americans are facing due to inflation, high credit card interest rates, and the broader economic landscape influenced by the Federal Reserve. Greg and Kristin share ideas to possibly help cope with these challenges.

Since there isn’t enough good news, we start this week by sharing Taylor Swift’s 💃 way of showing she’s grateful for her touring team's hard work 🚛. Greg reminds us of easy ways to keep the “good news” vibe going with simple acts of kindness in daily life. You’ll also hear ⑤ tips to consider if you want to stop working within the next 2 years. Plus, Greg & Kristin breakdown Warren Buffett’s outlook on America’s recent credit rating drop, and how he’s approaching Treasury Bills with his portfolio. And if a pension is part of your retirement income plan, listen to find out how increasing 🆙 interest rates can impact things like lump sum pension buy-outs.

The data shows inflation numbers coming down, but in the real world, we're not feeling it. That’s why Kristen takes the time to clarify the difference between disinflation and deflation, and which one we’re currently experiencing due to all the interest rate hikes. Greg reminds us that income planning should be based on the reality of higher prices, not just the monthly “data” we receive from the government. Plus, a story that reminds us why it’s key that your advisor listens to AND addresses YOUR concerns.  🔗 Links referenced in the podcast: 👨‍💻 Legacy’s My Retirement Kit 👩‍💻 Schedule a 15-minute ☎️ call with our team 👨‍💻 Test My Retirement

Ever wondered what you need to have handy to get a 2nd opinion about your investments and retirement plan? Greg and Kristin give tips on what to have handy to not only be better organized in general with your assets but to obtain a second opinion of your portfolio. It’s not just about dollars and cents. Your goals should be key! They've also made available a no-cost My Retirement Kit at no charge to help! And retirement means you’re on a fixed income in some fashion outside of social security. Since you start paying yourself for income when you stop working, they discuss the impact of inflation easing according to the Fed, shrinkflation, and if companies will/won’t drop prices or bring back services to pre-COVID life… Or, is this a new economy we need to embrace and plan around? 

Knowing that scientists have created lab-grown chicken 🔬+ 🧫 =’s 🐓 (we're not fans), reminds us of the changes in options and obstacles Americans face when wanting to retire but NOT run out of money. Greg & Kristin share the story of a couple that needed to fill a gap in their future income before they call it quits at work. Find out how their team of fiduciaries helped this couple figure out how to slightly tweak their current lifestyle so that with proper planning, they'll have enough money in retirement! Plus, they share tips on how to help figure out when and if long-term care insurance is something you should purchase. 

As a signal of summer’s start ☀️, Greg & Kristin’s youngest stops by for a few minutes this week! Then we discuss the rise in romance scams and red flags 🚩 singles should watch out for, and clear up some fear-based and misguided information you may have heard. 

So much to share this week! We start by sharing the latest news about America's fastest-growing sport: 🏓 Pickleball! - It’s not just for retirees to enjoy! Plus, many Americans have worked very hard, lived within their means, saved, and invested for retirement, but may still feel it’s not enough. Greg & Kristin remind us all that retiring isn’t simply about dollars and cents. To learn more about the charity Dare for More, ⬅ Click there.  📣 Quick warning: This episode contains a discussion of assault, child trafficking, and a charity that helps those victims, at about 15 minutes into this particular episode.

Apple AirTags are (sort of) helping to fight crime, and artificial intelligence is creating A LOT of hype and concerns, even in the entertainment industry. However, could AI be a helpful tool when creating a plan for retirement? Greg and Kristin share their unique perspective along with a very personal story that relates. They also examine the Fed’s latest interest rate hike to fight inflation... Why Greg thinks this could mean more bad news for bonds, and what tool they're sometimes suggesting for clients that have been rattled by the banking chaos but are seeking some safety. 

🍔 BIG changes are coming to one of the most popular burger spots, and thanks to President Biden and his administration, BIG changes have been implemented for all home buyers whether you have good or bad credit! 🏠  And with so many different opinions about the economy, inflation, and what the Fed may or may not do… We’ll dig into why the pundits aren't saying much about the stock market, and why wall street has been fairly flat lately. Plus, Kristin adds perspective to what one financial website says are the 5 big money purchases you’ll likely regret in retirement. Remember, everyone’s retirement is unique… so what’s ideal for your family may not be for others. 

