#  @foundryfinancial Kevin Lum, CFP® Kevin Lum, CFP® posts on YouTube about retirement, kevin, retire, social security the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours. ### Engagements: [------] [#](/creator/youtube::UCq6DI13VeRVnJu-a6wjhgvQ/interactions)  - [--] Week [-------] +38% - [--] Month [---------] +12% - [--] Months [---------] -4.30% - [--] Year [----------] +45% ### Mentions: [--] [#](/creator/youtube::UCq6DI13VeRVnJu-a6wjhgvQ/posts_active)  - [--] Week [--] +51% - [--] Month [--] +27% - [--] Months [--] +16% - [--] Year [--] +52% ### Followers: [-------] [#](/creator/youtube::UCq6DI13VeRVnJu-a6wjhgvQ/followers)  - [--] Week [-------] +0.52% - [--] Month [-------] +3.20% - [--] Months [-------] +27% - [--] Year [-------] +90% ### CreatorRank: [-------] [#](/creator/youtube::UCq6DI13VeRVnJu-a6wjhgvQ/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [celebrities](/list/celebrities) **Social topic influence** [retirement](/topic/retirement) #126, [kevin](/topic/kevin) #1089, [retire](/topic/retire) #278, [social security](/topic/social-security) #84, [investment](/topic/investment), [money](/topic/money), [social](/topic/social), [$1m](/topic/$1m) #99, [donald trump](/topic/donald-trump), [math](/topic/math) **Top accounts mentioned or mentioned by** [@voiceofreason](/creator/undefined) **Top assets mentioned** [Charles Schwab Corporation (SCHW)](/topic/charles-schwab) [Dave Inc. (DAVE)](/topic/$dave) ### Top Social Posts Top posts by engagements in the last [--] hours "7 Tax Moves You Must Make Before December [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin shares seven essential tax planning strategies to help you reduce your tax liability in [----] and set yourself up for a stronger financial future. Kevin emphasizes the importance of holistic tax planning and developing a 'base case' by assessing your current tax situation. He covers various tax-saving tactics including maximizing retirement contributions tax loss harvesting tax gain harvesting and the benefits of donor-advised funds. Kevin also" [YouTube Link](https://youtube.com/watch?v=CP9Iy2dzrIw) 2025-11-22T21:44Z 193K followers, 86.9K engagements "Your Financial Advisor Could Be Quietly Sabotaging Your Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Kevin explains why some financial advisors may not tell the full story and shares five signals it may be time to leave: (1) they lead with selling products instead of building a comprehensive plan (2) they arent a fiduciary and their compensation is unclear or commission-based (3) they avoid tax planning or" [YouTube Link](https://youtube.com/watch?v=aoXj0Rxy7KQ) 2026-02-14T23:13Z 193K followers, [---] engagements "How Long Until Your Roth Conversion Pays Off You might be surprised. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin explains how to calculate the break-even point using RightCapital emphasizing the impact on long-term tax savings asset growth and tax-adjusted ending assets. Learn why a simple break-even point isn't the only factor and understand the importance of variables such as life expectancy todays and future tax rates and the widows penalty. Ideal for those planning their retirement and looking to minimize their long-term tax burden with" [YouTube Link](https://youtube.com/watch?v=7-QT-XF1rv4) 2024-10-19T22:00Z 193K followers, 422.2K engagements "Average Retirement Savings by Age [--]. Are You Ready to Retire Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of" [YouTube Link](https://youtube.com/watch?v=9GpQy_xFd9w) 2023-11-04T13:00Z 193K followers, 1.6M engagements "10 Unsexy Habits That Lead to a Great Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Retirement Checklist ✅ https://foundryfinancial.net/what-issues-should-i-consider-before-i-retire In this video Kevin shares the top [--] habits that make retirees successful and worry-free. Kevin discusses three key habits for building wealth: living below your means automating savings and staying invested through market fluctuations. He then covers seven essential habits for protecting and enjoying that wealth: knowing your spending treating cash as a tool planning" [YouTube Link](https://youtube.com/watch?v=Qh-OS0g5HOI) 2026-01-24T22:00Z 193K followers, 233.8K engagements "Why Fully Funded Retirements Are Falling Apart ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *WSJ Article*: https://www.wsj.com/health/wellness/the-retirement-crisis-no-one-warns-you-about-mattering In this episode Kevin discusses a new type of retirement crisis where despite having sufficient funds and a well-laid financial plan retirees find themselves feeling worthless and undervalued. He explores the concept of 'mattering span'how long you continue to feel needed and your life makes a differenceand its crucial role in retirement satisfaction. Kevin shares" [YouTube Link](https://youtube.com/watch?v=iLRZoVfUsR8) 2026-02-07T22:00Z 193K followers, 71.5K engagements "These [--] Types of Retirees are Richer Than They Think ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Many believe you need millions to retire comfortably but in this video Kevin explains why many retirees are actually better off than they think. Breaking down five key traits of successful retireesmodest spending being debt-free having guaranteed income having solid healthcare and budget flexibilityKevin shows how these" [YouTube Link](https://youtube.com/watch?v=oBJh9V9fFXs) 2026-01-31T22:00Z 193K followers, 112.6K engagements "48% of Retirees Will Require This Care: Is the INSURANCE worth it Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we discuss the critical question: Is long term care insurance a waste of money Kevin discusses the variable costs of long term care across different regions and explains different insurance options including traditional policies hybrid life insurance and annuities. Kevin provides a framework to help you determine if long term care insurance is ideal for you explores alternatives like HSAs and home equity and showcases a tool to" [YouTube Link](https://youtube.com/watch?v=Nk-5OQdY2ek) 2024-08-17T22:00Z 193K followers, 40.5K engagements "Avoid this BIG ROTH Mistake - Roth IRA [--] Year Rule Explained ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin dives deep into the complexities of the Roth IRA five-year rulea frequently misunderstood tax law essential for Roth conversions. Kevin begins by explaining the Roth IRA ordering rules emphasizing the sequence in which contributions conversions and earnings can be withdrawn. He then details the two distinct five-year rules: one pertaining to conversions made under the age of [----] and another regarding the tax-free withdrawal of" [YouTube Link](https://youtube.com/watch?v=1N45l1gG9oA) 2025-03-22T22:00Z 193K followers, 98.1K engagements "Retirement Lies Real Case Study Proves You Need WAY Less Than $1M to Retire ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin challenges the idea of needing a million or more dollars to retire comfortably. He explains that retirement planning is more about cashflow and expenses rather than a magic number. Through a detailed scenario with Elaine Bennis a retired publishing professional with a modest savings portfolio Kevin illustrates how focusing on guaranteed income sources managing expenses and considering potential risks can provide a more" [YouTube Link](https://youtube.com/watch?v=27GWX4kbJZg) 2025-02-23T22:00Z 193K followers, 60.9K engagements "Sell These [--] Things BEFORE Retiring ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Join Kevin Lum as he discusses the five essential things to sell before you retire to simplify your life and improve your financial standing. Using a personal anecdote Kevin illustrates the importance of letting go of unnecessary items. 00:00 Introduction 00:29 The Importance of Letting Go 02:34 Sell #1 04:12 Sell #2 05:37 Sell #3 07:39 Sell #4 09:06 Sell #5 10:24 Conclusion *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* //" [YouTube Link](https://youtube.com/watch?v=2OkqsP96EBw) 2025-05-17T22:00Z 193K followers, 1.3M engagements "Eight Things To STOP DOING After [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Kevin shares essential advice on transitioning into retirement. He emphasizes the importance of valuing experiences over material possessions and changing one's perspective on money from a scoreboard to a tool. Lum highlights the benefits of prioritizing health investing in experiences and embracing authenticity. He also warns against constantly worrying about money and attempting to time the market. The video focuses on purposeful deaccumulation and creating a balanced" [YouTube Link](https://youtube.com/watch?v=4LSX-zitbD0) 2025-11-01T21:00Z 193K followers, 56.8K engagements "7 Signs You're Done Working (Even If You Haven't Admitted It Yet) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin highlights the subtle signals that may indicate it's time to retire inspired by an insightful article from the Wall Street Journal. Kevin discusses the epiphanies and signs such as feeling numb at work reluctance to learn new tools disinterest in promotions experiencing 'Sunday Scaries' obsessively checking your 401k a desire to volunteer and physical aches and pains. He emphasizes the importance of having clarity and purpose" [YouTube Link](https://youtube.com/watch?v=8i6h4LbzCpg) 2025-12-06T22:00Z 193K followers, 70.5K engagements "If I Wanted to Retire Well This is What I'd Do in [----] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Boldin*: https://go.boldin.com/foundryfinancial *Monarch Money*: https://www.monarchmoney.com/referral/kii6sn8eym In today's episode Kevin outlines five critical strategies to supercharge your retirement plan. Don't miss out on these essential tips to secure your financial future and retire without worry. Also learn about the benefits of tools like Monarch Money and Bolden for detailed retirement planning. Start today and ensure your best retirement outcome" [YouTube Link](https://youtube.com/watch?v=9nFVHjNQ1gA) 2025-06-07T22:00Z 193K followers, 127K engagements "A Comprehensive Guide to RMDs for [----] Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we're going to give you a comprehensive guide to Required Minimum Distributions (RMDs) including: [--]. What are required minimum distributions [--]. How do I calculate my required minimum distribution [--]. How are my RMDs taxed [--]. What happens if you don't take the RMD [--]. Am I required to take an RMD on a Roth IRA or Roth [---] [--]. How do the rules differ for inherited IRAs [--]. How do I reduce taxes on my qualified accounts and how do I reduce my RMDs 00:00 - Intro 01:07" [YouTube Link](https://youtube.com/watch?v=O6RBWc3tYBg) 2024-02-03T23:00Z 193K followers, 169.2K engagements "Forced Into Roth: New 401(k) Rule Hits Age 50+ ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Software Access ✅ https://foundryfinancial.typeform.com/rightcapital Starting next year high earners making over $145000 annually will lose a key tax break due to new IRS rules from the Secure Act [---]. Kevin details the changes impacts and preparations needed. High earners aged [--] and above will now have to direct catch-up contributions into a Roth 401k instead of traditional 401k removing upfront tax deductions but allowing for tax-free withdrawals later. This" [YouTube Link](https://youtube.com/watch?v=PHBHxx5TQdE) 2025-09-27T21:30Z 193K followers, 116.3K engagements "Roth Conversions Just Got UGLY (Tricky) Under the Beautiful Bill ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download the Slides: https://foundryfinancial.net/obbba-tax-implications In this episode Kevin Lum and special guest Noah Hankin CPA discuss the massive tax implications of the recently passed 'One Big Beautiful Bill Act' on Roth conversions and retirement planning. The video provides an in-depth analysis of new tax bracket changes enhanced senior deductions SALT cap increases and other tax provisions that could significantly impact your retirement" [YouTube Link](https://youtube.com/watch?v=XhTV5vxk5PQ) 2025-07-26T21:00Z 193K followers, 196.4K engagements "Should I delay my Social Security Use This 5-Step Test ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Access to Planning Software: https://foundryfinancial.typeform.com/rightcapital When should I claim my Social Security benefits In this episode Kevin provides a straightforward five-point decision framework to help you determine the best time to claim Social Security benefits. He details how longevity income gap family dynamics taxes and security (acronym LIFTS) play crucial roles in this decision. Kevin also offers insights into the benefits of delaying" [YouTube Link](https://youtube.com/watch?v=ZxsRWyDBmAY) 2025-08-09T22:32Z 193K followers, 127.8K engagements "7 Things Retirees Are Told to Buy (That You DON'T Need) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses seven common financial products and services often recommended to retirees that may actually be unnecessary. Kevin also highlights the importance of having a clear retirement plan to avoid these financial missteps and offers free access to planning software and consultations. 00:00Introduction: The Unexpected Advice 00:50Item [--] 02:37Item [--] 05:00Item 3" [YouTube Link](https://youtube.com/watch?v=axIgg9Yvrhw) 2025-11-15T22:00Z 193K followers, 97K engagements "Average Retirement Income by Age [--]. Are you on track Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ The mismatch between retirement savings and spending has led some to declare a retirement crisis. Retirees get their income from a number of sources. For some it's a combination of pension payments retirement plan withdrawals investments Social Security and ongoing work. In today's video we're going to explore three questions: [--]. What are the average expenses in retirement [--]. What is the average income in retirement (both the mean and the median) [--]. Should" [YouTube Link](https://youtube.com/watch?v=cDXbETeQhE8) 2024-04-13T22:00Z 193K followers, 382.8K engagements "ONE Number CHANGES Everything EVERYONE Gets It Wrong ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Here's the link I mentioned: http://www.longevityillustrator.org/ Kevin addresses a critical number in retirement planning that is often miscalculated: life expectancy. In this video Kevin explains the importance and impact of accurately estimating life expectancy on retirement strategies such as Roth conversions and Social Security claims. He provides insights and examples to highlight how life expectancy affects financial planning and offers practical advice" [YouTube Link](https://youtube.com/watch?v=dwasGSTx_Fs) 2025-04-05T22:03Z 193K followers, 41.9K engagements "3 Mistakes That Wipe Out Million-Dollar Nest Eggs ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses three crucial questions that can reveal hidden risks in even the most seemingly solid retirement plans. By addressing these issues retirees can significantly improve their financial security and avoid common pitfalls that lead to financial failure. 00:00 Introduction: Why Rich Retirees Go Broke 01:33 Question [--] 03:50 Question [--] 07:54 Question [--] 12:38" [YouTube Link](https://youtube.com/watch?v=eSgXw9OZX3c) 2025-12-20T21:00Z 193K followers, 194.4K engagements "6 Reasons NOT to Convert to a Roth Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ In past videos I've talked about the power of Roth conversions but in today's video I'm going to cover the [--] reasons why converting your Roth might not be the best strategy for you In this video we explore scenarios where Roth conversions could actually lead to having less money in retirement with a Roth conversion. Don't miss out on these crucial insights to optimize your tax minimization strategies. *RIGHTCAPITAL LINK*: https://foundryfinancial.typeform.com/rightcapital" [YouTube Link](https://youtube.com/watch?v=jnebH39pvO4) 2024-04-06T22:00Z 193K followers, 870.5K engagements "STOP: [--] Beginner Retirement Mistakes Everyone Makes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses the most common mistakes people make when planning their retirement. Kevin walks through five major beginner errors stressing the importance of having a clear retirement plan before diving into specific investment tools and tactics. He underscores that strategies like tax planning and investment decisions should be tailored to individual needs and goals and emphasizes the pitfalls of overconsumption of retirement-related content" [YouTube Link](https://youtube.com/watch?v=n-jB-cIAS1c) 2025-06-14T22:00Z 193K followers, 133.8K engagements "5M Retirees Dont Lie: Real Data on Retirement Spending ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download the Study ✅ https://foundryfinancial.net/jp-morgan-spending-study In this episode Kevin delves into the findings from two extensive JP Morgan studies on retirement spending. Covering over [--] million households these studies reveal critical insights about retirement spending patterns including the retirement spending surge spending volatility and the spending curve or 'spending smile.' Learn why spending typically peaks in your late forties to early" [YouTube Link](https://youtube.com/watch?v=s1BgFvkFeyw) 2025-09-20T21:30Z 193K followers, 545.4K engagements "ROTH IRA TRAP Why Your Instincts Are Wrong (Think Like This Instead) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Access to Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin navigates the debate on Roth conversions for retirees. Prompted by a recent controversy Kevin discusses the potential benefits and pitfalls of Roth conversions addressing concerns such as tax rate increases widow taxes and RMDs. He explains the importance of probabilistic thinking in retirement planning and uses a detailed example to show" [YouTube Link](https://youtube.com/watch?v=vCAlCccItNg) 2025-10-25T21:01Z 193K followers, 91.5K engagements "The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses the critical factors that can make or break the success of Roth conversions and highlights a common mistake that could cost individuals significantly over their lifetime. The video covers the basics of Roth conversions the importance of tax brackets and factors such as investment selection and timing. Using a real-life scenario Lum walks through how proper tax planning and strategic Roth conversions can lead to substantial" [YouTube Link](https://youtube.com/watch?v=xG07OC5LJtQ) 2025-02-09T02:00Z 193K followers, 1.2M engagements "Once I Learned THIS Market Crashes Stopped Scaring Me Here's a link to a blog post with some of the charts and sources I reference: https://www.foundryfinancial.org/blog/dont-fear-the-coming-market-crash In this episodeKevin explains why another market crash is almost guaranteed and why you shouldn't worry about it. He breaks down historical data on market returns intra-year drawdowns and the emotional errors that cause investors to lose money. Kevin also dives into the story of past market crashes and what they can teach us about future investing. 00:00 Introduction 01:24 Historical Market" [YouTube Link](https://youtube.com/watch?v=2yufeG6mHbA) 2025-01-04T23:00Z 93.5K followers, 64.9K engagements "Wow. Incredible advice from Warren Buffett" [YouTube Link](https://youtube.com/watch?v=3Vl_DGaj0a4) 2024-05-06T15:23Z 28.1K followers, [--] engagements "Breaking News: Social Security COLA Estimate Raised for [----] The August CPI numbers were just released and they came in higher than expected which had a big impact on the cost of living estimates for [----]. In this video I break down how the COLA adjustment is calculated and tell you what the cost of living increase is estimated to be for [----] according to the Senior Citizen League. *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=4lAVhRA3ni0) 2023-09-16T16:00Z [--] followers, 42.7K engagements "Discover [--] SIMPLE Habits for a Happy RETIREMENT Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll discuss the surprisingly simple habits that can increase your happiness and life satisfaction during retirement. In this video we'll share eight simple habits that we discover from Dan Buettner and his [--] years of research on the world's happiest places and blue zones where people live the longest. *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=7T2DLjvZnn0) 2023-12-16T14:00Z 95.7K followers, [----] engagements "Technology is Separating Advisors. It Could IMPACT You. ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why he stands out compared to traditional financial advisors by leveraging advanced technology to optimize retirement and tax planning. He covers an upcoming conference Future Proof which focuses on tech innovations in financial advisory services. Kevin walks through various tools like Right Capital Holistiplan Income Laboratory Riskalyze and Wealth.com showing how these technologies enhance client service. Finally he" [YouTube Link](https://youtube.com/watch?v=83gqTMFwh44) 2024-08-31T22:00Z 51.7K followers, [----] engagements "10 Unexpected RETIREMENT Facts No One Tells You Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ As a retirement professional I've devoted countless hours to retirement planning and engaging with retirees. Through these conversations I've uncovered several unexpected challenges that many wish they had known about before retiring. In today's episode I'll reveal the top ten retirement surprises and offer practical advice on how you can effectively prepare for them. *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=9wQclJZ_VLc) 2024-04-20T22:00Z 118K followers, 167.5K engagements "If youre in your 50s or 60s [--] CRITICAL financial moves. In this episode we discuss the top five financial moves you should make in your 50s and 60s to optimize your retirement plan. 00:00 Introduction 00:36 First Move 03:17 Second Move 04:37 Third Move 08:01 Fourth Move 09:53 Fifth Move 12:46 Conclusion *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always" [YouTube Link](https://youtube.com/watch?v=AKQThb4u--c) 2024-11-02T22:00Z 67.4K followers, 16.1K engagements "Trump Won. How will it impact your financial future A CFP explains. ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment Trump won. How will that impact your financial and retirement plan. In this video we explore how a Trump administration may impact taxes inflation and retirement planning specifically social security and Medicare. We outline the potential outcomes for tax cuts inflation risks and the implications for those preparing for retirement and also suggests how spiking bond yields and a booming stock market can be an opportunity to" [YouTube Link](https://youtube.com/watch?v=BtJaO9IAc7o) 2024-11-09T23:00Z 78.5K followers, 410.3K engagements "7 Critical Disaster Prep Steps You Need To Do NOW Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this crucial episode Kevin provides a comprehensive guide on preparing for natural disasters like tornadoes floods fires earthquakes and hurricanes. 00:00 Introduction 01:43 Insurance 03:09 Important Documents 04:43 Inventory 05:57 Contacts 06:40 Kit 08:36 Plan 09:58 Savings 11:53 Conclusion *Work With Us* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=ERlZ9wtIy_U) 2025-01-18T22:00Z 96.2K followers, [----] engagements "Wow Incredible advice from Warren Buffett. ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified" [YouTube Link](https://youtube.com/watch?v=Eb76aoY9CMI) 2024-05-06T15:51Z 67.7K followers, 21.4K engagements "3 Simple Questions Could Change Everything ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we explore three transformative questions developed by renowned financial advisor George Kinder. These questions are designed to help you gain clarity on your financial and personal goals by imagining different scenarios involving unlimited money limited time and imminent mortality. Kevin explains how these questions can provide deep insights into what truly matters potentially altering the way you live and manage your financial planning." [YouTube Link](https://youtube.com/watch?v=EhihL0C7M8c) 2024-06-08T22:00Z 78.5K followers, [----] engagements "What is the WIDOWS penalty How to AVOID it ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment In this eye-opening episode we delve into the financial impact of the "Widow's Penalty" or "Widowers Penalty" a term that highlights the economic challenges faced by surviving spouses after the death of their partner. We'll explore how tax changes social security benefits reductions and increased health care costs can create a sudden and severe financial burden. Whether you're directly affected or interested in economic and social justice this" [YouTube Link](https://youtube.com/watch?v=Fi5T1HP095Y) 2024-05-05T18:05Z 78.3K followers, 31.5K engagements "Top [--] Retirement Income Methods EXPLAINED Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum explores three different approaches to generating retirement income: the probability-based approach the safety-first approach and the bucket strategy. He also introduces the 'four L's' framework for retirement planninglongevity lifestyle liquidity and legacyand walks through case studies to illustrate the pros and cons of each method. Kevin emphasizes the importance of reliable income sources like Social Security and the considerations of risk" [YouTube Link](https://youtube.com/watch?v=Fp7_vFGTb3I) 2024-07-20T22:00Z 110K followers, 37.3K engagements "ALARMING Market Signal Should You PANIC Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses concerns about the current state of the stock market particularly the S&P [---]. He explains why high valuations and concentrated investments in top-performing tech companies may pose risks especially for retirees. Kevin dives into data on historical market trends examines the CAPE ratio and price-to-book ratio and stresses the importance of portfolio diversification to mitigate these risks. He provides strategies for balancing investments in U.S. and" [YouTube Link](https://youtube.com/watch?v=H0d37xND7ZY) 2025-01-25T22:46Z 97.6K followers, 43.3K engagements "Part-Time Work in Retirement [--] Essential Things to Consider Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ Thinking about working part-time in retirement You're not alone Many retirees choose to keep working for extra income social connection or to stay mentally sharp. But a part-time job in retirement looks different than a full-time career. In this video we explore [--] essential things to consider before diving into a post-retirement job search. We'll cover how to: -Balance your desired lifestyle with work hours. -Leverage your experience and skills for a" [YouTube Link](https://youtube.com/watch?v=JK3iuqBt_xU) 2024-05-11T22:01Z 168K followers, 15.5K engagements "I QUIT Traditional Retirement Planning and You Should TOO Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Today we contrasts two nearly identical retirement plansone that fails and one that succeedsby highlighting a small yet crucial difference in approach. Using real-life market data and financial planning software Kevin explains why he deviated from the traditional Monte Carlo simulation to adopt a dynamic income strategy. He demonstrates this through scenarios involving market crashes and details how guardrails can drastically reduce retirement anxiety by" [YouTube Link](https://youtube.com/watch?v=JSYbdgB0JBw) 2025-01-11T23:00Z 162K followers, 237.8K engagements "4 Uncomfortable Retirement Truths You Need To Hear Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we into the intricacies of retirement planning by revealing four critical yet uncomfortable truths. From the inevitability of facing imperfect retirement plans and global financial crises to the paramount importance of prioritizing health over wealth and the challenging transition from saving to spending Kevin covers it all. Learn about the necessity of flexibility effective risk management and maintaining physical and mental well-being. Gain" [YouTube Link](https://youtube.com/watch?v=KJm1cDFtpq4) 2024-10-26T22:00Z 129K followers, 59.5K engagements "What Order Should You Invest Your Money A CFP Explains ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the optimal order for investing your money to maximize tax savings and build wealth. Kevin covers foundational steps like establishing an emergency savings fund taking advantage of 401k company matches and paying off high-interest debt. He then delves into more advanced strategies such as maxing out 401k contributions utilizing Health Savings Accounts (HSAs) Roth IRAs and taxable brokerage accounts. Additionally Kevin" [YouTube Link](https://youtube.com/watch?v=Kmrh1X_Kfc0) 2025-03-09T00:28Z 193K followers, 26.3K engagements "The [--] MOST IMPORTANT Things to Own in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses seven key purchases that can enhance your retirement experience. Beyond financial planning Kevin emphasizes the importance of investing in items and services that contribute to your health and happiness. You can watch the Huberman episode on sleep here. https://youtu.be/lIo9FcrljDksi=Tr35D-Pc3DgknvjW 00:00 Introduction 00:56 Purchase One 03:40 Purchase Two 04:53 Purchase Three 08:30 Purchase Four 09:37 Purchase Five 12:14 Purchase Six" [YouTube Link](https://youtube.com/watch?v=NEyOfepwyOE) 2024-12-07T23:00Z 109K followers, 182.7K engagements "How Much Can You Spend in Retirement A Surprising Answer Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses a common question: 'How much money can I spend in retirement' He introduces a dynamic income strategy for planning retirement spending and walks through a case study with a couple Jim and Pam who have $2 million in assets. Kevin covers their financial situation including assets social security and expenses and uses software to model out their retirement plan. He evaluates the impact of potential market downturns and various" [YouTube Link](https://youtube.com/watch?v=OPmf2cuvmCA) 2024-07-27T22:00Z 110K followers, 38.9K engagements "RETIREMENT: One Question Makes All the Difference Monarch Link: https://bit.ly/44cFPXp 00:00 Introduction 00:28 The Real Question: What Kind of Retirement Do You Want 00:59 The Unexamined Financial Life 02:35 Habit [--] 04:30 Habit [--] 07:30 Habit [--] 10:50 Habit [--] 12:51 Conclusion *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about" [YouTube Link](https://youtube.com/watch?v=PceIAt-1umQ) 2025-04-26T22:00Z 193K followers, 17K engagements "Why BOND prices are FALLING Bonds [---] ✅ *SCHEDULE A FREE CALL* ✅ / https://foundryfinancial.org/get-started In this episode we delve into the recent 'Bond Bloodbath and explore how bonds work and the reasons behind the plummeting bond prices. Bond prices are experiencing one of the worst bear markets in over [--] years in fact [----] was the worst year for bonds in the US EVER. Ill explore why I stopped using bonds for most clients a few years ago and Im considering using bonds again. When youre done youll understand why bond prices are falling and what the future might hold for bond prices." [YouTube Link](https://youtube.com/watch?v=PjcMd4xBoco) 2023-10-07T22:00Z 78.9K followers, 16K engagements "Your Retirement Plan Is Missing a CRUCIAL Element Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum shares insights from psychologist Abraham Maslows later work on the hierarchy of needs exploring its powerful implications for retirement planning. We dive into how retirement is about more than just financial planningit's also about fulfilling deeper human needs like learning relationships and purpose. Kevin emphasizes the importance of self-actualization and transcendence where living beyond oneself and serving a greater purpose becomes" [YouTube Link](https://youtube.com/watch?v=Q15u5FnBQ-Q) 2024-10-12T22:00Z 109K followers, 62.3K engagements "Should I retire NOW [--] Questions to Help You Decide Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll discuss five pivotal questions to consider that will help guide your decision to retire. Remember retirement isn't just about financial readiness; it's about life readiness. Our goal here isn't to talk about numbers or the financial aspect of retirement but rather to help you have the framework to decide whether the timing is right for you. We'll explore questions like: Is it worth trading your time for more financial resources How is your" [YouTube Link](https://youtube.com/watch?v=QXwvyvzR9Eg) 2023-06-17T18:00Z 127K followers, 36.5K engagements "RETIREE Wealth JUMPS by 33% How do you compare ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Heres the data I referenced: https://www.federalreserve.gov/econres/scf/dataviz/scf/chart/ In this episode Kevin dives into the surprising realities of retirement wealth revealing how many retirees are technically millionaires when factoring in investments home equity and social security. Using recent Federal Reserve data he shows how median net worth for retirees has significantly risen emphasizing why knowing your own financial situation matters more than" [YouTube Link](https://youtube.com/watch?v=QyluQUGBYi8) 2025-03-29T22:00Z 193K followers, 31.9K engagements "3 Social Security Mistakes EVERYONE Makes (Real World Examples) ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin explains the common mistakes people make when claiming Social Security benefits and provides strategies to avoid them. Lum discusses the significant financial impact of claiming benefits too early the tax implications associated with Social Security income and the importance of maximizing spousal and survivor benefits. Using practical illustrations he emphasizes how delaying benefits and careful tax" [YouTube Link](https://youtube.com/watch?v=R0unLoO3e4Q) 2024-09-07T22:00Z 80.1K followers, 134.1K engagements "Worried About a Market Crash Do THIS Before Its Too Late ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin responds to a client's urgent inquiry about preparing for a potential 'Trump crash' amidst recent market volatility. Kevin discusses the importance of long-term investing the impact of political and economic uncertainty and provides a three-step framework for securing your financial future. He emphasizes the value of diversifying investments and maintaining a balanced portfolio and concludes with practical advice on managing short-term" [YouTube Link](https://youtube.com/watch?v=RG_c4Jughwg) 2025-03-15T22:00Z 193K followers, 125.6K engagements "How to Pay ZERO TAXES on Social Security [--] Simple Strategies 🧮 *SOCIAL SECURITY BENEFIT TAX CALCULATOR*: https://foundryfinancial.org/how-much-of-my-social-security-is-benefit-taxable ✅ *SCHEDULE A FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment Are you concerned about the increasing taxation of your Social Security benefits In this video Kevin discusses the historical context of Social Security taxation explaining its evolution since [----] and its impact on retirees today. With a significant number of Social Security recipients now subject to taxation" [YouTube Link](https://youtube.com/watch?v=StJKSFI0oKU) 2024-02-10T23:00Z 79K followers, 80.2K engagements "Why Smart Investors Lose Money (The Emotion Trap) *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I" [YouTube Link](https://youtube.com/watch?v=VvtHGcJfyd0) 2025-04-10T22:12Z 193K followers, [----] engagements "Retiring in [--] Years Do these [--] Things In today's episode we're talking about how to prepare for a smooth transition into retirement. Whether you're five years away from retirement or just starting to think about it these steps are crucial for ensuring you financially emotionally and physically ready for this significant life change. Retirement planning should begin right away to make sure youll be able to retire stress free. Website // https://foundryfinancial.org Facebook // https//facebook.com/retirementpodcast" [YouTube Link](https://youtube.com/watch?v=WGWzZ-1clLs) 2023-05-17T17:52Z 78.5K followers, 11K engagements "Why Looking Poor Is Important for Retiring Well Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video we explore why some of the wealthiest individuals live modestly and how 'looking poor' can be beneficial especially as you plan for retirement. We discuss the concept of the 'hedonistic treadmill' and how avoiding it can lead to financial freedom reduced stress and overall happier life. Learn the three key benefits of living below your means and get inspired by historical figures like John Wesley who exemplified this principle. This episode offers" [YouTube Link](https://youtube.com/watch?v=cz_nX3Mc-Ug) 2024-08-10T22:00Z 116K followers, 520.9K engagements "Trumps Tax Cuts Passed But at What Cost to Medicare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Budget Office Letter: https://foundryfinancial.org/cbo-medicare-letter In this episode Kevin breaks down President Trump's newly passed bill and its potential implications particularly for retirees. He discusses permanent tax bracket reductions estate and gift tax exemptions a raised SALT cap changes to HSA eligibility for working seniors and new deductions for social security and tip income. Lum also addresses the rumored $500 billion cut to Medicare linked with" [YouTube Link](https://youtube.com/watch?v=fDRruPsVpFc) 2025-05-22T23:50Z 129K followers, 99K engagements "WORRIED about RETIRING - Talk To These People First In this video Kevin gives a list of six key groups people you should talk to and questions to ask each person to help you as you prepare for your retirement. 00:00 Introduction 01:09 Person [--] 02:50 Person [--] 03:47 Person [--] 04:50 Person [--] 06:11 Person [--] 07:05 Person [--] 08:29 Bonus Person 09:45 Conclusion and Additional Resources *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=fIBL1yI60uU) 2024-11-23T23:00Z 76.4K followers, [----] engagements "Social Security Timing: Age [--] vs [--] to Maximize Retirement Income ✅ *FREE RETIREMENT ASSESSMENT* ✅ http://freeassessment.foundryfinancial.net In this episode we dive deep into one of the most important decisions you'll have to make as you approach retirement: When to start taking your Social Security benefits.Navigating Social Security can be overwhelming and understanding how your claiming age can dramatically affect your lifetime benefits is crucial. We'll break down the options - claiming at [--] full retirement age or delaying until [--] - and explore the advantages and disadvantages of" [YouTube Link](https://youtube.com/watch?v=kvpN0y3WhII) 2023-06-10T17:58Z 79K followers, 57.8K engagements "The [--] Biggest Risks to Your Retirement In this video we unveil the top five retirement risks that may jeopardize your financial security and provide practical solutions to conquer them. We'll explore inflation expected expenses in retirement unexpected expenses in retire sequence of return risk market underperformance and more. By addressing each of these risks head-on you can gain peace of mind and enjoy a fulfilled retirement. *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum Timestamps 0:00 Intro" [YouTube Link](https://youtube.com/watch?v=lIgbJNHbqzA) 2023-07-29T18:00Z 78.9K followers, [----] engagements "Market Crash - What You NEED To Know ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Feeling panicked about the current market turmoil In this video Kevin Lum addresses the pressing issues surrounding the latest tariffs and their impact on the markets. He discusses the complexities of global trade tensions the potential for stagflation and the uncertainty plaguing investments. Kevin offers practical advice on how to stay diversified avoid emotional decisions and create a robust strategy to weather the storm. If you're concerned about your financial future this" [YouTube Link](https://youtube.com/watch?v=lTniJD7lRDk) 2025-04-04T00:08Z 193K followers, 46.3K engagements "5 Things People Regret at the End of Retirement ✅ *SCHEDULE A FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment Retirement marks a pivotal chapter in our lives offering a chance to reshape our future and embark on new adventures. However it can also be a time for introspection prompting us to reflect on the path we've chosen and the life we aspire to live in this next chapter. In this episode we delve into the top [--] regrets people commonly express at the end of their retirement (and life). By understanding these regrets we can proactively make choices that" [YouTube Link](https://youtube.com/watch?v=m3Rbbx6C8FI) 2023-12-09T14:00Z 78.9K followers, 12.8K engagements "Did you save too much *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified salespeople working on commission pushing products that were not in my mothers best interest. Or advisors with minimums that shut-out all but the ultra wealthy. Disappointed with the options I took matters into my own hands and launched" [YouTube Link](https://youtube.com/watch?v=nmnA6Rgfs1k) 2025-08-05T17:00Z 193K followers, [----] engagements "Eight Things You Need to Know About a Bear Market Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment What is a bear market and how long does a bear market last Everyone is talking about the S&P [---] entering a bear market. In todays episode of Retirement Made Simple we are going to try to explore the top eight things you need to know about bear markets including answers to these questions: what is a bear market how long does a bear markets last how to invest in a bear market and how to survive a bear market. Remember I'm a financial advisor but I'm not your" [YouTube Link](https://youtube.com/watch?v=nvD7ojkZ4gs) 2022-06-24T22:15Z 119K followers, [---] engagements "The End of Social Security Four Myths Debunked ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment In this video we delve into a recent alarming headline from the Washington Post about the grim financial outlook for Social Security and Medicare. The report from the Social Security and Medicare Board of Trustees indicates that both programs are running out of funds at an alarming rate potentially leading to automatic benefit cuts within the next decade. However headlines often don't tell the whole story. Join me as I break down four major myths surrounding" [YouTube Link](https://youtube.com/watch?v=qP1lgt9c1aM) 2024-05-18T22:00Z 78.3K followers, 11.3K engagements "The Most UNDERRATED Account to Minimize TAXES in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Important Tax Numbers 2024: https://foundryfinancial.net/important-tax-numbers-2024 In this video Kevin discusses an underutilized retirement account that can be almost as powerful as a Roth IRA from a tax perspective. He explains how taxes work highlighting the difference between ordinary income and capital gains tax structures. Using a real-life example of a couple Phil and Claire Kevin demonstrates how to use a taxable brokerage account to reduce tax" [YouTube Link](https://youtube.com/watch?v=qlWvN8vhjTU) 2024-09-14T22:00Z 134K followers, 92.4K engagements "5 Simple Ways to Increase Your Social Security Benefit Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you nearing retirement and wondering how to maximize your Social Security income Maximizing Social Security benefits is key to retirement planning. In this video we'll show you five key steps to ensure you get the most out of your Social Security benefit and we'll tell you exactly how your social security benefit is calculated. From understanding the impact of your claiming age to the role of work history we'll break down everything you need to know. So" [YouTube Link](https://youtube.com/watch?v=rFE6pP2oFdE) 2023-07-08T17:04Z 107K followers, 18.2K engagements "New Bill Increases Social Security Benefit for Millions - but theres a catch. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin explains the Senate's recent approval of the Social Security Fairness Act which follows the House's decision in November. The legislation will increase social security benefits by $196 billion over the next [--] years positively impacting millions of Americans. Kevin discusses who qualifies for these benefits the implications for those with non-covered pensions such as teachers and firefighters and provides a timeline" [YouTube Link](https://youtube.com/watch?v=s10bqqk8XL0) 2024-12-21T23:00Z 118K followers, 761.9K engagements "Overcome the RETIREMENT Income DEATH SPIRAL ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment Are you worried about outliving your retirement savings In this video we dive deep into the concept of the Retirement Income Death Spiral and what it means for your financial future. Learn about the common mistakes to avoid and strategies to ensure that your retirement funds last throughout your golden years. Why Watch This Video -Discover Critical Pitfalls: We explore the biggest risks that can deplete your retirement income faster than expected. -Learn" [YouTube Link](https://youtube.com/watch?v=tR23CZ-EbYg) 2024-04-27T19:00Z 66.9K followers, 11.4K engagements "87% Of People Get These [--] Retirement Topics WRONG Test Yourself ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's episode Kevin addresses three crucial financial topics often misunderstood by both individuals and financial advisors. Kevin clarifies misconceptions about the gift tax explaining its implications limits and the role of IRS form [---]. He also demystifies the two different five-year rules associated with Roth IRAs detailing their applications for contributions and conversions. Lastly Kevin explains the social security earnings limit how" [YouTube Link](https://youtube.com/watch?v=tcUz6iptkyg) 2025-03-02T02:00Z 193K followers, 35.8K engagements "Retiring Overseas: [--] Factors You Can't Ignore 🚫 Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you considering retiring overseas It's a big decision and we're here to help In this video we'll discuss the five essential factors you should consider before making the leap. From healthcare and taxes we've got you covered. Join us as we explore the key elements that can make or break your retirement abroad. Whether you dream of waking up to breathtaking landscapes or immersing yourself in a new culture our comprehensive guide will equip you with the knowledge" [YouTube Link](https://youtube.com/watch?v=uaD-LxXjnHk) 2023-07-22T18:00Z 109K followers, 63.3K engagements "Trump Signs Tax Bill: 88% Pay $0 on Social Security President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum a certified financial planner dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions are temporary with expiration dates ranging from" [YouTube Link](https://youtube.com/watch?v=v5S4nRtT6yQ) 2025-07-05T20:00Z 137K followers, [----] engagements "Do THIS Now: Seven Year-End Tax Secrets That Could Save $$$ Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares seven essential tax planning strategies to help you optimize your tax situation and reduce your tax liability. Kevin stresses the importance of developing a base case for your taxes evaluating current financial events and strategically planning your moves sometimes even paying more taxes today to save later. He dives into various scenarios including when to contribute to Roth vs. traditional 401k/IRAs the benefits of tax loss" [YouTube Link](https://youtube.com/watch?v=vrPV59eOHtQ) 2024-12-14T23:00Z 107K followers, 45K engagements "CFP Reveals Best Place to Park Cash -- and what you miss. ✅ *SCHEDULE A FREE RETIREMENT ASSESSMENT* ✅ https://foundryfinancial.org/get-started In today's episode we explore the best places to park your cash that are safe and offer the highest yield. We'll cover: CDs Bank Accounts Government Treasuries My Guaranteed Annuities .and more. Most importantly we will also cover one major factor that almost everyone overlooks and it could cost you a fortune. *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=wTY77zHy9II) 2023-12-02T14:00Z 78.6K followers, 11.2K engagements "Is your retirement income at risk ✅ *SCHEDULE A FREE CALL* ✅ / https://foundryfinancial.org/get-started For decades the 60/40 portfolio has been heralded as the cornerstone of sound financial planning. But as we stand at the crossroads of changing global demographics surging federal deficits and an unpredictable market one has to wonder: Is the golden era of the 60/40 portfolio drawing to a close Beyond just the numbers we delve into the socio-economic factors driving these changes. Why is cheap money disappearing How are demographic trends influencing market returns And with the federal debt" [YouTube Link](https://youtube.com/watch?v=wZ2uR7xZk2w) 2023-10-28T13:00Z 78K followers, [----] engagements "Do you need a million dollars to retire Real-Life Case Analysis ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin answers the question: Do I need a million dollars to retire Using a real-life scenario Kevin analyzes if a single individual with $300000 in savings can successfully retire. He discusses the key factors to consider such as debt living expenses safe income sources and savings while highlighting the risks like long-term care costs and medical expenses. Kevin also offers insights into mitigating these risks through state" [YouTube Link](https://youtube.com/watch?v=wfFfnvCRbjI) 2024-08-03T22:00Z 78.8K followers, 28.7K engagements "6 types of income not taxed in retirement. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we explore six types of income that can be potentially tax-free in retirement. The video covers Health Savings Accounts (HSAs) qualified dividends and long-term capital gains municipal bonds downsizing or tapping into home equity qualified Roth distributions and tax-free Social Security benefits. Kevin explains the benefits requirements and potential pitfalls of each income source offering practical insights for minimizing your tax bill in retirement." [YouTube Link](https://youtube.com/watch?v=ybmWh88MWog) 2024-11-16T23:00Z 118K followers, 116.7K engagements "The Truth Revealed: Can Elon Musk and Trump ACTUALLY End Social Security In this episode Kevin addresses rising concerns and rumors about Elon Musk and the potential defunding of Social Security and Medicare. Kevin clarifies the limitations of presidential power in making these changes and highlights the importance of being prepared for market volatility unnecessary panic and misinformation. He also stresses the value of creating a robust financial plan to weather any economic uncertainties and emphasizes the need to safeguard personal data given the prevalence of data leaks. 00:00 Client" [YouTube Link](https://youtube.com/watch?v=yzgsYSPmxc4) 2025-02-15T23:00Z 191K followers, 155K engagements "A CFP Responds to Dave Ramsey's Advice Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Join us as we delve into the heated discussion ignited by Dave Ramsey's controversial take on retirement withdrawals. Dave's emphatic views have sparked widespread debate and in this must-watch video we dissect his advice piece by piece. We'll break down the insights he nailed and critically examine the aspects of his strategy that could potentially derail your retirement plans. Tune in for a comprehensive analysis that could safeguard your financial future *Private Facebook" [YouTube Link](https://youtube.com/watch?v=As2mDYHeSV4) 2023-11-11T14:00Z 172K followers, 124.7K engagements "What month should I retire ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry" [YouTube Link](https://youtube.com/watch?v=Br28Y0QGF2M) 2026-01-02T23:47Z 193K followers, [----] engagements "Massive Hack Puts You at Risk Act Now Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum CFP discusses a recent data breach that exposed [---] billion records including sensitive information like social security numbers. He explains the potential risks and impacts of this breach and provides practical steps for protecting oneself from identity theft. Key measures include setting up a 'mySocial Security' account obtaining an IRS IP pin credit freezes and fraud alerts. Additionally Kevin emphasizes the importance of ongoing vigilance in" [YouTube Link](https://youtube.com/watch?v=F5_8XJP_hSE) 2024-08-24T22:00Z 173K followers, 302.4K engagements "Social Security Spousal Benefits Made Easy: [--] Things You Need to Know Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we dive into the oft-overlooked topic of Spousal Benefits providing you with a comprehensive understanding of this significant aspect of your retirement planning. ✅ How do you qualify for spousal benefits ✅ Wondering how to calculate your spousal benefits ✅ How much can you expect to receive ✅ Our discussion would be incomplete without exploring the three key exceptions in the spousal benefits rules. ✅ Lastly we've put together a" [YouTube Link](https://youtube.com/watch?v=GV3V4ufR_Rw) 2023-07-15T18:00Z 181K followers, 68.9K engagements "You Might Be Overpaying for Medicare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses the influx of Medicare-related communications many receive during open enrollment season. He explains the importance of reviewing Medicare plans to avoid overpaying and introduces Chapter Medicare a service that helps compare plans to find the best fit. Lum also highlights common Medicare scams providing tips on how to spot and avoid them. Protect yourself by letting unknown calls go to voicemail and never give out your Medicare number to unsought" [YouTube Link](https://youtube.com/watch?v=HcXeHskYgu0) 2025-10-18T21:00Z 170K followers, [----] engagements "Watch This Before Roth Converting in 2024trust me. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment One of the most consequential choices you can make when preparing to retire is whether you should do a Roth Conversion. It could save you millions of dollars. When you perform a Roth Conversion you are deciding to pay taxes today to get out of future taxes. But is it worth it By the end of this video -- you'll have a much better idea. *RIGHTCAPITAL LINK*: https://foundryfinancial.typeform.com/rightcapital NOTE -- I ask a couple of questions but feel free to scroll" [YouTube Link](https://youtube.com/watch?v=IyIiSpYh_pk) 2024-01-27T23:00Z 175K followers, 453.6K engagements "60 With $1 Million How Much Can I Spend In Retirement ✅ *FREE RETIREMENT ASSESSMENT* ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll explore the popular question: can you retire at [--] with $1 million in your retirement account Using financial planning software RightCapital we analyze the probability of success for a hypothetical couple Phil and Claire based on different spending scenarios and market conditions. We then compare this traditional Monte Carlo approach with a dynamic income strategy using the software IncomeLab. Learn about the differences the concept" [YouTube Link](https://youtube.com/watch?v=QOMMXvbf05s) 2024-06-15T22:00Z 182K followers, 125K engagements "Surprising Research: Retirees Can Spend More Money in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode of "Retirement Made Simple" we delve into the fascinating world of guaranteed income and its profound impact on retirement spending. We explore why many retirees despite having sufficient funds often underspend in their golden years. We discuss the findings of the Health and Retirement Study (HRS) and how it reveals that households with more wealth in guaranteed income spend significantly more each year than those with more wealth in" [YouTube Link](https://youtube.com/watch?v=QWOU_T_6yCU) 2023-06-06T18:00Z 177K followers, 18.1K engagements "Are you most happy in retirement #retirement #retirementplanning Do you know what years are the happiest years of your life *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my" [YouTube Link](https://youtube.com/watch?v=RmhI8aEC7AM) 2024-04-25T19:28Z 170K followers, [----] engagements "Boomer Candy: Safe Retirement or Wall Streets Latest Trick ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum dives into the growing popularity of buffered ETFs also known as defined outcome investments. These products promise 80-100% downside protection with upside potential making them sound like a savvy investment choice. Kevin dissects the mechanics behind buffered ETFs including their composition of treasury bills and S&P [---] option call spreads. He examines their performance fees and potential downsides compared to traditional S&P" [YouTube Link](https://youtube.com/watch?v=Vdm_MjIW5z0) 2025-09-13T21:30Z 193K followers, 46.5K engagements "How to Beat Vanguard Index Funds Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ What to dive deeper here's free access to a new documentary being released about the history of modern finance by Errol Morris https://foundryfinancial.net/free-early-access 📈 While low-cost index funds like VTI and VXUS have been a game-changer for the average investor outperforming 95% of actively managed funds there's more to the story. In this episode we're exploring a different potentially more optimized way to invest your money. 🔍 We'll start by understanding the history" [YouTube Link](https://youtube.com/watch?v=ZNEJwNXDFdg) 2024-03-16T22:00Z 189K followers, 34.2K engagements "One Cost to Cut in Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the one cost that most people overlook in their retirement planning. While conventional advice often suggests cutting out lattes or downsizing homes Kevin highlights how uncertainty can cause over-saving stress and missed opportunities. Kevin introduces a five-part framework called the Foundry Framework to manage and reduce uncertainty allowing you to enjoy a worry-free retirement. The framework includes giving your money a purpose establishing a clear" [YouTube Link](https://youtube.com/watch?v=ZqfS5LxpoqA) 2025-07-12T16:01Z 193K followers, 39.6K engagements "Double Your 401K Before AI Takes Your Job (5-Year Plan) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses why you might need to double your retirement savings over the next five years due to rapid advancements in AI and its impact on the job market. Lum shares strategies to potentially double your retirement savings such as maximizing employer contributions reducing expenses automating savings diversifying account types and being strategic with your investment risks. He also touches on the potential economic impacts of AI and the" [YouTube Link](https://youtube.com/watch?v=_zXxQSpnsyo) 2025-07-19T21:43Z 193K followers, 64.1K engagements "6 Essential Steps Before You Retire - Don't Miss These ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses six essential steps you must take before retiring to ensure a smooth transition and successful retirement. Using the financial planning software RightCapital Kevin walks you through creating a comprehensive retirement plan. Key topics include envisioning your ideal retirement budgeting understanding your income sources managing savings and investments planning for healthcare and addressing tax strategies. Kevin also provides a" [YouTube Link](https://youtube.com/watch?v=h96IyenPZHM) 2025-02-01T22:11Z 105K followers, 20.5K engagements "$2 Million Retirement: Why the Math Says "No" (At First) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *RightCapital Trial*:https://foundryfinancial.typeform.com/rightcapital *Boldin*: https://go.boldin.com/foundryfinancial In this episode Kevin addresses a common question: Can you retire with $2 million He uses a detailed case study of Elaine Bennis who plans to retire in [----] at age [--] with $2 million in her portfolio. Through financial planning software like Right Capital and Income Lab Kevin illustrates how to assess retirement readiness by considering" [YouTube Link](https://youtube.com/watch?v=ieEB3la5Kvw) 2026-01-10T21:48Z 193K followers, 58K engagements "The Month You Retire Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an" [YouTube Link](https://youtube.com/watch?v=jAdEHICwgJ8) 2025-12-18T19:29Z 193K followers, 19K engagements "When should I retire Healthcare considerations. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand" [YouTube Link](https://youtube.com/watch?v=kQC0nYg-YtI) 2025-12-26T18:51Z 193K followers, [----] engagements "The BEST DIY Retirement Software A CFP Reviews New Retirement. Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Boldin*: https://go.boldin.com/foundryfinancial In this episode I compare retirement planning software RightCapital and New Retirement focusing on their suitability for financial advisors and DIY investors respectively. I walk you through building a retirement plan with New Retirement explaining key components like setting assumptions managing expenses and understanding tax implications. You'll also learn about the challenges and benefits of both" [YouTube Link](https://youtube.com/watch?v=kaqja5yj-r4) 2024-06-30T18:00Z 179K followers, 77.8K engagements "5 BIG Purchases Retirees (Almost) Always Regret Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's video we are going to discuss the "5 BIG Purchases Retirees (Almost) Always Regret" 🛑 Financial mistakes can cause significant stress and uncertainty especially during the retirement years when income is fixed. If youre retired or nearing retirement its crucial to make informed decisions to avoid regrets later on. 🔍 We have gathered insights and real-life experiences to compile this must-see list for retirees and future retirees. Well explore various" [YouTube Link](https://youtube.com/watch?v=lu8XW5bmwJc) 2023-09-30T17:05Z 174K followers, 1.4M engagements "7 Essential Accounts You Can't Afford to Ignore Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today we break down the seven essential financial accounts everyone should consider having for a well-organized financial life and efficient retirement planning. This video covers the fundamentals of accounts like checking accounts high-yield savings cash management accounts health savings accounts work retirement accounts traditional IRAs Roth IRAs and taxable brokerage accounts. Kevin highlights common mistakes to avoid and shares specific strategies to optimize" [YouTube Link](https://youtube.com/watch?v=nY_1vkcCD-4) 2024-10-06T00:29Z 183K followers, 35.3K engagements "Tax-Free Retirement Income with a Taxable Brokerage Account Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you looking for a smart and tax-efficient strategy to boost your retirement income In today's video we delve into the powerful concept of utilizing a taxable brokerage account to maximize your tax-free retirement income. ✅ Understanding the concept: We begin by exploring the ins and outs of taxable brokerage accounts and how they can play a crucial role in your retirement plans. By keeping taxable investments in a brokerage account you gain immense" [YouTube Link](https://youtube.com/watch?v=ypmGuZ0g4q4) 2023-08-19T16:00Z 178K followers, 44.9K engagements "The Month You Retire Really Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin explores whether the month you retire impacts your retirement experience and financial outcomes. Kevin delves into three critical areas: health and wellbeing tax efficiency and general financial considerations. Using real-life anecdotes and detailed examples he explains how factors like weather medical insurance tax planning and employer benefits can influence your ideal retirement" [YouTube Link](https://youtube.com/watch?v=4IUBd6g9gNo) 2025-12-13T22:00Z 193K followers, 39.6K engagements "How Trump's New Executive Order Will Reshape Your Retirement Options ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses President Trump's recent executive order and its implications for your retirement accounts. Understand the changes to 401k plans especially the inclusion of alternative assets like private credit private equity and cryptocurrencies. Learn about potential benefits pitfalls and what to expect in the coming years. Kevin also delves into the broader market trends and how to wisely incorporate these new options into" [YouTube Link](https://youtube.com/watch?v=8KgeUExZg_o) 2025-09-06T21:30Z 193K followers, 188.7K engagements "Trump Signs Tax Bill: 88% Pay $0 on Social Security ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions" [YouTube Link](https://youtube.com/watch?v=UTgH6dihlOM) 2025-07-05T23:18Z 193K followers, 121K engagements "I Was Blindsided: The Hidden Medicare Bill You Aren't Expecting ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download important Numbers for 2026✅ https://foundryfinancial.net/important-tax-numbers-for-2026 Kevin explains how the Income-Related Monthly Adjustment Amount (IRMAA) surcharge affects Medicare premiums and why it often blindsides retirees. Learn about the two-year lookback rule the thresholds and triggers for the IRMAA surcharge and practical strategies to minimize your taxable income to avoid unexpected costs. Kevin also guides you on how to" [YouTube Link](https://youtube.com/watch?v=Ve-foUnyQp8) 2026-01-03T22:00Z 193K followers, 36.1K engagements "7 Habits Of the Quietly Wealthy Retiree ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the common traits of successful retirees and introduces the concept of 'Quiet Wealth.' He shares insights from his many conversations with retirees who demonstrate a unique approach to wealth and retirement. Key topics include the importance of homeownership lifelong learning having steady careers investing simply and maintaining patience and consistency. Kevin also emphasizes the value of happiness security over status and spending money" [YouTube Link](https://youtube.com/watch?v=Zn_jCuOIQ3Q) 2025-11-08T22:00Z 193K followers, 219.9K engagements "Should You Pay Off Your Mortgage or Invest The Money Instead *Free Retirement Strategy Session * // https://foundryfinancial.org/get-started FREE Spreadsheet: https://foundryfinancial.net/mortgage-calculator Today we're tackling the age-old dilemma: paying off your mortgage early versus investing. Using a complex customizable spreadsheet Right Capital and Income Labs they provide detailed insights and calculations to help you make the best financial decision. Download the same spreadsheet used in the video and explore various scenarios yourself. Understand the pros and cons of each approach" [YouTube Link](https://youtube.com/watch?v=bhi3-n6bzLg) 2025-05-10T22:00Z 193K followers, 14K engagements "RETIREMENT EXPERT: Signs You're Doing Well Financially (Even if it doesnt feel like it) Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ In this episode Kevin discusses a trend hes noticed: many people are better off than they realize. He outlines five key indicators that suggest you might be richer than you think and explains how recognizing these signs can significantly improve your retirement plan. Join Kevin as he delves into these indicators and provides actionable advice to help you make the most of your wealth during retirement. 0:00 - Introduction 2:10" [YouTube Link](https://youtube.com/watch?v=oOItvrKXJsI) 2024-06-01T22:00Z 191K followers, 527.4K engagements "If you're in your 50s or 60s watch this. Life lessons from older retirees. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 00:00Introduction 01:04Regret #1 03:23Regret #2 07:50Regret #3 10:45Regret #4 12:55Regret #5 15:35Regret #6 18:40Regret #7 19:54Conclusion *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people" [YouTube Link](https://youtube.com/watch?v=6GGkVhhoHAo) 2026-01-17T22:51Z 193K followers, 111.2K engagements "This Will Change How You View Annuities Forever ✅ *FREE ANNUITY REVIEW*✅: https://www.foundryfinancial.org/free-annuity-review DAVE BLANCHETTS RESEARCH: https://papers.ssrn.com/sol3/papers.cfmabstract_id=3875802 In this episode we into the controversial world of annuities. Despite the bad reputation and frequent advice against purchasing annuities Kevin explains scenarios where annuities can be the optimal solution for some retirees. He discusses why annuities are often sold rather than bought the conflicts of interest in financial advice and what to look for if considering an annuity. Kevin" [YouTube Link](https://youtube.com/watch?v=CSBo3qTLJiU) 2024-09-21T22:08Z 192K followers, 21.8K engagements "The Hidden Financial Risk Most Families Dont See Coming ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Estate Planning Resources: https://foundryfinancial.net/estate-planning-tools Trust and Will: https://trustandwill.com/get-started In this episode Kevin addresses the critical yet often overlooked area of retirement planning: estate planning. Highlighting the fact that a large percentage of Americans lack a will Kevin provides six essential tips to help you ensure your family's future security. He covers creating a will considering a trust setting up" [YouTube Link](https://youtube.com/watch?v=IMp4t6UPDB4) 2025-06-28T22:00Z 193K followers, 20.2K engagements "I'm [--] with 80% (401k IRA etc.). How Do I Minimize Taxes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment FREE Planning Software Access: https://foundryfinancial.typeform.com/rightcapital 00:00 Introduction 00:09 The Story of a Potential Client 01:05 Understanding Tax-Deferred Accounts 03:27 Case Study: Phil and Claire's Retirement Plan 05:37 The Problem with Required Minimum Distributions (RMDs) 08:51 Strategies to Mitigate Tax Burden 11:51 Conclusion and Next Steps *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook" [YouTube Link](https://youtube.com/watch?v=_aZM5xRN7ag) 2025-08-30T21:45Z 193K followers, 315.2K engagements "Retirees Spend 80% of Their Income in These [--] Areas How do you compare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin delves into the main areas where retirees spend money sharing national data on average expenditures. He offers practical tips to significantly reduce costs in entertainment food healthcare transportation and housing without diminishing your lifestyle. Learn how to make the most of discounts optimize Medicare plans leverage libraries and explore potentially cost-effective strategies like Airbnb and buying in bulk. This" [YouTube Link](https://youtube.com/watch?v=_fX4ubp0buw) 2025-05-31T22:00Z 193K followers, 22.3K engagements "4 Things To Know If You're Retiring With A Pension ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download Historic Tax Rates Chart: https://foundryfinancial.net/historic-us-tax-rates In this episode Kevin discusses vital considerations for those with a pension. With less than 20% of American workers having access to traditional pensions the typical retirement advice may not apply to them. Kevin outlines four crucial strategies for pension holders to effectively plan their retirement including understanding inflation risks unique tax planning survivor benefit" [YouTube Link](https://youtube.com/watch?v=aA6UbjONyuw) 2025-06-22T12:00Z 193K followers, 203.6K engagements "Where Should You Pull Funds from First in Retirement Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment How you choose to withdraw your retirement funds can significantly affect the taxes you pay and how long your savings last. Should I pull from first -- my Traditional IRA ROTH IRA or Taxable Account In this video we look at a realize case study to help make this important decision and we even give you free access to the same tool financial advisors use. This information is particularly useful for those nearing retirement or who have just retired offering crucial" [YouTube Link](https://youtube.com/watch?v=vtXCMxk7uPs) 2024-01-20T23:29Z 192K followers, 1.5M engagements "Maximizing Income in Retirement #retirement *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an" [YouTube Link](https://youtube.com/watch?v=yfjryq2Z10A) 2024-04-10T20:29Z 192K followers, [----] engagements "Social Security: Stop Waiting Until [--] The Math Nobody Shows You ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Derek's Article: https://www.kitces.com/blog/discount-rate-delaying-social-security-benefits-retirement-planning/ In this video Kevin delves into a heated debate in the retirement planning community over the best time to claim Social Security. He discusses Derek Tharp's new controversial article that questions conventional wisdom suggesting to delay Social Security until age [--]. Kevin explores Tharp's critique of existing assumptions such as the" [YouTube Link](https://youtube.com/watch?v=7NkIQsw8P9M) 2025-10-04T21:00Z 193K followers, 267.5K engagements "Buy These [--] Things BEFORE You RETIRE ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares his insights on key purchases people should consider making before retiring. Based on his experience preparing hundreds of retirement plans Kevin discusses why pre-retirement spending can be both practically and psychologically smart. He highlights five critical areas: health and dental work home purchases major home repairs buying a reliable car and prepaying for bucket list experiences. Kevin also delves into the psychological struggles of" [YouTube Link](https://youtube.com/watch?v=IcXBswOvyzE) 2025-04-12T22:00Z 193K followers, 1.1M engagements "How Much Do I Need to Retire [--] Numbers to Help You Decide. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Can you afford to retire Will I have enough retirement income In this video I unveil the essential 5-numbers you need to confidently plan your golden years. From understanding your retirement expenses to calculating the potential shortfall discover the simple yet crucial ingredients to retire without financial worries. *Private Facebook Group* // http://facebook.com/groups/retirementforum" [YouTube Link](https://youtube.com/watch?v=JF7gwhiXgUU) 2023-09-23T17:00Z 193K followers, 203.9K engagements "Should You Draw Your 401(k) to Delay Social Security Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ Are you wondering whether to tap your 401k or IRA before claiming Social Security This video dives deep into a case study using RightCapital to help you maximize your benefits. Get ready for an in-depth analysis that will have you reaching for your spreadsheet. If you want to make the most of your retirement planning hit the subscribe button now How you choose to withdraw your retirement funds can significantly affect the taxes you pay and how long your" [YouTube Link](https://youtube.com/watch?v=lyy1-AXQhyc) 2024-03-02T23:00Z 193K followers, 172.2K engagements "The Shockingly SIMPLE Retirement Plan FREE Calculator ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 💻 Retirement Calculator: https://www.foundryfinancial.org/can-i-afford-to-retire Kevin explains the steps to determine what you want to do with your money in retirement how much it will cost you to live and how to stack up your guaranteed income. Kevin introduces a retirement calculator showing how to input your age retirement goals and financial information. By the end of this video you'll have a clear starting point to understand your retirement outlook and" [YouTube Link](https://youtube.com/watch?v=pzkny-P2Rww) 2025-08-23T21:45Z 193K followers, 63.3K engagements "Why Retirees With $1M Actually End Up With $5M ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why many retirees end up with more money than they started with due to being overly conservative with their spending. He introduces the concept of the 'consumption gap' and shares surprising data from studies including findings by Michael Kitces. Kevin stresses the importance of giving yourself permission to spend and creating a dynamic evidence-based income strategy to maximize spending confidence in retirement. Practical steps for" [YouTube Link](https://youtube.com/watch?v=zFVTN65OHqw) 2025-08-02T21:30Z 193K followers, 819.6K engagements "Your Financial Advisor Could Be Quietly Sabotaging Your Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Kevin explains why some financial advisors may not tell the full story and shares five signals it may be time to leave: (1) they lead with selling products instead of building a comprehensive plan (2) they arent a fiduciary and their compensation is unclear or commission-based (3) they avoid tax planning or" [YouTube Link](https://youtube.com/watch?v=aoXj0Rxy7KQ) 2026-02-14T23:13Z 193K followers, [---] engagements "Why Fully Funded Retirements Are Falling Apart ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *WSJ Article*: https://www.wsj.com/health/wellness/the-retirement-crisis-no-one-warns-you-about-mattering In this episode Kevin discusses a new type of retirement crisis where despite having sufficient funds and a well-laid financial plan retirees find themselves feeling worthless and undervalued. He explores the concept of 'mattering span'how long you continue to feel needed and your life makes a differenceand its crucial role in retirement satisfaction. Kevin shares" [YouTube Link](https://youtube.com/watch?v=iLRZoVfUsR8) 2026-02-07T22:00Z 193K followers, 71.5K engagements "These [--] Types of Retirees are Richer Than They Think ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Many believe you need millions to retire comfortably but in this video Kevin explains why many retirees are actually better off than they think. Breaking down five key traits of successful retireesmodest spending being debt-free having guaranteed income having solid healthcare and budget flexibilityKevin shows how these" [YouTube Link](https://youtube.com/watch?v=oBJh9V9fFXs) 2026-01-31T22:00Z 193K followers, 112.6K engagements "10 Unsexy Habits That Lead to a Great Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Retirement Checklist ✅ https://foundryfinancial.net/what-issues-should-i-consider-before-i-retire In this video Kevin shares the top [--] habits that make retirees successful and worry-free. Kevin discusses three key habits for building wealth: living below your means automating savings and staying invested through market fluctuations. He then covers seven essential habits for protecting and enjoying that wealth: knowing your spending treating cash as a tool planning" [YouTube Link](https://youtube.com/watch?v=Qh-OS0g5HOI) 2026-01-24T22:00Z 193K followers, 233.8K engagements "If you're in your 50s or 60s watch this. Life lessons from older retirees. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 00:00Introduction 01:04Regret #1 03:23Regret #2 07:50Regret #3 10:45Regret #4 12:55Regret #5 15:35Regret #6 18:40Regret #7 19:54Conclusion *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people" [YouTube Link](https://youtube.com/watch?v=6GGkVhhoHAo) 2026-01-17T22:51Z 193K followers, 111.2K engagements "$2 Million Retirement: Why the Math Says "No" (At First) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *RightCapital Trial*:https://foundryfinancial.typeform.com/rightcapital *Boldin*: https://go.boldin.com/foundryfinancial In this episode Kevin addresses a common question: Can you retire with $2 million He uses a detailed case study of Elaine Bennis who plans to retire in [----] at age [--] with $2 million in her portfolio. Through financial planning software like Right Capital and Income Lab Kevin illustrates how to assess retirement readiness by considering" [YouTube Link](https://youtube.com/watch?v=ieEB3la5Kvw) 2026-01-10T21:48Z 193K followers, 58K engagements "I Was Blindsided: The Hidden Medicare Bill You Aren't Expecting ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download important Numbers for 2026✅ https://foundryfinancial.net/important-tax-numbers-for-2026 Kevin explains how the Income-Related Monthly Adjustment Amount (IRMAA) surcharge affects Medicare premiums and why it often blindsides retirees. Learn about the two-year lookback rule the thresholds and triggers for the IRMAA surcharge and practical strategies to minimize your taxable income to avoid unexpected costs. Kevin also guides you on how to" [YouTube Link](https://youtube.com/watch?v=Ve-foUnyQp8) 2026-01-03T22:00Z 193K followers, 36.1K engagements "What month should I retire ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry" [YouTube Link](https://youtube.com/watch?v=Br28Y0QGF2M) 2026-01-02T23:47Z 193K followers, [----] engagements "When should I retire Healthcare considerations. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand" [YouTube Link](https://youtube.com/watch?v=kQC0nYg-YtI) 2025-12-26T18:51Z 193K followers, [----] engagements "3 Mistakes That Wipe Out Million-Dollar Nest Eggs ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses three crucial questions that can reveal hidden risks in even the most seemingly solid retirement plans. By addressing these issues retirees can significantly improve their financial security and avoid common pitfalls that lead to financial failure. 00:00 Introduction: Why Rich Retirees Go Broke 01:33 Question [--] 03:50 Question [--] 07:54 Question [--] 12:38" [YouTube Link](https://youtube.com/watch?v=eSgXw9OZX3c) 2025-12-20T21:00Z 193K followers, 194.4K engagements "The Month You Retire Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an" [YouTube Link](https://youtube.com/watch?v=jAdEHICwgJ8) 2025-12-18T19:29Z 193K followers, 19K engagements "The Month You Retire Really Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin explores whether the month you retire impacts your retirement experience and financial outcomes. Kevin delves into three critical areas: health and wellbeing tax efficiency and general financial considerations. Using real-life anecdotes and detailed examples he explains how factors like weather medical insurance tax planning and employer benefits can influence your ideal retirement" [YouTube Link](https://youtube.com/watch?v=4IUBd6g9gNo) 2025-12-13T22:00Z 193K followers, 39.6K engagements "7 Signs You're Done Working (Even If You Haven't Admitted It Yet) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin highlights the subtle signals that may indicate it's time to retire inspired by an insightful article from the Wall Street Journal. Kevin discusses the epiphanies and signs such as feeling numb at work reluctance to learn new tools disinterest in promotions experiencing 'Sunday Scaries' obsessively checking your 401k a desire to volunteer and physical aches and pains. He emphasizes the importance of having clarity and purpose" [YouTube Link](https://youtube.com/watch?v=8i6h4LbzCpg) 2025-12-06T22:00Z 193K followers, 70.5K engagements "7 Tax Moves You Must Make Before December [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin shares seven essential tax planning strategies to help you reduce your tax liability in [----] and set yourself up for a stronger financial future. Kevin emphasizes the importance of holistic tax planning and developing a 'base case' by assessing your current tax situation. He covers various tax-saving tactics including maximizing retirement contributions tax loss harvesting tax gain harvesting and the benefits of donor-advised funds. Kevin also" [YouTube Link](https://youtube.com/watch?v=CP9Iy2dzrIw) 2025-11-22T21:44Z 193K followers, 86.9K engagements "7 Things Retirees Are Told to Buy (That You DON'T Need) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses seven common financial products and services often recommended to retirees that may actually be unnecessary. Kevin also highlights the importance of having a clear retirement plan to avoid these financial missteps and offers free access to planning software and consultations. 00:00Introduction: The Unexpected Advice 00:50Item [--] 02:37Item [--] 05:00Item 3" [YouTube Link](https://youtube.com/watch?v=axIgg9Yvrhw) 2025-11-15T22:00Z 193K followers, 97K engagements "7 Habits Of the Quietly Wealthy Retiree ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the common traits of successful retirees and introduces the concept of 'Quiet Wealth.' He shares insights from his many conversations with retirees who demonstrate a unique approach to wealth and retirement. Key topics include the importance of homeownership lifelong learning having steady careers investing simply and maintaining patience and consistency. Kevin also emphasizes the value of happiness security over status and spending money" [YouTube Link](https://youtube.com/watch?v=Zn_jCuOIQ3Q) 2025-11-08T22:00Z 193K followers, 219.9K engagements "Eight Things To STOP DOING After [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Kevin shares essential advice on transitioning into retirement. He emphasizes the importance of valuing experiences over material possessions and changing one's perspective on money from a scoreboard to a tool. Lum highlights the benefits of prioritizing health investing in experiences and embracing authenticity. He also warns against constantly worrying about money and attempting to time the market. The video focuses on purposeful deaccumulation and creating a balanced" [YouTube Link](https://youtube.com/watch?v=4LSX-zitbD0) 2025-11-01T21:00Z 193K followers, 56.8K engagements "ROTH IRA TRAP Why Your Instincts Are Wrong (Think Like This Instead) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Access to Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin navigates the debate on Roth conversions for retirees. Prompted by a recent controversy Kevin discusses the potential benefits and pitfalls of Roth conversions addressing concerns such as tax rate increases widow taxes and RMDs. He explains the importance of probabilistic thinking in retirement planning and uses a detailed example to show" [YouTube Link](https://youtube.com/watch?v=vCAlCccItNg) 2025-10-25T21:01Z 193K followers, 91.5K engagements "Social Security: Stop Waiting Until [--] The Math Nobody Shows You ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Derek's Article: https://www.kitces.com/blog/discount-rate-delaying-social-security-benefits-retirement-planning/ In this video Kevin delves into a heated debate in the retirement planning community over the best time to claim Social Security. He discusses Derek Tharp's new controversial article that questions conventional wisdom suggesting to delay Social Security until age [--]. Kevin explores Tharp's critique of existing assumptions such as the" [YouTube Link](https://youtube.com/watch?v=7NkIQsw8P9M) 2025-10-04T21:00Z 193K followers, 267.5K engagements "Forced Into Roth: New 401(k) Rule Hits Age 50+ ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Software Access ✅ https://foundryfinancial.typeform.com/rightcapital Starting next year high earners making over $145000 annually will lose a key tax break due to new IRS rules from the Secure Act [---]. Kevin details the changes impacts and preparations needed. High earners aged [--] and above will now have to direct catch-up contributions into a Roth 401k instead of traditional 401k removing upfront tax deductions but allowing for tax-free withdrawals later. This" [YouTube Link](https://youtube.com/watch?v=PHBHxx5TQdE) 2025-09-27T21:30Z 193K followers, 116.3K engagements "5M Retirees Dont Lie: Real Data on Retirement Spending ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download the Study ✅ https://foundryfinancial.net/jp-morgan-spending-study In this episode Kevin delves into the findings from two extensive JP Morgan studies on retirement spending. Covering over [--] million households these studies reveal critical insights about retirement spending patterns including the retirement spending surge spending volatility and the spending curve or 'spending smile.' Learn why spending typically peaks in your late forties to early" [YouTube Link](https://youtube.com/watch?v=s1BgFvkFeyw) 2025-09-20T21:30Z 193K followers, 545.4K engagements "Boomer Candy: Safe Retirement or Wall Streets Latest Trick ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum dives into the growing popularity of buffered ETFs also known as defined outcome investments. These products promise 80-100% downside protection with upside potential making them sound like a savvy investment choice. Kevin dissects the mechanics behind buffered ETFs including their composition of treasury bills and S&P [---] option call spreads. He examines their performance fees and potential downsides compared to traditional S&P" [YouTube Link](https://youtube.com/watch?v=Vdm_MjIW5z0) 2025-09-13T21:30Z 193K followers, 46.5K engagements "How Trump's New Executive Order Will Reshape Your Retirement Options ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses President Trump's recent executive order and its implications for your retirement accounts. Understand the changes to 401k plans especially the inclusion of alternative assets like private credit private equity and cryptocurrencies. Learn about potential benefits pitfalls and what to expect in the coming years. Kevin also delves into the broader market trends and how to wisely incorporate these new options into" [YouTube Link](https://youtube.com/watch?v=8KgeUExZg_o) 2025-09-06T21:30Z 193K followers, 188.7K engagements "I'm [--] with 80% (401k IRA etc.). How Do I Minimize Taxes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment FREE Planning Software Access: https://foundryfinancial.typeform.com/rightcapital 00:00 Introduction 00:09 The Story of a Potential Client 01:05 Understanding Tax-Deferred Accounts 03:27 Case Study: Phil and Claire's Retirement Plan 05:37 The Problem with Required Minimum Distributions (RMDs) 08:51 Strategies to Mitigate Tax Burden 11:51 Conclusion and Next Steps *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook" [YouTube Link](https://youtube.com/watch?v=_aZM5xRN7ag) 2025-08-30T21:45Z 193K followers, 315.2K engagements "The Shockingly SIMPLE Retirement Plan FREE Calculator ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 💻 Retirement Calculator: https://www.foundryfinancial.org/can-i-afford-to-retire Kevin explains the steps to determine what you want to do with your money in retirement how much it will cost you to live and how to stack up your guaranteed income. Kevin introduces a retirement calculator showing how to input your age retirement goals and financial information. By the end of this video you'll have a clear starting point to understand your retirement outlook and" [YouTube Link](https://youtube.com/watch?v=pzkny-P2Rww) 2025-08-23T21:45Z 193K followers, 63.3K engagements "Should I delay my Social Security Use This 5-Step Test ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Access to Planning Software: https://foundryfinancial.typeform.com/rightcapital When should I claim my Social Security benefits In this episode Kevin provides a straightforward five-point decision framework to help you determine the best time to claim Social Security benefits. He details how longevity income gap family dynamics taxes and security (acronym LIFTS) play crucial roles in this decision. Kevin also offers insights into the benefits of delaying" [YouTube Link](https://youtube.com/watch?v=ZxsRWyDBmAY) 2025-08-09T22:32Z 193K followers, 127.8K engagements "Did you save too much *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified salespeople working on commission pushing products that were not in my mothers best interest. Or advisors with minimums that shut-out all but the ultra wealthy. Disappointed with the options I took matters into my own hands and launched" [YouTube Link](https://youtube.com/watch?v=nmnA6Rgfs1k) 2025-08-05T17:00Z 193K followers, [----] engagements "Why Retirees With $1M Actually End Up With $5M ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why many retirees end up with more money than they started with due to being overly conservative with their spending. He introduces the concept of the 'consumption gap' and shares surprising data from studies including findings by Michael Kitces. Kevin stresses the importance of giving yourself permission to spend and creating a dynamic evidence-based income strategy to maximize spending confidence in retirement. Practical steps for" [YouTube Link](https://youtube.com/watch?v=zFVTN65OHqw) 2025-08-02T21:30Z 193K followers, 819.6K engagements "Roth Conversions Just Got UGLY (Tricky) Under the Beautiful Bill ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download the Slides: https://foundryfinancial.net/obbba-tax-implications In this episode Kevin Lum and special guest Noah Hankin CPA discuss the massive tax implications of the recently passed 'One Big Beautiful Bill Act' on Roth conversions and retirement planning. The video provides an in-depth analysis of new tax bracket changes enhanced senior deductions SALT cap increases and other tax provisions that could significantly impact your retirement" [YouTube Link](https://youtube.com/watch?v=XhTV5vxk5PQ) 2025-07-26T21:00Z 193K followers, 196.4K engagements "Double Your 401K Before AI Takes Your Job (5-Year Plan) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses why you might need to double your retirement savings over the next five years due to rapid advancements in AI and its impact on the job market. Lum shares strategies to potentially double your retirement savings such as maximizing employer contributions reducing expenses automating savings diversifying account types and being strategic with your investment risks. He also touches on the potential economic impacts of AI and the" [YouTube Link](https://youtube.com/watch?v=_zXxQSpnsyo) 2025-07-19T21:43Z 193K followers, 64.1K engagements "One Cost to Cut in Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the one cost that most people overlook in their retirement planning. While conventional advice often suggests cutting out lattes or downsizing homes Kevin highlights how uncertainty can cause over-saving stress and missed opportunities. Kevin introduces a five-part framework called the Foundry Framework to manage and reduce uncertainty allowing you to enjoy a worry-free retirement. The framework includes giving your money a purpose establishing a clear" [YouTube Link](https://youtube.com/watch?v=ZqfS5LxpoqA) 2025-07-12T16:01Z 193K followers, 39.6K engagements "Trump Signs Tax Bill: 88% Pay $0 on Social Security ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions" [YouTube Link](https://youtube.com/watch?v=UTgH6dihlOM) 2025-07-05T23:18Z 193K followers, 121K engagements "The Hidden Financial Risk Most Families Dont See Coming ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Estate Planning Resources: https://foundryfinancial.net/estate-planning-tools Trust and Will: https://trustandwill.com/get-started In this episode Kevin addresses the critical yet often overlooked area of retirement planning: estate planning. Highlighting the fact that a large percentage of Americans lack a will Kevin provides six essential tips to help you ensure your family's future security. He covers creating a will considering a trust setting up" [YouTube Link](https://youtube.com/watch?v=IMp4t6UPDB4) 2025-06-28T22:00Z 193K followers, 20.2K engagements "4 Things To Know If You're Retiring With A Pension ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download Historic Tax Rates Chart: https://foundryfinancial.net/historic-us-tax-rates In this episode Kevin discusses vital considerations for those with a pension. With less than 20% of American workers having access to traditional pensions the typical retirement advice may not apply to them. Kevin outlines four crucial strategies for pension holders to effectively plan their retirement including understanding inflation risks unique tax planning survivor benefit" [YouTube Link](https://youtube.com/watch?v=aA6UbjONyuw) 2025-06-22T12:00Z 193K followers, 203.6K engagements "STOP: [--] Beginner Retirement Mistakes Everyone Makes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses the most common mistakes people make when planning their retirement. Kevin walks through five major beginner errors stressing the importance of having a clear retirement plan before diving into specific investment tools and tactics. He underscores that strategies like tax planning and investment decisions should be tailored to individual needs and goals and emphasizes the pitfalls of overconsumption of retirement-related content" [YouTube Link](https://youtube.com/watch?v=n-jB-cIAS1c) 2025-06-14T22:00Z 193K followers, 133.8K engagements "If I Wanted to Retire Well This is What I'd Do in [----] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Boldin*: https://go.boldin.com/foundryfinancial *Monarch Money*: https://www.monarchmoney.com/referral/kii6sn8eym In today's episode Kevin outlines five critical strategies to supercharge your retirement plan. Don't miss out on these essential tips to secure your financial future and retire without worry. Also learn about the benefits of tools like Monarch Money and Bolden for detailed retirement planning. Start today and ensure your best retirement outcome" [YouTube Link](https://youtube.com/watch?v=9nFVHjNQ1gA) 2025-06-07T22:00Z 193K followers, 127K engagements "Retirees Spend 80% of Their Income in These [--] Areas How do you compare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin delves into the main areas where retirees spend money sharing national data on average expenditures. He offers practical tips to significantly reduce costs in entertainment food healthcare transportation and housing without diminishing your lifestyle. Learn how to make the most of discounts optimize Medicare plans leverage libraries and explore potentially cost-effective strategies like Airbnb and buying in bulk. This" [YouTube Link](https://youtube.com/watch?v=_fX4ubp0buw) 2025-05-31T22:00Z 193K followers, 22.3K engagements "Sell These [--] Things BEFORE Retiring ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Join Kevin Lum as he discusses the five essential things to sell before you retire to simplify your life and improve your financial standing. Using a personal anecdote Kevin illustrates the importance of letting go of unnecessary items. 00:00 Introduction 00:29 The Importance of Letting Go 02:34 Sell #1 04:12 Sell #2 05:37 Sell #3 07:39 Sell #4 09:06 Sell #5 10:24 Conclusion *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* //" [YouTube Link](https://youtube.com/watch?v=2OkqsP96EBw) 2025-05-17T22:00Z 193K followers, 1.3M engagements "Should You Pay Off Your Mortgage or Invest The Money Instead *Free Retirement Strategy Session * // https://foundryfinancial.org/get-started FREE Spreadsheet: https://foundryfinancial.net/mortgage-calculator Today we're tackling the age-old dilemma: paying off your mortgage early versus investing. Using a complex customizable spreadsheet Right Capital and Income Labs they provide detailed insights and calculations to help you make the best financial decision. Download the same spreadsheet used in the video and explore various scenarios yourself. Understand the pros and cons of each approach" [YouTube Link](https://youtube.com/watch?v=bhi3-n6bzLg) 2025-05-10T22:00Z 193K followers, 14K engagements "RETIREMENT: One Question Makes All the Difference Monarch Link: https://bit.ly/44cFPXp 00:00 Introduction 00:28 The Real Question: What Kind of Retirement Do You Want 00:59 The Unexamined Financial Life 02:35 Habit [--] 04:30 Habit [--] 07:30 Habit [--] 10:50 Habit [--] 12:51 Conclusion *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about" [YouTube Link](https://youtube.com/watch?v=PceIAt-1umQ) 2025-04-26T22:00Z 193K followers, 17K engagements "Buy These [--] Things BEFORE You RETIRE ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares his insights on key purchases people should consider making before retiring. Based on his experience preparing hundreds of retirement plans Kevin discusses why pre-retirement spending can be both practically and psychologically smart. He highlights five critical areas: health and dental work home purchases major home repairs buying a reliable car and prepaying for bucket list experiences. Kevin also delves into the psychological struggles of" [YouTube Link](https://youtube.com/watch?v=IcXBswOvyzE) 2025-04-12T22:00Z 193K followers, 1.1M engagements "Why Smart Investors Lose Money (The Emotion Trap) *Free Retirement Assessment* // https://foundryfinancial.org/get-started *Private Facebook Group* // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- *ABOUT ME* Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I" [YouTube Link](https://youtube.com/watch?v=VvtHGcJfyd0) 2025-04-10T22:12Z 193K followers, [----] engagements "ONE Number CHANGES Everything EVERYONE Gets It Wrong ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Here's the link I mentioned: http://www.longevityillustrator.org/ Kevin addresses a critical number in retirement planning that is often miscalculated: life expectancy. In this video Kevin explains the importance and impact of accurately estimating life expectancy on retirement strategies such as Roth conversions and Social Security claims. He provides insights and examples to highlight how life expectancy affects financial planning and offers practical advice" [YouTube Link](https://youtube.com/watch?v=dwasGSTx_Fs) 2025-04-05T22:03Z 193K followers, 41.9K engagements "Market Crash - What You NEED To Know ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Feeling panicked about the current market turmoil In this video Kevin Lum addresses the pressing issues surrounding the latest tariffs and their impact on the markets. He discusses the complexities of global trade tensions the potential for stagflation and the uncertainty plaguing investments. Kevin offers practical advice on how to stay diversified avoid emotional decisions and create a robust strategy to weather the storm. If you're concerned about your financial future this" [YouTube Link](https://youtube.com/watch?v=lTniJD7lRDk) 2025-04-04T00:08Z 193K followers, 46.3K engagements "RETIREE Wealth JUMPS by 33% How do you compare ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Heres the data I referenced: https://www.federalreserve.gov/econres/scf/dataviz/scf/chart/ In this episode Kevin dives into the surprising realities of retirement wealth revealing how many retirees are technically millionaires when factoring in investments home equity and social security. Using recent Federal Reserve data he shows how median net worth for retirees has significantly risen emphasizing why knowing your own financial situation matters more than" [YouTube Link](https://youtube.com/watch?v=QyluQUGBYi8) 2025-03-29T22:00Z 193K followers, 31.9K engagements "Avoid this BIG ROTH Mistake - Roth IRA [--] Year Rule Explained ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin dives deep into the complexities of the Roth IRA five-year rulea frequently misunderstood tax law essential for Roth conversions. Kevin begins by explaining the Roth IRA ordering rules emphasizing the sequence in which contributions conversions and earnings can be withdrawn. He then details the two distinct five-year rules: one pertaining to conversions made under the age of [----] and another regarding the tax-free withdrawal of" [YouTube Link](https://youtube.com/watch?v=1N45l1gG9oA) 2025-03-22T22:00Z 193K followers, 98.1K engagements "Worried About a Market Crash Do THIS Before Its Too Late ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin responds to a client's urgent inquiry about preparing for a potential 'Trump crash' amidst recent market volatility. Kevin discusses the importance of long-term investing the impact of political and economic uncertainty and provides a three-step framework for securing your financial future. He emphasizes the value of diversifying investments and maintaining a balanced portfolio and concludes with practical advice on managing short-term" [YouTube Link](https://youtube.com/watch?v=RG_c4Jughwg) 2025-03-15T22:00Z 193K followers, 125.6K engagements "What Order Should You Invest Your Money A CFP Explains ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the optimal order for investing your money to maximize tax savings and build wealth. Kevin covers foundational steps like establishing an emergency savings fund taking advantage of 401k company matches and paying off high-interest debt. He then delves into more advanced strategies such as maxing out 401k contributions utilizing Health Savings Accounts (HSAs) Roth IRAs and taxable brokerage accounts. Additionally Kevin" [YouTube Link](https://youtube.com/watch?v=Kmrh1X_Kfc0) 2025-03-09T00:28Z 193K followers, 26.3K engagements "87% Of People Get These [--] Retirement Topics WRONG Test Yourself ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's episode Kevin addresses three crucial financial topics often misunderstood by both individuals and financial advisors. Kevin clarifies misconceptions about the gift tax explaining its implications limits and the role of IRS form [---]. He also demystifies the two different five-year rules associated with Roth IRAs detailing their applications for contributions and conversions. Lastly Kevin explains the social security earnings limit how" [YouTube Link](https://youtube.com/watch?v=tcUz6iptkyg) 2025-03-02T02:00Z 193K followers, 35.8K engagements "Retirement Lies Real Case Study Proves You Need WAY Less Than $1M to Retire ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin challenges the idea of needing a million or more dollars to retire comfortably. He explains that retirement planning is more about cashflow and expenses rather than a magic number. Through a detailed scenario with Elaine Bennis a retired publishing professional with a modest savings portfolio Kevin illustrates how focusing on guaranteed income sources managing expenses and considering potential risks can provide a more" [YouTube Link](https://youtube.com/watch?v=27GWX4kbJZg) 2025-02-23T22:00Z 193K followers, 60.9K engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@foundryfinancial Kevin Lum, CFP®
Kevin Lum, CFP® posts on YouTube about retirement, kevin, retire, social security the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.
