#  @erintalksmoney Erin Talks Money Erin Talks Money has been releasing a flurry of videos on retirement planning, focusing on tax-efficient strategies, required minimum distributions (RMDs), and Social Security benefits. A key theme is helping viewers avoid costly mistakes and maximize their retirement savings. The videos offer actionable advice and insights from experts, covering topics like Roth conversions, pension planning, and sustainable withdrawal strategies. ### Engagements: [------] [#](/creator/youtube::UCpXipTyhIY9kprpvVd-lu0A/interactions)  - [--] Week [-------] -7.50% - [--] Month [---------] -32% - [--] Months [----------] +69% - [--] Year [----------] +313% ### Mentions: [---] [#](/creator/youtube::UCpXipTyhIY9kprpvVd-lu0A/posts_active)  - [--] Week [---] +15% - [--] Month [---] -44% - [--] Months [-----] +196% - [--] Year [-----] +833% ### Followers: [-------] [#](/creator/youtube::UCpXipTyhIY9kprpvVd-lu0A/followers)  - [--] Week [-------] +0.94% - [--] Month [-------] +5.90% - [--] Months [-------] +54% - [--] Year [-------] +138% ### CreatorRank: [------] [#](/creator/youtube::UCpXipTyhIY9kprpvVd-lu0A/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) #2541 [financial services](/list/financial-services) #344 [social networks](/list/social-networks) 5.29% [technology brands](/list/technology-brands) 5.29% [stocks](/list/stocks) 3.37% [countries](/list/countries) 0.96% [celebrities](/list/celebrities) 0.48% **Social topic influence** [finance](/topic/finance) #101, [money](/topic/money) #654, [retirement](/topic/retirement) #44, [how to](/topic/how-to) #2613, [books](/topic/books) #233, [social security](/topic/social-security) #11, [investment](/topic/investment) #134, [saving](/topic/saving) #308, [amzn](/topic/amzn) #50, [tax bracket](/topic/tax-bracket) #294 **Top accounts mentioned or mentioned by** [@moneyguyshow](/creator/undefined) [@joekuhnlovesretirement](/creator/undefined) [@retirearly500k59](/creator/undefined) [@hamptonfounders](/creator/undefined) [@grahamstephan](/creator/undefined) [@theprofgpod](/creator/undefined) [@thegrahamstephanshow](/creator/undefined) **Top assets mentioned** [JPMorgan Chase (JPM)](/topic/jpmorgan-chase) ### Top Social Posts Top posts by engagements in the last [--] hours "Trump Accounts Are NOT What They Seem (Heres the Tax Reality) Trump Accounts for kids are being marketed as a powerful new way to build wealth early but are they really as flexible and beneficial as they sound In this video I break down exactly how Trump Accounts work under IRS tax rules including how theyre funded how the governments $1000 seed money works what happens when the child turns [--] and how these accounts actually function like traditional IRAs with tax-deferred growth and early withdrawal penalties. Well walk through real investment growth examples showing how contributions could" [YouTube Link](https://youtube.com/watch?v=FBnTxJcU4xo) 2026-02-05T14:45Z 322K followers, 53.9K engagements "Have After-Tax Basis in an IRA Roth Conversions Can Make Much More Sense Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money roth conversion roth conversion strategy traditional ira vanguard" [YouTube Link](https://youtube.com/watch?v=IKCV6PVSMTc) 2026-02-11T23:30Z 322K followers, [----] engagements "A Small Investing Fee Can Cost You Hundreds of Thousands Over a Lifetime Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement financial freedom early retirement how to retire well financial independence" [YouTube Link](https://youtube.com/watch?v=MFy7gJ7s7Kw) 2026-02-11T14:30Z 322K followers, [----] engagements "4 Things That Lower Your Inflation in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money inflation inflation impact inflation in retirement inflation risk homeowner vs renter" [YouTube Link](https://youtube.com/watch?v=O3NV6ndKDpQ) 2026-02-13T20:30Z 322K followers, [----] engagements "Retiring at [--] Heres a Smarter Alternative to the 4% Rule Most retirement advice assumes one portfolio and one safe withdrawal rate that lasts forever. But real retirement doesnt work that way. In this video I walk through a smarter retirement income strategy for people retiring around age [--] especially those who plan to claim Social Security early and want to spend more in the early years of retirement without increasing the risk of running out of money. Instead of forcing a rigid 4% rule for 30+ years we explore a phased bucket-based retirement spending approach that matches money to when" [YouTube Link](https://youtube.com/watch?v=UK22wVksxMc) 2026-01-13T14:45Z 322K followers, 92.5K engagements "Retiring Early at [--] How to Plan Your Portfolio in Two Phases Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement social security retirement planning income planning retirement income planning wealth how to" [YouTube Link](https://youtube.com/watch?v=etJ9KEvHqaw) 2026-02-13T14:30Z 322K followers, [----] engagements "This Is the Most Underrated Account in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement tax planning tax efficient retirement inheritance taxes 401k roth 401k roth ira brokerage" [YouTube Link](https://youtube.com/watch?v=pCh00ET8zHg) 2026-02-09T20:30Z 322K followers, 13.8K engagements "How Your RMD Changes Every Single Year The Math Behind It Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement IRA 401k RMD required minimum distribution RMD age age [--] how to take an RMD when to taken an RMD" [YouTube Link](https://youtube.com/watch?v=0pMGjSdcL1I) 2026-02-12T14:30Z 322K followers, [----] engagements "What $1 Million Really Buys You in Retirement (REAL Income After Taxes) 00:00 - Intro 01:48 - The Classic 4% Rule 03:27 - Other Withdrawal Rates 04:31 - Income + Social Security 05:21 - Taxes & Net Income 06:24 - Example 1: 100% Roth IRA 07:44 - Example 2: 100% Traditional IRA 10:09 - Example 3: 100% Brokerage Account 11:45 - Is This Real 12:56 - Example 4: Blended Portfolio (Roth + Traditional + Brokerage) 14:47 - Comparison Across Portfolio Types 16:19 - Portfolio Mix Matters 17:15 - Lifestyle Reality Check 18:07 - Closing Takeaways 18:54 - Bloopers If youve saved $1 million for retirement" [YouTube Link](https://youtube.com/watch?v=7USmB3myKJg) 2025-10-02T13:45Z 322K followers, 132.9K engagements "What $300000 Really Looks Like in Retirement (Real Scenarios) What does $300000 really look like in retirement and is it actually enough to retire In this video we walk through real retirement scenarios using the same $300000 investment portfolio and show why the outcome depends far more on income sources timing and withdrawal strategy than on the portfolio balance alone. We compare single retirees married couples early retirees pension recipients and Social Security coordination strategies to demonstrate how a $300000 portfolio can act as a core income source a supplement a bridge or simply" [YouTube Link](https://youtube.com/watch?v=E_Hv2eDKNxQ) 2025-12-25T14:45Z 322K followers, 65.3K engagements "Build a Strong Retirement Income Floor - Worry Less About Your Portfolio Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money social security investment portfolio retirement income strategy" [YouTube Link](https://youtube.com/watch?v=HyFEyusU5ac) 2026-02-13T23:30Z 322K followers, [----] engagements "Why You Need $100K Invested by [--] and What to Do If You Missed It 0:00 Intro 0:52 What Happens If You Hit $100K by Age [--] 1:57 Two Realistic Scenarios to Reach $100K 1:59 Scenario 1: No Employer Match 2:35 Scenario 2: 4% Employer Match on $60K Salary 3:50 Where Gen Z and Millennials Stand 4:45 $25K at [--] Youre Already Ahead 5:30 Missed the $100K by [--] Heres Your Power Move 6:18 The Real Takeaway: Its About Starting 6:45 Later in Life You Have an Edge 9:34 Bloopers Learn how reaching $100K by [--] can unlock Coast FIRE and give you financial freedom later in life. This video explains how" [YouTube Link](https://youtube.com/watch?v=KXzOrT5X_oE) 2025-05-30T13:45Z 322K followers, 66.8K engagements "Vanguard UPDATE: The Most Accurate Roth Conversion Strategy Youve Never Been Taught This video breaks down the most accurate Roth conversion strategy using Vanguards new Break-Even Tax Rate (BETR) research a game-changing framework for retirement tax planning and long-term wealth management. Most investors compare todays tax bracket to their future tax bracket but Vanguards BETR analysis reveals a smarter more precise way to decide whether a Roth conversion will increase your after-tax wealth. Youll learn the ONE rule that truly matters plus three hidden factors that influence Roth" [YouTube Link](https://youtube.com/watch?v=LIP63k2uGuk) 2026-01-05T14:45Z 322K followers, 367.2K engagements "Backdoor Roth IRA Explained: What It Is and Why the IRS Allows It (Clip) Watch the full video here: https://youtu.be/IbDEHci_oQo 00:00 What a Backdoor Roth IRA Actually Is (Not a Loophole) 00:26 The Simple Two-Step Backdoor Roth Process 00:49 Why High-Income Earners Are Allowed to Do This 01:37 Who a Backdoor Roth Is Best For 03:02 Who Should Not Use a Backdoor Roth 04:18 Step-by-Step: How to Do a Backdoor Roth Correctly 05:22 Timing vs Clean Conversions (What Actually Matters) 05:52 Why Existing IRA Balances Complicate Everything Some of my favorite books: https://amzn.to/3KF3tlr Camera &" [YouTube Link](https://youtube.com/watch?v=MdRoMZnJfso) 2026-02-07T16:45Z 322K followers, 31.2K engagements "The Truth About Dividend Investing: What Investors Get Wrong at Every Age This video is a complete dividend investing and retirement income guide for every age your 20s 30s 40s 50s and retirement years. Youll learn the real truth about dividend income tax planning RMD rules and retirement withdrawals using a clear data-driven framework. We break down how dividend growth vs portfolio growth yield vs total return and high-yield strategies actually perform in real life. Youll see how dividends inside IRAs dividends inside 401(k)s and dividend withdrawals really work and why reinvested dividends" [YouTube Link](https://youtube.com/watch?v=NqADbb3vp2U) 2025-12-23T14:45Z 322K followers, 180.5K engagements "The Retirement Withdrawal Strategy That Gets You Closest to Die With Zero Most retirement withdrawal strategies are designed to prevent you from running out of money but many unintentionally cause retirees to underspend and die with far more money than they started with. In this video Erin Talks Money breaks down the RMD (Required Minimum Distribution) withdrawal strategy an IRS-based retirement income approach highlighted in Morningstars [----] State of Retirement Income research as one of the most efficient ways to convert retirement savings into lifetime spending. Youll learn how the RMD" [YouTube Link](https://youtube.com/watch?v=OosIaxPC9Ak) 2026-02-09T14:45Z 322K followers, 65.6K engagements "Seniors: Heres What the NEW $6000 Deduction Could Save You Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing one big beautiful bill tax savings no tax on social security senior deduction retirement tax savings" [YouTube Link](https://youtube.com/watch?v=S9iNlRUVHoA) 2025-07-06T17:45Z 322K followers, 20.5K engagements "Backdoor Roth vs Roth Conversion: How They Work Together Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money backdoor roth ira backdoor roth backdoor roth explained how to do the backdoor" [YouTube Link](https://youtube.com/watch?v=XMhh4ypNqmo) 2026-02-12T01:30Z 322K followers, [----] engagements "Why the First [--] Years of Retirement Matter More Than the Next 25+ The first five years of retirement matter more than the next [--] and most people do not realize why until it is too late. In this video we break down new Morningstar research that shows why early market losses and early inflation pose the greatest threat to a successful retirement. Using real data we explain sequence of returns risk why retirement plans often fail early and why timing not average returns determines long term outcomes. You will learn why nearly [--] percent of failed retirement plans experienced losses in the first" [YouTube Link](https://youtube.com/watch?v=XWdMD9x4fHQ) 2026-02-12T14:45Z 322K followers, 56.6K engagements "When Your Investments Earn More Than Your Job The REAL Wealth Milestone Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing compounding wealth wealth milestones compounding interest compound growth creating wealth rate" [YouTube Link](https://youtube.com/watch?v=ayfDkat20fs) 2026-02-09T14:30Z 322K followers, 21.7K engagements "Not Owning a Home Could Cost You Your Retirement Many Americans especially younger adults are being priced out of homeownership. But what most people dont realize is that this housing affordability crisis could have serious long-term consequences for retirement security. For decades buying a home has been one of the biggest drivers of wealth creation in the United States. Home equity has historically made up a large portion of household net worth and has served as a critical financial safety net in retirement. Today however rising home prices higher mortgage interest rates growing debt" [YouTube Link](https://youtube.com/watch?v=bQk_kDioaSU) 2026-02-11T14:45Z 322K followers, 53.1K engagements "How Much You REALLY Need to Retire (The 80/70/60 Rule No One Talks About) Discover how much you really need to retire using the 80/70/60 spending framework that reflects how retirees actually livenot outdated rules of thumb. In this video I break down how retirement spending changes over time how Social Security offsets your income needs and how much your portfolio truly has to cover in early mid and late retirement. Youll learn why most people overestimate their retirement number how to calculate your personalized spending needs and how this approach can dramatically reduce the savings" [YouTube Link](https://youtube.com/watch?v=cdgkQz8Yyq0) 2026-02-13T14:45Z 322K followers, 33.3K engagements "Is It Worth It The Shocking $400K Value of Delaying Retirement by Just One Year 00:00 Intro 00:43 The Heart Of The Decision 01:24 Let's Start With Social Security 03:34 Work Income + Savings Impact 06:21 Increased Savings Contributions 08:54 Workplace Benefits 10:31 The Total Value Of Delaying Retirement By One Year 14:07 But What About Your Time 15:04 Finding Your Retirement Date 16:05 Closing 16:45 Bloopers Delaying retirement by just one year could add $100000 to $400000 to your financial future but is it worth it In this video we break down the surprising value of working one more year" [YouTube Link](https://youtube.com/watch?v=ebuUI1pgptI) 2025-06-09T13:45Z 322K followers, 95K engagements "The Complete Guide to Gifting in 2025: Annual Limits Lifetime Exemptions & Rules Explained 00:00 - Intro 01:04 - The Annual Exclusion 01:58 - The Lifetime Exemption 03:20 - How These Work Together 05:08 - What Counts as a Gift 05:53 - The Special Exceptions 06:04 - Tuition 06:19 - Medical Expenses 06:27 - Gifts to Your U.S. Citizen Spouse 06:42 - Gifts to Qualified Charities 06:52 - Political Contributions 07:16 - Real-World Example $100000 Down Payment 08:10 - Getting Creative With Timing 09:12 - Why This Matters 09:50 - Q&A: Common Gifting Questions 09:57 - Do I Have to Report Gifts or Pay" [YouTube Link](https://youtube.com/watch?v=g6Y5Y5d6JnQ) 2025-09-05T13:45Z 322K followers, 37K engagements "Retirement Guardrails: The Strategy That Adapts With the Market (Guyton-Klinger) 00:00 - Intro 00:37 - Why the 4% Rule Falls Short 01:39 - What Is the Guyton-Klinger Strategy 03:20 - Does This Strategy Let You Spend More 04:26 - How Guardrails Actually Work 06:43 - So How Do the Rules Work 09:08 - 5-Year Example 14:04 - Pros and Cons 14:50 - Who Is This Strategy Good For 15:15 - The Behavioral Benefit 16:05 - Bloopers Looking for a smarter way to spend in retirement without running out of money This video breaks down the Guyton-Klinger guardrail strategy a flexible rules-based approach that" [YouTube Link](https://youtube.com/watch?v=hfL-YXPgxuA) 2025-09-01T13:45Z 322K followers, 39.2K engagements "Maximize the 3-Bucket Strategy Smart Refilling 00:00 3-Bucket Overview 01:11 How to Replenish Buckets 02:05 Postitive Market 05:07 Negative Market 07:11 Market Summary 08:18 Spending Habits 09:01 Safe Withdrawal Link to 3-Bucket Strategy https://www.youtube.com/watchv=qfIWKL4zpSw&t=585s Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here:" [YouTube Link](https://youtube.com/watch?v=mK0eGdu8ZCY) 2024-05-24T13:45Z 322K followers, 66.8K engagements "David Bach Reveals: 83% of Retirees Are Making This HUGE IRA & 401(k) Mistake In this in-depth interview Erin Moriarity of Erin Talks Money sits down with legendary personal finance expert David Bach New York Times bestselling author of The Automatic Millionaire to uncover the biggest retirement planning mistakes most Americans make and why simply saving for retirement isnt enough. David Bach shares the behavioral finance principles behind the famous Latte Factor and the powerful concept of paying yourself first to automatically build wealth through your 401(k) IRA and investment accounts." [YouTube Link](https://youtube.com/watch?v=sPssjerasxc) 2026-02-06T15:30Z 322K followers, 92.7K engagements "STOP Contributing to Your 401(k) The Truth No One Is Telling You Should you stop contributing to your 401(k) In this video we break down the exact moments when it actually makes financial sense to pause traditional 401(k) contributions and redirect your savings elsewhere. This isnt clickbait its backed by research from Morningstar Vanguard Fidelity the TIAA Institute and the National Bureau of Economic Research. Youll learn why high savers often face higher taxes in retirement how RMDs can push you into unexpected tax brackets and why the classic rule of youll retire in a lower bracket often" [YouTube Link](https://youtube.com/watch?v=wBdVTpSXrV8) 2026-01-02T14:45Z 322K followers, 375.7K engagements "Thousands of Retirements One Surprising Result: The Safer Strategy Fails More Often Many retirees are drawn to the bucket strategy because it feels safer setting aside years of cash to avoid selling investments during market downturns. But when we test this approach across thousands of real retirement scenarios spanning more than a century of market data a surprising pattern emerges: the strategies that feel safest often fail more frequently. This video breaks down the research comparing cash bucket strategies to static rebalanced portfolios using long-term retirement data across multiple" [YouTube Link](https://youtube.com/watch?v=wJDI2PmzK40) 2026-01-15T14:45Z 322K followers, 114.6K engagements ""$2 Million Is Nothing.It's Pennies In Today's World" 00:00 Intro 01:07 $2 Million Is Nothing - Suze Orman 02:39 Net Worth By Age 02:55 Behind The Numbers 05:02 Disabilities 06:34 The Extreme 07:34 Traditional Retirement 08:37 Budgeting $2000000 10:51 The Motivation 11:52 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here:" [YouTube Link](https://youtube.com/watch?v=x5qQP-xYm_U) 2024-09-02T13:45Z 322K followers, 238.8K engagements "Why Money Feels Harder at Every Stage of Life (Behavioral Finance Explained) Why do smart responsible people still feel anxious about money even when they are doing everything right In this video we break down behavioral finance research that explains how saving investing and spending behaviors change across every stage of life and why financial strategies that work at one age often stop working over time. Using Federal Reserve Survey of Consumer Finances data research from Vanguard Morningstar RAND and the Health and Retirement Study along with insights from behavioral economists like David" [YouTube Link](https://youtube.com/watch?v=0232_NGGFjw) 2026-02-10T14:45Z 322K followers, 34.6K engagements "Safe Withdrawal Showdown: 3.3% vs 4.6% vs 5.5% (Probability Guarantees or History) 00:00 - Intro 00:41 - [--] Methods 01:16 - Method [--] Morningstar 04:31 - Example [--] 05:12 - Method [--] Wade Pfau 08:42 - Example [--] 09:24 - Floor Bucket 11:45 - Method [--] Bill Bengen (Rule of 4%) 14:22 - Example [--] 15:38 - The Comparison 17:40 - The Real Difference 18:05 - Which One Is Right for You 19:10 - Quick Practicals 20:36 - Two Reminders 20:55 - Closing Takeaways 21:52 - Bloopers Unlock your safe withdrawal rate with a head-to-head of Morningstars 3.3%3.7% Monte Carlo Wade Pfaus 4.6% TIPS ladder and Bill Bengens" [YouTube Link](https://youtube.com/watch?v=4tgN8AIb4QM) 2025-09-25T13:45Z 322K followers, 58.3K engagements "The Crossover Point: The Exact Moment Your Contributions Dont Matter Anymore 00:00 - Intro 00:49 - The Crossover 02:35 - The Bigger Picture 05:29 - Why This Matters 07:35 - Coast FIRE 09:26 - The Big Investing Milestones 09:36 - The first $10000 invested 10:02 - The first $100000 10:37 - The crossover point 11:06 - Portfolio Return Greater Than Annual Income 12:10 - Hitting your Coast FIRE number 12:28 - One times your annual income saved 12:51 - $1 million net worth 13:18 - Portfolio covers your basic living expenses 13:55 - Portfolio covers your lifestyle expenses 14:20 - Work becomes" [YouTube Link](https://youtube.com/watch?v=SJPnAkkZqg8) 2025-12-10T14:45Z 322K followers, 554.8K engagements "Married Dont Claim Social Security Until You Watch This The Smartest Way for Couples to Claim 00:00 Intro 01:10 What Does It Mean to Coordinate Benefits 01:44 Common Scenarios and Strategies 01:58 Different Lifetime Earnings 05:12 Similar Lifetime Earnings 07:44 Both Delay Claiming 09:41 Significant Age Gap 10:12 Older Spouse Lower Earner 11:45 Older Spouse Higher Earner 14:29 The Social Security Bridge Strategy 15:01 Retire Together With a Large Age Gap 16:30 Benefits to Coordinate 17:54 Steps to Coordinate Effectively 18:57 Bloopers Wondering how married couples should claim Social Security" [YouTube Link](https://youtube.com/watch?v=Vlc98ugn0tQ) 2025-06-06T13:45Z 322K followers, 288.6K engagements "The Ultimate Guide to the Roth IRA 5-Year RuleAvoid Costly Mistakes and Unlock Tax-Free Growth 00:00 - Intro 00:27 - The 5-Year Rule 00:48 - Contributions 01:25 - Under the Age of [--] 02:40 - Over the Age of [--] 04:15 - Conversions 05:07 - Example - Under [--] 05:52 - Example - Over [--] 07:43 - First In First Out Rule 08:25 - The Two 5-Year Rules 08:52 - Roth Laddered Conversion Example 11:05 - Bloopers Unlock the secrets of the Roth IRA 5-Year Rule with this ultimate guide Whether you're making contributions conversions or planning withdrawals this video breaks down the rules you need to know to" [YouTube Link](https://youtube.com/watch?v=ciVWKvE0QK4) 2025-01-20T14:45Z 322K followers, 56.2K engagements "The Retirement Masterclass: Avoid Mistakes Build Cash Flow Stress-Test Your Plan 00:00 - Intro 00:27 - Step 1: Know Your Gap 02:11 - Step 2: Maximize Tax-Advantaged Accounts 04:46 - Step 3: Increase Your Savings Rate Now 06:42 - Step 4: Delay Retirement (Even Slightly) 09:14 - Step 5: Reduce Lifestyle Inflation 10:29 - Will Your Plan Hold Up 10:42 - Scenario #1: A Market Crash 12:26 - Running a Monte Carlo Simulation 14:25 - Scenario #2: Living Longer Than Expected 15:58 - Scenario #3: Healthcare Shock 18:24 - Smart Ways to Plan for Retirement Healthcare 19:58 - Scenario #4: Inflation Spike" [YouTube Link](https://youtube.com/watch?v=gDFayMI5zZU) 2025-06-21T15:45Z 322K followers, 101.7K engagements "The Tax Torpedo Explained: Why Middle-Class Millionaires Pay the Most Many retirees are shocked to discover how much they owe in taxes after leaving work especially those with $1$3 million saved in traditional retirement accounts. In this video we break down the tax torpedo and explain why middle-class millionaires often face higher lifetime tax bills than high-income retirees. Using Morningstar research and real RMD modeling youll learn how required minimum distributions Social Security taxation and IRMAA surcharges combine to create a hidden retirement tax trap. We also compare the" [YouTube Link](https://youtube.com/watch?v=iCU812NL-ks) 2026-01-16T14:45Z 322K followers, 278.3K engagements "The Biggest Cost in Retirement (And You Never Even See It Coming) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing spending in retirement retirement retirement spending patters fear fear based fear in retirement" [YouTube Link](https://youtube.com/watch?v=oSfz9bhOM-s) 2026-02-12T20:30Z 322K followers, [----] engagements "I Have $1.5M in My 401(k) Here's What My RMD and Tax Bill Look Like 00:00 - Intro 00:45 - What are RMDs & How do the deadlines work 03:26 - Understanding Provisional Income 04:02 - How much of their Social Security is Taxed 06:51 - What Happens After Your First RMD 09:03 - Can You Reduce Future RMDs 09:13 - Roth Conversions 11:10 - Pros 12:06 - Cons 13:29 - Qualified Charitable Distributions (QCDs) 15:05 - Bloopers If you're approaching retirement with a sizable 401(k) or IRA understanding Required Minimum Distributions (RMDs) is essential. In this video I break down how much you'll be" [YouTube Link](https://youtube.com/watch?v=qlh1a_nxh5M) 2025-07-16T13:45Z 322K followers, 608.6K engagements "What Retirement Really Feels Like (No One Warns You About This) with Joe Kuhn & Duane What really happens after you retire emotionally financially and psychologically In this candid retirement roundtable Erin Moriarity @ErinTalksMoney sits down with Joe Kuhn @joekuhnlovesretirement and Duane @retirearly500k59 to unpack the retirement realities most financial media never talks about. From unexpected emotional shifts and identity changes after leaving work to the surprising expenses that show up in retirement this conversation goes far beyond spreadsheets and withdrawal rates. Joe and Duane" [YouTube Link](https://youtube.com/watch?v=rEw1VGperVU) 2026-01-25T16:45Z 322K followers, 64.8K engagements "Retire Early Delay Social Security: Exactly How the Math Works 00:00 - Into 00:27 - Set-Up 01:29 - Common Misperception 03:01 - Example-1 04:45 - The Buckets 10:29 - Math Check 12:25 - Example-2 15:59 - Math Check 17:38 - Pension 18:20 - Quick Note 20:33 - What to do next 21:57 - Closing 22:17 - Bloopers Retire early without claiming Social Security by using a bridge/bucket strategy that funds your lifestyle now while your benefit grows for a higher inflation-adjusted income floor later. In this video I walk through the exact math (5861 cash ladder [----] invest-to-spend bridge 70+ lifetime" [YouTube Link](https://youtube.com/watch?v=xGDo6VqdHZs) 2025-11-11T14:45Z 322K followers, 157.8K engagements "Can You Really Retire on Social Security Alone 00:00 - Intro 00:39 - The Stats & Nuance 01:13 - Lower-income low-asset retirees 01:32 - Middle- and upper-income retirees 02:38 - What Social Security Really Pays 04:46 - Median Household Income 05:58 - Real Household Scenarios 09:30 - How This Compares to Real Retirement Spending 12:22 - The Big Takeaway 16:10 - Bloopers Can you really retire on Social Security alone In this video we break down what the average Social Security check looks like the maximum benefits you can receive and real household examples that show how income distribution" [YouTube Link](https://youtube.com/watch?v=5BUU1PhSMmQ) 2025-10-21T13:45Z 321K followers, 31.7K engagements "Youre Probably Over-Saving for Retirement (Heres the Data) (Clip) Watch the full video on retirement spending patterns here: https://youtu.be/T2qiVfoixHU Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement" [YouTube Link](https://youtube.com/watch?v=6aKubgmFHcA) 2026-01-31T16:45Z 320K followers, 53.6K engagements "7% Rule vs. 5% + Inflation: The Retirement Income Showdown ($780K vs. $858K) 00:04 - Introduction 00:50 - Setting The Stage 02:34 - Strategy #1 7% Withdrawal Rule 04:49 - Strategy #2 5% + Inflation 07:13 - Comparing The Two 08:40 - Portfolio Balance Swings 09:31 - Withdrawal Swings Matter 12:02 - Pros & Cons Of Each 17:02 Bloopers Retirement income isnt just about how long your portfolio lasts its about how reliable your paycheck feels year after year. In this video we compare the 7% withdrawal rule with the 5% + inflation method across [--] years of real market returns showing how each" [YouTube Link](https://youtube.com/watch?v=7iM9SZE5LCs) 2025-10-15T13:45Z 320K followers, 54.2K engagements "ACA Subsidies Expire in 2026: What It Means for Your Health Insurance