Links

Note: According to the Federal Register, book-entry I Bonds are based on the current redemption value of a $100 I Bond, but the paper I bond is in turn calculated by units of $25. Go figure!

Episode 65: Hold on for Dear Life! (No Links)

Episode 66: My Whole Life

https://www.iii.org/article/life-insurance-basics

https://www.northwesternmutual.com/life-and-money/life-insurance-guide/#chapter-1

Episode 67: Independence Day is No Picnic

https://www.cnbc.com/2022/05/31/25percent-of-americans-are-delaying-retirement-due-to-inflation.html

https://newsroom.bmoharris.com/2022-05-31-BMO-Real-Financial-Progress-Index-Inflation-Causing-a-Quarter-of-Americans-to-Delay-Retirement

https://www.allianzlife.com/about/newsroom/2022-press-releases/younger-americans-feeling-financially-at-risk-while-retirees-emerge-resilient

https://www.moneytalksnews.com/slideshows/why-people-retire-earlier-than-planned/

https://www.ebri.org/docs/default-source/rcs/2022-rcs/2022-rcs-summary-report.pdf

https://www.nerdwallet.com/article/investing/deferred-compensation

Episode 68: Changing Definitions

https://www.atlantafed.org/cqer/research/gdpnow.aspx

https://slate.com/news-and-politics/2008/09/the-difference-between-a-depression-and-a-recession.html

https://www.nber.org/research/business-cycle-dating

https://www.cnn.com/2022/06/30/economy/recession-economists-nber/index.html

https://www.wsj.com/articles/federal-reserve-ignored-the-money-supply-and-inflation-recession-coming-11657210800

https://www.bls.gov/news.release/empsit.nr0.htm

Episode 69: Expecting the Unexpected

No links, just one personal story.

Episode 70: How Do You Spell "WOKE"?

What Is Critical Race Theory? And Does It Fulfill the Civil Rights Movement or Betray It?

https://bit.ly/3J9KnS0

The DEI Regime:

https://bit.ly/3OAcbji

Biden’s ESG Tax on Your Retirement Fund

https://on.wsj.com/3z8SLwf

Episode 71: What Do You Fear?

https://www.morningstar.com/articles/1097701/how-much-does-high-inflation-really-affect-retirees

https://www.axios.com/2022/07/18/recession-worse-inflation-progressive-economists-argue

https://www.ft.com/content/31b15e03-929f-40c1-b2f8-782df4bd6e37

https://retirementincomejournal.com/article/a-recessions-threat-to-retirees-and-near-retirees/

Episode 72: Too Hot to Handle!

https://www.wsj.com/articles/jobs-report-to-keep-fed-on-aggressive-tightening-path-11659714646

https://www.reuters.com/markets/us/feds-mester-says-she-wants-get-policy-rate-little-above-4-2022-08-04/

https://www.marketwatch.com/story/feds-mary-daly-says-i-dont-feel-the-pain-of-inflation-anymore-heres-the-full-context-of-her-remarks-11659553509

Dr. Wade Pfau's book:

https://read.amazon.com/kp/embed?asin=B09FFQCDXY&preview=newtab&linkCode=kpe&ref_=cm_sw_r_kb_dp_TXE35DSZ8C3S95GZ0E3K

Episode 73: Where is Inflation Heading?

https://www.wsj.com/articles/five-not-quite-impossible-things-the-market-believes-11660655208?st=0brvudjp4twq3l4&reflink=desktopwebshare_permalink

https://www.cnbc.com/2022/08/09/inflation-spiral-seen-breaking-in-july-helped-by-lower-energy-prices.html

https://www.marketwatch.com/story/the-good-news-on-inflation-that-everybody-missed-1165833920

https://www.yardeni.com/pub/expectinflat.pdf

https://www.newyorkfed.org/newsevents/news/research/2022/20220808

https://fred.stlouisfed.org/graph/?g=SSZh

https://data.sca.isr.umich.edu/fetchdoc.php?docid=70221

https://www.philadelphiafed.org/surveys-and-data/real-time-data-research/survey-of-professional-forecasters

https://www.federalreserve.gov/monetarypolicy/fomcminutes20220727.htm

Episode 74: That New Law Affects ACA and Medicare

https://www.kff.org/policy-watch/five-things-to-know-about-renewal-of-extra-affordable-care-act-subsidies-in-inflation-reduction-act/

https://www.kff.org/medicare/understanding-the-health-provisions-in-the-senate-reconciliation-legislation/

https://squaredawayblog.bc.edu/squared-away/good-riddance-medicare-donut-hole/

https://www.fiercehealthcare.com/payers/urban-institute-part-d-2000-out-pocket-cost-cap-could-benefit-nearly-1m-seniors

https://www.healthinsurance.org/obamacare/beware-obamacares-subsidy-cliff/

Episode 75: Caution: Some Pain Ahead

and

Episode 76: Rebalancing Buckets in a Dizzy Market

See links above for Episodes 47 and 48 for Portfolio Visualizer and Boglehead discussions.