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Social Influence
Social category influence finance stocks celebrities
Social topic influence retirement #126, kevin #1089, retire #278, social security #84, investment, money, social, $1m #99, donald trump, math
Top accounts mentioned or mentioned by @voiceofreason
Top assets mentioned Charles Schwab Corporation (SCHW) Dave Inc. (DAVE)
Top Social Posts
Top posts by engagements in the last [--] hours
"7 Tax Moves You Must Make Before December [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin shares seven essential tax planning strategies to help you reduce your tax liability in [----] and set yourself up for a stronger financial future. Kevin emphasizes the importance of holistic tax planning and developing a 'base case' by assessing your current tax situation. He covers various tax-saving tactics including maximizing retirement contributions tax loss harvesting tax gain harvesting and the benefits of donor-advised funds. Kevin also"
YouTube Link 2025-11-22T21:44Z 193K followers, 86.9K engagements
"Your Financial Advisor Could Be Quietly Sabotaging Your Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Kevin explains why some financial advisors may not tell the full story and shares five signals it may be time to leave: (1) they lead with selling products instead of building a comprehensive plan (2) they arent a fiduciary and their compensation is unclear or commission-based (3) they avoid tax planning or"
YouTube Link 2026-02-14T23:13Z 193K followers, [---] engagements
"How Long Until Your Roth Conversion Pays Off You might be surprised. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin explains how to calculate the break-even point using RightCapital emphasizing the impact on long-term tax savings asset growth and tax-adjusted ending assets. Learn why a simple break-even point isn't the only factor and understand the importance of variables such as life expectancy todays and future tax rates and the widows penalty. Ideal for those planning their retirement and looking to minimize their long-term tax burden with"
YouTube Link 2024-10-19T22:00Z 193K followers, 422.2K engagements
"Average Retirement Savings by Age [--]. Are You Ready to Retire Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of"
YouTube Link 2023-11-04T13:00Z 193K followers, 1.6M engagements
"10 Unsexy Habits That Lead to a Great Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Retirement Checklist ✅ https://foundryfinancial.net/what-issues-should-i-consider-before-i-retire In this video Kevin shares the top [--] habits that make retirees successful and worry-free. Kevin discusses three key habits for building wealth: living below your means automating savings and staying invested through market fluctuations. He then covers seven essential habits for protecting and enjoying that wealth: knowing your spending treating cash as a tool planning"
YouTube Link 2026-01-24T22:00Z 193K followers, 233.8K engagements
"Why Fully Funded Retirements Are Falling Apart ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment WSJ Article: https://www.wsj.com/health/wellness/the-retirement-crisis-no-one-warns-you-about-mattering In this episode Kevin discusses a new type of retirement crisis where despite having sufficient funds and a well-laid financial plan retirees find themselves feeling worthless and undervalued. He explores the concept of 'mattering span'how long you continue to feel needed and your life makes a differenceand its crucial role in retirement satisfaction. Kevin shares"
YouTube Link 2026-02-07T22:00Z 193K followers, 71.5K engagements
"These [--] Types of Retirees are Richer Than They Think ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Many believe you need millions to retire comfortably but in this video Kevin explains why many retirees are actually better off than they think. Breaking down five key traits of successful retireesmodest spending being debt-free having guaranteed income having solid healthcare and budget flexibilityKevin shows how these"
YouTube Link 2026-01-31T22:00Z 193K followers, 112.6K engagements
"48% of Retirees Will Require This Care: Is the INSURANCE worth it Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we discuss the critical question: Is long term care insurance a waste of money Kevin discusses the variable costs of long term care across different regions and explains different insurance options including traditional policies hybrid life insurance and annuities. Kevin provides a framework to help you determine if long term care insurance is ideal for you explores alternatives like HSAs and home equity and showcases a tool to"
YouTube Link 2024-08-17T22:00Z 193K followers, 40.5K engagements
"Avoid this BIG ROTH Mistake - Roth IRA [--] Year Rule Explained ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin dives deep into the complexities of the Roth IRA five-year rulea frequently misunderstood tax law essential for Roth conversions. Kevin begins by explaining the Roth IRA ordering rules emphasizing the sequence in which contributions conversions and earnings can be withdrawn. He then details the two distinct five-year rules: one pertaining to conversions made under the age of [----] and another regarding the tax-free withdrawal of"
YouTube Link 2025-03-22T22:00Z 193K followers, 98.1K engagements
"Retirement Lies Real Case Study Proves You Need WAY Less Than $1M to Retire ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin challenges the idea of needing a million or more dollars to retire comfortably. He explains that retirement planning is more about cashflow and expenses rather than a magic number. Through a detailed scenario with Elaine Bennis a retired publishing professional with a modest savings portfolio Kevin illustrates how focusing on guaranteed income sources managing expenses and considering potential risks can provide a more"
YouTube Link 2025-02-23T22:00Z 193K followers, 60.9K engagements
"Sell These [--] Things BEFORE Retiring ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Join Kevin Lum as he discusses the five essential things to sell before you retire to simplify your life and improve your financial standing. Using a personal anecdote Kevin illustrates the importance of letting go of unnecessary items. 00:00 Introduction 00:29 The Importance of Letting Go 02:34 Sell #1 04:12 Sell #2 05:37 Sell #3 07:39 Sell #4 09:06 Sell #5 10:24 Conclusion Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group //"
YouTube Link 2025-05-17T22:00Z 193K followers, 1.3M engagements
"Eight Things To STOP DOING After [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Kevin shares essential advice on transitioning into retirement. He emphasizes the importance of valuing experiences over material possessions and changing one's perspective on money from a scoreboard to a tool. Lum highlights the benefits of prioritizing health investing in experiences and embracing authenticity. He also warns against constantly worrying about money and attempting to time the market. The video focuses on purposeful deaccumulation and creating a balanced"
YouTube Link 2025-11-01T21:00Z 193K followers, 56.8K engagements
"7 Signs You're Done Working (Even If You Haven't Admitted It Yet) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin highlights the subtle signals that may indicate it's time to retire inspired by an insightful article from the Wall Street Journal. Kevin discusses the epiphanies and signs such as feeling numb at work reluctance to learn new tools disinterest in promotions experiencing 'Sunday Scaries' obsessively checking your 401k a desire to volunteer and physical aches and pains. He emphasizes the importance of having clarity and purpose"
YouTube Link 2025-12-06T22:00Z 193K followers, 70.5K engagements
"If I Wanted to Retire Well This is What I'd Do in [----] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Boldin: https://go.boldin.com/foundryfinancial Monarch Money: https://www.monarchmoney.com/referral/kii6sn8eym In today's episode Kevin outlines five critical strategies to supercharge your retirement plan. Don't miss out on these essential tips to secure your financial future and retire without worry. Also learn about the benefits of tools like Monarch Money and Bolden for detailed retirement planning. Start today and ensure your best retirement outcome"
YouTube Link 2025-06-07T22:00Z 193K followers, 127K engagements
"A Comprehensive Guide to RMDs for [----] Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we're going to give you a comprehensive guide to Required Minimum Distributions (RMDs) including: [--]. What are required minimum distributions [--]. How do I calculate my required minimum distribution [--]. How are my RMDs taxed [--]. What happens if you don't take the RMD [--]. Am I required to take an RMD on a Roth IRA or Roth [---] [--]. How do the rules differ for inherited IRAs [--]. How do I reduce taxes on my qualified accounts and how do I reduce my RMDs 00:00 - Intro 01:07"
YouTube Link 2024-02-03T23:00Z 193K followers, 169.2K engagements
"Forced Into Roth: New 401(k) Rule Hits Age 50+ ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Software Access ✅ https://foundryfinancial.typeform.com/rightcapital Starting next year high earners making over $145000 annually will lose a key tax break due to new IRS rules from the Secure Act [---]. Kevin details the changes impacts and preparations needed. High earners aged [--] and above will now have to direct catch-up contributions into a Roth 401k instead of traditional 401k removing upfront tax deductions but allowing for tax-free withdrawals later. This"
YouTube Link 2025-09-27T21:30Z 193K followers, 116.3K engagements
"Roth Conversions Just Got UGLY (Tricky) Under the Beautiful Bill ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download the Slides: https://foundryfinancial.net/obbba-tax-implications In this episode Kevin Lum and special guest Noah Hankin CPA discuss the massive tax implications of the recently passed 'One Big Beautiful Bill Act' on Roth conversions and retirement planning. The video provides an in-depth analysis of new tax bracket changes enhanced senior deductions SALT cap increases and other tax provisions that could significantly impact your retirement"
YouTube Link 2025-07-26T21:00Z 193K followers, 196.4K engagements
"Should I delay my Social Security Use This 5-Step Test ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Access to Planning Software: https://foundryfinancial.typeform.com/rightcapital When should I claim my Social Security benefits In this episode Kevin provides a straightforward five-point decision framework to help you determine the best time to claim Social Security benefits. He details how longevity income gap family dynamics taxes and security (acronym LIFTS) play crucial roles in this decision. Kevin also offers insights into the benefits of delaying"
YouTube Link 2025-08-09T22:32Z 193K followers, 127.8K engagements
"7 Things Retirees Are Told to Buy (That You DON'T Need) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses seven common financial products and services often recommended to retirees that may actually be unnecessary. Kevin also highlights the importance of having a clear retirement plan to avoid these financial missteps and offers free access to planning software and consultations. 00:00Introduction: The Unexpected Advice 00:50Item [--] 02:37Item [--] 05:00Item 3"
YouTube Link 2025-11-15T22:00Z 193K followers, 97K engagements
"Average Retirement Income by Age [--]. Are you on track Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ The mismatch between retirement savings and spending has led some to declare a retirement crisis. Retirees get their income from a number of sources. For some it's a combination of pension payments retirement plan withdrawals investments Social Security and ongoing work. In today's video we're going to explore three questions: [--]. What are the average expenses in retirement [--]. What is the average income in retirement (both the mean and the median) [--]. Should"
YouTube Link 2024-04-13T22:00Z 193K followers, 382.8K engagements
"ONE Number CHANGES Everything EVERYONE Gets It Wrong ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Here's the link I mentioned: http://www.longevityillustrator.org/ Kevin addresses a critical number in retirement planning that is often miscalculated: life expectancy. In this video Kevin explains the importance and impact of accurately estimating life expectancy on retirement strategies such as Roth conversions and Social Security claims. He provides insights and examples to highlight how life expectancy affects financial planning and offers practical advice"
YouTube Link 2025-04-05T22:03Z 193K followers, 41.9K engagements
"3 Mistakes That Wipe Out Million-Dollar Nest Eggs ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses three crucial questions that can reveal hidden risks in even the most seemingly solid retirement plans. By addressing these issues retirees can significantly improve their financial security and avoid common pitfalls that lead to financial failure. 00:00 Introduction: Why Rich Retirees Go Broke 01:33 Question [--] 03:50 Question [--] 07:54 Question [--] 12:38"
YouTube Link 2025-12-20T21:00Z 193K followers, 194.4K engagements
"6 Reasons NOT to Convert to a Roth Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ In past videos I've talked about the power of Roth conversions but in today's video I'm going to cover the [--] reasons why converting your Roth might not be the best strategy for you In this video we explore scenarios where Roth conversions could actually lead to having less money in retirement with a Roth conversion. Don't miss out on these crucial insights to optimize your tax minimization strategies. RIGHTCAPITAL LINK: https://foundryfinancial.typeform.com/rightcapital"
YouTube Link 2024-04-06T22:00Z 193K followers, 870.5K engagements
"STOP: [--] Beginner Retirement Mistakes Everyone Makes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses the most common mistakes people make when planning their retirement. Kevin walks through five major beginner errors stressing the importance of having a clear retirement plan before diving into specific investment tools and tactics. He underscores that strategies like tax planning and investment decisions should be tailored to individual needs and goals and emphasizes the pitfalls of overconsumption of retirement-related content"
YouTube Link 2025-06-14T22:00Z 193K followers, 133.8K engagements
"5M Retirees Dont Lie: Real Data on Retirement Spending ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download the Study ✅ https://foundryfinancial.net/jp-morgan-spending-study In this episode Kevin delves into the findings from two extensive JP Morgan studies on retirement spending. Covering over [--] million households these studies reveal critical insights about retirement spending patterns including the retirement spending surge spending volatility and the spending curve or 'spending smile.' Learn why spending typically peaks in your late forties to early"
YouTube Link 2025-09-20T21:30Z 193K followers, 545.4K engagements
"ROTH IRA TRAP Why Your Instincts Are Wrong (Think Like This Instead) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Access to Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin navigates the debate on Roth conversions for retirees. Prompted by a recent controversy Kevin discusses the potential benefits and pitfalls of Roth conversions addressing concerns such as tax rate increases widow taxes and RMDs. He explains the importance of probabilistic thinking in retirement planning and uses a detailed example to show"
YouTube Link 2025-10-25T21:01Z 193K followers, 91.5K engagements
"The ROTH Conversion TRAP That Destroyed $1M in Tax-Free Wealth ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses the critical factors that can make or break the success of Roth conversions and highlights a common mistake that could cost individuals significantly over their lifetime. The video covers the basics of Roth conversions the importance of tax brackets and factors such as investment selection and timing. Using a real-life scenario Lum walks through how proper tax planning and strategic Roth conversions can lead to substantial"
YouTube Link 2025-02-09T02:00Z 193K followers, 1.2M engagements
"Once I Learned THIS Market Crashes Stopped Scaring Me Here's a link to a blog post with some of the charts and sources I reference: https://www.foundryfinancial.org/blog/dont-fear-the-coming-market-crash In this episodeKevin explains why another market crash is almost guaranteed and why you shouldn't worry about it. He breaks down historical data on market returns intra-year drawdowns and the emotional errors that cause investors to lose money. Kevin also dives into the story of past market crashes and what they can teach us about future investing. 00:00 Introduction 01:24 Historical Market"
YouTube Link 2025-01-04T23:00Z 93.5K followers, 64.9K engagements
"Wow. Incredible advice from Warren Buffett"
YouTube Link 2024-05-06T15:23Z 28.1K followers, [--] engagements
"Breaking News: Social Security COLA Estimate Raised for [----] The August CPI numbers were just released and they came in higher than expected which had a big impact on the cost of living estimates for [----]. In this video I break down how the COLA adjustment is calculated and tell you what the cost of living increase is estimated to be for [----] according to the Senior Citizen League. Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2023-09-16T16:00Z [--] followers, 42.7K engagements
"Discover [--] SIMPLE Habits for a Happy RETIREMENT Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll discuss the surprisingly simple habits that can increase your happiness and life satisfaction during retirement. In this video we'll share eight simple habits that we discover from Dan Buettner and his [--] years of research on the world's happiest places and blue zones where people live the longest. Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2023-12-16T14:00Z 95.7K followers, [----] engagements
"Technology is Separating Advisors. It Could IMPACT You. ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why he stands out compared to traditional financial advisors by leveraging advanced technology to optimize retirement and tax planning. He covers an upcoming conference Future Proof which focuses on tech innovations in financial advisory services. Kevin walks through various tools like Right Capital Holistiplan Income Laboratory Riskalyze and Wealth.com showing how these technologies enhance client service. Finally he"
YouTube Link 2024-08-31T22:00Z 51.7K followers, [----] engagements
"10 Unexpected RETIREMENT Facts No One Tells You Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ As a retirement professional I've devoted countless hours to retirement planning and engaging with retirees. Through these conversations I've uncovered several unexpected challenges that many wish they had known about before retiring. In today's episode I'll reveal the top ten retirement surprises and offer practical advice on how you can effectively prepare for them. Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2024-04-20T22:00Z 118K followers, 167.5K engagements
"If youre in your 50s or 60s [--] CRITICAL financial moves. In this episode we discuss the top five financial moves you should make in your 50s and 60s to optimize your retirement plan. 00:00 Introduction 00:36 First Move 03:17 Second Move 04:37 Third Move 08:01 Fourth Move 09:53 Fifth Move 12:46 Conclusion Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always"
YouTube Link 2024-11-02T22:00Z 67.4K followers, 16.1K engagements
"Trump Won. How will it impact your financial future A CFP explains. ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment Trump won. How will that impact your financial and retirement plan. In this video we explore how a Trump administration may impact taxes inflation and retirement planning specifically social security and Medicare. We outline the potential outcomes for tax cuts inflation risks and the implications for those preparing for retirement and also suggests how spiking bond yields and a booming stock market can be an opportunity to"
YouTube Link 2024-11-09T23:00Z 78.5K followers, 410.3K engagements
"7 Critical Disaster Prep Steps You Need To Do NOW Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this crucial episode Kevin provides a comprehensive guide on preparing for natural disasters like tornadoes floods fires earthquakes and hurricanes. 00:00 Introduction 01:43 Insurance 03:09 Important Documents 04:43 Inventory 05:57 Contacts 06:40 Kit 08:36 Plan 09:58 Savings 11:53 Conclusion Work With Us // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2025-01-18T22:00Z 96.2K followers, [----] engagements
"Wow Incredible advice from Warren Buffett. ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified"
YouTube Link 2024-05-06T15:51Z 67.7K followers, 21.4K engagements
"3 Simple Questions Could Change Everything ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we explore three transformative questions developed by renowned financial advisor George Kinder. These questions are designed to help you gain clarity on your financial and personal goals by imagining different scenarios involving unlimited money limited time and imminent mortality. Kevin explains how these questions can provide deep insights into what truly matters potentially altering the way you live and manage your financial planning."
