The Atomic Retirement podcast

#Trading #Business #Podcasting Education #News #Ryan Kilkenny #Retirement #Retirement Income #Roth Conversions #Tax Planning #Investing #401(k)s #Roth IRAs #Health Savings Account #Social Security #Medicare #Long Term Care #Insurance #Estate Planning

35:24

Let’s talk about adulting— actual adulting. Not just paying bills or keeping a houseplant alive, but the kind that involves emotional maturity, healthy boundaries, and conscious self-leadership. Because let’s be honest, most of us weren’t taught how to be fully functioning adults… and it shows. Joining us is Michelle Chalfant , licensed therapist turned holistic life coach, creator of The Adult Chair® model, and author of the new book The Adult Chair: Get Unstuck, Claim Your Power, and Transform Your Life . With millions reached through her podcast, coaching programs, and retreats, she’s here to walk us through the five pillars of being a healthy, grounded adult. Here’s the truth: being an adult isn’t about checking boxes or pretending you’re fine. It’s about owning your truth. Feeling your feelings. Practicing compassion without letting yourself off the hook. It’s about setting firm boundaries—with no need for justification—and recognizing that your triggers are not flaws, they’re clues. None of us were handed a guidebook for how to grow up emotionally. We inherited patterns from people who were figuring it out as they went. But what Michelle shares today is empowering: it’s never too late to unlearn what no longer serves you and become the adult you were meant to be. Whether you’re starting this work or knee-deep in your personal development era, this episode will meet you where you are—and help you move forward with clarity, self-trust, and strength. Connect with Michelle: Website: https://theadultchair.com/ Book: https://theadultchair.com/book IG: https://www.instagram.com/themichellechalfant/?hl=en FB: https://www.facebook.com/@TheMichelleChalfant/ YouTube: https://www.youtube.com/c/michellechalfant Related Podcast Episodes: How To Build Emotionally Mature Leaders with Dr. Christie Smith | 272 Boundaries vs. Ultimatums with Jan & Jillian Yuhas | 297 Gentleness: Cultivating Compassion for Yourself and Others with Courtney Carver | 282 Share the Love: If you found this episode insightful, please share it with a friend, tag us on social media, and leave a review on your favorite podcast platform! 🔗 Subscribe & Review: Apple Podcasts | Spotify | Amazon Music Learn more about your ad choices. Visit megaphone.fm/adchoices…

The Atomic Retirement Podcast

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The Atomic Retirement is the go-to podcast for smart, tax-savvy retirement planning. Hosted by Marine Corps veteran and financial planner Ryan Kilkenny, this show helps people over 50 navigate the complex world of retirement, Social Security, Medicare, and tax-efficient investing.

Whether you're wondering when to claim Social Security, how to lower taxes in retirement, or how to create a reliable income stream, this podcast gives you clear, actionable advice to help you retire with confidence.

Each episode covers topics like:

✔️ Tax-saving retirement strategies to keep more of your money
✔️ Smart investment moves for a secure financial future
✔️ Medicare and Social Security tips to maximize your benefits
✔️ Retirement income planning so you never run out of money
✔️ Common mistakes to avoid when transitioning to retirement

Your retirement shouldn’t be a guessing game.

Subscribe now and start building your Atomic Retirement!

38 епізодів

The Atomic Retirement Podcast

updated рік тому

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Each episode covers topics like:

Your retirement shouldn’t be a guessing game.

Subscribe now and start building your Atomic Retirement!

38 епізодів

Усі епізоди

The Atomic Retirement Podcast

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38. Your Downmarket Playbook: Six Things Smart Investors Do When Markets Crash 18:41

10 weeks тому18:41

18:41

The market is falling—again. So what should you actually do when things get rocky? In this episode, you'll hear a simple, practical playbook for staying calm, staying invested, and making smart moves during market downturns. Backed by 150+ years of market history and real investor behavior, you’ll learn why crashes aren’t as rare (or as scary) as they seem—and six proactive things you can do to come out stronger on the other side. If you’ve ever asked yourself, “Should I be doing something right now?” —this episode is for you. Episode Resources What We've Learned From 150 Years of Stock Market Crashes Fear & Greed Index S&P 500 Price Return and Dividends Since 1960 Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement.…