Episode 77: Buy I Bonds in September for Best Inflation Fighter

See blog's by David Enna, Tipswatch:

https://tipswatch.com/2022/09/13/u-s-inflation-rose-0-1-in-august-what-it-means-for-tips-i-bonds-and-social-security-cola/

I also go through the spreadsheeet I used to automate the formula I learned from Jennifer’s Diamond Nestegg You Tube video:

https://youtu.be/9hfHoSijJEk

Episode 78: Historically High I Bond Rates!

No links, just visit www.treasurydirect.gov and open an account!

Episode 79: Time to Shop for Your Part D Plan!

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2022/

https://www.prnewswire.com/news-releases/older-adults-could-save-money-by-evaluating-their-medicare-plan-during-open-enrollment-301640316.html

https://newsroom.cigna.com/cigna-expands-medicare-advantage-plans-2023-giving-americans-more-care-choices-personalization-support

https://www.kff.org/medicare/issue-brief/how-will-the-prescription-drug-provisions-in-the-inflation-reduction-act-affect-medicare-beneficiaries/

https://www.medicare.gov/about-us/inflation-reduction-act

https://www.cms.gov/newsroom/news-alert/cms-releases-2023-projected-medicare-basic-part-d-average-premium

Episode 80: Giving Some I Bond Flexibility

https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/

Episode 81: Getting Ready for Medicare in 2023

Go to www.medicare.gov and use the Plan Finder!

Episode 82: I Bond Gift Strategy Still Works!

https://www.bogleheads.org/forum/viewtopic.php?p=6920956

https://treasurydirect.gov/indiv/tools-videos/deliver-gift-savings-bonds/

https://www.ecfr.gov/current/title-31/subtitle-B/chapter-II/subchapter-A/part-363

Episode 83: Don't Fight the Fed or the Phillies!

https://www.reuters.com/markets/us/feds-evans-need-get-policy-rate-bit-above-45-then-hold-2022-10-21/

https://www.reuters.com/markets/us/fed-hike-by-75-bps-again-nov-2-should-pause-when-inflation-halves-economists-2022-10-25/

https://reason.com/2022/10/27/the-experts-were-never-going-to-fix-inflation/

https://www.wsj.com/articles/whats-the-inflation-rate-its-a-surprisingly-hard-question-to-answer-11666789201?st=dwfxwkclolitiue&reflink=desktopwebshare_permalink

Episode 84: Inside Baseball on I Bonds and Inflation

https://tipswatch.com/2022/11/01/treasury-sets-i-bonds-new-fixed-rate-at-0-4-composite-rate-is-now-6-89/

https://www.cnet.com/google-amp/news/i-bonds-should-stay-popular-at-their-new-rate-how-to-buy-savings-bonds/

https://thefinancebuff.com/when-to-sell-i-bonds.html

https://www.marketwatch.com/story/why-did-inflation-surge-to-a-40-year-high-here-are-4-causes-of-the-worst-monetary-policy-mistake-in-years-11667318263?reflink=mw_share_twitter

https://www.wsj.com/articles/transcript-fed-chief-powells-postmeeting-press-conference-11667422099?mod=Searchresults_pos9&page=1

https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html

https://www.newyorkfed.org/markets/reference-rates/effr

Episode 85: How Fast? How High? How Long?

https://twitter.com/IwasRetired

Episode 86: Signing Up for ACA Obamacare for 2023

https://www.kff.org/interactive/subsidy-calculator/

https://www.healthcare.gov/see-plans/#/

https://nj.gov/getcoverednj/financialhelp/savings/

Episode 87: Will the Fed Put a Cap on Inflation?

https://www.bloomberg.com/news/articles/2022-11-18/wall-street-economists-split-on-whether-fed-cuts-rates-in-2023?sref=cv51C53O

https://finance.yahoo.com/news/fed-lift-rates-50-basis-000952073.html

https://www.clevelandfed.org/indicators-and-data/inflation-nowcasting

https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html?redirect=/trading/interest-rates/countdown-to-fomc.html

Episode 88: It NEVER Pays to Procrastinate!

https://smartasset.com/financial-advisor/6-89-i-bonds-will-beat-9-62-i-bonds

Episode 90: Physician, Heal...Myself?

https://www.physicianonfire.com/net-worth-tracker/

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 91: How Much are You Down for the Year?