Costs Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing ACA aca health insurance medicare health insurance expire health care subsidy personal" [YouTube Link](https://youtube.com/watch?v=9gpdOtyrBJ8) 2025-08-01T22:30Z 319K followers, [----] engagements "Dont Want a Legacy Heres Why You SHOULD Spend Your Principal Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe withdrawal" [YouTube Link](https://youtube.com/watch?v=A-AMLY9c6cY) 2026-02-03T01:30Z 322K followers, [----] engagements "Why $300000 Invested Could Mean Youre Already Halfway to Millionaire Status Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing $300000 $100000 millionaire how long to become a millionaire invest like a millionaire" [YouTube Link](https://youtube.com/watch?v=CMlUuGpo_7s) 2025-10-06T19:30Z 320K followers, 60.8K engagements "Retirement Is Lived in Phases Your Plan Should Match That Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement income withdrawal rates safe retirement planning spending in" [YouTube Link](https://youtube.com/watch?v=GOZVhQgYkTc) 2026-02-06T23:30Z 322K followers, [----] engagements "The Retirement Question Most People Ask Backwards Why does a monthly paycheck feel safer than a large retirement portfolio even when the math says theyre the same In this video we break down the behavioral psychology of retirement income and explain why so many retirees feel anxious spending from investments even when they have more than enough money. Using real examples research-backed insights and clear retirement income tables youll learn why framing your retirement savings as monthly income instead of a portfolio balance can dramatically improve confidence decision-making and overall" [YouTube Link](https://youtube.com/watch?v=HRw_S8IsKwQ) 2026-01-20T14:45Z 319K followers, 82.1K engagements "The Roth IRA Five-Year Rule Loophole Most People Miss Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money what to do with old 401k old 401k cash out 401k roll over 401k what to do with an" [YouTube Link](https://youtube.com/watch?v=I6HBtT8eIzQ) 2026-02-01T23:30Z 321K followers, 21.7K engagements "Early Retirement at 50: High Spending Bad Timing and Why This Plan Survived What if you retired early around age [--] into one of the worst possible market environments High inflation. Brutal bear markets. Long drawdowns. And no Social Security yet. In this video we walk through a realistic early retirement strategy using a two-bucket portfolio design that was intentionally stress-tested using historical market returns starting in [----] one of the toughest retirement starting points in modern history. Instead of relying on a single safe withdrawal rate this approach separates retirement into two" [YouTube Link](https://youtube.com/watch?v=I95aNwvLnus) 2026-01-30T14:45Z 320K followers, 44.1K engagements "The Ultimate Backdoor Roth IRA Guide (Step-by-Step) If youve been told you make too much income for a Roth IRA youve probably heard about the Backdoor Roth IRA and just as likely heard that its complicated risky or easy to mess up. This video is a complete step-by-step Backdoor Roth IRA guide designed to remove confusion and show you how this strategy actually works. In this in-depth breakdown we cover Backdoor Roth IRA rules tax implications Form [----] reporting the pro-rata rule and the most common Backdoor Roth mistakes that trigger unexpected taxes. Youll learn who the Backdoor Roth is" [YouTube Link](https://youtube.com/watch?v=IbDEHci_oQo) 2026-01-19T14:45Z 321K followers, 74.9K engagements "Fidelitys Age-Based Retirement Savings Goals: $980K to $560K Investment Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement saving retirement investing fidelity age based age based retirement fidelity" [YouTube Link](https://youtube.com/watch?v=IjuNo3EH_uU) 2025-01-09T14:45Z 320K followers, 20K engagements "High-Asset Retirees: Tax Planning Matters as Much as Your Withdrawal Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement planning when to retire wealthy retiree income in retirement" [YouTube Link](https://youtube.com/watch?v=JKlNOm4sCiE) 2026-02-04T14:30Z 322K followers, [----] engagements "3 Simple Steps to a Bulletproof Retirement Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement plan how to" [YouTube Link](https://youtube.com/watch?v=JwpkDm9CvDs) 2026-02-02T01:30Z 321K followers, 15.7K engagements "The Health Care Bucket: A Smarter Way to Fund Long-Term Care Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing long term care retirement retirement stats nursing home assisted living medical costs medical costs in" [YouTube Link](https://youtube.com/watch?v=KSXhQpXagcM) 2026-02-05T14:30Z 322K followers, [----] engagements "$110K Salary + Social Security at 67: What Really Happens (Dont Claim Until You See This) 00:00 - Intro 01:18 - Case Setup (67 working already claimed) 01:27 - Current Income (Salary + SS; Pension later) 02:13 - Savings & Contributions (401k + Roth plan) 04:22 - Why Claiming at FRA While Working Has Trade-Offs 05:04 - Taxes on Social Security While Working (85% taxable) 05:30 - Delayed Credits Math (+8%/yr to 70) 06:28 - Senior Bonus Deduction (OBBB) Phase-Out 08:35 - Breakeven Point (82 years) 09:01 - Tax Hit Example (+$7k/yr; brackets) 10:21 - Near-Term vs Long-Term Trade-Off Summary 11:13" [YouTube Link](https://youtube.com/watch?v=KX02GGdlK3A) 2025-09-26T13:45Z 320K followers, 42.1K engagements "Your Loftiest Target Spending: The Maximum Portfolio Youd Ever Need for Your Dream Life Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money high net worth high income FIRE lifestyle wealth" [YouTube Link](https://youtube.com/watch?v=LjLvVqH61qA) 2026-02-04T20:30Z 322K followers, [----] engagements "Only 2030% of People Age This Way Where Do You Stand Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning healthy aging retirement readiness financial income financial" [YouTube Link](https://youtube.com/watch?v=LoAhmvVEg3Y) 2026-02-06T20:30Z 322K followers, [----] engagements "$3 Million: Heres the Retirement Income People Dont Expect Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you" [YouTube Link](https://youtube.com/watch?v=PyWipDfTVtE) 2026-01-13T23:30Z 318K followers, 24.5K engagements "Why a 50-Year Mortgage Might Lower Your Payment But Hurt Your Wealth Buying a home is harder than ever and many people are wondering whether a 50-year mortgage could finally make housing affordable. In this video I break down the real math behind 50-year loans how they compare to 30-year mortgages and the long-term wealth trade-offs most people never see coming. Well look at monthly payments total interest costs equity growth and what a longer mortgage really means for your financial future and retirement planning. If youre thinking about buying a home in todays market this is the analysis" [YouTube Link](https://youtube.com/watch?v=R_9DQ7KrQJc) 2025-11-25T14:45Z 322K followers, 11.3K engagements "How to Convert Unused [---] Funds to a Roth IRA Avoid Taxes & Penalties for Retirement Savings 00:00 Intro 00:34 [---] Plan 02:18 [---] to Roth IRA 03:09 Eligibility - Beneficiary Rule 04:56 Eligibility- 15-year Requirement 05:24 The Conversion Process 06:01 Conversion Limits 07:05 Conversion - Example 10:13 Strong Case for a [---] Learn how to convert unused [---] plan funds into a Roth IRA in [----] and avoid taxes and penalties while boosting your retirement savings. This step-by-step guide explains the new SECURE Act [---] rule eligibility requirements and conversion limits helping you make the most of" [YouTube Link](https://youtube.com/watch?v=S1QvmTVpdXY) 2025-02-10T14:45Z 321K followers, 16.8K engagements "How Much Money Do You Need to Retire The Real Spending Data Explained Most retirement calculators dramatically overstate how much money you need because they assume a constant spending model almost no retiree actually follows. In this video I break down the five real retirement spending patterns backed by Morningstar JP Morgan RAND EBRI and Federal Reserve data and show how they change your withdrawal strategy safe spending rate and required nest egg. Youll learn how the Spending Smile declining real spending early-retirement surges lumpy expenses and natural guardrails reduce retirement" [YouTube Link](https://youtube.com/watch?v=T2qiVfoixHU) 2025-12-19T14:45Z 321K followers, 54.7K engagements "You Can Delay RMDs at Your Job But Only If You Meet This Rule Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement IRA 401k RMD required minimum distribution RMD age age [--] how to take an RMD when to taken an" [YouTube Link](https://youtube.com/watch?v=T4Svz-BLNqA) 2026-02-02T14:30Z 321K followers, [----] engagements "If Youre in Your 20s Do This With Your Money (Your Future Self Will Thank You) (Clip) Watch the full video here: https://www.youtube.com/watchv=9E1-0JGrXqg Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing fidelity" [YouTube Link](https://youtube.com/watch?v=U-YIpaq7hgs) 2026-02-01T16:45Z 321K followers, [----] engagements "Middle-Class Retirement: What No One Tells You But You Deserve to Know 00:00 - Intro 00:29 - The Myth of the Middle Ground 01:17 - The New Middle-Class Retirement Reality 02:10 - The Emotional Undercurrents of Middle-Income Retirement 02:47 - Common Financial Fears and How to Combat Them 02:51 - Fear #1: Outliving Your Savings 03:27 - Fear #2: Healthcare Costs Blowing Up Your Plan 03:47 - Fear #3: Maintaining Your Lifestyle 04:07 - Real Strategies for Middle-Income Retirement 04:10 - Downshift Dont Downsize 04:39 - House Hacking or Multi-Generational Living 04:57 - Geo-Arbitrage 05:23 -" [YouTube Link](https://youtube.com/watch?v=U9t5u8wdrno) 2025-07-31T13:45Z 320K followers, 128.4K engagements "The Average Investor Underperforms the Market by 36% Every Year Heres Why Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing spending in retirement retirement retirement spending patters fear fear based fear in" [YouTube Link](https://youtube.com/watch?v=YQU2uAXg_zg) 2026-02-06T14:30Z 322K followers, [----] engagements "The Good The Bad & The Ugly About Target Date Funds Do you invest in target date funds Do you plan on sticking with them indefinitely Thanks for watching @ErinTalksMoney I appreciate you Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Looking for more money videos I post new videos every week subscribe to my channel: https://www.youtube.com/c/ErinTalksMoney While you are here why not check out some of my other videos: The Passive Income Lie:" [YouTube Link](https://youtube.com/watch?v=Z3xvQhz7s_s) 2022-11-11T14:45Z 322K followers, 14.5K engagements "How to Do a Roth Conversion - Avoid Taxes and Future RMDs Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing roth conversion traditional IRA roth IRA roth or traditional avoid taxes future RMDs RMD age required" [YouTube Link](https://youtube.com/watch?v=_H_0QxAjId0) 2025-02-04T14:45Z 321K followers, 16.8K engagements "The Wealth Crossover Point: When Your Portfolio Grows Faster Than You Can Contribute Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing compounding wealth wealth milestones compounding interest compound growth" [YouTube Link](https://youtube.com/watch?v=_mEFBFR_2Ok) 2026-02-07T16:30Z 322K followers, 13.6K engagements "Kids Learn Money Habits by Age [--] Most Parents Dont Realize This Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money custodial account for kids kids and money the psychology of money" [YouTube Link](https://youtube.com/watch?v=bJaNrfheybA) 2026-02-02T23:30Z 322K followers, [----] engagements "Why Behavior Matters More Than Optimization in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement dividend investing total returns S&P [---] long term retirems dividend only investing dividends in" [YouTube Link](https://youtube.com/watch?v=billtdhuLeI) 2026-02-09T23:30Z 322K followers, [----] engagements "These Social Security Changes in [----] Will Impact MILLIONS (Including YOU) In this full [----] Social Security update we cover the new COLA increase wage base limits maximum benefit changes earnings test thresholds and the new age-65+ tax deduction. I explain how these rules impact retirement income planning Roth conversions IRMAA brackets and taxable Social Security benefits. With Medicare premiums climbing and provisional-income thresholds unchanged these changes matter more than ever. Use this breakdown to optimize your tax strategy and secure stronger retirement income in [----] and beyond" [YouTube Link](https://youtube.com/watch?v=ceUHH-Y9SD0) 2025-12-01T14:45Z 320K followers, 182.3K engagements "Retiring Early Why You Should Plan Retirement in Two Phases (Most People Dont) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy" [YouTube Link](https://youtube.com/watch?v=cmI1CLPtOdg) 2026-02-07T01:30Z 322K followers, 14.8K engagements "$65000 Retirement Income With Two Social Security Checks How Much Portfolio Do You Need Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement social security retirement planning income planning retirement" [YouTube Link](https://youtube.com/watch?v=dJEMmnolaHM) 2026-02-03T20:30Z 322K followers, [----] engagements "Traditional IRA Withdrawals Make Your Social Security More Taxable Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing social security taxes federal tax bill taxes in retirement retirement spending retirement funding" [YouTube Link](https://youtube.com/watch?v=dwO4n8n7GPY) 2025-10-22T22:30Z 321K followers, 21K engagements "What It Takes To Be A High Net Worth Individual What does it take to be a net worth individual Thanks for watching @ErinTalksMoney I appreciate you Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Looking for more money videos I post new videos every week subscribe to my channel: https://www.youtube.com/@ErinTalksMoney While you are here why not check out some of my other videos: Are Americans keeping too much. cash on hand: https://www.youtube.com/watchv=pwP4p_xCXs8&t=83s What" [YouTube Link](https://youtube.com/watch?v=elprNyDesuI) 2022-10-17T13:45Z 320K followers, 46.8K engagements "The First Decade of Retirement Is the Fragile Zone & Heres Why It Matters Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money reverse equity glide path reverse equity retirement retirement" [YouTube Link](https://youtube.com/watch?v=gjKPbZTOJsM) 2026-02-03T23:30Z 322K followers, 11K engagements "Why Your Investment Portfolio Has a Completely Different Job Before and After Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement taxes tax planning in retirement net" [YouTube Link](https://youtube.com/watch?v=glpM1QhHmYQ) 2026-02-01T20:30Z 321K followers, [----] engagements "Why the Stock Market Shouldnt Decide Your Retirement Date Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement" [YouTube Link](https://youtube.com/watch?v=h6cYoewSrHQ) 2026-02-06T01:30Z 322K followers, [----] engagements "Why One Retirement Withdrawal Number Doesnt Work Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement plan how" [YouTube Link](https://youtube.com/watch?v=j69PVWMLVHg) 2026-02-02T20:30Z 321K followers, [----] engagements "NEW $6000 Senior Deduction Phase-Out Range Explained + Real Examples 00:00 - Intro 01:11 - Lets start with the basics 02:36 - EXAMPLE: Single Filer Phase-Out in Action 04:44 - EXAMPLE 2: Married Filing Jointly Phase-Out 07:00 - EXAMPLE 3: Married Filing Jointly Phase-Out (One Senior One Not) 08:39 - What happens if your income hits the top of the phase-out range 10:10 - Bloopers The new $6000 senior deduction from the One Big Beautiful Bill (OBBB) could save older Americans thousands but the phase-out range makes it tricky. In this video I break down exactly how the deduction works who" [YouTube Link](https://youtube.com/watch?v=jS7_N63lXMA) 2025-07-12T15:45Z 319K followers, 38.3K engagements "Financial Education Builds Like Compound Interest and Lasts a Lifetime Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing financial education compound interest compound growth education financial literacy lasts a" [YouTube Link](https://youtube.com/watch?v=jjzcyqkSE1M) 2025-09-26T22:30Z 320K followers, [----] engagements "How Much Can You Gift in [----] The Exact IRS Limit 🎁 Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you" [YouTube Link](https://youtube.com/watch?v=kKxsje-vWIY) 2025-09-14T22:30Z 318K followers, [----] engagements "Why the $6000 Senior Tax Deduction Wont Eliminate Your Social Security Taxes 00:00 - Intro 02:30 - What Does the $6000 Deduction Actually Do 03:07 - Tax Deduction vs. Tax Credit 05:57 - When Does the Deduction Actually Cancel Out Your Social Security Tax 06:11 - Step 1: Understand the Deductions That Wipe Out Taxes 06:37 - Step 2: Reverse-Engineer the Income Threshold 07:45 - Now Here's Where We Hit a Hiccup 08:01 - Why the Numbers Don't Seem to Add Up 09:01 - By Contrast: How SSA Measures Income 12:20 - Let's Be Honest About What This Deduction Really Does 12:58 - What This Deduction Does Do" [YouTube Link](https://youtube.com/watch?v=m2GSifJ0wlM) 2025-07-17T13:45Z 320K followers, 141.6K engagements "Early Retirement Is Riskier Than You Think (3 Critical Risks You Must Plan For) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy" [YouTube Link](https://youtube.com/watch?v=mGSflf9PTOc) 2026-02-05T01:30Z 322K followers, [----] engagements "Be Flexible With Retirement Spending (One Fixed Withdrawal Is a Mistake) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe" [YouTube Link](https://youtube.com/watch?v=nH7ZA48O94U) 2026-02-05T23:30Z 322K followers, [----] engagements "How to Prepare for Health Care Costs in Retirement: Key Steps You Can Take Today Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing long term care retirement retirement stats nursing home assisted living medical costs" [YouTube Link](https://youtube.com/watch?v=p5THs1PyxIQ) 2026-02-10T14:30Z 322K followers, [----] engagements "How to Use Rule 72(t) to Retire Early: The Penalty-Free Way to Access Your 401(k) Before [--] Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing early retirement funding an early retirement rule 72T 401k 401k access" [YouTube Link](https://youtube.com/watch?v=pvhSmEdX9zQ) 2026-02-03T14:30Z 322K followers, [----] engagements "How to Set Up Your Childs Financial Life by Age [--] (Even If Youre Not Rich) How do you set up your childs financial life the right way without being overwhelmed or needing to be wealthy In this video I walk through how to thoughtfully set up your childs financial foundation by age five focusing on what actually matters: protection structure automation and healthy money behaviors. We cover the essential financial steps every parent (or grandparent) should consider including estate basics guardianship beneficiary planning credit freezes for children and the few accounts that make the most sense" [YouTube Link](https://youtube.com/watch?v=qHWWxAHiZpo) 2026-01-28T14:45Z 320K followers, 56.9K engagements "Are You on Track [--] Key Milestones for a Secure Retirement Interview with Bill Bengen: https://youtu.be/pX2xtNsCDZ8si=5NoD43eRHFfTpUTQ 00:00 - Intro 00:40 - [--]. Saving 25x Your Annual Expenses 02:40 - [--]. Reaching a $0 Mortgage Balance by Retirement 03:34 - [--]. Funding an HSA to the Max (and Investing It) 04:33 - [--]. Hitting Social Security Eligibility with [--] Years of Work History 06:52 - [--]. Building a 2-3 Year Retirement Cash Buffer 07:54 - [--]. Diversifying Retirement Income Streams 09:51 - [--]. Catching Up on Retirement Contribution at Age 50+ 10:48 - [--]. Your Portfolio Covers Essential Expenses" [YouTube Link](https://youtube.com/watch?v=qP1KAnssuPU) 2025-07-09T13:45Z 319K followers, 177.5K engagements "Vanguard Retirement Guardrails The Dynamic Spending Strategy #vanguard #vanguardtactics #retire Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement vanguard retirement guardrails guard guardrails wealth" [YouTube Link](https://youtube.com/watch?v=qPDnEIo0f20) 2024-10-19T14:01Z 320K followers, [----] engagements "The Government Will Give Your Child $1000 to Invest New Trump Accounts Explained Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money Trump accounts new Trump accounts explained government" [YouTube Link](https://youtube.com/watch?v=sQLTg9hxNr4) 2026-02-09T01:30Z 322K followers, [----] engagements "Retirement Isnt About a Perfect Age or Number - Heres What Actually Matters Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy retirement withdrawal" [YouTube Link](https://youtube.com/watch?v=vuuvDR7D0rk) 2026-01-28T23:30Z 320K followers, [----] engagements "EXPLAINED: Inherited IRA & 401(k) Spousal Rules Guide to RMDs Rollovers & Tax Deadlines 00:00 Intro 00:58 Step 1: The Fast Decision Map 01:04 [--]. What type of account is it 01:35 [--]. When did your spouse die relative to their Required Beginning Date (RBD) 02:24 [--]. Are you the sole beneficiary spouse 02:48 One last filter to keep in mind your age matters too 03:27 Step 2: Core Options for Spouses (IRAs) 03:30 Option A: Treat the IRA as Your Own (Spousal Rollover) 06:09 Option B: Remain a Beneficiary (Inherited IRA in Your Name) 06:24 Now heres how the rules break down 08:40 Option C: Elect the" [YouTube Link](https://youtube.com/watch?v=xnMvHHSKGJQ) 2025-11-12T14:45Z 321K followers, 20.2K engagements "The Tax Torpedo Explained (In Plain English) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money tax torpedo morningstar roth conversion roth ira roth account roth contribution financial" [YouTube Link](https://youtube.com/watch?v=z96i0Ga7Q4I) 2026-02-04T01:31Z 322K followers, [----] engagements "The #1 Retirement Mistake Couples MakeAnd How to Avoid It 00:00 Intro 00:35 Looking at the Stats 01:31 Why It Happens 02:28 Uncertainty About Retirement Savings 03:38 Why Couples Misjudge the Retirement Number 04:45 What Happens When Couples Arent Aligned 05:31 The Emotional Fallout 06:04 Data Snapshot: The Bigger Picture 06:46 How Couples Can Get on the Same Page Nearly half of couples disagree on when to retireand over 50% cant agree on how much they need to save. In this video we explore the #1 retirement planning mistake couples make why it causes emotional and financial tension and how" [YouTube Link](https://youtube.com/watch?v=zNUevUdPpnk) 2026-01-23T14:45Z 319K followers, 27.8K engagements "The Perfect Withdrawal Rate for Early Retirement: Retire in Your 30s (or Any Age) Boglehead VPW Retirement Worksheet: https://docs.google.com/spreadsheets/d/14h82Y8Mgij0JQmf64cNCjt_5gofXMaN6e4R72-dvjJw/editgid=308924096#gid=308924096 VPW-Accumulation-And-Retirement-Worksheet 00:00 Intro 00:45 Variable Percentage Withdrawal 01:54 Key Features of the VPW 05:17 Advantages of VPW 08:04 Disadvantages of VPW 09:43 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes" [YouTube Link](https://youtube.com/watch?v=-6aAW9v8-X4) 2024-11-15T14:45Z 322K followers, 36.1K engagements "Retire at [--] [--] Ways to Fund Early Retirement Without Penalties or Tax Surprises 00:00 - Intro 00:42 - [--]. Taxable Brokerage Accounts 2:12 - [---] Taxable Brokerage Accounts in Real Life 03:08 - [---] Why You Still Pay Tax Even on Qualified Dividends 05:29 - [---] - What these investments could grow to and why tax strategy matters 09:04 - [--]. Roth IRA Conversion Ladder 10:06 - [---] Why This Works So Well for FIRE 11:00 - 2.3.1 Roth Contributions 11:24 - 2.3.2 Roth Conversions 12:33 - [--]. Rule of [--] 15:16 - [--]. Substantially Equal Periodic Payments 18:39 - [--]. Roth IRA Contributions 22:37 - Bloopers Want" [YouTube Link](https://youtube.com/watch?v=0Oc1uz5XcGc) 2025-06-30T13:45Z 322K followers, 175.6K engagements "Youll Probably Never Need More Than $5 Million Heres Why How much money do you really need to retire comfortably even generously In this video we break down real-world data on income net worth and spending habits of wealthy households to answer one of the most common retirement planning questions: what is actually enough Using realistic spending benchmarks Social Security income and modern withdrawal strategies we walk through why most people will never need $10 million $15 million or $20 million to live an incredible retirement. Youll see how spending naturally plateaus even at high net" [YouTube Link](https://youtube.com/watch?v=0zE_0w9-nd4) 2026-01-06T14:45Z 322K followers, 354.4K engagements "The Most Common Roth Conversion Question And Why It Misses the Truth Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money roth conversion roth conversion strategy traditional ira vanguard" [YouTube Link](https://youtube.com/watch?v=1B1XMOP1eVs) 2026-02-05T20:30Z 322K followers, 10.1K engagements "Average 401(k) Balances by Age [----] (Vanguard) Are You on Track or Falling Behind 00:00 Intro 01:05 Average 401(k) Balance by Age 02:23 Average 401(k) Balance by Income 03:05 What Should You Aim For 04:51 Savings Rate by Age 05:39 Strategies by Age 07:59 Maximize Your Growth Potential 08:59 Avoid the biggest Mistakes 10:39 The Takeaway 11:32 Bloopers Are you saving enough for retirement 📈 In this video we break down the average 401(k) balances by age in [----] (Vanguard data) and reveal where most people stand. Learn how to catch up maximize employer matches and boost your retirement savings" [YouTube Link](https://youtube.com/watch?v=34ZSKBZYggI) 2025-02-26T14:45Z 322K followers, 119.1K engagements "The Most Common Retirement Missteps And How to Avoid Them Featuring @MoneyGuyShow 00:00 Intro: Why Retirement Planning Matters 01:14 Misstep #1: Claiming Social Security Too Early 07:25 Misstep #2: Spending Too Much or Too Little in Retirement 12:44 Misstep #3: Poor Tax Planning & Withdrawal Strategy 21:09 Misstep #4: Underestimating Health Care & Longevity Risk 29:06 Misstep #5: Sequence of Returns Risk & Poor Portfolio Strategy 38:43 Closing Thoughts: Dont Be Reactive Have a Plan Nearly half of retirees fear running out of money but many of those worries come from avoidable mistakes. In" [YouTube Link](https://youtube.com/watch?v=3uLpg-GaUC8) 2025-08-27T14:00Z 322K followers, 197.9K engagements "How to Upgrade Your Life Without Wrecking Your Finances Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement net worth expenses that really matter housing car payment wealth childcare college costs" [YouTube Link](https://youtube.com/watch?v=4C-Rwmryrd0) 2026-02-12T23:30Z 322K followers, [----] engagements "The Retirement Income Showdown No One Talks About: Social Security vs. Annuities vs. 401(k) 00:00 - Intro 00:51 - Social Security 03:03 - Annuities 04:52 - Annuity Example vs 4% Rule 07:00 - 401(k) / IRA 09:48 - Pensions 11:48 - Putting It All Together 13:25 - Bloopers Not all retirement income streams are created equal. In this video we break down the pros and cons of Social Security annuities pensions and 401(k)/IRAshighlighting how each one impacts your spending confidence in retirement. Learn which income sources provide predictability flexibility and peace of mindand how to build a" [YouTube Link](https://youtube.com/watch?v=4XflS6-pwU4) 2025-09-19T13:45Z 322K followers, 52.1K engagements "Major Social Security ReformWEP and GPO Eliminated How Are You Affected 00:00 Intro 00:58 Windfall Elimination Provision 01:49 Social Security Calculation -AIME 03:02 Example - No WEP & WEP 04:46 WEP Exemptions & Adjustments 06:00 Government Pension Offset 06:27 Example - GPO - Spousal & Survivor 08:57 WEP & GPO Repeal 10:40 Implementation Timeline 12:14 Bloopers Social Security Customer Service: 800-772-1213 Calculator to see how WEP & GOP would have altered Social Security benefits: https://www.ssa.gov/prepare/government-and-foreign-pensions Big changes are coming to Social Security The" [YouTube Link](https://youtube.com/watch?v=5gnY04SPCMQ) 2024-12-27T15:15Z 322K followers, 279.3K engagements "The 5-Year 401(k) Strategy That Can Build $1.4M+ 00:00 - Introduction 00:35 - 401(k) Contribution Limits For [----] 02:13 - Traditional Vs. Roth 401(k) 02:58 - Big Bonus 03:37 - Vanguard 04:05 - Maxed Out 401(k) 04:55 - Why Going Hard Early Works So Well 05:00 - Scenario [--] (Ages 2530) 05:43 - Scenario [--] (Ages 3035) 07:41 - What If You Start Later 07:57 - Scenario [--] (Ages 4045) 08:25 - Scenario [--] (Ages 5055) 08:56 - Scenario [--] (Ages 6065) 10:50 - Things You Can Do 11:38 - Bloopers Can saving aggressively for just [--] years really transform your retirement In this video we break down the 2025" [YouTube Link](https://youtube.com/watch?v=6dlKX434-4Y) 2025-07-04T13:45Z 322K followers, 163.8K engagements "Retire With $1M Die With $5M (The Data Will Shock You) 00:00 Intro 00:58 The Story of the 4% Rule 02:55 The Upside Reality 03:29 The 96% Stat That Changes Everything 04:41 Real-Life Example 07:02 Spend Your Upside Framework 08:40 The Flexibility Checklist 10:09 The Big Takeaway 11:13 Caveats & Interpretations 11:20 Historical Results Arent Guarantees 11:29 Nominal vs. Real Dollars 11:43 Sequence Risk Is Real 12:02 Flexibility Matters 13:28 Bloopers Retirees are often shocked to learn that following the classic 4% withdrawal rule doesnt just protect their savings it often means they die with" [YouTube Link](https://youtube.com/watch?v=6m_hOqW4kao) 2025-11-27T14:45Z 322K followers, 128.3K engagements "Why Social Security Matters More Than You Think Even If Youre Wealthy Discover why Social Security matters more than you think even if youre wealthy. This video breaks down how much of your retirement income is likely to come from Social Security at different income levels using real data and clear examples. Learn how spending patterns inflation and portfolio withdrawals all shape your financial future and why this guaranteed income stream remains a cornerstone of retirement planning. Perfect for anyone serious about building long-term financial security. 