Should I Change What I’m Investing In During Retirement?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Investing, Business

4.6 • 3.6K Ratings

🗓️ 18 March 2026

⏱️ 6 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.0	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:13.0	Gary's in Raleigh, North Carolina.
0:15.0	Hey, Gary, what's up?
0:17.0	Hey, thanks for taking my call.
0:19.0	So I retired about a year and a half ago. I'm 69, and I've got my assets, no debt,
0:30.4	and I'm just wondering if what I have everything invested in is if I'm doing the right thing.
0:37.2	So my house is worth about 700.
0:41.3	It'll be paid off by the end of the year.
0:43.3	Good.
0:44.3	I'm holding off on social when I turn 70 in January and take, with my wife, taking advantage
0:51.3	of the spousal benefits.
0:53.3	So I'm estimating that we'll have about $80,000 a year in Social Security.
0:58.7	And the remaining is $2.1 million in three IRAs and another account that's cash and some stock.
1:09.9	What are they in IRAs and not invested in? Mutual funds?
1:12.6	Yes, yes. Three different mutual funds about there are about 1.7 million and then the cash in stock is about 430 of that.
1:23.6	The about 80,000 is in four or five different stocks and about 300,000 or so in a money
1:30.7	market, which is currently drawing around 4%.
1:34.0	Okay.
1:35.2	All right.
1:36.0	And your question is what, then?
1:38.4	You've done really well.
	...

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