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Roger Whitney: How To Rock Your Retirement (TAM Classic)

Table of Contents

Roger Whitney: How To Rock Your Retirement (TAM Classic)

Stan Haithcock

May 21, 2024

Roger Whitney: How To Rock Your Retirement (TAM Classic)

In this episode, The Annuity Man and Roger Whitney discuss:

The two retirement crises
Balancing on the teeter-totter
Before going into fancy tactical stuff
Focusing on what you can control

Key Takeaways:

There are two retirement crises: one is when people don’t have enough money to pay the bills when they can’t work anymore. The other crisis is for people with many resources and options but doesn’t know the right thing to do.
On the one hand, you should start having your best life today, and on the other hand, you also want to make sure that you’ll be alright when you live until 80 or 90. There’s tension between those two things, you’re standing in the middle of it all, and you have to cover yourself on both accounts.
Start with what you want, then create a strategy that will make that feasible. Make it resilient so that you don’t get knocked off course and get too fancy tactics.
Don’t waste your life trying to predict the future or reacting to every event. Instead, focus on things that will be useful to you, like building functional health - health that will enable you to spend time with family freely.

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"The majority of planning which feeds the mindset of this very uncertain world is always gonna default to denying today, and that’s not right because tomorrow isn’t promised to anyone. You gotta be a good steward. "— Roger Whitney.

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Connect with Roger Whitney:

Website: The Retirement Answer Man®

Facebook: https://www.facebook.com/pg/retirementanswerman/posts/

LinkedIn: http://www.linkedin.com/in/rogerwhitney

YouTube: Retirement Answer Man

Twitter: Roger Whitney, CFP®, RMA® (@Roger_whitney) on X

Book: Rock Retirement book — The Retirement Answer Man®

Podcast: A Top Retirement Podcast, with over 8 Million Downloads — The Retirement Answer Man®

Fun With Annuities Podcast is hosted by America’s Annuity Agent®, Stan Haithcock, The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle.

Listen in on how you can be livin’ the reality, not the dream. Listen and subscribe on Libsyn, Stitcher, Apple Podcasts, Google Podcasts, Amazon Podcasts, and Spotify.

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Life With Installment Refund Annuity Option

Life With Installment Refund Annuity Option

We're here to discuss the Single Premium Immediate Annuity structure, single life with installment refund. What the heck does that mean, Stan The Annuity Man? Well, I'm here to tell you, and I'm going to tell you, but I'm also going to talk about not only single life with installment refund but how it compares to all of the other structuring choices.

401(k) Annuity: How Does It Work?

401(k) Annuity: How Does It Work?

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. That's including yours. Today, we're talking about 401K annuities. Annuities inside of 401Ks, 401Ks going to an annuity. That's what we'll talk about, but let's digress a tad.

What Percentage of Your Portfolio Should Be in Annuities?

What Percentage of Your Portfolio Should Be in Annuities?

Let's talk about what you're interested in, which is what percentage of your portfolio should be in annuities? Really good question. No perfect answers. And if anyone's given you a percentage, they have no clue what they're talking about. Now that's the short answer.

Annuity Contractual Guarantees Are NOT Complicated: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Annuity Contractual Guarantees Are NOT Complicated: Shootin' It Straight With Stan

Today's topic is Annuity Contractual Guarantees Are Not Complicated. I know what you're saying, "Yeah, that's probably true, Stan." Well, then, why is everyone getting complicated sales pitches from agents and advisors about annuities?

5 Dumbest Annuity Questions According to The Annuity Man Part 2

5 Dumbest Annuity Questions According to The Annuity Man Part 2

Hi there, Stan The Annuity Man, America's Annuity Agent, licensed in all 50 states. I'm following up on what I was trying to finish the last time, which is the 10 dumbest annuity questions on the planet that have been asked to Stan The Annuity Man, the official scorekeeper of the annuity industry because I'm America's Annuity Agent.

Date the Annuity Rate…Marry Lifetime Income: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Date the Annuity Rate…Marry Lifetime Income: Shootin' It Straight With Stan

Welcome to Shooting It Straight With Stan. I'm your host, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. I am glad that you joined me for a topic that I have coined the phrase. I've coined this phrase, and it's being used across the country, which is a good thing because it's informative. It's easy to remember and explains a lot when it comes to the annuity category.

John Lenz: The State of The Annuity Union

John Lenz: The State of The Annuity Union

In this episode, The Annuity Man and John Lenz discuss laddering MYGAS, reasons for buying a QLAC, suitability regulations and more.

Long-Term Care Annuity: How Do LTC Riders Work?

Long-Term Care Annuity: How Do LTC Riders Work?

Old age is tough; old age is terrible. I always tell people with long-term care when they can't do two of the six daily functions in life when they qualify for it, which is feed themselves, clothe themselves, and bathe themselves; I mean, life stinks. Am I right? Does life stink when you can't do that?

Annuity Inside a Roth IRA

Annuity Inside a Roth IRA

Hi, I'm Stan The Annuity Man, and I'm glad you're here. Me and you, we're going to talk. So, focus, it's just me and you talking about, can you have an annuity inside of a Roth IRA? The short answer is yes, but I want to dig deeper into that and give you some examples of how it would work.

Why Do Financial Advisors Hate Annuities?

Why Do Financial Advisors Hate Annuities?

Hey, Stan The Annuity Man here, America's annuity agent, licensed in all 50 states, number one educator out here, and I do sell annuities if they're appropriate and suitable. The question you have, which is a question that should be asked more often, is why do financial advisors hate annuities? You didn't say why do all, but why do too many of them hate annuities? That's a good question.

Annuity Beneficiary

Annuity Beneficiary

Today's topic is about annuity beneficiaries. You are either thinking about who the beneficiaries should be on your policy or you are the beneficiary of a policy. Either way, we're going to talk about annuity beneficiaries and why that's important, regardless of whether you are the beneficiary or if you're thinking about listing beneficiaries.

All Annuities Are…: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

All Annuities Are…: Shootin' It Straight With Stan

Today's topic is a great one, and you probably saw it and went, "I'm going to have to listen to this one because I want to see what he's going to say." And the topic is "All Annuities Are..." I'm going to give credit to this topic to a good friend of mine. His name is John Olsen, and he's a treasure to the annuity industry.

Jack Lenenberg: Long Term Care & Rising Interest Rates

Jack Lenenberg: Long Term Care & Rising Interest Rates

A standalone, traditional long-term care insurance works just like health, auto, or homeowner insurance. You own a policy, and if you need long-term care, the company will pay the benefits, and you will stop paying premiums.

Long-Term Care Annuity Pros and Cons

Long-Term Care Annuity Pros and Cons

We're going to talk about long-term care annuity pros and cons. We're going to get into that. The short answer to you, the pro, is that you will have that coverage. It's a transfer of risk that you can depend upon. Just like any annuity-type plan, it's a transfer-risk contractual guarantee.

How To Set Up Your Own Pension

How To Set Up Your Own Pension

The question is, how do I set up a pension income? It is a really good one because with 10,000 baby boomers retiring every day, a chief demand I get is, "How do we set up this pension income? We need more income guaranteed like Social Security." That's what annuities do, and we will talk about that.

Is It a Good Time to Buy an Annuity?: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Is It a Good Time to Buy an Annuity?: Shootin' It Straight With Stan

Today's topic is a good one and a question that I always get, so let's address that now. Is it a good time to buy an annuity? Now, that's a loaded sales question. Most salespeople are an automatic yes, "Yes, it's a great time to buy an annuity. My annuity, the one I like." But it's bigger than that.

Guaranteed Lifetime Income Products

Guaranteed Lifetime Income Products

Hi, I'm Stan The Annuity Man, America's annuity agent. You own an annuity for what it will do, not what it might do. You own it for the contractual guarantees only. Never buy an annuity for the hypothetical, theoretical, back tested, projected, agent hopeful return scenarios, meaning juice numbers, because that never happens.

Ventilator Annuity Lifetime Income: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Ventilator Annuity Lifetime Income: Shootin' It Straight With Stan

Welcome to Shooting it Straight with Stan. I am your host Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's topic is a good one. It's the reason you clicked because you read it and you went what? Ventilator annuity lifetime income.

Stan The Annuity Man: The Only Thing Complex About Annuities Are the Sales Pitches

Stan The Annuity Man: The Only Thing Complex About Annuities Are the Sales Pitches

This is a simple, simple industry with simple, simple solutions. The people that are making it complex are the agents and advisors selling the products in a complex way, instead of stripping it down to the basics.

Can You Buy an Annuity Inside an IRA?

Can You Buy an Annuity Inside an IRA?

Today, we will discuss whether you can buy an annuity inside your IRA. Many people are out there who, when they hear that, just go crazy and say, "You should never buy an annuity inside of an IRA." That's just complete and utter garbage. And you can take this blog and shoot it to your financial advisor if they're the ones who said that.

Annuity in Financial Management

Annuity in Financial Management

Hi there. Stan The Annuity Man. Americas annuity agent licensed in all 50 states, talking about annuities or annuities in financial management, annuities in your financial plan, and annuities in your financial portfolio. Does it fit? Why does my master of the universe, stockbroker, wealth architect person almost do a projectile vomit when you bring up an annuity?