00:00 Intro 00:53 How much Social" [YouTube Link](https://youtube.com/watch?v=6nMJMVlUfL4) 2025-11-21T14:45Z 322K followers, 38.1K engagements "The Social Security Decision That Changes Your Entire Retirement Income (Real Numbers) How much income will you really have in retirement and how much does Social Security timing change the outcome In this video we walk through real retirement income scenarios to show how when you claim Social Security how you coordinate benefits with a spouse and how you withdraw from your investment portfolio can dramatically reshape your retirement income for decades. Using real numbers we break down how claiming Social Security early vs delaying to age [--] impacts monthly and annual benefits how spousal" [YouTube Link](https://youtube.com/watch?v=7NyCO6pzOAU) 2026-01-22T14:45Z 322K followers, 69.7K engagements "These [--] Retirement Tax Groups Predict Your Entire Financial Future Most retirees dont realize that retirement taxes dont behave like working-year taxes. In this video we break down the five retirement tax groups that determine whether you face higher RMDs Social Security taxation Medicare IRMAA penalties and the dreaded tax torpedoor whether you avoid them entirely. Youll learn how Roth conversions withdrawal sequencing and Social Security timing can dramatically reduce lifetime taxes lower Medicare premiums and extend the life of your portfolio. We walk through real examples including how" [YouTube Link](https://youtube.com/watch?v=8J-VGbbEpJM) 2026-02-02T14:45Z 322K followers, 59K engagements "Becoming a Millionaire Takes Patience More Than Anything Else Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money becoming a millionaire millionaire habits getting rich savings rate building" [YouTube Link](https://youtube.com/watch?v=9nfM7af80mw) 2026-02-10T23:30Z 322K followers, [----] engagements "Roth Conversions After Claiming Social Security Early (Youre Not Out of Options) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement taxes roth conversion roth strategy widows" [YouTube Link](https://youtube.com/watch?v=Ab-_iBHX8Wc) 2026-02-08T01:30Z 322K followers, [----] engagements "The Lie Were Sold About Retirement Income Most retirement advice focuses on one thing: building a large investment portfolio so you can live off your investments. But when you look at the data that story doesnt match how retirement actually works. In this video we break down where retirees really get their retirement income using research from the Health and Retirement Study the Congressional Research Service and real-world retiree behavior. Youll learn why most retirees dont follow the 4% rule why many retirees withdraw little or nothing from their investment portfolios and how Social" [YouTube Link](https://youtube.com/watch?v=BNfCxlZNjHc) 2026-01-26T14:45Z 322K followers, 103.4K engagements "The Smart Way to Take Money Out of Retirement Accounts When You Have a Pension How should you withdraw from retirement accounts when you have a pension The answer is far more nuanced than Roth first or traditional first and getting it wrong can quietly cost you hundreds of thousands of dollars in lifetime taxes. In this video I walk through a real retirement case study of a 55-year-old retired military individual with a $50000 pension $750000 in Roth accounts and $800000 in traditional retirement accounts. Step by step I explain the best-practice withdrawal strategy how pensions change the" [YouTube Link](https://youtube.com/watch?v=BYPd5fne4lM) 2026-02-04T14:45Z 322K followers, 72.7K engagements "Buying Health Insurance in Early Retirement Start With the ACA Marketplace Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money cobra health insurance health care healthcare healthcare in" [YouTube Link](https://youtube.com/watch?v=CtM22NhWuOA) 2026-02-10T01:30Z 322K followers, [----] engagements "The Biggest Retirement Risk Isnt the Market - Its This Mistake Most retirees worry about how much they can safely withdraw but far fewer think about when those withdrawals begin. In this video we break down why the year you retire can dramatically impact your retirement income and why relying on a rigid rule like the 4% rule can create unnecessary risk. Using real data and research-backed retirement strategies we explain sequence of returns risk why early retirement years matter more than most people realize and how a bad market year does not have to lock you into lower income for life. Youll" [YouTube Link](https://youtube.com/watch?v=CyAlXieGLe4) 2026-01-27T14:45Z 322K followers, 97K engagements "The Shocking Cost of Long-Term Care (And Who Actually Pays for It) 00:00 - Intro 00:44 - How Much It Actually Costs 02:28 - What Are The Odds of Needing Care 05:08 - Who Actually Pays For Care 07:59 - Bloopers Long-term care costs are skyrocketing in [----] but most families arent prepared. In this video we break down the true costs of nursing homes assisted living and memory care plus what Medicare actually covers (and what it doesnt). Learn the real odds youll need long-term care how much it really costs and who ends up paying the bill. If you want to plan smarter for your future this video" [YouTube Link](https://youtube.com/watch?v=ERIfxnZ50gg) 2025-08-24T15:45Z 322K followers, 12.5K engagements "New 401(k) Rule Coming in 2026: What You Need to Know if You Earn Over $145K 00:00 Intro 00:29 Roth IRAs Have Income Limits But Roth 401(k)s Dont 01:27 Whats Changing 04:18 Employer Plan Implications 05:03 Edge Cases 05:49 Why $145000 06:33 Revenue 06:54 Likely Higher Earners 07:18 Practical Implications & Gotchas 08:39 Example Walkthrough 11:22 Why Should You Should Care 12:47 Roth Employer Matching Contributions 14:54 Bloopers Starting in [----] if youre age 50+ and earning more than $145000 your 401(k) catch-up contributions must be made as Roth (after-tax) meaning no deduction today. This" [YouTube Link](https://youtube.com/watch?v=FZuwpz2mmk8) 2025-10-03T13:45Z 322K followers, 186.3K engagements "Can I Retire at [--] with $400K in a 401K 00:00 Intro 00:40 Setting The Stage 01:15 Social Security Foundation 01:45 The Portfolio Question 02:16 Assumptions Were Making 02:21 Spending Patterns 03:24 Portfolio Returns 03:39 Putting It All Together 04:00 3% Withdrawal Scenario 05:45 4% Withdrawal Scenario 07:29 Adding A Military Pension 08:37 5% Withdrawal Scenario 10:01 Tiered Withdrawal Strategy 12:15 Higher Real Rate Of Return 15:42 Bloopers Wondering if you can retire at [--] with $400000 in your 401(k) In this video we break down exactly how far $400K can take you in retirement how much" [YouTube Link](https://youtube.com/watch?v=FrGnpmPiWGM) 2025-10-08T13:45Z 322K followers, 325.6K engagements "The Hidden Cost of Fear in Retirement (Data-Backed) This video reveals the hidden cost of fear in retirement and how it quietly impacts your money your time and your quality of life. Using data-backed research from Vanguard JP Morgan RAND Fidelity and Morningstar I break down why so many retirees underspend delay retirement and make fear-driven financial decisions that shrink their long-term security. Youll learn how fear affects withdrawal rates investment behavior retirement spending patterns and the memories you create or miss in your go-go years. If you want a retirement plan grounded in" [YouTube Link](https://youtube.com/watch?v=GRBqympyBoc) 2025-12-08T14:45Z 322K followers, 131K engagements "How ACA Subsidies Make Health Insurance Affordable for Early Retirees (If You Control Your Income) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money cobra health insurance health care" [YouTube Link](https://youtube.com/watch?v=GphV4l09K9o) 2026-01-11T23:30Z 321K followers, [----] engagements "Can You Convert Your RMD to a Roth IRA The IRS Rule You MUST Know (Clip) Watch the full video here: https://youtu.be/90TjbiGuEVE 00:00 - Intro 00:38 - Roth Conversion 03:54 - Account-Type Specifics Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal" [YouTube Link](https://youtube.com/watch?v=GvHzQGTQ5pc) 2025-11-02T16:45Z 322K followers, 25.9K engagements "What If You Retired at [--] [--] [--] [--] Heres EXACTLY What Happens. Discover how the age you retire completely transforms the income your portfolio can safely generate using real backtested returns from [--------]. In this video we break down the exact retirement income youd get retiring at [--] [--] [--] and [--] using Rule 72(t) the Rule of [--] and a 4.7% safe withdrawal rate. Youll see how contributions compounding and market recovery impact long-term wealth and retirement security. If you're planning early retirement or evaluating the best age to step away from work this full breakdown gives you the data" [YouTube Link](https://youtube.com/watch?v=H1hM7_RrMjE) 2025-12-09T14:45Z 322K followers, 153.6K engagements "WEP & GPO Repealed Get Your Lump SumBut Watch Out for This Tax Surprise 00:00 Intro 00:48 Windfall Elimination Provision (WEP) 01:23 Government Pension Offset (GPO) 01:55 Takeaway 02:24 Social Security Fairness Act Goes into Effect 04:15 Payment Details 04:35 Social Security Official Notices 05:10 When to Contact SSA 05:40 Create an Account Online 06:24 What if You Never Applied Spousal or Survivor Benefits 07:35 Understanding Retroactive Payments 08:01 Taxes & Medicare Premiums 09:28 Staying Up To Date 10:13 Bloopers Link to SSA thread:" [YouTube Link](https://youtube.com/watch?v=IU6A1Z5my74) 2025-03-05T14:45Z 322K followers, 76.3K engagements "Are You on Track for Retirement T. Rowe Price Reveals the Numbers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing investing rate savings rate how much should I save net worth by age t rowe price ready for" [YouTube Link](https://youtube.com/watch?v=KpZucz0nN_I) 2025-10-24T00:30Z 321K followers, [----] engagements "How Far Will $250K $500K $750K or $1M Take You in Retirement What does retirement really look like with $250K $500K $750K or $1M in savings In this video I break down how much income each portfolio can generate how Social Security benefits change the picture and what kind of lifestyle those numbers can actually support. Whether youre planning for financial independence or simply want to know if your retirement portfolio is on track this data-driven walkthrough will show you how far your money can truly take you. 00:00 Intro 00:36 The $250000 Household 04:26 The $500000 Household 08:40 The" [YouTube Link](https://youtube.com/watch?v=LT4FGTRgBLo) 2025-11-18T14:45Z 322K followers, 126.2K engagements "How Millions Retire With Little or No Savings (And Still Make It Work) 00:00 Intro 01:09 Median Retirement Savings by Age 02:40 When Do People Retire 04:37 When Do People Claim Social Security 05:12 How Much is the Average Check 07:17 Median Household Income for Seniors 08:27 Housing & Mortgages 09:34 Debt Beyond the Mortgage 11:22 Spending in Retirement 13:45 Older Americans Still Working 15:44 Important Message 18:55 Bloopers Most retirees dont have $1 million saved in fact the typical household enters retirement with closer to $200000 or less. In this video we break down the real numbers" [YouTube Link](https://youtube.com/watch?v=OlllftzZxuc) 2025-09-16T13:45Z 322K followers, 284.4K engagements "Roth Conversions in 2025: How to Use the New $6000 Senior Deduction to Cut Taxes 00:00 - Intro 00:33 - What's not changing 01:19 - What did change 01:38 - The New $6000 Senior Deduction 03:31 - So What Does This Have to Do with Roth Conversions 05:02 - Roth Conversion Strategy for a Married Couple 06:66 - Now Let's See What Happens if They Convert More 08:47 - No Rate Hike in [----] - But [----] Still Matters 10:42 - How the New Senior Deduction Affects Roth Conversions 12:38 - Bloopers If you're [--] or older a brand-new $6000 senior deduction starting in [----] could save you thousands on Roth" [YouTube Link](https://youtube.com/watch?v=PKcWxS1iXhE) 2025-07-10T13:45Z 322K followers, 485.6K engagements "Dont Retire Early Why So Many Regret It - Erin Reacts Business Insider Video Don't Retire Early: https://www.youtube.com/watchv=hbMRv19SkXY 00:00 Intro 01:00 Save Early 03:34 Ditch Debt 04:18 Prioritize Your Health 05:46 Dont Retire Early 08:14 Financial Independence / Retire Early - FIRE 08:57 Have a Job You Love 10:12 Being Prepared for Retirement 11:11 Bloopers Retiring early sounds like a dream but for many it turns into a financial nightmare. In this video I break down Business Insiders Dont Retire Early documentary and the real-life regrets of retirees who werent financially or" [YouTube Link](https://youtube.com/watch?v=Qkzohl6plro) 2025-02-06T14:45Z 322K followers, 193.6K engagements "Shocking Money Stats (2025): How Much the Average American Really Makes Saves & Owes 00:00 Intro 00:30 The profile 03:51 Age and the American Financial Story 05:55 Net Worth by Age 09:41 Pause & Reminder Segment 10:26 Lessons Each Generation Can Teach the Others 10:43 From Boomers Everyone 12:12 From Gen X Everyone 14:02 From Millennials Everyone 15:27 From Gen Z Everyone 17:04 Your Progress vs Everyone Elses 17:27 What-If Scenarios: Projecting Forward 20:24 Bloopers In this video we break down the real money stats of the average American in [----] including income savings debt and net worth." [YouTube Link](https://youtube.com/watch?v=SHXMyj_NCUM) 2025-10-09T13:45Z 322K followers, 141.3K engagements "Is Trump Trying to Kill the FDIC The Truth About His Proposal 00:00 Intro 01:45 FDIC Success 02:25 Bank Supervision 02:54 Trumps Proposal to Change the FDIC 04:32 Pros & Cons 06:33 Previous Administrations 07:55 Expert Opinion 09:43 Consumer Reaction 11:27 Bloopers Is President Trump Trying to Kill the FDIC 🚨 Trumps team has explored the idea of eliminating or restructuring the FDIC the agency that insures bank deposits and protects consumers from bank failures. But what would that actually mean for your money financial stability and the banking system In this video we break down Trumps FDIC" [YouTube Link](https://youtube.com/watch?v=UZYdAhfogqI) 2025-03-21T13:45Z 321K followers, 63.3K engagements "3 Things You Cant Do With RMDs But Most People Try Anyway 00:00 - Intro 00:33 - RMD Rules And Aggregation What You Can And Cant Combine 01:06 - Roth IRAs 01:19 - Inherited Retirement Accounts 01:29 - IRA Aggregation Rules 02:14 - Employer Plans: No Aggregation 02:42 - Special Exception: 403(b) Plans 03:06 - Spouses Must Each Take Their Own RMD On Their Own IRAs 03:36 - Common Mistake Example 04:52 - RMDs Cannot Be Rolled Over Example Of A Costly Mistake 07:06 - Why Roth Conversions Get Tricky At This Age 08:01 - Watch Your Tax Bracket 08:57 - The Spousal Beneficiary Exception Huge Planning" [YouTube Link](https://youtube.com/watch?v=UcmTNZaIp_Q) 2025-07-24T13:45Z 322K followers, 172.2K engagements "Financial Planning After the Loss of a Spouse Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement strategy retirement planning retirement income portfolio income retirement risk safe withdrawal" [YouTube Link](https://youtube.com/watch?v=VOhBsOGz84Q) 2026-02-08T20:30Z 322K followers, [----] engagements "How to Manage Your Money Like the Top 1% Millionaire Budgeting Styles That Build Wealth 00:00 - Intro 00:50 - 50/30/20 01:47 - 60/30/10 02:45 - 70/20/10 03:49 - 80/20 04:34 - 30/30/30/10 05:29 - Zero-Based 06:24 - Anti-Budget 07:17 - What Every Budgeting Style Has In Common 08:04 - Saving And Investing 08:24 - Emergency Fund 10:04 - Retirement Accounts 12:38 - Debt Repayment 14:32 - Brokerage + Freedom Investments 16:43 - Bonus 18:46 - Why This Category Builds Wealth Discover how millionaires actually manage their money using smart intentional budgeting strategies. In this video we break down" [YouTube Link](https://youtube.com/watch?v=Vxgbtg6TQfQ) 2025-07-29T13:45Z 321K followers, 70.3K engagements "VMFXX: Where to Park Cash in [----] for Safety + Yield Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing money market fund high yield where to put cash cash savings savings account where to keep your cash emergency" [YouTube Link](https://youtube.com/watch?v=X-WEslVn8zo) 2025-08-08T00:30Z 322K followers, 24.5K engagements "NEW: [----] Federal Income Tax Brackets & Standard Deduction (Full Breakdown) 00:00 Intro 00:57 Why This Matters 01:20 Segment 1: [----] Tax Brackets 02:28 Segment 2: Standard Deduction Updates 02:56 Example 1: Married Filing Jointly $150000 of Income 03:37 Effective tax rate vs. marginal tax rate 04:43 For seniors aged [--] and older 06:51 Example 2: Married Filing Jointly Both Age 65+ $150000 of Income 08:56 Segment 3: The Chained CPI Effect 12:18 Segment 4: How the [----] Brackets Compare to Previous Years 13:55 Segment 5: Non-Taxable Income Streams 18:19 Bloopers The IRS has released the new 2026" [YouTube Link](https://youtube.com/watch?v=XGt5jPbSPFg) 2025-11-03T14:45Z 322K followers, 257.9K engagements "Planning Roth Conversions You May Need to Rethink Your Investing Strategy Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money 401k strategy retirement investing 401k investments how to" [YouTube Link](https://youtube.com/watch?v=Xuuvwqnopd4) 2026-02-10T20:30Z 322K followers, [----] engagements "Why You Should Never Miss an Opportunity to Fund a Roth IRA Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement accounts roth ira contribution limits traditional ira backdoor roth" [YouTube Link](https://youtube.com/watch?v=YHD53SzOXwg) 2026-02-11T01:30Z 322K followers, 11.1K engagements "The RMD Tax Trap No One Warned You About (And How You Can Avoid It) 00:00 - Intro 00:52 - Set The Stage 01:25 - The RMD Snowball 03:03 - RMDs Dont Happen In A Vacuum 04:15 - Why Retirement Income Keeps Rising 05:20 - The Problem: When Income Becomes A Burden 05:29 - Higher Tax Bracket 05:43 - Medicare Premiums 05:55 - More Of Your Social Security Becomes Taxable 06:06 - Lose Access To Credits Or Deductions 06:29 - The Warning 07:02 - The Solution Set 07:13 - Start With Roth Conversions 07:48 - Make The Most Of The Gap Years 08:14 - Diversify Your Tax Buckets 09:04 - The Best And Worst Uses" [YouTube Link](https://youtube.com/watch?v=bC8CkHUXBUo) 2025-08-28T13:45Z 322K followers, 206.4K engagements "Vanguard Says 58% Can't Afford Retirement - Retirement Report Explained 00:00 Intro 00:46 Vanguards Numbers 02:57 Why These Numbers Feel Wrong 05:52 What We Should Take Away 10:45 Bloopers Vanguards latest retirement report claims that 58% of Americans wont be able to maintain their standard of living in retirement but does the data tell the full story In this video I break down Vanguards findings explain how they calculated retirement income and reveal why the numbers may not reflect the real financial picture for retirees. Well cover Social Security benefits savings and investment" [YouTube Link](https://youtube.com/watch?v=bGOFfQ5Msss) 2025-11-04T14:45Z 322K followers, 44K engagements "Social Security: Exactly How Taxes on Benefits Impact Your Retirement Provisional Income EXPLAINED 00:00 Intro 00:33 Provisional Income 01:37 Provisional Income Formula 02:10 Why 50% 03:38 Example - Provisional Income Calculation 04:24 Social Security Tax Brackets 05:15 Social Security Tax Calculation Example 07:34 Federal Tax Bill Understanding how Social Security benefits are taxed can help retirees make smarter financial decisions. This video breaks down provisional income tax thresholds and how up to 85% of benefits may be taxable for higher earners. Learn how the system strives for" [YouTube Link](https://youtube.com/watch?v=cIaiXvoa_fs) 2024-11-29T14:45Z 322K followers, 112.5K engagements "Opening a Custodial Account for Your Child Know These [--] Things First Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money custodial account for kids kids and money the psychology of money" [YouTube Link](https://youtube.com/watch?v=cNlSIlHhxYk) 2026-02-07T23:30Z 322K followers, [----] engagements "Retirement & Pension: A Guide to Planning with Guaranteed Income How A Pension Shapes Your Retirement Plan: 00:00 Pensions & Retirement Planning 01:01 Guaranteed Income Stream 02:05 Reduced Savings & Greater Flexibility 03:49 Protections 05:19 Longevity Risk Mitigation 05:49 Calculating A Pensions Value 07:06 Incorporating Pension Into Net Worth 07:34 Employer Stability Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice." [YouTube Link](https://youtube.com/watch?v=eSXiwkDnWGY) 2024-07-12T13:45Z 322K followers, 187.4K engagements "$500K Retirement: Social Security + WithdrawalsWhats Sustainable (Data Backed) 00:00 - Intro 00:49 - Morningstar Frameworks 3:20 - Setting The Stage For The Portfolio 5:59 - 3.7% Withdrawal 8:20 - 4.2% Withdrawal 10:43 - 5.1% Withdrawal 14:14 - The Comparison 16:48 - Closing 17:53 - Bloopers Unlock a sustainable retirement income strategy with real numbers: we test Morningstars 3.7% safe withdrawal rate against 4.2% (skip the raise after down years) and 5.1% guardrails on a $500000 50/50 VFIAX/BIV portfolio. See how Social Security with COLA pairs with portfolio withdrawals from 20072024" [YouTube Link](https://youtube.com/watch?v=eguDhsfVBJY) 2025-11-10T14:45Z 322K followers, 45K engagements "84% of Retirees Are Making This RMD Mistake Dont Be One of Them Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing RMD rmd age retirement retirement spending wealth wealth in retirement spending in retirement RMD" [YouTube Link](https://youtube.com/watch?v=f9UvM_uqtpY) 2025-12-10T20:30Z 321K followers, [----] engagements "The Most Important Year in Retirement: What to Do (and Avoid) in Year One Deep Dive 0:00 Intro 0:44 Retirement Isnt a Vacation 3:04 Track Spending Closely 5:01 Build a Cash Reserve & Bucketing Strategy 7:23 Optimize Social Security & Withdrawal Timing 9:17 Stay Physically Socially & Mentally Active 11:44 Review Estate Legal & Healthcare Documents 13:17 Roth Conversions & Tax Planning 14:42 Protect Against Fraud & Scams 16:28 Medicare Enrollment Deadlines 17:04 Rebalance Your Portfolio 18:44 Common Retirement Mistakes 19:04 Overspending in the Honeymoon Phase 20:27 Selling in a Downturn 22:14" [YouTube Link](https://youtube.com/watch?v=fKwdVViErzs) 2025-08-22T13:45Z 322K followers, 157.8K engagements "Early vs. Late Retirement: The Truth About What Speeds Up or Slows Your Timeline Understanding your true retirement timeline isnt about guessing an age its about knowing the real financial and lifestyle factors that accelerate or delay your ability to retire. In this video we break down how savings rate investment growth spending levels Social Security timing and unexpected detours like job loss or health issues shape your retirement date far more than income alone. Youll see how small decisions like increasing your savings rate lowering fixed expenses delaying Social Security or working a" [YouTube Link](https://youtube.com/watch?v=gAH0mRNCbyE) 2025-12-16T14:45Z 322K followers, 91.1K engagements "How Far Will $250K $500K $750K or $1M Take You in Retirement - for a Single Earner Retiring with $250K $500K $750K or $1M This data-driven guide shows how much income you can expect how timing your Social Security claim impacts your budget and what a sustainable withdrawal rate really looks like. Perfect for anyone planning retirement or optimizing income from savings pensions or investments 00:00 Intro 00:54 The $250000 Household (Single Edition) 03:45 Phased Retirement Example (Single Retiree with $250K) 07:13 The $500000 Household (Single Edition) 09:16 $500000 with a Pension Example 11:17" [YouTube Link](https://youtube.com/watch?v=j9VrnQFYue0) 2025-11-24T14:45Z 322K followers, 156.9K engagements "$3000 vs $5000 vs $10000 a Month in Retirement - How Much Do You REALLY Need to Retire How much do you really need to retire The answer depends far less on scary headline numbers and far more on your monthly retirement spending and guaranteed income sources. In this video I break down exactly how much retirement savings you need if you plan to spend $3000 $5000 $7000 or $10000 per month in retirement using real data-driven assumptions and factoring in Social Security which is often ignored in traditional retirement advice. Youll see how Social Security income dramatically reduces the size of" [YouTube Link](https://youtube.com/watch?v=jHZuH1ulxnI) 2026-02-03T14:45Z 322K followers, 111.3K engagements "Do You Have Enough Saved T. Rowe Prices Retirement Targets From [--] to [--] (Clip) Watch the full video here: https://youtu.be/tojXzVM0JcA Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing t rowe price how much do i" [YouTube Link](https://youtube.com/watch?v=lK5m7U1vZwk) 2025-10-26T15:45Z 321K followers, 33.8K engagements "Maximize Your RMD & Reduce Taxes: Charitable Contributions Distributions Explained Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing required minimum distribution RMD reduce taxes QCD qualified charitable" [YouTube Link](https://youtube.com/watch?v=lQKckv5tFs4) 2025-01-28T14:45Z 322K followers, [----] engagements "Single EXACTLY How Much You Need to Retire at [--] [--] [--] & [--] (Based on Real Retirees Spending) 00:00 Intro 00:38 Spending Evolves Throughout Retirement 02:04 Single Individual Retiring 02:54 Retiring at [--] Claiming Social Security at [--] 05:45 Retiring at [--] Claiming Social Security at [--] 06:58 Retiring at [--] Claiming Social Security at [--] (FRA) 09:47 Retiring at [--] Claiming Social Security at [--] (FRA) 11:20 Retiring at [--] Claiming Social Security at [--] 12:00 Build the Perfect Portfolio for You 14:19 Bloopers Wondering how much a single person needs to retire at [--] [--] [--] or [--] In this video I" [YouTube Link](https://youtube.com/watch?v=mYiXocLStao) 2025-04-23T13:45Z 322K followers, 139.5K engagements "Real Numbers vs. Headlines: How Many Retirees Actually Need Long-Term Care Most headlines claim that 70% of retirees will need long-term care but the real data tells a very different story. In this video Erin Talks Money (Erin Moriarity) breaks down the truth behind those statistics what long-term care actually means and how todays retirees are really paying for healthcare in retirement. Youll learn how to plan for rising medical and assisted-living costs how Medicare and Medicaid fit in and when (or if) long-term-care insurance makes sense. Perfect for anyone planning retirement income tax" [YouTube Link](https://youtube.com/watch?v=mb1VPz-neRM) 2025-12-03T14:45Z 322K followers, 34.5K engagements "The [--] Habits All Millionaires Share Backed by Federal Reserve Data Everyone online has advice on how to become a millionaire but very little of it is backed by real data. In this video we go straight to the source: the Federal Reserves Survey of Consumer Finances (SCF) the most detailed dataset on U.S. household wealth income assets and debt. Using Federal Reserve data we break down the five habits real-world millionaires actually share including savings rates