🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what John actually thinks.

Here's some of what we discuss in this episode:

⚠️ Eight Percent: Simple math overlooks major risks

📉 Market Reality: Strong averages hide uneven returns

📊 Volatility Matters: Withdrawal plans need clear guardrails

✅ Practical Suggestion: Match withdrawals to actual needs

Ramsey's 8% Retirement Rule Sounds Nuts At First

https://finance.yahoo.com/news/ramsey-8-retirement-rule-sounds-170209842.html

Get in touch:

Phone: 661-775-3704

Book an appointment with us: http://bookachatwithjohn.net

Get in touch with us: https://mearsmoney.com/

Watch the Podcast on YouTube: https://bit.ly/3PmcOPM

Check out John's FREE Books: https://je9gekmc.pages.infusionsoft.net/

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net

Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation, not to tear it apart, but to react honestly. Does John agree? Let's get into it: 3.7 million people watched this video for a reason. It touches something real. Retirement isn't just about what you've accumulated. Sometimes it's about what you're willing to let go of.

Here's some of what we discuss in this episode:

🏡 Downsizing: Is a smaller home better?

👨‍👩‍👧 Adult Children: Helping without sacrificing retirement

🚤 Expensive Hobbies: When passions become burdens

🚗 Second Car: Do you really need it?

🪪 Work Identity: Finding purpose after retirement

⚖️ Life Changes: Trade-offs create opportunities

Get in touch:

Phone: 661-775-3704

Book an appointment with us: http://bookachatwithjohn.net

Get in touch with us: https://mearsmoney.com/

Watch the Podcast on YouTube: https://bit.ly/3PmcOPM

Check out John's FREE Books: https://je9gekmc.pages.infusionsoft.net/

SpaceX. OpenAI. These and other names have been dominating the headlines. The IPO market is heating up, and clients are asking questions. Today we're keeping it simple. What do retirees and pre-retirees need to understand about IPOs before they get caught up in the excitement?

Here's some of what we discuss in this episode:

🚀 IPO Basics – Understanding how companies go public

💰 Why Companies IPO – Raising capital and rewarding early investors

📈 SpaceX Hype – Why investors are paying attention

😨 FOMO Factor – The emotional side of investing

⚠️ Volatility Risk – Why IPOs can be unpredictable

🧩 Fun Money Strategy – How speculative investments can fit responsibly

Get in touch:

Book an appointment with us: http://bookachatwithjohn.net

Get in touch with us: https://mearsmoney.com/

Watch the Podcast on YouTube: https://bit.ly/3PmcOPM

Check out John's FREE Books: https://je9gekmc.pages.infusionsoft.net/