My Retirement Clarity with Lee Perkins

Ep 95: 4 Common Retirement Questions About Taxes

Nobody enjoys taxes, especially while they’re working because they eat into so much of our paycheck. But what about retirement? How should we be planning for taxes when we’re no longer working?
That’s the topic for this episode of the podcast and we’ll dive into it by addressing four of the most common questions we get from pre-retirees or those that just recently retired.
Here’s some of what you’ll learn in this episode:
Will you have as many deductions in retirement as you do while you’re working? (1:27)
Are all of your retirement accounts taxed the same. (4:41)
Should you move to an income tax free state? (7:15)
Is there a way to get tax-free income in retirement? (10:47)
 
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
 Get more financial education at http://myretirementclarity.com

Ep 94: Rookie Mistakes Experienced Investors Make

In this episode, we’ll cover some of the top rookie mistakes we see people make, and illustrate how to avoid them or how to fix them if you’ve already made some mistakes in your financial life. Plus, we’ll tell you about a recent trip we made to the golf course that included a hole-in-one.
Here’s some of what you’ll learn in this episode:
How investing without a purpose becomes a problem. (3:26)
Why we often find that people don’t know how much risk they have in their portfolio. (6:45)
Emotions are one of the major causes for investment failure. (11:48)
Are people being transparent with their ‘hot tips’? (15:39)
There are fees associated with investing and you need to be aware of this. (18:40)
 
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
Get more financial education at http://myretirementclarity.com

Ep 93: Retirement Spending Strategies for 2023

Most folks enjoy spending money, and it’s pretty easy to do when you’re working because that paycheck gives you a safety net. But how do you spend money in retirement in a way that gives you the best chance of not running out of money? Today we’re going to give you four retirement spending strategies that you might want to consider.
 
Here’s some of what you’ll learn in this episode:
We break retirement expenses up into two categories. (1:30)
The inflation-adjusted spending strategy. (4:46)
The spending smile method. (9:11)
The floor and ceiling method. (13:02)
The retirement guardrails strategy. (14:30)
 
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
 Get more financial education at http://myretirementclarity.com

Ep 92: Financial Lessons We Can Learn From College Football

The final two weeks of this 2022 football season have been incredible for Georgia fans, but every college football fan had to enjoy the semifinals of the College Football Playoff.
As we were watching all this football during the holidays, we started to realize that there are some really great lessons we can take from the sport so many of us love. So we started compiling them over the past couple of weeks and pulled together five we wanted to share on the podcast.
Here’s some of what you’ll learn in this episode:
You are responsible for you. (2:01)
Never give up no matter the circumstance. (5:54)
Be gracious in defeat. (9:11)
Be with others. (10:48)
Life is precious. (12:55)
 
Want to set up a meeting with us? Visit us here: http://talkwithlee.com
 
Get more financial education at http://myretirementclarity.com

Ep 91: Listen To This If You Need Help Understanding Your Financial Statements

Have you ever opened the mailbox to see you have gotten a financial statement, just to toss it in the ‘shred’ pile? Most people have.
In this episode, we will cover important parts of your financial statements so you understand what you are looking at amidst all of the fine print.
Here’s some of what you’ll learn in this episode:
How reliable are income projections on financial statements? (3:26)
Understanding your asset allocation summary. (6:10)
Are all of your fees disclosed on your statements? (8:27)
What you could be missing in the fine print… (11:15)
Want to set up a meeting with us? Visit us here: Talk With Lee

Ep 90: 7 Money Resolutions For 2023

This is the time of year when everybody puts together various lists, whatever the list may be. A lot of times these lists are interesting and helpful, but others are really just marketing tactics.
Last year we did an episode “22 Resolutions for 2022”. This year’s list will consist of 7 financial resolutions that apply to everyone. If you do these seven things, you should notice a difference in your financial situation in 2023.
Here’s some of what you’ll learn in this episode:
Do you have text alerts set up for your credit cards? (4:10)
Do you know what you spend monthly? (7:13)
Do you have an income plan for after death? (15:26)
Want to set up a meeting with us? Visit us here: Talk With Lee

Ep 89: The Top 5 401(k) Mistakes You Need to Avoid

Saving in your 401(k) can be an easy and painless way to build your retirement savings. But because it’s so easy and painless, it can also be easy to ignore for long periods of time, which often leads to mistakes. We’ll cover at least the top 5 mistakes people make in their 401(k)s.
Here’s some of what you’ll learn in this episode:
If you have changed jobs, listen here. (3:02)
Are you rebalancing your 401(k)? (5:57)
Are target date funds a no-brainer, or should you pass on them? (9:52)
Want to set up a meeting with us? Visit us here: Talk With Lee

Ep 88: 24 Things I’m a Big Fan Of

We all have likes and dislikes. As we get older, many of us find more and more things we tend to not be a big fan of, and it can be easy to fall into a negativity trap.
With that in mind, I decided to spend some time thinking about the things I am a big fan of. In this episode, I will be sharing some of my favorite things with you, some financial, and some not. As you listen, try to make a list of your own!
 
Here is some of what you’ll learn on this show:
Plan ahead of time so you retire while you can enjoy it. (2:13)
Let’s talk trucks. (4:20)
Why you shouldn’t check your retirement accounts daily. (10:29)
Three of my favorite Christmas movies. (12:44)
Want to set up a meeting with us? Visit us here: Talk With Lee

Ep 87: Making Smart Decisions During Major Life Events

Everyone makes poor decisions at some point in their life. Big life changes can make the chances of a mistake higher- specifically a financial mistake.
Let’s explore some of the things you should be thinking about to make smart financial decisions when you encounter some of the most significant events in your life.
 
Here is some of what you’ll learn on this show:
What to do if you find yourself in a new job or career. (3:40)
Here are some things you should consider when going through a divorce. (7:27)
An inheritance can be a blessing or a curse and here’s why. (10:22)
Want to set up a meeting with us? Visit us here: Talk With Lee

Ep 86: Did Charlie Brown Get Scammed?

There is a good chance you have seen, or at least heard of, Charlie Brown. On the Thanksgiving Special, there is a moment where Charlie Brown makes a mistake but keeps repeating it as if he is expecting a different result.
Unfortunately, many of us do this with our finances. Some even go as far as reaching out for help, but ultimately end up going back to their old ways. Listen to find out why and how you should avoid this.
 
Here is some of what you’ll learn on this show:
Let’s talk Thanksgiving; What are you thankful for? (8:56)
Have you seen Charlie Brown’s Thanksgiving special? (2:33)
Sometimes we repeatedly make the same financial mistakes and don’t learn our lesson. (4:08)
What you can learn from a Strategy Meeting with us. (6:30)
Want to set up a meeting with us? Visit us here: Talk With Lee