investing behavior use of tax-advantaged accounts housing decisions and how long it really takes to build wealth. This analysis looks" [YouTube Link](https://youtube.com/watch?v=mrl87eXIRuo) 2026-01-07T14:45Z 322K followers, 366.8K engagements "Retiring Early Your Retirement Risk Changes Over Time (Heres How to Plan for It) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy" [YouTube Link](https://youtube.com/watch?v=ntT5RcFAu4U) 2026-02-08T23:30Z 322K followers, [----] engagements "THIS Is the Perfect Age to Retire (Backed by Data) And the #1 Mistake to Avoid 00:00 Intro 00:46 When Do People Retire 01:06 Early Retirement 02:38 Working Longer Than Planned 03:17 Common Regrets of Early Retirees 03:54 Claiming Social Security Early 05:24 Lost Sense of Purpose 05:42 Delayed Retirement Regrets 06:35 The Good News 07:10 The Role of Financial Security 07:51 The Perfect Age to Retire 08:35 Personal Take 09:32 How to Retire On Time 11:27 Bloopers Wondering when to retire In this video we reveal the perfect retirement age based on real data and uncover the top regrets of people" [YouTube Link](https://youtube.com/watch?v=oMSmh-kKVUc) 2025-04-25T13:45Z 322K followers, 396.4K engagements "Annuities EXPLAINED: Why People Hate Them (and When They Actually Work) (Deep Dive) 00:00 - Intro 00:29 - What Are Annuities 02:17 - The Types of Annuities 06:49 - Why Annuities Can Make Sense 10:16 - Why People Say Theyre a Bad Deal 16:38 - Surrender Charges & Liquidity 18:53 - The Tax Angle 20:41 - The Balanced Truth 21:45 - Practical Guidelines 22:42 - Strong Alternatives to Annuities 25:35 - Myths vs. Facts Quick Fire 30:54 - Bloopers Thinking about annuities in retirement In this deep dive we break down why annuities have such a bad reputation high fees complexity and lack of flexibility" [YouTube Link](https://youtube.com/watch?v=pCVdD2YNrjM) 2025-10-17T13:45Z 322K followers, 83K engagements "Where to Draw Money First in Retirement: The Optimal Order (HSA Roth Brokerage IRA) 00:00 - Intro & The Four Buckets 00:42 - Setup & Assumptions (67 balances SS spending 5% return) 01:23 - How Each Bucket Is Taxed (HSA Roth Traditional LTCG) 02:25 - Deductions & OBBB (2025 single filer) 02:50 - The High-Level Draw Order (Ages 6772) 03:10 - HSA Rules You Must Know 04:24 - Protect the Roth (Let It Compound) 04:35 - Age 73+: RMDs Roth-Last QCDs 05:01 - Why This Order Usually Wins (3 reasons) 06:36 - Brokerage-First at 67: Run the Numbers 08:11 - $0-Tax Roth Conversion: How Much Can You Do 09:56" [YouTube Link](https://youtube.com/watch?v=qRUgltsgOuo) 2025-10-06T13:45Z 322K followers, 188.4K engagements "Maximize Your Retirement Dollars With The 3-Bucket Strategy 00:00 Intro 01:18 [--] Bucket Strategy 01:43 Cash Bucket 04:05 Income Bucket 06:13 Growth Bucket 07:43 [--] Bucket Example Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you #3bucketstrategy #retirement" [YouTube Link](https://youtube.com/watch?v=qfIWKL4zpSw) 2024-05-20T13:45Z 322K followers, 150.6K engagements "This Real-World Spending Pattern Could Let You Retire Sooner Than You Think Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement spending guardrails spending retirement spending smile decline in" [YouTube Link](https://youtube.com/watch?v=sR0SGPoHVrQ) 2026-02-07T20:30Z 322K followers, [----] engagements "Exactly How Much to Withdraw in Retirement by Age (With Examples) 0:00 Intro 0:50 The 4% Rule And Its Limits 1:33 Why Age Really Matters 2:06 Safe Withdrawal Rates by Retirement Age 2:24 40-Year Retirement: Retiring at [--] 5:42 30-Year Retirement: Retiring at [----] 6:27 20-Year Retirement: Retiring at 70+ 7:21 10-Year Retirement: Bridge Period / Very Late Retirement 8:26 Why Using the Wrong Withdrawal Rate Is Risky 9:13 What Else Affects Your Withdrawal Rate 10:11 So Whats the Right Withdrawal Rate for You 11:53 Bloopers Wondering how much you can safely withdraw from your retirement savings" [YouTube Link](https://youtube.com/watch?v=sYBWPygajgY) 2025-08-14T13:45Z 322K followers, 69.8K engagements "Rule 72(t) Explained How to Retire Before [--] (Without Penalties) Rule 72(t) is one of the most misunderstood early-retirement tools but when used correctly it lets you access IRA or 401(k) money years before age [--] without paying the 10% penalty. In this video we break down the three IRS-approved SEPP methods show you real examples using todays interest rates and walk through the exact rules you must follow to avoid retroactive penalties. Whether youre planning FIRE retiring after a layoff or simply want flexibility before [--] this guide shows where Rule 72(t) fits into a smart" [YouTube Link](https://youtube.com/watch?v=tqk-VpIV7Vg) 2025-12-04T14:45Z 322K followers, 45.5K engagements "The [--] Retirement Numbers Everyone Should Know Especially If Youre Starting Late Unlock the five essential retirement numbers that matter far more than your total savings your spending Social Security savings rate tax bracket and time horizon. This data-driven guide shows how these numbers shape your withdrawal strategy income plan and long-term financial security even if you're starting late. Learn how to calculate your real spending needs maximize guaranteed income avoid hidden tax traps and build a retirement plan that lasts 30+ years. If you want clarity confidence and a step-by-step" [YouTube Link](https://youtube.com/watch?v=vxrTN4RUhpY) 2025-12-24T14:45Z 322K followers, 149.4K engagements "Can You Take Your RMD and Put it Directly into a Roth Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing required minimum distribution RMD RMD age roth account avoid RMD traditional account traditional to roth what to" [YouTube Link](https://youtube.com/watch?v=zEap-tciBds) 2025-02-20T14:45Z 321K followers, 11.2K engagements "The Financial Advice Everyone Follows Is Keeping You Broke Most people stress over lattes and subscriptions but the truth is your entire financial life comes down to just five major expenses. In this video I break down the Big Five costs that determine whether you build wealth retire comfortably and stay financially secure. Youll learn how housing cars healthcare childcare and lifestyle inflation quietly shape your retirement plan and how adjusting even one of them can dramatically accelerate your financial independence. If you want practical research-backed strategies to reduce financial" [YouTube Link](https://youtube.com/watch?v=2B2g08cTn-A) 2025-12-17T14:45Z 322K followers, 393.1K engagements "My Favorite Investment Account & Only 35% of Investors Use It 00:00 Intro 01:08 Brokerage Account 01:43 IRA 03:43 Employer Sponsored Plans 04:48 Brokerage Account 05:55 Unrestricted Access 07:52 Taxes & Fees 09:13 Interest On Cash Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for" [YouTube Link](https://youtube.com/watch?v=5vJ0Kif6OT4) 2023-07-03T13:45Z 322K followers, 397.3K engagements "How Much $1M $2M and $3M REALLY Give You in Retirement (With & Without Social Security) This video breaks down exactly how much income you can expect in retirement with $1 million $2 million or $3 million using real numbers with and without Social Security. Youll see how different withdrawal strategies spending patterns and tax ruleslike RMDs Roth conversions and IRMAA thresholdscan dramatically change your long-term retirement income. We compare traditional withdrawal rates with higher starting withdrawals based on the latest retirement spending research so you can understand what your" [YouTube Link](https://youtube.com/watch?v=60-sFFBTBbQ) 2025-12-05T14:45Z 322K followers, 241.3K engagements "If You Dont Want to Leave a Legacy Youre Planning Retirement Wrong This video breaks down a data-driven retirement planning strategy for people who do not want to leave a legacy and are tired of overly conservative advice that leads to dying with unused money. Using real retirement research and practical examples this walkthrough explains how to safely spend more in retirement without running out of money even in uncertain markets. We explore why traditional advice like the 4% rule and legacy-focused planning often overstates how much retirees actually need especially for households without" [YouTube Link](https://youtube.com/watch?v=77lQV0jrVY4) 2026-01-29T14:45Z 322K followers, 146.5K engagements "RMD Rules Are Different Your First Year Heres What Changes Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing first year how to take an RMD RMD age first year RMD RMD first year [--] RMD when to take an RMD RMD rules" [YouTube Link](https://youtube.com/watch?v=7YN7nuoRlZY) 2025-10-05T19:45Z 322K followers, [----] engagements "If You Dont Want to Leave a Legacy Spend MORE in Early Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe" [YouTube Link](https://youtube.com/watch?v=8D9TZUNsroQ) 2026-02-04T23:30Z 322K followers, [----] engagements "$2.5 Million 401(k) Dont Let RMDs Wreck Your Retirement Withdrawal Strategy 00:00 - Intro 00:38 - The Rules: When RMDs Start and How They Work 02:30 - When RMDs Collide with Your Withdrawal Strategy 03:39 - Example: The $2.5 Million Account 05:21 - You Dont Have to Spend It 07:00 - Roth Conversion 10:16 - Account-Type Specifics 10:47 - Watch Out for Tax Side Effects 11:23 - Using RMD Dollars for Education 13:13 - Conclusion 14:24 - Bloopers Required Minimum Distributions (RMDs) can create unexpected tax burdens and disrupt even the best retirement withdrawal strategies. In this video we break" [YouTube Link](https://youtube.com/watch?v=90TjbiGuEVE) 2025-10-13T13:45Z 322K followers, 101K engagements "Married with Unequal Incomes Max Out Social Security with This Strategy 00:00 Intro 00:24 Example 02:54 Key Takeaways 03:40 Steps to Coordinate Effectively Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing social" [YouTube Link](https://youtube.com/watch?v=927RG7wg58w) 2025-08-17T15:45Z 322K followers, 233K engagements "Fidelity Just Revealed What You Should Do in Every Decade to Retire on Your Terms Fidelitys [----] data reveals the roadmap to retire on your terms from saving and investing in your 20s to creating reliable income in your 60s. In this video I break down decade-by-decade benchmarks Roth vs. pre-tax strategies catch-up contributions and withdrawal planning all backed by real data and actionable steps. Whether youre building wealth or protecting it youll learn how to design a retirement plan thats flexible tax-smart and built to last. 00:00 - Intro 01:12 - In Your 20s Build Your Foundation 02:06 -" [YouTube Link](https://youtube.com/watch?v=9E1-0JGrXqg) 2025-11-17T14:45Z 322K followers, 89K engagements "Can You Avoid RMDs Smart Strategies to Maximize (or Skip) Your Required Minimum Distributions 00:00 Intro 01:13 RMD Age 01:44 RMD Table Life Expectancy Table 02:32 Penalty for not taking RMD 02:50 Convert IRA to Roth IRA 03:51 5-Year Rule 05:22 Qualified Charitable Distribution 06:11 QCD Requirements 06:32 Keep Working 09:02 Bloopers Wondering if you can avoid taking your Required Minimum Distributions (RMDs) or how to handle them if you dont need the money In this video we break down the rules strategies and tax implications of RMDs including whether you can transfer them into a Roth IRA." [YouTube Link](https://youtube.com/watch?v=CnIcqoIhEKI) 2024-12-18T14:45Z 322K followers, 97.6K engagements "9% Withdrawal in Retirement EXACTLY When Its Just as Safe as 4% 00:00 Introduction 01:04 Historical Data + Safe Withdrawal Rate Table 03:02 Example #1 Couple Retires at [--] (15-Year Bridge) 06:06 Example #2 Single Retires at [--] (10-Year Bridge + Lifetime Gap) 08:15 What Safe Actually Means 10:03 How the Mix of Risks Changes 11:19 Framework: How to Apply This in Real Life 13:55 Key Caveats 15:11 Recap 16:07 - Bloopers Most people think the 4% rule is the limit but what if you could safely withdraw 7% 8% or even 9% in retirement In this video I break down how the safe withdrawal rate actually" [YouTube Link](https://youtube.com/watch?v=DSyOgav51MU) 2025-11-06T14:45Z 322K followers, 78.9K engagements "Why Most People Arent Ready for Retirement Even When the Numbers Work Most people think retirement readiness is all about savings and portfolio size but the real danger is being financially prepared and lifestyle unprepared. In this video I walk you through the 5-pillar Retirement Lifestyle Scorecard to help you evaluate your purpose health daily structure community and financial alignment. Youll learn why even well-funded retirees struggle and how to create a retirement plan that actually supports the life you want. If youre [---] years from retirement this framework is essential. 00:00 Intro:" [YouTube Link](https://youtube.com/watch?v=Fjbly6-cdNg) 2025-12-29T14:45Z 322K followers, 42.5K engagements "Inherited IRA & 401K Rules 2025: The 10-Year Rule RMDs & Deadlines (Step-by-Step Deep Dive) 00:00 Intro 00:54 Why This Matters 01:42 Step [--] 03:40 Case A 06:36 Example For Case A 08:10 Case B 11:16 Example For Case B 13:24 Estates Charities Trusts 15:46 Key Deadlines & Mechanics 18:54 Takeaways & Action Steps 20:20 Closing 21:08 Bloopers Confused about inherited IRA and 401(k) rules in [----] This video breaks down the new 10-Year Rule RMD deadlines and tax strategies every non-spouse beneficiary needs to know. Well cover the key differences depending on whether the deceased had already begun" [YouTube Link](https://youtube.com/watch?v=IbPkU6Lsvro) 2025-10-22T13:45Z 322K followers, 42.8K engagements "Higher Retirement Income Now vs Small Cuts Later: A Smarter Withdrawal Trade-Off Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing michael kitces withdrawal strategy withdrawal rate spending in retirement kitces" [YouTube Link](https://youtube.com/watch?v=KeZ9tg_fL3A) 2026-02-08T16:30Z 322K followers, [----] engagements "JPMorgan Says Stop Chasing $1M: How Much Should YOU Have Saved by Income JP Morgan Study: https://am.jpmorgan.com/content/dam/jpm-am-aem/global/en/insights/retirement-insights/guide-to-retirement-us.pdf 00:00 - Intro 00:54 - Why those rates are suggested 03:03 - The Checkpoint Tables 06:19 - J.P.Morgan's assumptions 06:44 - Withdrawal Strategy 07:59 - Single Earner Example 14:42 - Dual Income Example 18:22 - Bloopers Learn how much your household should save at each age using J.P. Morgans retirement checkpoints by incomein todays dollars. We cover why 5% vs 10% savings can work how Social" [YouTube Link](https://youtube.com/watch?v=Ki1Og8Q5-Ls) 2025-09-06T15:45Z 322K followers, 165.2K engagements "I Withdrew 5% a Yearand Still Doubled (S&P [---] Test) 00:00 - Intro 00:41 - Setup & Assumptions 01:55 - Example A Annual Start-of-Year Withdrawal 03:03 - Month-by-month returns 03:56 - Example B Monthly Start-of-Month Withdrawals 04:54 - Key Point #2 Monthly Over Annual 05:47 - Why the Monthly Advantage Happens 07:20 - How the Gap Can Behave in Tough Years 08:23 - Additional Points Worth Making 11:00 - Practical Implementation 13:11 - Bloopers Withdraw in retirement without killing growth. I model a $500000 S&P [---] Total Return portfolio (dividends reinvested) from [--------] taking 5%/yr and" [YouTube Link](https://youtube.com/watch?v=LTySQT3qzUQ) 2025-09-12T13:45Z 322K followers, 232.3K engagements "The Shocking New Retirement Number for 2025And Why 91% of Americans Miss The Fidelity Benchmark 0:00 Intro 0:33 The 10x Income Rule And Why Few Hit It 2:32 The Shift in Retirement Expectations 4:14 Income-Based vs. Expense-Based Planning 6:36 What If Im Way Behind Can I Catch Up 7:55 Social Security Changes the Math 11:09 The Million Dollar Myth 12:13 Bloopers Wondering how much you really need to retire In [----] the new retirement number is a shocking $1.26 millionyet 91% of Americans fall short of this Fidelity benchmark. In this video we break down why the target is so high why most people" [YouTube Link](https://youtube.com/watch?v=OMUkX2H4tBs) 2025-05-05T13:45Z 322K followers, 353.7K engagements "EXPLAINED: The Widows Tax Penalty What Every Spouse Must Plan For 00:00 - Intro 00:50 - Qualifying Surviving Spouse 01:16 - Brief Timeline Walkthrough 01:18 - Year Of Death You Can Still File As Married Filing Jointly 01:30 - First Year After Death 01:55 - Second Year After Death 01:59 - Third Year After Death And Beyond 03:10 - Why This Matters For Retirees 03:41 - Example 07:03 - Example [--] - Bill Passes Away 12:41 - Planning Ahead 12:46 - Model The Single Filer Scenario 13:03 - Consider Strategic Roth Conversions While Youre Still Married And In Lower Tax Brackets 13:23 - Manage RMD Growth" [YouTube Link](https://youtube.com/watch?v=SGBL9HM-eTs) 2025-09-08T13:45Z 322K followers, 245.2K engagements "What to Do in Your First Year of Retirement Complete Step-by-Step Guide 00:00 - Intro 0:39 - What to DO in Your First Year of Retirement 0:49 - [--]. Build Routine and Purpose 3:05 - [--]. Track Spending Closely 4:59 - [--]. Create a Cash Reserve & Use a Bucketing Strategy 7:21 - [--]. Optimize Social Security and Withdrawal Timing 9:18 - [--]. Stay Physically Socially and Mentally Active 11:41 - [--]. Revisit Estate Legal and Health Care Documents 13:15 - [--]. Consider Roth Conversions and Tax Planning 14:38 - [--]. Use Tech to Protect Your Accounts 16:28 - [--]. Check Medicare Enrollment Deadlines 17:04 - 10." [YouTube Link](https://youtube.com/watch?v=U-nvYDzd6y0) 2025-12-02T14:45Z 322K followers, 130K engagements "The Hidden Math: How Retirees With $1M End Up With $5M 00:00 - Intro 00:36 - Retirement Realities vs. the Mythical Number 02:34 - Example 1: A Retired Couple 03:17 - Example 2: A Single Retiree 04:05 - Example 3: A Comfortable Couple 04:57 - The Bigger Point 06:33 - Why Many Retirees End Up Wealthier Than They Began 07:28 - The 4% Rule in Practice 09:21 - Real-World Behavior: The 2% Withdrawal Rate 10:18 - The Core Tension 10:50 - Why $1 Million May Be Too Much for Many 13:30 - A Practical Framework 14:50 - Bloopers Most retirees fear running out of money but new research shows the opposite" [YouTube Link](https://youtube.com/watch?v=WThDBH0Mgmo) 2025-08-25T13:45Z 322K followers, 592K engagements "Dont Retire With Just Your 401(k): The Ideal Retirement Mix of Roth Traditional and Taxable If you want a smoother more flexible and more tax-efficient retirement you cannot rely on a single account like a 401(k). In this video we break down the ideal mix of retirement accounts Roth Traditional and Taxable and why the right blend can save you tens or even hundreds of thousands of dollars over your retirement. Well cover how tax diversification actually works why RMDs can explode once your portfolio climbs above $1 million and how retirees use different buckets to control their tax bracket" [YouTube Link](https://youtube.com/watch?v=WxaGoxPl_9k) 2025-12-22T14:45Z 322K followers, 229.7K engagements "Vanguards Secret to Spending More in Retirement A New Withdrawal Strategy to Maximize Cash Flow Vanguard Dynamic Spending Strategy Video: https://advisors.vanguard.com/insights/article/show-clients-that-yes-they-can-spend-more-in-retirement 00:00 Intro 00:39 Vanguards Dynamic Withdrawal Strategy 01:30 Choose Initial Withdrawal 03:12 Overview of Dynamic Spending 03:54 Vanguard Video Example 05:07 Example Assumptions 06:33 Example 08:53 Market Is Up More Often 09:19 How This Strategy Compares Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof" [YouTube Link](https://youtube.com/watch?v=XR_MAoJ9QXs) 2024-10-18T13:45Z 322K followers, 270.4K engagements "$6000 Tax Break for Seniors: How Much YOU Save at EVERY Income Level 00:00 - Intro 00:42 - The New Senior Deduction Explained 02:47 - SSA Statement & Policy Framing 03:41 - Quick Note Before We Dive In 04:03 - Example #1: Single Senior Earning $60000 06:00 - Example #2: Married Couple One Senior One Not 08:33 - Married Couple Both Age [--] With Phase-Out 09:36 - So How Does The Phase-Out Work 11:42 - Married Couple Both Age [--] - High Income 13:45 - Outro Big tax news for retirees A new $6000 senior deduction takes effect in [----] and in this video we break down how much it saves you at every" [YouTube Link](https://youtube.com/watch?v=_YofyDUz4S0) 2025-07-08T13:45Z 322K followers, 365.9K engagements "Social Security Spousal Benefits Explained When To Claim To Maximize Your Payouts 00:00 Intro 01:14 - When Can You Claim 04:04 - No Increase Past FRA 04:43 - Survivor Benefits 05:17 - Deemed Filing 06:54 - Switching Between Personal Benefit & Spousal Benefit 09:50 - Ex-Spouses 10:56 - Government Pension Offset 11:58 - Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join" [YouTube Link](https://youtube.com/watch?v=bMuv5xpF984) 2024-12-04T14:45Z 322K followers, 348.5K engagements "Are You Making this RMD Mistake 84% Of Retirees Are NerdWallet Required Minimum Distribution Calculator: https://www.nerdwallet.com/article/investing/social-security/required-minimum-distributions JPMorgan Chase Bank - No More Free Checking https://www.youtube.com/watchv=nwWnp1r-3gw 00:00 Intro 03:41 Calculating RMDs 06:19 Taxes 07:15 Preservation of Wealth 09:41 Supplemental Income 10:06 Legacy Planning Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to" [YouTube Link](https://youtube.com/watch?v=c8lrEYkD2Qs) 2024-08-05T13:45Z 322K followers, 1.4M engagements "How Many Retirees Actually Have $1M in Investments (Excluding Their Home) How many Americans really have $1 million in net worth once you take their home out of the equation In this video we break down the latest Federal Reserve data to show how many households and retirees actually reach millionaire status in investable assets. Youll see why home equity skews the numbers what percentage of retirees hold $1M+ in portfolios and why context like cost of living and withdrawal rates matters so much. If youre planning for retirement this deep dive will help you understand what $1 million really" [YouTube Link](https://youtube.com/watch?v=cTtxtqlwZ1o) 2025-11-05T14:45Z 322K followers, 415.9K engagements "Step-by-Step Guide to Tax-Efficient Retirement Withdrawals: Social Security Roth IRAs & 401(k)s 00:00 Intro 00:39 Timing the Withdrawal 01:36 Things to Consider - Required Minimum Distributions 02:02 Things to Consider - Bucket Strategy 02:33 Things to Consider - Tax Efficiency 03:56 Looking at Tax Deductions & Tax Brackets 04:59 Example 06:13 Reduce Future RMDs 07:10 Example While Claiming Social Security 09:56 Up Market vs Down Market 11:24 Bloopers Learn how to create a tax-efficient retirement withdrawal strategy with this step-by-step guide This video covers real-life examples of how to" [YouTube Link](https://youtube.com/watch?v=f4_Xr_IPkms) 2025-01-01T14:45Z 322K followers, 367.9K engagements "The True Cost of Retiring With a Mortgage What It REALLY Means for Your Retirement Plan Retiring with a mortgage isnt unusualbut it has major implications for your cash flow your Social Security strategy and the long-term sustainability of your portfolio. In this video I use decades of research to show how many retirees enter retirement with debt what todays housing costs look like for people in their 60s and 70s and how even a modest mortgage payment can compound into a six-figure financial obligation. Youll learn the true cost of carrying debt into retirement and how to build a stronger" [YouTube Link](https://youtube.com/watch?v=jQEEmKsKJCw) 2025-12-11T14:45Z 322K followers, 62.6K engagements "What Happens To Social Security When You Retire at [--] 00:00 Intro 01:30 Self Funding 02:55 Reduced Benefit for Claiming Early 03:21 Increased Benefit for Delayed Claiming 03:48 Impact of Retiring at [--] on Social Security 04:33 AIME - Average Indexed Monthly Earnings 04:55 Social Security Example with [--] Years of Earnings 06:18 Example - Claiming Early 06:47 Example - Delayed Claiming 07:07 Impact of $0 Earning Years 07:49 Opportunity Cost 09:24 Wage Indexing 11:08 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please" [YouTube Link](https://youtube.com/watch?v=l36eemW7LOI) 2024-10-04T13:45Z 322K followers, 1.8M engagements "Retiring Before [--] This Is How People Actually Afford Health Insurance Healthcare is one of the biggest and most misunderstood obstacles to early retirement. In this video we break down how early retirees actually pay for health insurance before Medicare using real ACA subsidy math clear examples and up-to-date policy context. Youll learn how ACA premium tax credits work why subsidies are income-based not asset-based and how early retirees can legally manage MAGI to reduce healthcare costs. We walk through single vs married household examples explain the ACA subsidy cliff and show what could" [YouTube Link](https://youtube.com/watch?v=lsxxWGpc_fE) 2025-12-30T14:45Z 322K followers, 118.8K engagements "Roth IRA Secrets from Americas Top Tax Expert Ed Slotts Retirement Tax Playbook 00:00 - Meet Ed Slott: America's IRA Expert 01:00 - The Biggest Misunderstanding About Retirement Accounts 03:05 - History of Tax Rates & Why It Matters Now 05:00 - Why Your IRA Is a Ticking Tax Time Bomb 07:30 - Tax-Free Growth: Why Roth IRAs Are the Holy Grail 10:50 - The Roth vs Traditional 401(k) Debate 13:00 - Why Future Tax Rates Are Likely to Rise 15:00 - Eds Rule: Dont Waste a Low Tax Bracket 17:00 - What to Do in Your 50s & 60s to Save on Taxes 20:00 - Erins Roth Story & Eds Favorite Roth Benefits 23:10 -" [YouTube Link](https://youtube.com/watch?v=nMPiGLlVhYw) 2025-08-02T15:45Z 322K followers, 355.7K engagements "The Best Way to Train Your Brain to Spend Confidently in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement income 4% rule retirement withdrawal strategy retirement" [YouTube Link](https://youtube.com/watch?v=rtWLo-p5n6M) 2026-02-13T01:30Z 322K followers, [----] engagements "New RMD Rules: Why Retirees Must Rethink Taxes Before Age [--] 00:00 - Intro 01:06 - Whats Changing 02:56 - Effect On Withdrawal Amounts 03:57 - Pros Of The Age [--] RMD 04:03 - More Tax-Deferred Compounding 04:23 - Bigger Tax-Planning Window 05:28 - Qualified Charitable Distributions 06:10 - Potentially Changes Sequence-Of-Returns Risk 07:06 - Still-Working Exception 07:35 - Cons Of The Age [--] RMD 07:43 - Bigger Tax Bombs Later 08:23 - Two-RMDs Trap 09:09 - Estate And Beneficiary Dynamics 10:29 - Many People Treat RMDs As The Spending Rule 10:59 - Distributional Critique 11:34 - Why Did Congress" [YouTube Link](https://youtube.com/watch?v=tSX6YVjUilU) 2025-10-28T13:45Z 322K followers, 100.2K engagements "How Much Money Should I Have Saved by Now (Fidelity T. Rowe Price & Chase Respond) 00:00 - Intro 00:56 - Fidelity (the [---] Rule) 03:46 - Fidelity Assumptions 09:08 - T. Rowe Price (Ranges) 10:29 - How to read the range 14:33 - J.P. Morgan / Chase (Income Checkpoints) 19:02 - $100K Household Example 19:55 - How to Use These Guides 21:00 - Bloopers Are you on track with your retirement savings In this video we compare Fidelitys [---] rule T. Rowe Prices savings ranges and J.P. Morgan Chases income checkpoints to answer the question: How much should you have saved by age [--] [--] [--] and [--] Youll see" [YouTube Link](https://youtube.com/watch?v=tojXzVM0JcA) 2025-10-01T13:45Z 322K followers, 103.2K engagements "How to Calculate the True Value of Your Pension Net Worth Guide (Step-by-Step) 00:00 - Intro 01:11 - The Real Power of a Pension 01:52 - The Hidden Psychological Value 03:08 - How Much Is Your Pension Actually Worth 04:44 - Annual Pension Payment 04:59 - Number of years you expect to receive the pension 05:53 - Discount Rate 07:57 - One More Layer: Inflation Protection 09:56 - What Would It Take to Replace This Pension 10:49 - Why This Matters So Much 11:55 - Bloopers Wondering how your pension fits into your retirement plan In this video Ill show you how to calculate its true value using a" [YouTube Link](https://youtube.com/watch?v=ty4gbcj6XVk) 2025-07-28T13:45Z 322K followers, 210.7K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@erintalksmoney Erin Talks Money
Erin Talks Money has been releasing a flurry of videos on retirement planning, focusing on tax-efficient strategies, required minimum distributions (RMDs), and Social Security benefits. A key theme is helping viewers avoid costly mistakes and maximize their retirement savings. The videos offer actionable advice and insights from experts, covering topics like Roth conversions, pension planning, and sustainable withdrawal strategies.
