You’ve spent decades saving for retirement—but how do you turn that money into income you can confidently spend? Retirement.Radio’s Matt McClure talks with bestselling author and AARP personal finance columnist Jean Chatzky about her new book, The Forever Paycheck. They explore why retirees often struggle to spend their savings, ways to build or buy a retirement paycheck, and how a dependable income plan can help you enjoy the money you’ve worked so hard to save.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

• (00:00:00) - Introducing Gene Chatsky and Forever Paycheck
• (00:00:36) - Why the shift from saving to spending is hard
• (00:02:02) - Common retirement planning mistakes
• (00:02:50) - Building a plan for guaranteed income
• (00:03:48) - Creating your own forever paycheck
• (00:04:25) - Building vs buying a paycheck: risk and options
• (00:05:39) - AARP resources and closing thoughts

The fall season is upon us, and among the normal fall cleanup of a financial portfolio is an equally important but often overlooked part of retirement planning: building and maintaining an emergency fund in retirement.

This month's vignette discusses how an emergency fund can help cover unexpected expenses without forcing someone to sell investments at an unfavorable time, and why having a clear cash-reserve strategy can provide both financial flexibility and peace of mind.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

Back-to-school season can put added pressure on the family budget—but a little planning can help keep those costs under control. Retirement.Radio’s Matt McClure talks with Lora Monfared, Consumer Credit Card Executive at Bank of America, about practical ways parents and grandparents can save on school supplies, technology, clothing and other essentials.

They also discuss how to teach teens the basics of budgeting, encourage responsible credit use, resist the pressure to overspend and begin building an emergency fund. It’s a timely conversation packed with simple strategies families can use during the school year and beyond.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

Social Security could provide hundreds of thousands of dollars in lifetime retirement income—so deciding when to claim deserves more thought than simply picking an age.

On this episode of The Retirement Income for Life Show, Doug Vincent explains why Social Security should be treated as an important piece of your overall retirement income plan. He breaks down how benefits are calculated, what happens when you claim early versus waiting until full retirement age or age 70, and why there isn't one “best” claiming age for everyone.

Doug also explores strategies for married couples, including spousal and survivor benefits, and explains Social Security options that may be available following a divorce. Plus, he discusses how working in retirement, taxes and Medicare premiums can change the equation—and why your Social Security strategy needs to work alongside your investments, savings and other sources of retirement income.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

• (00:00:00) - Social Security Claiming Strategies
• (00:01:08) - Retirement Income for Life: Free Consultations
• (00:02:16) - Social Security: When to File?
• (00:03:43) - Social Security: How to Take Advantage of your retirement income
• (00:05:18) - Social Security: When Should I Take Social Security?
• (00:12:39) - Determining When to Claim Social Security
• (00:17:18) - When Should I Claim Social Security?
• (00:22:47) - Choosing when to file your Social Security benefits
• (00:26:00) - Freebies at the Library
• (00:28:02) - Married, Your Social Security Decision Is Personal
• (00:31:17) - Social Security Plan for 2 Spouses
• (00:38:33) - What to Know About Divorce and Social Security
• (00:41:12) - Do Divorced Spouses Get Social Security Benefits?
• (00:43:43) - Social Security: Considering your Social Security Options if You've Been Div
• (00:45:55) - Social Security: The Right Claiming Strategy
• (00:46:40) - If You Claim Social Security Before Full Retirement Age, Do You Need
• (00:51:14) - Social Security and Your Retirement Plan
• (00:58:26) - Life Insurance and Retirement Planning

For decades, the traditional 60/40 portfolio—60% stocks and 40% bonds—has been one of investing's most familiar strategies. But does that formula still make sense when you're approaching retirement and your priorities shift from simply accumulating wealth to generating income and protecting what you've built?

On this episode of The Retirement Income for Life Show, Doug Vincent takes a fresh look at the 60/40 portfolio and explains why diversification still matters, but the percentages themselves may be less important than the job each investment is supposed to do. He explores the risks retirees can encounter with bonds, including interest-rate, inflation and credit risk, and explains why “bonds” and “safe” aren't necessarily interchangeable.

Doug also examines how fixed indexed annuities may fit into a modern retirement income strategy, including their potential for principal protection and guaranteed lifetime income—and the tradeoffs involving liquidity and growth potential. The goal isn't to find one perfect investment, but to build a diversified strategy around your income needs, timeline, risk tolerance and retirement goals.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

Today, as inflation continues to reshape retirement planning, more Americans are beginning to view real estate differently—not simply as a place to live, but as an important part of a long-term financial strategy.

Key Points Covered:

1. Inflation and investments balancing out purchasing power
2. How younger millennials view real estate investments
3. How investment property becomes a potential tangible asset

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

Retirement doesn't always happen according to plan—and your financial strategy shouldn't assume it will.

In this episode, Doug Vincent discusses how to build a retirement plan that's prepared for market volatility, unexpected life events, inflation, and changing income needs. He explains why retirement is about much more than reaching a certain age, how sequence of returns risk can derail even strong portfolios, and why having a written retirement income plan is essential.

Doug also explores the benefits of working with a financial professional, the importance of reviewing your plan regularly, and practical steps couples can take to ensure both spouses are financially prepared. Whether you're a few years from retirement or already there, this episode offers valuable insights into creating a retirement plan designed to withstand life's surprises.

If you're preparing for retirement—or simply want to make smarter financial decisions today—this episode offers practical guidance to help you retire with greater confidence.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.

Whether retirement is just around the corner or still several years away, the decisions you make today can have a lasting impact on your financial future.

In this episode of The Retirement Income for Life Show, Doug Vincent walks through two retirement roadmaps—one for those retiring within the next 12 months and another for those entering the five-to-ten-year retirement "red zone."

Doug also discusses why many Americans are contributing less to retirement savings, explains strategies for staying on track despite rising expenses, and answers several "Right or Wrong?" retirement questions covering ETFs, annuities, pensions, and tax-free retirement income.

Topics include:

• Building a retirement income plan
• Creating a sustainable withdrawal strategy
• Preparing for Social Security decisions
• Roth conversion opportunities
• Managing investment risk before retirement
• Why Americans are saving less
• Common retirement planning myths
• The biggest reasons people seek financial advice

If you're preparing for retirement—or simply want to make smarter financial decisions today—this episode offers practical guidance to help you retire with greater confidence.

---

Download Your FREE Retirement Income Survival Kit or Contact us at: RetirementIncome4Life.com

Listen on the air: WMMJ, Saturdays 6:00 - 7:00 AM

Schedule a free strategy session for YOUR retirement: https://calendly.com/wdvince/retirement-income-for-life-strategy-session

---

Retirement Income for Life with Doug Vincent is built for individuals and families who want a retirement they can count on — not one based on hope or guesswork.

Each episode helps you retire with confidence, create lasting income stability, and make smarter, more informed financial decisions. Doug Vincent shares practical strategies designed to help you avoid dependence on market swings while building reliable income and generational wealth.