Mailbag: “I’m single and retiring soon, how can I make my money last?”

HerMoney with Jean Chatzky

Jean Chatzky Her Money

Investing, Entrepreneurship, Business

4.8 • 1.3K Ratings

🗓️ 6 June 2025

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

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Summary

In this special AMA Mailbag episode, Jean sits down with two thoughtful guests navigating how to prepare for retirement as single women. First up is Liz, who’s about a year out from retiring. She’s done a lot of smart planning, but wants to double-check her next moves. We’re talking about annuities, TIPS ladders, Roth conversions, and how to create steady, reliable income in retirement. Then we hear from Bernadette, who is in her 50s and starting to look into long-term care options, but is having some major sticker shock. So if you're single, planning ahead, and want to protect your future without sacrificing flexibility, this one’s for you. 💡 Topics Covered: Long-term care planning for single women Preparing for retirement in the next few years The psychological comfort of a “retirement paycheck” … Does more financial confidence sound good to you, then you might want to try: 🚀 FinanceFixx – HerMoney’s 4 or 8-week Money Makeover financial coaching program that will help you get your finances on track! 📈 InvestingFixx – HerMoney’s investing club for women who are ready to learn market lingo, and grow their wealth. Your first month with us is completely free! Have a question for us? Write to us (or send us a voice note!) at [email protected]. While you’re at it, join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Right, that's it. Come on. Lights out. You've got a test tomorrow.
0:02.7	Just two minutes. I'm about to reach the next level.
0:05.4	It's going off now.
0:06.8	Yeah, whatever.
0:07.9	Let's see. Where's the app? Oh, here it is.
0:11.0	What? How?
0:12.3	Oh, no. You're out. Better look next time.
0:15.0	Mom!
0:16.1	It's game over for late nights on school nights.
0:18.9	EE Wi-Fi controls help you get them off the Wi-Fi and into bed.
0:22.8	More parents are choosing EE broadband, the UK's fastest growing broadband provider.
0:27.8	To verify I see EE.cote.uk slash claims.
0:30.7	I've been digging into the research on how people spend in retirement is that when we get our money in some sort of a paycheck,
0:42.7	when it just shows up every single month, we feel a lot more comfortable spending it
0:50.3	than if it's an asset that we then have to pull out of an account to spend.
0:59.5	Hey everyone, I'm Gene Chatsky. Thanks so much for joining me today on Her Money. You know how much
1:04.7	I love diving into your financial questions. And today I am thrilled to bring you another
1:10.1	Ask Me Anything episode because there is
1:13.2	nothing better than getting to talk with you and answer all of your questions, big and small.
1:19.8	This one is focused on listeners with questions about how to best support themselves in retirement
1:25.0	from how to keep up with inflation to long-term care costs.
1:29.9	First up, I'm talking to Liz, a longtime listener who is gearing up for retirement in the next
	...

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