Engagements: [------] #
- [--] Week [-------] -7.50%
- [--] Month [---------] -32%
- [--] Months [----------] +69%
- [--] Year [----------] +313%
Mentions: [---] #
- [--] Week [---] +15%
- [--] Month [---] -44%
- [--] Months [-----] +196%
- [--] Year [-----] +833%
Followers: [-------] #
- [--] Week [-------] +0.94%
- [--] Month [-------] +5.90%
- [--] Months [-------] +54%
- [--] Year [-------] +138%
CreatorRank: [------] #
Social Influence
Social category influence finance #2541 financial services #344 social networks 5.29% technology brands 5.29% stocks 3.37% countries 0.96% celebrities 0.48%
Social topic influence finance #101, money #654, retirement #44, how to #2613, books #233, social security #11, investment #134, saving #308, amzn #50, tax bracket #294
Top accounts mentioned or mentioned by @moneyguyshow @joekuhnlovesretirement @retirearly500k59 @hamptonfounders @grahamstephan @theprofgpod @thegrahamstephanshow
Top assets mentioned JPMorgan Chase (JPM)
Top Social Posts
Top posts by engagements in the last [--] hours
"Trump Accounts Are NOT What They Seem (Heres the Tax Reality) Trump Accounts for kids are being marketed as a powerful new way to build wealth early but are they really as flexible and beneficial as they sound In this video I break down exactly how Trump Accounts work under IRS tax rules including how theyre funded how the governments $1000 seed money works what happens when the child turns [--] and how these accounts actually function like traditional IRAs with tax-deferred growth and early withdrawal penalties. Well walk through real investment growth examples showing how contributions could"
YouTube Link 2026-02-05T14:45Z 322K followers, 53.9K engagements
"Have After-Tax Basis in an IRA Roth Conversions Can Make Much More Sense Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money roth conversion roth conversion strategy traditional ira vanguard"
YouTube Link 2026-02-11T23:30Z 322K followers, [----] engagements
"A Small Investing Fee Can Cost You Hundreds of Thousands Over a Lifetime Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement financial freedom early retirement how to retire well financial independence"
YouTube Link 2026-02-11T14:30Z 322K followers, [----] engagements
"4 Things That Lower Your Inflation in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money inflation inflation impact inflation in retirement inflation risk homeowner vs renter"
YouTube Link 2026-02-13T20:30Z 322K followers, [----] engagements
"Retiring at [--] Heres a Smarter Alternative to the 4% Rule Most retirement advice assumes one portfolio and one safe withdrawal rate that lasts forever. But real retirement doesnt work that way. In this video I walk through a smarter retirement income strategy for people retiring around age [--] especially those who plan to claim Social Security early and want to spend more in the early years of retirement without increasing the risk of running out of money. Instead of forcing a rigid 4% rule for 30+ years we explore a phased bucket-based retirement spending approach that matches money to when"
YouTube Link 2026-01-13T14:45Z 322K followers, 92.5K engagements
"Retiring Early at [--] How to Plan Your Portfolio in Two Phases Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement social security retirement planning income planning retirement income planning wealth how to"
YouTube Link 2026-02-13T14:30Z 322K followers, [----] engagements
"This Is the Most Underrated Account in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement tax planning tax efficient retirement inheritance taxes 401k roth 401k roth ira brokerage"
YouTube Link 2026-02-09T20:30Z 322K followers, 13.8K engagements
"How Your RMD Changes Every Single Year The Math Behind It Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement IRA 401k RMD required minimum distribution RMD age age [--] how to take an RMD when to taken an RMD"
YouTube Link 2026-02-12T14:30Z 322K followers, [----] engagements
"What $1 Million Really Buys You in Retirement (REAL Income After Taxes) 00:00 - Intro 01:48 - The Classic 4% Rule 03:27 - Other Withdrawal Rates 04:31 - Income + Social Security 05:21 - Taxes & Net Income 06:24 - Example 1: 100% Roth IRA 07:44 - Example 2: 100% Traditional IRA 10:09 - Example 3: 100% Brokerage Account 11:45 - Is This Real 12:56 - Example 4: Blended Portfolio (Roth + Traditional + Brokerage) 14:47 - Comparison Across Portfolio Types 16:19 - Portfolio Mix Matters 17:15 - Lifestyle Reality Check 18:07 - Closing Takeaways 18:54 - Bloopers If youve saved $1 million for retirement"
YouTube Link 2025-10-02T13:45Z 322K followers, 132.9K engagements
"What $300000 Really Looks Like in Retirement (Real Scenarios) What does $300000 really look like in retirement and is it actually enough to retire In this video we walk through real retirement scenarios using the same $300000 investment portfolio and show why the outcome depends far more on income sources timing and withdrawal strategy than on the portfolio balance alone. We compare single retirees married couples early retirees pension recipients and Social Security coordination strategies to demonstrate how a $300000 portfolio can act as a core income source a supplement a bridge or simply"
YouTube Link 2025-12-25T14:45Z 322K followers, 65.3K engagements
"Build a Strong Retirement Income Floor - Worry Less About Your Portfolio Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money social security investment portfolio retirement income strategy"
YouTube Link 2026-02-13T23:30Z 322K followers, [----] engagements
"Why You Need $100K Invested by [--] and What to Do If You Missed It 0:00 Intro 0:52 What Happens If You Hit $100K by Age [--] 1:57 Two Realistic Scenarios to Reach $100K 1:59 Scenario 1: No Employer Match 2:35 Scenario 2: 4% Employer Match on $60K Salary 3:50 Where Gen Z and Millennials Stand 4:45 $25K at [--] Youre Already Ahead 5:30 Missed the $100K by [--] Heres Your Power Move 6:18 The Real Takeaway: Its About Starting 6:45 Later in Life You Have an Edge 9:34 Bloopers Learn how reaching $100K by [--] can unlock Coast FIRE and give you financial freedom later in life. This video explains how"
YouTube Link 2025-05-30T13:45Z 322K followers, 66.8K engagements
"Vanguard UPDATE: The Most Accurate Roth Conversion Strategy Youve Never Been Taught This video breaks down the most accurate Roth conversion strategy using Vanguards new Break-Even Tax Rate (BETR) research a game-changing framework for retirement tax planning and long-term wealth management. Most investors compare todays tax bracket to their future tax bracket but Vanguards BETR analysis reveals a smarter more precise way to decide whether a Roth conversion will increase your after-tax wealth. Youll learn the ONE rule that truly matters plus three hidden factors that influence Roth"
YouTube Link 2026-01-05T14:45Z 322K followers, 367.2K engagements
"Backdoor Roth IRA Explained: What It Is and Why the IRS Allows It (Clip) Watch the full video here: https://youtu.be/IbDEHci_oQo 00:00 What a Backdoor Roth IRA Actually Is (Not a Loophole) 00:26 The Simple Two-Step Backdoor Roth Process 00:49 Why High-Income Earners Are Allowed to Do This 01:37 Who a Backdoor Roth Is Best For 03:02 Who Should Not Use a Backdoor Roth 04:18 Step-by-Step: How to Do a Backdoor Roth Correctly 05:22 Timing vs Clean Conversions (What Actually Matters) 05:52 Why Existing IRA Balances Complicate Everything Some of my favorite books: https://amzn.to/3KF3tlr Camera &"
YouTube Link 2026-02-07T16:45Z 322K followers, 31.2K engagements
"The Truth About Dividend Investing: What Investors Get Wrong at Every Age This video is a complete dividend investing and retirement income guide for every age your 20s 30s 40s 50s and retirement years. Youll learn the real truth about dividend income tax planning RMD rules and retirement withdrawals using a clear data-driven framework. We break down how dividend growth vs portfolio growth yield vs total return and high-yield strategies actually perform in real life. Youll see how dividends inside IRAs dividends inside 401(k)s and dividend withdrawals really work and why reinvested dividends"
YouTube Link 2025-12-23T14:45Z 322K followers, 180.5K engagements
"The Retirement Withdrawal Strategy That Gets You Closest to Die With Zero Most retirement withdrawal strategies are designed to prevent you from running out of money but many unintentionally cause retirees to underspend and die with far more money than they started with. In this video Erin Talks Money breaks down the RMD (Required Minimum Distribution) withdrawal strategy an IRS-based retirement income approach highlighted in Morningstars [----] State of Retirement Income research as one of the most efficient ways to convert retirement savings into lifetime spending. Youll learn how the RMD"
YouTube Link 2026-02-09T14:45Z 322K followers, 65.6K engagements
"Seniors: Heres What the NEW $6000 Deduction Could Save You Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing one big beautiful bill tax savings no tax on social security senior deduction retirement tax savings"
YouTube Link 2025-07-06T17:45Z 322K followers, 20.5K engagements
"Backdoor Roth vs Roth Conversion: How They Work Together Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money backdoor roth ira backdoor roth backdoor roth explained how to do the backdoor"
YouTube Link 2026-02-12T01:30Z 322K followers, [----] engagements
"Why the First [--] Years of Retirement Matter More Than the Next 25+ The first five years of retirement matter more than the next [--] and most people do not realize why until it is too late. In this video we break down new Morningstar research that shows why early market losses and early inflation pose the greatest threat to a successful retirement. Using real data we explain sequence of returns risk why retirement plans often fail early and why timing not average returns determines long term outcomes. You will learn why nearly [--] percent of failed retirement plans experienced losses in the first"
YouTube Link 2026-02-12T14:45Z 322K followers, 56.6K engagements
"When Your Investments Earn More Than Your Job The REAL Wealth Milestone Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing compounding wealth wealth milestones compounding interest compound growth creating wealth rate"
YouTube Link 2026-02-09T14:30Z 322K followers, 21.7K engagements
"Not Owning a Home Could Cost You Your Retirement Many Americans especially younger adults are being priced out of homeownership. But what most people dont realize is that this housing affordability crisis could have serious long-term consequences for retirement security. For decades buying a home has been one of the biggest drivers of wealth creation in the United States. Home equity has historically made up a large portion of household net worth and has served as a critical financial safety net in retirement. Today however rising home prices higher mortgage interest rates growing debt"
YouTube Link 2026-02-11T14:45Z 322K followers, 53.1K engagements
"How Much You REALLY Need to Retire (The 80/70/60 Rule No One Talks About) Discover how much you really need to retire using the 80/70/60 spending framework that reflects how retirees actually livenot outdated rules of thumb. In this video I break down how retirement spending changes over time how Social Security offsets your income needs and how much your portfolio truly has to cover in early mid and late retirement. Youll learn why most people overestimate their retirement number how to calculate your personalized spending needs and how this approach can dramatically reduce the savings"
YouTube Link 2026-02-13T14:45Z 322K followers, 33.3K engagements
"Is It Worth It The Shocking $400K Value of Delaying Retirement by Just One Year 00:00 Intro 00:43 The Heart Of The Decision 01:24 Let's Start With Social Security 03:34 Work Income + Savings Impact 06:21 Increased Savings Contributions 08:54 Workplace Benefits 10:31 The Total Value Of Delaying Retirement By One Year 14:07 But What About Your Time 15:04 Finding Your Retirement Date 16:05 Closing 16:45 Bloopers Delaying retirement by just one year could add $100000 to $400000 to your financial future but is it worth it In this video we break down the surprising value of working one more year"
YouTube Link 2025-06-09T13:45Z 322K followers, 95K engagements
"The Complete Guide to Gifting in 2025: Annual Limits Lifetime Exemptions & Rules Explained 00:00 - Intro 01:04 - The Annual Exclusion 01:58 - The Lifetime Exemption 03:20 - How These Work Together 05:08 - What Counts as a Gift 05:53 - The Special Exceptions 06:04 - Tuition 06:19 - Medical Expenses 06:27 - Gifts to Your U.S. Citizen Spouse 06:42 - Gifts to Qualified Charities 06:52 - Political Contributions 07:16 - Real-World Example $100000 Down Payment 08:10 - Getting Creative With Timing 09:12 - Why This Matters 09:50 - Q&A: Common Gifting Questions 09:57 - Do I Have to Report Gifts or Pay"
YouTube Link 2025-09-05T13:45Z 322K followers, 37K engagements
"Retirement Guardrails: The Strategy That Adapts With the Market (Guyton-Klinger) 00:00 - Intro 00:37 - Why the 4% Rule Falls Short 01:39 - What Is the Guyton-Klinger Strategy 03:20 - Does This Strategy Let You Spend More 04:26 - How Guardrails Actually Work 06:43 - So How Do the Rules Work 09:08 - 5-Year Example 14:04 - Pros and Cons 14:50 - Who Is This Strategy Good For 15:15 - The Behavioral Benefit 16:05 - Bloopers Looking for a smarter way to spend in retirement without running out of money This video breaks down the Guyton-Klinger guardrail strategy a flexible rules-based approach that"
YouTube Link 2025-09-01T13:45Z 322K followers, 39.2K engagements
"Maximize the 3-Bucket Strategy Smart Refilling 00:00 3-Bucket Overview 01:11 How to Replenish Buckets 02:05 Postitive Market 05:07 Negative Market 07:11 Market Summary 08:18 Spending Habits 09:01 Safe Withdrawal Link to 3-Bucket Strategy https://www.youtube.com/watchv=qfIWKL4zpSw&t=585s Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here:"
YouTube Link 2024-05-24T13:45Z 322K followers, 66.8K engagements
"David Bach Reveals: 83% of Retirees Are Making This HUGE IRA & 401(k) Mistake In this in-depth interview Erin Moriarity of Erin Talks Money sits down with legendary personal finance expert David Bach New York Times bestselling author of The Automatic Millionaire to uncover the biggest retirement planning mistakes most Americans make and why simply saving for retirement isnt enough. David Bach shares the behavioral finance principles behind the famous Latte Factor and the powerful concept of paying yourself first to automatically build wealth through your 401(k) IRA and investment accounts."
