Smart Wealth and Retirement

Smart Wealth and Retirement is your go-to podcast for clear, actionable guidance to build your dream retirement. Hosted by experienced Dave Ramsey SmartVestor Pros, each episode simplifies the complexities of retirement planning and wealth management, giving you strategies you can confidently implement today. Whether you’re nearing retirement or already there, we’ll cover crucial topics such as creating sustainable retirement income, managing taxes strategically, making smart investment decisions, maximizing your Social Security benefits, and much more. Our goal is simple: help you achieve financial clarity and peace of mind, so you can spend retirement focused on what truly matters. Tune in weekly to get straightforward advice, timely insights, and practical answers to your biggest retirement questions. It’s time to secure your financial future—start listening to Smart Wealth and Retirement and make informed decisions that help you retire with confidence.

Last refreshed: July 16th, 2025 at 10:05 PM ⓘ

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Episodes

What should I do with my old 401k, 403b, or IRA? [Episode 19]

What should you do with that old retirement plan you forgot you had or from that job you just left? Should you use it to pay off bills? Leave it alone? Do you have to listen to that letter telling you to move your account if you stop contributing to it? In today’s episode we’re talking about options for those old retirement accounts that you may have forgotten about or you’re just not sure what to do with them. I share 4 options you can handle this with, including leaving it where it is, rolling...

Sep 14, 2020•18 min•Ep. 19

Working while you are retired. How to make it work. [Episode 18]

How do You Work and be Retired at the Same Time There are a lot of people who want to retire after 20, 30, or 40 years of being at a particular job want to retire, take a step back, and start a job with a lot less stress, that they enjoy, or a job with less hours. Sound insane? Well not so much. This is a goal for a lot of people these days. So how do you do that? How do we retire and continue to work? In this episode, I share the key points of retiring and continuing to work. Maybe you want to ...

Sep 07, 2020•15 min•Ep. 18

Retirement Failure Factors: Ways to eliminate common retirement mistakes [Episode 17]

People may not be able to guarantee success in a retirement plan, but they can eliminate failure factors. What is a failure factor? Failure factors are mistakes that people make time and time again. It is imperative that you identify these because they could be derailing your retirement and all the hard work you’ve put in over your lifetime. In this episode, I share the top 5 failure factors that I see investors making. I will give you real examples of clients I have seen that exhibited one or m...

Aug 31, 2020•24 min•Ep. 17

What is a Roth IRA and do you need one? [Episode 16]

A Roth IRA can be a great tool to help you get to where you want to be, come retirement. Many people do the bare minimum when planning for retirement, but there are so many options to consider when deciding where to put your retirement savings. A Roth IRA can be a great asset in your retirement plan by offering you a plethora of benefits. Roth IRAs are the vehicle to help you invest the money you save for retirement. However, what makes Roth IRAs so incredible is that your earnings grow tax-free...

Aug 24, 2020•20 min•Ep. 16

Should I take a lump sum or cash out pension benefit? [Episode 15]

Is it a good idea to take a lump sum out to pay off a car or house? If you took your money outside of your pension plan, could its growth do better? On today’s episode of the Retirement Planning Podcast, Jim talks about cash out pensions, otherwise known as lump sum pensions. Pensions are thought to be a thing of the past, but they can be pretty great! Jim explains why companies offer cash out pensions, why they don’t, and he even divulges the top 5 things to consider before making a decision ab...

Aug 17, 2020•20 min•Ep. 15

How Much Money You Should Save for Retirement [Episode 14]

People talk about the importance of saving money all the time. It’s one of the biggest financial tips parents instill in their children and a recurring investment throughout our lives. But even though we talk about saving for retirement so often, we never really define what that magical number is that we should set as our goal for retirement. Welcome back to the Retirement Planning Guy Podcast where any and all retirement questions get answered! Today, the big question I answer is, “How much mon...

Aug 10, 2020•20 min•Ep. 14

Create Your Own Retirement Checklist [Episode 13]

Planning for retirement can get overwhelming really quickly! Before you get into the weeds of retirement planning, stop, and get organized first. Using a checklist can be a helpful tool to keep you on track, move forward, and accomplish what you need to get done. Implementing a retirement checklist will help you ensure that you and your financial advisors are staying on track and allowing you to plan well and retire happy! I share the ten (or more) key marks that you should definitely have on yo...

Aug 03, 2020•24 min•Ep. 13

Do I need life insurance in retirement? [Episode 12]

Let’s talk life insurance! Yes, I said it. Today I’m breaking the silence and we’re talking about the taboo topic of life insurance. So many people ask me about life insurance and want to know whether it’s something they should have, what kind to have, and all the nitty-gritty details. Today on the Retirement Planning Guy podcast, I’m here to answer all your life insurance questions! There are a lot of different types of life insurance, so I walk through all the many types and help clarify what ...

Jul 27, 2020•22 min•Ep. 12

How to teach your kids and grandkids about money. [Episode 11]

Have you taught your kids or grandkids about money? It’s so important to understand money and be comfortable managing your money. Once you understand it, it’s time to teach your children and grandchildren how to handle their money in smart ways, as well. This episode reveals the importance of having a strong familiarity with money and why it is so critical to grasp. Jim goes through the top seven things to help you teach your kids and grandkids how to manage, save, and comprehend money. Jim disc...

Jul 20, 2020•23 min•Ep. 11

Should you downsize your home in retirement? [Episode 10]

So, you’ve retired—congrats! You’ve got time on your hands and way too much space. Let’s talk downsizing! Downsizing can be a liberating experience—especially when you no longer have to worry about cleaning and maintaining a big house. Plus, downsizing can help you flush out the old and start fresh! But beyond the day to day perks of downsizing, there are some great advantages of downsizing that can help you financially, as well. Jim lays out all of the financial benefits of downsizing that are ...

Jul 13, 2020•22 min•Ep. 10

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