Discover the tips and strategies that will help you achieve your retirement goals.

I'm your host, James Canole, and this is the podcast dedicated to helping you retire well.

It all starts right here on Ready for Retirement. for retirement.

Hi, everyone and welcome back to another episode of Ready for Retirement.

I'm your host, James Cannell.

And this is the first episode of the year.

So just wanted to stop real quick before jumping in today and saying, if you've been listening for a long

time, thank you very much. It's been fun to be on this journey with you and looking forward

to another fruitful year. And if you're a new listener, welcome. Really glad that you found the

show and hope that you find a lot of value in it. Today, for the first episode of the year,

we're going to be exploring another case study type episode, which is a listener question and just unpacking the question, approaching it from a few different standpoints, and really just

looking at how would I approach this as a planner. Now, quick disclaimer, as always, nothing

in this episode or any episode should ever be construed as specific investment or planning advice.

It's really just for illustrative educational

purposes only. That being said, let's jump into the question today. The question is this. It says,

Hi, James. I've watched most of your YouTube videos and listened to many episodes of your podcast.

You have a great understanding of various retirement strategies and financial concepts, which is

evident in your clear and concise explanations.

I also find your reasoning easier to follow them with other financial YouTube channels.

Here is our situation. And I've changed the names here. So here's our situation. My wife is Jill,

47 years old. She earns $75,000 per year as a registered nurse with part-time flexible hours.

My name is Jack. I'm 45 years old. I earn $215,000 per year, and I'm a full-time engineer.

...