YouTube Link 2026-02-06T15:30Z 322K followers, 92.7K engagements
"STOP Contributing to Your 401(k) The Truth No One Is Telling You Should you stop contributing to your 401(k) In this video we break down the exact moments when it actually makes financial sense to pause traditional 401(k) contributions and redirect your savings elsewhere. This isnt clickbait its backed by research from Morningstar Vanguard Fidelity the TIAA Institute and the National Bureau of Economic Research. Youll learn why high savers often face higher taxes in retirement how RMDs can push you into unexpected tax brackets and why the classic rule of youll retire in a lower bracket often"
YouTube Link 2026-01-02T14:45Z 322K followers, 375.7K engagements
"Thousands of Retirements One Surprising Result: The Safer Strategy Fails More Often Many retirees are drawn to the bucket strategy because it feels safer setting aside years of cash to avoid selling investments during market downturns. But when we test this approach across thousands of real retirement scenarios spanning more than a century of market data a surprising pattern emerges: the strategies that feel safest often fail more frequently. This video breaks down the research comparing cash bucket strategies to static rebalanced portfolios using long-term retirement data across multiple"
YouTube Link 2026-01-15T14:45Z 322K followers, 114.6K engagements
""$2 Million Is Nothing.It's Pennies In Today's World" 00:00 Intro 01:07 $2 Million Is Nothing - Suze Orman 02:39 Net Worth By Age 02:55 Behind The Numbers 05:02 Disabilities 06:34 The Extreme 07:34 Traditional Retirement 08:37 Budgeting $2000000 10:51 The Motivation 11:52 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here:"
YouTube Link 2024-09-02T13:45Z 322K followers, 238.8K engagements
"Why Money Feels Harder at Every Stage of Life (Behavioral Finance Explained) Why do smart responsible people still feel anxious about money even when they are doing everything right In this video we break down behavioral finance research that explains how saving investing and spending behaviors change across every stage of life and why financial strategies that work at one age often stop working over time. Using Federal Reserve Survey of Consumer Finances data research from Vanguard Morningstar RAND and the Health and Retirement Study along with insights from behavioral economists like David"
YouTube Link 2026-02-10T14:45Z 322K followers, 34.6K engagements
"Safe Withdrawal Showdown: 3.3% vs 4.6% vs 5.5% (Probability Guarantees or History) 00:00 - Intro 00:41 - [--] Methods 01:16 - Method [--] Morningstar 04:31 - Example [--] 05:12 - Method [--] Wade Pfau 08:42 - Example [--] 09:24 - Floor Bucket 11:45 - Method [--] Bill Bengen (Rule of 4%) 14:22 - Example [--] 15:38 - The Comparison 17:40 - The Real Difference 18:05 - Which One Is Right for You 19:10 - Quick Practicals 20:36 - Two Reminders 20:55 - Closing Takeaways 21:52 - Bloopers Unlock your safe withdrawal rate with a head-to-head of Morningstars 3.3%3.7% Monte Carlo Wade Pfaus 4.6% TIPS ladder and Bill Bengens"
YouTube Link 2025-09-25T13:45Z 322K followers, 58.3K engagements
"The Crossover Point: The Exact Moment Your Contributions Dont Matter Anymore 00:00 - Intro 00:49 - The Crossover 02:35 - The Bigger Picture 05:29 - Why This Matters 07:35 - Coast FIRE 09:26 - The Big Investing Milestones 09:36 - The first $10000 invested 10:02 - The first $100000 10:37 - The crossover point 11:06 - Portfolio Return Greater Than Annual Income 12:10 - Hitting your Coast FIRE number 12:28 - One times your annual income saved 12:51 - $1 million net worth 13:18 - Portfolio covers your basic living expenses 13:55 - Portfolio covers your lifestyle expenses 14:20 - Work becomes"
YouTube Link 2025-12-10T14:45Z 322K followers, 554.8K engagements
"Married Dont Claim Social Security Until You Watch This The Smartest Way for Couples to Claim 00:00 Intro 01:10 What Does It Mean to Coordinate Benefits 01:44 Common Scenarios and Strategies 01:58 Different Lifetime Earnings 05:12 Similar Lifetime Earnings 07:44 Both Delay Claiming 09:41 Significant Age Gap 10:12 Older Spouse Lower Earner 11:45 Older Spouse Higher Earner 14:29 The Social Security Bridge Strategy 15:01 Retire Together With a Large Age Gap 16:30 Benefits to Coordinate 17:54 Steps to Coordinate Effectively 18:57 Bloopers Wondering how married couples should claim Social Security"
YouTube Link 2025-06-06T13:45Z 322K followers, 288.6K engagements
"The Ultimate Guide to the Roth IRA 5-Year RuleAvoid Costly Mistakes and Unlock Tax-Free Growth 00:00 - Intro 00:27 - The 5-Year Rule 00:48 - Contributions 01:25 - Under the Age of [--] 02:40 - Over the Age of [--] 04:15 - Conversions 05:07 - Example - Under [--] 05:52 - Example - Over [--] 07:43 - First In First Out Rule 08:25 - The Two 5-Year Rules 08:52 - Roth Laddered Conversion Example 11:05 - Bloopers Unlock the secrets of the Roth IRA 5-Year Rule with this ultimate guide Whether you're making contributions conversions or planning withdrawals this video breaks down the rules you need to know to"
YouTube Link 2025-01-20T14:45Z 322K followers, 56.2K engagements
"The Retirement Masterclass: Avoid Mistakes Build Cash Flow Stress-Test Your Plan 00:00 - Intro 00:27 - Step 1: Know Your Gap 02:11 - Step 2: Maximize Tax-Advantaged Accounts 04:46 - Step 3: Increase Your Savings Rate Now 06:42 - Step 4: Delay Retirement (Even Slightly) 09:14 - Step 5: Reduce Lifestyle Inflation 10:29 - Will Your Plan Hold Up 10:42 - Scenario #1: A Market Crash 12:26 - Running a Monte Carlo Simulation 14:25 - Scenario #2: Living Longer Than Expected 15:58 - Scenario #3: Healthcare Shock 18:24 - Smart Ways to Plan for Retirement Healthcare 19:58 - Scenario #4: Inflation Spike"
YouTube Link 2025-06-21T15:45Z 322K followers, 101.7K engagements
"The Tax Torpedo Explained: Why Middle-Class Millionaires Pay the Most Many retirees are shocked to discover how much they owe in taxes after leaving work especially those with $1$3 million saved in traditional retirement accounts. In this video we break down the tax torpedo and explain why middle-class millionaires often face higher lifetime tax bills than high-income retirees. Using Morningstar research and real RMD modeling youll learn how required minimum distributions Social Security taxation and IRMAA surcharges combine to create a hidden retirement tax trap. We also compare the"
YouTube Link 2026-01-16T14:45Z 322K followers, 278.3K engagements
"The Biggest Cost in Retirement (And You Never Even See It Coming) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing spending in retirement retirement retirement spending patters fear fear based fear in retirement"
YouTube Link 2026-02-12T20:30Z 322K followers, [----] engagements
"I Have $1.5M in My 401(k) Here's What My RMD and Tax Bill Look Like 00:00 - Intro 00:45 - What are RMDs & How do the deadlines work 03:26 - Understanding Provisional Income 04:02 - How much of their Social Security is Taxed 06:51 - What Happens After Your First RMD 09:03 - Can You Reduce Future RMDs 09:13 - Roth Conversions 11:10 - Pros 12:06 - Cons 13:29 - Qualified Charitable Distributions (QCDs) 15:05 - Bloopers If you're approaching retirement with a sizable 401(k) or IRA understanding Required Minimum Distributions (RMDs) is essential. In this video I break down how much you'll be"
YouTube Link 2025-07-16T13:45Z 322K followers, 608.6K engagements
"What Retirement Really Feels Like (No One Warns You About This) with Joe Kuhn & Duane What really happens after you retire emotionally financially and psychologically In this candid retirement roundtable Erin Moriarity @ErinTalksMoney sits down with Joe Kuhn @joekuhnlovesretirement and Duane @retirearly500k59 to unpack the retirement realities most financial media never talks about. From unexpected emotional shifts and identity changes after leaving work to the surprising expenses that show up in retirement this conversation goes far beyond spreadsheets and withdrawal rates. Joe and Duane"
YouTube Link 2026-01-25T16:45Z 322K followers, 64.8K engagements
"Retire Early Delay Social Security: Exactly How the Math Works 00:00 - Into 00:27 - Set-Up 01:29 - Common Misperception 03:01 - Example-1 04:45 - The Buckets 10:29 - Math Check 12:25 - Example-2 15:59 - Math Check 17:38 - Pension 18:20 - Quick Note 20:33 - What to do next 21:57 - Closing 22:17 - Bloopers Retire early without claiming Social Security by using a bridge/bucket strategy that funds your lifestyle now while your benefit grows for a higher inflation-adjusted income floor later. In this video I walk through the exact math (5861 cash ladder [----] invest-to-spend bridge 70+ lifetime"
YouTube Link 2025-11-11T14:45Z 322K followers, 157.8K engagements
"Can You Really Retire on Social Security Alone 00:00 - Intro 00:39 - The Stats & Nuance 01:13 - Lower-income low-asset retirees 01:32 - Middle- and upper-income retirees 02:38 - What Social Security Really Pays 04:46 - Median Household Income 05:58 - Real Household Scenarios 09:30 - How This Compares to Real Retirement Spending 12:22 - The Big Takeaway 16:10 - Bloopers Can you really retire on Social Security alone In this video we break down what the average Social Security check looks like the maximum benefits you can receive and real household examples that show how income distribution"
YouTube Link 2025-10-21T13:45Z 321K followers, 31.7K engagements
"Youre Probably Over-Saving for Retirement (Heres the Data) (Clip) Watch the full video on retirement spending patterns here: https://youtu.be/T2qiVfoixHU Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement"
YouTube Link 2026-01-31T16:45Z 320K followers, 53.6K engagements
"7% Rule vs. 5% + Inflation: The Retirement Income Showdown ($780K vs. $858K) 00:04 - Introduction 00:50 - Setting The Stage 02:34 - Strategy #1 7% Withdrawal Rule 04:49 - Strategy #2 5% + Inflation 07:13 - Comparing The Two 08:40 - Portfolio Balance Swings 09:31 - Withdrawal Swings Matter 12:02 - Pros & Cons Of Each 17:02 Bloopers Retirement income isnt just about how long your portfolio lasts its about how reliable your paycheck feels year after year. In this video we compare the 7% withdrawal rule with the 5% + inflation method across [--] years of real market returns showing how each"
YouTube Link 2025-10-15T13:45Z 320K followers, 54.2K engagements
"ACA Subsidies Expire in 2026: What It Means for Your Health Insurance Costs Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing ACA aca health insurance medicare health insurance expire health care subsidy personal"
YouTube Link 2025-08-01T22:30Z 319K followers, [----] engagements
"Dont Want a Legacy Heres Why You SHOULD Spend Your Principal Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe withdrawal"
YouTube Link 2026-02-03T01:30Z 322K followers, [----] engagements
"Why $300000 Invested Could Mean Youre Already Halfway to Millionaire Status Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing $300000 $100000 millionaire how long to become a millionaire invest like a millionaire"
YouTube Link 2025-10-06T19:30Z 320K followers, 60.8K engagements
"Retirement Is Lived in Phases Your Plan Should Match That Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement income withdrawal rates safe retirement planning spending in"
YouTube Link 2026-02-06T23:30Z 322K followers, [----] engagements
"The Retirement Question Most People Ask Backwards Why does a monthly paycheck feel safer than a large retirement portfolio even when the math says theyre the same In this video we break down the behavioral psychology of retirement income and explain why so many retirees feel anxious spending from investments even when they have more than enough money. Using real examples research-backed insights and clear retirement income tables youll learn why framing your retirement savings as monthly income instead of a portfolio balance can dramatically improve confidence decision-making and overall"
YouTube Link 2026-01-20T14:45Z 319K followers, 82.1K engagements
"The Roth IRA Five-Year Rule Loophole Most People Miss Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money what to do with old 401k old 401k cash out 401k roll over 401k what to do with an"
YouTube Link 2026-02-01T23:30Z 321K followers, 21.7K engagements
"Early Retirement at 50: High Spending Bad Timing and Why This Plan Survived What if you retired early around age [--] into one of the worst possible market environments High inflation. Brutal bear markets. Long drawdowns. And no Social Security yet. In this video we walk through a realistic early retirement strategy using a two-bucket portfolio design that was intentionally stress-tested using historical market returns starting in [----] one of the toughest retirement starting points in modern history. Instead of relying on a single safe withdrawal rate this approach separates retirement into two"
YouTube Link 2026-01-30T14:45Z 320K followers, 44.1K engagements
"The Ultimate Backdoor Roth IRA Guide (Step-by-Step) If youve been told you make too much income for a Roth IRA youve probably heard about the Backdoor Roth IRA and just as likely heard that its complicated risky or easy to mess up. This video is a complete step-by-step Backdoor Roth IRA guide designed to remove confusion and show you how this strategy actually works. In this in-depth breakdown we cover Backdoor Roth IRA rules tax implications Form [----] reporting the pro-rata rule and the most common Backdoor Roth mistakes that trigger unexpected taxes. Youll learn who the Backdoor Roth is"
YouTube Link 2026-01-19T14:45Z 321K followers, 74.9K engagements
"Fidelitys Age-Based Retirement Savings Goals: $980K to $560K Investment Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement saving retirement investing fidelity age based age based retirement fidelity"
YouTube Link 2025-01-09T14:45Z 320K followers, 20K engagements
"High-Asset Retirees: Tax Planning Matters as Much as Your Withdrawal Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement planning when to retire wealthy retiree income in retirement"
YouTube Link 2026-02-04T14:30Z 322K followers, [----] engagements
"3 Simple Steps to a Bulletproof Retirement Plan Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement plan how to"
YouTube Link 2026-02-02T01:30Z 321K followers, 15.7K engagements
"The Health Care Bucket: A Smarter Way to Fund Long-Term Care Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing long term care retirement retirement stats nursing home assisted living medical costs medical costs in"
YouTube Link 2026-02-05T14:30Z 322K followers, [----] engagements
"$110K Salary + Social Security at 67: What Really Happens (Dont Claim Until You See This) 00:00 - Intro 01:18 - Case Setup (67 working already claimed) 01:27 - Current Income (Salary + SS; Pension later) 02:13 - Savings & Contributions (401k + Roth plan) 04:22 - Why Claiming at FRA While Working Has Trade-Offs 05:04 - Taxes on Social Security While Working (85% taxable) 05:30 - Delayed Credits Math (+8%/yr to 70) 06:28 - Senior Bonus Deduction (OBBB) Phase-Out 08:35 - Breakeven Point (82 years) 09:01 - Tax Hit Example (+$7k/yr; brackets) 10:21 - Near-Term vs Long-Term Trade-Off Summary 11:13"
YouTube Link 2025-09-26T13:45Z 320K followers, 42.1K engagements
"Your Loftiest Target Spending: The Maximum Portfolio Youd Ever Need for Your Dream Life Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money high net worth high income FIRE lifestyle wealth"
YouTube Link 2026-02-04T20:30Z 322K followers, [----] engagements
"Only 2030% of People Age This Way Where Do You Stand Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning healthy aging retirement readiness financial income financial"
YouTube Link 2026-02-06T20:30Z 322K followers, [----] engagements
"$3 Million: Heres the Retirement Income People Dont Expect Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you"
YouTube Link 2026-01-13T23:30Z 318K followers, 24.5K engagements
"Why a 50-Year Mortgage Might Lower Your Payment But Hurt Your Wealth Buying a home is harder than ever and many people are wondering whether a 50-year mortgage could finally make housing affordable. In this video I break down the real math behind 50-year loans how they compare to 30-year mortgages and the long-term wealth trade-offs most people never see coming. Well look at monthly payments total interest costs equity growth and what a longer mortgage really means for your financial future and retirement planning. If youre thinking about buying a home in todays market this is the analysis"
YouTube Link 2025-11-25T14:45Z 322K followers, 11.3K engagements
"How to Convert Unused [---] Funds to a Roth IRA Avoid Taxes & Penalties for Retirement Savings 00:00 Intro 00:34 [---] Plan 02:18 [---] to Roth IRA 03:09 Eligibility - Beneficiary Rule 04:56 Eligibility- 15-year Requirement 05:24 The Conversion Process 06:01 Conversion Limits 07:05 Conversion - Example 10:13 Strong Case for a [---] Learn how to convert unused [---] plan funds into a Roth IRA in [----] and avoid taxes and penalties while boosting your retirement savings. This step-by-step guide explains the new SECURE Act [---] rule eligibility requirements and conversion limits helping you make the most of"
YouTube Link 2025-02-10T14:45Z 321K followers, 16.8K engagements
"How Much Money Do You Need to Retire The Real Spending Data Explained Most retirement calculators dramatically overstate how much money you need because they assume a constant spending model almost no retiree actually follows. In this video I break down the five real retirement spending patterns backed by Morningstar JP Morgan RAND EBRI and Federal Reserve data and show how they change your withdrawal strategy safe spending rate and required nest egg. Youll learn how the Spending Smile declining real spending early-retirement surges lumpy expenses and natural guardrails reduce retirement"
YouTube Link 2025-12-19T14:45Z 321K followers, 54.7K engagements
"You Can Delay RMDs at Your Job But Only If You Meet This Rule Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement IRA 401k RMD required minimum distribution RMD age age [--] how to take an RMD when to taken an"
YouTube Link 2026-02-02T14:30Z 321K followers, [----] engagements
"If Youre in Your 20s Do This With Your Money (Your Future Self Will Thank You) (Clip) Watch the full video here: https://www.youtube.com/watchv=9E1-0JGrXqg Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing fidelity"
YouTube Link 2026-02-01T16:45Z 321K followers, [----] engagements
"Middle-Class Retirement: What No One Tells You But You Deserve to Know 00:00 - Intro 00:29 - The Myth of the Middle Ground 01:17 - The New Middle-Class Retirement Reality 02:10 - The Emotional Undercurrents of Middle-Income Retirement 02:47 - Common Financial Fears and How to Combat Them 02:51 - Fear #1: Outliving Your Savings 03:27 - Fear #2: Healthcare Costs Blowing Up Your Plan 03:47 - Fear #3: Maintaining Your Lifestyle 04:07 - Real Strategies for Middle-Income Retirement 04:10 - Downshift Dont Downsize 04:39 - House Hacking or Multi-Generational Living 04:57 - Geo-Arbitrage 05:23 -"
YouTube Link 2025-07-31T13:45Z 320K followers, 128.4K engagements
"The Average Investor Underperforms the Market by 36% Every Year Heres Why Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing spending in retirement retirement retirement spending patters fear fear based fear in"
YouTube Link 2026-02-06T14:30Z 322K followers, [----] engagements
"The Good The Bad & The Ugly About Target Date Funds Do you invest in target date funds Do you plan on sticking with them indefinitely Thanks for watching @ErinTalksMoney I appreciate you Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Looking for more money videos I post new videos every week subscribe to my channel: https://www.youtube.com/c/ErinTalksMoney While you are here why not check out some of my other videos: The Passive Income Lie:"
YouTube Link 2022-11-11T14:45Z 322K followers, 14.5K engagements
"How to Do a Roth Conversion - Avoid Taxes and Future RMDs Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing roth conversion traditional IRA roth IRA roth or traditional avoid taxes future RMDs RMD age required"
YouTube Link 2025-02-04T14:45Z 321K followers, 16.8K engagements
"The Wealth Crossover Point: When Your Portfolio Grows Faster Than You Can Contribute Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing compounding wealth wealth milestones compounding interest compound growth"
YouTube Link 2026-02-07T16:30Z 322K followers, 13.6K engagements
"Kids Learn Money Habits by Age [--] Most Parents Dont Realize This Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money custodial account for kids kids and money the psychology of money"
YouTube Link 2026-02-02T23:30Z 322K followers, [----] engagements
"Why Behavior Matters More Than Optimization in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement dividend investing total returns S&P [---] long term retirems dividend only investing dividends in"
YouTube Link 2026-02-09T23:30Z 322K followers, [----] engagements
"These Social Security Changes in [----] Will Impact MILLIONS (Including YOU) In this full [----] Social Security update we cover the new COLA increase wage base limits maximum benefit changes earnings test thresholds and the new age-65+ tax deduction. I explain how these rules impact retirement income planning Roth conversions IRMAA brackets and taxable Social Security benefits. With Medicare premiums climbing and provisional-income thresholds unchanged these changes matter more than ever. Use this breakdown to optimize your tax strategy and secure stronger retirement income in [----] and beyond"
YouTube Link 2025-12-01T14:45Z 320K followers, 182.3K engagements
"Retiring Early Why You Should Plan Retirement in Two Phases (Most People Dont) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy"
YouTube Link 2026-02-07T01:30Z 322K followers, 14.8K engagements
"$65000 Retirement Income With Two Social Security Checks How Much Portfolio Do You Need Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement social security retirement planning income planning retirement"
YouTube Link 2026-02-03T20:30Z 322K followers, [----] engagements
"Traditional IRA Withdrawals Make Your Social Security More Taxable Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing social security taxes federal tax bill taxes in retirement retirement spending retirement funding"
YouTube Link 2025-10-22T22:30Z 321K followers, 21K engagements
"What It Takes To Be A High Net Worth Individual What does it take to be a net worth individual Thanks for watching @ErinTalksMoney I appreciate you Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Looking for more money videos I post new videos every week subscribe to my channel: https://www.youtube.com/@ErinTalksMoney While you are here why not check out some of my other videos: Are Americans keeping too much. cash on hand: https://www.youtube.com/watchv=pwP4p_xCXs8&t=83s What"
YouTube Link 2022-10-17T13:45Z 320K followers, 46.8K engagements
"The First Decade of Retirement Is the Fragile Zone & Heres Why It Matters Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money reverse equity glide path reverse equity retirement retirement"
YouTube Link 2026-02-03T23:30Z 322K followers, 11K engagements
"Why Your Investment Portfolio Has a Completely Different Job Before and After Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement taxes tax planning in retirement net"
YouTube Link 2026-02-01T20:30Z 321K followers, [----] engagements
"Why the Stock Market Shouldnt Decide Your Retirement Date Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement"
YouTube Link 2026-02-06T01:30Z 322K followers, [----] engagements
"Why One Retirement Withdrawal Number Doesnt Work Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy income in retirement [--] step retirement plan how"
YouTube Link 2026-02-02T20:30Z 321K followers, [----] engagements
"NEW $6000 Senior Deduction Phase-Out Range Explained + Real Examples 00:00 - Intro 01:11 - Lets start with the basics 02:36 - EXAMPLE: Single Filer Phase-Out in Action 04:44 - EXAMPLE 2: Married Filing Jointly Phase-Out 07:00 - EXAMPLE 3: Married Filing Jointly Phase-Out (One Senior One Not) 08:39 - What happens if your income hits the top of the phase-out range 10:10 - Bloopers The new $6000 senior deduction from the One Big Beautiful Bill (OBBB) could save older Americans thousands but the phase-out range makes it tricky. In this video I break down exactly how the deduction works who"
YouTube Link 2025-07-12T15:45Z 319K followers, 38.3K engagements
"Financial Education Builds Like Compound Interest and Lasts a Lifetime Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing financial education compound interest compound growth education financial literacy lasts a"
YouTube Link 2025-09-26T22:30Z 320K followers, [----] engagements
"How Much Can You Gift in [----] The Exact IRS Limit 🎁 Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you"
YouTube Link 2025-09-14T22:30Z 318K followers, [----] engagements
"Why the $6000 Senior Tax Deduction Wont Eliminate Your Social Security Taxes 00:00 - Intro 02:30 - What Does the $6000 Deduction Actually Do 03:07 - Tax Deduction vs. Tax Credit 05:57 - When Does the Deduction Actually Cancel Out Your Social Security Tax 06:11 - Step 1: Understand the Deductions That Wipe Out Taxes 06:37 - Step 2: Reverse-Engineer the Income Threshold 07:45 - Now Here's Where We Hit a Hiccup 08:01 - Why the Numbers Don't Seem to Add Up 09:01 - By Contrast: How SSA Measures Income 12:20 - Let's Be Honest About What This Deduction Really Does 12:58 - What This Deduction Does Do"
YouTube Link 2025-07-17T13:45Z 320K followers, 141.6K engagements
"Early Retirement Is Riskier Than You Think (3 Critical Risks You Must Plan For) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy"
YouTube Link 2026-02-05T01:30Z 322K followers, [----] engagements
"Be Flexible With Retirement Spending (One Fixed Withdrawal Is a Mistake) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe"
YouTube Link 2026-02-05T23:30Z 322K followers, [----] engagements
"How to Prepare for Health Care Costs in Retirement: Key Steps You Can Take Today Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing long term care retirement retirement stats nursing home assisted living medical costs"
YouTube Link 2026-02-10T14:30Z 322K followers, [----] engagements
"How to Use Rule 72(t) to Retire Early: The Penalty-Free Way to Access Your 401(k) Before [--] Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing early retirement funding an early retirement rule 72T 401k 401k access"
YouTube Link 2026-02-03T14:30Z 322K followers, [----] engagements
"How to Set Up Your Childs Financial Life by Age [--] (Even If Youre Not Rich) How do you set up your childs financial life the right way without being overwhelmed or needing to be wealthy In this video I walk through how to thoughtfully set up your childs financial foundation by age five focusing on what actually matters: protection structure automation and healthy money behaviors. We cover the essential financial steps every parent (or grandparent) should consider including estate basics guardianship beneficiary planning credit freezes for children and the few accounts that make the most sense"
YouTube Link 2026-01-28T14:45Z 320K followers, 56.9K engagements
"Are You on Track [--] Key Milestones for a Secure Retirement Interview with Bill Bengen: https://youtu.be/pX2xtNsCDZ8si=5NoD43eRHFfTpUTQ 00:00 - Intro 00:40 - [--]. Saving 25x Your Annual Expenses 02:40 - [--]. Reaching a $0 Mortgage Balance by Retirement 03:34 - [--]. Funding an HSA to the Max (and Investing It) 04:33 - [--]. Hitting Social Security Eligibility with [--] Years of Work History 06:52 - [--]. Building a 2-3 Year Retirement Cash Buffer 07:54 - [--]. Diversifying Retirement Income Streams 09:51 - [--]. Catching Up on Retirement Contribution at Age 50+ 10:48 - [--]. Your Portfolio Covers Essential Expenses"
YouTube Link 2025-07-09T13:45Z 319K followers, 177.5K engagements