The Atomic Retirement Podcast

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37. Is Your IRA an IOU to the IRS? 14:14

14 weeks тому14:14

14:14

Most people think they've done everything right by saving in a traditional IRA or 401(k). But what if I told you that a big portion of your retirement savings actually belongs to the IRS? In this episode, we'll break down a recent CNBC article featuring insights from IRA expert Ed Slott, who calls traditional IRAs "the worst possible asset" for retirement. Here’s what you’ll learn: ✔️ Why your IRA is an IOU to the IRS ✔️ How Required Minimum Distributions (RMDs) can push you into higher tax brackets ✔️ When a Roth conversion makes sense ✔️ The importance of building tax diversification with Roth accounts and brokerage accounts If you want to keep more of your hard-earned wealth and pay less in taxes in retirement, this is one episode you don’t want to miss. Episode Resources CNBC Article Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement.…

The Atomic Retirement Podcast

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36. 10 Tax Myths That Could Be Costing You Thousands 17:33

15 weeks тому17:33

17:33

Think you know how taxes work? Some of the most common tax "facts" people believe are actually costing them money. In this episode, we’re diving into 10 of the biggest tax myths to set the record straight. We’ll cover: ✅ Why being in a higher tax bracket doesn’t mean all your income is taxed at that rate ✅ The reason many retirees end up paying more in taxes than expected ✅ The truth about Social Security taxes, inheritance taxes, and tax refunds ✅ How simple tax misunderstandings can lead to big penalties and missed savings ✅ What you can do right now to avoid common tax traps If you want to keep more of your hard-earned money and avoid unnecessary tax surprises, this episode is for you. Episode Resources 10 Common Tax Myths Debunked Better Business Bureau Directory of Federal Tax Return Preparers How to Detect and Block Spam Callers on an iPhone Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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35. Collecting Over $2 Million in Social Security Benefits (And How to Calculate Yours) 13:00

16 weeks тому13:00

13:00

Most retirees don’t realize just how valuable Social Security can be—or how much strategy goes into maximizing those benefits. In this episode, we break down a real-life case study of a couple I work with, let's call them James and Elizabeth. Thanks to a smart claiming strategy, they’re projected to collect over $2.4 million in lifetime Social Security benefits. We’ll walk through: ✔️ Why the higher-earning spouse should consider delaying benefits ✔️ How spousal and survivor benefits can significantly boost lifetime income ✔️ The impact of cost-of-living adjustments (COLAs) on long-term benefits ✔️ How to check your Social Security statement and calculate your own benefits Are you making the most of your Social Security? Learn how to run your own numbers and avoid leaving money on the table. Episode Resources Social Security Administration Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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34. Why You Should Freeze Your Credit Today (And How To Do It In 15 Minutes) 13:41

18 weeks тому13:41

13:41

Freezing your credit is one of the easiest and most effective ways to protect yourself from fraud and identity theft, and the best part? It’s free and only takes 15 minutes. In this episode of The Atomic Retirement Podcast, you'll learn: ✅ What a credit freeze is and how it helps protect you from fraud ✅ Step-by-step instructions on how to freeze your credit at all three major bureaus ✅ Additional ways to protect yourself from fraud, scams, and data breaches With data breaches happening daily and identity theft on the rise, taking a few minutes today can save you months or years of financial headaches. Episode Resources Experian Credit Freeze Experian's number (888) 397-3742 Equifax Credit Freeze Equifax's number (888) 298-0045 TransUnion Credit Freeze TransUnion's number (800) 916-8800 Identify Theft Resource Center's 2024 Annual Data Breach Report AnnualCreditReport.com Lastpass 1Password CreditKarma ProtonVPN Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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33. 7 Reasons Why a Roth Conversion Might Be a Bad Idea 22:36

