#  @moneyevolution Money Evolution Money Evolution posts on YouTube about money, retirement, investment, finance the most. They currently have [------] followers and [---] posts still getting attention that total [-----] engagements in the last [--] hours. ### Engagements: [-----] [#](/creator/youtube::UCPrKtnGkBecj3wwFuLOiaZg/interactions)  - [--] Week [-----] +82% - [--] Month [------] -17% - [--] Months [-------] +126% - [--] Year [-------] +574% ### Mentions: [--] [#](/creator/youtube::UCPrKtnGkBecj3wwFuLOiaZg/posts_active)  - [--] Week [--] +33% - [--] Month [--] -5.10% - [--] Months [---] +174% - [--] Year [---] +845% ### Followers: [------] [#](/creator/youtube::UCPrKtnGkBecj3wwFuLOiaZg/followers)  - [--] Week [------] no change - [--] Month [------] no change - [--] Months [------] -0.17% - [--] Year [------] -0.17% ### CreatorRank: [---------] [#](/creator/youtube::UCPrKtnGkBecj3wwFuLOiaZg/influencer_rank)  ### Social Influence **Social category influence** [finance](/list/finance) [stocks](/list/stocks) [automotive brands](/list/automotive-brands) [technology brands](/list/technology-brands) **Social topic influence** [money](/topic/money), [retirement](/topic/retirement) #876, [investment](/topic/investment), [finance](/topic/finance), [financial](/topic/financial), [cash flow](/topic/cash-flow), [social security](/topic/social-security), [tax bracket](/topic/tax-bracket), [flow](/topic/flow), [ira](/topic/ira) **Top assets mentioned** [General Motors Company (GM)](/topic/general-motors) [General Electric Company (GE)](/topic/$ge) [Uber Technologies, Inc. (UBER)](/topic/$uber) ### Top Social Posts Top posts by engagements in the last [--] hours "Variable Annuity Explained (2019) #variable annuity #annuities explained #retirement planning #Retirement Income In this Video I explain Variable Annuities. ** Typical fees associated with variable annuities ** How a variable annuity could provide for a consistent and predictable stream of income for your retirement ** The differences between variable annuities and the other types of annuites ** Questions you should ask before buying a variable annuity If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your" [YouTube Link](https://youtube.com/watch?v=2hp1wgCuzpc) 2019-04-02T18:43Z 60.1K followers, 30.3K engagements "Are You Converting TOO Much to Roth (Most People Are) Are You Converting TOO Much to Roth (Most People Are) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you converting too much money to a Roth IRA Roth conversions can be a powerful retirement tax strategy but for a lot of people the real question isnt Should I convert Its How much should I convert and what tax bracket should I target In this video I explain why I believe many retirees should strongly consider targeting the" [YouTube Link](https://youtube.com/watch?v=ZBJVObv2sVI) 2026-02-14T12:15Z 60.1K followers, [----] engagements "11 Biggest 401k Mistakes Stick around to learn some of the most common 401k mistakes that you could be making Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our" [YouTube Link](https://youtube.com/watch?v=0dL_rGd_mdw) 2023-04-22T13:00Z 60.1K followers, [----] engagements "The Retirement Mindset That Holds People Back The Retirement Mindset That Holds People Back https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the most common mistakes people make in retirement planning is treating retirement like a starting line. They save diligently for [--] or even [--] years max out their 401K plans make sacrifices along the way and assume that retirement is when they finally get permission to enjoy their money. Thats when the trips start the golf club" [YouTube Link](https://youtube.com/watch?v=1-g6aMnrXL0) 2026-01-28T12:04Z 60.1K followers, [---] engagements "Can You Still Do Roth Conversions Without Having Extra Cash Can You Still Do Roth Conversions Without Having Extra Cash https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Even if you dont have outside money to pay the taxes on a Roth conversion it can still make sense. Rather than converting $100000 and paying the taxes separately you could convert $75000 if youre in a 25% combined tax bracket and let the taxes come directly from the IRA. Youre still shifting future growth into a Roth" [YouTube Link](https://youtube.com/watch?v=2xy_dRRQEx4) 2026-02-10T12:15Z 60.1K followers, [---] engagements "Create $120k Retirement Income Detailed Breakdown https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video youll learn how to create $120000 of sustainable retirement income using a strategic bucket plan approach. We walk through a real-world example using a hypothetical couple with $2 million in investable assets showing how to split retirement into two distinct phases: Early Retirement and Full Retirement once Social Security kicks in. Youll see exactly how we structure" [YouTube Link](https://youtube.com/watch?v=626mGFQBNww) 2025-05-10T11:45Z 60.1K followers, 15.4K engagements "The Biggest Reason to Determine if Roth Conversions Actually Make Sense The Biggest Reason to Determine if Roth Conversions Actually Make Sense https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The most important factor when deciding whether a Roth conversion makes sense is your tax rate today vs. what you believe your tax rate will be in the future. If you think your future tax rate is going to be higher than it is right now then its probably worth looking at doing some Roth" [YouTube Link](https://youtube.com/watch?v=6OOoyN9kbxQ) 2026-02-09T12:15Z 60.1K followers, [----] engagements "The [----] Roth IRA Loophole High Earners Need to Know The [----] Roth IRA Loophole High Earners Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For [----] if you make over $150k (single) or $236k (married filing jointly) you cant contribute directly to a Roth IRA. But there is a workaround the backdoor Roth IRA strategy that lets high income earners still get money into a Roth. Heres how it works and when it makes sense. If you would like to watch the full video click here" [YouTube Link](https://youtube.com/watch?v=7T6unEJeAg8) 2025-09-28T14:00Z 60.1K followers, [----] engagements "How the Senior Bonus Deduction Works How the Senior Bonus Deduction Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As part of the One Big Beautiful Bill Act signed on July [--] [----] a new Senior Bonus Deduction was introduced. To qualify your modified adjusted gross income must be under $75000 if youre a single filer or under $150000 if youre married filing jointly. If you qualify this deduction can be worth an extra $6000 per individual age [--] or older. That means married" [YouTube Link](https://youtube.com/watch?v=98QOFigSOAU) 2026-02-05T12:15Z 60.1K followers, [---] engagements "Will Your Capital Gains Push You Into a Higher Tax Bracket Will Your Capital Gains Push You Into a Higher Tax Bracket https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Will capital gains push you into a higher tax bracket This is one of the most common and most misunderstood tax questions I get from clients. In this video I break down how capital gains are actually taxed why the IRS uses two separate tax tables and how long term capital gains and qualified dividends interact with your" [YouTube Link](https://youtube.com/watch?v=9NCzNmsyQ0U) 2026-01-31T12:15Z 60.1K followers, [---] engagements "Using Roth Conversions to Build Tax Free Growth Using Roth Conversions to Build Tax Free Growth https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the biggest advantages of Roth conversions is the ability to shift future growth into a tax free account. You can earn a similar overall rate of return but by moving part of that higher growth portion into a Roth youre allowing that growth to compound without future income taxes. That creates another bucket you can draw from later" [YouTube Link](https://youtube.com/watch?v=9_90qWz9F5I) 2026-02-11T12:15Z 60.1K followers, [---] engagements "What Goes Into a Comprehensive Retirement Plan What Goes Into a Comprehensive Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is something we work through all the time with our clients during the retirement planning process. A real retirement plan isnt just about investments. Its about understanding cash flow taxes Social Security timing and how all of those pieces fit together. Thats why we created a program called the Retirement Time Machine. Its a high level" [YouTube Link](https://youtube.com/watch?v=9s64fDjeGp8) 2026-02-02T12:15Z 60.1K followers, [----] engagements "The 3.8% Net Investment Income Tax That Can Sneak Up During Roth Conversions The 3.8% Net Investment Income Tax That Can Sneak Up During Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the other taxes that can come into play during Roth conversion planning is the net investment income tax. This is an extra 3.8% tax that applies to certain types of investment income once your income crosses specific thresholds. This tax does not apply to money coming out of an" [YouTube Link](https://youtube.com/watch?v=CJtSaK64Y4o) 2026-01-16T12:19Z 60.1K followers, [----] engagements "Do Time and Returns Matter for Roth Conversions Do Time and Returns Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you convert $100000 from a traditional retirement account to a Roth IRA and youre in a 30% combined State and Federal tax bracket youre going to owe $30000 in taxes on that conversion. That means youre left with $70000 inside the Roth IRA. If you leave the money in the traditional account the full $100000 continues working for you. That" [YouTube Link](https://youtube.com/watch?v=HSpfOtB8TEw) 2026-01-30T12:15Z 60.1K followers, [---] engagements "How Higher Income Can Quietly Increase Your Medicare Costs How Higher Income Can Quietly Increase Your Medicare Costs https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Higher income in retirement doesnt just affect your tax bracket it can also quietly increase your Medicare costs. As your income rises from things like portfolio growth withdrawals Roth conversions or required minimum distributions you can trigger IRMAA surcharges that raise your Medicare premiums. This is one of those" [YouTube Link](https://youtube.com/watch?v=JrpjBlZanMs) 2026-02-13T12:15Z 60.1K followers, [----] engagements "401k Contribution Limits for 2025: The $81250 Strategy 401k Contribution Limits for 2025: The $81250 Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much can you really contribute to your 401(k) in [----] In this video Ill break down the new IRS contribution limits and explain whats changing this yearincluding the brand-new Super Catch-Up rule created under the Secure Act [---]. Whether youre under [--] over [--] or in that special age range of [----] its important to know how" [YouTube Link](https://youtube.com/watch?v=S-CUReoNbyE) 2025-10-14T22:45Z 60.1K followers, [----] engagements "Coasting into Retirement: The Retirement Strategy No One Talks About Coasting into Retirement: The Retirement Strategy No One Talks About https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you waiting until retirement to finally enjoy your life A lot of people treat retirement like a finish line. Save aggressively for [--] or [--] years sacrifice spending max out every account and then finally give yourself permission to enjoy the money once you retire. But theres another option. In" [YouTube Link](https://youtube.com/watch?v=U1xxpzz2kKQ) 2025-12-23T22:02Z 60.1K followers, [---] engagements "The Truth About Social Security Taxes Explained Simply The Truth About Social Security Taxes Explained Simply https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I recently watched a long video explaining how Social Security benefits can be taxed it covered a lot of detail worksheets and calculations. But heres the straight to the point version. Unless youre at a very low income level you should probably expect that your Social Security benefits will be subject to tax. Thats not a" [YouTube Link](https://youtube.com/watch?v=V8KFNBbHJHg) 2026-02-04T12:15Z 60.1K followers, [----] engagements "Annuities Part [--] - Immediate Annuities http://lethemonfinancial.com/retirement-planning/annuities/ Part 3: Immediate Annuities An immediate annuity is kind of like a pension that you fund yourself. Its also called a single Premium Immediate Annuity or SPIA and its generally considered the most traditional type of annuity. Basically you give an insurance company a lump sum of money and in return they give you a regular stream of income usually guaranteed for the rest of your life. Now when you give the money to the insurance company you pretty much lose control of your money which is one of" [YouTube Link](https://youtube.com/watch?v=XjHgoM_m93A) 2012-06-11T12:19Z 60.1K followers, [----] engagements "Did the One Big Beautiful Bill Act Eliminate Taxes on Social Security Did the One Big Beautiful Bill Act Eliminate Taxes on Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did the One Big Beautiful Bill Act eliminate taxes on Social Security benefits The short answer is no but it did change how much of your income can be shielded from tax at least temporarily. In this video I walk through exactly how Social Security benefits are taxed how the IRS calculates" [YouTube Link](https://youtube.com/watch?v=bLSuKL_gQqU) 2026-01-24T12:15Z 60.1K followers, [---] engagements "What Is Our Retirement Time Machine What Is Our Retirement Time Machine https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre looking for a clear detailed plan for your retirement we created something called the Retirement Time Machine. Its a comprehensive financial planning program designed to help you understand cash flow taxes Social Security and retirement decisions. Its not connected to where you choose to invest your money and focuses entirely on building a retirement plan" [YouTube Link](https://youtube.com/watch?v=c29Ufg5ogiI) 2026-02-08T12:15Z 60.1K followers, [---] engagements "The Asset Shifting Strategy That Frees Up Cash Flow The Asset Shifting Strategy That Frees Up Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Just because youre able to save more money for retirement doesnt always mean you should. We see this a lot with high savers who are maxing out contributions but feeling squeezed from a cash flow standpoint. In many cases their retirement assets are already on a strong trajectory. They dont actually need to keep saving at the same" [YouTube Link](https://youtube.com/watch?v=dFk9wPIMkh0) 2026-02-01T12:15Z 60.1K followers, [---] engagements "Two Misconceptions That Dont Matter for Roth Conversions Two Misconceptions That Dont Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When it comes to Roth conversions there are two factors that many people focus on that actually dont matter. The first is rate of return. A lot of people think they need to earn some minimum return or hit a break even point for a Roth conversion to make sense. The second is time horizon. Some believe the money has to stay" [YouTube Link](https://youtube.com/watch?v=iMQMcCH05yQ) 2026-01-29T12:15Z 60.1K followers, [---] engagements "How Much Income Can You Get from an Annuity in [----] (Rates Payouts & Examples) How Much Income Can You Get from an Annuity in [----] (Rates Payouts & Examples) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how much income you can get from an annuity in [----] In this video Ill walk you through real-world payout examples based on current annuity rates and explain what determines how much guaranteed income you can expect whether youre planning to start now or a few years from" [YouTube Link](https://youtube.com/watch?v=icfq00xhkg8) 2025-10-22T20:58Z 60.1K followers, [---] engagements "The Asset Allocation Math That Drives Your Returns The Asset Allocation Math That Drives Your Returns https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we build retirement plans we dont assume everything earns the same return. Most portfolios are split between growth assets and more conservative assets. When you blend those together your actual return ends up somewhere in the middle. In this short I walk through a simple asset allocation example to show how blended returns really" [YouTube Link](https://youtube.com/watch?v=jqOOjrgWMP4) 2026-02-07T12:15Z 60.1K followers, [---] engagements "How Standard Deductions Work After Age [--] in Retirement How Standard Deductions Work After Age [--] in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A lot of people underestimate how much income can be reduced just through standard deductions especially once youre age [--] or older. For [----] the standard deduction is $16100 for a single tax filer and $32200 for married filing jointly. On top of that theres an additional Senior deduction thats been around for decades. If" [YouTube Link](https://youtube.com/watch?v=ln1seK4bBX0) 2026-02-06T12:15Z 60.1K followers, [----] engagements "How RMDs Can Lead to Unexpected Tax Problems How RMDs Can Lead to Unexpected Tax Problems https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you start taking $100000 a year out of a traditional retirement account at age [--] that account can still grow significantly by the time required minimum distributions begin. By the time RMDs start around age [--] or [--] that balance can force out very large mandatory withdrawals. When those RMDs get stacked on top of other income like Social" [YouTube Link](https://youtube.com/watch?v=mMOa3jhdb8Q) 2026-02-12T12:15Z 60.1K followers, [---] engagements "How Roth Conversions Can Impact ACA Subsidies How Roth Conversions Can Impact ACA Subsidies https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Healthcare costs before Medicare can be a lot higher than people expect. For a married couple around age [--] annual health insurance premiums alone can easily run $24000 to $26000 per year and thats before copays and other out of pocket expenses. ACA subsidies can significantly reduce those costs sometimes by 60% or more depending on income but" [YouTube Link](https://youtube.com/watch?v=q5v_wPId114) 2026-01-23T12:25Z 60.1K followers, [---] engagements "Why We Assume the Same Rate of Return for Traditional Accounts and Roth Accounts Why We Assume the Same Rate of Return for Roth Conversions and Traditional Accounts https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we model Roth conversions we assume the same rate of return for traditional and Roth accounts. Doing that lets us isolate the tax advantage of the conversion itself. Were not relying on different investment performance or assumptions. Were simply comparing the impact" [YouTube Link](https://youtube.com/watch?v=sYO-mTcV64w) 2026-02-10T22:30Z 60.1K followers, [---] engagements "401k New Rules and Rule Changes In this video learn about new rules and rule changes coming to 401k plans in [----] including changes to contribution limits employer matching contributions and more. Thanks for watching if you enjoyed the video please leave a like and subscribe to our channel for more weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel." [YouTube Link](https://youtube.com/watch?v=v0SSF_ssYfw) 2023-02-25T11:45Z 60.1K followers, [----] engagements "Social Security Part [--] - Spousal Benefits http://lethemonfinancial.com/retirement-planning/social-security/ Social Security Part [--] - Spousal Benefits Check out all of our videos on our YouTube Channel at http://www.youtube.com/user/lethemonfinancial/videos Like us on Facebook at http://www.facebook.com/pages/Lethemon-Financial/208420089176958 Call 248-731-7829 Lethemon Financial Bloomfield Hills MI William G. Lethemon III owner of Lethemon Financial Bloomfield Hills MI We have had a good review of how your basic benefits work let's talk about spousal benefits. Your spouse is entitled to" [YouTube Link](https://youtube.com/watch?v=yifysOmTGyY) 2012-05-31T08:22Z 60.1K followers, 18.8K engagements "Real World Social Security Math: How a $3000 Benefit Impacts a Spouses Check Real World Social Security Math: How a $3000 Benefit Impacts a Spouses Check https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets walk through a simple example to see exactly how a Social Security spousal benefit works. In this short Ill show how Mark and Kathys benefits are calculated and what determines that extra $500 spousal amount. 💡 Heres what Ill cover: ✅ How to calculate the spousal benefit step by" [YouTube Link](https://youtube.com/watch?v=-IHshf9I8kw) 2025-10-18T11:00Z 60.2K followers, [----] engagements "Do You Really Need to Replace a $350000 Income in Retirement Do You Really Need to Replace a $350000 Income in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the first things many people focus on when they start retirement planning is the top line income number. You might be making $350000 a year and immediately wonder how youre ever going to fund retirement at that level. The reality is the amount you actually need to replace in retirement is often much lower" [YouTube Link](https://youtube.com/watch?v=08ME8okuBaE) 2025-12-28T12:30Z 60.1K followers, [----] engagements "What Rising Parenting Costs Mean for Your Retirement What Rising Parenting Costs Mean for Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Raising kids isnt cheap especially when youre juggling high school sports extracurriculars homecoming prom extra cars or college tuition. During those years it can feel like theres an endless stream of cash flowing out of your budget every month. In this short I break down a few key steps you can take right now to keep your" [YouTube Link](https://youtube.com/watch?v=1bdYCGYzRvo) 2025-12-11T12:45Z 60.1K followers, [---] engagements "Why Tax Bracket Awareness Is Crucial for Retirement Withdrawals Why Tax Bracket Awareness Is Crucial for Retirement Withdrawals https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is why having a detailed cash flow based retirement plan matters so much. Inside a good financial planning tool especially when youre modeling retirement withdrawals you can see exactly what your tax situation looks like as income changes. Rather than just knowing youre in a certain tax bracket you can" [YouTube Link](https://youtube.com/watch?v=1dTmnUWdBTk) 2025-12-19T12:15Z 60.1K followers, [----] engagements "Are You Filling Your Retirement Buckets the Right Way Are You Filling Your Retirement Buckets the Right Way https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement success isnt just about how much youve saved its about how your three tax buckets change over time. In this short I break down the three key factors that determine how those accounts grow and how long your money lasts: ✅ How much money is going into each bucket ✅ How fast each bucket is growing ✅ How much youre" [YouTube Link](https://youtube.com/watch?v=3KSvWqtWbcU) 2025-11-10T23:16Z 60.1K followers, [---] engagements "Fixed Annuities Explained #fixed annuities #retirement income planning One of the most important aspects of retirement planning is how to create a predictable source of income for your lifestyle needs. Traditionally bonds were the go to way for retirees to generate income for their retirement and also to provide some safety from the stock market. In this Video I explain fixed annuities and deferred income annuities. In this video. ** Pros and Cons of fixed annuities versus the other types of annuities ** Understanding options for creating your retirement income stream ** How an annuity might" [YouTube Link](https://youtube.com/watch?v=3PR25E6gepE) 2019-04-17T00:07Z 60.1K followers, 27.2K engagements "What are the Ordering Rules for Roth IRA Withdrawals What are the Ordering Rules for Roth IRA Withdrawals https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Before taking money out of your Roth IRA its important to understand how the IRS decides what comes out first and what might trigger taxes or penalties. In this video Ill walk through the Roth IRA ordering rules and explain how contributions conversions and earnings are treated when you make a withdrawal. 💡 Heres what youll learn:" [YouTube Link](https://youtube.com/watch?v=3u8BLrtYgtE) 2025-10-19T12:30Z 60.2K followers, [----] engagements "How Contributions and Conversions Work: Understanding the Roth IRA [--] Year Rule How Contributions and Conversions Work: Understanding the Roth IRA [--] Year Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The Roth IRA five-year rule is one of the most misunderstood parts of retirement planning but its also one of the most important to get right. In this video Ill break it down in simple terms so you can understand when your money becomes tax free and penalty free. 💡 Heres what" [YouTube Link](https://youtube.com/watch?v=4zXnz1nbzfo) 2025-10-21T22:15Z 60.2K followers, [----] engagements "Roth vs. Traditional: Why Tax Rates Matter Roth vs. Traditional: Why Tax Rates Matter https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets assume your money doubles over time. The rate of return and the time period dont really matter for this example. If $100000 in a traditional IRA grows to $200000 and youre still in a 30% tax bracket youll owe $60000 in taxes leaving you with $140000 after tax. Now for a Roth conversion example if $70000 is converted to a Roth and that money" [YouTube Link](https://youtube.com/watch?v=5TsLnaY4TMA) 2026-01-03T12:15Z 60.1K followers, [----] engagements "Will Your RMD Be A Tax Problem https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thanks for Watching Ready to start building your plan 👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com Want more retirement planning insights 🏠 Visit our website: https://moneyevolution.com/ 📘 Follow us on Facebook: https://www.facebook.com/moneyevolutionlive/ 📝 Read our blog: https://moneyevolution.com/blog/ 🎁 Download our FREE Retirement Launch Kit Get organized dont" [YouTube Link](https://youtube.com/watch?v=5zNxSa4RcRE) 2024-10-26T11:00Z 60.2K followers, [----] engagements "How Travel Plans Impact Your Retirement Cash Flow How Travel Plans Impact Your Retirement Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is why planning from a cash flow perspective matters so much in retirement. When you start putting future expenses on the calendar things like a $50000 trip to Hawaii next year or a $20000 river cruise in Europe the year after it directly changes the size of your cash flow gap. In most cases those larger expenses mean youre going to" [YouTube Link](https://youtube.com/watch?v=6MeJdr53MI8) 2026-01-01T12:15Z 60.1K followers, [----] engagements "What Is FRA Understanding Your Full Retirement Age for Social Security What Is FRA Understanding Your Full Retirement Age for Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever hear the term FRA and wonder what it means In this short Ill explain what Full Retirement Age is and why its such an important milestone in your Social Security planning. 