"Vanguard Retirement Guardrails The Dynamic Spending Strategy #vanguard #vanguardtactics #retire Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement vanguard retirement guardrails guard guardrails wealth"
YouTube Link 2024-10-19T14:01Z 320K followers, [----] engagements
"The Government Will Give Your Child $1000 to Invest New Trump Accounts Explained Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money Trump accounts new Trump accounts explained government"
YouTube Link 2026-02-09T01:30Z 322K followers, [----] engagements
"Retirement Isnt About a Perfect Age or Number - Heres What Actually Matters Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement planning retirement strategy retirement withdrawal"
YouTube Link 2026-01-28T23:30Z 320K followers, [----] engagements
"EXPLAINED: Inherited IRA & 401(k) Spousal Rules Guide to RMDs Rollovers & Tax Deadlines 00:00 Intro 00:58 Step 1: The Fast Decision Map 01:04 [--]. What type of account is it 01:35 [--]. When did your spouse die relative to their Required Beginning Date (RBD) 02:24 [--]. Are you the sole beneficiary spouse 02:48 One last filter to keep in mind your age matters too 03:27 Step 2: Core Options for Spouses (IRAs) 03:30 Option A: Treat the IRA as Your Own (Spousal Rollover) 06:09 Option B: Remain a Beneficiary (Inherited IRA in Your Name) 06:24 Now heres how the rules break down 08:40 Option C: Elect the"
YouTube Link 2025-11-12T14:45Z 321K followers, 20.2K engagements
"The Tax Torpedo Explained (In Plain English) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money tax torpedo morningstar roth conversion roth ira roth account roth contribution financial"
YouTube Link 2026-02-04T01:31Z 322K followers, [----] engagements
"The #1 Retirement Mistake Couples MakeAnd How to Avoid It 00:00 Intro 00:35 Looking at the Stats 01:31 Why It Happens 02:28 Uncertainty About Retirement Savings 03:38 Why Couples Misjudge the Retirement Number 04:45 What Happens When Couples Arent Aligned 05:31 The Emotional Fallout 06:04 Data Snapshot: The Bigger Picture 06:46 How Couples Can Get on the Same Page Nearly half of couples disagree on when to retireand over 50% cant agree on how much they need to save. In this video we explore the #1 retirement planning mistake couples make why it causes emotional and financial tension and how"
YouTube Link 2026-01-23T14:45Z 319K followers, 27.8K engagements
"The Perfect Withdrawal Rate for Early Retirement: Retire in Your 30s (or Any Age) Boglehead VPW Retirement Worksheet: https://docs.google.com/spreadsheets/d/14h82Y8Mgij0JQmf64cNCjt_5gofXMaN6e4R72-dvjJw/editgid=308924096#gid=308924096 VPW-Accumulation-And-Retirement-Worksheet 00:00 Intro 00:45 Variable Percentage Withdrawal 01:54 Key Features of the VPW 05:17 Advantages of VPW 08:04 Disadvantages of VPW 09:43 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes"
YouTube Link 2024-11-15T14:45Z 322K followers, 36.1K engagements
"Retire at [--] [--] Ways to Fund Early Retirement Without Penalties or Tax Surprises 00:00 - Intro 00:42 - [--]. Taxable Brokerage Accounts 2:12 - [---] Taxable Brokerage Accounts in Real Life 03:08 - [---] Why You Still Pay Tax Even on Qualified Dividends 05:29 - [---] - What these investments could grow to and why tax strategy matters 09:04 - [--]. Roth IRA Conversion Ladder 10:06 - [---] Why This Works So Well for FIRE 11:00 - 2.3.1 Roth Contributions 11:24 - 2.3.2 Roth Conversions 12:33 - [--]. Rule of [--] 15:16 - [--]. Substantially Equal Periodic Payments 18:39 - [--]. Roth IRA Contributions 22:37 - Bloopers Want"
YouTube Link 2025-06-30T13:45Z 322K followers, 175.6K engagements
"Youll Probably Never Need More Than $5 Million Heres Why How much money do you really need to retire comfortably even generously In this video we break down real-world data on income net worth and spending habits of wealthy households to answer one of the most common retirement planning questions: what is actually enough Using realistic spending benchmarks Social Security income and modern withdrawal strategies we walk through why most people will never need $10 million $15 million or $20 million to live an incredible retirement. Youll see how spending naturally plateaus even at high net"
YouTube Link 2026-01-06T14:45Z 322K followers, 354.4K engagements
"The Most Common Roth Conversion Question And Why It Misses the Truth Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money roth conversion roth conversion strategy traditional ira vanguard"
YouTube Link 2026-02-05T20:30Z 322K followers, 10.1K engagements
"Average 401(k) Balances by Age [----] (Vanguard) Are You on Track or Falling Behind 00:00 Intro 01:05 Average 401(k) Balance by Age 02:23 Average 401(k) Balance by Income 03:05 What Should You Aim For 04:51 Savings Rate by Age 05:39 Strategies by Age 07:59 Maximize Your Growth Potential 08:59 Avoid the biggest Mistakes 10:39 The Takeaway 11:32 Bloopers Are you saving enough for retirement 📈 In this video we break down the average 401(k) balances by age in [----] (Vanguard data) and reveal where most people stand. Learn how to catch up maximize employer matches and boost your retirement savings"
YouTube Link 2025-02-26T14:45Z 322K followers, 119.1K engagements
"The Most Common Retirement Missteps And How to Avoid Them Featuring @MoneyGuyShow 00:00 Intro: Why Retirement Planning Matters 01:14 Misstep #1: Claiming Social Security Too Early 07:25 Misstep #2: Spending Too Much or Too Little in Retirement 12:44 Misstep #3: Poor Tax Planning & Withdrawal Strategy 21:09 Misstep #4: Underestimating Health Care & Longevity Risk 29:06 Misstep #5: Sequence of Returns Risk & Poor Portfolio Strategy 38:43 Closing Thoughts: Dont Be Reactive Have a Plan Nearly half of retirees fear running out of money but many of those worries come from avoidable mistakes. In"
YouTube Link 2025-08-27T14:00Z 322K followers, 197.9K engagements
"How to Upgrade Your Life Without Wrecking Your Finances Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement net worth expenses that really matter housing car payment wealth childcare college costs"
YouTube Link 2026-02-12T23:30Z 322K followers, [----] engagements
"The Retirement Income Showdown No One Talks About: Social Security vs. Annuities vs. 401(k) 00:00 - Intro 00:51 - Social Security 03:03 - Annuities 04:52 - Annuity Example vs 4% Rule 07:00 - 401(k) / IRA 09:48 - Pensions 11:48 - Putting It All Together 13:25 - Bloopers Not all retirement income streams are created equal. In this video we break down the pros and cons of Social Security annuities pensions and 401(k)/IRAshighlighting how each one impacts your spending confidence in retirement. Learn which income sources provide predictability flexibility and peace of mindand how to build a"
YouTube Link 2025-09-19T13:45Z 322K followers, 52.1K engagements
"Major Social Security ReformWEP and GPO Eliminated How Are You Affected 00:00 Intro 00:58 Windfall Elimination Provision 01:49 Social Security Calculation -AIME 03:02 Example - No WEP & WEP 04:46 WEP Exemptions & Adjustments 06:00 Government Pension Offset 06:27 Example - GPO - Spousal & Survivor 08:57 WEP & GPO Repeal 10:40 Implementation Timeline 12:14 Bloopers Social Security Customer Service: 800-772-1213 Calculator to see how WEP & GOP would have altered Social Security benefits: https://www.ssa.gov/prepare/government-and-foreign-pensions Big changes are coming to Social Security The"
YouTube Link 2024-12-27T15:15Z 322K followers, 279.3K engagements
"The 5-Year 401(k) Strategy That Can Build $1.4M+ 00:00 - Introduction 00:35 - 401(k) Contribution Limits For [----] 02:13 - Traditional Vs. Roth 401(k) 02:58 - Big Bonus 03:37 - Vanguard 04:05 - Maxed Out 401(k) 04:55 - Why Going Hard Early Works So Well 05:00 - Scenario [--] (Ages 2530) 05:43 - Scenario [--] (Ages 3035) 07:41 - What If You Start Later 07:57 - Scenario [--] (Ages 4045) 08:25 - Scenario [--] (Ages 5055) 08:56 - Scenario [--] (Ages 6065) 10:50 - Things You Can Do 11:38 - Bloopers Can saving aggressively for just [--] years really transform your retirement In this video we break down the 2025"
YouTube Link 2025-07-04T13:45Z 322K followers, 163.8K engagements
"Retire With $1M Die With $5M (The Data Will Shock You) 00:00 Intro 00:58 The Story of the 4% Rule 02:55 The Upside Reality 03:29 The 96% Stat That Changes Everything 04:41 Real-Life Example 07:02 Spend Your Upside Framework 08:40 The Flexibility Checklist 10:09 The Big Takeaway 11:13 Caveats & Interpretations 11:20 Historical Results Arent Guarantees 11:29 Nominal vs. Real Dollars 11:43 Sequence Risk Is Real 12:02 Flexibility Matters 13:28 Bloopers Retirees are often shocked to learn that following the classic 4% withdrawal rule doesnt just protect their savings it often means they die with"
YouTube Link 2025-11-27T14:45Z 322K followers, 128.3K engagements
"Why Social Security Matters More Than You Think Even If Youre Wealthy Discover why Social Security matters more than you think even if youre wealthy. This video breaks down how much of your retirement income is likely to come from Social Security at different income levels using real data and clear examples. Learn how spending patterns inflation and portfolio withdrawals all shape your financial future and why this guaranteed income stream remains a cornerstone of retirement planning. Perfect for anyone serious about building long-term financial security. 00:00 Intro 00:53 How much Social"
YouTube Link 2025-11-21T14:45Z 322K followers, 38.1K engagements
"The Social Security Decision That Changes Your Entire Retirement Income (Real Numbers) How much income will you really have in retirement and how much does Social Security timing change the outcome In this video we walk through real retirement income scenarios to show how when you claim Social Security how you coordinate benefits with a spouse and how you withdraw from your investment portfolio can dramatically reshape your retirement income for decades. Using real numbers we break down how claiming Social Security early vs delaying to age [--] impacts monthly and annual benefits how spousal"
YouTube Link 2026-01-22T14:45Z 322K followers, 69.7K engagements
"These [--] Retirement Tax Groups Predict Your Entire Financial Future Most retirees dont realize that retirement taxes dont behave like working-year taxes. In this video we break down the five retirement tax groups that determine whether you face higher RMDs Social Security taxation Medicare IRMAA penalties and the dreaded tax torpedoor whether you avoid them entirely. Youll learn how Roth conversions withdrawal sequencing and Social Security timing can dramatically reduce lifetime taxes lower Medicare premiums and extend the life of your portfolio. We walk through real examples including how"
YouTube Link 2026-02-02T14:45Z 322K followers, 59K engagements
"Becoming a Millionaire Takes Patience More Than Anything Else Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money becoming a millionaire millionaire habits getting rich savings rate building"
YouTube Link 2026-02-10T23:30Z 322K followers, [----] engagements
"Roth Conversions After Claiming Social Security Early (Youre Not Out of Options) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement taxes roth conversion roth strategy widows"
YouTube Link 2026-02-08T01:30Z 322K followers, [----] engagements
"The Lie Were Sold About Retirement Income Most retirement advice focuses on one thing: building a large investment portfolio so you can live off your investments. But when you look at the data that story doesnt match how retirement actually works. In this video we break down where retirees really get their retirement income using research from the Health and Retirement Study the Congressional Research Service and real-world retiree behavior. Youll learn why most retirees dont follow the 4% rule why many retirees withdraw little or nothing from their investment portfolios and how Social"
YouTube Link 2026-01-26T14:45Z 322K followers, 103.4K engagements
"The Smart Way to Take Money Out of Retirement Accounts When You Have a Pension How should you withdraw from retirement accounts when you have a pension The answer is far more nuanced than Roth first or traditional first and getting it wrong can quietly cost you hundreds of thousands of dollars in lifetime taxes. In this video I walk through a real retirement case study of a 55-year-old retired military individual with a $50000 pension $750000 in Roth accounts and $800000 in traditional retirement accounts. Step by step I explain the best-practice withdrawal strategy how pensions change the"
YouTube Link 2026-02-04T14:45Z 322K followers, 72.7K engagements
"Buying Health Insurance in Early Retirement Start With the ACA Marketplace Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money cobra health insurance health care healthcare healthcare in"
YouTube Link 2026-02-10T01:30Z 322K followers, [----] engagements
"The Biggest Retirement Risk Isnt the Market - Its This Mistake Most retirees worry about how much they can safely withdraw but far fewer think about when those withdrawals begin. In this video we break down why the year you retire can dramatically impact your retirement income and why relying on a rigid rule like the 4% rule can create unnecessary risk. Using real data and research-backed retirement strategies we explain sequence of returns risk why early retirement years matter more than most people realize and how a bad market year does not have to lock you into lower income for life. Youll"
YouTube Link 2026-01-27T14:45Z 322K followers, 97K engagements
"The Shocking Cost of Long-Term Care (And Who Actually Pays for It) 00:00 - Intro 00:44 - How Much It Actually Costs 02:28 - What Are The Odds of Needing Care 05:08 - Who Actually Pays For Care 07:59 - Bloopers Long-term care costs are skyrocketing in [----] but most families arent prepared. In this video we break down the true costs of nursing homes assisted living and memory care plus what Medicare actually covers (and what it doesnt). Learn the real odds youll need long-term care how much it really costs and who ends up paying the bill. If you want to plan smarter for your future this video"
YouTube Link 2025-08-24T15:45Z 322K followers, 12.5K engagements
"New 401(k) Rule Coming in 2026: What You Need to Know if You Earn Over $145K 00:00 Intro 00:29 Roth IRAs Have Income Limits But Roth 401(k)s Dont 01:27 Whats Changing 04:18 Employer Plan Implications 05:03 Edge Cases 05:49 Why $145000 06:33 Revenue 06:54 Likely Higher Earners 07:18 Practical Implications & Gotchas 08:39 Example Walkthrough 11:22 Why Should You Should Care 12:47 Roth Employer Matching Contributions 14:54 Bloopers Starting in [----] if youre age 50+ and earning more than $145000 your 401(k) catch-up contributions must be made as Roth (after-tax) meaning no deduction today. This"
YouTube Link 2025-10-03T13:45Z 322K followers, 186.3K engagements
"Can I Retire at [--] with $400K in a 401K 00:00 Intro 00:40 Setting The Stage 01:15 Social Security Foundation 01:45 The Portfolio Question 02:16 Assumptions Were Making 02:21 Spending Patterns 03:24 Portfolio Returns 03:39 Putting It All Together 04:00 3% Withdrawal Scenario 05:45 4% Withdrawal Scenario 07:29 Adding A Military Pension 08:37 5% Withdrawal Scenario 10:01 Tiered Withdrawal Strategy 12:15 Higher Real Rate Of Return 15:42 Bloopers Wondering if you can retire at [--] with $400000 in your 401(k) In this video we break down exactly how far $400K can take you in retirement how much"
YouTube Link 2025-10-08T13:45Z 322K followers, 325.6K engagements
"The Hidden Cost of Fear in Retirement (Data-Backed) This video reveals the hidden cost of fear in retirement and how it quietly impacts your money your time and your quality of life. Using data-backed research from Vanguard JP Morgan RAND Fidelity and Morningstar I break down why so many retirees underspend delay retirement and make fear-driven financial decisions that shrink their long-term security. Youll learn how fear affects withdrawal rates investment behavior retirement spending patterns and the memories you create or miss in your go-go years. If you want a retirement plan grounded in"
YouTube Link 2025-12-08T14:45Z 322K followers, 131K engagements
"How ACA Subsidies Make Health Insurance Affordable for Early Retirees (If You Control Your Income) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money cobra health insurance health care"
YouTube Link 2026-01-11T23:30Z 321K followers, [----] engagements
"Can You Convert Your RMD to a Roth IRA The IRS Rule You MUST Know (Clip) Watch the full video here: https://youtu.be/90TjbiGuEVE 00:00 - Intro 00:38 - Roth Conversion 03:54 - Account-Type Specifics Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal"
YouTube Link 2025-11-02T16:45Z 322K followers, 25.9K engagements
"What If You Retired at [--] [--] [--] [--] Heres EXACTLY What Happens. Discover how the age you retire completely transforms the income your portfolio can safely generate using real backtested returns from [--------]. In this video we break down the exact retirement income youd get retiring at [--] [--] [--] and [--] using Rule 72(t) the Rule of [--] and a 4.7% safe withdrawal rate. Youll see how contributions compounding and market recovery impact long-term wealth and retirement security. If you're planning early retirement or evaluating the best age to step away from work this full breakdown gives you the data"
YouTube Link 2025-12-09T14:45Z 322K followers, 153.6K engagements
"WEP & GPO Repealed Get Your Lump SumBut Watch Out for This Tax Surprise 00:00 Intro 00:48 Windfall Elimination Provision (WEP) 01:23 Government Pension Offset (GPO) 01:55 Takeaway 02:24 Social Security Fairness Act Goes into Effect 04:15 Payment Details 04:35 Social Security Official Notices 05:10 When to Contact SSA 05:40 Create an Account Online 06:24 What if You Never Applied Spousal or Survivor Benefits 07:35 Understanding Retroactive Payments 08:01 Taxes & Medicare Premiums 09:28 Staying Up To Date 10:13 Bloopers Link to SSA thread:"
YouTube Link 2025-03-05T14:45Z 322K followers, 76.3K engagements
"Are You on Track for Retirement T. Rowe Price Reveals the Numbers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing investing rate savings rate how much should I save net worth by age t rowe price ready for"
YouTube Link 2025-10-24T00:30Z 321K followers, [----] engagements
"How Far Will $250K $500K $750K or $1M Take You in Retirement What does retirement really look like with $250K $500K $750K or $1M in savings In this video I break down how much income each portfolio can generate how Social Security benefits change the picture and what kind of lifestyle those numbers can actually support. Whether youre planning for financial independence or simply want to know if your retirement portfolio is on track this data-driven walkthrough will show you how far your money can truly take you. 00:00 Intro 00:36 The $250000 Household 04:26 The $500000 Household 08:40 The"
YouTube Link 2025-11-18T14:45Z 322K followers, 126.2K engagements
"How Millions Retire With Little or No Savings (And Still Make It Work) 00:00 Intro 01:09 Median Retirement Savings by Age 02:40 When Do People Retire 04:37 When Do People Claim Social Security 05:12 How Much is the Average Check 07:17 Median Household Income for Seniors 08:27 Housing & Mortgages 09:34 Debt Beyond the Mortgage 11:22 Spending in Retirement 13:45 Older Americans Still Working 15:44 Important Message 18:55 Bloopers Most retirees dont have $1 million saved in fact the typical household enters retirement with closer to $200000 or less. In this video we break down the real numbers"
YouTube Link 2025-09-16T13:45Z 322K followers, 284.4K engagements
"Roth Conversions in 2025: How to Use the New $6000 Senior Deduction to Cut Taxes 00:00 - Intro 00:33 - What's not changing 01:19 - What did change 01:38 - The New $6000 Senior Deduction 03:31 - So What Does This Have to Do with Roth Conversions 05:02 - Roth Conversion Strategy for a Married Couple 06:66 - Now Let's See What Happens if They Convert More 08:47 - No Rate Hike in [----] - But [----] Still Matters 10:42 - How the New Senior Deduction Affects Roth Conversions 12:38 - Bloopers If you're [--] or older a brand-new $6000 senior deduction starting in [----] could save you thousands on Roth"
YouTube Link 2025-07-10T13:45Z 322K followers, 485.6K engagements
"Dont Retire Early Why So Many Regret It - Erin Reacts Business Insider Video Don't Retire Early: https://www.youtube.com/watchv=hbMRv19SkXY 00:00 Intro 01:00 Save Early 03:34 Ditch Debt 04:18 Prioritize Your Health 05:46 Dont Retire Early 08:14 Financial Independence / Retire Early - FIRE 08:57 Have a Job You Love 10:12 Being Prepared for Retirement 11:11 Bloopers Retiring early sounds like a dream but for many it turns into a financial nightmare. In this video I break down Business Insiders Dont Retire Early documentary and the real-life regrets of retirees who werent financially or"
YouTube Link 2025-02-06T14:45Z 322K followers, 193.6K engagements
"Shocking Money Stats (2025): How Much the Average American Really Makes Saves & Owes 00:00 Intro 00:30 The profile 03:51 Age and the American Financial Story 05:55 Net Worth by Age 09:41 Pause & Reminder Segment 10:26 Lessons Each Generation Can Teach the Others 10:43 From Boomers Everyone 12:12 From Gen X Everyone 14:02 From Millennials Everyone 15:27 From Gen Z Everyone 17:04 Your Progress vs Everyone Elses 17:27 What-If Scenarios: Projecting Forward 20:24 Bloopers In this video we break down the real money stats of the average American in [----] including income savings debt and net worth."
YouTube Link 2025-10-09T13:45Z 322K followers, 141.3K engagements
"Is Trump Trying to Kill the FDIC The Truth About His Proposal 00:00 Intro 01:45 FDIC Success 02:25 Bank Supervision 02:54 Trumps Proposal to Change the FDIC 04:32 Pros & Cons 06:33 Previous Administrations 07:55 Expert Opinion 09:43 Consumer Reaction 11:27 Bloopers Is President Trump Trying to Kill the FDIC 🚨 Trumps team has explored the idea of eliminating or restructuring the FDIC the agency that insures bank deposits and protects consumers from bank failures. But what would that actually mean for your money financial stability and the banking system In this video we break down Trumps FDIC"
YouTube Link 2025-03-21T13:45Z 321K followers, 63.3K engagements
"3 Things You Cant Do With RMDs But Most People Try Anyway 00:00 - Intro 00:33 - RMD Rules And Aggregation What You Can And Cant Combine 01:06 - Roth IRAs 01:19 - Inherited Retirement Accounts 01:29 - IRA Aggregation Rules 02:14 - Employer Plans: No Aggregation 02:42 - Special Exception: 403(b) Plans 03:06 - Spouses Must Each Take Their Own RMD On Their Own IRAs 03:36 - Common Mistake Example 04:52 - RMDs Cannot Be Rolled Over Example Of A Costly Mistake 07:06 - Why Roth Conversions Get Tricky At This Age 08:01 - Watch Your Tax Bracket 08:57 - The Spousal Beneficiary Exception Huge Planning"
YouTube Link 2025-07-24T13:45Z 322K followers, 172.2K engagements
"Financial Planning After the Loss of a Spouse Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement strategy retirement planning retirement income portfolio income retirement risk safe withdrawal"
YouTube Link 2026-02-08T20:30Z 322K followers, [----] engagements
"How to Manage Your Money Like the Top 1% Millionaire Budgeting Styles That Build Wealth 00:00 - Intro 00:50 - 50/30/20 01:47 - 60/30/10 02:45 - 70/20/10 03:49 - 80/20 04:34 - 30/30/30/10 05:29 - Zero-Based 06:24 - Anti-Budget 07:17 - What Every Budgeting Style Has In Common 08:04 - Saving And Investing 08:24 - Emergency Fund 10:04 - Retirement Accounts 12:38 - Debt Repayment 14:32 - Brokerage + Freedom Investments 16:43 - Bonus 18:46 - Why This Category Builds Wealth Discover how millionaires actually manage their money using smart intentional budgeting strategies. In this video we break down"
YouTube Link 2025-07-29T13:45Z 321K followers, 70.3K engagements
"VMFXX: Where to Park Cash in [----] for Safety + Yield Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing money market fund high yield where to put cash cash savings savings account where to keep your cash emergency"
YouTube Link 2025-08-08T00:30Z 322K followers, 24.5K engagements
"NEW: [----] Federal Income Tax Brackets & Standard Deduction (Full Breakdown) 00:00 Intro 00:57 Why This Matters 01:20 Segment 1: [----] Tax Brackets 02:28 Segment 2: Standard Deduction Updates 02:56 Example 1: Married Filing Jointly $150000 of Income 03:37 Effective tax rate vs. marginal tax rate 04:43 For seniors aged [--] and older 06:51 Example 2: Married Filing Jointly Both Age 65+ $150000 of Income 08:56 Segment 3: The Chained CPI Effect 12:18 Segment 4: How the [----] Brackets Compare to Previous Years 13:55 Segment 5: Non-Taxable Income Streams 18:19 Bloopers The IRS has released the new 2026"
YouTube Link 2025-11-03T14:45Z 322K followers, 257.9K engagements
"Planning Roth Conversions You May Need to Rethink Your Investing Strategy Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money 401k strategy retirement investing 401k investments how to"
YouTube Link 2026-02-10T20:30Z 322K followers, [----] engagements
"Why You Should Never Miss an Opportunity to Fund a Roth IRA Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement accounts roth ira contribution limits traditional ira backdoor roth"
YouTube Link 2026-02-11T01:30Z 322K followers, 11.1K engagements
"The RMD Tax Trap No One Warned You About (And How You Can Avoid It) 00:00 - Intro 00:52 - Set The Stage 01:25 - The RMD Snowball 03:03 - RMDs Dont Happen In A Vacuum 04:15 - Why Retirement Income Keeps Rising 05:20 - The Problem: When Income Becomes A Burden 05:29 - Higher Tax Bracket 05:43 - Medicare Premiums 05:55 - More Of Your Social Security Becomes Taxable 06:06 - Lose Access To Credits Or Deductions 06:29 - The Warning 07:02 - The Solution Set 07:13 - Start With Roth Conversions 07:48 - Make The Most Of The Gap Years 08:14 - Diversify Your Tax Buckets 09:04 - The Best And Worst Uses"
YouTube Link 2025-08-28T13:45Z 322K followers, 206.4K engagements
"Vanguard Says 58% Can't Afford Retirement - Retirement Report Explained 00:00 Intro 00:46 Vanguards Numbers 02:57 Why These Numbers Feel Wrong 05:52 What We Should Take Away 10:45 Bloopers Vanguards latest retirement report claims that 58% of Americans wont be able to maintain their standard of living in retirement but does the data tell the full story In this video I break down Vanguards findings explain how they calculated retirement income and reveal why the numbers may not reflect the real financial picture for retirees. Well cover Social Security benefits savings and investment"
YouTube Link 2025-11-04T14:45Z 322K followers, 44K engagements
"Social Security: Exactly How Taxes on Benefits Impact Your Retirement Provisional Income EXPLAINED 00:00 Intro 00:33 Provisional Income 01:37 Provisional Income Formula 02:10 Why 50% 03:38 Example - Provisional Income Calculation 04:24 Social Security Tax Brackets 05:15 Social Security Tax Calculation Example 07:34 Federal Tax Bill Understanding how Social Security benefits are taxed can help retirees make smarter financial decisions. This video breaks down provisional income tax thresholds and how up to 85% of benefits may be taxable for higher earners. Learn how the system strives for"
YouTube Link 2024-11-29T14:45Z 322K followers, 112.5K engagements
"Opening a Custodial Account for Your Child Know These [--] Things First Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money custodial account for kids kids and money the psychology of money"
YouTube Link 2026-02-07T23:30Z 322K followers, [----] engagements
"Retirement & Pension: A Guide to Planning with Guaranteed Income How A Pension Shapes Your Retirement Plan: 00:00 Pensions & Retirement Planning 01:01 Guaranteed Income Stream 02:05 Reduced Savings & Greater Flexibility 03:49 Protections 05:19 Longevity Risk Mitigation 05:49 Calculating A Pensions Value 07:06 Incorporating Pension Into Net Worth 07:34 Employer Stability Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice."