To help retain losses, some online retailers are hoping to persuade consumers to make fewer returns. 📦 In fact, Amazon will begin charging a $1 fee for one return method but is still offering free returns in other ways. This gets Greg’s fiduciary brain focused on how we easily get fixated on the small ways we feel we’re losing value. However, when it comes to investments for retirement, we often don’t think about the fees we’re paying for some options in our portfolio, and if there’s true VALUE in that fee or not.  📚 We also embrace April being National Financial Literacy Month by  Greg & Kristin passing along financial tips! And when it comes to you’re 401(k), are you on track compared to the rest? 

🌎 There’s a new wealthiest person on the planet, but most middle-class Americans aren’t phased by that since we’re concerned about our own livelihood… Especially now that cutbacks are coming from non-tech companies due to concerns about a slowing economy. Find out Greg & Kristin'slogical yet positive outlook,and how you can hopefully financially best prepare for… whatever happens next. Then we address a question prompted by one of our listeners:  If my retirement accounts are down, does the blame fall on Biden? Greg & Kristin give their unobjective opinion how our nation got into this precarious economic position. 

With various global and political concerns along with inflation… For many, things just don’t feel right. Greg calmly reminds us that we need to be careful about what we watch and listen to, and make sure we’re able to discern what's real versus media hype. He also explains how to evaluate if it’s time for you to button up your portfolio based on your situation. 🤴 Plus, the King of England will soon be crowned, but we’ll find out if CASH IS KING in America since interest rates on some savings and money market accounts are looking pretty good these days. 

For many pessimism is growing due to global concerns, the banking chaos, AND the Fed following through with the 9th interest rate hike within a year! This week Greg & Kristin share ideas that could help calm some uneasiness, and hopefully better control what happens to the future of YOUR personal economy, portfolio, and retirement lifestyle. 🌷 Plus, they pass along financial spring cleaning ideas that might be helpful to you and your family! 🧹

The collapse of Silicon Valley Bank is the 2nd largest shutdown of a bank in U.S. history, and investors have felt mixed reactions from wall street. With many having 2008 flashbacks and general anxieties about the current economy, Greg & Kristin point out that panicking doesn’t help… But the right planning can! 🏀 Then we embrace the fun and pain March brings for college basketball fans! However, if you’re paying more attention to your NCAA bracket than you do your tax bracket, Greg & Kristin explain how that could add up to a larger and longer-term problem if you and your advisor don’t have a game plan for FUTURE taxes on your retirement accounts. 

Small businesses are a LARGE part of the American dream, but certainly not an easy path to put food on the table. Entrepreneurs are always looking for ways to improve the fiscal health of their companies. One strategy Greg & Kristin recently came across is called the Employee Retention Credit. It's a grant that became available through the Coronavirus Aid, Relief and Economic Security Act, but it allows businesses negatively affected by Covid to possibly receive a monetary benefit from the IRS for retaining employees during the difficult times of 2020 and 2021. As business owners themselves, Greg & Kristin share how you can explore this resource along with what to watch out for. Listen for tips on how ERC could potentially help you now, and maybe even help you grow by reinvesting in your business. 

After discussing the latest chicken choice and how it may not live up to all it’s cracked up to be 🤭  We discuss how one investment strategist is predicting more economic chaos, calling March a “high-risk month for the bear market to resume.” Greg & Kristin are here to be a voice of reason by simplifying how you CAN control your personal economy by planning and not giving into the fear and greed the pundits pontificate.  And with every penny counting (especially these days), we address the pink elephant in the room about future taxes on retirement accounts. Is a Retirement Tax Analysis and the planning that goes along with it mainly beneficial for those who’ve saved $1 million or more? Or can it also help those who worked diligently to accumulate a more modest nest egg? Greg shares a story illustrating why the answer is YES, depending on the individual situation. 

If you’re nearing retirement, are you aware of how BIG of a factor healthcare costs can be? Medicare isn’t always as simple as it seems, especially for couples planning retirement dates. Listen to find out why Greg has nicknamed this a “hidden tax” for retirees, and how you can be more efficient with your overall taxes in retirement.  Plus, with economic concerns increasing, Greg & Kristin explain how understanding what and how you’re invested can often help ease some anxiety about the stock market, along with knowing your true comfort level with risk versus return. We also spotlight how the talking heads are changing their opinions fairly quickly these days. 

Did you know more than half of Americans feel they have unofficially assigned seats throughout their home? We start this week by discussing how that works at the Taylor house! Then Greg & Kristin pull back the curtain and tell us how their Portfolio X-Ray process works, AND how long it takes for you to find out where you stand since many are being asked to make retirement decisions at work quickly. Plus, a key discussion as to if we experienced a recession last year and if another is on the way in 2023. 