19 weeks тому22:36

22:36

Roth conversions are often touted as a smart tax move—but are they always the right choice? Not necessarily. In this episode, we’re breaking down 7 situations where a Roth conversion might actually cost you more in taxes than it saves you. You’ll learn: ✅ Why a partial Roth conversion is probably smarter than going all in ✅ How your income two years ago impacts your Medicare premiums ✅ Why you might regret converting if you plan to donate to charity ✅ How future medical and long-term care expenses could make keeping IRA dollars more tax-efficient ✅ The tax trap of converting before moving to a no-tax state Before you convert your IRA, make sure you’re not making a costly mistake. Tune in to find out how to make the best decision for your retirement. Episode Resources When Roth Conversions Make No Sense Form SSA-44, Medicare Income-Related Monthly Adjusted Amount Life-Changing Events Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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32. Warren Buffett’s Estate Plan: 10 Lessons You Need to Know 15:09

20 weeks тому15:09

15:09

Warren Buffett has spent a lifetime building wealth—but his greatest financial lesson isn’t about investing. It’s about what happens after you’re gone. In a recent letter, Buffett revealed key details about his estate plan, why he’s giving most of his fortune to charity, and the steps he’s taken to prevent confusion and conflict for his family. His biggest lesson? Estate planning isn’t just about money—it’s about protecting the people you love. In this episode, we break down 10 estate planning lessons from Buffett’s letter , including: ✔ Why your will should never be a surprise to your family ✔ The importance of naming a successor trustee to avoid legal headaches ✔ How Buffett’s “unanimous vote” rule protects his heirs from pressure and bad decisions ✔ Why trying to control your wealth from the grave can backfire ✔ How to create an estate plan that strengthens family bonds instead of tearing them apart Whether you have millions to pass down or just want to avoid family stress, this episode will help you take action and create a plan that works. Tune in to learn how to protect your legacy—and your loved ones. Episode Resources Warren Buffett's Gifting Letter to Shareholders Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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31. Should You Claim Social Security Early to Invest It? 15:07

21 weeks тому15:07

15:07

Should you claim Social Security early and invest the money, or wait for a higher monthly benefit? What about using annuities to supplement your income? In this episode, we break down the numbers, risks, and real-life considerations to help you make the best decision for your retirement. Plus, learn about an exciting new Social Security change that benefits millions of Americans—especially retirees like firefighters, teachers, and police officers. What You’ll Learn: The pros and cons of claiming Social Security early. How to decide if waiting for a higher benefit is worth it. Why annuities might (or might not) be part of your strategy. If you’re planning for retirement, this episode is packed with practical tips and actionable advice you won’t want to miss. Episode Resources Delay Social Security, Invest More or Buy an Annuity: What's Best for Retirement Income? Breakeven Returns For Delayed Social Security Claiming Social Security Fairness Act Signed Into Law by Biden, Enhancing Retirement Benefits for Millions Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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30. 6 Tax Breaks After 50 That Could Save You Thousands 20:27

22 weeks тому20:27

20:27

Did you know taxes could be your largest retirement expense? If you’re over 50, you’re in a prime position to take advantage of powerful tax breaks that can save you thousands—but many people miss these opportunities and end up overpaying. In this episode, we’ll uncover 6 key tax strategies to help you keep more of your hard-earned money, including: Catch-Up Contributions: Maximize your retirement savings. Qualified Charitable Distributions (QCDs): Support causes you care about while lowering your tax bill. And more proven ways to reduce taxes in retirement. If you’re nearing retirement, this episode is packed with must-know tips to help you minimize taxes and maximize your wealth. Episode Resources 6 Tax Breaks After 50 You Can't Afford to Miss Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Get Atomic Ideas Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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29. Financial Regrets and Wisdom from Americans Over 80 7:55

23 weeks тому7:55

7:55

Ever wonder what people in their 80s and 90s wish they’d done differently with their money? In this episode, we explore their financial wisdom and regrets—from outliving their savings to navigating unexpected life changes like divorce and career shifts. These heartfelt stories highlight the importance of planning for the unexpected and making the most of your wealth while you can. You’ll gain: Practical tips to avoid common financial mistakes. Insights on how to prepare for life’s surprises. Strategies to create a retirement plan you won’t regret. It’s never too late—or too early—to learn from those who’ve been there. Episode Resources The Financial Regrets and Wisdom of Americans Over 80 Average Car Payment and Auto Loan Statistics Don't Miss Out: Smart Retirement Savers Read Atomic Ideas Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies. Sign Up for Free Ready to Create Your Atomic Retirement? Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included? Tax Return Review Investment Check-Up Retirement Income Analysis Get Your Free Atomic Retirement Roadmap Share Your Thoughts Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!…