💡 Heres what youll learn: ✅ What FRA stands for and how it affects your benefit amount 📅 The age you become eligible" [YouTube Link](https://youtube.com/watch?v=7q305iAkQ1o) 2025-11-04T22:00Z 60.1K followers, [----] engagements "The Tax Detail People Miss When Modeling Roth Conversions The Tax Detail People Miss When Modeling Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When were doing financial planning and modeling Roth conversions the details matter. Inside our software we dont just calculate the tax on the conversion itself. We also account for where the money to pay those taxes is coming from. If that money is coming from investments with capital gains and those gains push income" [YouTube Link](https://youtube.com/watch?v=8zyocO_OB3Q) 2026-01-20T12:22Z 60.1K followers, [---] engagements "What Age do Required Minimum Distributions Become Mandatory What Age do Required Minimum Distributions Become Mandatory https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Required minimum distributions are when youre required to start taking money out of your traditional retirement accounts whether you want to or not. This isnt optional and the age when it starts depends on the year you were born. If you were born in [----] or later required minimum distributions begin at age [--]. If you" [YouTube Link](https://youtube.com/watch?v=96_ffL_dGs8) 2025-12-22T12:15Z 60.1K followers, [----] engagements "The ACA Subsidy Cliff: What You Need to Know The ACA Subsidy Cliff: What You Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money During the Covid era one of the bills that was passed capped health insurance premiums at 8.5% of your modified adjusted gross income. That meant even if your income was higher you could still receive a meaningful ACA subsidy in many cases. Starting in [----] that changes. The rules revert back to a cliff structure. If your income is even $1 over" [YouTube Link](https://youtube.com/watch?v=BcWbw3aaZU8) 2026-01-15T12:18Z 60.1K followers, [---] engagements "How to Use Your Low Tax Years for Smart Roth Conversions How to Use Your Low Tax Years for Smart Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about retiring at [--] or [--] You could be sitting in one of the best tax windows of your life. In this short I explain why your early retirement years often come with lower tax brackets and how that creates a prime opportunity for Roth conversions. By living off non-retirement accounts and taking advantage of" [YouTube Link](https://youtube.com/watch?v=C6o9o1jwTnE) 2025-11-17T12:19Z 60.1K followers, [----] engagements "Why Cash Flow Should be the Center of Every Retirement Plan Why Cash Flow Should be the Center of Every Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As you get closer to retirement there are a lot of moving pieces you start thinking about. Healthcare decisions Medicare and whether you need a supplement what to do if you retire before age [--] and how you cover healthcare during that gap. You may also still be working and asking where you should be saving whether you" [YouTube Link](https://youtube.com/watch?v=CZjfSgmFP5k) 2025-12-24T12:15Z 60.1K followers, [---] engagements "Want to Retire at [--] Check This Math First Want to Retire at [--] Check This Math First https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you want to retire at age [--] the first seven years of retirement look very different from retiring at [--]. Youll have no Social Security until at least age [--] and many pensions dont start until age [--] or they come with steep reductions if taken early. That means you may need to cover all of your expenses with savings during this early retirement" [YouTube Link](https://youtube.com/watch?v=Ct8vF_gPVVc) 2025-12-16T12:15Z 60.1K followers, [----] engagements "How the 4% Rule Determines Your Portfolio Size How the 4% Rule Determines Your Portfolio Size https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is where you get to your real need from the portfolio and its probably the most important part of the entire retirement planning process. Once you know how much income you actually need to support from your investments the next question becomes how much money it takes to realistically support that. One common guideline youve probably" [YouTube Link](https://youtube.com/watch?v=EJjCFyOH7nQ) 2025-12-21T12:15Z 60.1K followers, [----] engagements "How to Use IRA Withdrawals to Pay Roth Conversion Taxes How to Use IRA Withdrawals to Pay Roth Conversion Taxes https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once youve identified how much room you have in a target tax bracket the next question is how to pay the taxes on a Roth conversion. If you dont have outside cash available one option is to do a partial conversion and then take an additional IRA distribution to cover the tax bill. For example you might convert $75000 from a" [YouTube Link](https://youtube.com/watch?v=EWNufFoXvc0) 2026-01-25T12:26Z 60.1K followers, [---] engagements "Tax Consequences of Roth Conversions Tax Consequences of Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about a Roth conversion There may be some unintended consequences to know about before you do. In this video I'll break down [--] possible tax consequences from doing a Roth conversion. 💡 Heres what youll learn: ✅ How to avoid higher Medicare costs ✅ How to know if you're eligible for the Senior Bonus Deduction ✅ How Roth conversions may trigger an" [YouTube Link](https://youtube.com/watch?v=F97fSwIu6fA) 2025-11-15T12:00Z 60.1K followers, [---] engagements "Social Security Timing Explained: Why Waiting Can Boost Your Benefits Social Security Timing Explained: Why Waiting Can Boost Your Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about when to start your Social Security benefits In this short Ill explain how claiming early or delaying can make a big difference and what those delayed retirement credits really mean. 💡 Heres what youll learn: ✅ The earliest age you can claim Social Security (and how much its reduced)" [YouTube Link](https://youtube.com/watch?v=FLoPl4IhM5w) 2025-10-30T21:00Z 60.2K followers, [----] engagements "What Is a Social Security Spousal Benefit What Is a Social Security Spousal Benefit https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder how Social Security spousal benefits work when one spouse earned a lot more than the other In this short I break down how the lower-earning spouse can receive up to 50% of the higher earners benefit and what needs to happen to qualify for the full amount. 💡 Heres what I cover: ✅ The difference between spousal and survivor benefits 📅 How" [YouTube Link](https://youtube.com/watch?v=Fv0G6D0pBcw) 2025-11-03T22:00Z 60.1K followers, [----] engagements "How to Build Your Retirement Withdrawal & Tax Strategy How to Build Your Retirement Withdrawal & Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement tax strategy and your retirement withdrawal strategy are inseparable. In this video I walk you through how the money you take out of your accounts in retirement affects your tax brackets ACA subsidies IRMAA surcharges and required minimum distributions and how to start coordinating all of it into one cohesive" [YouTube Link](https://youtube.com/watch?v=GelYrsP6FcI) 2025-12-06T12:15Z 60.1K followers, [----] engagements "Married Couples: Dont Claim Social Security Until You Understand This Rule Married Couples: Dont Claim Social Security Until You Understand This Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre married and getting close to retirement coordinating your Social Security benefits can be confusing especially when it comes to spousal benefits. In this video Ill clear up some of the biggest misconceptions and show you exactly how spousal benefits work how theyre calculated and" [YouTube Link](https://youtube.com/watch?v=HnwzXOz5f9A) 2025-10-26T11:15Z 60.2K followers, [---] engagements "Finding the Right Balance Between Saving and Spending Before Retirement Finding the Right Balance Between Saving and Spending Before Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Were always making tradeoffs with money. If youre saving aggressively into a 401K today thats money youre choosing not to spend on something else right now. At the same time you dont want to spend everything and end up short in retirement. The real challenge is finding the right balance between" [YouTube Link](https://youtube.com/watch?v=I0YXZJABN2c) 2026-01-27T12:12Z 60.1K followers, [---] engagements "Social Security Terms Explained: FRA PIA COLA and More (Made Simple) Social Security Terms Explained: FRA PIA COLA and More (Made Simple) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever feel like Social Security has its own secret language Between acronyms like FRA PIA and COLA it can be tough to make sense of what really matters for your retirement. In this video Ill break down the most common Social Security terms so you can finally understand what they mean and how they" [YouTube Link](https://youtube.com/watch?v=J7g7bW25Qbs) 2025-10-28T11:15Z 60.2K followers, [----] engagements "The #1 Social Security Mistake Married Couples Make (and How to Avoid It) The #1 Social Security Mistake Married Couples Make (and How to Avoid It) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre married and getting close to retirement understanding how your Social Security benefits work together is essential. One of the biggest areas of confusion I see is with spousal benefits and there are a lot of myths out there. In this video Ill walk through a clear example to show" [YouTube Link](https://youtube.com/watch?v=JxKGXvrSElU) 2025-10-27T11:15Z 60.2K followers, [----] engagements "The Smart Tax Move Before Paying for a Wedding The Smart Tax Move Before Paying for a Wedding https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I was talking with a client whos also a good friend of mine and his son is getting married next summer. Because weve had these conversations before he was very aware of where he currently sits in the tax brackets and how much room he has left this year. With a lot of wedding expenses coming up we decided it made sense for him to take an extra" [YouTube Link](https://youtube.com/watch?v=MAgcU2FPEi0) 2025-12-26T12:15Z 60.1K followers, [----] engagements "What Is the Social Security COLA What Is the Social Security COLA https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder why your Social Security check sometimes increases each year Thats because of the COLA or cost of living adjustment. In this short Ill explain how the COLA works and why its tied to inflation. 💡 Heres what youll learn: ✅ What COLA stands for and how it affects your Social Security benefits 📅 How inflation drives annual benefit increases ➡ Why COLA" [YouTube Link](https://youtube.com/watch?v=MevDcCw7zRE) 2025-10-31T21:02Z 60.2K followers, [----] engagements "5 Retirement Tax Strategies to Reduce Taxes Before You Retire [--] Retirement Tax Strategies to Reduce Taxes Before You Retire https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Most retirement tax planning conversations focus on what to do after you retire: how to take withdrawals manage tax brackets and coordinate income sources. But your retirement tax outcome is largely determined before you ever stop working. In this video I walk through five smart retirement tax strategies you" [YouTube Link](https://youtube.com/watch?v=MjfPavlHaq4) 2025-12-13T12:15Z 60.1K followers, [---] engagements "The Easy Way to Build Your Retirement Withdrawal & Tax Strategy The Easy Way to Build Your Retirement Withdrawal & Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through how to actually coordinate retirement withdrawals tax brackets ACA subsidies Roth conversions and required minimum distributions into one cohesive plan using our advanced eMoney financial planning software. Rather than focusing on tax strategies in isolation this video shows how" [YouTube Link](https://youtube.com/watch?v=N5yibOEQjsA) 2026-01-10T12:14Z 60.1K followers, [----] engagements "The [--] Tax Buckets That Shape Retirement Planning The [--] Tax Buckets That Shape Retirement Planning https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When it comes to optimizing your taxes in retirement everything revolves around how you invest contribute and withdraw from your three primary tax buckets. In this short Ill break down the difference between: Taxable (non-retirement) accounts: bank brokerage and CD investments Traditional retirement accounts: pre tax 401Ks and IRAs Roth" [YouTube Link](https://youtube.com/watch?v=N6HiXGZxHH8) 2025-11-07T22:30Z 60.1K followers, [----] engagements "The Tax Mistake People Make When Buying an Expensive Car The Tax Mistake People Make When Buying an Expensive Car https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I had a client who was buying a car that had been on his dream list for a long time. It was about a $175000 purchase and he was already in a fairly high tax bracket. Since the car wasnt going to be delivered until the following year we looked closely at where he was in the tax brackets and how much room he had left for the" [YouTube Link](https://youtube.com/watch?v=N9lnvn_ojvA) 2025-12-17T12:15Z 60.1K followers, [----] engagements "The Tax Difference Between IRA Withdrawals and Capital Gains The Tax Difference Between IRA Withdrawals and Capital Gains https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When youre paying the taxes on a Roth conversion where that money comes from makes a big difference. If you use short term capital gains that income is taxed at ordinary income tax rates just like taking money out of an IRA. But if the money comes from long term capital gains or qualified dividends its taxed at a" [YouTube Link](https://youtube.com/watch?v=NdjNBj_B7FI) 2026-01-22T12:24Z 60.1K followers, [---] engagements "How to Maximize Your Joint Social Security Benefits for Married Couples Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement This strategy we will discuss is one you can use as a married couple to maximize the benefits that you and your spouse get from Social Security. Have you ever heard the expression 1+1=3 Most people just think I have benefits my spouse has benefits but they don't really think about how their benefits could work together. When it comes to Social Security we know that you can" [YouTube Link](https://youtube.com/watch?v=PfA3ULiMAO0) 2013-04-27T12:45Z 60.1K followers, 11.6K engagements "This [--] Phase Cash Flow Plan is Pivotal to Your Retirement This [--] Phase Cash Flow Plan is Pivotal to Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement cash flow projection has three stages: [--]. Your current income and expenses [--]. Your early retirement years (before Social Security kicks in) [--]. Your full retirement age at [--] Mapping these out helps you avoid surprises and plan with confidence. If youd like to watch the full video click here 👇" [YouTube Link](https://youtube.com/watch?v=Qu8s2y9sxqw) 2025-12-12T12:15Z 60.1K followers, [---] engagements "What Age Does the IRS Force You to Withdraw Money What Age Does the IRS Force You to Withdraw Money https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you have money in a traditional IRA or 401K you cant leave it there forever. The IRS eventually wants its cut. In this short I explain Required Minimum Distributions (RMDs) including when they start and why they exist: 📅 Age [--] if you were born before [----] 📅 Age [--] if you were born in [----] or later Once you reach that age youre" [YouTube Link](https://youtube.com/watch?v=RCkcy0EHKlk) 2025-11-12T12:16Z 60.1K followers, [----] engagements "How to Get Your Retirement on Track in Your 50's How to Get Your Retirement on Track in Your 50's https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you're in your 50s this is one of the most important decades of your entire retirement journey. You may be earning more than ever but youre also facing some of the highest expenses of your life teenagers at home college tuition sports activities extra cars and the constant drain on your monthly cash flow. In this short I break down the" [YouTube Link](https://youtube.com/watch?v=S-IStFIlbio) 2025-12-29T12:30Z 60.1K followers, [---] engagements "How the 4% Rule Helps You Plan Your Retirement Income How the 4% Rule Helps You Plan Your Retirement Income https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Most people have a cash flow surplus while theyre working but in retirement it often flips into a cash flow gap. That gap tells you exactly how much you need to withdraw from your portfolio each year. If your gap is $80000 after Social Security simple math using the 4% rule shows how much you should have saved to support that" [YouTube Link](https://youtube.com/watch?v=SIm-raTDhto) 2025-12-14T12:15Z 60.1K followers, [----] engagements "Everything You Need To Know About RMDs In this video learn more about [--] key areas related to Required Minimum Distributions Thanks for watching If you enjoyed the video please subscribe to the channel for weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Our WealthVision Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine https://www.retirementtimemachine.com Tracking: 418784-1" [YouTube Link](https://youtube.com/watch?v=SNq_irQbgEU) 2023-03-25T13:00Z 60.1K followers, [----] engagements "Annuity Income Explained: [----] Rates for Both Singles and Couples Annuity Income Explained: [----] Rates for Both Singles and Couples https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money So how much guaranteed income can an annuity provide in October [----] In this video Ill walk you through real world examples based on current annuity rates and explain what affects those numbers including age deferral period and whether you choose a single or joint lifetime payout. 💡 Heres what youll" [YouTube Link](https://youtube.com/watch?v=T875b1bHzMo) 2025-10-23T21:30Z 60.2K followers, [----] engagements "Biggest Reason To Do A Roth Conversion Biggest Reason To Do A Roth Conversion https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder why Roth conversions can be such a powerful retirement strategy In this video Ill walk you through what might be the biggest reason to consider doing Roth conversions and its not just about your tax rate today versus the future. 💡 The real power lies in how you shift your investment growth into a more tax efficient bucket. Heres what youll learn:" [YouTube Link](https://youtube.com/watch?v=Tur1XoDxjp0) 2025-11-01T12:14Z 60.1K followers, [---] engagements "401K Contribution Limits for [----] Explained 401K Contribution Limits for [----] Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets talk about regular 401K contributions for [----]. If youre under age [--] the maximum contribution limit is $24500. If youre [--] or older you can also make a catch up contribution of $7500 bringing your total contribution limit to $32000. Understanding these limits is important when youre planning how much to save how to manage cash flow and how" [YouTube Link](https://youtube.com/watch?v=U7FCF1z_8W8) 2026-01-11T12:15Z 60.1K followers, [----] engagements "2 Factors That Dont Matter for Roth Conversions [--] Factors That Dont Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how long you need to keep money in your Roth IRA or what return you have to earn to make a Roth conversion worth it 💡 Heres the truth: those two factors dont matter at all. In this video Ill break down the only thing that really determines whether a Roth conversion makes sense for you. ✅ What actually drives Roth conversion" [YouTube Link](https://youtube.com/watch?v=VpatsMnyobY) 2025-11-08T13:15Z 60.1K followers, [---] engagements "What the [----] Tax Law Means for Your Retirement What the [----] Tax Law Means for Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The new [----] tax law just made the Tax Cuts and Jobs Act rates permanent but your long term tax strategy still matters. In this short Ill walk you through the four phases of your tax roadmap and why understanding your tax rate today versus in the future is the key to smarter Roth conversions income timing and retirement planning. If youd" [YouTube Link](https://youtube.com/watch?v=Wr38hPxGiVo) 2025-11-05T22:03Z 60.1K followers, [----] engagements "Claiming Social Security Early vs. Later: How Timing Impacts Your Benefit Claiming Social Security Early vs. Later: How Timing Impacts Your Benefit https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering when you should start collecting your Social Security benefits In this short Ill explain how your claiming age affects the amount you receive and why patience could mean a bigger monthly check later on. 💡 Heres what youll learn: ✅ The difference between claiming early and waiting" [YouTube Link](https://youtube.com/watch?v=XSddlabUPtQ) 2025-10-20T11:00Z 60.2K followers, [----] engagements "When the Primary Wage Earners Benefit Impacts the Spouses Social Security When the Primary Wage Earners Benefit Impacts the Spouses Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If one of you earned more over the years that primary wage earner status plays a big role in your Social Security benefits. In this short Ill explain how spousal benefits are tied to the higher-earning spouses record and what that means for your retirement income. 💡 Heres what youll learn:" [YouTube Link](https://youtube.com/watch?v=YYNWb-CHZ1k) 2025-10-17T16:04Z 60.2K followers, [----] engagements "Will Your Social Security Be Taxed Heres the Truth Will Your Social Security Be Taxed Heres the Truth https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Will your Social Security benefits be taxed in retirement In this video I break down exactly how Social Security benefits are taxed why the thresholds almost guarantee taxation for most retirees and how this really works once you see the numbers. I recently watched a long video explaining Social Security taxation with worksheets and" [YouTube Link](https://youtube.com/watch?v=YbZFeLGu2Cw) 2025-12-20T12:01Z 60.1K followers, [---] engagements "The Smart Way to Balance Withdrawals and Roth Conversions in Retirement The Smart Way to Balance Withdrawals and Roth Conversions in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When your retirement income comes mostly from traditional accounts every withdrawal adds to your taxable income. In this short I explain how to decide how much to withdraw from your traditional IRA or 401K and when it makes sense to do a Roth conversion on top of that. Its all about balancing" [YouTube Link](https://youtube.com/watch?v=YiXVfSoRV6c) 2025-11-18T12:20Z 60.1K followers, [----] engagements "When is a Better Time to Take Social Security age [--] or age [--] When is a Better Time to Take Social Security age [--] or age [--] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your full retirement age (FRA) is when youre entitled to 100% of your Social Security benefit. Claim early at [--] and youll only receive about 70% of that amount. Wait until [--] and your benefit grows 8% each year up to 124% of your FRA benefit. Timing your Social Security claim is one of the most important" [YouTube Link](https://youtube.com/watch?v=Zy9S6YDAZWU) 2025-11-09T20:44Z 60.1K followers, [----] engagements "The Mistake People Make When Projecting Retirement Expenses The Mistake People Make When Projecting Retirement Expenses https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money That number is a lot lower than what youre spending today and thats where the next step of retirement planning really matters. You have to put yourself into the future and start thinking about what retirement is actually going to look like not what life looks like right now. Retirement changes things. Your work" [YouTube Link](https://youtube.com/watch?v=_m9fw-YMA5w) 2025-12-18T12:15Z 60.1K followers, [----] engagements "7 Social Security Terms Everyone Should Know [--] Social Security Terms Everyone Should Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever feel like Social Security has its own secret language Youre not alone. In this video Ill help you make sense of the most common Social Security terms and acronyms so you can understand your benefits and plan your claiming strategy with confidence. 