YouTube Link 2024-06-08T22:00Z 78.5K followers, [----] engagements
"What is the WIDOWS penalty How to AVOID it ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment In this eye-opening episode we delve into the financial impact of the "Widow's Penalty" or "Widowers Penalty" a term that highlights the economic challenges faced by surviving spouses after the death of their partner. We'll explore how tax changes social security benefits reductions and increased health care costs can create a sudden and severe financial burden. Whether you're directly affected or interested in economic and social justice this"
YouTube Link 2024-05-05T18:05Z 78.3K followers, 31.5K engagements
"Top [--] Retirement Income Methods EXPLAINED Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum explores three different approaches to generating retirement income: the probability-based approach the safety-first approach and the bucket strategy. He also introduces the 'four L's' framework for retirement planninglongevity lifestyle liquidity and legacyand walks through case studies to illustrate the pros and cons of each method. Kevin emphasizes the importance of reliable income sources like Social Security and the considerations of risk"
YouTube Link 2024-07-20T22:00Z 110K followers, 37.3K engagements
"ALARMING Market Signal Should You PANIC Work With Us ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses concerns about the current state of the stock market particularly the S&P [---]. He explains why high valuations and concentrated investments in top-performing tech companies may pose risks especially for retirees. Kevin dives into data on historical market trends examines the CAPE ratio and price-to-book ratio and stresses the importance of portfolio diversification to mitigate these risks. He provides strategies for balancing investments in U.S. and"
YouTube Link 2025-01-25T22:46Z 97.6K followers, 43.3K engagements
"Part-Time Work in Retirement [--] Essential Things to Consider Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ Thinking about working part-time in retirement You're not alone Many retirees choose to keep working for extra income social connection or to stay mentally sharp. But a part-time job in retirement looks different than a full-time career. In this video we explore [--] essential things to consider before diving into a post-retirement job search. We'll cover how to: -Balance your desired lifestyle with work hours. -Leverage your experience and skills for a"
YouTube Link 2024-05-11T22:01Z 168K followers, 15.5K engagements
"I QUIT Traditional Retirement Planning and You Should TOO Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Today we contrasts two nearly identical retirement plansone that fails and one that succeedsby highlighting a small yet crucial difference in approach. Using real-life market data and financial planning software Kevin explains why he deviated from the traditional Monte Carlo simulation to adopt a dynamic income strategy. He demonstrates this through scenarios involving market crashes and details how guardrails can drastically reduce retirement anxiety by"
YouTube Link 2025-01-11T23:00Z 162K followers, 237.8K engagements
"4 Uncomfortable Retirement Truths You Need To Hear Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we into the intricacies of retirement planning by revealing four critical yet uncomfortable truths. From the inevitability of facing imperfect retirement plans and global financial crises to the paramount importance of prioritizing health over wealth and the challenging transition from saving to spending Kevin covers it all. Learn about the necessity of flexibility effective risk management and maintaining physical and mental well-being. Gain"
YouTube Link 2024-10-26T22:00Z 129K followers, 59.5K engagements
"What Order Should You Invest Your Money A CFP Explains ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the optimal order for investing your money to maximize tax savings and build wealth. Kevin covers foundational steps like establishing an emergency savings fund taking advantage of 401k company matches and paying off high-interest debt. He then delves into more advanced strategies such as maxing out 401k contributions utilizing Health Savings Accounts (HSAs) Roth IRAs and taxable brokerage accounts. Additionally Kevin"
YouTube Link 2025-03-09T00:28Z 193K followers, 26.3K engagements
"The [--] MOST IMPORTANT Things to Own in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses seven key purchases that can enhance your retirement experience. Beyond financial planning Kevin emphasizes the importance of investing in items and services that contribute to your health and happiness. You can watch the Huberman episode on sleep here. https://youtu.be/lIo9FcrljDksi=Tr35D-Pc3DgknvjW 00:00 Introduction 00:56 Purchase One 03:40 Purchase Two 04:53 Purchase Three 08:30 Purchase Four 09:37 Purchase Five 12:14 Purchase Six"
YouTube Link 2024-12-07T23:00Z 109K followers, 182.7K engagements
"How Much Can You Spend in Retirement A Surprising Answer Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses a common question: 'How much money can I spend in retirement' He introduces a dynamic income strategy for planning retirement spending and walks through a case study with a couple Jim and Pam who have $2 million in assets. Kevin covers their financial situation including assets social security and expenses and uses software to model out their retirement plan. He evaluates the impact of potential market downturns and various"
YouTube Link 2024-07-27T22:00Z 110K followers, 38.9K engagements
"RETIREMENT: One Question Makes All the Difference Monarch Link: https://bit.ly/44cFPXp 00:00 Introduction 00:28 The Real Question: What Kind of Retirement Do You Want 00:59 The Unexamined Financial Life 02:35 Habit [--] 04:30 Habit [--] 07:30 Habit [--] 10:50 Habit [--] 12:51 Conclusion Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about"
YouTube Link 2025-04-26T22:00Z 193K followers, 17K engagements
"Why BOND prices are FALLING Bonds [---] ✅ SCHEDULE A FREE CALL ✅ / https://foundryfinancial.org/get-started In this episode we delve into the recent 'Bond Bloodbath and explore how bonds work and the reasons behind the plummeting bond prices. Bond prices are experiencing one of the worst bear markets in over [--] years in fact [----] was the worst year for bonds in the US EVER. Ill explore why I stopped using bonds for most clients a few years ago and Im considering using bonds again. When youre done youll understand why bond prices are falling and what the future might hold for bond prices."
YouTube Link 2023-10-07T22:00Z 78.9K followers, 16K engagements
"Your Retirement Plan Is Missing a CRUCIAL Element Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum shares insights from psychologist Abraham Maslows later work on the hierarchy of needs exploring its powerful implications for retirement planning. We dive into how retirement is about more than just financial planningit's also about fulfilling deeper human needs like learning relationships and purpose. Kevin emphasizes the importance of self-actualization and transcendence where living beyond oneself and serving a greater purpose becomes"
YouTube Link 2024-10-12T22:00Z 109K followers, 62.3K engagements
"Should I retire NOW [--] Questions to Help You Decide Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll discuss five pivotal questions to consider that will help guide your decision to retire. Remember retirement isn't just about financial readiness; it's about life readiness. Our goal here isn't to talk about numbers or the financial aspect of retirement but rather to help you have the framework to decide whether the timing is right for you. We'll explore questions like: Is it worth trading your time for more financial resources How is your"
YouTube Link 2023-06-17T18:00Z 127K followers, 36.5K engagements
"RETIREE Wealth JUMPS by 33% How do you compare ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Heres the data I referenced: https://www.federalreserve.gov/econres/scf/dataviz/scf/chart/ In this episode Kevin dives into the surprising realities of retirement wealth revealing how many retirees are technically millionaires when factoring in investments home equity and social security. Using recent Federal Reserve data he shows how median net worth for retirees has significantly risen emphasizing why knowing your own financial situation matters more than"
YouTube Link 2025-03-29T22:00Z 193K followers, 31.9K engagements
"3 Social Security Mistakes EVERYONE Makes (Real World Examples) ✅ Apply For A Free Retirement Planning Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin explains the common mistakes people make when claiming Social Security benefits and provides strategies to avoid them. Lum discusses the significant financial impact of claiming benefits too early the tax implications associated with Social Security income and the importance of maximizing spousal and survivor benefits. Using practical illustrations he emphasizes how delaying benefits and careful tax"
YouTube Link 2024-09-07T22:00Z 80.1K followers, 134.1K engagements
"Worried About a Market Crash Do THIS Before Its Too Late ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin responds to a client's urgent inquiry about preparing for a potential 'Trump crash' amidst recent market volatility. Kevin discusses the importance of long-term investing the impact of political and economic uncertainty and provides a three-step framework for securing your financial future. He emphasizes the value of diversifying investments and maintaining a balanced portfolio and concludes with practical advice on managing short-term"
YouTube Link 2025-03-15T22:00Z 193K followers, 125.6K engagements
"How to Pay ZERO TAXES on Social Security [--] Simple Strategies 🧮 SOCIAL SECURITY BENEFIT TAX CALCULATOR: https://foundryfinancial.org/how-much-of-my-social-security-is-benefit-taxable ✅ SCHEDULE A FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment Are you concerned about the increasing taxation of your Social Security benefits In this video Kevin discusses the historical context of Social Security taxation explaining its evolution since [----] and its impact on retirees today. With a significant number of Social Security recipients now subject to taxation"
YouTube Link 2024-02-10T23:00Z 79K followers, 80.2K engagements
"Why Smart Investors Lose Money (The Emotion Trap) Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I"
YouTube Link 2025-04-10T22:12Z 193K followers, [----] engagements
"Retiring in [--] Years Do these [--] Things In today's episode we're talking about how to prepare for a smooth transition into retirement. Whether you're five years away from retirement or just starting to think about it these steps are crucial for ensuring you financially emotionally and physically ready for this significant life change. Retirement planning should begin right away to make sure youll be able to retire stress free. Website // https://foundryfinancial.org Facebook // https//facebook.com/retirementpodcast"
YouTube Link 2023-05-17T17:52Z 78.5K followers, 11K engagements
"Why Looking Poor Is Important for Retiring Well Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video we explore why some of the wealthiest individuals live modestly and how 'looking poor' can be beneficial especially as you plan for retirement. We discuss the concept of the 'hedonistic treadmill' and how avoiding it can lead to financial freedom reduced stress and overall happier life. Learn the three key benefits of living below your means and get inspired by historical figures like John Wesley who exemplified this principle. This episode offers"
YouTube Link 2024-08-10T22:00Z 116K followers, 520.9K engagements
"Trumps Tax Cuts Passed But at What Cost to Medicare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Budget Office Letter: https://foundryfinancial.org/cbo-medicare-letter In this episode Kevin breaks down President Trump's newly passed bill and its potential implications particularly for retirees. He discusses permanent tax bracket reductions estate and gift tax exemptions a raised SALT cap changes to HSA eligibility for working seniors and new deductions for social security and tip income. Lum also addresses the rumored $500 billion cut to Medicare linked with"
YouTube Link 2025-05-22T23:50Z 129K followers, 99K engagements
"WORRIED about RETIRING - Talk To These People First In this video Kevin gives a list of six key groups people you should talk to and questions to ask each person to help you as you prepare for your retirement. 00:00 Introduction 01:09 Person [--] 02:50 Person [--] 03:47 Person [--] 04:50 Person [--] 06:11 Person [--] 07:05 Person [--] 08:29 Bonus Person 09:45 Conclusion and Additional Resources Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2024-11-23T23:00Z 76.4K followers, [----] engagements
"Social Security Timing: Age [--] vs [--] to Maximize Retirement Income ✅ FREE RETIREMENT ASSESSMENT ✅ http://freeassessment.foundryfinancial.net In this episode we dive deep into one of the most important decisions you'll have to make as you approach retirement: When to start taking your Social Security benefits.Navigating Social Security can be overwhelming and understanding how your claiming age can dramatically affect your lifetime benefits is crucial. We'll break down the options - claiming at [--] full retirement age or delaying until [--] - and explore the advantages and disadvantages of"
YouTube Link 2023-06-10T17:58Z 79K followers, 57.8K engagements
"The [--] Biggest Risks to Your Retirement In this video we unveil the top five retirement risks that may jeopardize your financial security and provide practical solutions to conquer them. We'll explore inflation expected expenses in retirement unexpected expenses in retire sequence of return risk market underperformance and more. By addressing each of these risks head-on you can gain peace of mind and enjoy a fulfilled retirement. Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum Timestamps 0:00 Intro"
YouTube Link 2023-07-29T18:00Z 78.9K followers, [----] engagements
"Market Crash - What You NEED To Know ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Feeling panicked about the current market turmoil In this video Kevin Lum addresses the pressing issues surrounding the latest tariffs and their impact on the markets. He discusses the complexities of global trade tensions the potential for stagflation and the uncertainty plaguing investments. Kevin offers practical advice on how to stay diversified avoid emotional decisions and create a robust strategy to weather the storm. If you're concerned about your financial future this"
YouTube Link 2025-04-04T00:08Z 193K followers, 46.3K engagements
"5 Things People Regret at the End of Retirement ✅ SCHEDULE A FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment Retirement marks a pivotal chapter in our lives offering a chance to reshape our future and embark on new adventures. However it can also be a time for introspection prompting us to reflect on the path we've chosen and the life we aspire to live in this next chapter. In this episode we delve into the top [--] regrets people commonly express at the end of their retirement (and life). By understanding these regrets we can proactively make choices that"
YouTube Link 2023-12-09T14:00Z 78.9K followers, 12.8K engagements
"Did you save too much ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified salespeople working on commission pushing products that were not in my mothers best interest. Or advisors with minimums that shut-out all but the ultra wealthy. Disappointed with the options I took matters into my own hands and launched"
YouTube Link 2025-08-05T17:00Z 193K followers, [----] engagements
"Eight Things You Need to Know About a Bear Market Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment What is a bear market and how long does a bear market last Everyone is talking about the S&P [---] entering a bear market. In todays episode of Retirement Made Simple we are going to try to explore the top eight things you need to know about bear markets including answers to these questions: what is a bear market how long does a bear markets last how to invest in a bear market and how to survive a bear market. Remember I'm a financial advisor but I'm not your"
YouTube Link 2022-06-24T22:15Z 119K followers, [---] engagements
"The End of Social Security Four Myths Debunked ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment In this video we delve into a recent alarming headline from the Washington Post about the grim financial outlook for Social Security and Medicare. The report from the Social Security and Medicare Board of Trustees indicates that both programs are running out of funds at an alarming rate potentially leading to automatic benefit cuts within the next decade. However headlines often don't tell the whole story. Join me as I break down four major myths surrounding"
YouTube Link 2024-05-18T22:00Z 78.3K followers, 11.3K engagements
"The Most UNDERRATED Account to Minimize TAXES in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Important Tax Numbers 2024: https://foundryfinancial.net/important-tax-numbers-2024 In this video Kevin discusses an underutilized retirement account that can be almost as powerful as a Roth IRA from a tax perspective. He explains how taxes work highlighting the difference between ordinary income and capital gains tax structures. Using a real-life example of a couple Phil and Claire Kevin demonstrates how to use a taxable brokerage account to reduce tax"
YouTube Link 2024-09-14T22:00Z 134K followers, 92.4K engagements
"5 Simple Ways to Increase Your Social Security Benefit Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you nearing retirement and wondering how to maximize your Social Security income Maximizing Social Security benefits is key to retirement planning. In this video we'll show you five key steps to ensure you get the most out of your Social Security benefit and we'll tell you exactly how your social security benefit is calculated. From understanding the impact of your claiming age to the role of work history we'll break down everything you need to know. So"
YouTube Link 2023-07-08T17:04Z 107K followers, 18.2K engagements
"New Bill Increases Social Security Benefit for Millions - but theres a catch. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin explains the Senate's recent approval of the Social Security Fairness Act which follows the House's decision in November. The legislation will increase social security benefits by $196 billion over the next [--] years positively impacting millions of Americans. Kevin discusses who qualifies for these benefits the implications for those with non-covered pensions such as teachers and firefighters and provides a timeline"
YouTube Link 2024-12-21T23:00Z 118K followers, 761.9K engagements
"Overcome the RETIREMENT Income DEATH SPIRAL ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment Are you worried about outliving your retirement savings In this video we dive deep into the concept of the Retirement Income Death Spiral and what it means for your financial future. Learn about the common mistakes to avoid and strategies to ensure that your retirement funds last throughout your golden years. Why Watch This Video -Discover Critical Pitfalls: We explore the biggest risks that can deplete your retirement income faster than expected. -Learn"
YouTube Link 2024-04-27T19:00Z 66.9K followers, 11.4K engagements
"87% Of People Get These [--] Retirement Topics WRONG Test Yourself ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's episode Kevin addresses three crucial financial topics often misunderstood by both individuals and financial advisors. Kevin clarifies misconceptions about the gift tax explaining its implications limits and the role of IRS form [---]. He also demystifies the two different five-year rules associated with Roth IRAs detailing their applications for contributions and conversions. Lastly Kevin explains the social security earnings limit how"
YouTube Link 2025-03-02T02:00Z 193K followers, 35.8K engagements
"Retiring Overseas: [--] Factors You Can't Ignore 🚫 Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you considering retiring overseas It's a big decision and we're here to help In this video we'll discuss the five essential factors you should consider before making the leap. From healthcare and taxes we've got you covered. Join us as we explore the key elements that can make or break your retirement abroad. Whether you dream of waking up to breathtaking landscapes or immersing yourself in a new culture our comprehensive guide will equip you with the knowledge"
YouTube Link 2023-07-22T18:00Z 109K followers, 63.3K engagements
"Trump Signs Tax Bill: 88% Pay $0 on Social Security President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum a certified financial planner dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions are temporary with expiration dates ranging from"
YouTube Link 2025-07-05T20:00Z 137K followers, [----] engagements
"Do THIS Now: Seven Year-End Tax Secrets That Could Save $$$ Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares seven essential tax planning strategies to help you optimize your tax situation and reduce your tax liability. Kevin stresses the importance of developing a base case for your taxes evaluating current financial events and strategically planning your moves sometimes even paying more taxes today to save later. He dives into various scenarios including when to contribute to Roth vs. traditional 401k/IRAs the benefits of tax loss"
YouTube Link 2024-12-14T23:00Z 107K followers, 45K engagements
"CFP Reveals Best Place to Park Cash -- and what you miss. ✅ SCHEDULE A FREE RETIREMENT ASSESSMENT ✅ https://foundryfinancial.org/get-started In today's episode we explore the best places to park your cash that are safe and offer the highest yield. We'll cover: CDs Bank Accounts Government Treasuries My Guaranteed Annuities .and more. Most importantly we will also cover one major factor that almost everyone overlooks and it could cost you a fortune. Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2023-12-02T14:00Z 78.6K followers, 11.2K engagements
"Is your retirement income at risk ✅ SCHEDULE A FREE CALL ✅ / https://foundryfinancial.org/get-started For decades the 60/40 portfolio has been heralded as the cornerstone of sound financial planning. But as we stand at the crossroads of changing global demographics surging federal deficits and an unpredictable market one has to wonder: Is the golden era of the 60/40 portfolio drawing to a close Beyond just the numbers we delve into the socio-economic factors driving these changes. Why is cheap money disappearing How are demographic trends influencing market returns And with the federal debt"
YouTube Link 2023-10-28T13:00Z 78K followers, [----] engagements
"Do you need a million dollars to retire Real-Life Case Analysis ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin answers the question: Do I need a million dollars to retire Using a real-life scenario Kevin analyzes if a single individual with $300000 in savings can successfully retire. He discusses the key factors to consider such as debt living expenses safe income sources and savings while highlighting the risks like long-term care costs and medical expenses. Kevin also offers insights into mitigating these risks through state"
YouTube Link 2024-08-03T22:00Z 78.8K followers, 28.7K engagements
"6 types of income not taxed in retirement. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we explore six types of income that can be potentially tax-free in retirement. The video covers Health Savings Accounts (HSAs) qualified dividends and long-term capital gains municipal bonds downsizing or tapping into home equity qualified Roth distributions and tax-free Social Security benefits. Kevin explains the benefits requirements and potential pitfalls of each income source offering practical insights for minimizing your tax bill in retirement."
