Will You Run Out of Money in Retirement?

Will You Run Out of Money in Retirement?

Will you run out of money in retirement? It's one of the biggest fears retirees and pre-retirees face, and in this episode of Cowboys & Cufflinks, Jeff Mathies breaks down the retirement planning strategies that can help you prepare for the unexpected. From inflation and market volatility to healthcare costs and retirement income planning, this conversation explores the real questions people are asking beneath the surface: · Will my spouse be okay? · Have I saved enough? · Can my retirement survive a bad market? What You'll Learn · How inflation impacts retirement income over time · Why stress-testing your retirement plan matters · What happens if the market crashes after you retire · How to create a retirement income strategy · The role of risk management in retirement planning · How to protect a surviving spouse financially · Common retirement planning mistakes people make · Why healthcare and long-term care costs matter · How to evaluate whether you're truly retirement ready If you enjoyed this episode, subscribe for more conversations on investing, retirement planning, taxes, Social Security, and financial decision-making.

Why AI Is Giving Investors Bad Advice

Bad investment advice can quietly destroy an otherwise solid retirement plan. In this episode of Cowboys & Cufflinks, Jeff Mathies breaks down some of the biggest investment mistakes people make today, including chasing past performance, relying on artificial intelligence for investment decisions, and falling for cryptocurrency hype. If your investment strategy is built on predictions, trends, or what worked last year, this conversation may change the way you think about investing. What You'll Learn · Why a good financial plan cannot overcome a bad investment design · The dangers of investing based on past performance · How artificial intelligence approaches investment recommendations · Why AI struggles to predict future market outcomes · Common diversification mistakes investors make · The risks associated with cryptocurrency investing · Why global diversification remains a powerful long-term strategy · How to evaluate investment products and fiduciary advice If you enjoyed this episode, subscribe for more conversations on investing, retirement planning, taxes, Social Security, and financial decision-making.

The Biggest Retirement Planning Mistakes People Make

In this episode of Cowboys and Cufflinks, Jeff Mathis and Steve Fultz discuss some of the most common retirement planning mistakes people make with 401(k)s, Social Security, investing, estate planning, and financial decision-making. They break down why so many families feel overwhelmed by retirement planning, how fear-based financial advice impacts decision-making, and why having a written retirement plan matters more than most people realize. In this episode, you'll learn: · Common retirement planning mistakes people overlook · Why many 401(k)s are improperly structured · How Social Security timing mistakes can impact retirement · The importance of beneficiary and estate planning reviews · Why financial education matters before making retirement decisions · How fear and confusion prevent people from taking action · What happens when retirement planning is delayed too long · The conversation also explores real-life stories involving retirement planning, estate planning oversights, life insurance issues, and the emotional impact poor planning can have on families. If you've ever wondered whether your retirement plan is truly set up correctly, this episode offers practical insights designed to help you better understand your options and avoid common financial planning mistakes.

Social Security Planning: When Should You Claim Benefits?

In this episode of Cowboys & Cufflinks, Jeff Mathis and Caleb Moore break down when to claim Social Security benefits, common mistakes retirees make, and how timing can impact your long-term retirement income. They also discuss retirement planning, longevity risk, toxic financial relationships, and why having a personalized income strategy matters more than ever. What You'll Learn • When it may make sense to claim Social Security early • How delayed claiming impacts your monthly benefit • What provisional income means for Social Security taxation • Common Social Security claiming mistakes • Why retirement income planning requires more than just "rules of thumb" • How longevity impacts retirement planning decisions • Why stress-testing a retirement plan matters The conversation also touches on toxic financial relationships, retirement planning mistakes, longevity risk, and even the growing role of artificial intelligence in investing decisions, all through the lens of protecting your future and building a retirement plan designed to adapt.

Retirement Tax Planning: How to Protect Your Money from Taxes

In this episode, we break down how taxes can impact your retirement income and what you can do now to reduce that burden over time. If most of your savings are in IRAs or 401(k)s, you could be setting yourself up for higher taxes later without even realizing it. This conversation explores how government policy, required minimum distributions (RMDs), and rising national debt could affect your retirement accounts. You'll learn why having a tax-diversified strategy matters and how tools like Roth conversions may help create more control over your income in retirement. What You'll Learn · How retirement accounts are taxed and why it matters · The risks of relying too heavily on taxable income sources · What RMDs are and how they can increase your tax burden · Why Roth conversions can play a role in tax planning · How longevity risk impacts your retirement strategy · The importance of flexibility in retirement income planning If you found this helpful, subscribe for more conversations around retirement, taxes, and financial planning.