The Ramsey Show (February 4, 2022)




Living Without Worries: How to Save for Retirement

Knowing how to save for retirement is essential especially if you have set your plans and the time of your retirement. It is never too early to start saving even the smallest amount of money possible. In the long run, you will notice your investments growing, and the value of your assets increasing.

Financial Planning For Retirement Creates a Stable Future

There are many ways to save for retirement even though adults think of it as a tedious task. Financial planning for retirement is an excellent way to secure a stable future and will give you a sense of freedom and independence from being a burden to others. According to surveys and experts, over 75 percent of the working population in the United States is earning just enough to pay for their bills. Do you fall under this category?

Understanding Annuities And Find The Best Annuity Rates

Everybody should be familiar with the term annuities by now. It has become a very important concept, especially when it comes to pension annuities.

Types of Annuity Rates

There are two types of annuity rates available on the market. You can have good rates and you can have bad rates. This is determined by the choices you make when you are buying an annuity.

Plan Your Retirement Now

Legislation passed in April of 2011 significantly altered social security timing and benefit election options. Retirement planning has become a major subject of focus to the fairly new profession of financial planning. Retirement planning means the allowance of savings on the way to retirement life. It’s a life-changing determination. We look at retirement living preparation as experience of living technique which involves way of life alternatives in today’s present to aid funding the longer term.

TIPS and Inflation – Why Inflation Protected Securities Are Not Working for Retirees

There are reasons TIPS and Inflation are not a perfect match to protect your portfolio from rising prices and costs. The first reason should be fairly easy for the average person to see. Ask any person on the street today how much the price of a gallon of gas has increased today and they tell you, “A lot.” Ask Chairman Bernanke how much inflationary pressures he sees in his rate forecast and he has repeatedly said, “not much.” Who is right? The answer to that question will have a lot to do with where you decide to put your money in the coming months and years.

How Many Buckets Do You Need for Retirement?

Having the correct investment strategy in retirement is critical if your retirement savings are going to last. With average life expectancy now beyond 80 and people retiring in their 60’s or earlier it means our savings nest egg has to last us longer. In retirement you need at least 2 buckets to adopt a successful investment strategy in retirement. One to meet your short term income needs and the other to meet your medium to long term growth needs.

Studies Show Lack of Confidence Among Baby Boomers Planning for Retirement

With longevity and current living costs skyrocketing, millions of baby boomers planning for their retirement are concerned that today’s inflation is putting their retirement funds at risk. These risks include outliving one’s assets, loss of spouse, decline in functional status and long-term care and healthcare expenses They recognize that the key to success in retirement will be a combination of sound financial management and planning, healthy lifestyle habits and participation in social and recreational activities…

It’s Never Too Late To Start Saving for Retirement

The sooner you can put some money away, the sooner that money will start growing! If you can consistently contribute to your retirement account(s), you might just have a nice nest egg when you need it. Start small….say 5% of your income. Then, gradually bump it up if possible. Fortunately, there are several resources to help with growing your contributions besides Social Security…

Safety Options For Retirement Income Generating Assets

If you are looking for some safety options for your retirement income generating assets then keep reading. You should never risk your retirement income generating assets. Although the market is up right now there is no guarantee it will keep growing at its current rate or stay up.

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