Most financial advisors tell you to spend a flat, steady line of income for 30 years, but why should your retirement spending look like a boring horizontal line when your life doesn’t? In this episode, Dr. Chris Mullis explains why "front-loading" your spending during your healthiest years isn't just fun --it’s the go-to strategy to maximize your life's "kinetic energy." Discover how to stop over-saving and start spending your hard-earned nest egg with the confidence of a rocket scientist!
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SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
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EPISODE RESOURCES:
→ Grab the Episode Show Notes

Transitioning from a steady paycheck to retirement can feel like losing your navigation system mid-flight, especially when the IRS expects you to "pay as you go." Whether you’re facing the 7% underpayment penalty or merging your life with a new partner later in life, the financial stakes are higher than ever. Join Dr. Chris Mullis as he reveals a "time-traveling" tax secret and the essential pre-flight checklist for marriage 2.0 to ensure your retirement stays on a smooth and sustainable trajectory. Tune in to boost your financial confidence and expand your universe!
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SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

2026 brings big changes and big opportunities. The financial universe is shifting with bigger contribution limits, Social Security adjustments, and critical new tax rules for high earners. We break down how to use these changes as a "gravitational assist" to boost your retirement nest egg and avoid expensive Medicare surcharges. Plus, we explore why your best New Year’s resolution might be simulating your retirement budget today to ensure a smooth launch tomorrow.
Tune in to boost your financial confidence and expand your universe!
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SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

How can a hidden gap in your homeowner's or auto insurance turn into a massive financial sinkhole that threatens your retirement nest egg? Dr. Chris Mullis, a CERTIFIED FINANCIAL PLANNER™ and former rocket scientist, guides you through a robust insurance review to protect your lifestyle and assets.
Plus, we answer a crucial question: is your hard-earned Social Security benefit truly tax-free, or is the IRS planning a surprise?
And we take a look at the discovery of the oldest exploding star ever seen, and how it's rewriting the history of the early universe.
Tune in to boost your financial confidence and expand your universe!
***
SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

Is your retirement trajectory vulnerable to a family financial crisis? Join CERTIFIED FINANCIAL PLANNER™ and former rocket scientist Dr. Chris Mullis as he provides your mission briefing on the unexpected world of financial caregiving.
This episode reveals the critical Estate Documents Gap—the lack of simple paperwork (like a Durable Power of Attorney) that can turn an emergency into a costly, dignity-stripping catastrophe. Learn how to secure the necessary "legal launch codes" now to protect your parents and safeguard your own hard-earned nest egg from financial contamination.
We also dive into the new Social Security COLA, decoding how this automatic anti-inflation shield impacts your guaranteed income, taxes, and Medicare premiums. Plus, Dr. Chris shares an inspiring lesson from space about a rebellious young star -- a powerful reminder that you need the right tools to see clearly through the financial dust.
Tune in to boost your financial confidence and expand your universe!
***
SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

Dr. Chris Mullis, a CFP® and former rocket scientist, challenges the common 80% income replacement rule, revealing why high-savers may be overestimating their needs. Learn the 7 steps to calculate your custom cash flow, factoring in taxes, savings, and the essential "healthcare wild card."
Ask Mission Control: Get the definitive answer on when seniors can start using the simplified 1040-SR tax form.
Retirement Big Picture: Look up to the stars to explore a mind-bending cosmic event: the visual evidence of a white dwarf star that exploded not once, but twice in a double detonation!
Tune in to boost your financial confidence and expand your universe!
***
SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

The retirement planning universe is shifting! With major tax & healthcare changes, the decisions you make now could save you thousands in taxes and healthcare costs.
We're breaking down the four most critical moves you must make before the end of 2025.
In our listener question segment, we address if private equity is a smart move for your 401(k).
Finally, in the Retirement Big Picture part of our show, we visit the Tarantula Nebula, one of the largest and most magnificent star-forming regions in our galactic neighborhood.
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SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.
The result?
Smarter tax strategies, better investment decisions, and a more confident retirement.
If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.
👉 Schedule a Complimentary Strategy Session
***
EPISODE RESOURCES:
→ Grab the Episode Show Notes

Don't let unexpected risks derail your well-earned retirement!

In this episode, we break down the four unique and often-overlooked risks -- like sequence of returns and spiking expenses -- that make spending money in retirement fundamentally different from saving it.

You'll learn the crucial strategies, from income planning to tax management, that will help you confidently navigate your financial orbit and ensure your nest egg lasts as long as you do.

In our listener question segment, we think through how to optimize Medicare Part D coverage for prescriptions to avoid a lifetime penalty.

Finally, in the Retirement Big Picture part of our show, we take a journey to the Bull’s Eye galaxy, a colossal galactic collision with record-breaking results of beauty.

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SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:

My team and I have guided hundreds of families across the U.S. through retirement’s biggest challenges over the last two decades.

The result?

Smarter tax strategies, better investment decisions, and a more confident retirement.

If you’re seeking clarity and a proven retirement planning process, we’d be honored to help.

👉 Schedule a Complimentary Strategy Session

***

EPISODE RESOURCES:

→ Grab the Episode Show Notes