With another rate hike from the Fed, we discuss how inflation has changed many of our habits, including going to the movies. Greg & Kristin talk about how they are helping their clients maintain their lifestyles despite inflationary times by planning for their specific needs and goals. Also, did you know politics regarding the environment and other hot-button issues could become part of your 401(k)? Environmental, social, and governance investment priorities (also called ESG) went into effect recently. Greg & Kristin spotlight how this allows asset managers to include socially conscious stocks in 401(k) plans. That doesn’t mean it’s happening to yours now, but listen to find out how this could impact the future of your retirement, but doesn’t have to.  

Many are looking at their 401(k)s and other retirement accounts and noticing their balance is lower than when 2022 began, but inflation is still here in 2023. Greg & Kristin discuss what those who are wondering if they can still pull off their own retirement when they’re ready should focus on. They also explain how market volatility is ALWAYS present in some way, and that’s why their team of fiduciaries focuses on planning as efficiently as possible for the unexpected. 

Sunday will be here before you know it, and it should be an intense game between the Eagles and Chiefs as they both eye the trophy! No doubt there will be a few penalties during the gridiron action. That’s why this week Greg and Kristin are sharing financial penalties and rules those near and in retirement should keep top of mind so that you don’t lose too much of your retirement money to Uncle Sam… but still pay your fair share of taxes in retirement. Listen to find out if you need to consider changing your personal game plan for retirement. 

We’ll reveal the latest inflation hit announced, this time from the postal service. Then we'll travel down memory lane to when we used to collect green stamps/trading stamps from grocery stores and save them for something special! Greg & Kristin then share their opinion about what investors need to consider regarding their retirement accounts as we continue into 2023. Plus, we discuss what the French government is doing to change the course of their citizens' futures by increasing the retirement age to help tackle their pension funding deficit. Greg and Kristin explain how they help their clients handle pension decisions, and create a true plan for retirement.  

Doesn't matter how small or large the fib is, we all hate being lied to under any circumstance. There have been quite a few headline-grabbing stories over the years about investors feeling or worse, being misled about their money. Greg and Kristin share the questions that may feel awkward to ask your current or potential new financial advisor... but that you NEED to in order to make sure your best interest is their top priority. We'll go ahead and give you the first tip now: Make sure they are a Fiduciary!

We’re doing things a little differently on this episode. Since Greg is busy with dad duty, Kristin invited Glenn Harper, CPA & Owner of Harper & Company CPAs along with Practice Manager Julie Smith to shed a different light on our financial conversation. If you’re an entrepreneur and could use insight about planning for your own retirement, along with a heads-up on mishaps small business owners should avoid, this episode is for you!  Plus, we’ll share the latest changes that could impact your RMDs (required minimum distributions) and the future of your taxes in retirement.

To start the New Year, Greg and Kristin spotlight their new no-charge online tool: TestMyRetirement.com. It’s a resource for those of you near and in retirement to gain more insight regarding your possible future tax obligations after you stop working... And to see if you could potentially be more efficient by making some adjustments. We'll share a story of a lady in her 70s who decided to try this new resource. Fortunately (and unfortunately) it made her realize her current advisor has never talked to her about having an efficient plan for her tax-deferred money. Greg and Kristin also share tips on what to keep in mind if it’s your goal to retire in 2023! And yes, the B-word… Budgeting is key to pulling it off successfully! 

Interest rate hikes are no longer just a burden on home buyers and consumer debt. Greg and Kristin reveal how much the federal government has made in interest payments on America's debt during 2022 alone. It’s another unfortunate reminder of why we need to stay on top of taxes when it comes to our retirement accounts. Then we flashback to the era of shopping “blue light specials” at Kmart and find out if there are any sales on Wall Street considering the recent market dips that investors may want to consider taking advantage of. Greg explains who should probably pay the most attention when it comes to taking advantage of those dips, and who should be more focused on the big picture of their retirement. 

Artificial intelligence has changed our lives in tremendous ways. Listen to find out one of the latest ways it’s changing the way Americans drive-thru for fast food. Greg and Kristin then discuss the pros and cons of how technology has changed retirement planning and investing, and what components they believe can’t be replaced by AI, and why.  

2022 has been a tough year financially with bear markets, rate hikes, and intense inflation. Greg & Kristin share some money-saving hacks that could possibly help reduce your grocery bill. Then Greg applies a similar mindset to investing and explains why the most convenient option isn’t always the most efficient for the long term. (If you have target date funds inside of your portfolio, this episode could be particularly helpful for you.) We’ll also discuss why inflation and longevity might shrink the well-known 4% rule down to the 1.9% retirement rule, but doesn’t necessarily have to with the right planning.