See YouTube channel Finally Learn for its video on CAGR (Compound Annual Growth Rate).

https://youtu.be/7cHh_nOFFis

Episode 92: New Portfolio by Buckets Spreadsheet Overview

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 93: Is the Market Fighting the Fed?

https://www.cmegroup.com/markets/interest-rates/cme-fedwatch-tool.html?redirect=/trading/interest-rates/countdown-to-fomc.html

https://www.bls.gov/news.release/cpi.nr0.htm

https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20221214.pdf

Episode 94: My Plan to Sell I Bonds in 2023

https://tipswatch.com/2023/01/03/i-bonds-a-not-so-simple-buying-guide-for-2023/

https://treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/

https://thefinancebuff.com/when-to-sell-i-bonds.html

Episode 95: Should I Still Wait for 70? Social Security Update

https://sgp.fas.org/crs/misc/R44670.pdf

https://www.ssa.gov/benefits/retirement/planner/1960.html

https://www.ssa.gov/OACT/anypia/index.html

(Online calculator here:)

https://www.ssa.gov/benefits/retirement/planner/AnypiaApplet.html

https://www.fidelity.com/viewpoints/retirement/social-security-at-62

Episode 96: 9 Ways SECURE 2.0 Will Change Retirement

https://www.schwab.com/learn/story/secure-20-how-does-it-affect-retirement-plans

https://youtu.be/-HI9IEfDv-s

https://www.eisneramper.com/secure-2-act-retirement-plans-0123/

https://www.wellsfargo.com/the-private-bank/insights/apu-secure-act/

https://www.kiplinger.com/retirement/bipartisan-retirement-savings-package-in-massive-budget-bill

Episode 97: Hawks, Doves, and Poppycock!

https://www.clevelandfed.org/collections/speeches/2023/sp-20230216-returning-to-price-stability-in-it-to-win-it-sarasota

https://www.itcmarkets.com/hawk-dove-cheat-sheet-2/

https://www.cnn.com/2023/01/30/economy/fed-fomc-2023-makeup/index.html

https://www.wsj.com/articles/lael-brainards-fed-departure-could-leave-immediate-imprint-on-monetary-policy-3a349e65?st=o6x216suyd9if2y&reflink=desktopwebshare_permalink

Episode 98: Should My Wife File at 62?

https://www.youtube.com/watch?v=PVuCMVEbjNA&t=9s

https://www.opensocialsecurity.com/

https://www.newretirement.com

https://www.newretirement.com/retirement/are-you-relying-too-heavily-on-social-security-in-your-retirement-plan/

Some of the challenges:

https://www.kiplinger.com/retirement/social-security/602606/social-security-earnings-tests-4-things-you-must-know

https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/im-62-and-already-collecting-social-security-are-my-social-security-benefits-counted-in-determining-my-eligibility-for-subsidies-in-the-marketplace/

https://www.nolo.com/legal-encyclopedia/reduction-social-security-early-retirement-the-self-employed.html

https://www.youtube.com/watch?v=bJuA-7EL6mI&t=14s

https://www.socialsecurityintelligence.com/calculators/social-security-break-even-calculator/

Fidelity Social Security calculator:

https://digital.fidelity.com/stgw/digital/planning/retirement/guided-retirement-path/social-security

https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/GRP Social Security Methodology.pdf

https://www.retirebeforedad.com/newretirement-review-retirement-calculator/

https://www.theretirementmanifesto.com/how-to-determine-when-to-claim-social-security/.

Episode 99: 3 Big Mistakes in your 40s, 50s, and 60s

No links.

Episode 100: Where to Stash Cash and Where NOT!

https://youtu.be/8u0x2W5oCQ8

https://youtu.be/uR8LVJlpGyk

Episode 101: Where will the Fed Take Interest Rates Next?

No links.

Episode 102: How to Redeem an I Bond

https://youtu.be/9iLrfEsiZio

Episode 103: Don't Buy I Bonds in 2023!

Episode 104: When to Redeem an I Bond

Episode 105: Reconsidering my DIY Retirement

No links.