YouTube Link 2024-11-16T23:00Z 118K followers, 116.7K engagements
"The Truth Revealed: Can Elon Musk and Trump ACTUALLY End Social Security In this episode Kevin addresses rising concerns and rumors about Elon Musk and the potential defunding of Social Security and Medicare. Kevin clarifies the limitations of presidential power in making these changes and highlights the importance of being prepared for market volatility unnecessary panic and misinformation. He also stresses the value of creating a robust financial plan to weather any economic uncertainties and emphasizes the need to safeguard personal data given the prevalence of data leaks. 00:00 Client"
YouTube Link 2025-02-15T23:00Z 191K followers, 155K engagements
"A CFP Responds to Dave Ramsey's Advice Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Join us as we delve into the heated discussion ignited by Dave Ramsey's controversial take on retirement withdrawals. Dave's emphatic views have sparked widespread debate and in this must-watch video we dissect his advice piece by piece. We'll break down the insights he nailed and critically examine the aspects of his strategy that could potentially derail your retirement plans. Tune in for a comprehensive analysis that could safeguard your financial future *Private Facebook"
YouTube Link 2023-11-11T14:00Z 172K followers, 124.7K engagements
"What month should I retire ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry"
YouTube Link 2026-01-02T23:47Z 193K followers, [----] engagements
"Massive Hack Puts You at Risk Act Now Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum CFP discusses a recent data breach that exposed [---] billion records including sensitive information like social security numbers. He explains the potential risks and impacts of this breach and provides practical steps for protecting oneself from identity theft. Key measures include setting up a 'mySocial Security' account obtaining an IRS IP pin credit freezes and fraud alerts. Additionally Kevin emphasizes the importance of ongoing vigilance in"
YouTube Link 2024-08-24T22:00Z 173K followers, 302.4K engagements
"Social Security Spousal Benefits Made Easy: [--] Things You Need to Know Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode we dive into the oft-overlooked topic of Spousal Benefits providing you with a comprehensive understanding of this significant aspect of your retirement planning. ✅ How do you qualify for spousal benefits ✅ Wondering how to calculate your spousal benefits ✅ How much can you expect to receive ✅ Our discussion would be incomplete without exploring the three key exceptions in the spousal benefits rules. ✅ Lastly we've put together a"
YouTube Link 2023-07-15T18:00Z 181K followers, 68.9K engagements
"You Might Be Overpaying for Medicare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses the influx of Medicare-related communications many receive during open enrollment season. He explains the importance of reviewing Medicare plans to avoid overpaying and introduces Chapter Medicare a service that helps compare plans to find the best fit. Lum also highlights common Medicare scams providing tips on how to spot and avoid them. Protect yourself by letting unknown calls go to voicemail and never give out your Medicare number to unsought"
YouTube Link 2025-10-18T21:00Z 170K followers, [----] engagements
"Watch This Before Roth Converting in 2024trust me. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment One of the most consequential choices you can make when preparing to retire is whether you should do a Roth Conversion. It could save you millions of dollars. When you perform a Roth Conversion you are deciding to pay taxes today to get out of future taxes. But is it worth it By the end of this video -- you'll have a much better idea. RIGHTCAPITAL LINK: https://foundryfinancial.typeform.com/rightcapital NOTE -- I ask a couple of questions but feel free to scroll"
YouTube Link 2024-01-27T23:00Z 175K followers, 453.6K engagements
"60 With $1 Million How Much Can I Spend In Retirement ✅ FREE RETIREMENT ASSESSMENT ✅ https://www.foundryfinancial.org/retirement-assessment In this video we'll explore the popular question: can you retire at [--] with $1 million in your retirement account Using financial planning software RightCapital we analyze the probability of success for a hypothetical couple Phil and Claire based on different spending scenarios and market conditions. We then compare this traditional Monte Carlo approach with a dynamic income strategy using the software IncomeLab. Learn about the differences the concept"
YouTube Link 2024-06-15T22:00Z 182K followers, 125K engagements
"Surprising Research: Retirees Can Spend More Money in Retirement Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode of "Retirement Made Simple" we delve into the fascinating world of guaranteed income and its profound impact on retirement spending. We explore why many retirees despite having sufficient funds often underspend in their golden years. We discuss the findings of the Health and Retirement Study (HRS) and how it reveals that households with more wealth in guaranteed income spend significantly more each year than those with more wealth in"
YouTube Link 2023-06-06T18:00Z 177K followers, 18.1K engagements
"Are you most happy in retirement #retirement #retirementplanning Do you know what years are the happiest years of your life Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my"
YouTube Link 2024-04-25T19:28Z 170K followers, [----] engagements
"Boomer Candy: Safe Retirement or Wall Streets Latest Trick ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum dives into the growing popularity of buffered ETFs also known as defined outcome investments. These products promise 80-100% downside protection with upside potential making them sound like a savvy investment choice. Kevin dissects the mechanics behind buffered ETFs including their composition of treasury bills and S&P [---] option call spreads. He examines their performance fees and potential downsides compared to traditional S&P"
YouTube Link 2025-09-13T21:30Z 193K followers, 46.5K engagements
"How to Beat Vanguard Index Funds Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ What to dive deeper here's free access to a new documentary being released about the history of modern finance by Errol Morris https://foundryfinancial.net/free-early-access 📈 While low-cost index funds like VTI and VXUS have been a game-changer for the average investor outperforming 95% of actively managed funds there's more to the story. In this episode we're exploring a different potentially more optimized way to invest your money. 🔍 We'll start by understanding the history"
YouTube Link 2024-03-16T22:00Z 189K followers, 34.2K engagements
"One Cost to Cut in Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the one cost that most people overlook in their retirement planning. While conventional advice often suggests cutting out lattes or downsizing homes Kevin highlights how uncertainty can cause over-saving stress and missed opportunities. Kevin introduces a five-part framework called the Foundry Framework to manage and reduce uncertainty allowing you to enjoy a worry-free retirement. The framework includes giving your money a purpose establishing a clear"
YouTube Link 2025-07-12T16:01Z 193K followers, 39.6K engagements
"Double Your 401K Before AI Takes Your Job (5-Year Plan) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses why you might need to double your retirement savings over the next five years due to rapid advancements in AI and its impact on the job market. Lum shares strategies to potentially double your retirement savings such as maximizing employer contributions reducing expenses automating savings diversifying account types and being strategic with your investment risks. He also touches on the potential economic impacts of AI and the"
YouTube Link 2025-07-19T21:43Z 193K followers, 64.1K engagements
"6 Essential Steps Before You Retire - Don't Miss These ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin discusses six essential steps you must take before retiring to ensure a smooth transition and successful retirement. Using the financial planning software RightCapital Kevin walks you through creating a comprehensive retirement plan. Key topics include envisioning your ideal retirement budgeting understanding your income sources managing savings and investments planning for healthcare and addressing tax strategies. Kevin also provides a"
YouTube Link 2025-02-01T22:11Z 105K followers, 20.5K engagements
"$2 Million Retirement: Why the Math Says "No" (At First) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment RightCapital Trial:https://foundryfinancial.typeform.com/rightcapital Boldin: https://go.boldin.com/foundryfinancial In this episode Kevin addresses a common question: Can you retire with $2 million He uses a detailed case study of Elaine Bennis who plans to retire in [----] at age [--] with $2 million in her portfolio. Through financial planning software like Right Capital and Income Lab Kevin illustrates how to assess retirement readiness by considering"
YouTube Link 2026-01-10T21:48Z 193K followers, 58K engagements
"The Month You Retire Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an"
YouTube Link 2025-12-18T19:29Z 193K followers, 19K engagements
"When should I retire Healthcare considerations. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand"
YouTube Link 2025-12-26T18:51Z 193K followers, [----] engagements
"The BEST DIY Retirement Software A CFP Reviews New Retirement. Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Boldin: https://go.boldin.com/foundryfinancial In this episode I compare retirement planning software RightCapital and New Retirement focusing on their suitability for financial advisors and DIY investors respectively. I walk you through building a retirement plan with New Retirement explaining key components like setting assumptions managing expenses and understanding tax implications. You'll also learn about the challenges and benefits of both"
YouTube Link 2024-06-30T18:00Z 179K followers, 77.8K engagements
"5 BIG Purchases Retirees (Almost) Always Regret Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's video we are going to discuss the "5 BIG Purchases Retirees (Almost) Always Regret" 🛑 Financial mistakes can cause significant stress and uncertainty especially during the retirement years when income is fixed. If youre retired or nearing retirement its crucial to make informed decisions to avoid regrets later on. 🔍 We have gathered insights and real-life experiences to compile this must-see list for retirees and future retirees. Well explore various"
YouTube Link 2023-09-30T17:05Z 174K followers, 1.4M engagements
"7 Essential Accounts You Can't Afford to Ignore Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today we break down the seven essential financial accounts everyone should consider having for a well-organized financial life and efficient retirement planning. This video covers the fundamentals of accounts like checking accounts high-yield savings cash management accounts health savings accounts work retirement accounts traditional IRAs Roth IRAs and taxable brokerage accounts. Kevin highlights common mistakes to avoid and shares specific strategies to optimize"
YouTube Link 2024-10-06T00:29Z 183K followers, 35.3K engagements
"Tax-Free Retirement Income with a Taxable Brokerage Account Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Are you looking for a smart and tax-efficient strategy to boost your retirement income In today's video we delve into the powerful concept of utilizing a taxable brokerage account to maximize your tax-free retirement income. ✅ Understanding the concept: We begin by exploring the ins and outs of taxable brokerage accounts and how they can play a crucial role in your retirement plans. By keeping taxable investments in a brokerage account you gain immense"
YouTube Link 2023-08-19T16:00Z 178K followers, 44.9K engagements
"The Month You Retire Really Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin explores whether the month you retire impacts your retirement experience and financial outcomes. Kevin delves into three critical areas: health and wellbeing tax efficiency and general financial considerations. Using real-life anecdotes and detailed examples he explains how factors like weather medical insurance tax planning and employer benefits can influence your ideal retirement"
YouTube Link 2025-12-13T22:00Z 193K followers, 39.6K engagements
"How Trump's New Executive Order Will Reshape Your Retirement Options ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses President Trump's recent executive order and its implications for your retirement accounts. Understand the changes to 401k plans especially the inclusion of alternative assets like private credit private equity and cryptocurrencies. Learn about potential benefits pitfalls and what to expect in the coming years. Kevin also delves into the broader market trends and how to wisely incorporate these new options into"
YouTube Link 2025-09-06T21:30Z 193K followers, 188.7K engagements
"Trump Signs Tax Bill: 88% Pay $0 on Social Security ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions"
YouTube Link 2025-07-05T23:18Z 193K followers, 121K engagements
"I Was Blindsided: The Hidden Medicare Bill You Aren't Expecting ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download important Numbers for 2026✅ https://foundryfinancial.net/important-tax-numbers-for-2026 Kevin explains how the Income-Related Monthly Adjustment Amount (IRMAA) surcharge affects Medicare premiums and why it often blindsides retirees. Learn about the two-year lookback rule the thresholds and triggers for the IRMAA surcharge and practical strategies to minimize your taxable income to avoid unexpected costs. Kevin also guides you on how to"
YouTube Link 2026-01-03T22:00Z 193K followers, 36.1K engagements
"7 Habits Of the Quietly Wealthy Retiree ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the common traits of successful retirees and introduces the concept of 'Quiet Wealth.' He shares insights from his many conversations with retirees who demonstrate a unique approach to wealth and retirement. Key topics include the importance of homeownership lifelong learning having steady careers investing simply and maintaining patience and consistency. Kevin also emphasizes the value of happiness security over status and spending money"
YouTube Link 2025-11-08T22:00Z 193K followers, 219.9K engagements
"Should You Pay Off Your Mortgage or Invest The Money Instead *Free Retirement Strategy Session * // https://foundryfinancial.org/get-started FREE Spreadsheet: https://foundryfinancial.net/mortgage-calculator Today we're tackling the age-old dilemma: paying off your mortgage early versus investing. Using a complex customizable spreadsheet Right Capital and Income Labs they provide detailed insights and calculations to help you make the best financial decision. Download the same spreadsheet used in the video and explore various scenarios yourself. Understand the pros and cons of each approach"
YouTube Link 2025-05-10T22:00Z 193K followers, 14K engagements
"RETIREMENT EXPERT: Signs You're Doing Well Financially (Even if it doesnt feel like it) Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ In this episode Kevin discusses a trend hes noticed: many people are better off than they realize. He outlines five key indicators that suggest you might be richer than you think and explains how recognizing these signs can significantly improve your retirement plan. Join Kevin as he delves into these indicators and provides actionable advice to help you make the most of your wealth during retirement. 0:00 - Introduction 2:10"
YouTube Link 2024-06-01T22:00Z 191K followers, 527.4K engagements
"If you're in your 50s or 60s watch this. Life lessons from older retirees. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 00:00Introduction 01:04Regret #1 03:23Regret #2 07:50Regret #3 10:45Regret #4 12:55Regret #5 15:35Regret #6 18:40Regret #7 19:54Conclusion Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people"
YouTube Link 2026-01-17T22:51Z 193K followers, 111.2K engagements
"This Will Change How You View Annuities Forever ✅ FREE ANNUITY REVIEW✅: https://www.foundryfinancial.org/free-annuity-review DAVE BLANCHETTS RESEARCH: https://papers.ssrn.com/sol3/papers.cfmabstract_id=3875802 In this episode we into the controversial world of annuities. Despite the bad reputation and frequent advice against purchasing annuities Kevin explains scenarios where annuities can be the optimal solution for some retirees. He discusses why annuities are often sold rather than bought the conflicts of interest in financial advice and what to look for if considering an annuity. Kevin"
YouTube Link 2024-09-21T22:08Z 192K followers, 21.8K engagements
"The Hidden Financial Risk Most Families Dont See Coming ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Estate Planning Resources: https://foundryfinancial.net/estate-planning-tools Trust and Will: https://trustandwill.com/get-started In this episode Kevin addresses the critical yet often overlooked area of retirement planning: estate planning. Highlighting the fact that a large percentage of Americans lack a will Kevin provides six essential tips to help you ensure your family's future security. He covers creating a will considering a trust setting up"
YouTube Link 2025-06-28T22:00Z 193K followers, 20.2K engagements
"I'm [--] with 80% (401k IRA etc.). How Do I Minimize Taxes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment FREE Planning Software Access: https://foundryfinancial.typeform.com/rightcapital 00:00 Introduction 00:09 The Story of a Potential Client 01:05 Understanding Tax-Deferred Accounts 03:27 Case Study: Phil and Claire's Retirement Plan 05:37 The Problem with Required Minimum Distributions (RMDs) 08:51 Strategies to Mitigate Tax Burden 11:51 Conclusion and Next Steps Free Retirement Assessment // https://foundryfinancial.org/get-started *Private Facebook"
YouTube Link 2025-08-30T21:45Z 193K followers, 315.2K engagements
"Retirees Spend 80% of Their Income in These [--] Areas How do you compare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin delves into the main areas where retirees spend money sharing national data on average expenditures. He offers practical tips to significantly reduce costs in entertainment food healthcare transportation and housing without diminishing your lifestyle. Learn how to make the most of discounts optimize Medicare plans leverage libraries and explore potentially cost-effective strategies like Airbnb and buying in bulk. This"
YouTube Link 2025-05-31T22:00Z 193K followers, 22.3K engagements
"4 Things To Know If You're Retiring With A Pension ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download Historic Tax Rates Chart: https://foundryfinancial.net/historic-us-tax-rates In this episode Kevin discusses vital considerations for those with a pension. With less than 20% of American workers having access to traditional pensions the typical retirement advice may not apply to them. Kevin outlines four crucial strategies for pension holders to effectively plan their retirement including understanding inflation risks unique tax planning survivor benefit"
YouTube Link 2025-06-22T12:00Z 193K followers, 203.6K engagements
"Where Should You Pull Funds from First in Retirement Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment How you choose to withdraw your retirement funds can significantly affect the taxes you pay and how long your savings last. Should I pull from first -- my Traditional IRA ROTH IRA or Taxable Account In this video we look at a realize case study to help make this important decision and we even give you free access to the same tool financial advisors use. This information is particularly useful for those nearing retirement or who have just retired offering crucial"
YouTube Link 2024-01-20T23:29Z 192K followers, 1.5M engagements
"Maximizing Income in Retirement #retirement Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an"
YouTube Link 2024-04-10T20:29Z 192K followers, [----] engagements
"Social Security: Stop Waiting Until [--] The Math Nobody Shows You ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Derek's Article: https://www.kitces.com/blog/discount-rate-delaying-social-security-benefits-retirement-planning/ In this video Kevin delves into a heated debate in the retirement planning community over the best time to claim Social Security. He discusses Derek Tharp's new controversial article that questions conventional wisdom suggesting to delay Social Security until age [--]. Kevin explores Tharp's critique of existing assumptions such as the"
YouTube Link 2025-10-04T21:00Z 193K followers, 267.5K engagements
"Buy These [--] Things BEFORE You RETIRE ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares his insights on key purchases people should consider making before retiring. Based on his experience preparing hundreds of retirement plans Kevin discusses why pre-retirement spending can be both practically and psychologically smart. He highlights five critical areas: health and dental work home purchases major home repairs buying a reliable car and prepaying for bucket list experiences. Kevin also delves into the psychological struggles of"
YouTube Link 2025-04-12T22:00Z 193K followers, 1.1M engagements
"How Much Do I Need to Retire [--] Numbers to Help You Decide. Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Can you afford to retire Will I have enough retirement income In this video I unveil the essential 5-numbers you need to confidently plan your golden years. From understanding your retirement expenses to calculating the potential shortfall discover the simple yet crucial ingredients to retire without financial worries. Private Facebook Group // http://facebook.com/groups/retirementforum"
YouTube Link 2023-09-23T17:00Z 193K followers, 203.9K engagements
"Should You Draw Your 401(k) to Delay Social Security Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment ✅ Are you wondering whether to tap your 401k or IRA before claiming Social Security This video dives deep into a case study using RightCapital to help you maximize your benefits. Get ready for an in-depth analysis that will have you reaching for your spreadsheet. If you want to make the most of your retirement planning hit the subscribe button now How you choose to withdraw your retirement funds can significantly affect the taxes you pay and how long your"
YouTube Link 2024-03-02T23:00Z 193K followers, 172.2K engagements
"The Shockingly SIMPLE Retirement Plan FREE Calculator ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 💻 Retirement Calculator: https://www.foundryfinancial.org/can-i-afford-to-retire Kevin explains the steps to determine what you want to do with your money in retirement how much it will cost you to live and how to stack up your guaranteed income. Kevin introduces a retirement calculator showing how to input your age retirement goals and financial information. By the end of this video you'll have a clear starting point to understand your retirement outlook and"
YouTube Link 2025-08-23T21:45Z 193K followers, 63.3K engagements
"Why Retirees With $1M Actually End Up With $5M ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why many retirees end up with more money than they started with due to being overly conservative with their spending. He introduces the concept of the 'consumption gap' and shares surprising data from studies including findings by Michael Kitces. Kevin stresses the importance of giving yourself permission to spend and creating a dynamic evidence-based income strategy to maximize spending confidence in retirement. Practical steps for"
YouTube Link 2025-08-02T21:30Z 193K followers, 819.6K engagements
"Your Financial Advisor Could Be Quietly Sabotaging Your Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Kevin explains why some financial advisors may not tell the full story and shares five signals it may be time to leave: (1) they lead with selling products instead of building a comprehensive plan (2) they arent a fiduciary and their compensation is unclear or commission-based (3) they avoid tax planning or"
YouTube Link 2026-02-14T23:13Z 193K followers, [---] engagements
"Why Fully Funded Retirements Are Falling Apart ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment WSJ Article: https://www.wsj.com/health/wellness/the-retirement-crisis-no-one-warns-you-about-mattering In this episode Kevin discusses a new type of retirement crisis where despite having sufficient funds and a well-laid financial plan retirees find themselves feeling worthless and undervalued. He explores the concept of 'mattering span'how long you continue to feel needed and your life makes a differenceand its crucial role in retirement satisfaction. Kevin shares"
YouTube Link 2026-02-07T22:00Z 193K followers, 71.5K engagements
"These [--] Types of Retirees are Richer Than They Think ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment *Free Planning Software * https://foundryfinancial.typeform.com/rightcapital *Boldin Affiliate Link: https://go.boldin.com/foundryfinancial Many believe you need millions to retire comfortably but in this video Kevin explains why many retirees are actually better off than they think. Breaking down five key traits of successful retireesmodest spending being debt-free having guaranteed income having solid healthcare and budget flexibilityKevin shows how these"
YouTube Link 2026-01-31T22:00Z 193K followers, 112.6K engagements
"10 Unsexy Habits That Lead to a Great Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Retirement Checklist ✅ https://foundryfinancial.net/what-issues-should-i-consider-before-i-retire In this video Kevin shares the top [--] habits that make retirees successful and worry-free. Kevin discusses three key habits for building wealth: living below your means automating savings and staying invested through market fluctuations. He then covers seven essential habits for protecting and enjoying that wealth: knowing your spending treating cash as a tool planning"
YouTube Link 2026-01-24T22:00Z 193K followers, 233.8K engagements
