RL122 – Healing from the Past with Jeff Konfara On the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Jeff Konfara, a Licensed Professional Counselor serving the entire State of Michigan via telehealth services. Jeff provides counseling services to individuals, couples, and families and has been doing so for over 15 years. They talk about why people seek counseling, what to look for in a counselor, and the tell-tale signs you might need t

RL121 - Walking the Way of St. James with Greg Alexander Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson welcome Greg Alexander, a retired chemical engineer who recently tackled the El Camino de Santiago pilgrimage. They discuss the benefits of going on the pilgrimage, how to prepare for it, and the best times to tackle the voyage when there’s less traffic. [10:41] Getting to Know Greg Alexander [03:30] Why Greg Wanted to Go on the Ca

RL120 - Generosity and Charitable Giving with Jeffrey Wallace Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Jeff Wallace, the Vice President and Relationship Manager for National Christian Foundation, a non-profit organization that assists donors in donating to charitable causes. They talk about the benefits of charitable giving, how donor-advised funds operate, and how generosity can lead to real happiness in life. [01:50]

on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the investment opportunities available during a down market. They discuss shorting a stock during market lows, the best times to rebalance your portfolio, and wealth transfers during a recession. [03:40] Investment Opportunities During a Down Market [05:25] Shorting a Stock During Market Lows [08:38] Dos and Don'ts of Shorting a Stock [10:30] Bonds in the Low-Interest Environment [1

RL118 - Stock Market Declines: What Should You Do Now? Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the 2022 market decline and possible responses. They break down how the markets typically respond to historical declines, the role of inflation in market volatility, and how to handle volatility in retirement. [05:01] The Stress of Market Volatility [08:30] Market Volatility and Historical Comparisons [12:04] Historical De

RL117 - Special Needs Planning with Ken Piercey, JD Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk to Kenneth Piercey, a Trust attorney specializing in proper estate planning, estate tax elimination, asset protection, special needs planning, probate, and Medicaid. They talk about special needs planning, the benefits of setting up a third-party special needs trust, and how to avoid the scary possibility of guardianship. [01:24] G

RL116 - Navigating the New IRA Required Minimum Distribution (RMD) Maze Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about the new IRA rules on required minimum distributions (RMD). They dissect what has changed, who is affected, and some smart planning steps you could take to minimize the tax hit, both in your own lifetime and for your heirs. [03:56] The New IRA Rules on Required Minimum Distributions (RMD) [07:12] Roth Conve

RL115 - The Fed, Mortgage Rates, and Home Price Expectations Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about how rising interest rates will affect home prices in the US. They discuss how the Fed uses low-interest rates to combat inflation, the best economic environments to buy a house, and the historical average mortgage rates in the US. [04:40] Fed Rates and the Low-Interest Rate Environment [08:25] How the Fed Uses Intere

RL114 - Best Password Manager On the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson break down some of the leading password managers and explain why it might be a good idea to have a password manager. They talk about the reasons why most people don't have a password manager, the risks of reusing similar passwords, and the best password managers for business or family use. [04:30] How to Hack-Proof Your Passwords [06:40] Top Brands in the Password

RL113 - Investing when inflation runs hot Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson break down strategies investors can use to invest even when inflation is running hot. They talk about peak inflation, investment options during peak inflation, and the gold versus bitcoin debate during times of inflation. [02:55] What is Peak Inflation? [05:55] Inflation and What to Expect in 2022 [08:33] The Long-lasting Effects of Inflation [12:09] Central

RL112 - Saving for retirement may get easier—SECURE Act 2.0? Today on the Retirement Lifestyle Show, Erik Olson and Adrian Nicholson break down the new features of the proposed SECURE Act 2.0. They discuss how the act will improve retirement planning, the potential tax consequences to expect from the plan, and the best times to increase your catch-up contributions. [02:52] The SECURE Act 2.0 [06:05] Required Minimum Distributions in The SECURE ACT 2.0 [07:24] What is a Requir

RL111 - Dealing with difficult times. Inflation, Rate Hikes, War Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson talk about how today's investor is handling the Ukrainian war, rate hikes, inflation and other major threats targeting their portfolio. They discuss supply chain concerns, how to make portfolio adjustments during uncertain times, and the link between rate hikes and high inflation. [05:10] Investing During Uncertain Times [0

RL110 - Tax planning: Game Winning Strategies! Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through targeted topics to help you win in this year’s tax season. They talk about the common tax scams to watch out for in 2022, efficient tax location strategies, and the benefits of using a defined benefit retirement plan. [04:50] What Is Asset Location? [07:20] Understanding Efficient Tax Distributions [10:45] Top Asset Location Oppor

RL109 – Fed Effects, Hormesis, and Investment Expectations Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson add another episode installment to the “Bring Your Own Topic” series. They talk about how Fed policies influence market movements, how stress can actually be a good thing, and why predicting the profitability of a stock is never that easy. [03:10] Breaking Down the Fed’s Primary Mandate [06:28] How does Fed Policy Influence the M

RL108 – Are we in a stock, bond, and real estate bubble today? Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect Jeremy Grantham's publication on the US Super Bubble Extravaganza. They discuss the similarities between previous market crashes and the current market environment, the economics of the Fed Put, and what a super bubble burst would do to your retirement plans. [01:44] Are We in a Super Bubble? [08:20] Stats That Define

RL107 – Behavioral Finance Explained: How biases can harm your investing Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson breakdown behavioral finance and how it affects our investment decisions. They discuss the common behavioral biases you should be wary of, the sunk-cost fallacy, and the benefits of having a long-term approach to investing. [01:41] Behavioral Finance and Personal Biases [05:36] How the Markets Can Affect Mood [12:57

RL106 – How does war impact the stock market? Today on the Retirement Lifestyle Show, Roshan Loungani and Adrian Nicholson talk about how the markets behave in response to wars and conflicts. They analyze market trends in response to the Ukraine-Russia conflict, fed policies during times of war, and why time horizons are crucial for investing during uncertain times. [04:10] How Conflicts and Wars Affect the Markets [08:10] The Markets Hate Uncertainty [10:27] How the Markets

RL105 – Modern Monetary Theory with Luigi Zingales and Bethany McLean Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson debunk The Modern Monetary Theory (MMT) with Bethany McLean and Luigi Zingales, the hosts of the Capitalisn't Podcast. Bethany is Vanity Fair's contributing editor, while Luigi is a world-renowned economics professor. [03:50] Modern Monetary Theory Debunked [09:10] Printing Money and Inflation [11:06] Modern Monetary T

RL104 – How To Freeze Your Credit Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson dissect credit freezes and explain why they are among the most effective anti-fraud strategies available today. They go through the benefits of executing a credit freeze, the difference between a credit freeze and a fraud alert, and the downside to freezing your credit. [06:40] Backstory to Today's Topic of Discussion [11:24] What is a Credit Freeze? [14

RL103 – Battle of the Plans – Software Edition Today on the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson use their complex financial planning software packages to analyze a hypothetical retirement plan. They go through capital market assumptions, the benefits of budgeting in retirement, and how life expectancy influences retirement spending. [04:39] The Tools and Assumptions Erik Used for His Retirement Planning [07:57] Client Profile for Our H