💡 Heres what youll learn: ✅ What FRA (Full Retirement Age) and PIA (Primary Insurance Amount)" [YouTube Link](https://youtube.com/watch?v=a-fZ7Ml74cE) 2025-10-27T21:30Z 60.2K followers, [---] engagements "Is Maxing Out Your 401K Hurting Your Cash Flow Is Maxing Out Your 401K Hurting Your Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I recently met with a client in his early 50's who had done a phenomenal job saving for retirement. He had over $3 million in portfolio assets but he was saving so aggressively that his day to day cash flow felt tight. Between maxing out his 401K every year helping his kids through college and covering regular expenses he felt strapped and" [YouTube Link](https://youtube.com/watch?v=a8zPgBHWdkU) 2026-01-26T12:02Z 60.1K followers, [---] engagements "The Simple Process to Calculate Your Retirement Living Expenses The Simple Process to Calculate Your Retirement Living Expenses https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through a simple process you can use to get more accuracy around how much money you actually need to live on in retirement. Its not overly complicated but it helps move you past rough estimates and closer to real numbers you can plan around. Once you understand your living expenses the" [YouTube Link](https://youtube.com/watch?v=b10PWsbGCNo) 2025-12-23T12:15Z 60.1K followers, [----] engagements "5 Reason Not To Buy An Annuity https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Annuities may not be for everyone. Here are [--] reasons not to buy an annuity. Part of a series on annuities check out the other videos on our playlist here https://www.youtube.com/watchv=HHxvfj2ys0A&list=PLzVrW_qbznocIOROxfak8BnO70Tu6medz Thank you for watching Please subscribe to our channel if you like the content. Ready to start building your plan 👉 Check out the Retirement Time Machine:" [YouTube Link](https://youtube.com/watch?v=bD2jlTxT4EM) 2017-05-08T10:57Z 60.1K followers, 85.5K engagements "The Hidden Medicare Cost of Roth Conversions The Hidden Medicare Cost of Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the unexpected things that can show up when youre doing Roth conversions is higher Medicare costs. If youre [--] or older and on Medicare theres a base premium but once your income crosses certain thresholds those premiums can increase quickly. In some cases Medicare costs can double or even more than triple as you move into higher tiers." [YouTube Link](https://youtube.com/watch?v=bSbGePtQFn8) 2026-01-14T12:17Z 60.1K followers, [---] engagements "How to Plan for Retirement in Your 50's How to Plan for Retirement in Your 50's https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Planning for retirement in your 50s can feel overwhelming especially if youre juggling your highest earning years and your highest expenses. In this video I walk you through the exact steps to understand your cash flow map out your retirement timeline and determine whether youre truly on track for retirement at [--] [--] [--] or beyond. Well break down your" [YouTube Link](https://youtube.com/watch?v=bXzEPgKIfeo) 2025-12-10T22:30Z 60.1K followers, [---] engagements "The [--] Phases of Retirement Taxes That Everyone Should Know The [--] Phases of Retirement Taxes That Everyone Should Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how to lower your lifetime tax bill In this short I show you the one question that drives smart tax planning: whats my tax rate today vs. what will it be later Then I break down the four phases of your tax roadmap so you can time strategies the right way. ✅ Working Years ✅ Early Retirement (pre-Social" [YouTube Link](https://youtube.com/watch?v=dRIcTglTJtI) 2025-12-03T22:00Z 60.1K followers, [---] engagements "The Secret $81250 401k Contribution Limit in [----] The Secret $81250 401k Contribution Limit in [----] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For [----] the 401k contribution limit is $23500 if youre under [--]. At age 50+ you can add a $7500 catch up and for ages [----] theres a new super catch-up of $3750 bringing your total to $34750. But heres what most people dont realize: the IRS total contribution limits (including employer match and after-tax contributions) go as high as" [YouTube Link](https://youtube.com/watch?v=dqaI2f-QVo4) 2025-10-08T15:01Z 60.1K followers, [----] engagements "Are You on Track to Hit $2 Million by Retirement Are You on Track to Hit $2 Million by Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Before you retire one of the fastest ways to see whether you're on track is to project your current retirement assets forward to your full retirement age usually [--] for most people in their 50's. Based on what youve already saved plus what youll contribute over the next [----] years will that get you to $2 million with a reasonable rate of" [YouTube Link](https://youtube.com/watch?v=dtbe8x7Tm7I) 2025-12-15T05:01Z 60.1K followers, [----] engagements "Why Cash Flow Matters in Retirement Why Cash Flow Matters in Retirement How to Identify Your Retirement Cash Flow Gap https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For most people in retirement the money coming in isnt enough to cover all of their expenses. Thats why its so important to understand your cash flow especially once you start taking withdrawals from your retirement accounts. Cash flow is simply money coming in vs. money going out. You might have income from Social" [YouTube Link](https://youtube.com/watch?v=dunUpdD0BZQ) 2026-01-07T12:15Z 60.1K followers, [---] engagements "Why Social Security and Medicare Decisions are Crucial in Your Retirement Why Social Security and Medicare Decisions are Crucial in Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As you get closer to retirement a lot of important decisions start stacking up. You may be thinking about when to collect Social Security and how to coordinate those benefits with your spouse. You might also be looking at healthcare decisions Medicare whether you need a supplement plan or" [YouTube Link](https://youtube.com/watch?v=e2QmR94CrF8) 2026-01-04T12:15Z 60.1K followers, [---] engagements "Marginal vs. Effective Tax Rate Explained Simply Marginal vs. Effective Tax Rate Explained Simply https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When you look at $260000 of income that puts someone in the 24% tax bracket. But that doesnt mean all of their income is taxed at 24%. This is where the difference between marginal tax rate and effective tax rate really matters. Your marginal tax rate is the rate you pay on the last dollar of income but your effective tax rate is a blended" [YouTube Link](https://youtube.com/watch?v=eK5SuMUxC9g) 2025-12-31T12:45Z 60.1K followers, [----] engagements "How Does Cash Flow fit Into Your Retirement Plan How Does Cash Flow fit Into Your Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Planning for retirement isnt just about investments Social Security tax brackets or choosing the right Medicare plan it all comes together through cash flow. In todays episode we break down why cash flow sits at the center of your entire retirement plan and how it affects every other part of your financial life. Whether you're wondering" [YouTube Link](https://youtube.com/watch?v=g1QgMOAo2Pw) 2025-11-29T12:15Z 60.1K followers, [---] engagements "Can Your Spouses Social Security Affect Yours Heres How It Really Works Can Your Spouses Social Security Affect Yours Heres How It Really Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you and your spouse are getting close to retirement its important to understand how Social Security benefits interact. In this short I break down a common scenario where one spouse claims early and the other waits until full retirement age and how that decision affects each persons monthly" [YouTube Link](https://youtube.com/watch?v=i-4mgpdXoTM) 2025-10-22T11:01Z 60.2K followers, [----] engagements "How Different Retirement Accounts Are Taxed in Retirement How Different Retirement Accounts Are Taxed in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you're like most people the bulk of your savings is sitting in traditional retirement accounts and every time you take a distribution from those accounts its taxed as ordinary income. Thats very different from how some non-retirement accounts are taxed. In many cases withdrawals from taxable investment accounts mean" [YouTube Link](https://youtube.com/watch?v=i2SxPChXAT8) 2026-01-08T12:15Z 60.1K followers, [---] engagements "Why Cash Flow Is the Lifeblood of Retirement Why Cash Flow Is the Lifeblood of Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you think about any successful business the lifeblood of that business is cash flow. Its money coming in and money going out. You can have a lot of assets but if you dont have the right cash flow to pay the bills when they come due that business wont survive. Retirement works the same way. Cash flow is what you actually spend and use to enjoy" [YouTube Link](https://youtube.com/watch?v=iEjmPyz6Qxs) 2026-01-05T12:15Z 60.1K followers, [---] engagements "Why Cash Flow Is the Key to Your Retirement Plan Why Cash Flow Is the Key to Your Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Understanding your cash flow is the single most important part of any retirement plan. Its also the number one thing our clients tell us gives them the most confidence and clarity about their retirement. In this video I walk through how a cash flow based retirement plan actually works and why it sits at the center of everything else" [YouTube Link](https://youtube.com/watch?v=lRQE0OFFU58) 2026-01-08T18:55Z 60.1K followers, [---] engagements "Bonds vs. Annuity: Creating your Retirement Income Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video Im comparing traditional fixed income investmentslike bonds and CDsagainst annuities with guaranteed lifetime income. If you're building out your retirement income strategy this is a must-watch. Well run the numbers and explore how annuities stack up against todays interest rates. Ready to start building your plan 👉 Check out the Retirement Time Machine:" [YouTube Link](https://youtube.com/watch?v=m1MwnUWf1kM) 2025-06-12T23:19Z 60.1K followers, [----] engagements "7 Things You Must Know to Build Your Retirement Tax Strategy [--] Things You Must Know to Build Your Retirement Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A great retirement plan isnt just about saving its about understanding how taxes will evolve as your life changes. In this short I break down [--] key components every retiree should consider when building a smart tax strategy: ✅ Contributions to each tax bucket ✅ Growth rate assumptions ✅ Retirement expenses &" [YouTube Link](https://youtube.com/watch?v=mLLzfkL5v-A) 2025-11-20T12:21Z 60.1K followers, [---] engagements "The New Super Catch Up Contribution for Ages [--] to [--] The New Super Catch Up Contribution for Ages [--] to [--] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Starting in [----] and continuing into [----] theres a new rule called the super catch up contribution. It applies for a very specific [--] year window. If you're age [--] [--] [--] or [--] by the end of the tax year you can make a larger catch up contribution. Rather than the standard $7500 catch up eligible individuals can contribute $11250." [YouTube Link](https://youtube.com/watch?v=me_w_eNvAi8) 2026-01-12T12:15Z 60.1K followers, [----] engagements "The Hidden Tax Strategy Behind Delaying Social Security The Hidden Tax Strategy Behind Delaying Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Delaying your Social Security benefit can do more than just increase your monthly check it can also open up valuable low-tax years for strategic Roth conversions. In this short I explain why waiting to claim your benefit can: ✅ Boost your lifetime Social Security income ✅ Extend your Roth conversion window ✅ Help you optimize" [YouTube Link](https://youtube.com/watch?v=mlHTUL-iIoI) 2025-11-19T12:21Z 60.1K followers, [----] engagements "Free Retirement Resources to Help You Get Organized for Retirement Planning Free Retirement Resources to Help You Get Organized for Retirement Planning 🎁 Download our FREE Retirement Launch Kit Get organized dont miss anything important and simplify your retirement plan with three powerful tools. 👉 https://retirementlaunchkit.com If youre planning for retirement and trying to get more organized we have several free resources that can help you start putting the pieces together. One of those is our Retirement Launchpad which is designed to help you build a clear budget take inventory of your" [YouTube Link](https://youtube.com/watch?v=mo1W56aft60) 2025-12-25T12:15Z 60.1K followers, [----] engagements "Myths vs. Reality About Social Security Spousal Benefits Myths vs. Reality About Social Security Spousal Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Spousal benefits are one of the most misunderstood parts of Social Security. I see people get tripped up on this topic all the time and its easy to see why. In this video Ill clear up some of the biggest myths and misconceptions around how spousal benefits actually work for married couples. 💡 Heres what Ill cover: ✅ When" [YouTube Link](https://youtube.com/watch?v=nehX_x7UDko) 2025-10-26T20:30Z 60.2K followers, [----] engagements "What To Do With Your 401k 403b or [---] when you retire or change jobs. Get your Free Retirement Guide Here: http://lethemonfinancial.com/freeretirementguide What To Do With Your 401k 403b or [---] when you retire or change jobs. In this video I'm going go over your options on what to do with your 401k 403b [---] or other qualified retirement plan when you retire or change jobs. If you're retired or separated service from your company and have a qualified retirement plan you basically have [--] options as to what you can do with it. Do Nothing. Most 401k's and other qualified retirement plans don't" [YouTube Link](https://youtube.com/watch?v=nkHYKI-SrvA) 2013-03-05T15:20Z 60.2K followers, 28.2K engagements "2026 401K Changes Explained: New Limits Super Catch Up and the New Roth Rule [----] 401K Changes Explained: New Limits Super Catch Up and the New Roth Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre contributing to a 401K [----] brings some important changes you need to understand before you set your strategy. In this video I break down the new [----] 401K contribution limits how the super catch up works and a brand new rule that directly impacts high wage earners. Well walk" [YouTube Link](https://youtube.com/watch?v=oIn1BAnD16Y) 2025-12-27T12:15Z 60.1K followers, [----] engagements "New [----] High Wage Earner Rule Explained New [----] High Wage Earner Rule Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Starting in [----] theres a brand new rule that affects high wage earners and how certain catch up contributions are treated for tax purposes. If your W-2 wages are over $145000 any catch up contributions including the standard catch up and the super catch up must go into a Roth. That means those contributions are no longer deductible. You can still make" [YouTube Link](https://youtube.com/watch?v=oQLcz5ehTcE) 2026-01-06T12:15Z 60.1K followers, [----] engagements "Why Early Retirement Withdrawals can be Higher Than you Expect Why Early Retirement Withdrawals can be Higher Than you Expect https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One important retirement planning concept is separating retirement into two different phases. The first is what retirement looks like at full retirement age when income and expenses normalize and all predictable income sources are in place. If you retire early especially before age [--] or before Social Security" [YouTube Link](https://youtube.com/watch?v=pAN322KLRaQ) 2026-01-02T12:15Z 60.1K followers, [----] engagements "7 Steps if You're Planning on Doing a Roth Conversion [--] Steps if You're Planning on Doing a Roth Conversion https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through the [--] key steps you should take before during and after your Roth conversion. 💡 Heres what youll learn: ✅ How to decide how much to convert and which tax bracket to target ⚡ How to estimate the taxes youll owe on the conversion 💵 The best way to pay your Roth conversion tax bill ➡ Why you dont need" [YouTube Link](https://youtube.com/watch?v=pYUs_846s4w) 2025-11-16T12:39Z 60.1K followers, [----] engagements "What Is a Social Security Survivor Benefit Heres How It Works What Is a Social Security Survivor Benefit Heres How It Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money What happens to your Social Security benefits if your spouse passes away In this short I break down how survivor benefits work and what you can expect if youre the surviving spouse. 💡 Heres what youll learn: ✅ The basic rules for Social Security survivor benefits 📅 Why the higher earners benefit often becomes" [YouTube Link](https://youtube.com/watch?v=pvsJD2Ylu5s) 2025-11-02T21:52Z 60.1K followers, [----] engagements "What's the Maximum Amount You Can Put Into a 401K What's the Maximum Amount You Can Put Into a 401K https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The IRS sets an overall contribution limit for employer sponsored retirement plans and its higher than most people realize. For [----] that total limit is $76500 if youre under [--] $84000 if youre [--] or older and $87750 if you fall into the super catch up age range. If your employer sponsored plan allows after tax contributions you may be" [YouTube Link](https://youtube.com/watch?v=q-ubzO2EX-w) 2026-01-13T12:16Z 60.1K followers, [---] engagements "The True Cost of ACA Health Insurance Before Medicare The True Cost of ACA Health Insurance Before Medicare https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In [----] the average Affordable Care Act (ACA) silver plan for a [--] year old costs about $1072 a month thats $12864 a year. For a couple that doubles to $25728 and over five years until Medicare eligibility the total is a staggering $128640. Heres what that really means for retirement planning. If youd like to watch the full video" [YouTube Link](https://youtube.com/watch?v=q0hDAuH6eJg) 2025-10-24T21:32Z 60.2K followers, [----] engagements "How ACA Subsidies Can Save Couples Over $90k How ACA Subsidies Can Save Couples Over $90k https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In [----] the average ACA silver plan costs a [--] year old $12864 a year. But with subsidies that drops to just $3512 a savings of $9352 annually. For a married couple costs fall from $25728 to only $7024 saving $18704 every year. Over [--] years until Medicare thats more than $93000 in savings heres how it works. If youd like to watch the full video" [YouTube Link](https://youtube.com/watch?v=qQ-DEf1wv-s) 2025-10-02T11:30Z 60.1K followers, [----] engagements "How to Determine If You Can Retire Early (and How to Soon) How to Determine If You Can Retire Early (and How to Soon) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much do you really need saved to retire early and how do you know if youre actually on track In this video I walk through a step by step framework you can use to estimate how much money you need to retire early and how to test whether your current savings contributions and growth are enough to support that goal." [YouTube Link](https://youtube.com/watch?v=r9rB4xKYDng) 2026-01-17T12:15Z 60.1K followers, [---] engagements "How Big Could Your Required Minimum Distributions be How Big Could Your Required Minimum Distributions be https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre saving for retirement your future Required Minimum Distributions (RMDs) could surprise you. In this short I break down how to estimate your future RMDs based on: 📈 How much youre contributing 💰 Your account growth over time 🧾 The IRS withdrawal rules For high savers these withdrawals can balloon to hundreds of thousands" [YouTube Link](https://youtube.com/watch?v=rE-h6ilC0_Y) 2025-11-14T12:18Z 60.1K followers, [---] engagements "How a Cash Flow Based Retirement Plan Helps Control Taxes How a Cash Flow Based Retirement Plan Helps Control Taxes https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The reason a cash flow based financial plan is so important is because it allows you to get into the details and actually map things out. Its not just about what you own its about coordinating income expenses and withdrawals in a way that can be optimized from a tax standpoint. When you understand your cash flow you can" [YouTube Link](https://youtube.com/watch?v=rQd0L5W0Ol8) 2025-12-30T12:31Z 60.1K followers, [---] engagements "What Is PIA Understanding Your Primary Insurance Amount What Is PIA Understanding Your Primary Insurance Amount https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youve ever looked at your Social Security statement and wondered how they calculate your benefit it all starts with something called PIA your Primary Insurance Amount. In this short Ill explain what that means and why its such an important number in your retirement planning. 💡 Heres what youll learn: ✅ What PIA stands for" [YouTube Link](https://youtube.com/watch?v=rUyorRFWBGE) 2025-10-29T11:15Z 60.2K followers, [----] engagements "Roth IRA 5-Year Rule Simplified When You Can Access Your Money Tax-Free Roth IRA 5-Year Rule Simplified When You Can Access Your Money Tax-Free https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering when you can withdraw money from your Roth IRA tax-free In this video Ill walk you through the Roth IRA five-year rulesand explain how they apply to your contributions conversions and earnings. Ill also break down exactly what needs to happen for a distribution to be considered" [YouTube Link](https://youtube.com/watch?v=rZja3JG3Ib4) 2025-10-18T11:15Z 60.2K followers, [---] engagements "How To Pay The Taxes On Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Have you ever been confused on how taxes work for Roth Conversions In this video learn how taxes are payed on Roth Conversions Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Ready to start building your plan 👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com Want more retirement planning insights 🏠 Visit our" [YouTube Link](https://youtube.com/watch?v=s1nFhQx1C8M) 2023-01-28T12:00Z 60.1K followers, 162.5K engagements "Where Should You Really Keep Your Growth Investments Where Should You Really Keep Your Growth Investments https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know where you hold your investments can be just as important as what you invest in In this short I explain how to align your asset allocation across your non-retirement traditional and Roth accounts for smarter tax efficiency: 💡 Growth investments Roth 💡 Conservative bonds Traditional 💡 Preference-rate assets" [YouTube Link](https://youtube.com/watch?v=sR_MIq4QXrU) 2025-11-13T12:17Z 60.1K followers, [----] engagements "How Required Minimum Distributions Can Push You Into a Higher Tax Bracket How Required Minimum Distributions Can Push You Into a Higher Tax Bracket https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Another thing that can happen in retirement is something most people dont even realize theyre walking into. If youre not taking advantage of lower tax brackets along the way or youre not spending certain accounts down strategically your accounts can grow so fast that Required Minimum" [YouTube Link](https://youtube.com/watch?v=tAdQ3gbv2z0) 2026-01-09T12:15Z 60.1K followers, [---] engagements "No Tax on Social Security Benefits No Tax on Social Security Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money You may have heard the promise of no tax on Social Security benefits. That didnt quite happen but retirees did get something valuable in its place. In this video Ill explain exactly what changed what the Senior Bonus Deduction is who qualifies for it and how it creates new planning opportunities for retirees between [----] and [----]. 💡 Heres what youll learn: ✅ Why" [YouTube Link](https://youtube.com/watch?v=tAlJ-wykf78) 2025-11-22T12:15Z 60.1K followers, [----] engagements "Retirement Tax Plan-Roth Conversions RMDs & Cash Flow Strategy Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Taxes could end up being one of your biggest retirement expenses. And unlike other expenses taxes dont go away they are with you for the rest of your life. In this video Im diving into another retirement case study to show you how to build a smarter withdrawal strategy and create a long-term tax plan that could help you keep more of your money. Heres what Ill walk" [YouTube Link](https://youtube.com/watch?v=ttk1Y1C3o-k) 2025-10-04T10:30Z 60.2K followers, [----] engagements "The Tax Arbitrage Strategy Behind Roth Conversions The Tax Arbitrage Strategy Behind Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we talk about Roth conversions what were really trying to understand is a tax arbitrage situation. If you believe your tax rate today is lower than what it may be in the future then it makes sense to at least consider doing a Roth conversion. But as you start planning out those conversions and coordinating income there are some" [YouTube Link](https://youtube.com/watch?v=uOAzyLkuMts) 2026-01-21T12:23Z 60.1K followers, [---] engagements "Social Security Spousal Benefits Explained: What Married Couples Need to Know Social Security Spousal Benefits Explained: What Married Couples Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how Social Security spousal benefits workand whether your spouse can receive more based on your record In this video Ill walk you through a simple hypothetical example (Mark at $3000 PIA and Kathy at $1000) to show: ➡ When a spousal benefit applies ➡ How timing affects" [YouTube Link](https://youtube.com/watch?v=vHB9Xa4chrc) 2025-10-16T22:01Z 60.2K followers, [---] engagements "This Hidden Medicare IRMAA Stealth Tax Can Raise Your Premiums How Does the Hidden Medicare IRMAA Stealth Tax Raise Your Premiums https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering why your Medicare premiums are higher than expected In this video Ill break down everything you need to know about Medicare IRMAA the income related monthly adjustment amount that can dramatically increase your Medicare Part B and D premiums if your income crosses certain thresholds. Well cover: ✅" [YouTube Link](https://youtube.com/watch?v=vfwxIMEdgGg) 2025-10-25T11:15Z 60.2K followers, [---] engagements "How to Pay 0% Capital Gains Tax in Retirement How to Pay 0% Capital Gains Tax in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know you can sell highly appreciated investments and pay zero in capital gains tax In this short I break down the two types of income that come from your non-retirement (taxable) accounts: ✅ Ordinary Income: interest and short-term gains taxed at your top rate ✅ Tax Preference Income: qualified dividends and long-term capital gains taxed" [YouTube Link](https://youtube.com/watch?v=vkystHU-UL0) 2025-11-11T12:15Z 60.1K followers, [----] engagements "Should I buy Group Life insurance Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement" [YouTube Link](https://youtube.com/watch?v=w27DrjOCenQ) 2014-08-05T04:03Z 60.1K followers, [----] engagements "The Tax That Hits Upper Tax Brackets During Roth Conversions The Tax That Hits Upper Tax Brackets During Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This next issue mainly affects people who are targeting higher tax brackets while doing Roth conversions and its the net investment income tax. This tax was created as part of the Affordable Care Act and applies an extra 3.8% to certain types of investment income once you cross higher income thresholds. This tax" [YouTube Link](https://youtube.com/watch?v=yuuYBAzSeNQ) 2026-01-19T12:21Z 60.1K followers, [----] engagements "How the New Senior Bonus Deduction Works How the New Senior Bonus Deduction Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A new senior bonus deduction was introduced as part of the One Big Beautiful Bill Act and it applies to people who are age [--] or older between [----] and [----]. T his deduction can be worth up to $6000 per qualifying person. What makes this especially valuable is that it sits on top of your standard deduction or your itemized deductions. You dont have to" [YouTube Link](https://youtube.com/watch?v=zc22ygaiO9g) 2026-01-18T12:20Z 60.1K followers, [----] engagements "Why Your Social Security Analysis May be Wrong https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money 📌 Your Social Security Timing Strategy Might Be Wrong When should you take Social Security age [--] [--] or [--] Most people use simple breakeven math to answer that question. But that approach leaves out some critical factors that could impact your entire retirement income strategy. In this video I walk through a real case study using our eMoney planning software to show why your Social" [YouTube Link](https://youtube.com/watch?v=-hDmpLurHrE) 2025-09-04T23:00Z 60.2K followers, [---] engagements "How Much To Contribute To A 401K #how much to contribute to 401k #retirement planning #401k investing Planning for Retirement How much you should contribute to a 401k plan Is the 401k your best option In this video. ** How much money you should be saving for retirement ** Contribution limits for retirement accounts ** Roth vs. Traditional ** Which Retirement Account to save money Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial" [YouTube Link](https://youtube.com/watch?v=02we_jG3Xfc) 2019-09-03T23:30Z 60.2K followers, 14.8K engagements "3 Things Before Cashing Out an Annuity Thinking about cashing out of an annuity Before you do there are [--] critical things you must knowespecially #3 which could trigger a huge unexpected tax bill. In this video Ill break down surrender penalties hidden annuity benefits and the right way to avoid costly tax mistakes when exiting your annuity. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and" [YouTube Link](https://youtube.com/watch?v=1gIyz0Tbenw) 2025-06-25T21:00Z 60.2K followers, [---] engagements "Retirement Planning Made Simple: Inside the eMoney Client Portal How to Organize Your Retirement Plan: eMoney Monday Episode [--] In this video were kicking off a new series called E-Money Mondays where we walk through the financial planning software we use with clients. Youll see how our client portal helps organize your entire retirement plantrack your net worth manage expenses and clearly see how much income youll need each year. If retirement feels overwhelming this is how you bring it all together. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational" [YouTube Link](https://youtube.com/watch?v=2k-Dgau6AqA) 2025-05-05T22:00Z 60.1K followers, [---] engagements "Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The final step is to actually build out your retirement cash flow plan. By this point youve mapped out your income and expenses tested your plan for confidence and identified your tax optimization opportunities. Now its time to bring it all together into a clear actionable roadmap. Understanding where your income will" [YouTube Link](https://youtube.com/watch?v=5xn0ZUVh62k) 2025-10-14T14:15Z 60.2K followers, [----] engagements "What to Do With Your Lump-Sum Pension Buyout Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement Have you recently received a lump sum pension offer Being located in the automotive capital of the world we are at ground zero for a trend that is quickly catching on throughout corporate America. The lump sum pension buyout. According to a recent report from H.S. Dent Publishing Since [----] the number of Fortune [---] companies that offer pensions to new employees has dropped by half. The fact is" [YouTube Link](https://youtube.com/watch?v=6Rb8a90A1Aw) 2013-05-07T13:50Z 60.2K followers, 21.3K engagements "Retirement Withdrawal Strategy Are you planning to retire or already in retirement Do you have a strategy for how you plan to take withdrawals from your retirement assets In this video I help you develop a retirement withdrawal strategy. Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the" [YouTube Link](https://youtube.com/watch?v=6ZkdhMzNZTs) 2019-12-21T13:08Z 60.2K followers, 809.3K engagements "Reitrement Mistakes People In Their 40's Sometimes Make Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel." [YouTube Link](https://youtube.com/watch?v=6gfbuRsgweM) 2017-06-27T12:04Z 60.1K followers, [----] engagements "How to Save RMD Taxes with Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you have a lot of money in traditional retirement accounts Required Minimum Distributions (RMDs) could push you into a much higher tax bracket later in retirement. In this video I'm using the eMoney software inside our Retirement Time Machine program to show just how big these Required Minimum Distribution can get and the potential taxes. I'll show you. ✅ How to forecast RMDs using real" [YouTube Link](https://youtube.com/watch?v=6lzZ9oMDYgk) 2025-09-03T18:24Z 60.2K followers, [---] engagements "Retirement Planning Made Simple: How To Create Your Plan For Retirement https://moneyevolution.com/services/retirement-time-machine/ Check out RetirementTimeMachine.com Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial" [YouTube Link](https://youtube.com/watch?v=7CTFWa1_47w) 2025-08-30T11:00Z 60.2K followers, [---] engagements "Lump Sum Buyout vs Monthly Pension One of the biggest retirement planning decisions you will ever make is whether or not to take a lump-sum pension buyout or keep your regular monthly pension checks. General Motors Ford Motor Verizon AT&T General Electric just to name a few have all offered pension buyouts to their retirees. In this video I break it all down to share with you some of the key points to consider when making this decision. Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to" [YouTube Link](https://youtube.com/watch?v=7IXi9JkbCe0) 2020-01-25T13:03Z 60.2K followers, 113.2K engagements "Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The first step and arguably the most important is understanding all the moving pieces in your retirement plan. You need to know what income is coming in when it starts and how your expenses will change over time. Maybe you retire early while your spouse keeps working or you have a gap before Social Security or a pension" [YouTube Link](https://youtube.com/watch?v=8JJRLHE7_IM) 2025-10-08T12:00Z 60.2K followers, [---] engagements "Retirement Planning Made Simple: Inside the eMoney Client Portal How to Organize Your Retirement Plan: eMoney Monday Episode [--] In this video were kicking off a new series called eMoney Monday where we walk through the financial planning software we use with clients. Youll see how our client portal helps organize your entire retirement plantrack your net worth manage expenses and clearly see how much income youll need each year. If retirement feels overwhelming this is how you bring it all together. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational" [YouTube Link](https://youtube.com/watch?v=8Tnb4tIAvYI) 2025-05-05T22:00Z 60.1K followers, [---] engagements "4 Things About Long Term Capital Gains #investing #stockmarket Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course" [YouTube Link](https://youtube.com/watch?v=AbcQZ9B8RaM) 2025-06-16T20:00Z 60.2K followers, [---] engagements "How to Build a Retirement Cash Flow Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money 📊 How to Map Out Your Retirement Cash Flow (Step-by-Step Using eMoney) Planning for retirement One of the most important steps is mapping out your retirement cash flow whats coming in whats going out and when it all happens. Lets talk about your retirement cash flow where your income will come from what your expenses will look like and how it all fits together to create a sustainable withdrawal" [YouTube Link](https://youtube.com/watch?v=BmmGq8u3VjA) 2025-09-08T18:06Z 60.2K followers, [---] engagements "Employee Stock Purchase Plans Do you have an Employee Stock Purchase Plan If yes do you participate in it An Employee Stock Purchase Plan can be a great way to save and there may be great benefits to participate. In this video I break it all down Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel 2." [YouTube Link](https://youtube.com/watch?v=ByOftywgtIs) 2020-11-28T13:00Z 60.2K followers, 27.5K engagements "The Mega Backdoor Roth Strategy High Earners Need to Know The Mega Backdoor Roth Strategy High Earners Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know you can put $37500 more into a Roth account in [----] even if youre over the income limits This strategy called the Mega Backdoor Roth uses after tax 401k contributions that can be rolled into a Roth IRA or Roth 401k. Heres how it works why employers are starting to automate it and how it could supercharge your" [YouTube Link](https://youtube.com/watch?v=CDlicD9Ei04) 2025-09-23T15:15Z 60.2K followers, [----] engagements "Increased State And Local Tax (SALT) Deductions Explained The One Big Beautiful Bill Act raises the cap on state and local tax (SALT) deductions from $10000 to $40000 a huge increase that could change whether it makes sense to itemize your deductions. In this video I break down who might benefit most how this impacts the standard vs. itemized deduction decision and why the real tax savings may not be as simple as it sounds. If you live in a high-tax state this could be a big deal for your [----] return. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our" [YouTube Link](https://youtube.com/watch?v=CzU_948NmZI) 2025-07-26T11:00Z 60.2K followers, [---] engagements "Is an Annuity Like a Pension Heres the Truth Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement" [YouTube Link](https://youtube.com/watch?v=DePRAAjjOTU) 2025-07-15T21:30Z 60.2K followers, [---] engagements "How to Build your Retirement Withdrawal Strategy In todays video Im walking you through how to build a retirement withdrawal strategystep-by-step. Ill share a hypothetical client case study that shows exactly how we help people transition from saving and accumulating money to withdrawing money in retirement. I break it down using a 2-phase approach: 📌 Phase 1: How to fund the early years of retirement (before Social Security starts) 📌 Phase 2: How to make your money last once your income stabilizes Youll learn how the bucket strategy works why the 4% rule matters and how to reduce portfolio" [YouTube Link](https://youtube.com/watch?v=E14Glx1gbxY) 2025-05-17T11:00Z 60.2K followers, [----] engagements "The Social Security Spousal Benefit Mistake That Could Cost You Thousands If you're entitled to Social Security spousal benefits there's one important step you cant afford to miss and the government wont remind you. In this video Ill break down how spousal benefits work when you need to apply and a critical mistake that could cost you thousands of dollars in lost benefits. Ill also explain how ex-spousal benefits work if you were previously married. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel" [YouTube Link](https://youtube.com/watch?v=EP9tx4_uHTY) 2025-07-01T20:00Z 60.2K followers, [---] engagements "What Are The Different Types Of Annuities (2019) #Annuity #Retirement #Retirement Income If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your retirement or maybe you already own one. There is a lot of information out there about annuities and a lot of different opinions about them. In this video you will learn. **** The [--] Types of Annuities **** Immediate Annuities and Deferred Income Annuities **** Fixed Annuities **** Fixed Index Annuities **** Variable Annuities **** The pros and cons of each type of" [YouTube Link](https://youtube.com/watch?v=EyNoXCPETIk) 2019-03-15T12:00Z 60.2K followers, 52.9K engagements "ACA Subsidy Rules for [----] Explained ACA Subsidy Rules for [----] Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The Affordable Care Act (ACA) subsidies are still expanded for [----] but that ends next year. Heres a quick [--] second breakdown of who qualifies how the federal poverty level works and why [----] will bring back the subsidy cliff. Perfect for anyone getting health insurance through the Marketplace. If you would like to watch the full video click here 👇" [YouTube Link](https://youtube.com/watch?v=FQTF3y0cjBA) 2025-09-29T14:52Z 60.2K followers, [----] engagements "What is the New 401k Super Contribution Rule What is the New 401k Super Contribution Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Big changes for 401k contributions in [----] If youre under [--] you can now put in $23500 and if youre 50+ you get the $7500 catch up. But heres the big news: a brand-new super contribution rule lets ages 60-63 contribute even more. Heres the full breakdown in under [--] seconds so you dont miss out. If you would like to watch the full video click here" [YouTube Link](https://youtube.com/watch?v=GCILKuig1zI) 2025-09-22T21:30Z 60.2K followers, [----] engagements "Rollover 401k to a Roth IRA Money Evolution [----] Should I roll over my 401k to a Roth In this video Bill talks 401k Roth Conversions and questions you should ask yourself when weighing your options such as: If I convert to Roth do I have the money to pay taxes outside my 401k What is my tax bracket today vs. What do I think it will it be in the future How am I going to pay the taxes -------------------------------------------------------------------------------------------------------- Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos" [YouTube Link](https://youtube.com/watch?v=GQquPFcsfkg) 2024-08-24T11:00Z 60.1K followers, [----] engagements "Hidden Estate Tax Benefits in the Beautiful Bill Act Hidden Estate Tax Benefits in the Beautiful Bill Act The federal estate tax exemption is changing again and the numbers for [----] are significant. In this video I break down the latest updates including the $13.99 million exemption per individual for [----]. Well take a quick look at how this number has changed over the yearsgoing all the way back to pre-TCJAand what it means for high-net-worth estate planning today. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel" [YouTube Link](https://youtube.com/watch?v=GZpiqEnzOII) 2025-08-13T21:00Z 60.1K followers, [---] engagements "No Tax On Tips: Big Tax Break for Tipped Workers A new tax rule in the One Big Beautiful Bill Act could be a big win for tipped workers. If you earn tips as a server bartender Uber driver or in any tipped job you may be able to exclude up to $25000 of that income from your federal taxes starting in [----]. In this video I explain who qualifies how the limits work if you're married and why it doesnt matter if tips come in cash or by credit card. Ill also clear up a few common misconceptions and explain how this could help reduce your tax bill. Here's A Few Ways We Might Be Able To Help: [--]. Watch" [YouTube Link](https://youtube.com/watch?v=GfR3LZMlMQY) 2025-08-05T21:00Z 60.2K followers, [---] engagements "What Is A Fiduciary In this video I take on one of the hottest topics in the financial industry. What is a Fiduciary I believe the goal here is to eliminate conflicts of interest. but what are some of those conflicts of interest What questions should you be asking before you hire a financial advisor Remember the most important thing to consider when hiring a financial advisor is that you like and trust them. Do they have knowledge and expertise in your goals and unique situation Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem" [YouTube Link](https://youtube.com/watch?v=H5AxcJ-Za2U) 2018-11-08T14:31Z 60.1K followers, 17K engagements "6 Biggest Annuity Mistakes Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement Time" [YouTube Link](https://youtube.com/watch?v=HHxvfj2ys0A) 2023-10-23T19:29Z 58.9K followers, 43.1K engagements "Index Annuities Explained Are you thinking of buying an annuity Maybe you already own one. Either way you will find the information discussed in this video helpful to you in making a decision or understanding how index annuities work. Indexed annuities are just one type of annuity and as with any investment be sure to do your own homework and ask lots of questions before making a purchase. Here's a link to my playlist all about annuities. https://www.youtube.com/playlistlist=PLzVrW_qbznofFpzuRtRM5YfztM2rCMTNo Enjoy the video Thank you for watching Please subscribe to our channel if you like" [YouTube Link](https://youtube.com/watch?v=HI0de4fm4j0) 2023-10-24T11:07Z 58.9K followers, 34.7K engagements "How are Taxes Different in Retirement vs. While Working https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money While working taxes were simple: earn money pay taxes and maybe deduct contributions to traditional retirement accounts. In retirement it gets more complicated: withdrawals Social Security and required distributions can change your tax picture sometimes dramatically. Learn why understanding this is crucial for your financial planning #RetirementPlanning #Taxes #FinancialTips" [YouTube Link](https://youtube.com/watch?v=Hxh9_ZUuKXA) 2025-09-17T22:04Z 60.2K followers, [----] engagements "What Is a Fixed Indexed Annuity Full Breakdown + How It Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Can a fixed indexed annuity help you generate reliable retirement income In this video we break down how a $500000 annuity today can create an income stream equivalent to what would otherwise require over $1 million just a few years from now using the principles behind the 4% rule and compound growth. We walk through a detailed hypothetical example that shows how a fixed" [YouTube Link](https://youtube.com/watch?v=IUrSe_IqtHw) 2025-09-13T11:15Z 60.2K followers, [---] engagements "How to get more Money into your Roth IRA through Asset Shifting Strategies https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you making the most of your retirement savings opportunities In this video I walk through a hypothetical example of how to take advantage of advanced contribution strategies and new retirement rules to help optimize your financial future all using powerful financial planning software. You'll learn: ✅ How much you can really contribute to your 401(k)" [YouTube Link](https://youtube.com/watch?v=IvZFbKw96tc) 2025-09-20T10:15Z 60.2K followers, [----] engagements "What Is An Annuity When you hear the word annuity what do you think of Is it good or bad Heres a very simple explanation. Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates" [YouTube Link](https://youtube.com/watch?v=JkgBbZRiE3g) 2017-05-18T12:42Z 60.1K followers, 53.8K engagements "Is Your Retirement on Track Simple 3-Step Process In this video youll learn a simple 3-step process to determine whether your retirement plan is on track. Well walk through how to estimate your expenses calculate how much youll need to retire at different ages and build a withdrawal strategy that can help your money last. Whether you're planning to retire at [--] [--] or somewhere in between this framework will give you clarity and direction. Be sure to grab our free guides linked below to help organize your own plan. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our" [YouTube Link](https://youtube.com/watch?v=K5ve2zq0hpE) 2025-05-03T12:00Z 60.1K followers, [---] engagements "How Investment Income Is Taxed Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine" [YouTube Link](https://youtube.com/watch?v=L3A0JY8bXZk) 2025-04-19T12:00Z 60.1K followers, [---] engagements "What's the Right Tax Rate to Use in Your Retirement Plan Projections In this video youll learn how to choose the right tax rate to use when projecting your retirement plan. Well break down the key difference between your marginal tax bracket and your effective tax rate and explain why using the wrong one could throw off your entire retirement forecast. Youll also see how we model future tax scenarios using professional financial planning software including the impact of things like Social Security RMDs and Roth conversions. If you're planning for retirement and want more accurate tax" [YouTube Link](https://youtube.com/watch?v=Mt8GL6fljc8) 2025-05-12T22:00Z 60.2K followers, [---] engagements "How Much Money Do You Really Need To Retire In this video I walk you through a step-by-step process to calculate your true retirement income needs not just some vague percentage of your current salary. While youve probably seen estimates like you need 70% of your income in retirement those rules of thumb often miss key details. Using a hypothetical couple earning $350000 a year Ill show you how to: Subtract taxes savings and expenses you wont have in retirement Add back new costs like healthcare and travel Calculate your net withdrawal needs Apply the 4% rule to estimate how much youll need" [YouTube Link](https://youtube.com/watch?v=Nnq0GaLnjEQ) 2025-05-31T12:00Z 60.2K followers, [---] engagements "Roth Conversions Before You Retire Many people aren't aware they can do a Roth Conversion before retirement. And while some are aware they may not believe it is beneficial to do a Roth Conversion until they retire. In this video learn why it can be advantageous to do a Roth Conversion Before You Retire Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money" [YouTube Link](https://youtube.com/watch?v=OYTupSBmLkg) 2023-07-22T12:00Z 60.2K followers, [----] engagements "Should You Take Social Security Early or Wait Should You Take Social Security Early or Wait https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your full retirement age (FRA) is when youre entitled to 100% of your Social Security benefit. Take it early at [--] and youll only receive about 70% of that amount. Delay until [--] and your benefit grows 8% per year up to 124% of your FRA benefit. For example if Tims FRA benefit is $3700 hed get $2590 at [--] or $4588 at [--]. Timing makes a huge" [YouTube Link](https://youtube.com/watch?v=RCPeg4pUPiA) 2025-10-09T11:00Z 60.2K followers, [----] engagements "Why Your Retirement Portfolio Needs to Change Now What got you to retirement wont necessarily get you through it. In this video I explain why shifting your investment strategy as you approach retirement is critical especially if you're still heavily invested in growth assets. Learn how a bucket strategy and a more conservative approach can help you protect your retirement income.Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook" [YouTube Link](https://youtube.com/watch?v=RpJg5xJ2xxw) 2025-06-23T21:00Z 60.2K followers, [---] engagements "5 Expenses You Can Ditch In Retirement Think you need to replace your entire paycheck in retirement Think again. In this video Ill break down [--] major expenses that often disappear in retirementplus one bonus you might not have considered. You may be closer to your retirement goals than you think. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream" [YouTube Link](https://youtube.com/watch?v=San_X-IpRCg) 2025-06-17T21:15Z 60.2K followers, [---] engagements "Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once you understand your overall tax picture the next step is to plan out specific tax optimization strategies. For many retirees this means deciding whether Roth conversions make sense. Early in retirement when income may be lower you might have valuable low tax years that present great opportunities to convert" [YouTube Link](https://youtube.com/watch?v=T_Ceglcsu0I) 2025-10-13T13:25Z 60.2K followers, [----] engagements "How To Create Your Ultimate Retirement Cash Flow Map Thanks for Watching https://retirementtimemachine.com/ Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our" [YouTube Link](https://youtube.com/watch?v=UVu9-NAKnhs) 2025-08-28T22:00Z 60.2K followers, [---] engagements "Are Target Date Funds Any Good Target Date Funds have become the default investment option for many 401k plans. But are they any good In this video I break it all down to give you the information you need to know BEFORE you buy a Target Date Fund. Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like" [YouTube Link](https://youtube.com/watch?v=Ve73qqGms7E) 2019-07-11T23:57Z 60.2K followers, 12.3K engagements "Understanding Spousal Social Security Benefits In this video Bill effectively breaks down spousal social security benefits Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel." [YouTube Link](https://youtube.com/watch?v=W-_y-HG-VXQ) 2023-06-24T12:30Z 60.2K followers, 43.5K engagements "Why are Social Security Benefits STILL Taxed Like [----] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know Social Security benefits werent always taxable In [----] Congress made up to 50% of benefits taxable to keep the system solvent. About [--] years later that limit rose to 85%. Shockingly the rules used to determine taxable benefits havent been adjusted for inflation since [----] #SocialSecurity #Taxes #RetirementPlanning #MoneyTips #FinancialPlanning Ready to start building" [YouTube Link](https://youtube.com/watch?v=WWqryXZ2MaM) 2025-09-16T22:02Z 60.2K followers, [----] engagements "How To Maximize Social Security Survivor Benefits Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement There is a little known strategy that can really help you to maximize your Social Security benefits if you are entitled to a survivors benefit from a deceased spouse. If you have a decent Social Security benefit based off of your own work record and are also entitled to a survivors benefit from your spouse then this strategy may work for you. Here's how it works: If you are entitled to a Social" [YouTube Link](https://youtube.com/watch?v=Wu-RWgPK7q0) 2013-05-03T12:30Z 60.2K followers, [----] engagements "How to Create a Retirement Plan (the Easy Way) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money. In this video I walk you through how our Retirement Time Machine program works from gathering your financial data to exploring powerful reports in your planning portal and finally meeting one-on-one with our team. Youll see how we simplify retirement planning using the same tools trusted by professionals all backed by expert guidance and ongoing support. Thanks for Watching Ready to" [YouTube Link](https://youtube.com/watch?v=XOa1mpgce4I) 2025-09-16T11:01Z 60.2K followers, [---] engagements "Will the One Big Beautiful Bill Act Lower Your Taxes Case Study Breakdown https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Can new tax law changes help you keep more of your retirement income Lets find out. In this video we walk through a case study to explore the impact of the One Big Beautiful Bill Act recent updates to standard deductions SALT cap increases and new rules for charitable contributions. You'll see how we use our powerful financial planning software eMoney to run the" [YouTube Link](https://youtube.com/watch?v=XrTrgi9i3KE) 2025-08-23T12:00Z 60.2K followers, [---] engagements "Is your Tax Bracket Really going to be Lower in Retirement Wondering if your tax bracket will really be lower in retirement Find out in this video about retirement taxes and what to expect when you retire Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel." [YouTube Link](https://youtube.com/watch?v=YIK7uFw26Rc) 2024-06-27T22:00Z 60.1K followers, [----] engagements "Can a Flat Market REALLY Wreck Your Retirement Plans In this video youll learn how just one flat or sideways market could threaten your retirementand what to do about it. Well walk through a hypothetical example using a $2 million retirement portfolio and $80000 of annual income needs to demonstrate how the bucket strategy worksand more importantly where it can fall short during extended market stagnation. Youll see how market downturns or delayed recoveries could double your effective withdrawal rate and increase the risk of running out of money in retirement. Key topics covered: Why the 4%" [YouTube Link](https://youtube.com/watch?v=Z11YCj5O4j0) 2025-05-24T11:00Z 60.2K followers, [---] engagements "The [--] Levers That Drive Your Retirement Plan Your retirement outcome depends on [--] powerful levers: when you retire how much you spend and how much you save. In this video I break down how small adjustments in these areas can make a big difference helping you retire sooner or with more income. We also explain why trade-offs between these levers matter and how a comprehensive financial plan can help you strike the right balance. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel" [YouTube Link](https://youtube.com/watch?v=ZUOYkdJsrzc) 2025-06-21T11:01Z 60.2K followers, [---] engagements "Retrirement Planning In Your 50s Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine" [YouTube Link](https://youtube.com/watch?v=Zq2JwF61nYw) 2025-05-07T23:00Z 60.1K followers, [---] engagements "Your Financial Vision [--] Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement Time" [YouTube Link](https://youtube.com/watch?v=b9pQcKw_ylU) 2020-05-29T15:33Z 60.1K followers, [----] engagements "What's Your MAGI Why This Tax Number Matters More Than You Think Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning" [YouTube Link](https://youtube.com/watch?v=bF_QzD1GCJ0) 2025-03-29T12:00Z 60.2K followers, [----] engagements "7 Strategies That Could Lower Your Retirement Risk In this Video. One of the biggest risks you'll face in retirement isnt just how much you saveit's whether that money will last as long as you do. In retirement risk means the possibility of running out of money later in life or having to significantly change your lifestyle if your assets don't perform as expected. In this article well cover seven key strategies you can use to reduce risk in retirementand stick around to the end because theres also a bonus eighth strategy that could make a big difference in protecting your financial future." [YouTube Link](https://youtube.com/watch?v=bsDGFKZm_Kc) 2025-04-26T12:01Z 60.1K followers, [---] engagements "Retirement Healthcare: How You Could Get an ACA Subsidy (Even with $2.5M in Assets) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much could you save on healthcare before Medicare In this video I walk through another case study showing how a couple with $2.5 million in retirement assets saved $96880 on Affordable Care Act premiums. Well break down: What ACA subsidies are and how they work The federal poverty level thresholds for [----] Why early retirees often overlook these" [YouTube Link](https://youtube.com/watch?v=cmtWZ8wr8LY) 2025-10-11T10:15Z 60.2K followers, [---] engagements "What Is My Retirement Tax Bracket In this video Bill answers one of our most asked questions What will my tax bracket be in retirement Stick around for this walkthrough guide to help yourself estimate your retirement tax bracket. Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content" [YouTube Link](https://youtube.com/watch?v=d1eVGu2BdOA) 2023-04-08T13:00Z 60.2K followers, 18.4K engagements "6 Types Of Non-Taxable Retirement Income Stick around to learn about [--] different types of income that can't be taxed while you are in retirement Thanks for watching If you enjoyed the video please subscribe to the channel for weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our WealthVision Comprehensive" [YouTube Link](https://youtube.com/watch?v=dPzpVcMp594) 2023-10-25T05:42Z 58.9K followers, 10.5K engagements "Immediate Annuities #immediate annuities #deferred income annuities #retirement income planning One of the most important aspects of retirement planning is how to create a predictable source of income for your lifestyle needs. Traditionally bonds were the go to way for retirees to generate income for their retirement and also to provide some safety from the stock market. In this Video I explain immediate annuities and deferred income annuities. In this video. ** Pros and Cons of Immediate annuities and deferred income annuities ** Understanding options for creating your retirement income" [YouTube Link](https://youtube.com/watch?v=eQ48gM8zGRY) 2023-10-23T22:25Z 58.9K followers, [----] engagements "Introduction To Annuities (2019) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money #Annuity #Retirement #Retirement Income If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your retirement or maybe you already own one. There is a lot of information out there about annuities and a lot of different opinions about them. In this introduction to annuities you will learn. **** What is an annuity **** The pros" [YouTube Link](https://youtube.com/watch?v=ed-sdtGpiYU) 2019-03-13T00:45Z 60.2K followers, 154.7K engagements "No Tax on Overtime: What the New Tax Law Means For You The One Big Beautiful Bill Act includes a major tax change that could benefit millions of workers a new deduction for overtime pay. In this video I break down how this deduction works including the cap per individual and key rules of the provision. If you or your spouse earn overtime this could be a valuable way to reduce your taxable income between [----] and [----]. Watch to learn how to take advantage of it. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel" [YouTube Link](https://youtube.com/watch?v=etDfRaN-PeI) 2025-07-30T22:30Z 60.2K followers, [---] engagements "Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once you understand where you are and where you want to go its time to dial in your retirement plan. This means testing your assumptions and making sure your plan has a high level of confidence that youll be able to reach your goals. That might mean delaying retirement a couple of years adjusting spending or if things" [YouTube Link](https://youtube.com/watch?v=gwA9PL_oPIM) 2025-10-09T14:45Z 60.2K followers, [---] engagements "Roth Investments are Better Than Traditional Money Evolution [----] Traditional or Roth Which type of investment is best for me In this video Bill helps you answer these questions by breaking down [--] hypothetical scenarios that can help you determine if traditional investments Roth investments or a blend of the two would be right for you. --------------------------------------------------------------------------------------------------------------- Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos here on our YouTube Channel" [YouTube Link](https://youtube.com/watch?v=hakShK_oguU) 2024-08-31T11:00Z 60.1K followers, [---] engagements "How To Manage Your Retirement Withdrawal Bucket Strategy In this video you'll learn how to build and manage a retirement bucket strategy to create reliable income and protect your portfolio throughout retirement. Discover how to structure your buckets and keep your plan strong through market ups and downs. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live" [YouTube Link](https://youtube.com/watch?v=irMynZeslgY) 2025-04-30T22:00Z 60.1K followers, [---] engagements "Tactical Vs Strategic Asset Allocation Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The" [YouTube Link](https://youtube.com/watch?v=jPL00EzmkO4) 2018-07-26T13:04Z 60.2K followers, 10.7K engagements "How Roth Conversions can help avoid a Tax Time Bomb https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youve saved heavily into traditional retirement accounts like a 401(k) or IRA Required Minimum Distributions (RMDs) could create big tax problems later in retirement especially once youre forced to start taking them. In this video we use our financial planning software (eMoney) to show how a hypothetical couple Steve and Sandy faces skyrocketing RMDs and rising tax brackets later" [YouTube Link](https://youtube.com/watch?v=jXyayb4yqTY) 2025-09-06T23:20Z 60.2K followers, [---] engagements Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing
@moneyevolution Money Evolution
Money Evolution posts on YouTube about money, retirement, investment, finance 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 automotive brands technology brands
Social topic influence money, retirement #876, investment, finance, financial, cash flow, social security, tax bracket, flow, ira
Top assets mentioned General Motors Company (GM) General Electric Company (GE) Uber Technologies, Inc. (UBER)
Top Social Posts
Top posts by engagements in the last [--] hours
"Variable Annuity Explained (2019) #variable annuity #annuities explained #retirement planning #Retirement Income In this Video I explain Variable Annuities. ** Typical fees associated with variable annuities ** How a variable annuity could provide for a consistent and predictable stream of income for your retirement ** The differences between variable annuities and the other types of annuites ** Questions you should ask before buying a variable annuity If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your"
YouTube Link 2019-04-02T18:43Z 60.1K followers, 30.3K engagements
"Are You Converting TOO Much to Roth (Most People Are) Are You Converting TOO Much to Roth (Most People Are) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you converting too much money to a Roth IRA Roth conversions can be a powerful retirement tax strategy but for a lot of people the real question isnt Should I convert Its How much should I convert and what tax bracket should I target In this video I explain why I believe many retirees should strongly consider targeting the"
YouTube Link 2026-02-14T12:15Z 60.1K followers, [----] engagements
"11 Biggest 401k Mistakes Stick around to learn some of the most common 401k mistakes that you could be making Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our"
YouTube Link 2023-04-22T13:00Z 60.1K followers, [----] engagements
"The Retirement Mindset That Holds People Back The Retirement Mindset That Holds People Back https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the most common mistakes people make in retirement planning is treating retirement like a starting line. They save diligently for [--] or even [--] years max out their 401K plans make sacrifices along the way and assume that retirement is when they finally get permission to enjoy their money. Thats when the trips start the golf club"
YouTube Link 2026-01-28T12:04Z 60.1K followers, [---] engagements
"Can You Still Do Roth Conversions Without Having Extra Cash Can You Still Do Roth Conversions Without Having Extra Cash https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Even if you dont have outside money to pay the taxes on a Roth conversion it can still make sense. Rather than converting $100000 and paying the taxes separately you could convert $75000 if youre in a 25% combined tax bracket and let the taxes come directly from the IRA. Youre still shifting future growth into a Roth"
YouTube Link 2026-02-10T12:15Z 60.1K followers, [---] engagements
"Create $120k Retirement Income Detailed Breakdown https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video youll learn how to create $120000 of sustainable retirement income using a strategic bucket plan approach. We walk through a real-world example using a hypothetical couple with $2 million in investable assets showing how to split retirement into two distinct phases: Early Retirement and Full Retirement once Social Security kicks in. Youll see exactly how we structure"
YouTube Link 2025-05-10T11:45Z 60.1K followers, 15.4K engagements
"The Biggest Reason to Determine if Roth Conversions Actually Make Sense The Biggest Reason to Determine if Roth Conversions Actually Make Sense https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The most important factor when deciding whether a Roth conversion makes sense is your tax rate today vs. what you believe your tax rate will be in the future. If you think your future tax rate is going to be higher than it is right now then its probably worth looking at doing some Roth"
YouTube Link 2026-02-09T12:15Z 60.1K followers, [----] engagements
"The [----] Roth IRA Loophole High Earners Need to Know The [----] Roth IRA Loophole High Earners Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For [----] if you make over $150k (single) or $236k (married filing jointly) you cant contribute directly to a Roth IRA. But there is a workaround the backdoor Roth IRA strategy that lets high income earners still get money into a Roth. Heres how it works and when it makes sense. If you would like to watch the full video click here"
YouTube Link 2025-09-28T14:00Z 60.1K followers, [----] engagements
"How the Senior Bonus Deduction Works How the Senior Bonus Deduction Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As part of the One Big Beautiful Bill Act signed on July [--] [----] a new Senior Bonus Deduction was introduced. To qualify your modified adjusted gross income must be under $75000 if youre a single filer or under $150000 if youre married filing jointly. If you qualify this deduction can be worth an extra $6000 per individual age [--] or older. That means married"
YouTube Link 2026-02-05T12:15Z 60.1K followers, [---] engagements
"Will Your Capital Gains Push You Into a Higher Tax Bracket Will Your Capital Gains Push You Into a Higher Tax Bracket https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Will capital gains push you into a higher tax bracket This is one of the most common and most misunderstood tax questions I get from clients. In this video I break down how capital gains are actually taxed why the IRS uses two separate tax tables and how long term capital gains and qualified dividends interact with your"
YouTube Link 2026-01-31T12:15Z 60.1K followers, [---] engagements
"Using Roth Conversions to Build Tax Free Growth Using Roth Conversions to Build Tax Free Growth https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the biggest advantages of Roth conversions is the ability to shift future growth into a tax free account. You can earn a similar overall rate of return but by moving part of that higher growth portion into a Roth youre allowing that growth to compound without future income taxes. That creates another bucket you can draw from later"
YouTube Link 2026-02-11T12:15Z 60.1K followers, [---] engagements
"What Goes Into a Comprehensive Retirement Plan What Goes Into a Comprehensive Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is something we work through all the time with our clients during the retirement planning process. A real retirement plan isnt just about investments. Its about understanding cash flow taxes Social Security timing and how all of those pieces fit together. Thats why we created a program called the Retirement Time Machine. Its a high level"
YouTube Link 2026-02-02T12:15Z 60.1K followers, [----] engagements
"The 3.8% Net Investment Income Tax That Can Sneak Up During Roth Conversions The 3.8% Net Investment Income Tax That Can Sneak Up During Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the other taxes that can come into play during Roth conversion planning is the net investment income tax. This is an extra 3.8% tax that applies to certain types of investment income once your income crosses specific thresholds. This tax does not apply to money coming out of an"
YouTube Link 2026-01-16T12:19Z 60.1K followers, [----] engagements
"Do Time and Returns Matter for Roth Conversions Do Time and Returns Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you convert $100000 from a traditional retirement account to a Roth IRA and youre in a 30% combined State and Federal tax bracket youre going to owe $30000 in taxes on that conversion. That means youre left with $70000 inside the Roth IRA. If you leave the money in the traditional account the full $100000 continues working for you. That"
YouTube Link 2026-01-30T12:15Z 60.1K followers, [---] engagements
"How Higher Income Can Quietly Increase Your Medicare Costs How Higher Income Can Quietly Increase Your Medicare Costs https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Higher income in retirement doesnt just affect your tax bracket it can also quietly increase your Medicare costs. As your income rises from things like portfolio growth withdrawals Roth conversions or required minimum distributions you can trigger IRMAA surcharges that raise your Medicare premiums. This is one of those"
YouTube Link 2026-02-13T12:15Z 60.1K followers, [----] engagements
"401k Contribution Limits for 2025: The $81250 Strategy 401k Contribution Limits for 2025: The $81250 Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much can you really contribute to your 401(k) in [----] In this video Ill break down the new IRS contribution limits and explain whats changing this yearincluding the brand-new Super Catch-Up rule created under the Secure Act [---]. Whether youre under [--] over [--] or in that special age range of [----] its important to know how"
YouTube Link 2025-10-14T22:45Z 60.1K followers, [----] engagements
"Coasting into Retirement: The Retirement Strategy No One Talks About Coasting into Retirement: The Retirement Strategy No One Talks About https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you waiting until retirement to finally enjoy your life A lot of people treat retirement like a finish line. Save aggressively for [--] or [--] years sacrifice spending max out every account and then finally give yourself permission to enjoy the money once you retire. But theres another option. In"
YouTube Link 2025-12-23T22:02Z 60.1K followers, [---] engagements
"The Truth About Social Security Taxes Explained Simply The Truth About Social Security Taxes Explained Simply https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I recently watched a long video explaining how Social Security benefits can be taxed it covered a lot of detail worksheets and calculations. But heres the straight to the point version. Unless youre at a very low income level you should probably expect that your Social Security benefits will be subject to tax. Thats not a"
YouTube Link 2026-02-04T12:15Z 60.1K followers, [----] engagements
"Annuities Part [--] - Immediate Annuities http://lethemonfinancial.com/retirement-planning/annuities/ Part 3: Immediate Annuities An immediate annuity is kind of like a pension that you fund yourself. Its also called a single Premium Immediate Annuity or SPIA and its generally considered the most traditional type of annuity. Basically you give an insurance company a lump sum of money and in return they give you a regular stream of income usually guaranteed for the rest of your life. Now when you give the money to the insurance company you pretty much lose control of your money which is one of"
YouTube Link 2012-06-11T12:19Z 60.1K followers, [----] engagements
"Did the One Big Beautiful Bill Act Eliminate Taxes on Social Security Did the One Big Beautiful Bill Act Eliminate Taxes on Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did the One Big Beautiful Bill Act eliminate taxes on Social Security benefits The short answer is no but it did change how much of your income can be shielded from tax at least temporarily. In this video I walk through exactly how Social Security benefits are taxed how the IRS calculates"
YouTube Link 2026-01-24T12:15Z 60.1K followers, [---] engagements
"What Is Our Retirement Time Machine What Is Our Retirement Time Machine https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre looking for a clear detailed plan for your retirement we created something called the Retirement Time Machine. Its a comprehensive financial planning program designed to help you understand cash flow taxes Social Security and retirement decisions. Its not connected to where you choose to invest your money and focuses entirely on building a retirement plan"
YouTube Link 2026-02-08T12:15Z 60.1K followers, [---] engagements
"The Asset Shifting Strategy That Frees Up Cash Flow The Asset Shifting Strategy That Frees Up Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Just because youre able to save more money for retirement doesnt always mean you should. We see this a lot with high savers who are maxing out contributions but feeling squeezed from a cash flow standpoint. In many cases their retirement assets are already on a strong trajectory. They dont actually need to keep saving at the same"
YouTube Link 2026-02-01T12:15Z 60.1K followers, [---] engagements
"Two Misconceptions That Dont Matter for Roth Conversions Two Misconceptions That Dont Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When it comes to Roth conversions there are two factors that many people focus on that actually dont matter. The first is rate of return. A lot of people think they need to earn some minimum return or hit a break even point for a Roth conversion to make sense. The second is time horizon. Some believe the money has to stay"
YouTube Link 2026-01-29T12:15Z 60.1K followers, [---] engagements
"How Much Income Can You Get from an Annuity in [----] (Rates Payouts & Examples) How Much Income Can You Get from an Annuity in [----] (Rates Payouts & Examples) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how much income you can get from an annuity in [----] In this video Ill walk you through real-world payout examples based on current annuity rates and explain what determines how much guaranteed income you can expect whether youre planning to start now or a few years from"
YouTube Link 2025-10-22T20:58Z 60.1K followers, [---] engagements
"The Asset Allocation Math That Drives Your Returns The Asset Allocation Math That Drives Your Returns https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we build retirement plans we dont assume everything earns the same return. Most portfolios are split between growth assets and more conservative assets. When you blend those together your actual return ends up somewhere in the middle. In this short I walk through a simple asset allocation example to show how blended returns really"
YouTube Link 2026-02-07T12:15Z 60.1K followers, [---] engagements
"How Standard Deductions Work After Age [--] in Retirement How Standard Deductions Work After Age [--] in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A lot of people underestimate how much income can be reduced just through standard deductions especially once youre age [--] or older. For [----] the standard deduction is $16100 for a single tax filer and $32200 for married filing jointly. On top of that theres an additional Senior deduction thats been around for decades. If"
YouTube Link 2026-02-06T12:15Z 60.1K followers, [----] engagements
"How RMDs Can Lead to Unexpected Tax Problems How RMDs Can Lead to Unexpected Tax Problems https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you start taking $100000 a year out of a traditional retirement account at age [--] that account can still grow significantly by the time required minimum distributions begin. By the time RMDs start around age [--] or [--] that balance can force out very large mandatory withdrawals. When those RMDs get stacked on top of other income like Social"
YouTube Link 2026-02-12T12:15Z 60.1K followers, [---] engagements
"How Roth Conversions Can Impact ACA Subsidies How Roth Conversions Can Impact ACA Subsidies https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Healthcare costs before Medicare can be a lot higher than people expect. For a married couple around age [--] annual health insurance premiums alone can easily run $24000 to $26000 per year and thats before copays and other out of pocket expenses. ACA subsidies can significantly reduce those costs sometimes by 60% or more depending on income but"
YouTube Link 2026-01-23T12:25Z 60.1K followers, [---] engagements
"Why We Assume the Same Rate of Return for Traditional Accounts and Roth Accounts Why We Assume the Same Rate of Return for Roth Conversions and Traditional Accounts https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we model Roth conversions we assume the same rate of return for traditional and Roth accounts. Doing that lets us isolate the tax advantage of the conversion itself. Were not relying on different investment performance or assumptions. Were simply comparing the impact"
YouTube Link 2026-02-10T22:30Z 60.1K followers, [---] engagements
"401k New Rules and Rule Changes In this video learn about new rules and rule changes coming to 401k plans in [----] including changes to contribution limits employer matching contributions and more. Thanks for watching if you enjoyed the video please leave a like and subscribe to our channel for more weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel."
