Is My Retirement Safe? Navigating Financial Security in Uncertain Times

Retirement Answer Man

Roger Whitney, CFP®, CIMA®, RMA, CPWA®

Lifeplanning, Retirementplanning, Financialplanning, Saving, Careerplanning, Self-improvement, Education, Retirementpodcast, Investing, Business, Investmentmanagement, Retirement

4.7 • 1.1K Ratings

🗓️ 26 March 2025

⏱️ 46 minutes

🔗️ Recording | iTunes | RSS

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Summary

💬 Show Notes

In this episode, we embark on a journey of navigating retirement amidst uncertainty. Join us as we explore the importance of taking action, building confidence, and reframing our approach to financial security. Listen in as we share practical steps to manage risks, reassess spending, and make informed decisions in these unpredictable times. With insights drawn from real-life experiences and the wisdom of past challenges, this episode aims to empower you to build a resilient retirement, step by step.

OUTLINE OF THIS EPISODE OF RETIREMENT ANSWER MAN

(00:35) This week’s show stems from a number of conversations I have had with listeners to the show.
(02:35) Today, we’re diving into the challenges of retiring in uncertain times, exploring common concerns, potential risks, and the essential steps you should take to secure your future.
(03:12) **Political disclaimer** Today we are going to talk about what is going on in the political world today and how it relates to us in retirement planning.
(04:45) Retirement planning should remain as independent as possible from political strategies or opinions.
(08:28) What are the dangers that happen during this type of environment?
(14:50) The risk lies in how we respond to these dangers and act on our worries.
(16:00) We start to let our convictions and opinions about the future bleed into the retirement planning realm and act on the worst fears that we have.
(18:00) At the end of the day the questions are: Am I okay? What should I do?
(18:55) What you should focus on is what you can do right now to improve your situation.
(19:59) First, I’ll chat with those who already have a retirement plan in place, then I’ll turn to those who haven’t gotten around to it yet and share some tips for both groups moving forward.
(27:06) Now let's switch gears to listeners who don’t have a plan yet.
(32:05) None of these paths that we walked through have anything to do with what the government is doing.

RETIREMENT IN THE WILD

(33:04) An anonymous listener shared their retirement journey, thanking the podcast for inspiring positive steps.
(34:40) New listener says he started listening to your podcast about a year ago and says Roger’s philosophy from 10 years ago still rings true today
(35:40) Listener asks if there is an index of episodes he can search.

SMART SPRINT

(36:52) In the next seven days, take some of the action steps we talked about today.

BACKGROUND ON ROGER

(37:30) Roger talks about his origin story and financial experience background.

(39:25) Roger goes over his practical experience in the industry.

BONUS

(43:44) Roger reads another excerpt from his grandfather’s WWII journals.

REFERENCES

Retirement Answer Man
Sign up for The Noodle (previously known as Six Shot Saturday)

BOOK

The Power of Agency: The 7 Principles to Conquer Obstacles, Make Effective Decisions, and Create a Life on Your Own Terms- Paul Napper, Psy. D and Anthony Roo, Ph. D

Show notes created by https://headliner.app

Transcript

Click on a timestamp to play from that location

0:00.0	You must build up your life action by action and be content if each one achieves a goal as far as possible.
0:07.3	And no one can keep you from this.
0:10.0	But you say there will be external obstacles, perhaps, but no obstacle to acting with justice, self-control, and wisdom.
0:21.2	Welcome to the show dedicated to helping you not just survive retirement,
0:25.2	but to have the confidence, because you're doing the work, to lean in and rock it,
0:30.6	to build that life up, action by action.
0:36.1	Today's show is going to be a little bit different.
0:39.4	It is born from a number of conversations and interactions I've had with clients,
0:45.8	rock retirement club members, as well as people like you listening to the show that email me
0:50.6	and reply to our noodle email every Saturday, which you should sign up for, by the way.
0:55.2	We're going to share some resources to help you on the topic we're going to talk about today.
0:59.7	You can sign up for it at the noodle.m.E. It's our weekly email where we give a summary of the show
1:06.1	and share resources. If you hit reply, it actually comes directly to me. So if you want to tell me
1:10.9	something, that's an easy way to do it. But we're going to do a deep dive on, is your retirement safe?
1:17.4	And how do you navigate financial security in uncertain times? It's going to be some wise words,
1:23.3	hopefully, from my experience, as well as practical steps you can take. Our intent is to help
1:29.2	reframe how we're thinking about everything in the world today and how to take action that
1:35.6	is productive for you. After that, after that deep dive, we're going to share some rocking
1:42.0	retirement in the wild stories from listeners taking action
1:45.6	on creating a great retirement.
1:48.3	After that, I'm going to do something I don't do very often, but I think might be helpful
1:53.9	in this moment, is to tell you a little bit about myself and my origin story.
	...

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