Episode 106: Rebuilding my DIY Retirement Withdrawal Strategy Spreadsheet, Part 1

Episode 107: Real Simple Tools in My DIY RWS Spreadsheet: Part 2

Episode 108: How Much Will You Pay in Taxes? My DIY RWS Spreadsheet: Part 3

https://sites.google.com/view/iwasretired/resources/spreadsheets

Episode 109: Pros and Cons of DIY Retirement Planning

Episode 110: Don't Assume You Know the Assumptions! A Personal Capital Review

if you would like to try Personal Capital, you and I could earn a $20 Amazon gift certificate. I am not being paid by Empower for this review, other than this sharing credit open to all users. Click below and link at least one retirement account to qualify:

https://empowerreferral.link/jim762

Learn more about Empower at its main website:

https://www.empower.com/empower-personal-wealth-transition

Episode 111: NewRetirement: A Financial Plan in a Box!

https://www.newretirement.com/retirement/home

Here are a few more YouTube video reviews of this excellent, affordable product:

https://www.youtube.com/live/54yyFNQyf8s?feature=share

https://youtu.be/doCnGK1Fwm0

https://youtu.be/Dpn2VWY0bvk

Some bonus links:

https://www.modestmoney.com/newretirement-review/

https://thecollegeinvestor.com/33680/newretirement-review/

https://www.reddit.com/r/retirement/comments/zxhpyc/anyone_using_newretirement_software_for_monte/

https://www.bogleheads.org/forum/viewtopic.php?t=393046

Episode 112: Let's See NewRetirement Social Security Explorer!

https://www.newretirement.com/retirement/home

https://www.opensocialsecurity.com/

Episode 113: NewRetirement vs. Open Social Security

See links above.

Episode 114: A Perspective on Inflation in Retirement

https://www.bea.gov for most recent PCE readings

Episode 115: How Long Do You Think You are Going to Live?

https://thehill.com/business/4076702-retirees-are-underestimating-how-long-they-will-live/

https://crr.bc.edu/project-page/national-retirement-risk-index/

https://crr.bc.edu/retirement-depressing-or-uplifting-its-up-to-you/

Episode 116: A Generational Shift in Retirement

https://news.northwesternmutual.com/2023-06-22-Americans-Believe-They-Will-Need-1-27-Million-to-Retire-Comfortably,-According-to-Northwestern-Mutual-Planning-Progress-Study

(Oops! Gen X median longevity age was 86, not 85!)

https://transamericacenter.org/retirement-research/23rd-annual-retirement-survey#multigenerationalworkforce

Episode 117: Advice for Gen Xers from a Boomer

https://www.aarp.org/retirement/planning-for-retirement/info-2023/generation-x-anxiety.html

https://www.cnbc.com/2023/06/13/retirees-biggest-fear-is-outliving-their-assets-research-finds.html

https://news.prudential.com/generation-x-confronts-harsh-new-reality-retirement-unreadiness.htm

https://filecache.mediaroom.com/mr5mr_nwmutual/178963/Financial%20states%20of%20America.pdf

Episode 118: The Catch with Catch-up Contributions

https://www.eric.org/wp-content/uploads/2023/07/Roth-Treasury-Transition-Letter-Final.pdf

https://www.uschamber.com/retirement/u-s-chamber-letter-on-roth-catch-up-transition-relief

https://www.wsj.com/articles/retirement-tax-breaks-401k-contributions-2868ffdc?mod=hp_lead_pos6

https://401kspecialistmag.com/401k-industry-still-pleading-for-delay-in-secure-2-0-catch-up-contribution-requirement/

https://institutional.vanguard.com/content/dam/inst/iig-transformation/has/2023/pdf/has-insights/how-america-saves-report-2023.pdf

Episode 119: ESPP and Other Ways to Max Out Savings

https://twitter.com/LTI_finance/status/1686539252732215296?s=20

https://www.financialplanningfortcollins.com/blog/nso-iso-rsu-espp-esop-equity-compensation/

https://us.etrade.com/knowledge/library/stock-plans/employee-stock-purchase-plan

https://www.naspp.com/blog/ESPP-features-pros-and-cons

https://www.nerdwallet.com/article/investing/espp

https://www.yahoo.com/video/4-types-equity-compensation-pros-140028469.html

https://www.fidelity.com/viewpoints/personal-finance/stock-plan-mistakes-to-avoid

Episode 120: This Fall, Redeem I-Bonds and Buy T-Bills

https://tipswatch.com/2023/08/06/the-i-bond-exit-ramp-is-now-open-proceed-with-caution/

https://www.bls.gov/web/cpi.supp.toc.htm

Episode 121: Should You File at 62 and Invest? A Social Security Update.