YouTube Link 2023-02-25T11:45Z 60.1K followers, [----] engagements
"Social Security Part [--] - Spousal Benefits http://lethemonfinancial.com/retirement-planning/social-security/ Social Security Part [--] - Spousal Benefits Check out all of our videos on our YouTube Channel at http://www.youtube.com/user/lethemonfinancial/videos Like us on Facebook at http://www.facebook.com/pages/Lethemon-Financial/208420089176958 Call 248-731-7829 Lethemon Financial Bloomfield Hills MI William G. Lethemon III owner of Lethemon Financial Bloomfield Hills MI We have had a good review of how your basic benefits work let's talk about spousal benefits. Your spouse is entitled to"
YouTube Link 2012-05-31T08:22Z 60.1K followers, 18.8K engagements
"Real World Social Security Math: How a $3000 Benefit Impacts a Spouses Check Real World Social Security Math: How a $3000 Benefit Impacts a Spouses Check https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets walk through a simple example to see exactly how a Social Security spousal benefit works. In this short Ill show how Mark and Kathys benefits are calculated and what determines that extra $500 spousal amount. 💡 Heres what Ill cover: ✅ How to calculate the spousal benefit step by"
YouTube Link 2025-10-18T11:00Z 60.2K followers, [----] engagements
"Do You Really Need to Replace a $350000 Income in Retirement Do You Really Need to Replace a $350000 Income in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the first things many people focus on when they start retirement planning is the top line income number. You might be making $350000 a year and immediately wonder how youre ever going to fund retirement at that level. The reality is the amount you actually need to replace in retirement is often much lower"
YouTube Link 2025-12-28T12:30Z 60.1K followers, [----] engagements
"What Rising Parenting Costs Mean for Your Retirement What Rising Parenting Costs Mean for Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Raising kids isnt cheap especially when youre juggling high school sports extracurriculars homecoming prom extra cars or college tuition. During those years it can feel like theres an endless stream of cash flowing out of your budget every month. In this short I break down a few key steps you can take right now to keep your"
YouTube Link 2025-12-11T12:45Z 60.1K followers, [---] engagements
"Why Tax Bracket Awareness Is Crucial for Retirement Withdrawals Why Tax Bracket Awareness Is Crucial for Retirement Withdrawals https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is why having a detailed cash flow based retirement plan matters so much. Inside a good financial planning tool especially when youre modeling retirement withdrawals you can see exactly what your tax situation looks like as income changes. Rather than just knowing youre in a certain tax bracket you can"
YouTube Link 2025-12-19T12:15Z 60.1K followers, [----] engagements
"Are You Filling Your Retirement Buckets the Right Way Are You Filling Your Retirement Buckets the Right Way https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement success isnt just about how much youve saved its about how your three tax buckets change over time. In this short I break down the three key factors that determine how those accounts grow and how long your money lasts: ✅ How much money is going into each bucket ✅ How fast each bucket is growing ✅ How much youre"
YouTube Link 2025-11-10T23:16Z 60.1K followers, [---] engagements
"Fixed Annuities Explained #fixed annuities #retirement income planning One of the most important aspects of retirement planning is how to create a predictable source of income for your lifestyle needs. Traditionally bonds were the go to way for retirees to generate income for their retirement and also to provide some safety from the stock market. In this Video I explain fixed annuities and deferred income annuities. In this video. ** Pros and Cons of fixed annuities versus the other types of annuities ** Understanding options for creating your retirement income stream ** How an annuity might"
YouTube Link 2019-04-17T00:07Z 60.1K followers, 27.2K engagements
"What are the Ordering Rules for Roth IRA Withdrawals What are the Ordering Rules for Roth IRA Withdrawals https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Before taking money out of your Roth IRA its important to understand how the IRS decides what comes out first and what might trigger taxes or penalties. In this video Ill walk through the Roth IRA ordering rules and explain how contributions conversions and earnings are treated when you make a withdrawal. 💡 Heres what youll learn:"
YouTube Link 2025-10-19T12:30Z 60.2K followers, [----] engagements
"How Contributions and Conversions Work: Understanding the Roth IRA [--] Year Rule How Contributions and Conversions Work: Understanding the Roth IRA [--] Year Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The Roth IRA five-year rule is one of the most misunderstood parts of retirement planning but its also one of the most important to get right. In this video Ill break it down in simple terms so you can understand when your money becomes tax free and penalty free. 💡 Heres what"
YouTube Link 2025-10-21T22:15Z 60.2K followers, [----] engagements
"Roth vs. Traditional: Why Tax Rates Matter Roth vs. Traditional: Why Tax Rates Matter https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets assume your money doubles over time. The rate of return and the time period dont really matter for this example. If $100000 in a traditional IRA grows to $200000 and youre still in a 30% tax bracket youll owe $60000 in taxes leaving you with $140000 after tax. Now for a Roth conversion example if $70000 is converted to a Roth and that money"
YouTube Link 2026-01-03T12:15Z 60.1K followers, [----] engagements
"Will Your RMD Be A Tax Problem https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thanks for Watching Ready to start building your plan 👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com Want more retirement planning insights 🏠 Visit our website: https://moneyevolution.com/ 📘 Follow us on Facebook: https://www.facebook.com/moneyevolutionlive/ 📝 Read our blog: https://moneyevolution.com/blog/ 🎁 Download our FREE Retirement Launch Kit Get organized dont"
YouTube Link 2024-10-26T11:00Z 60.2K followers, [----] engagements
"How Travel Plans Impact Your Retirement Cash Flow How Travel Plans Impact Your Retirement Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is why planning from a cash flow perspective matters so much in retirement. When you start putting future expenses on the calendar things like a $50000 trip to Hawaii next year or a $20000 river cruise in Europe the year after it directly changes the size of your cash flow gap. In most cases those larger expenses mean youre going to"
YouTube Link 2026-01-01T12:15Z 60.1K followers, [----] engagements
"What Is FRA Understanding Your Full Retirement Age for Social Security What Is FRA Understanding Your Full Retirement Age for Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever hear the term FRA and wonder what it means In this short Ill explain what Full Retirement Age is and why its such an important milestone in your Social Security planning. 💡 Heres what youll learn: ✅ What FRA stands for and how it affects your benefit amount 📅 The age you become eligible"
YouTube Link 2025-11-04T22:00Z 60.1K followers, [----] engagements
"The Tax Detail People Miss When Modeling Roth Conversions The Tax Detail People Miss When Modeling Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When were doing financial planning and modeling Roth conversions the details matter. Inside our software we dont just calculate the tax on the conversion itself. We also account for where the money to pay those taxes is coming from. If that money is coming from investments with capital gains and those gains push income"
YouTube Link 2026-01-20T12:22Z 60.1K followers, [---] engagements
"What Age do Required Minimum Distributions Become Mandatory What Age do Required Minimum Distributions Become Mandatory https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Required minimum distributions are when youre required to start taking money out of your traditional retirement accounts whether you want to or not. This isnt optional and the age when it starts depends on the year you were born. If you were born in [----] or later required minimum distributions begin at age [--]. If you"
YouTube Link 2025-12-22T12:15Z 60.1K followers, [----] engagements
"The ACA Subsidy Cliff: What You Need to Know The ACA Subsidy Cliff: What You Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money During the Covid era one of the bills that was passed capped health insurance premiums at 8.5% of your modified adjusted gross income. That meant even if your income was higher you could still receive a meaningful ACA subsidy in many cases. Starting in [----] that changes. The rules revert back to a cliff structure. If your income is even $1 over"
YouTube Link 2026-01-15T12:18Z 60.1K followers, [---] engagements
"How to Use Your Low Tax Years for Smart Roth Conversions How to Use Your Low Tax Years for Smart Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about retiring at [--] or [--] You could be sitting in one of the best tax windows of your life. In this short I explain why your early retirement years often come with lower tax brackets and how that creates a prime opportunity for Roth conversions. By living off non-retirement accounts and taking advantage of"
YouTube Link 2025-11-17T12:19Z 60.1K followers, [----] engagements
"Why Cash Flow Should be the Center of Every Retirement Plan Why Cash Flow Should be the Center of Every Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As you get closer to retirement there are a lot of moving pieces you start thinking about. Healthcare decisions Medicare and whether you need a supplement what to do if you retire before age [--] and how you cover healthcare during that gap. You may also still be working and asking where you should be saving whether you"
YouTube Link 2025-12-24T12:15Z 60.1K followers, [---] engagements
"Want to Retire at [--] Check This Math First Want to Retire at [--] Check This Math First https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you want to retire at age [--] the first seven years of retirement look very different from retiring at [--]. Youll have no Social Security until at least age [--] and many pensions dont start until age [--] or they come with steep reductions if taken early. That means you may need to cover all of your expenses with savings during this early retirement"
YouTube Link 2025-12-16T12:15Z 60.1K followers, [----] engagements
"How the 4% Rule Determines Your Portfolio Size How the 4% Rule Determines Your Portfolio Size https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This is where you get to your real need from the portfolio and its probably the most important part of the entire retirement planning process. Once you know how much income you actually need to support from your investments the next question becomes how much money it takes to realistically support that. One common guideline youve probably"
YouTube Link 2025-12-21T12:15Z 60.1K followers, [----] engagements
"How to Use IRA Withdrawals to Pay Roth Conversion Taxes How to Use IRA Withdrawals to Pay Roth Conversion Taxes https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once youve identified how much room you have in a target tax bracket the next question is how to pay the taxes on a Roth conversion. If you dont have outside cash available one option is to do a partial conversion and then take an additional IRA distribution to cover the tax bill. For example you might convert $75000 from a"
YouTube Link 2026-01-25T12:26Z 60.1K followers, [---] engagements
"Tax Consequences of Roth Conversions Tax Consequences of Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about a Roth conversion There may be some unintended consequences to know about before you do. In this video I'll break down [--] possible tax consequences from doing a Roth conversion. 💡 Heres what youll learn: ✅ How to avoid higher Medicare costs ✅ How to know if you're eligible for the Senior Bonus Deduction ✅ How Roth conversions may trigger an"
YouTube Link 2025-11-15T12:00Z 60.1K followers, [---] engagements
"Social Security Timing Explained: Why Waiting Can Boost Your Benefits Social Security Timing Explained: Why Waiting Can Boost Your Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Thinking about when to start your Social Security benefits In this short Ill explain how claiming early or delaying can make a big difference and what those delayed retirement credits really mean. 💡 Heres what youll learn: ✅ The earliest age you can claim Social Security (and how much its reduced)"
YouTube Link 2025-10-30T21:00Z 60.2K followers, [----] engagements
"What Is a Social Security Spousal Benefit What Is a Social Security Spousal Benefit https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder how Social Security spousal benefits work when one spouse earned a lot more than the other In this short I break down how the lower-earning spouse can receive up to 50% of the higher earners benefit and what needs to happen to qualify for the full amount. 💡 Heres what I cover: ✅ The difference between spousal and survivor benefits 📅 How"
YouTube Link 2025-11-03T22:00Z 60.1K followers, [----] engagements
"How to Build Your Retirement Withdrawal & Tax Strategy How to Build Your Retirement Withdrawal & Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement tax strategy and your retirement withdrawal strategy are inseparable. In this video I walk you through how the money you take out of your accounts in retirement affects your tax brackets ACA subsidies IRMAA surcharges and required minimum distributions and how to start coordinating all of it into one cohesive"
YouTube Link 2025-12-06T12:15Z 60.1K followers, [----] engagements
"Married Couples: Dont Claim Social Security Until You Understand This Rule Married Couples: Dont Claim Social Security Until You Understand This Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre married and getting close to retirement coordinating your Social Security benefits can be confusing especially when it comes to spousal benefits. In this video Ill clear up some of the biggest misconceptions and show you exactly how spousal benefits work how theyre calculated and"
YouTube Link 2025-10-26T11:15Z 60.2K followers, [---] engagements
"Finding the Right Balance Between Saving and Spending Before Retirement Finding the Right Balance Between Saving and Spending Before Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Were always making tradeoffs with money. If youre saving aggressively into a 401K today thats money youre choosing not to spend on something else right now. At the same time you dont want to spend everything and end up short in retirement. The real challenge is finding the right balance between"
YouTube Link 2026-01-27T12:12Z 60.1K followers, [---] engagements
"Social Security Terms Explained: FRA PIA COLA and More (Made Simple) Social Security Terms Explained: FRA PIA COLA and More (Made Simple) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever feel like Social Security has its own secret language Between acronyms like FRA PIA and COLA it can be tough to make sense of what really matters for your retirement. In this video Ill break down the most common Social Security terms so you can finally understand what they mean and how they"
YouTube Link 2025-10-28T11:15Z 60.2K followers, [----] engagements
"The #1 Social Security Mistake Married Couples Make (and How to Avoid It) The #1 Social Security Mistake Married Couples Make (and How to Avoid It) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre married and getting close to retirement understanding how your Social Security benefits work together is essential. One of the biggest areas of confusion I see is with spousal benefits and there are a lot of myths out there. In this video Ill walk through a clear example to show"
YouTube Link 2025-10-27T11:15Z 60.2K followers, [----] engagements
"The Smart Tax Move Before Paying for a Wedding The Smart Tax Move Before Paying for a Wedding https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I was talking with a client whos also a good friend of mine and his son is getting married next summer. Because weve had these conversations before he was very aware of where he currently sits in the tax brackets and how much room he has left this year. With a lot of wedding expenses coming up we decided it made sense for him to take an extra"
YouTube Link 2025-12-26T12:15Z 60.1K followers, [----] engagements
"What Is the Social Security COLA What Is the Social Security COLA https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder why your Social Security check sometimes increases each year Thats because of the COLA or cost of living adjustment. In this short Ill explain how the COLA works and why its tied to inflation. 💡 Heres what youll learn: ✅ What COLA stands for and how it affects your Social Security benefits 📅 How inflation drives annual benefit increases ➡ Why COLA"
YouTube Link 2025-10-31T21:02Z 60.2K followers, [----] engagements
"5 Retirement Tax Strategies to Reduce Taxes Before You Retire [--] Retirement Tax Strategies to Reduce Taxes Before You Retire https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Most retirement tax planning conversations focus on what to do after you retire: how to take withdrawals manage tax brackets and coordinate income sources. But your retirement tax outcome is largely determined before you ever stop working. In this video I walk through five smart retirement tax strategies you"
YouTube Link 2025-12-13T12:15Z 60.1K followers, [---] engagements
"The Easy Way to Build Your Retirement Withdrawal & Tax Strategy The Easy Way to Build Your Retirement Withdrawal & Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through how to actually coordinate retirement withdrawals tax brackets ACA subsidies Roth conversions and required minimum distributions into one cohesive plan using our advanced eMoney financial planning software. Rather than focusing on tax strategies in isolation this video shows how"
YouTube Link 2026-01-10T12:14Z 60.1K followers, [----] engagements
"The [--] Tax Buckets That Shape Retirement Planning The [--] Tax Buckets That Shape Retirement Planning https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When it comes to optimizing your taxes in retirement everything revolves around how you invest contribute and withdraw from your three primary tax buckets. In this short Ill break down the difference between: Taxable (non-retirement) accounts: bank brokerage and CD investments Traditional retirement accounts: pre tax 401Ks and IRAs Roth"
YouTube Link 2025-11-07T22:30Z 60.1K followers, [----] engagements
"The Tax Mistake People Make When Buying an Expensive Car The Tax Mistake People Make When Buying an Expensive Car https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I had a client who was buying a car that had been on his dream list for a long time. It was about a $175000 purchase and he was already in a fairly high tax bracket. Since the car wasnt going to be delivered until the following year we looked closely at where he was in the tax brackets and how much room he had left for the"
YouTube Link 2025-12-17T12:15Z 60.1K followers, [----] engagements
"The Tax Difference Between IRA Withdrawals and Capital Gains The Tax Difference Between IRA Withdrawals and Capital Gains https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When youre paying the taxes on a Roth conversion where that money comes from makes a big difference. If you use short term capital gains that income is taxed at ordinary income tax rates just like taking money out of an IRA. But if the money comes from long term capital gains or qualified dividends its taxed at a"
YouTube Link 2026-01-22T12:24Z 60.1K followers, [---] engagements
"How to Maximize Your Joint Social Security Benefits for Married Couples Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement This strategy we will discuss is one you can use as a married couple to maximize the benefits that you and your spouse get from Social Security. Have you ever heard the expression 1+1=3 Most people just think I have benefits my spouse has benefits but they don't really think about how their benefits could work together. When it comes to Social Security we know that you can"
YouTube Link 2013-04-27T12:45Z 60.1K followers, 11.6K engagements
"This [--] Phase Cash Flow Plan is Pivotal to Your Retirement This [--] Phase Cash Flow Plan is Pivotal to Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your retirement cash flow projection has three stages: [--]. Your current income and expenses [--]. Your early retirement years (before Social Security kicks in) [--]. Your full retirement age at [--] Mapping these out helps you avoid surprises and plan with confidence. If youd like to watch the full video click here 👇"
YouTube Link 2025-12-12T12:15Z 60.1K followers, [---] engagements
"What Age Does the IRS Force You to Withdraw Money What Age Does the IRS Force You to Withdraw Money https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you have money in a traditional IRA or 401K you cant leave it there forever. The IRS eventually wants its cut. In this short I explain Required Minimum Distributions (RMDs) including when they start and why they exist: 📅 Age [--] if you were born before [----] 📅 Age [--] if you were born in [----] or later Once you reach that age youre"
YouTube Link 2025-11-12T12:16Z 60.1K followers, [----] engagements
"How to Get Your Retirement on Track in Your 50's How to Get Your Retirement on Track in Your 50's https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you're in your 50s this is one of the most important decades of your entire retirement journey. You may be earning more than ever but youre also facing some of the highest expenses of your life teenagers at home college tuition sports activities extra cars and the constant drain on your monthly cash flow. In this short I break down the"
YouTube Link 2025-12-29T12:30Z 60.1K followers, [---] engagements
"How the 4% Rule Helps You Plan Your Retirement Income How the 4% Rule Helps You Plan Your Retirement Income https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Most people have a cash flow surplus while theyre working but in retirement it often flips into a cash flow gap. That gap tells you exactly how much you need to withdraw from your portfolio each year. If your gap is $80000 after Social Security simple math using the 4% rule shows how much you should have saved to support that"
YouTube Link 2025-12-14T12:15Z 60.1K followers, [----] engagements
"Everything You Need To Know About RMDs In this video learn more about [--] key areas related to Required Minimum Distributions Thanks for watching If you enjoyed the video please subscribe to the channel for weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Our WealthVision Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine https://www.retirementtimemachine.com Tracking: 418784-1"
YouTube Link 2023-03-25T13:00Z 60.1K followers, [----] engagements
"Annuity Income Explained: [----] Rates for Both Singles and Couples Annuity Income Explained: [----] Rates for Both Singles and Couples https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money So how much guaranteed income can an annuity provide in October [----] In this video Ill walk you through real world examples based on current annuity rates and explain what affects those numbers including age deferral period and whether you choose a single or joint lifetime payout. 💡 Heres what youll"
YouTube Link 2025-10-23T21:30Z 60.2K followers, [----] engagements
"Biggest Reason To Do A Roth Conversion Biggest Reason To Do A Roth Conversion https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever wonder why Roth conversions can be such a powerful retirement strategy In this video Ill walk you through what might be the biggest reason to consider doing Roth conversions and its not just about your tax rate today versus the future. 💡 The real power lies in how you shift your investment growth into a more tax efficient bucket. Heres what youll learn:"
YouTube Link 2025-11-01T12:14Z 60.1K followers, [---] engagements
"401K Contribution Limits for [----] Explained 401K Contribution Limits for [----] Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Lets talk about regular 401K contributions for [----]. If youre under age [--] the maximum contribution limit is $24500. If youre [--] or older you can also make a catch up contribution of $7500 bringing your total contribution limit to $32000. Understanding these limits is important when youre planning how much to save how to manage cash flow and how"
YouTube Link 2026-01-11T12:15Z 60.1K followers, [----] engagements
"2 Factors That Dont Matter for Roth Conversions [--] Factors That Dont Matter for Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how long you need to keep money in your Roth IRA or what return you have to earn to make a Roth conversion worth it 💡 Heres the truth: those two factors dont matter at all. In this video Ill break down the only thing that really determines whether a Roth conversion makes sense for you. ✅ What actually drives Roth conversion"
YouTube Link 2025-11-08T13:15Z 60.1K followers, [---] engagements
"What the [----] Tax Law Means for Your Retirement What the [----] Tax Law Means for Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The new [----] tax law just made the Tax Cuts and Jobs Act rates permanent but your long term tax strategy still matters. In this short Ill walk you through the four phases of your tax roadmap and why understanding your tax rate today versus in the future is the key to smarter Roth conversions income timing and retirement planning. If youd"
YouTube Link 2025-11-05T22:03Z 60.1K followers, [----] engagements
"Claiming Social Security Early vs. Later: How Timing Impacts Your Benefit Claiming Social Security Early vs. Later: How Timing Impacts Your Benefit https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering when you should start collecting your Social Security benefits In this short Ill explain how your claiming age affects the amount you receive and why patience could mean a bigger monthly check later on. 💡 Heres what youll learn: ✅ The difference between claiming early and waiting"
YouTube Link 2025-10-20T11:00Z 60.2K followers, [----] engagements
"When the Primary Wage Earners Benefit Impacts the Spouses Social Security When the Primary Wage Earners Benefit Impacts the Spouses Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If one of you earned more over the years that primary wage earner status plays a big role in your Social Security benefits. In this short Ill explain how spousal benefits are tied to the higher-earning spouses record and what that means for your retirement income. 💡 Heres what youll learn:"
YouTube Link 2025-10-17T16:04Z 60.2K followers, [----] engagements
"Will Your Social Security Be Taxed Heres the Truth Will Your Social Security Be Taxed Heres the Truth https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Will your Social Security benefits be taxed in retirement In this video I break down exactly how Social Security benefits are taxed why the thresholds almost guarantee taxation for most retirees and how this really works once you see the numbers. I recently watched a long video explaining Social Security taxation with worksheets and"
YouTube Link 2025-12-20T12:01Z 60.1K followers, [---] engagements
"The Smart Way to Balance Withdrawals and Roth Conversions in Retirement The Smart Way to Balance Withdrawals and Roth Conversions in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When your retirement income comes mostly from traditional accounts every withdrawal adds to your taxable income. In this short I explain how to decide how much to withdraw from your traditional IRA or 401K and when it makes sense to do a Roth conversion on top of that. Its all about balancing"
YouTube Link 2025-11-18T12:20Z 60.1K followers, [----] engagements
"When is a Better Time to Take Social Security age [--] or age [--] When is a Better Time to Take Social Security age [--] or age [--] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your full retirement age (FRA) is when youre entitled to 100% of your Social Security benefit. Claim early at [--] and youll only receive about 70% of that amount. Wait until [--] and your benefit grows 8% each year up to 124% of your FRA benefit. Timing your Social Security claim is one of the most important"
YouTube Link 2025-11-09T20:44Z 60.1K followers, [----] engagements
"The Mistake People Make When Projecting Retirement Expenses The Mistake People Make When Projecting Retirement Expenses https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money That number is a lot lower than what youre spending today and thats where the next step of retirement planning really matters. You have to put yourself into the future and start thinking about what retirement is actually going to look like not what life looks like right now. Retirement changes things. Your work"
YouTube Link 2025-12-18T12:15Z 60.1K followers, [----] engagements
"7 Social Security Terms Everyone Should Know [--] Social Security Terms Everyone Should Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Ever feel like Social Security has its own secret language Youre not alone. In this video Ill help you make sense of the most common Social Security terms and acronyms so you can understand your benefits and plan your claiming strategy with confidence. 💡 Heres what youll learn: ✅ What FRA (Full Retirement Age) and PIA (Primary Insurance Amount)"
YouTube Link 2025-10-27T21:30Z 60.2K followers, [---] engagements
"Is Maxing Out Your 401K Hurting Your Cash Flow Is Maxing Out Your 401K Hurting Your Cash Flow https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money I recently met with a client in his early 50's who had done a phenomenal job saving for retirement. He had over $3 million in portfolio assets but he was saving so aggressively that his day to day cash flow felt tight. Between maxing out his 401K every year helping his kids through college and covering regular expenses he felt strapped and"
YouTube Link 2026-01-26T12:02Z 60.1K followers, [---] engagements
"The Simple Process to Calculate Your Retirement Living Expenses The Simple Process to Calculate Your Retirement Living Expenses https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through a simple process you can use to get more accuracy around how much money you actually need to live on in retirement. Its not overly complicated but it helps move you past rough estimates and closer to real numbers you can plan around. Once you understand your living expenses the"
YouTube Link 2025-12-23T12:15Z 60.1K followers, [----] engagements
"5 Reason Not To Buy An Annuity https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Annuities may not be for everyone. Here are [--] reasons not to buy an annuity. Part of a series on annuities check out the other videos on our playlist here https://www.youtube.com/watchv=HHxvfj2ys0A&list=PLzVrW_qbznocIOROxfak8BnO70Tu6medz Thank you for watching Please subscribe to our channel if you like the content. Ready to start building your plan 👉 Check out the Retirement Time Machine:"
YouTube Link 2017-05-08T10:57Z 60.1K followers, 85.5K engagements
"The Hidden Medicare Cost of Roth Conversions The Hidden Medicare Cost of Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One of the unexpected things that can show up when youre doing Roth conversions is higher Medicare costs. If youre [--] or older and on Medicare theres a base premium but once your income crosses certain thresholds those premiums can increase quickly. In some cases Medicare costs can double or even more than triple as you move into higher tiers."
