#166 - The most common retirement planning questions from "real" people

Retirement Planning Education, with Andy Panko

Andy Panko

Education, 401k, Annuities, Roth Ira, Pension, Financial Planning, Taxes, Tax Planning, Social Security, Investing, Ira, Roth Conversion, Retirement Planning

4.9 • 1.1K Ratings

🗓️ 21 August 2025

⏱️ 51 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this slight twist to the "real" person episode format, Andy doesn't interview a real person but instead addresses the most common retirement planning questions he gets from "real" people. The questions addressed are: Do I have enough to retire?When can I retire?How much cash should I have?When should I start my Social Security?How do I get money out of my portfolio?How do I pay taxes?Should I do Roth conversions? If so, how much? Links in this episode: Tenon Financial monthly e-newsle...

Transcript

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0:00.0	I'm going to do a slight twist on the real person episode concept and discuss the most common questions I get from real people about their retirement planning planning.
0:07.5	And this is the 166 episode of the Retirement Planning Education Podcast.
0:15.1	Welcome to the Retirement Planning Education Podcast, where you can learn all about IRAs and Roth IRAs, employer retirement plans,
0:22.6	taxes, social security, Medicare, portfolio withdrawal strategies, annuities, estate planning,
0:28.7	and much more. And now here's your host, Andy Panko.
0:32.5	Hello, all of you listening. Welcome back. I appreciate you being here. Today is supposed to be a real
0:38.9	person episode. So for those of you who are regular listeners to the show, the third, you know
0:43.6	that the third Thursday, or the third episode of each month, I do a quote unquote real person
0:48.7	episode where I have on a real person or in some cases real people where multiple people be on one episode. Today I decided
0:56.6	to do something slightly different just to mix it up a bit. I'm going to, there won't be any real
1:02.0	people on. I mean, I'm real. I'm breathing and whatever, but there won't be any real people on.
1:06.7	Instead, I'm going to let you know the common questions I get from real people, be they clients or
1:14.9	people in the Facebook group or whatever, and give my thoughts, you know, in responses to those
1:20.6	questions. So it's indirectly a real person episode. It's content influenced by and ultimately
1:26.8	from real people, but there is not a real person on the show.
1:30.3	You unfortunately have to listen to just me again for another episode on the microphone,
1:35.0	but I think you'll like this.
1:36.4	So stick with me here.
1:39.4	Dad joke.
1:40.6	I used to have a job at a calendar factory, but I got fired because I took a couple days off.
1:46.0	You know what I'm saying? That one's pretty good, I think. I think. I'm biased. And just quick follow-up to last week's big goofy smile moment where I mentioned that I was recently at the Music Fest in Bethlehem, Pennsylvania. I saw one of my favorite bands, weather was perfect, had some drinks,
2:01.5	really good time.
	...

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