Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

The mailbag is open! In this episode, Lee tackles real-world listener questions that hit on some of the most common dilemmas retirees face. First up: should you buy that RV with debt, or withdraw from your IRA and take the tax hit? Then, how do you know if a life insurance “investment” pitch is a smart opportunity or just a sales tactic to avoid?

Next, Lee addresses a common concern: what should you do with a large 401(k) balance when you don’t fully understand investing? He explains why saving is great, but strategy is essential. He also breaks down when it makes sense to use a Roth 401(k) option at work. From there, the focus shifts to retirement psychology: what if you’re afraid of running out of money? Do you need to cut back or go back to work? Lee explains why neither is ideal and what to do instead. Finally, we hear from a listener who received a surprise inheritance and wants to know how to navigate IRAs, stocks, and property the right way.

Here’s what we discuss in today’s show:

🚐 RV dilemmas – buy with debt or tap your IRA?

🛡️ Life insurance sales – smart questions to ask before saying yes

📊 401(k) reality check – saving isn’t enough without a strategy

🔄 Roth 401(k) choices – when shifting contributions makes sense

💸 Running out of money – how to calm the fear of going back to work

🏡 Getting a surprise inheritance – how to manage it wisely

Check out our upcoming workshops:

https://jlperkinswealth.com/attend-an-event/

Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

Well, you’re retired. Now what? Some people follow the “first year rule,” believing the majority of your best retirement months will happen in those first twelve. But if you don’t approach this season with intentionality, you could set the wrong tone emotionally and financially. In this episode, Lee shares the five essential steps every new retiree should take during year one.

You’ll hear real stories and practical advice, like how to stay healthy, find purpose, and even test-drive big lifestyle changes before making them permanent. The habits, routines, and choices you make early in retirement will echo through the years ahead. Be intentional now, and you’ll set yourself up for a retirement that’s not only financially sustainable but also deeply fulfilling.

Here’s what we discuss in today’s show:

💸 Adjusting to spending when “every day is Saturday”

📊 Building a tax-smart withdrawal strategy

🎯 Establishing routines and finding purpose beyond hobbies

🏃‍♂️ Prioritizing health and preventative habits early

🚗 Testing driving your long-term plans

Check out our upcoming workshops:

https://jlperkinswealth.com/attend-an-event/

Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

If your parents or grandparents passed away young, it’s natural to wonder: Should I grab Social Security as early as possible? It sounds simple, but the truth is far more nuanced. In this episode, Lee unpacks why longevity isn’t just about family history. Advances in medicine, modern lifestyles, and the kind of retirement you envision all play a huge role in when (and how) you should claim benefits.

Lee explains what early filing actually does to your benefits, why spousal considerations matter, and how delaying benefits can increase overall lifetime income for you and potentially for a surviving spouse. Instead of making this decision in a vacuum, Lee shows how Social Security fits into your broader financial plan alongside pensions, savings, and other income sources.

Here’s what we discuss in today’s show:

🧬 Family history vs. actual longevity factors

💵 How delayed credits can boost your benefit

❤️ ‍What happens to Social Security if a spouse passes away first

🔄 Trade-offs of using your own assets vs. claiming early

📊 Using Social Security in a comprehensive plan

Check out our upcoming workshops:

https://jlperkinswealth.com/attend-an-event/