YouTube Link 2026-01-14T12:17Z 60.1K followers, [---] engagements
"How to Plan for Retirement in Your 50's How to Plan for Retirement in Your 50's https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Planning for retirement in your 50s can feel overwhelming especially if youre juggling your highest earning years and your highest expenses. In this video I walk you through the exact steps to understand your cash flow map out your retirement timeline and determine whether youre truly on track for retirement at [--] [--] [--] or beyond. Well break down your"
YouTube Link 2025-12-10T22:30Z 60.1K followers, [---] engagements
"The [--] Phases of Retirement Taxes That Everyone Should Know The [--] Phases of Retirement Taxes That Everyone Should Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how to lower your lifetime tax bill In this short I show you the one question that drives smart tax planning: whats my tax rate today vs. what will it be later Then I break down the four phases of your tax roadmap so you can time strategies the right way. ✅ Working Years ✅ Early Retirement (pre-Social"
YouTube Link 2025-12-03T22:00Z 60.1K followers, [---] engagements
"The Secret $81250 401k Contribution Limit in [----] The Secret $81250 401k Contribution Limit in [----] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For [----] the 401k contribution limit is $23500 if youre under [--]. At age 50+ you can add a $7500 catch up and for ages [----] theres a new super catch-up of $3750 bringing your total to $34750. But heres what most people dont realize: the IRS total contribution limits (including employer match and after-tax contributions) go as high as"
YouTube Link 2025-10-08T15:01Z 60.1K followers, [----] engagements
"Are You on Track to Hit $2 Million by Retirement Are You on Track to Hit $2 Million by Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Before you retire one of the fastest ways to see whether you're on track is to project your current retirement assets forward to your full retirement age usually [--] for most people in their 50's. Based on what youve already saved plus what youll contribute over the next [----] years will that get you to $2 million with a reasonable rate of"
YouTube Link 2025-12-15T05:01Z 60.1K followers, [----] engagements
"Why Cash Flow Matters in Retirement Why Cash Flow Matters in Retirement How to Identify Your Retirement Cash Flow Gap https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money For most people in retirement the money coming in isnt enough to cover all of their expenses. Thats why its so important to understand your cash flow especially once you start taking withdrawals from your retirement accounts. Cash flow is simply money coming in vs. money going out. You might have income from Social"
YouTube Link 2026-01-07T12:15Z 60.1K followers, [---] engagements
"Why Social Security and Medicare Decisions are Crucial in Your Retirement Why Social Security and Medicare Decisions are Crucial in Your Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money As you get closer to retirement a lot of important decisions start stacking up. You may be thinking about when to collect Social Security and how to coordinate those benefits with your spouse. You might also be looking at healthcare decisions Medicare whether you need a supplement plan or"
YouTube Link 2026-01-04T12:15Z 60.1K followers, [---] engagements
"Marginal vs. Effective Tax Rate Explained Simply Marginal vs. Effective Tax Rate Explained Simply https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When you look at $260000 of income that puts someone in the 24% tax bracket. But that doesnt mean all of their income is taxed at 24%. This is where the difference between marginal tax rate and effective tax rate really matters. Your marginal tax rate is the rate you pay on the last dollar of income but your effective tax rate is a blended"
YouTube Link 2025-12-31T12:45Z 60.1K followers, [----] engagements
"How Does Cash Flow fit Into Your Retirement Plan How Does Cash Flow fit Into Your Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Planning for retirement isnt just about investments Social Security tax brackets or choosing the right Medicare plan it all comes together through cash flow. In todays episode we break down why cash flow sits at the center of your entire retirement plan and how it affects every other part of your financial life. Whether you're wondering"
YouTube Link 2025-11-29T12:15Z 60.1K followers, [---] engagements
"Can Your Spouses Social Security Affect Yours Heres How It Really Works Can Your Spouses Social Security Affect Yours Heres How It Really Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you and your spouse are getting close to retirement its important to understand how Social Security benefits interact. In this short I break down a common scenario where one spouse claims early and the other waits until full retirement age and how that decision affects each persons monthly"
YouTube Link 2025-10-22T11:01Z 60.2K followers, [----] engagements
"How Different Retirement Accounts Are Taxed in Retirement How Different Retirement Accounts Are Taxed in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you're like most people the bulk of your savings is sitting in traditional retirement accounts and every time you take a distribution from those accounts its taxed as ordinary income. Thats very different from how some non-retirement accounts are taxed. In many cases withdrawals from taxable investment accounts mean"
YouTube Link 2026-01-08T12:15Z 60.1K followers, [---] engagements
"Why Cash Flow Is the Lifeblood of Retirement Why Cash Flow Is the Lifeblood of Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you think about any successful business the lifeblood of that business is cash flow. Its money coming in and money going out. You can have a lot of assets but if you dont have the right cash flow to pay the bills when they come due that business wont survive. Retirement works the same way. Cash flow is what you actually spend and use to enjoy"
YouTube Link 2026-01-05T12:15Z 60.1K followers, [---] engagements
"Why Cash Flow Is the Key to Your Retirement Plan Why Cash Flow Is the Key to Your Retirement Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Understanding your cash flow is the single most important part of any retirement plan. Its also the number one thing our clients tell us gives them the most confidence and clarity about their retirement. In this video I walk through how a cash flow based retirement plan actually works and why it sits at the center of everything else"
YouTube Link 2026-01-08T18:55Z 60.1K followers, [---] engagements
"Bonds vs. Annuity: Creating your Retirement Income Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video Im comparing traditional fixed income investmentslike bonds and CDsagainst annuities with guaranteed lifetime income. If you're building out your retirement income strategy this is a must-watch. Well run the numbers and explore how annuities stack up against todays interest rates. Ready to start building your plan 👉 Check out the Retirement Time Machine:"
YouTube Link 2025-06-12T23:19Z 60.1K followers, [----] engagements
"7 Things You Must Know to Build Your Retirement Tax Strategy [--] Things You Must Know to Build Your Retirement Tax Strategy https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A great retirement plan isnt just about saving its about understanding how taxes will evolve as your life changes. In this short I break down [--] key components every retiree should consider when building a smart tax strategy: ✅ Contributions to each tax bucket ✅ Growth rate assumptions ✅ Retirement expenses &"
YouTube Link 2025-11-20T12:21Z 60.1K followers, [---] engagements
"The New Super Catch Up Contribution for Ages [--] to [--] The New Super Catch Up Contribution for Ages [--] to [--] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Starting in [----] and continuing into [----] theres a new rule called the super catch up contribution. It applies for a very specific [--] year window. If you're age [--] [--] [--] or [--] by the end of the tax year you can make a larger catch up contribution. Rather than the standard $7500 catch up eligible individuals can contribute $11250."
YouTube Link 2026-01-12T12:15Z 60.1K followers, [----] engagements
"The Hidden Tax Strategy Behind Delaying Social Security The Hidden Tax Strategy Behind Delaying Social Security https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Delaying your Social Security benefit can do more than just increase your monthly check it can also open up valuable low-tax years for strategic Roth conversions. In this short I explain why waiting to claim your benefit can: ✅ Boost your lifetime Social Security income ✅ Extend your Roth conversion window ✅ Help you optimize"
YouTube Link 2025-11-19T12:21Z 60.1K followers, [----] engagements
"Free Retirement Resources to Help You Get Organized for Retirement Planning Free Retirement Resources to Help You Get Organized for Retirement Planning 🎁 Download our FREE Retirement Launch Kit Get organized dont miss anything important and simplify your retirement plan with three powerful tools. 👉 https://retirementlaunchkit.com If youre planning for retirement and trying to get more organized we have several free resources that can help you start putting the pieces together. One of those is our Retirement Launchpad which is designed to help you build a clear budget take inventory of your"
YouTube Link 2025-12-25T12:15Z 60.1K followers, [----] engagements
"Myths vs. Reality About Social Security Spousal Benefits Myths vs. Reality About Social Security Spousal Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Spousal benefits are one of the most misunderstood parts of Social Security. I see people get tripped up on this topic all the time and its easy to see why. In this video Ill clear up some of the biggest myths and misconceptions around how spousal benefits actually work for married couples. 💡 Heres what Ill cover: ✅ When"
YouTube Link 2025-10-26T20:30Z 60.2K followers, [----] engagements
"What To Do With Your 401k 403b or [---] when you retire or change jobs. Get your Free Retirement Guide Here: http://lethemonfinancial.com/freeretirementguide What To Do With Your 401k 403b or [---] when you retire or change jobs. In this video I'm going go over your options on what to do with your 401k 403b [---] or other qualified retirement plan when you retire or change jobs. If you're retired or separated service from your company and have a qualified retirement plan you basically have [--] options as to what you can do with it. Do Nothing. Most 401k's and other qualified retirement plans don't"
YouTube Link 2013-03-05T15:20Z 60.2K followers, 28.2K engagements
"2026 401K Changes Explained: New Limits Super Catch Up and the New Roth Rule [----] 401K Changes Explained: New Limits Super Catch Up and the New Roth Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre contributing to a 401K [----] brings some important changes you need to understand before you set your strategy. In this video I break down the new [----] 401K contribution limits how the super catch up works and a brand new rule that directly impacts high wage earners. Well walk"
YouTube Link 2025-12-27T12:15Z 60.1K followers, [----] engagements
"New [----] High Wage Earner Rule Explained New [----] High Wage Earner Rule Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Starting in [----] theres a brand new rule that affects high wage earners and how certain catch up contributions are treated for tax purposes. If your W-2 wages are over $145000 any catch up contributions including the standard catch up and the super catch up must go into a Roth. That means those contributions are no longer deductible. You can still make"
YouTube Link 2026-01-06T12:15Z 60.1K followers, [----] engagements
"Why Early Retirement Withdrawals can be Higher Than you Expect Why Early Retirement Withdrawals can be Higher Than you Expect https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money One important retirement planning concept is separating retirement into two different phases. The first is what retirement looks like at full retirement age when income and expenses normalize and all predictable income sources are in place. If you retire early especially before age [--] or before Social Security"
YouTube Link 2026-01-02T12:15Z 60.1K followers, [----] engagements
"7 Steps if You're Planning on Doing a Roth Conversion [--] Steps if You're Planning on Doing a Roth Conversion https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In this video I walk through the [--] key steps you should take before during and after your Roth conversion. 💡 Heres what youll learn: ✅ How to decide how much to convert and which tax bracket to target ⚡ How to estimate the taxes youll owe on the conversion 💵 The best way to pay your Roth conversion tax bill ➡ Why you dont need"
YouTube Link 2025-11-16T12:39Z 60.1K followers, [----] engagements
"What Is a Social Security Survivor Benefit Heres How It Works What Is a Social Security Survivor Benefit Heres How It Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money What happens to your Social Security benefits if your spouse passes away In this short I break down how survivor benefits work and what you can expect if youre the surviving spouse. 💡 Heres what youll learn: ✅ The basic rules for Social Security survivor benefits 📅 Why the higher earners benefit often becomes"
YouTube Link 2025-11-02T21:52Z 60.1K followers, [----] engagements
"What's the Maximum Amount You Can Put Into a 401K What's the Maximum Amount You Can Put Into a 401K https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The IRS sets an overall contribution limit for employer sponsored retirement plans and its higher than most people realize. For [----] that total limit is $76500 if youre under [--] $84000 if youre [--] or older and $87750 if you fall into the super catch up age range. If your employer sponsored plan allows after tax contributions you may be"
YouTube Link 2026-01-13T12:16Z 60.1K followers, [---] engagements
"The True Cost of ACA Health Insurance Before Medicare The True Cost of ACA Health Insurance Before Medicare https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In [----] the average Affordable Care Act (ACA) silver plan for a [--] year old costs about $1072 a month thats $12864 a year. For a couple that doubles to $25728 and over five years until Medicare eligibility the total is a staggering $128640. Heres what that really means for retirement planning. If youd like to watch the full video"
YouTube Link 2025-10-24T21:32Z 60.2K followers, [----] engagements
"How ACA Subsidies Can Save Couples Over $90k How ACA Subsidies Can Save Couples Over $90k https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money In [----] the average ACA silver plan costs a [--] year old $12864 a year. But with subsidies that drops to just $3512 a savings of $9352 annually. For a married couple costs fall from $25728 to only $7024 saving $18704 every year. Over [--] years until Medicare thats more than $93000 in savings heres how it works. If youd like to watch the full video"
YouTube Link 2025-10-02T11:30Z 60.1K followers, [----] engagements
"How to Determine If You Can Retire Early (and How to Soon) How to Determine If You Can Retire Early (and How to Soon) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much do you really need saved to retire early and how do you know if youre actually on track In this video I walk through a step by step framework you can use to estimate how much money you need to retire early and how to test whether your current savings contributions and growth are enough to support that goal."
YouTube Link 2026-01-17T12:15Z 60.1K followers, [---] engagements
"How Big Could Your Required Minimum Distributions be How Big Could Your Required Minimum Distributions be https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youre saving for retirement your future Required Minimum Distributions (RMDs) could surprise you. In this short I break down how to estimate your future RMDs based on: 📈 How much youre contributing 💰 Your account growth over time 🧾 The IRS withdrawal rules For high savers these withdrawals can balloon to hundreds of thousands"
YouTube Link 2025-11-14T12:18Z 60.1K followers, [---] engagements
"How a Cash Flow Based Retirement Plan Helps Control Taxes How a Cash Flow Based Retirement Plan Helps Control Taxes https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The reason a cash flow based financial plan is so important is because it allows you to get into the details and actually map things out. Its not just about what you own its about coordinating income expenses and withdrawals in a way that can be optimized from a tax standpoint. When you understand your cash flow you can"
YouTube Link 2025-12-30T12:31Z 60.1K followers, [---] engagements
"What Is PIA Understanding Your Primary Insurance Amount What Is PIA Understanding Your Primary Insurance Amount https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youve ever looked at your Social Security statement and wondered how they calculate your benefit it all starts with something called PIA your Primary Insurance Amount. In this short Ill explain what that means and why its such an important number in your retirement planning. 💡 Heres what youll learn: ✅ What PIA stands for"
YouTube Link 2025-10-29T11:15Z 60.2K followers, [----] engagements
"Roth IRA 5-Year Rule Simplified When You Can Access Your Money Tax-Free Roth IRA 5-Year Rule Simplified When You Can Access Your Money Tax-Free https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering when you can withdraw money from your Roth IRA tax-free In this video Ill walk you through the Roth IRA five-year rulesand explain how they apply to your contributions conversions and earnings. Ill also break down exactly what needs to happen for a distribution to be considered"
YouTube Link 2025-10-18T11:15Z 60.2K followers, [---] engagements
"How To Pay The Taxes On Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Have you ever been confused on how taxes work for Roth Conversions In this video learn how taxes are payed on Roth Conversions Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Ready to start building your plan 👉 Check out the Retirement Time Machine: https://www.RetirementTimeMachine.com Want more retirement planning insights 🏠 Visit our"
YouTube Link 2023-01-28T12:00Z 60.1K followers, 162.5K engagements
"Where Should You Really Keep Your Growth Investments Where Should You Really Keep Your Growth Investments https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know where you hold your investments can be just as important as what you invest in In this short I explain how to align your asset allocation across your non-retirement traditional and Roth accounts for smarter tax efficiency: 💡 Growth investments Roth 💡 Conservative bonds Traditional 💡 Preference-rate assets"
YouTube Link 2025-11-13T12:17Z 60.1K followers, [----] engagements
"How Required Minimum Distributions Can Push You Into a Higher Tax Bracket How Required Minimum Distributions Can Push You Into a Higher Tax Bracket https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Another thing that can happen in retirement is something most people dont even realize theyre walking into. If youre not taking advantage of lower tax brackets along the way or youre not spending certain accounts down strategically your accounts can grow so fast that Required Minimum"
YouTube Link 2026-01-09T12:15Z 60.1K followers, [---] engagements
"No Tax on Social Security Benefits No Tax on Social Security Benefits https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money You may have heard the promise of no tax on Social Security benefits. That didnt quite happen but retirees did get something valuable in its place. In this video Ill explain exactly what changed what the Senior Bonus Deduction is who qualifies for it and how it creates new planning opportunities for retirees between [----] and [----]. 💡 Heres what youll learn: ✅ Why"
YouTube Link 2025-11-22T12:15Z 60.1K followers, [----] engagements
"Retirement Tax Plan-Roth Conversions RMDs & Cash Flow Strategy Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Taxes could end up being one of your biggest retirement expenses. And unlike other expenses taxes dont go away they are with you for the rest of your life. In this video Im diving into another retirement case study to show you how to build a smarter withdrawal strategy and create a long-term tax plan that could help you keep more of your money. Heres what Ill walk"
YouTube Link 2025-10-04T10:30Z 60.2K followers, [----] engagements
"The Tax Arbitrage Strategy Behind Roth Conversions The Tax Arbitrage Strategy Behind Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money When we talk about Roth conversions what were really trying to understand is a tax arbitrage situation. If you believe your tax rate today is lower than what it may be in the future then it makes sense to at least consider doing a Roth conversion. But as you start planning out those conversions and coordinating income there are some"
YouTube Link 2026-01-21T12:23Z 60.1K followers, [---] engagements
"Social Security Spousal Benefits Explained: What Married Couples Need to Know Social Security Spousal Benefits Explained: What Married Couples Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering how Social Security spousal benefits workand whether your spouse can receive more based on your record In this video Ill walk you through a simple hypothetical example (Mark at $3000 PIA and Kathy at $1000) to show: ➡ When a spousal benefit applies ➡ How timing affects"
YouTube Link 2025-10-16T22:01Z 60.2K followers, [---] engagements
"This Hidden Medicare IRMAA Stealth Tax Can Raise Your Premiums How Does the Hidden Medicare IRMAA Stealth Tax Raise Your Premiums https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Wondering why your Medicare premiums are higher than expected In this video Ill break down everything you need to know about Medicare IRMAA the income related monthly adjustment amount that can dramatically increase your Medicare Part B and D premiums if your income crosses certain thresholds. Well cover: ✅"
YouTube Link 2025-10-25T11:15Z 60.2K followers, [---] engagements
"How to Pay 0% Capital Gains Tax in Retirement How to Pay 0% Capital Gains Tax in Retirement https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know you can sell highly appreciated investments and pay zero in capital gains tax In this short I break down the two types of income that come from your non-retirement (taxable) accounts: ✅ Ordinary Income: interest and short-term gains taxed at your top rate ✅ Tax Preference Income: qualified dividends and long-term capital gains taxed"
YouTube Link 2025-11-11T12:15Z 60.1K followers, [----] engagements
"Should I buy Group Life insurance Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement"
YouTube Link 2014-08-05T04:03Z 60.1K followers, [----] engagements
"The Tax That Hits Upper Tax Brackets During Roth Conversions The Tax That Hits Upper Tax Brackets During Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money This next issue mainly affects people who are targeting higher tax brackets while doing Roth conversions and its the net investment income tax. This tax was created as part of the Affordable Care Act and applies an extra 3.8% to certain types of investment income once you cross higher income thresholds. This tax"
YouTube Link 2026-01-19T12:21Z 60.1K followers, [----] engagements
"How the New Senior Bonus Deduction Works How the New Senior Bonus Deduction Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money A new senior bonus deduction was introduced as part of the One Big Beautiful Bill Act and it applies to people who are age [--] or older between [----] and [----]. T his deduction can be worth up to $6000 per qualifying person. What makes this especially valuable is that it sits on top of your standard deduction or your itemized deductions. You dont have to"
YouTube Link 2026-01-18T12:20Z 60.1K followers, [----] engagements
"Why Your Social Security Analysis May be Wrong https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money 📌 Your Social Security Timing Strategy Might Be Wrong When should you take Social Security age [--] [--] or [--] Most people use simple breakeven math to answer that question. But that approach leaves out some critical factors that could impact your entire retirement income strategy. In this video I walk through a real case study using our eMoney planning software to show why your Social"
YouTube Link 2025-09-04T23:00Z 60.2K followers, [---] engagements
"How Much To Contribute To A 401K #how much to contribute to 401k #retirement planning #401k investing Planning for Retirement How much you should contribute to a 401k plan Is the 401k your best option In this video. ** How much money you should be saving for retirement ** Contribution limits for retirement accounts ** Roth vs. Traditional ** Which Retirement Account to save money Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial"
YouTube Link 2019-09-03T23:30Z 60.2K followers, 14.8K engagements
"3 Things Before Cashing Out an Annuity Thinking about cashing out of an annuity Before you do there are [--] critical things you must knowespecially #3 which could trigger a huge unexpected tax bill. In this video Ill break down surrender penalties hidden annuity benefits and the right way to avoid costly tax mistakes when exiting your annuity. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and"
YouTube Link 2025-06-25T21:00Z 60.2K followers, [---] engagements
"Retirement Planning Made Simple: Inside the eMoney Client Portal How to Organize Your Retirement Plan: eMoney Monday Episode [--] In this video were kicking off a new series called E-Money Mondays where we walk through the financial planning software we use with clients. Youll see how our client portal helps organize your entire retirement plantrack your net worth manage expenses and clearly see how much income youll need each year. If retirement feels overwhelming this is how you bring it all together. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational"
YouTube Link 2025-05-05T22:00Z 60.1K followers, [---] engagements
"Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The final step is to actually build out your retirement cash flow plan. By this point youve mapped out your income and expenses tested your plan for confidence and identified your tax optimization opportunities. Now its time to bring it all together into a clear actionable roadmap. Understanding where your income will"
YouTube Link 2025-10-14T14:15Z 60.2K followers, [----] engagements
"What to Do With Your Lump-Sum Pension Buyout Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement Have you recently received a lump sum pension offer Being located in the automotive capital of the world we are at ground zero for a trend that is quickly catching on throughout corporate America. The lump sum pension buyout. According to a recent report from H.S. Dent Publishing Since [----] the number of Fortune [---] companies that offer pensions to new employees has dropped by half. The fact is"
YouTube Link 2013-05-07T13:50Z 60.2K followers, 21.3K engagements
"Retirement Withdrawal Strategy Are you planning to retire or already in retirement Do you have a strategy for how you plan to take withdrawals from your retirement assets In this video I help you develop a retirement withdrawal strategy. Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the"
YouTube Link 2019-12-21T13:08Z 60.2K followers, 809.3K engagements
"Reitrement Mistakes People In Their 40's Sometimes Make Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel."
YouTube Link 2017-06-27T12:04Z 60.1K followers, [----] engagements
"How to Save RMD Taxes with Roth Conversions https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If you have a lot of money in traditional retirement accounts Required Minimum Distributions (RMDs) could push you into a much higher tax bracket later in retirement. In this video I'm using the eMoney software inside our Retirement Time Machine program to show just how big these Required Minimum Distribution can get and the potential taxes. I'll show you. ✅ How to forecast RMDs using real"
YouTube Link 2025-09-03T18:24Z 60.2K followers, [---] engagements
"Retirement Planning Made Simple: How To Create Your Plan For Retirement https://moneyevolution.com/services/retirement-time-machine/ Check out RetirementTimeMachine.com Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial"
YouTube Link 2025-08-30T11:00Z 60.2K followers, [---] engagements
"Lump Sum Buyout vs Monthly Pension One of the biggest retirement planning decisions you will ever make is whether or not to take a lump-sum pension buyout or keep your regular monthly pension checks. General Motors Ford Motor Verizon AT&T General Electric just to name a few have all offered pension buyouts to their retirees. In this video I break it all down to share with you some of the key points to consider when making this decision. Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to"
YouTube Link 2020-01-25T13:03Z 60.2K followers, 113.2K engagements
"Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The first step and arguably the most important is understanding all the moving pieces in your retirement plan. You need to know what income is coming in when it starts and how your expenses will change over time. Maybe you retire early while your spouse keeps working or you have a gap before Social Security or a pension"
YouTube Link 2025-10-08T12:00Z 60.2K followers, [---] engagements
"Retirement Planning Made Simple: Inside the eMoney Client Portal How to Organize Your Retirement Plan: eMoney Monday Episode [--] In this video were kicking off a new series called eMoney Monday where we walk through the financial planning software we use with clients. Youll see how our client portal helps organize your entire retirement plantrack your net worth manage expenses and clearly see how much income youll need each year. If retirement feels overwhelming this is how you bring it all together. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational"
YouTube Link 2025-05-05T22:00Z 60.1K followers, [---] engagements
"4 Things About Long Term Capital Gains #investing #stockmarket Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course"
YouTube Link 2025-06-16T20:00Z 60.2K followers, [---] engagements
"How to Build a Retirement Cash Flow Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money 📊 How to Map Out Your Retirement Cash Flow (Step-by-Step Using eMoney) Planning for retirement One of the most important steps is mapping out your retirement cash flow whats coming in whats going out and when it all happens. Lets talk about your retirement cash flow where your income will come from what your expenses will look like and how it all fits together to create a sustainable withdrawal"
YouTube Link 2025-09-08T18:06Z 60.2K followers, [---] engagements
"Employee Stock Purchase Plans Do you have an Employee Stock Purchase Plan If yes do you participate in it An Employee Stock Purchase Plan can be a great way to save and there may be great benefits to participate. In this video I break it all down Enjoy Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel 2."