"If you're in your 50s or 60s watch this. Life lessons from older retirees. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 00:00Introduction 01:04Regret #1 03:23Regret #2 07:50Regret #3 10:45Regret #4 12:55Regret #5 15:35Regret #6 18:40Regret #7 19:54Conclusion Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people"
YouTube Link 2026-01-17T22:51Z 193K followers, 111.2K engagements
"$2 Million Retirement: Why the Math Says "No" (At First) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment RightCapital Trial:https://foundryfinancial.typeform.com/rightcapital Boldin: https://go.boldin.com/foundryfinancial In this episode Kevin addresses a common question: Can you retire with $2 million He uses a detailed case study of Elaine Bennis who plans to retire in [----] at age [--] with $2 million in her portfolio. Through financial planning software like Right Capital and Income Lab Kevin illustrates how to assess retirement readiness by considering"
YouTube Link 2026-01-10T21:48Z 193K followers, 58K engagements
"I Was Blindsided: The Hidden Medicare Bill You Aren't Expecting ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download important Numbers for 2026✅ https://foundryfinancial.net/important-tax-numbers-for-2026 Kevin explains how the Income-Related Monthly Adjustment Amount (IRMAA) surcharge affects Medicare premiums and why it often blindsides retirees. Learn about the two-year lookback rule the thresholds and triggers for the IRMAA surcharge and practical strategies to minimize your taxable income to avoid unexpected costs. Kevin also guides you on how to"
YouTube Link 2026-01-03T22:00Z 193K followers, 36.1K engagements
"What month should I retire ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry"
YouTube Link 2026-01-02T23:47Z 193K followers, [----] engagements
"When should I retire Healthcare considerations. ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand"
YouTube Link 2025-12-26T18:51Z 193K followers, [----] engagements
"3 Mistakes That Wipe Out Million-Dollar Nest Eggs ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses three crucial questions that can reveal hidden risks in even the most seemingly solid retirement plans. By addressing these issues retirees can significantly improve their financial security and avoid common pitfalls that lead to financial failure. 00:00 Introduction: Why Rich Retirees Go Broke 01:33 Question [--] 03:50 Question [--] 07:54 Question [--] 12:38"
YouTube Link 2025-12-20T21:00Z 193K followers, 194.4K engagements
"The Month You Retire Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an"
YouTube Link 2025-12-18T19:29Z 193K followers, 19K engagements
"The Month You Retire Really Matters ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin explores whether the month you retire impacts your retirement experience and financial outcomes. Kevin delves into three critical areas: health and wellbeing tax efficiency and general financial considerations. Using real-life anecdotes and detailed examples he explains how factors like weather medical insurance tax planning and employer benefits can influence your ideal retirement"
YouTube Link 2025-12-13T22:00Z 193K followers, 39.6K engagements
"7 Signs You're Done Working (Even If You Haven't Admitted It Yet) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin highlights the subtle signals that may indicate it's time to retire inspired by an insightful article from the Wall Street Journal. Kevin discusses the epiphanies and signs such as feeling numb at work reluctance to learn new tools disinterest in promotions experiencing 'Sunday Scaries' obsessively checking your 401k a desire to volunteer and physical aches and pains. He emphasizes the importance of having clarity and purpose"
YouTube Link 2025-12-06T22:00Z 193K followers, 70.5K engagements
"7 Tax Moves You Must Make Before December [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin shares seven essential tax planning strategies to help you reduce your tax liability in [----] and set yourself up for a stronger financial future. Kevin emphasizes the importance of holistic tax planning and developing a 'base case' by assessing your current tax situation. He covers various tax-saving tactics including maximizing retirement contributions tax loss harvesting tax gain harvesting and the benefits of donor-advised funds. Kevin also"
YouTube Link 2025-11-22T21:44Z 193K followers, 86.9K engagements
"7 Things Retirees Are Told to Buy (That You DON'T Need) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin discusses seven common financial products and services often recommended to retirees that may actually be unnecessary. Kevin also highlights the importance of having a clear retirement plan to avoid these financial missteps and offers free access to planning software and consultations. 00:00Introduction: The Unexpected Advice 00:50Item [--] 02:37Item [--] 05:00Item 3"
YouTube Link 2025-11-15T22:00Z 193K followers, 97K engagements
"7 Habits Of the Quietly Wealthy Retiree ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the common traits of successful retirees and introduces the concept of 'Quiet Wealth.' He shares insights from his many conversations with retirees who demonstrate a unique approach to wealth and retirement. Key topics include the importance of homeownership lifelong learning having steady careers investing simply and maintaining patience and consistency. Kevin also emphasizes the value of happiness security over status and spending money"
YouTube Link 2025-11-08T22:00Z 193K followers, 219.9K engagements
"Eight Things To STOP DOING After [--] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Kevin shares essential advice on transitioning into retirement. He emphasizes the importance of valuing experiences over material possessions and changing one's perspective on money from a scoreboard to a tool. Lum highlights the benefits of prioritizing health investing in experiences and embracing authenticity. He also warns against constantly worrying about money and attempting to time the market. The video focuses on purposeful deaccumulation and creating a balanced"
YouTube Link 2025-11-01T21:00Z 193K followers, 56.8K engagements
"ROTH IRA TRAP Why Your Instincts Are Wrong (Think Like This Instead) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Free Access to Planning Software ✅ https://foundryfinancial.typeform.com/rightcapital In this episode Kevin navigates the debate on Roth conversions for retirees. Prompted by a recent controversy Kevin discusses the potential benefits and pitfalls of Roth conversions addressing concerns such as tax rate increases widow taxes and RMDs. He explains the importance of probabilistic thinking in retirement planning and uses a detailed example to show"
YouTube Link 2025-10-25T21:01Z 193K followers, 91.5K engagements
"Social Security: Stop Waiting Until [--] The Math Nobody Shows You ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Derek's Article: https://www.kitces.com/blog/discount-rate-delaying-social-security-benefits-retirement-planning/ In this video Kevin delves into a heated debate in the retirement planning community over the best time to claim Social Security. He discusses Derek Tharp's new controversial article that questions conventional wisdom suggesting to delay Social Security until age [--]. Kevin explores Tharp's critique of existing assumptions such as the"
YouTube Link 2025-10-04T21:00Z 193K followers, 267.5K engagements
"Forced Into Roth: New 401(k) Rule Hits Age 50+ ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Software Access ✅ https://foundryfinancial.typeform.com/rightcapital Starting next year high earners making over $145000 annually will lose a key tax break due to new IRS rules from the Secure Act [---]. Kevin details the changes impacts and preparations needed. High earners aged [--] and above will now have to direct catch-up contributions into a Roth 401k instead of traditional 401k removing upfront tax deductions but allowing for tax-free withdrawals later. This"
YouTube Link 2025-09-27T21:30Z 193K followers, 116.3K engagements
"5M Retirees Dont Lie: Real Data on Retirement Spending ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment ✅Download the Study ✅ https://foundryfinancial.net/jp-morgan-spending-study In this episode Kevin delves into the findings from two extensive JP Morgan studies on retirement spending. Covering over [--] million households these studies reveal critical insights about retirement spending patterns including the retirement spending surge spending volatility and the spending curve or 'spending smile.' Learn why spending typically peaks in your late forties to early"
YouTube Link 2025-09-20T21:30Z 193K followers, 545.4K engagements
"Boomer Candy: Safe Retirement or Wall Streets Latest Trick ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin Lum dives into the growing popularity of buffered ETFs also known as defined outcome investments. These products promise 80-100% downside protection with upside potential making them sound like a savvy investment choice. Kevin dissects the mechanics behind buffered ETFs including their composition of treasury bills and S&P [---] option call spreads. He examines their performance fees and potential downsides compared to traditional S&P"
YouTube Link 2025-09-13T21:30Z 193K followers, 46.5K engagements
"How Trump's New Executive Order Will Reshape Your Retirement Options ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses President Trump's recent executive order and its implications for your retirement accounts. Understand the changes to 401k plans especially the inclusion of alternative assets like private credit private equity and cryptocurrencies. Learn about potential benefits pitfalls and what to expect in the coming years. Kevin also delves into the broader market trends and how to wisely incorporate these new options into"
YouTube Link 2025-09-06T21:30Z 193K followers, 188.7K engagements
"I'm [--] with 80% (401k IRA etc.). How Do I Minimize Taxes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment FREE Planning Software Access: https://foundryfinancial.typeform.com/rightcapital 00:00 Introduction 00:09 The Story of a Potential Client 01:05 Understanding Tax-Deferred Accounts 03:27 Case Study: Phil and Claire's Retirement Plan 05:37 The Problem with Required Minimum Distributions (RMDs) 08:51 Strategies to Mitigate Tax Burden 11:51 Conclusion and Next Steps Free Retirement Assessment // https://foundryfinancial.org/get-started *Private Facebook"
YouTube Link 2025-08-30T21:45Z 193K followers, 315.2K engagements
"The Shockingly SIMPLE Retirement Plan FREE Calculator ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment 💻 Retirement Calculator: https://www.foundryfinancial.org/can-i-afford-to-retire Kevin explains the steps to determine what you want to do with your money in retirement how much it will cost you to live and how to stack up your guaranteed income. Kevin introduces a retirement calculator showing how to input your age retirement goals and financial information. By the end of this video you'll have a clear starting point to understand your retirement outlook and"
YouTube Link 2025-08-23T21:45Z 193K followers, 63.3K engagements
"Should I delay my Social Security Use This 5-Step Test ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Access to Planning Software: https://foundryfinancial.typeform.com/rightcapital When should I claim my Social Security benefits In this episode Kevin provides a straightforward five-point decision framework to help you determine the best time to claim Social Security benefits. He details how longevity income gap family dynamics taxes and security (acronym LIFTS) play crucial roles in this decision. Kevin also offers insights into the benefits of delaying"
YouTube Link 2025-08-09T22:32Z 193K followers, 127.8K engagements
"Did you save too much ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I found an industry of financial advisors dominated by glorified salespeople working on commission pushing products that were not in my mothers best interest. Or advisors with minimums that shut-out all but the ultra wealthy. Disappointed with the options I took matters into my own hands and launched"
YouTube Link 2025-08-05T17:00Z 193K followers, [----] engagements
"Why Retirees With $1M Actually End Up With $5M ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin Lum discusses why many retirees end up with more money than they started with due to being overly conservative with their spending. He introduces the concept of the 'consumption gap' and shares surprising data from studies including findings by Michael Kitces. Kevin stresses the importance of giving yourself permission to spend and creating a dynamic evidence-based income strategy to maximize spending confidence in retirement. Practical steps for"
YouTube Link 2025-08-02T21:30Z 193K followers, 819.6K engagements
"Roth Conversions Just Got UGLY (Tricky) Under the Beautiful Bill ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download the Slides: https://foundryfinancial.net/obbba-tax-implications In this episode Kevin Lum and special guest Noah Hankin CPA discuss the massive tax implications of the recently passed 'One Big Beautiful Bill Act' on Roth conversions and retirement planning. The video provides an in-depth analysis of new tax bracket changes enhanced senior deductions SALT cap increases and other tax provisions that could significantly impact your retirement"
YouTube Link 2025-07-26T21:00Z 193K followers, 196.4K engagements
"Double Your 401K Before AI Takes Your Job (5-Year Plan) ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses why you might need to double your retirement savings over the next five years due to rapid advancements in AI and its impact on the job market. Lum shares strategies to potentially double your retirement savings such as maximizing employer contributions reducing expenses automating savings diversifying account types and being strategic with your investment risks. He also touches on the potential economic impacts of AI and the"
YouTube Link 2025-07-19T21:43Z 193K followers, 64.1K engagements
"One Cost to Cut in Retirement ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the one cost that most people overlook in their retirement planning. While conventional advice often suggests cutting out lattes or downsizing homes Kevin highlights how uncertainty can cause over-saving stress and missed opportunities. Kevin introduces a five-part framework called the Foundry Framework to manage and reduce uncertainty allowing you to enjoy a worry-free retirement. The framework includes giving your money a purpose establishing a clear"
YouTube Link 2025-07-12T16:01Z 193K followers, 39.6K engagements
"Trump Signs Tax Bill: 88% Pay $0 on Social Security ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment President Trump has signed a new tax bill that will significantly impact retirees and those nearing retirement. In this video Kevin Lum dissects the key revisions and their implications. The bill makes permanent the tax cuts from the [----] Tax and Jobs Cut Act and introduces several changes including increased standard deductions for seniors alterations to state and local tax deductions and new provisions for charitable donations. However many of the provisions"
YouTube Link 2025-07-05T23:18Z 193K followers, 121K engagements
"The Hidden Financial Risk Most Families Dont See Coming ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Free Estate Planning Resources: https://foundryfinancial.net/estate-planning-tools Trust and Will: https://trustandwill.com/get-started In this episode Kevin addresses the critical yet often overlooked area of retirement planning: estate planning. Highlighting the fact that a large percentage of Americans lack a will Kevin provides six essential tips to help you ensure your family's future security. He covers creating a will considering a trust setting up"
YouTube Link 2025-06-28T22:00Z 193K followers, 20.2K engagements
"4 Things To Know If You're Retiring With A Pension ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Download Historic Tax Rates Chart: https://foundryfinancial.net/historic-us-tax-rates In this episode Kevin discusses vital considerations for those with a pension. With less than 20% of American workers having access to traditional pensions the typical retirement advice may not apply to them. Kevin outlines four crucial strategies for pension holders to effectively plan their retirement including understanding inflation risks unique tax planning survivor benefit"
YouTube Link 2025-06-22T12:00Z 193K followers, 203.6K engagements
"STOP: [--] Beginner Retirement Mistakes Everyone Makes ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin addresses the most common mistakes people make when planning their retirement. Kevin walks through five major beginner errors stressing the importance of having a clear retirement plan before diving into specific investment tools and tactics. He underscores that strategies like tax planning and investment decisions should be tailored to individual needs and goals and emphasizes the pitfalls of overconsumption of retirement-related content"
YouTube Link 2025-06-14T22:00Z 193K followers, 133.8K engagements
"If I Wanted to Retire Well This is What I'd Do in [----] ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Boldin: https://go.boldin.com/foundryfinancial Monarch Money: https://www.monarchmoney.com/referral/kii6sn8eym In today's episode Kevin outlines five critical strategies to supercharge your retirement plan. Don't miss out on these essential tips to secure your financial future and retire without worry. Also learn about the benefits of tools like Monarch Money and Bolden for detailed retirement planning. Start today and ensure your best retirement outcome"
YouTube Link 2025-06-07T22:00Z 193K followers, 127K engagements
"Retirees Spend 80% of Their Income in These [--] Areas How do you compare ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this video Kevin delves into the main areas where retirees spend money sharing national data on average expenditures. He offers practical tips to significantly reduce costs in entertainment food healthcare transportation and housing without diminishing your lifestyle. Learn how to make the most of discounts optimize Medicare plans leverage libraries and explore potentially cost-effective strategies like Airbnb and buying in bulk. This"
YouTube Link 2025-05-31T22:00Z 193K followers, 22.3K engagements
"Sell These [--] Things BEFORE Retiring ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Join Kevin Lum as he discusses the five essential things to sell before you retire to simplify your life and improve your financial standing. Using a personal anecdote Kevin illustrates the importance of letting go of unnecessary items. 00:00 Introduction 00:29 The Importance of Letting Go 02:34 Sell #1 04:12 Sell #2 05:37 Sell #3 07:39 Sell #4 09:06 Sell #5 10:24 Conclusion Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group //"
YouTube Link 2025-05-17T22:00Z 193K followers, 1.3M engagements
"Should You Pay Off Your Mortgage or Invest The Money Instead *Free Retirement Strategy Session * // https://foundryfinancial.org/get-started FREE Spreadsheet: https://foundryfinancial.net/mortgage-calculator Today we're tackling the age-old dilemma: paying off your mortgage early versus investing. Using a complex customizable spreadsheet Right Capital and Income Labs they provide detailed insights and calculations to help you make the best financial decision. Download the same spreadsheet used in the video and explore various scenarios yourself. Understand the pros and cons of each approach"
YouTube Link 2025-05-10T22:00Z 193K followers, 14K engagements
"RETIREMENT: One Question Makes All the Difference Monarch Link: https://bit.ly/44cFPXp 00:00 Introduction 00:28 The Real Question: What Kind of Retirement Do You Want 00:59 The Unexamined Financial Life 02:35 Habit [--] 04:30 Habit [--] 07:30 Habit [--] 10:50 Habit [--] 12:51 Conclusion Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about"
YouTube Link 2025-04-26T22:00Z 193K followers, 17K engagements
"Buy These [--] Things BEFORE You RETIRE ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin shares his insights on key purchases people should consider making before retiring. Based on his experience preparing hundreds of retirement plans Kevin discusses why pre-retirement spending can be both practically and psychologically smart. He highlights five critical areas: health and dental work home purchases major home repairs buying a reliable car and prepaying for bucket list experiences. Kevin also delves into the psychological struggles of"
YouTube Link 2025-04-12T22:00Z 193K followers, 1.1M engagements
"Why Smart Investors Lose Money (The Emotion Trap) Free Retirement Assessment // https://foundryfinancial.org/get-started Private Facebook Group // http://facebook.com/groups/retirementforum -------------------------------------------------------------------------------------------------------------------------------- ABOUT ME Ive always been passionate about personal finance investing real estate and helping people find the freedom to live their life with purpose. But when my dad died in [----] I tried to help my Mom find an advisor to sort out her finances. Instead of a helping hand I"
YouTube Link 2025-04-10T22:12Z 193K followers, [----] engagements
"ONE Number CHANGES Everything EVERYONE Gets It Wrong ✅Free Strategy Session ✅ https://www.foundryfinancial.org/retirement-assessment Here's the link I mentioned: http://www.longevityillustrator.org/ Kevin addresses a critical number in retirement planning that is often miscalculated: life expectancy. In this video Kevin explains the importance and impact of accurately estimating life expectancy on retirement strategies such as Roth conversions and Social Security claims. He provides insights and examples to highlight how life expectancy affects financial planning and offers practical advice"
YouTube Link 2025-04-05T22:03Z 193K followers, 41.9K engagements
"Market Crash - What You NEED To Know ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Feeling panicked about the current market turmoil In this video Kevin Lum addresses the pressing issues surrounding the latest tariffs and their impact on the markets. He discusses the complexities of global trade tensions the potential for stagflation and the uncertainty plaguing investments. Kevin offers practical advice on how to stay diversified avoid emotional decisions and create a robust strategy to weather the storm. If you're concerned about your financial future this"
YouTube Link 2025-04-04T00:08Z 193K followers, 46.3K engagements
"RETIREE Wealth JUMPS by 33% How do you compare ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Heres the data I referenced: https://www.federalreserve.gov/econres/scf/dataviz/scf/chart/ In this episode Kevin dives into the surprising realities of retirement wealth revealing how many retirees are technically millionaires when factoring in investments home equity and social security. Using recent Federal Reserve data he shows how median net worth for retirees has significantly risen emphasizing why knowing your own financial situation matters more than"
YouTube Link 2025-03-29T22:00Z 193K followers, 31.9K engagements
"Avoid this BIG ROTH Mistake - Roth IRA [--] Year Rule Explained ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin dives deep into the complexities of the Roth IRA five-year rulea frequently misunderstood tax law essential for Roth conversions. Kevin begins by explaining the Roth IRA ordering rules emphasizing the sequence in which contributions conversions and earnings can be withdrawn. He then details the two distinct five-year rules: one pertaining to conversions made under the age of [----] and another regarding the tax-free withdrawal of"
YouTube Link 2025-03-22T22:00Z 193K followers, 98.1K engagements
"Worried About a Market Crash Do THIS Before Its Too Late ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin responds to a client's urgent inquiry about preparing for a potential 'Trump crash' amidst recent market volatility. Kevin discusses the importance of long-term investing the impact of political and economic uncertainty and provides a three-step framework for securing your financial future. He emphasizes the value of diversifying investments and maintaining a balanced portfolio and concludes with practical advice on managing short-term"
YouTube Link 2025-03-15T22:00Z 193K followers, 125.6K engagements
"What Order Should You Invest Your Money A CFP Explains ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In this episode Kevin discusses the optimal order for investing your money to maximize tax savings and build wealth. Kevin covers foundational steps like establishing an emergency savings fund taking advantage of 401k company matches and paying off high-interest debt. He then delves into more advanced strategies such as maxing out 401k contributions utilizing Health Savings Accounts (HSAs) Roth IRAs and taxable brokerage accounts. Additionally Kevin"
YouTube Link 2025-03-09T00:28Z 193K followers, 26.3K engagements
"87% Of People Get These [--] Retirement Topics WRONG Test Yourself ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment In today's episode Kevin addresses three crucial financial topics often misunderstood by both individuals and financial advisors. Kevin clarifies misconceptions about the gift tax explaining its implications limits and the role of IRS form [---]. He also demystifies the two different five-year rules associated with Roth IRAs detailing their applications for contributions and conversions. Lastly Kevin explains the social security earnings limit how"
YouTube Link 2025-03-02T02:00Z 193K followers, 35.8K engagements
"Retirement Lies Real Case Study Proves You Need WAY Less Than $1M to Retire ✅Free Introductory Call ✅ https://www.foundryfinancial.org/retirement-assessment Today Kevin challenges the idea of needing a million or more dollars to retire comfortably. He explains that retirement planning is more about cashflow and expenses rather than a magic number. Through a detailed scenario with Elaine Bennis a retired publishing professional with a modest savings portfolio Kevin illustrates how focusing on guaranteed income sources managing expenses and considering potential risks can provide a more"
YouTube Link 2025-02-23T22:00Z 193K followers, 60.9K engagements
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