https://www.fool.com/retirement/2023/08/19/should-you-take-social-security-at-age-62-67-or-70/

https://www.fool.com/retirement/2023/08/19/only-10-plan-to-make-optimal-social-security-move/

https://www.fool.com/investing/2022/09/17/should-you-claim-social-security-early-to-invest/

https://www.thestreet.com/retirement-daily/planning-living-retirement/longevity-risk-the-new-retirement-planning-challenge-

https://www.kiplinger.com/retirement/when-is-the-right-time-to-file-for-social-security

https://www.kiplinger.com/retirement/reasons-to-claim-social-security-as-soon-as-you-retire

Plus, use the free PorfolioVisualizer to run your own tests!

https://www.portfoliovisualizer.com

Episode 122: Illustrating Spousal Benefits on Open Social Security

https://www.opensocialsecurity.com

Episode 123 has no links or spreadsheets.

Episode 124: Swapping I-Bonds for T-Bills and TIPS

https://eworkpaper.com/ibond

https://eyebonds.info/ibonds/home10000.html

https://docs.google.com/spreadsheets/d/1kPxYqe11i0kOdFEuQ3ggItVQcVC4Xvk-/edit#gid=1928911714

Episode 125: Is Early Retirement a Goal or a Risk?

https://creativeplanning.com/insights/retirement/retirement-earlier-expected/

https://www.fool.com/retirement/2023/08/28/3-scenarios-where-an-early-retirement-might-backfi/

https://www.investors.com/etfs-and-funds/retirement/forced-to-retire-early-what-to-do-now/

https://www.aarp.org/retirement/planning-for-retirement/info-2021/pre-early-retirement-reality-check.html

Episode 126: Dot's All, Folks!

https://www.itcmarkets.com/hawk-dove-cheat-sheet-2

https://www.reuters.com/graphics/USA-ECONOMY/FED/lgpdwawwzvo/

Episode 127: Should You Redeem an I-Bond Before the Government Shutdown?

https://www.wsj.com/politics/policy/what-happens-during-a-government-shutdown-4cc29885?st=gfx6jqsq9mgjrnb&reflink=desktopwebshare_permalink

https://www.brookings.edu/articles/what-is-a-government-shutdown-and-why-are-we-likely-to-have-another-one/

https://www.brookings.edu/articles/what-is-discretionary-spending-in-the-federal-budget/

https://crsreports.congress.gov/product/pdf/IN/IN12183

https://www.crfb.org/papers/government-shutdowns-qa-everything-you-should-know

https://www.pgpf.org/blog/2023/09/how-do-the-house-and-senate-appropriation-bills-differ

Episode 128: Where to Buy Your Treasuries, TreasuryDirect or a Broker?

https://www.bankrate.com/investing/time-to-sell-series-i-bonds/

https://www.investopedia.com/articles/bonds/08/treasuries-fed.asp

https://www.nerdwallet.com/article/investing/how-to-buy-treasury-bonds

https://www.aarp.org/money/investing/info-2022/how-to-buy-treasury-t-bills.html

https://www.kiplinger.com/personal-finance/savings/how-to-buy-treasury-bills

Episode 129: Medicare Part D Plans Are Changing for 2024

https://www.cms.gov/newsroom/fact-sheets/2024-medicare-parts-b-premiums-and-deductibles

https://www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-2024

https://aspe.hhs.gov/sites/default/files/documents/93a68f3c5ca949dcf331aa0ec24dd046/aspe-part-d-oop.pdf

https://data.cms.gov/tools/medicare-enrollment-dashboard

https://www.kff.org/medicare/issue-brief/key-facts-about-medicare-part-d-enrollment-and-costs-in-2023/

https://www.kff.org/medicare/issue-brief/how-medicares-new-drug-price-negotiation-program-could-expand-access-to-selected-drugs/

https://www.kff.org/medicare/issue-brief/changes-to-medicare-part-d-in-2024-and-2025-under-the-inflation-reduction-act-and-how-enrollees-will-benefit/

Episode 130: How to Buy Treasuries with Buckets and Ladders

(see prior links for bucket strategy)

Episode 132: Medigap Plan G vs Plan N Two Years Later

https://csg-actuarial-wordpress.appspot.com/news/average-medicare-supplement-rate-increases-by-plan/?fbclid=IwAR1XvvisicnSd2quf8VYh36EF6ijCU2dtmBhHwzUUGN378INtd8SaMx7DC

https://www.kff.org/medicare/issue-brief/how-many-physicians-have-opted-out-of-the-medicare-program/#methods

https://crsreports.congress.gov/product/pdf/R/R47552