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Planning for retirement is a big deal, and it does take some time, strategy, and intentional action, especially if you’re in or nearing your fifties! Unfortunately, most people spend more time planning their yearly 1-2 week vacations than they do their 30+ year retirement. Then, the “How much money do you need to retire?” question starts to feel overwhelming and confusing. It doesn’t have to be that way. With Danette Lowe and the Ready to Retire podcast, you can take small, simple steps now ...
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Retirement isn’t the end—it’s the beginning of a new adventure! In this episode, we explore how to bring passion and purpose into your next chapter. Learn six practical tips to stay engaged, turn interests into meaningful activities, and create a fulfilling retirement on your terms. Whether you're nearing retirement or already there, these strategi…
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Budgeting for retirement doesn’t have to feel overwhelming! In this episode of Ready to Retire!, I’m sharing practical strategies to help you manage your income in retirement—without sacrificing the lifestyle you’ve worked so hard to build. Many retirees worry about living on a “fixed income,” but I encourage you to think of it as a flexible income…
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Easing Sibling Tensions when Settling Your Parents Trust
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19:42
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Losing both parents is a challenging time, and managing the family estate as the successor trustee can feel overwhelming—especially when sibling tensions arise. In this episode, Danette shares a step-by-step guide to settling an estate, from obtaining death certificates to distributing assets, and offers five practical strategies to ease sibling co…
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5 Fun Ways to Boost Your Pre-Retirement Income
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Are you looking for fresh ways to boost your income before retirement? In this episode, we explore five fun, practical ways to add to your cash flow without taking on the weight of a second job. Whether you’re saving to retire early, dreaming of shifting into a passion project, or just want a bit more financial freedom, these tips can help you get …
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How to Calculate Needs in Retirement for Couples and 5 Key Savings Strategies
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Today we dive into the crucial topic of retirement planning for married couples. With the challenge of harmonizing two different perspectives on retirement, this episode offers valuable strategies to increase savings and ensure a comfortable retirement… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.tru…
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Tax-Free or Tax-Deferred? Roth vs. Traditional IRA, Which is Better? | Ep 28
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Traditional IRA vs. Roth IRA – Which one is better? In this episode, Danette explores the decision between investing in a Traditional IRA, which offers immediate tax deductions but taxes gains upon withdrawal, and a Roth IRA, which doesn't provide tax deductions on contributions, but offers tax-free gains. Click here to Download Your FREE “3 Steps”…
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Ways to Reduce the Financial Stress of 5 Major Life Transitions
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In this episode, we explore practical strategies to alleviate the financial strain that often accompanies five major life transitions: Relocating to new places Navigating career or job changes Managing finances through relationship shifts Coping with unexpected health events Finding stability during times of loss or grief. Tune in to discover exper…
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10 Simple Tactics to Grow Your WEALTH in Your Free Time
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Don't miss out on these easy steps that can make a big difference in your financial journey. Uncover practical strategies, in our 1 YEAR Anniversary Episode, that can boost your wealth while fitting into your busy schedule. The episode explores hidden wealth-building gems to help you achieve prosperity. Click here to Download Your FREE “3 Steps” to…
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Reducing Investment Risks: Inflation, Interest Rates, Overspending & 8 Retirement Protection Strategies
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In this exciting episode, we'll be delving deep into the risks of long-term investing and equipping you with eight powerful strategies to reduce them. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How w…
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Before You Cash In: 6 Essential Tips to Maximize Your Social Security Benefits
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15:59
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In this episode of the Ready to Retire! podcast, host Danette Lowe CFP®, shares crucial tips to maximize your Social Security benefits and ensure a financially secure retirement. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an E…
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Primary Beneficiary vs. Contingent: An Easy Financial Planning Checkup to Protect Your Family
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In this episode, I discuss the often overlooked but crucial aspect of financial planning – conducting a beneficiary checkup. Many people neglect to review and update their beneficiaries listed on various accounts, which can lead to unintended consequences. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.…
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Inflation and Your Retirement Plan – How to Cope with Rising Costs and Keep Your Savings Safe
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15:32
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Discover expert strategies for protecting your retirement plan in times of high inflation, including tips for diversifying your portfolio and building a solid financial plan… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC …
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Banking Secrets Uncovered: Staying Safe with FDIC Insurance & Insider Story from the 2008 Crisis
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16:19
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Empower your financial journey by understanding FDIC insurance, protecting your assets, and learning from the past… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You Spend Your Time? Step 2: Id…
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Retire with Confidence: 9 Mistakes to Avoid in Your Financial Planning
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11:19
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Retiring soon? We discuss the 9 most common Financial Planning mistakes and How to AVOID them. Plus, bonus advice on choosing an advisor… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You Spend…
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The Power of Planning: 5 Key Benefits of Having a Financial Plan
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Discover the 5 benefits of financial planning and follow the 6-step process to achieve financial goals, reduce stress, and secure your future.… Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retirement Step 1: How will You…
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Navigating the Key Financial Milestones of Your Retirement Journey
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Where are you in your financial journey? Whether you’re just starting to save for retirement or already have your retirement party scheduled, take some time to review how to make the most of where you are right now to avoid future problems. In this episode, I outline four important phases of your financial journey and how to prepare for retirement …
