Mid-Year Money Reset: How to Get Back on Track Before 2026 Slips Away

Mid-Year Money Reset: How to Get Back on Track Before 2026 Slips Away

Have your financial goals slipped a little this year? If so, you're definitely not alone. A lot of people start the year feeling motivated and excited about saving more, paying down debt, or getting serious about retirement planning. But by the time summer rolls around, life happens. Vacations, unexpected expenses, busy schedules, and simple procrastination can make those goals feel a lot less urgent. In this episode, Josh and I talk about why so many people lose momentum on their financial goals by the middle of the year—and why June is actually the perfect time for a reset. We'll discuss how to review your retirement contributions, evaluate your investment strategy, make sure your beneficiary designations are up to date, and identify small improvements that can make a big difference over time. Most importantly, we'll talk about why progress beats perfection when it comes to building a successful retirement. No matter where you are today, there's still plenty of time to finish the year strong and move closer to the retirement you deserve. -- Request your free RSSA Roadmap for Social Security optimization Watch full episodes on YouTube:https://www.youtube.com/@TakePrideinRetirementShow [https://www.youtube.com/@TakePrideinRetirementShow]Follow on BlueSky, Threads, Facebook, Instagram — just search Take Pride in Retirement --  Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts [https://blog.feedspot.com/pride_podcasts] About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.

Before You Buy an Annuity: The Questions Every LGBTQ+ Retiree Should Ask

June is Annuity Awareness Month, and in this follow-up episode, Matt and Josh focus on the questions every retiree should ask before investing in an annuity. Rather than starting with a product, Matt explains why it's critical to start with the problem you're trying to solve—and whether an annuity is actually the right solution. The conversation explores retirement income planning, longevity risk, market volatility, survivor benefits, liquidity concerns, and how annuities may address unique financial planning needs within the LGBTQ+ community. Matt also explains what "guaranteed income" really means, discusses potential drawbacks and fees, and highlights the importance of beneficiary planning for both traditional and chosen families. If you've been curious about annuities but aren't sure what questions to ask, this episode serves as a practical roadmap to help you make informed decisions. -- Request your free RSSA Roadmap for Social Security optimization Watch full episodes on YouTube:https://www.youtube.com/@TakePrideinRetirementShow [https://www.youtube.com/@TakePrideinRetirementShow]Follow on BlueSky, Threads, Facebook, Instagram — just search Take Pride in Retirement --  Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts [https://blog.feedspot.com/pride_podcasts] About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.

Annuity Awareness Month: Separating Fact from Fiction About Annuities

June is Annuity Awareness Month, and that means it's time to tackle one of the most misunderstood topics in retirement planning. Matt and Josh dive into the world of annuities, breaking down common myths, explaining the different types available, and helping listeners understand how these products may fit into a retirement income strategy. Are annuities all the same? Do they lock up your money forever? Are they only for wealthy investors? Matt addresses these questions and more while explaining how annuities can help create reliable retirement income—especially for LGBTQ+ retirees who may face unique financial planning challenges due to career interruptions, delayed family formation, or reliance on chosen family. Whether you've heard great things about annuities or horror stories, this episode focuses on education rather than sales pitches, helping you understand the facts so you can make informed decisions about your retirement future. -- Request your free RSSA Roadmap for Social Security optimization Watch full episodes on YouTube:https://www.youtube.com/@TakePrideinRetirementShow [https://www.youtube.com/@TakePrideinRetirementShow]Follow on BlueSky, Threads, Facebook, Instagram — just search Take Pride in Retirement --  Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts [https://blog.feedspot.com/pride_podcasts] About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.

Retirement Q&A Part 2: More Answers to Your Biggest Retirement Questions

In this second installment of our listener-inspired retirement Q&A series, Josh is back with another round of some of the most common questions I hear from LGBTQ+ individuals and couples preparing for retirement. We tackle important topics including the biggest retirement mistakes people make, how often you should really be checking your investment accounts, what happens if one partner handles all the finances, whether you should pay off your mortgage before retirement, concerns about Social Security's future, and what a truly successful retirement actually looks like. Along the way, we discuss why retirement planning is about much more than investments, why communication between partners matters, and why retirement success is ultimately about creating a life you love—not simply accumulating the largest account balance possible. If you're looking for practical retirement guidance delivered in a straightforward and relatable way, this episode is for you. No matter who you are, where you come from, who you love, how you identify, or how much money you have, you deserve a retirement you can take pride in. -- Request your free RSSA Roadmap for Social Security optimization Watch full episodes on YouTube:https://www.youtube.com/@TakePrideinRetirementShow [https://www.youtube.com/@TakePrideinRetirementShow]Follow on BlueSky, Threads, Facebook, Instagram — just search Take Pride in Retirement --  Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts [https://blog.feedspot.com/pride_podcasts] About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.

Retirement Q&A: The Questions LGBTQ+ Couples Ask Most Often

What are the biggest retirement questions LGBTQ+ individuals and couples are asking right now? In this special Q&A episode of Take Pride in Retirement, Josh puts me in the hot seat as we tackle some of the most common retirement planning questions I hear from clients and listeners. We discuss Social Security claiming strategies for married couples, how marriage equality impacts retirement planning today, how much cash retirees should keep on hand, estate planning considerations for people without children, the truth about annuities, and whether it's ever too late to catch up on retirement savings. Along the way, we explore some of the unique financial planning challenges faced by LGBTQ+ individuals and couples, including survivor benefits, chosen family considerations, and the importance of keeping estate documents up to date. If you've ever wondered whether you're making the right retirement decisions—or if you're worried you may be behind—this episode is packed with practical guidance designed to help you move forward with confidence. No matter who you are, where you come from, who you love, how you identify, or how much money you have, you deserve a retirement you can take pride in. -- Request your free RSSA Roadmap for Social Security optimization Watch full episodes on YouTube:https://www.youtube.com/@TakePrideinRetirementShow [https://www.youtube.com/@TakePrideinRetirementShow]Follow on BlueSky, Threads, Facebook, Instagram — just search Take Pride in Retirement --  Take Pride in Retirement is proud to be named one of the top Pride podcasts on the internet by FeedSpot. For more, go to https://blog.feedspot.com/pride_podcasts [https://blog.feedspot.com/pride_podcasts] About Take Pride in Retirement: Take Pride in Retirement is a podcast dedicated to retirement planning solutions for the LGBTQ community. Host Matt McClure, a licensed fiduciary financial advisor, shares strategies to protect your hard-earned money while pursuing market-like growth. Matt holds the RSSA® credential as a Registered Social Security Analyst®, helping clients optimize their Social Security filing strategies to potentially increase lifetime income. He’s also a Certified Annuity Specialist® (CAS®), a designation earned through a 135+ hour graduate-level program in fixed-rate and variable annuities from the Institute of Business & Finance. Based in Georgia with his husband and two dogs, Matt spent over a decade in New York City, working with The Wall Street Journal Radio Network, NY1, and WCBS Newsradio 880. A career highlight includes reporting from the floor of the New York Stock Exchange.