YouTube Link 2020-11-28T13:00Z 60.2K followers, 27.5K engagements
"The Mega Backdoor Roth Strategy High Earners Need to Know The Mega Backdoor Roth Strategy High Earners Need to Know https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know you can put $37500 more into a Roth account in [----] even if youre over the income limits This strategy called the Mega Backdoor Roth uses after tax 401k contributions that can be rolled into a Roth IRA or Roth 401k. Heres how it works why employers are starting to automate it and how it could supercharge your"
YouTube Link 2025-09-23T15:15Z 60.2K followers, [----] engagements
"Increased State And Local Tax (SALT) Deductions Explained The One Big Beautiful Bill Act raises the cap on state and local tax (SALT) deductions from $10000 to $40000 a huge increase that could change whether it makes sense to itemize your deductions. In this video I break down who might benefit most how this impacts the standard vs. itemized deduction decision and why the real tax savings may not be as simple as it sounds. If you live in a high-tax state this could be a big deal for your [----] return. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our"
YouTube Link 2025-07-26T11:00Z 60.2K followers, [---] engagements
"Is an Annuity Like a Pension Heres the Truth Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement"
YouTube Link 2025-07-15T21:30Z 60.2K followers, [---] engagements
"How to Build your Retirement Withdrawal Strategy In todays video Im walking you through how to build a retirement withdrawal strategystep-by-step. Ill share a hypothetical client case study that shows exactly how we help people transition from saving and accumulating money to withdrawing money in retirement. I break it down using a 2-phase approach: 📌 Phase 1: How to fund the early years of retirement (before Social Security starts) 📌 Phase 2: How to make your money last once your income stabilizes Youll learn how the bucket strategy works why the 4% rule matters and how to reduce portfolio"
YouTube Link 2025-05-17T11:00Z 60.2K followers, [----] engagements
"The Social Security Spousal Benefit Mistake That Could Cost You Thousands If you're entitled to Social Security spousal benefits there's one important step you cant afford to miss and the government wont remind you. In this video Ill break down how spousal benefits work when you need to apply and a critical mistake that could cost you thousands of dollars in lost benefits. Ill also explain how ex-spousal benefits work if you were previously married. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel"
YouTube Link 2025-07-01T20:00Z 60.2K followers, [---] engagements
"What Are The Different Types Of Annuities (2019) #Annuity #Retirement #Retirement Income If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your retirement or maybe you already own one. There is a lot of information out there about annuities and a lot of different opinions about them. In this video you will learn. **** The [--] Types of Annuities **** Immediate Annuities and Deferred Income Annuities **** Fixed Annuities **** Fixed Index Annuities **** Variable Annuities **** The pros and cons of each type of"
YouTube Link 2019-03-15T12:00Z 60.2K followers, 52.9K engagements
"ACA Subsidy Rules for [----] Explained ACA Subsidy Rules for [----] Explained https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money The Affordable Care Act (ACA) subsidies are still expanded for [----] but that ends next year. Heres a quick [--] second breakdown of who qualifies how the federal poverty level works and why [----] will bring back the subsidy cliff. Perfect for anyone getting health insurance through the Marketplace. If you would like to watch the full video click here 👇"
YouTube Link 2025-09-29T14:52Z 60.2K followers, [----] engagements
"What is the New 401k Super Contribution Rule What is the New 401k Super Contribution Rule https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Big changes for 401k contributions in [----] If youre under [--] you can now put in $23500 and if youre 50+ you get the $7500 catch up. But heres the big news: a brand-new super contribution rule lets ages 60-63 contribute even more. Heres the full breakdown in under [--] seconds so you dont miss out. If you would like to watch the full video click here"
YouTube Link 2025-09-22T21:30Z 60.2K followers, [----] engagements
"Rollover 401k to a Roth IRA Money Evolution [----] Should I roll over my 401k to a Roth In this video Bill talks 401k Roth Conversions and questions you should ask yourself when weighing your options such as: If I convert to Roth do I have the money to pay taxes outside my 401k What is my tax bracket today vs. What do I think it will it be in the future How am I going to pay the taxes -------------------------------------------------------------------------------------------------------- Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos"
YouTube Link 2024-08-24T11:00Z 60.1K followers, [----] engagements
"Hidden Estate Tax Benefits in the Beautiful Bill Act Hidden Estate Tax Benefits in the Beautiful Bill Act The federal estate tax exemption is changing again and the numbers for [----] are significant. In this video I break down the latest updates including the $13.99 million exemption per individual for [----]. Well take a quick look at how this number has changed over the yearsgoing all the way back to pre-TCJAand what it means for high-net-worth estate planning today. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel"
YouTube Link 2025-08-13T21:00Z 60.1K followers, [---] engagements
"No Tax On Tips: Big Tax Break for Tipped Workers A new tax rule in the One Big Beautiful Bill Act could be a big win for tipped workers. If you earn tips as a server bartender Uber driver or in any tipped job you may be able to exclude up to $25000 of that income from your federal taxes starting in [----]. In this video I explain who qualifies how the limits work if you're married and why it doesnt matter if tips come in cash or by credit card. Ill also clear up a few common misconceptions and explain how this could help reduce your tax bill. Here's A Few Ways We Might Be Able To Help: [--]. Watch"
YouTube Link 2025-08-05T21:00Z 60.2K followers, [---] engagements
"What Is A Fiduciary In this video I take on one of the hottest topics in the financial industry. What is a Fiduciary I believe the goal here is to eliminate conflicts of interest. but what are some of those conflicts of interest What questions should you be asking before you hire a financial advisor Remember the most important thing to consider when hiring a financial advisor is that you like and trust them. Do they have knowledge and expertise in your goals and unique situation Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem"
YouTube Link 2018-11-08T14:31Z 60.1K followers, 17K engagements
"6 Biggest Annuity Mistakes Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement Time"
YouTube Link 2023-10-23T19:29Z 58.9K followers, 43.1K engagements
"Index Annuities Explained Are you thinking of buying an annuity Maybe you already own one. Either way you will find the information discussed in this video helpful to you in making a decision or understanding how index annuities work. Indexed annuities are just one type of annuity and as with any investment be sure to do your own homework and ask lots of questions before making a purchase. Here's a link to my playlist all about annuities. https://www.youtube.com/playlistlist=PLzVrW_qbznofFpzuRtRM5YfztM2rCMTNo Enjoy the video Thank you for watching Please subscribe to our channel if you like"
YouTube Link 2023-10-24T11:07Z 58.9K followers, 34.7K engagements
"How are Taxes Different in Retirement vs. While Working https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money While working taxes were simple: earn money pay taxes and maybe deduct contributions to traditional retirement accounts. In retirement it gets more complicated: withdrawals Social Security and required distributions can change your tax picture sometimes dramatically. Learn why understanding this is crucial for your financial planning #RetirementPlanning #Taxes #FinancialTips"
YouTube Link 2025-09-17T22:04Z 60.2K followers, [----] engagements
"What Is a Fixed Indexed Annuity Full Breakdown + How It Works https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Can a fixed indexed annuity help you generate reliable retirement income In this video we break down how a $500000 annuity today can create an income stream equivalent to what would otherwise require over $1 million just a few years from now using the principles behind the 4% rule and compound growth. We walk through a detailed hypothetical example that shows how a fixed"
YouTube Link 2025-09-13T11:15Z 60.2K followers, [---] engagements
"How to get more Money into your Roth IRA through Asset Shifting Strategies https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Are you making the most of your retirement savings opportunities In this video I walk through a hypothetical example of how to take advantage of advanced contribution strategies and new retirement rules to help optimize your financial future all using powerful financial planning software. You'll learn: ✅ How much you can really contribute to your 401(k)"
YouTube Link 2025-09-20T10:15Z 60.2K followers, [----] engagements
"What Is An Annuity When you hear the word annuity what do you think of Is it good or bad Heres a very simple explanation. Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates"
YouTube Link 2017-05-18T12:42Z 60.1K followers, 53.8K engagements
"Is Your Retirement on Track Simple 3-Step Process In this video youll learn a simple 3-step process to determine whether your retirement plan is on track. Well walk through how to estimate your expenses calculate how much youll need to retire at different ages and build a withdrawal strategy that can help your money last. Whether you're planning to retire at [--] [--] or somewhere in between this framework will give you clarity and direction. Be sure to grab our free guides linked below to help organize your own plan. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our"
YouTube Link 2025-05-03T12:00Z 60.1K followers, [---] engagements
"How Investment Income Is Taxed Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine"
YouTube Link 2025-04-19T12:00Z 60.1K followers, [---] engagements
"What's the Right Tax Rate to Use in Your Retirement Plan Projections In this video youll learn how to choose the right tax rate to use when projecting your retirement plan. Well break down the key difference between your marginal tax bracket and your effective tax rate and explain why using the wrong one could throw off your entire retirement forecast. Youll also see how we model future tax scenarios using professional financial planning software including the impact of things like Social Security RMDs and Roth conversions. If you're planning for retirement and want more accurate tax"
YouTube Link 2025-05-12T22:00Z 60.2K followers, [---] engagements
"How Much Money Do You Really Need To Retire In this video I walk you through a step-by-step process to calculate your true retirement income needs not just some vague percentage of your current salary. While youve probably seen estimates like you need 70% of your income in retirement those rules of thumb often miss key details. Using a hypothetical couple earning $350000 a year Ill show you how to: Subtract taxes savings and expenses you wont have in retirement Add back new costs like healthcare and travel Calculate your net withdrawal needs Apply the 4% rule to estimate how much youll need"
YouTube Link 2025-05-31T12:00Z 60.2K followers, [---] engagements
"Roth Conversions Before You Retire Many people aren't aware they can do a Roth Conversion before retirement. And while some are aware they may not believe it is beneficial to do a Roth Conversion until they retire. In this video learn why it can be advantageous to do a Roth Conversion Before You Retire Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money"
YouTube Link 2023-07-22T12:00Z 60.2K followers, [----] engagements
"Should You Take Social Security Early or Wait Should You Take Social Security Early or Wait https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Your full retirement age (FRA) is when youre entitled to 100% of your Social Security benefit. Take it early at [--] and youll only receive about 70% of that amount. Delay until [--] and your benefit grows 8% per year up to 124% of your FRA benefit. For example if Tims FRA benefit is $3700 hed get $2590 at [--] or $4588 at [--]. Timing makes a huge"
YouTube Link 2025-10-09T11:00Z 60.2K followers, [----] engagements
"Why Your Retirement Portfolio Needs to Change Now What got you to retirement wont necessarily get you through it. In this video I explain why shifting your investment strategy as you approach retirement is critical especially if you're still heavily invested in growth assets. Learn how a bucket strategy and a more conservative approach can help you protect your retirement income.Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook"
YouTube Link 2025-06-23T21:00Z 60.2K followers, [---] engagements
"5 Expenses You Can Ditch In Retirement Think you need to replace your entire paycheck in retirement Think again. In this video Ill break down [--] major expenses that often disappear in retirementplus one bonus you might not have considered. You may be closer to your retirement goals than you think. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream"
YouTube Link 2025-06-17T21:15Z 60.2K followers, [---] engagements
"Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once you understand your overall tax picture the next step is to plan out specific tax optimization strategies. For many retirees this means deciding whether Roth conversions make sense. Early in retirement when income may be lower you might have valuable low tax years that present great opportunities to convert"
YouTube Link 2025-10-13T13:25Z 60.2K followers, [----] engagements
"How To Create Your Ultimate Retirement Cash Flow Map Thanks for Watching https://retirementtimemachine.com/ Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our"
YouTube Link 2025-08-28T22:00Z 60.2K followers, [---] engagements
"Are Target Date Funds Any Good Target Date Funds have become the default investment option for many 401k plans. But are they any good In this video I break it all down to give you the information you need to know BEFORE you buy a Target Date Fund. Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like"
YouTube Link 2019-07-11T23:57Z 60.2K followers, 12.3K engagements
"Understanding Spousal Social Security Benefits In this video Bill effectively breaks down spousal social security benefits Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel."
YouTube Link 2023-06-24T12:30Z 60.2K followers, 43.5K engagements
"Why are Social Security Benefits STILL Taxed Like [----] https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Did you know Social Security benefits werent always taxable In [----] Congress made up to 50% of benefits taxable to keep the system solvent. About [--] years later that limit rose to 85%. Shockingly the rules used to determine taxable benefits havent been adjusted for inflation since [----] #SocialSecurity #Taxes #RetirementPlanning #MoneyTips #FinancialPlanning Ready to start building"
YouTube Link 2025-09-16T22:02Z 60.2K followers, [----] engagements
"How To Maximize Social Security Survivor Benefits Click this link to get your copy http://lethemonfinancial.com/freeretirementguide How To Retire Happy [--] Simple Steps To Creating Your Ideal Retirement There is a little known strategy that can really help you to maximize your Social Security benefits if you are entitled to a survivors benefit from a deceased spouse. If you have a decent Social Security benefit based off of your own work record and are also entitled to a survivors benefit from your spouse then this strategy may work for you. Here's how it works: If you are entitled to a Social"
YouTube Link 2013-05-03T12:30Z 60.2K followers, [----] engagements
"How to Create a Retirement Plan (the Easy Way) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money. In this video I walk you through how our Retirement Time Machine program works from gathering your financial data to exploring powerful reports in your planning portal and finally meeting one-on-one with our team. Youll see how we simplify retirement planning using the same tools trusted by professionals all backed by expert guidance and ongoing support. Thanks for Watching Ready to"
YouTube Link 2025-09-16T11:01Z 60.2K followers, [---] engagements
"Will the One Big Beautiful Bill Act Lower Your Taxes Case Study Breakdown https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Can new tax law changes help you keep more of your retirement income Lets find out. In this video we walk through a case study to explore the impact of the One Big Beautiful Bill Act recent updates to standard deductions SALT cap increases and new rules for charitable contributions. You'll see how we use our powerful financial planning software eMoney to run the"
YouTube Link 2025-08-23T12:00Z 60.2K followers, [---] engagements
"Is your Tax Bracket Really going to be Lower in Retirement Wondering if your tax bracket will really be lower in retirement Find out in this video about retirement taxes and what to expect when you retire Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel."
YouTube Link 2024-06-27T22:00Z 60.1K followers, [----] engagements
"Can a Flat Market REALLY Wreck Your Retirement Plans In this video youll learn how just one flat or sideways market could threaten your retirementand what to do about it. Well walk through a hypothetical example using a $2 million retirement portfolio and $80000 of annual income needs to demonstrate how the bucket strategy worksand more importantly where it can fall short during extended market stagnation. Youll see how market downturns or delayed recoveries could double your effective withdrawal rate and increase the risk of running out of money in retirement. Key topics covered: Why the 4%"
YouTube Link 2025-05-24T11:00Z 60.2K followers, [---] engagements
"The [--] Levers That Drive Your Retirement Plan Your retirement outcome depends on [--] powerful levers: when you retire how much you spend and how much you save. In this video I break down how small adjustments in these areas can make a big difference helping you retire sooner or with more income. We also explain why trade-offs between these levers matter and how a comprehensive financial plan can help you strike the right balance. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel"
YouTube Link 2025-06-21T11:01Z 60.2K followers, [---] engagements
"Retrirement Planning In Your 50s Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning Course The Retirement Time Machine"
YouTube Link 2025-05-07T23:00Z 60.1K followers, [---] engagements
"Your Financial Vision [--] Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The Retirement Time"
YouTube Link 2020-05-29T15:33Z 60.1K followers, [----] engagements
"What's Your MAGI Why This Tax Number Matters More Than You Think Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our Money Evolution Comprehensive Financial Plan: https://moneyevolution.com/money-evolution-plan/ [--]. Learn more about our Retirement Planning"
YouTube Link 2025-03-29T12:00Z 60.2K followers, [----] engagements
"7 Strategies That Could Lower Your Retirement Risk In this Video. One of the biggest risks you'll face in retirement isnt just how much you saveit's whether that money will last as long as you do. In retirement risk means the possibility of running out of money later in life or having to significantly change your lifestyle if your assets don't perform as expected. In this article well cover seven key strategies you can use to reduce risk in retirementand stick around to the end because theres also a bonus eighth strategy that could make a big difference in protecting your financial future."
YouTube Link 2025-04-26T12:01Z 60.1K followers, [---] engagements
"Retirement Healthcare: How You Could Get an ACA Subsidy (Even with $2.5M in Assets) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money How much could you save on healthcare before Medicare In this video I walk through another case study showing how a couple with $2.5 million in retirement assets saved $96880 on Affordable Care Act premiums. Well break down: What ACA subsidies are and how they work The federal poverty level thresholds for [----] Why early retirees often overlook these"
YouTube Link 2025-10-11T10:15Z 60.2K followers, [---] engagements
"What Is My Retirement Tax Bracket In this video Bill answers one of our most asked questions What will my tax bracket be in retirement Stick around for this walkthrough guide to help yourself estimate your retirement tax bracket. Thank you for watching Please like the video and subscribe to the channel if you enjoy the content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content"
YouTube Link 2023-04-08T13:00Z 60.2K followers, 18.4K engagements
"6 Types Of Non-Taxable Retirement Income Stick around to learn about [--] different types of income that can't be taxed while you are in retirement Thanks for watching If you enjoyed the video please subscribe to the channel for weekly content Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. Our WealthVision Comprehensive"
YouTube Link 2023-10-25T05:42Z 58.9K followers, 10.5K engagements
"Immediate Annuities #immediate annuities #deferred income annuities #retirement income planning One of the most important aspects of retirement planning is how to create a predictable source of income for your lifestyle needs. Traditionally bonds were the go to way for retirees to generate income for their retirement and also to provide some safety from the stock market. In this Video I explain immediate annuities and deferred income annuities. In this video. ** Pros and Cons of Immediate annuities and deferred income annuities ** Understanding options for creating your retirement income"
YouTube Link 2023-10-23T22:25Z 58.9K followers, [----] engagements
"Introduction To Annuities (2019) https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money #Annuity #Retirement #Retirement Income If you're planning for retirement chances are that you have probably heard about annuities. Maybe you are considering an annuity for your retirement or maybe you already own one. There is a lot of information out there about annuities and a lot of different opinions about them. In this introduction to annuities you will learn. **** What is an annuity **** The pros"
YouTube Link 2019-03-13T00:45Z 60.2K followers, 154.7K engagements
"No Tax on Overtime: What the New Tax Law Means For You The One Big Beautiful Bill Act includes a major tax change that could benefit millions of workers a new deduction for overtime pay. In this video I break down how this deduction works including the cap per individual and key rules of the provision. If you or your spouse earn overtime this could be a valuable way to reduce your taxable income between [----] and [----]. Watch to learn how to take advantage of it. Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel"
YouTube Link 2025-07-30T22:30Z 60.2K followers, [---] engagements
"Step [--] to Building a Confident Retirement Withdrawal Plan Step [--] to Building a Confident Retirement Withdrawal Plan https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money Once you understand where you are and where you want to go its time to dial in your retirement plan. This means testing your assumptions and making sure your plan has a high level of confidence that youll be able to reach your goals. That might mean delaying retirement a couple of years adjusting spending or if things"
YouTube Link 2025-10-09T14:45Z 60.2K followers, [---] engagements
"Roth Investments are Better Than Traditional Money Evolution [----] Traditional or Roth Which type of investment is best for me In this video Bill helps you answer these questions by breaking down [--] hypothetical scenarios that can help you determine if traditional investments Roth investments or a blend of the two would be right for you. --------------------------------------------------------------------------------------------------------------- Thanks for watching Here are a few ways that we might be able to help. [--]. Watch our free educational videos here on our YouTube Channel"
YouTube Link 2024-08-31T11:00Z 60.1K followers, [---] engagements
"How To Manage Your Retirement Withdrawal Bucket Strategy In this video you'll learn how to build and manage a retirement bucket strategy to create reliable income and protect your portfolio throughout retirement. Discover how to structure your buckets and keep your plan strong through market ups and downs. Thanks for Watching Here's A Few Ways We Might Be Able To Help: [--]. Watch our free educational videos here on our YouTube Channel https://www.youtube.com/channel/UCPrKtnGkBecj3wwFuLOiaZg [--]. Money Evolution Facebook Page. Additional investment and retirement planning content including Live"
YouTube Link 2025-04-30T22:00Z 60.1K followers, [---] engagements
"Tactical Vs Strategic Asset Allocation Thank you for watching Please subscribe to our channel if you like the content. Retirement planning can seem overwhelming and it's hard to know where to start. I am passionate about retirement planning and financial Education Here are a few ways that we might be able to help; [--]. Watch our free educational videos here on our YouTube Channel [--]. Like the Money Evolution Facebook Page. Additional investment and retirement planning content including Live Stream Market updates not on the YouTube Channel. https://www.facebook.com/moneyevolutionlive [--]. The"
YouTube Link 2018-07-26T13:04Z 60.2K followers, 10.7K engagements
"How Roth Conversions can help avoid a Tax Time Bomb https://www.RetirementTimeMachine.com Learn How To Create A High-Level Plan For Your Retirement That's Not Connected With Where You Choose To Invest Your Money If youve saved heavily into traditional retirement accounts like a 401(k) or IRA Required Minimum Distributions (RMDs) could create big tax problems later in retirement especially once youre forced to start taking them. In this video we use our financial planning software (eMoney) to show how a hypothetical couple Steve and Sandy faces skyrocketing RMDs and rising tax brackets later"
YouTube Link 2025-09-06T23:20Z 60.2K followers, [---] engagements
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