The Atomic Retirement Podcast

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28. How Investors Can Earn Better Investment Returns with Ashby Daniels 42:12

48 weeks тому42:12

42:12

Better investment returns (we all want them). Today we're discussing how to be a more successful long-term investor and I'm joined by Ashby Daniels, a financial planner and the mastermind behind Money Visuals. Money Visuals is Ashby's creative outlet where he shares wisdom and timeless ideas for long-term investors. We can learn many important lessons from the world's greatest investors and I can't think of someone better to share them with you than Ashby. Whether you're new on your investing journey, have been doing this for a while, or are a financial planner, today's episode is for you. So join us as Ashby shares practical advice and tips that can help you increase your investment returns and your probability of achieving your financial goals. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned MoneyVisuals Twitter MoneyVisuals LinkedIn Start Your Atomic Retirement Journey Follow Ryan on Threads Follow Ryan on LinkedIn Follow Ryan on Twitter Get Atomic Ideas Ask Ryan a Money Question…

The Atomic Retirement Podcast

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27. Making Memories and Creating Your Dream Vacation with Mark Comfort 56:50

2 years тому56:50

56:50

When it comes to bringing people together, few things can match the magic of food, music, and, of course, the thrill of vacationing. Today we're talking about vacationing and I'm joined by Mark Comfort, an industry expert with more than 30 years of experience helping people create memories that last a lifetime. Mark has traveled to 108 countries and he and his wife Mimi are the owners of Cruise Holidays and Comfort Tours and Travel in Kansas City. They specialize in ocean cruises, river cruises, all-inclusive resorts, and custom land-based vacations, and they transform ordinary vacations into extraordinary journeys, taking people on thrilling adventures across the globe. If you're looking for ideas for your next family vacation or would like help planning one, today's episode is for you. So grab your passport and join us as Mark shares a few of his vacation secrets, favorite destinations, and unlocks the keys to a life filled with adventure. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned Cruise Holidays and Comfort Tours and Travel Website Facebook Page Instagram Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Question…

The Atomic Retirement Podcast

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26. The High Price Retirees Pay for Collecting Social Security Too Early 9:27

2 years тому9:27

9:27

One of the most important decisions you will make in retirement is deciding when to collect your Social Security benefits. Social Security is a guaranteed lifetime annuity designed to pay you an inflation-protected income for as long as you live. But figuring out when to collect payments, especially if you are eligible for multiple benefits or coordinating with a spouse, can be nearly impossible. And here is the hard truth. Most retirees are giving up tens of thousands or even hundreds of thousands of dollars because they collect their benefits too early. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned The High Price Retirees Pay for Collecting Social Security Too Early Social Security Administration Website Social Security Cost-of-Living Adjustment (COLA) Information What is FICA? Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Question…

The Atomic Retirement Podcast

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25. Buying and Selling a Home with Kiley Willis 40:43

2 years тому40:43

40:43

Today we're talking all things real estate with Kiley Willis. Kiley is a realtor at ReeceNichols Plaza in Kansas City (licensed in both Kansas and Missouri), and she is one of Kansas City's top real estate producers. Last year she was the top-ranked solo agent by sales volume at her old brokerage. And since 2016, she has sold more than 220 homes valued at nearly $60M in sales volume. If you have questions about buying or selling a home in this higher interest rate environment and you're not sure where to start, I think you're going to get a lot of value out of our conversation. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned Kiley Willis at ReeceNichols Plaza Kiley Willis Facebook Page Kiley Willis Instagram Page Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Question…

The Atomic Retirement Podcast

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24. What You Can Learn from Your 1099 Forms 14:47

2 years тому14:47