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Tax season is fast approaching, so it’s time to ensure your finances are in order. In this episode, I address the common confusion between taxable and tax-deferred accounts as well as 3 income tax blunders you definitely want to avoid. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/ne…
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First Look at The Secure Act 2.0: NEW Retirement Planning Strategies
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In this episode, you’ll learn four key pieces of information from Secure Act 2.0 and how they are beneficial to you right now, including a significant update to the new IRA Beneficiary rule from Secure Act 1.0. The changes made in this new law greatly impact how you should plan for retirement, so through this episode, I will give you tips on how be…
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Even if your children aren’t set to receive an inheritance, they must be educated about money if you want to increase their chances of becoming a financially successful adult. In this episode, I describe nine strategies parents can use to help kids understand how to get the most value out of their money. Click here to Download Your FREE “3 Steps” t…
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5 Key Considerations for Early Retirement
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If you’re considering retirement before the age of 60, there are a few key things you must consider to ensure you’re financially prepared. You need to have an understanding of how your age will affect your social security payout, how you plan to pay for health insurance, what penalties you may incur for withdrawing early from an IRA, and what the u…
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So often when people think about financial goals, they believe money deserves the most attention, but in reality, it’s the end result that’s the center of your goal. Whether that result is a special experience, like traveling to a bucket list destination or visiting family every year, or perhaps something you’ve wanted forever like your dream home …
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In a recent survey, 43% of Americans admitted they simply guess when it comes to how much income they will need in retirement. Rather than leave it to chance, it’s imperative to think about how you want to spend your time in retirement to have a solid understanding of how much money you’ll need in the future. Creating a wealth vision board is an ex…
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With the holidays comes a season of giving, and sharing your wealth with those you love or causes you hold dear to your heart can make for a pretty fantastic, maybe even life-changing, gift. You can help a loved one purchase their first home, pay for college, or ensure the charity of your choice receives a boost in funding. In this episode, I share…
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If you build a healthy habit of saving, you will have more control over your finances. You can start with small changes and watch the savings add up! In this episode, I lay out some of my favorite savings hacks I’ve learned from different clients over the years. These hacks can easily be implemented to help you start building a habit that helps you…
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There is no one-size-fits-all answer to the popular question of whether or not to pay off your mortgage. Instead, it’s helpful to get clear on what makes the most sense for your current and future life by considering your goals, values, wishes, and desires, and where you want to be in the next 5, 10, or even 50 years. In this episode, I offer an ea…
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How to Make Better Financial Decisions – What are Your Biases?
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Are you familiar with different types of biases and which ones influence you the most? Whether you realize it or not, biases influence how you make financial decisions. In this episode, I break down some of the key biases that most often impact our minds when we’re deciding whether to save, invest, or spend. It’s important to remember biases are co…
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Four Phases of Your Financial Journey – Which one are you in?
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Planning for the future doesn’t have to cause fear or anxiety. But how much money should you save now to live comfortably in the future? In this episode, I dive into my tried-and-true framework called the “Four Phases of Your Financial Journey” to help you understand what financial decisions you can make now to better prepare for tomorrow. I’ve use…
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The Key Lesson to Learn in Preparation for Retirement
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Simply spending less money than you make is the secret ingredient to budget success, in life and especially in retirement. But why is it so difficult for us to spend less than we earn? In this episode, we’re going to talk about how to avoid overspending. There are several recurring themes individuals seem to ignore. I’m hoping to raise awareness ab…
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What would happen if you fell victim to online scammers? As we prepare for retirement, we’re doing all the things to secure our savings, line up legal documents, and prepare for the next 30+ years of adventure and freedom. Online scams are becoming more prevalent and falling victim to these scams could definitely throw all our well-laid plans compl…
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Part 3: Planning your Epic Retirement - Connecting it All Together!
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The best route to retiring with confidence is to plan for the lifestyle and activities your want and organize your own retiree cash flow around funding those dreams. Part 1 walks you through the thought process to planning the lifestyle you want during your retirement years. You can create a vision board, journal, or simply visualize where you envi…
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Part 2: Planning your Epic Retirement - Most Common Forms of Income
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Whenever you consider what your life will look like in retirement, I’m sure travel, time with family, and other joyous freedoms come to mind. It’s important to consider, however, where your cash flow will come from during those retirement years. In the last episode, I encouraged you to dream. We walked through outlining what you’ll do with your tim…
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Part 1: Planning Your Epic Retirement - What Will You Do With Your Time?
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“All you have to do is imagine the things you want to do and make them happen.” Planning your epic retirement is a three-part series that will assist you in making the necessary preparations so that you can enjoy the retirement of your dreams. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealt…
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When you're approaching retirement, what do you do if the market suddenly drops? When it comes to financial planning, this has been the most challenging scenario by far. Click here to Download Your FREE “3 Steps” to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup What’s included: 3 Steps to Planning an EPIC Retir…
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Are you Ready to Retire? Have you saved enough? At what age should you retire? These and many more questions are probably swirling around in your head any time you look at your investment accounts or think about your 401k, pension, or social security. Or maybe you’re just tired of working and wondering when you’ll be able to quit confidently! With …
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