YouTube Link 2024-07-12T13:45Z 322K followers, 187.4K engagements
"$500K Retirement: Social Security + WithdrawalsWhats Sustainable (Data Backed) 00:00 - Intro 00:49 - Morningstar Frameworks 3:20 - Setting The Stage For The Portfolio 5:59 - 3.7% Withdrawal 8:20 - 4.2% Withdrawal 10:43 - 5.1% Withdrawal 14:14 - The Comparison 16:48 - Closing 17:53 - Bloopers Unlock a sustainable retirement income strategy with real numbers: we test Morningstars 3.7% safe withdrawal rate against 4.2% (skip the raise after down years) and 5.1% guardrails on a $500000 50/50 VFIAX/BIV portfolio. See how Social Security with COLA pairs with portfolio withdrawals from 20072024"
YouTube Link 2025-11-10T14:45Z 322K followers, 45K engagements
"84% of Retirees Are Making This RMD Mistake Dont Be One of Them Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing RMD rmd age retirement retirement spending wealth wealth in retirement spending in retirement RMD"
YouTube Link 2025-12-10T20:30Z 321K followers, [----] engagements
"The Most Important Year in Retirement: What to Do (and Avoid) in Year One Deep Dive 0:00 Intro 0:44 Retirement Isnt a Vacation 3:04 Track Spending Closely 5:01 Build a Cash Reserve & Bucketing Strategy 7:23 Optimize Social Security & Withdrawal Timing 9:17 Stay Physically Socially & Mentally Active 11:44 Review Estate Legal & Healthcare Documents 13:17 Roth Conversions & Tax Planning 14:42 Protect Against Fraud & Scams 16:28 Medicare Enrollment Deadlines 17:04 Rebalance Your Portfolio 18:44 Common Retirement Mistakes 19:04 Overspending in the Honeymoon Phase 20:27 Selling in a Downturn 22:14"
YouTube Link 2025-08-22T13:45Z 322K followers, 157.8K engagements
"Early vs. Late Retirement: The Truth About What Speeds Up or Slows Your Timeline Understanding your true retirement timeline isnt about guessing an age its about knowing the real financial and lifestyle factors that accelerate or delay your ability to retire. In this video we break down how savings rate investment growth spending levels Social Security timing and unexpected detours like job loss or health issues shape your retirement date far more than income alone. Youll see how small decisions like increasing your savings rate lowering fixed expenses delaying Social Security or working a"
YouTube Link 2025-12-16T14:45Z 322K followers, 91.1K engagements
"How Far Will $250K $500K $750K or $1M Take You in Retirement - for a Single Earner Retiring with $250K $500K $750K or $1M This data-driven guide shows how much income you can expect how timing your Social Security claim impacts your budget and what a sustainable withdrawal rate really looks like. Perfect for anyone planning retirement or optimizing income from savings pensions or investments 00:00 Intro 00:54 The $250000 Household (Single Edition) 03:45 Phased Retirement Example (Single Retiree with $250K) 07:13 The $500000 Household (Single Edition) 09:16 $500000 with a Pension Example 11:17"
YouTube Link 2025-11-24T14:45Z 322K followers, 156.9K engagements
"$3000 vs $5000 vs $10000 a Month in Retirement - How Much Do You REALLY Need to Retire How much do you really need to retire The answer depends far less on scary headline numbers and far more on your monthly retirement spending and guaranteed income sources. In this video I break down exactly how much retirement savings you need if you plan to spend $3000 $5000 $7000 or $10000 per month in retirement using real data-driven assumptions and factoring in Social Security which is often ignored in traditional retirement advice. Youll see how Social Security income dramatically reduces the size of"
YouTube Link 2026-02-03T14:45Z 322K followers, 111.3K engagements
"Do You Have Enough Saved T. Rowe Prices Retirement Targets From [--] to [--] (Clip) Watch the full video here: https://youtu.be/tojXzVM0JcA Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing t rowe price how much do i"
YouTube Link 2025-10-26T15:45Z 321K followers, 33.8K engagements
"Maximize Your RMD & Reduce Taxes: Charitable Contributions Distributions Explained Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing required minimum distribution RMD reduce taxes QCD qualified charitable"
YouTube Link 2025-01-28T14:45Z 322K followers, [----] engagements
"Single EXACTLY How Much You Need to Retire at [--] [--] [--] & [--] (Based on Real Retirees Spending) 00:00 Intro 00:38 Spending Evolves Throughout Retirement 02:04 Single Individual Retiring 02:54 Retiring at [--] Claiming Social Security at [--] 05:45 Retiring at [--] Claiming Social Security at [--] 06:58 Retiring at [--] Claiming Social Security at [--] (FRA) 09:47 Retiring at [--] Claiming Social Security at [--] (FRA) 11:20 Retiring at [--] Claiming Social Security at [--] 12:00 Build the Perfect Portfolio for You 14:19 Bloopers Wondering how much a single person needs to retire at [--] [--] [--] or [--] In this video I"
YouTube Link 2025-04-23T13:45Z 322K followers, 139.5K engagements
"Real Numbers vs. Headlines: How Many Retirees Actually Need Long-Term Care Most headlines claim that 70% of retirees will need long-term care but the real data tells a very different story. In this video Erin Talks Money (Erin Moriarity) breaks down the truth behind those statistics what long-term care actually means and how todays retirees are really paying for healthcare in retirement. Youll learn how to plan for rising medical and assisted-living costs how Medicare and Medicaid fit in and when (or if) long-term-care insurance makes sense. Perfect for anyone planning retirement income tax"
YouTube Link 2025-12-03T14:45Z 322K followers, 34.5K engagements
"The [--] Habits All Millionaires Share Backed by Federal Reserve Data Everyone online has advice on how to become a millionaire but very little of it is backed by real data. In this video we go straight to the source: the Federal Reserves Survey of Consumer Finances (SCF) the most detailed dataset on U.S. household wealth income assets and debt. Using Federal Reserve data we break down the five habits real-world millionaires actually share including savings rates investing behavior use of tax-advantaged accounts housing decisions and how long it really takes to build wealth. This analysis looks"
YouTube Link 2026-01-07T14:45Z 322K followers, 366.8K engagements
"Retiring Early Your Retirement Risk Changes Over Time (Heres How to Plan for It) Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money early retirement planning early retirement strategy"
YouTube Link 2026-02-08T23:30Z 322K followers, [----] engagements
"THIS Is the Perfect Age to Retire (Backed by Data) And the #1 Mistake to Avoid 00:00 Intro 00:46 When Do People Retire 01:06 Early Retirement 02:38 Working Longer Than Planned 03:17 Common Regrets of Early Retirees 03:54 Claiming Social Security Early 05:24 Lost Sense of Purpose 05:42 Delayed Retirement Regrets 06:35 The Good News 07:10 The Role of Financial Security 07:51 The Perfect Age to Retire 08:35 Personal Take 09:32 How to Retire On Time 11:27 Bloopers Wondering when to retire In this video we reveal the perfect retirement age based on real data and uncover the top regrets of people"
YouTube Link 2025-04-25T13:45Z 322K followers, 396.4K engagements
"Annuities EXPLAINED: Why People Hate Them (and When They Actually Work) (Deep Dive) 00:00 - Intro 00:29 - What Are Annuities 02:17 - The Types of Annuities 06:49 - Why Annuities Can Make Sense 10:16 - Why People Say Theyre a Bad Deal 16:38 - Surrender Charges & Liquidity 18:53 - The Tax Angle 20:41 - The Balanced Truth 21:45 - Practical Guidelines 22:42 - Strong Alternatives to Annuities 25:35 - Myths vs. Facts Quick Fire 30:54 - Bloopers Thinking about annuities in retirement In this deep dive we break down why annuities have such a bad reputation high fees complexity and lack of flexibility"
YouTube Link 2025-10-17T13:45Z 322K followers, 83K engagements
"Where to Draw Money First in Retirement: The Optimal Order (HSA Roth Brokerage IRA) 00:00 - Intro & The Four Buckets 00:42 - Setup & Assumptions (67 balances SS spending 5% return) 01:23 - How Each Bucket Is Taxed (HSA Roth Traditional LTCG) 02:25 - Deductions & OBBB (2025 single filer) 02:50 - The High-Level Draw Order (Ages 6772) 03:10 - HSA Rules You Must Know 04:24 - Protect the Roth (Let It Compound) 04:35 - Age 73+: RMDs Roth-Last QCDs 05:01 - Why This Order Usually Wins (3 reasons) 06:36 - Brokerage-First at 67: Run the Numbers 08:11 - $0-Tax Roth Conversion: How Much Can You Do 09:56"
YouTube Link 2025-10-06T13:45Z 322K followers, 188.4K engagements
"Maximize Your Retirement Dollars With The 3-Bucket Strategy 00:00 Intro 01:18 [--] Bucket Strategy 01:43 Cash Bucket 04:05 Income Bucket 06:13 Growth Bucket 07:43 [--] Bucket Example Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you #3bucketstrategy #retirement"
YouTube Link 2024-05-20T13:45Z 322K followers, 150.6K engagements
"This Real-World Spending Pattern Could Let You Retire Sooner Than You Think Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement retirement spending guardrails spending retirement spending smile decline in"
YouTube Link 2026-02-07T20:30Z 322K followers, [----] engagements
"Exactly How Much to Withdraw in Retirement by Age (With Examples) 0:00 Intro 0:50 The 4% Rule And Its Limits 1:33 Why Age Really Matters 2:06 Safe Withdrawal Rates by Retirement Age 2:24 40-Year Retirement: Retiring at [--] 5:42 30-Year Retirement: Retiring at [----] 6:27 20-Year Retirement: Retiring at 70+ 7:21 10-Year Retirement: Bridge Period / Very Late Retirement 8:26 Why Using the Wrong Withdrawal Rate Is Risky 9:13 What Else Affects Your Withdrawal Rate 10:11 So Whats the Right Withdrawal Rate for You 11:53 Bloopers Wondering how much you can safely withdraw from your retirement savings"
YouTube Link 2025-08-14T13:45Z 322K followers, 69.8K engagements
"Rule 72(t) Explained How to Retire Before [--] (Without Penalties) Rule 72(t) is one of the most misunderstood early-retirement tools but when used correctly it lets you access IRA or 401(k) money years before age [--] without paying the 10% penalty. In this video we break down the three IRS-approved SEPP methods show you real examples using todays interest rates and walk through the exact rules you must follow to avoid retroactive penalties. Whether youre planning FIRE retiring after a layoff or simply want flexibility before [--] this guide shows where Rule 72(t) fits into a smart"
YouTube Link 2025-12-04T14:45Z 322K followers, 45.5K engagements
"The [--] Retirement Numbers Everyone Should Know Especially If Youre Starting Late Unlock the five essential retirement numbers that matter far more than your total savings your spending Social Security savings rate tax bracket and time horizon. This data-driven guide shows how these numbers shape your withdrawal strategy income plan and long-term financial security even if you're starting late. Learn how to calculate your real spending needs maximize guaranteed income avoid hidden tax traps and build a retirement plan that lasts 30+ years. If you want clarity confidence and a step-by-step"
YouTube Link 2025-12-24T14:45Z 322K followers, 149.4K engagements
"Can You Take Your RMD and Put it Directly into a Roth Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing required minimum distribution RMD RMD age roth account avoid RMD traditional account traditional to roth what to"
YouTube Link 2025-02-20T14:45Z 321K followers, 11.2K engagements
"The Financial Advice Everyone Follows Is Keeping You Broke Most people stress over lattes and subscriptions but the truth is your entire financial life comes down to just five major expenses. In this video I break down the Big Five costs that determine whether you build wealth retire comfortably and stay financially secure. Youll learn how housing cars healthcare childcare and lifestyle inflation quietly shape your retirement plan and how adjusting even one of them can dramatically accelerate your financial independence. If you want practical research-backed strategies to reduce financial"
YouTube Link 2025-12-17T14:45Z 322K followers, 393.1K engagements
"My Favorite Investment Account & Only 35% of Investors Use It 00:00 Intro 01:08 Brokerage Account 01:43 IRA 03:43 Employer Sponsored Plans 04:48 Brokerage Account 05:55 Unrestricted Access 07:52 Taxes & Fees 09:13 Interest On Cash Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for"
YouTube Link 2023-07-03T13:45Z 322K followers, 397.3K engagements
"How Much $1M $2M and $3M REALLY Give You in Retirement (With & Without Social Security) This video breaks down exactly how much income you can expect in retirement with $1 million $2 million or $3 million using real numbers with and without Social Security. Youll see how different withdrawal strategies spending patterns and tax ruleslike RMDs Roth conversions and IRMAA thresholdscan dramatically change your long-term retirement income. We compare traditional withdrawal rates with higher starting withdrawals based on the latest retirement spending research so you can understand what your"
YouTube Link 2025-12-05T14:45Z 322K followers, 241.3K engagements
"If You Dont Want to Leave a Legacy Youre Planning Retirement Wrong This video breaks down a data-driven retirement planning strategy for people who do not want to leave a legacy and are tired of overly conservative advice that leads to dying with unused money. Using real retirement research and practical examples this walkthrough explains how to safely spend more in retirement without running out of money even in uncertain markets. We explore why traditional advice like the 4% rule and legacy-focused planning often overstates how much retirees actually need especially for households without"
YouTube Link 2026-01-29T14:45Z 322K followers, 146.5K engagements
"RMD Rules Are Different Your First Year Heres What Changes Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing first year how to take an RMD RMD age first year RMD RMD first year [--] RMD when to take an RMD RMD rules"
YouTube Link 2025-10-05T19:45Z 322K followers, [----] engagements
"If You Dont Want to Leave a Legacy Spend MORE in Early Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement plan retirement income strategy bucket strategy safe"
YouTube Link 2026-02-04T23:30Z 322K followers, [----] engagements
"$2.5 Million 401(k) Dont Let RMDs Wreck Your Retirement Withdrawal Strategy 00:00 - Intro 00:38 - The Rules: When RMDs Start and How They Work 02:30 - When RMDs Collide with Your Withdrawal Strategy 03:39 - Example: The $2.5 Million Account 05:21 - You Dont Have to Spend It 07:00 - Roth Conversion 10:16 - Account-Type Specifics 10:47 - Watch Out for Tax Side Effects 11:23 - Using RMD Dollars for Education 13:13 - Conclusion 14:24 - Bloopers Required Minimum Distributions (RMDs) can create unexpected tax burdens and disrupt even the best retirement withdrawal strategies. In this video we break"
YouTube Link 2025-10-13T13:45Z 322K followers, 101K engagements
"Married with Unequal Incomes Max Out Social Security with This Strategy 00:00 Intro 00:24 Example 02:54 Key Takeaways 03:40 Steps to Coordinate Effectively Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing social"
YouTube Link 2025-08-17T15:45Z 322K followers, 233K engagements
"Fidelity Just Revealed What You Should Do in Every Decade to Retire on Your Terms Fidelitys [----] data reveals the roadmap to retire on your terms from saving and investing in your 20s to creating reliable income in your 60s. In this video I break down decade-by-decade benchmarks Roth vs. pre-tax strategies catch-up contributions and withdrawal planning all backed by real data and actionable steps. Whether youre building wealth or protecting it youll learn how to design a retirement plan thats flexible tax-smart and built to last. 00:00 - Intro 01:12 - In Your 20s Build Your Foundation 02:06 -"
YouTube Link 2025-11-17T14:45Z 322K followers, 89K engagements
"Can You Avoid RMDs Smart Strategies to Maximize (or Skip) Your Required Minimum Distributions 00:00 Intro 01:13 RMD Age 01:44 RMD Table Life Expectancy Table 02:32 Penalty for not taking RMD 02:50 Convert IRA to Roth IRA 03:51 5-Year Rule 05:22 Qualified Charitable Distribution 06:11 QCD Requirements 06:32 Keep Working 09:02 Bloopers Wondering if you can avoid taking your Required Minimum Distributions (RMDs) or how to handle them if you dont need the money In this video we break down the rules strategies and tax implications of RMDs including whether you can transfer them into a Roth IRA."
YouTube Link 2024-12-18T14:45Z 322K followers, 97.6K engagements
"9% Withdrawal in Retirement EXACTLY When Its Just as Safe as 4% 00:00 Introduction 01:04 Historical Data + Safe Withdrawal Rate Table 03:02 Example #1 Couple Retires at [--] (15-Year Bridge) 06:06 Example #2 Single Retires at [--] (10-Year Bridge + Lifetime Gap) 08:15 What Safe Actually Means 10:03 How the Mix of Risks Changes 11:19 Framework: How to Apply This in Real Life 13:55 Key Caveats 15:11 Recap 16:07 - Bloopers Most people think the 4% rule is the limit but what if you could safely withdraw 7% 8% or even 9% in retirement In this video I break down how the safe withdrawal rate actually"
YouTube Link 2025-11-06T14:45Z 322K followers, 78.9K engagements
"Why Most People Arent Ready for Retirement Even When the Numbers Work Most people think retirement readiness is all about savings and portfolio size but the real danger is being financially prepared and lifestyle unprepared. In this video I walk you through the 5-pillar Retirement Lifestyle Scorecard to help you evaluate your purpose health daily structure community and financial alignment. Youll learn why even well-funded retirees struggle and how to create a retirement plan that actually supports the life you want. If youre [---] years from retirement this framework is essential. 00:00 Intro:"
YouTube Link 2025-12-29T14:45Z 322K followers, 42.5K engagements
"Inherited IRA & 401K Rules 2025: The 10-Year Rule RMDs & Deadlines (Step-by-Step Deep Dive) 00:00 Intro 00:54 Why This Matters 01:42 Step [--] 03:40 Case A 06:36 Example For Case A 08:10 Case B 11:16 Example For Case B 13:24 Estates Charities Trusts 15:46 Key Deadlines & Mechanics 18:54 Takeaways & Action Steps 20:20 Closing 21:08 Bloopers Confused about inherited IRA and 401(k) rules in [----] This video breaks down the new 10-Year Rule RMD deadlines and tax strategies every non-spouse beneficiary needs to know. Well cover the key differences depending on whether the deceased had already begun"
YouTube Link 2025-10-22T13:45Z 322K followers, 42.8K engagements
"Higher Retirement Income Now vs Small Cuts Later: A Smarter Withdrawal Trade-Off Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing michael kitces withdrawal strategy withdrawal rate spending in retirement kitces"
YouTube Link 2026-02-08T16:30Z 322K followers, [----] engagements
"JPMorgan Says Stop Chasing $1M: How Much Should YOU Have Saved by Income JP Morgan Study: https://am.jpmorgan.com/content/dam/jpm-am-aem/global/en/insights/retirement-insights/guide-to-retirement-us.pdf 00:00 - Intro 00:54 - Why those rates are suggested 03:03 - The Checkpoint Tables 06:19 - J.P.Morgan's assumptions 06:44 - Withdrawal Strategy 07:59 - Single Earner Example 14:42 - Dual Income Example 18:22 - Bloopers Learn how much your household should save at each age using J.P. Morgans retirement checkpoints by incomein todays dollars. We cover why 5% vs 10% savings can work how Social"
YouTube Link 2025-09-06T15:45Z 322K followers, 165.2K engagements
"I Withdrew 5% a Yearand Still Doubled (S&P [---] Test) 00:00 - Intro 00:41 - Setup & Assumptions 01:55 - Example A Annual Start-of-Year Withdrawal 03:03 - Month-by-month returns 03:56 - Example B Monthly Start-of-Month Withdrawals 04:54 - Key Point #2 Monthly Over Annual 05:47 - Why the Monthly Advantage Happens 07:20 - How the Gap Can Behave in Tough Years 08:23 - Additional Points Worth Making 11:00 - Practical Implementation 13:11 - Bloopers Withdraw in retirement without killing growth. I model a $500000 S&P [---] Total Return portfolio (dividends reinvested) from [--------] taking 5%/yr and"
YouTube Link 2025-09-12T13:45Z 322K followers, 232.3K engagements
"The Shocking New Retirement Number for 2025And Why 91% of Americans Miss The Fidelity Benchmark 0:00 Intro 0:33 The 10x Income Rule And Why Few Hit It 2:32 The Shift in Retirement Expectations 4:14 Income-Based vs. Expense-Based Planning 6:36 What If Im Way Behind Can I Catch Up 7:55 Social Security Changes the Math 11:09 The Million Dollar Myth 12:13 Bloopers Wondering how much you really need to retire In [----] the new retirement number is a shocking $1.26 millionyet 91% of Americans fall short of this Fidelity benchmark. In this video we break down why the target is so high why most people"
YouTube Link 2025-05-05T13:45Z 322K followers, 353.7K engagements
"EXPLAINED: The Widows Tax Penalty What Every Spouse Must Plan For 00:00 - Intro 00:50 - Qualifying Surviving Spouse 01:16 - Brief Timeline Walkthrough 01:18 - Year Of Death You Can Still File As Married Filing Jointly 01:30 - First Year After Death 01:55 - Second Year After Death 01:59 - Third Year After Death And Beyond 03:10 - Why This Matters For Retirees 03:41 - Example 07:03 - Example [--] - Bill Passes Away 12:41 - Planning Ahead 12:46 - Model The Single Filer Scenario 13:03 - Consider Strategic Roth Conversions While Youre Still Married And In Lower Tax Brackets 13:23 - Manage RMD Growth"
YouTube Link 2025-09-08T13:45Z 322K followers, 245.2K engagements
"What to Do in Your First Year of Retirement Complete Step-by-Step Guide 00:00 - Intro 0:39 - What to DO in Your First Year of Retirement 0:49 - [--]. Build Routine and Purpose 3:05 - [--]. Track Spending Closely 4:59 - [--]. Create a Cash Reserve & Use a Bucketing Strategy 7:21 - [--]. Optimize Social Security and Withdrawal Timing 9:18 - [--]. Stay Physically Socially and Mentally Active 11:41 - [--]. Revisit Estate Legal and Health Care Documents 13:15 - [--]. Consider Roth Conversions and Tax Planning 14:38 - [--]. Use Tech to Protect Your Accounts 16:28 - [--]. Check Medicare Enrollment Deadlines 17:04 - 10."
YouTube Link 2025-12-02T14:45Z 322K followers, 130K engagements
"The Hidden Math: How Retirees With $1M End Up With $5M 00:00 - Intro 00:36 - Retirement Realities vs. the Mythical Number 02:34 - Example 1: A Retired Couple 03:17 - Example 2: A Single Retiree 04:05 - Example 3: A Comfortable Couple 04:57 - The Bigger Point 06:33 - Why Many Retirees End Up Wealthier Than They Began 07:28 - The 4% Rule in Practice 09:21 - Real-World Behavior: The 2% Withdrawal Rate 10:18 - The Core Tension 10:50 - Why $1 Million May Be Too Much for Many 13:30 - A Practical Framework 14:50 - Bloopers Most retirees fear running out of money but new research shows the opposite"
YouTube Link 2025-08-25T13:45Z 322K followers, 592K engagements
"Dont Retire With Just Your 401(k): The Ideal Retirement Mix of Roth Traditional and Taxable If you want a smoother more flexible and more tax-efficient retirement you cannot rely on a single account like a 401(k). In this video we break down the ideal mix of retirement accounts Roth Traditional and Taxable and why the right blend can save you tens or even hundreds of thousands of dollars over your retirement. Well cover how tax diversification actually works why RMDs can explode once your portfolio climbs above $1 million and how retirees use different buckets to control their tax bracket"
YouTube Link 2025-12-22T14:45Z 322K followers, 229.7K engagements
"Vanguards Secret to Spending More in Retirement A New Withdrawal Strategy to Maximize Cash Flow Vanguard Dynamic Spending Strategy Video: https://advisors.vanguard.com/insights/article/show-clients-that-yes-they-can-spend-more-in-retirement 00:00 Intro 00:39 Vanguards Dynamic Withdrawal Strategy 01:30 Choose Initial Withdrawal 03:12 Overview of Dynamic Spending 03:54 Vanguard Video Example 05:07 Example Assumptions 06:33 Example 08:53 Market Is Up More Often 09:19 How This Strategy Compares Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof"
YouTube Link 2024-10-18T13:45Z 322K followers, 270.4K engagements
"$6000 Tax Break for Seniors: How Much YOU Save at EVERY Income Level 00:00 - Intro 00:42 - The New Senior Deduction Explained 02:47 - SSA Statement & Policy Framing 03:41 - Quick Note Before We Dive In 04:03 - Example #1: Single Senior Earning $60000 06:00 - Example #2: Married Couple One Senior One Not 08:33 - Married Couple Both Age [--] With Phase-Out 09:36 - So How Does The Phase-Out Work 11:42 - Married Couple Both Age [--] - High Income 13:45 - Outro Big tax news for retirees A new $6000 senior deduction takes effect in [----] and in this video we break down how much it saves you at every"
YouTube Link 2025-07-08T13:45Z 322K followers, 365.9K engagements
"Social Security Spousal Benefits Explained When To Claim To Maximize Your Payouts 00:00 Intro 01:14 - When Can You Claim 04:04 - No Increase Past FRA 04:43 - Survivor Benefits 05:17 - Deemed Filing 06:54 - Switching Between Personal Benefit & Spousal Benefit 09:50 - Ex-Spouses 10:56 - Government Pension Offset 11:58 - Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join"
YouTube Link 2024-12-04T14:45Z 322K followers, 348.5K engagements
"Are You Making this RMD Mistake 84% Of Retirees Are NerdWallet Required Minimum Distribution Calculator: https://www.nerdwallet.com/article/investing/social-security/required-minimum-distributions JPMorgan Chase Bank - No More Free Checking https://www.youtube.com/watchv=nwWnp1r-3gw 00:00 Intro 03:41 Calculating RMDs 06:19 Taxes 07:15 Preservation of Wealth 09:41 Supplemental Income 10:06 Legacy Planning Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to"
YouTube Link 2024-08-05T13:45Z 322K followers, 1.4M engagements
"How Many Retirees Actually Have $1M in Investments (Excluding Their Home) How many Americans really have $1 million in net worth once you take their home out of the equation In this video we break down the latest Federal Reserve data to show how many households and retirees actually reach millionaire status in investable assets. Youll see why home equity skews the numbers what percentage of retirees hold $1M+ in portfolios and why context like cost of living and withdrawal rates matters so much. If youre planning for retirement this deep dive will help you understand what $1 million really"
YouTube Link 2025-11-05T14:45Z 322K followers, 415.9K engagements
"Step-by-Step Guide to Tax-Efficient Retirement Withdrawals: Social Security Roth IRAs & 401(k)s 00:00 Intro 00:39 Timing the Withdrawal 01:36 Things to Consider - Required Minimum Distributions 02:02 Things to Consider - Bucket Strategy 02:33 Things to Consider - Tax Efficiency 03:56 Looking at Tax Deductions & Tax Brackets 04:59 Example 06:13 Reduce Future RMDs 07:10 Example While Claiming Social Security 09:56 Up Market vs Down Market 11:24 Bloopers Learn how to create a tax-efficient retirement withdrawal strategy with this step-by-step guide This video covers real-life examples of how to"
YouTube Link 2025-01-01T14:45Z 322K followers, 367.9K engagements
"The True Cost of Retiring With a Mortgage What It REALLY Means for Your Retirement Plan Retiring with a mortgage isnt unusualbut it has major implications for your cash flow your Social Security strategy and the long-term sustainability of your portfolio. In this video I use decades of research to show how many retirees enter retirement with debt what todays housing costs look like for people in their 60s and 70s and how even a modest mortgage payment can compound into a six-figure financial obligation. Youll learn the true cost of carrying debt into retirement and how to build a stronger"
YouTube Link 2025-12-11T14:45Z 322K followers, 62.6K engagements
"What Happens To Social Security When You Retire at [--] 00:00 Intro 01:30 Self Funding 02:55 Reduced Benefit for Claiming Early 03:21 Increased Benefit for Delayed Claiming 03:48 Impact of Retiring at [--] on Social Security 04:33 AIME - Average Indexed Monthly Earnings 04:55 Social Security Example with [--] Years of Earnings 06:18 Example - Claiming Early 06:47 Example - Delayed Claiming 07:07 Impact of $0 Earning Years 07:49 Opportunity Cost 09:24 Wage Indexing 11:08 Bloopers Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please"
YouTube Link 2024-10-04T13:45Z 322K followers, 1.8M engagements
"Retiring Before [--] This Is How People Actually Afford Health Insurance Healthcare is one of the biggest and most misunderstood obstacles to early retirement. In this video we break down how early retirees actually pay for health insurance before Medicare using real ACA subsidy math clear examples and up-to-date policy context. Youll learn how ACA premium tax credits work why subsidies are income-based not asset-based and how early retirees can legally manage MAGI to reduce healthcare costs. We walk through single vs married household examples explain the ACA subsidy cliff and show what could"
YouTube Link 2025-12-30T14:45Z 322K followers, 118.8K engagements
"Roth IRA Secrets from Americas Top Tax Expert Ed Slotts Retirement Tax Playbook 00:00 - Meet Ed Slott: America's IRA Expert 01:00 - The Biggest Misunderstanding About Retirement Accounts 03:05 - History of Tax Rates & Why It Matters Now 05:00 - Why Your IRA Is a Ticking Tax Time Bomb 07:30 - Tax-Free Growth: Why Roth IRAs Are the Holy Grail 10:50 - The Roth vs Traditional 401(k) Debate 13:00 - Why Future Tax Rates Are Likely to Rise 15:00 - Eds Rule: Dont Waste a Low Tax Bracket 17:00 - What to Do in Your 50s & 60s to Save on Taxes 20:00 - Erins Roth Story & Eds Favorite Roth Benefits 23:10 -"
YouTube Link 2025-08-02T15:45Z 322K followers, 355.7K engagements
"The Best Way to Train Your Brain to Spend Confidently in Retirement Some of my favorite books: https://amzn.to/3KF3tlr Camera & equipment I use: https://amzn.to/3Z20lof Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research. Join the family & subscribe to my channel here: https://www.youtube.com/c/ErinTalksMoney Thanks for watching I appreciate you personal finance wealth building investing retirement erin talks money retirement income 4% rule retirement withdrawal strategy retirement"
YouTube Link 2026-02-13T01:30Z 322K followers, [----] engagements
"New RMD Rules: Why Retirees Must Rethink Taxes Before Age [--] 00:00 - Intro 01:06 - Whats Changing 02:56 - Effect On Withdrawal Amounts 03:57 - Pros Of The Age [--] RMD 04:03 - More Tax-Deferred Compounding 04:23 - Bigger Tax-Planning Window 05:28 - Qualified Charitable Distributions 06:10 - Potentially Changes Sequence-Of-Returns Risk 07:06 - Still-Working Exception 07:35 - Cons Of The Age [--] RMD 07:43 - Bigger Tax Bombs Later 08:23 - Two-RMDs Trap 09:09 - Estate And Beneficiary Dynamics 10:29 - Many People Treat RMDs As The Spending Rule 10:59 - Distributional Critique 11:34 - Why Did Congress"
YouTube Link 2025-10-28T13:45Z 322K followers, 100.2K engagements
"How Much Money Should I Have Saved by Now (Fidelity T. Rowe Price & Chase Respond) 00:00 - Intro 00:56 - Fidelity (the [---] Rule) 03:46 - Fidelity Assumptions 09:08 - T. Rowe Price (Ranges) 10:29 - How to read the range 14:33 - J.P. Morgan / Chase (Income Checkpoints) 19:02 - $100K Household Example 19:55 - How to Use These Guides 21:00 - Bloopers Are you on track with your retirement savings In this video we compare Fidelitys [---] rule T. Rowe Prices savings ranges and J.P. Morgan Chases income checkpoints to answer the question: How much should you have saved by age [--] [--] [--] and [--] Youll see"
YouTube Link 2025-10-01T13:45Z 322K followers, 103.2K engagements
"How to Calculate the True Value of Your Pension Net Worth Guide (Step-by-Step) 00:00 - Intro 01:11 - The Real Power of a Pension 01:52 - The Hidden Psychological Value 03:08 - How Much Is Your Pension Actually Worth 04:44 - Annual Pension Payment 04:59 - Number of years you expect to receive the pension 05:53 - Discount Rate 07:57 - One More Layer: Inflation Protection 09:56 - What Would It Take to Replace This Pension 10:49 - Why This Matters So Much 11:55 - Bloopers Wondering how your pension fits into your retirement plan In this video Ill show you how to calculate its true value using a"
YouTube Link 2025-07-28T13:45Z 322K followers, 210.7K engagements
Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing