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Episode 14 – Uncle Sam’s New Plan to Help You Retire



Uncle Sam’s new plan for retirees, the SECURE Act, is a real mixed bag.

In today’s episode, Sam Legaspi and Koz Tzukomoto discuss the SECURE Act’s proposed changes, which have potential for both good and bad outcomes. This is your chance to find out how this new plan could shake up your retirement planning. 

In this episode, you will learn:

  • The new rules included in the SECURE Act
  • How the new requirement to empty out your IRA within 10 years threatens the strategy to stretch it out
  • The positive and negative sides to the Act’s new 401(k) feature 
  • Some of the reasons for these changes
  • Why the new law that allows small businesses to band together to create a 401(k) plan for their employees is a good thing
  • How the proposal to push the required minimum distribution age from 70 ½ to 72 is good but only delays the inevitable

Tune in to learn about the upcoming changes proposed in the SECURE Act and how they may impact you. 

Resources:  Financial Liberty Project: 800-640-8105


Episode 13 – 7 Scary Retirement Stats



While this topic isn’t for the faint of heart, knowing these seven stats will help you plan for a secure retirement.

In today’s episode, Sam Legaspi and Koz Tzukomoto uncover seven scary retirement statistics that will move you to take action. This is your chance to learn from other people’s mistakes and plan for a happy retirement.

In this episode, you will learn:

  • Some of the changes that may occur with Social Security in the next few years
  • Whether or not Social Security is 100% taxable
  • Why the average age of retirement is scary
  • The dangers of withdrawing money from a retirement plan if you’re under 59 years old
  • The numbing yearly cost of health care
  • Why it is important to budget for fun
  • And more!

Tune in to learn what these scary stats are and how you can put your best foot forward!

Resources:  Financial Liberty Project: 800-640-8105


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Episode 12 – Exploring Your Real-World Money Thoughts



How do you approach the everyday thoughts you have about your financial situation?

For Sam and Koz, it is diagnosis first. In today’s episode, they take some real-world thoughts that different people have about their finances and diagnose what the possible underlying issues could be.

In this episode, you’ll learn:

  • Why it is important to have a financial philosophy
  • How sticking to your financial philosophy when faced with distractions can help you stay on track with your goals
  • Common financial issues that people may misdiagnose 
  • Benefits of using the right tools to understand your financial questions
  • And more! 

Tune in to join Sam and Koz as they dissect real-world thoughts that people have about their finances.

Resources:  Financial Liberty Project | Phone number: 800-640-8105

 


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Episode 11 – Six Things That Should Make You Go “Hmm”



What exactly makes a person go “hmm” in the midst of financial planning?

Sam and Koz begin today’s episode by answering a listener’s question about retirement planning, and then they move on to discuss six things that everyone should pay attention to in their financial planning.

In this episode, you’ll learn:

  • Why you should increase your life expectancy to 100 when creating your financial plan
  • What turnover looks like in your portfolio and why you should keep it a minimum
  • How hidden fees in some investment vehicles can increase your costs
  • Why relying on a single investment is a bad idea
  • What it means to have a tax-efficient strategy

Tune in to have your own “hmm” moments as you learn six things to watch out for in your financial plan.

Resources:  Financial Liberty Project | Phone number: 800-640-8105

 


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Episode 10 – The Science of Building a Portfolio



The process of building a portfolio isn’t like supergluing a model together. There is actually a science to it.

Today, Sam and Koz walk you through the metrics they use to build portfolios and explain what those metrics mean for you, as the investor.

In this episode, you’ll learn:

  • What the science of building a portfolio entails
  • What the water cooler mentality is and how it’s part of our human nature
  • Why some people find the science of portfolio-building difficult to understand
  • About each metric used to build portfolios and how they work individually
  • About the benefits of having these metrics in a portfolio

Tune in now to learn the science behind building a portfolio!

Resources:  Financial Liberty Project | Phone number: 800-640-8105

 


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Episode 9 – 7 Facts That Can Destroy Your Retirement Vision



According to statistics, retirement is not a life stage that many people are planning for.

Today, Sam Legaspi and Koz Tsukamoto discuss how people’s everyday choices can end up taking a bite out of their retirement vision. They also answer questions from workshop attendants about budgeting, pensions, and other not-so-obvious, but critical, retirement subjects.

In this episode, you’ll learn:

  • Effective strategies to gain control of your expenses
  • Whether you can actually rely on your pension
  • The overlooked detail that you must keep in mind about your pension
  • How understanding the ever-changing financial rules can positively affect your retirement vision
  • What a financial soulmate is and the importance of having one
  • The benefits of downsizing during retirement
  • And a lot more!

Tune in to this lively episode with Sam and Koz and learn how to protect your retirement vision!

Resources:  The Financial Liberty Project | Phone number: 800-640-8105

 


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Episode 8 – The Parallel Between Sports and Money



How exactly are sports and money alike?

Sam Legaspi and Koz Tsukamoto paint a picture of how these two are similar. More interestingly, they relate it to retirement and highlight which behaviors can destroy this stage of a person’s life. Then, they take it a step further to discuss how you can nip these behaviors in the bud.

In this episode, you’ll learn:

  • Major factors that can destroy a person’s retirement
  • The importance of self-discipline in curbing damaging money habits
  • What the lottery effect and homeless effect are
  • How you might shortchange yourself in benefits by choosing bifurcation of divorce
  • And a lot more!  

Tune in for another engaging and action-inspiring conversation with Sam and Koz!

Resources:  Phone number: 800-640-8105

 


Episode 7- Test Your Retirement IQ



Today’s episode is inspired by retirees who’ve told Sam and Koz that they would definitely make changes if they could turn the clock back 10 years.

Join your hosts as they talk about your Retirement IQ. This is your chance to test your retirement intelligence and figure out what you might want to do before you actually retire.  

In this episode, you’ll learn:

  • What the retirement IQ entails
  • How to raise your retirement IQ
  • Crucial questions you need to ask yourself in order to prepare for retirement
  • Actions you can take to become aware of your monthly living expenses
  • The importance of considering inflation effects when planning for retirement
  • And more!

Tune in now to test your Retirement IQ!

Resources:  Phone number: 800-640-8105

 


Episode 6- The 10 Biggest Mistakes People Make With Their Money



After many years in the industry, your hosts have heard countless stories — good and bad — about their clients’ money habits.

In this episode, Sam and Koz use these stories as inspiration to bring you the top 10 mistakes that people make with their money. These are the blunders that can make the difference between a successful retirement and an unsuccessful one.

In this episode, you’ll learn:

  • The essential financial call-to-action that most people ignore
  • How society has normalized one of people’s biggest money mistakes
  • Expenses most people don’t take into consideration when planning for retirement
  • How an impulsive decision can cost you greatly in your future retirement
  • And more!

Tune in now and learn about these common mistakes, so you don’t have to worry about making them!

Resources:  Phone number: 800-640-8105

 


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Episode 5- The Seven Rules of Financial Liberty: Part 3



The magic of retirement planning is hardly magic at all. It’s a matter of learning the rules so that you can win the game and achieve financial freedom.  

In this conclusion to their three-part series, Sam and Koz reveal the three final rules of financial liberty.

In this episode, you’ll learn:

  • How having a clear goal in mind will help you plan for retirement
  • Why it’s essential to know your number
  • About the relationship between The Rule of 72 and knowing your number
  • Strategies to go from forever-taxed to never-taxed
  • And more!

Tune in now and learn the most important rules to winning at life and wealth!

Resources:  Phone number: 800-640-8105 | Episode 4 – The Seven Rules of Financial Liberty: Part 2