The Get Ready For The Future Show

GRFTFS: Pay off Mortgage or Invest?

“I’m 61 and my husband is 65. We’ve saved about a million dollars, but we’re worried about taxes eating into our retirement income. How do we make our money last and stay tax-smart?”
We’re answering YOUR questions on this week’s Get Ready For The Future Show!
Can you really trust retirement calculators that project $2.5 to $3 million by age 65 — or are those numbers giving you a false sense of security?If you’re offered a buyout at 58, should you take the lump sum or stay a few more years for the benefits?How much risk should you still be taking as you get closer to retirement, especially with market volatility and rising costs of living?And what planning mistakes can turn a strong retirement into a stressful one if the timing is wrong?
If you’ve got a question you want answered on the show, call or text 501.381.5228 — or email show@getreadyforthefuture.com. Your question could be featured on a future episode!Originally Aired : 2025.12.17

Fastest Four - Outlook 2026

In this episode of Fastest Four Minutes in Finance, Scott Inman breaks down LPL Research’s 2026 Market Outlook, which pushes back against recession fears while acknowledging a slower pace of growth ahead. According to LPL, the U.S. economy may cool early in 2026, but resilience from AI-driven investment, fiscal spending, and easing monetary policy could fuel a rebound later in the year.

GRFTFS: Shift to Bonds in Retirement?

"I’m 66 and still mostly invested in stocks. Should I start shifting into bonds now that I’m retired, or is that old-school thinking?" We're answering YOUR questions on this week's Get Ready For The Future Show!
We don’t have kids and want to leave part of our estate to our church and a few nonprofits. What’s the best way to do that while minimizing taxes?
We’re 64 and considering selling our home and moving into a smaller condo. How do we know if it will actually save us money in retirement?
We’re both retired and have some investment income. Are there situations where it makes sense to file taxes separately instead of jointly?
And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!
Originally aired 12/10/2025

Fastest Four: Social Security Doesn't Signal Retirement

A new report just revealed something surprising about retirement: claiming Social Security doesn’t actually mean people stop working. In fact, 40% of Americans work after they claim benefits, and many continue for years. So what does that mean for your retirement strategy — and your long-term financial independence?

Fastest Four: Is AI Causing Market Fluctuations?

Worried about a possible AI bubble? You’re not alone — but the headlines may be missing the bigger picture. In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down why big market gains and big market pullbacks often go hand-in-hand, and why a correction doesn’t automatically mean a bubble is about to burst.

GRFTFS: The News Makes Me Panic!

"Every time I hear bad financial news, I panic and want to change my portfolio. How do I stop reacting emotionally to the news cycle?" We're answering YOUR questions on this week's Get Ready For The Future Show!
We have a paid-off home and decent savings. Our friends mentioned getting an umbrella policy, but we don’t fully understand what it covers or if we need it?
We’re in our 60s and redoing our wills. How do we choose the right executor — and what should we consider if our kids live out of state?
We’ve saved well and just entered retirement, but we’ve never tracked our spending closely. Do we really need a monthly budget now?
And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!
Originally aired 11/26/2025

Fastest Four: Housing Bubble Burst?

Is the housing market in a bubble that’s about to burst? With home prices up 57% nationally since 2019 — and even higher in places like Knoxville (86%) and Northwest Arkansas (84.5%) — it’s easy to wonder whether a crash is coming. In this week’s Fastest Four Minutes in Finance, Scott Inman breaks down the numbers and explains why economist Brian Wesbury says a housing collapse is highly unlikely.
We look at what’s actually driving today’s prices, including:
Under-building vs. over-building — why today’s inventory isn’t anything like the 2008 bubble
Government zoning and environmental restrictions tightening supply
Economic slowdowns and recession concerns — and what they really mean for homeowners and investors
The small 0.7% price dip this year — and why that’s a ripple, not a crash
If you’re worried about home values, retirement planning, or your investment strategy, this episode gives you the context—not the headlines.

GRFTFS: Reduce Taxes from RMDs?

"I turn 73 next year and will have to start RMDs. Is there any way to reduce the tax impact if I don’t need the money?" We're answering YOUR questions on this week's Get Ready For The Future Show!
Our youngest just started college, and we’re 56 and 58. We want to help with tuition but still plan to retire at 65. How do we prioritize?
We inherited a lake house from my parents, but we don’t use it often and the upkeep is getting expensive. Should we keep it for the next generation or sell it now?
I’m 67, retired, and my term life policy is expiring soon. Our house is paid off, and the kids are grown. Do we still need life insurance?
And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!
Originally aired 11/12/2025

Fastest Four: Yellow Flags in the Market

Worried about a potential downturn? You’re not alone — and the latest data from major fund managers, market movements, and big-name investors shows 4 major yellow flags that every retirement investor should be watching. In this week’s Fastest Four Minutes in Finance, we break down what’s really happening beneath the market’s surface and why now is the time to reassess your risk. 
Here’s what we cover:
Surreal complacency on Wall Street — Fund managers running nearly $500 billion are bullish, even while admitting stocks are overvalued and AI may be in a bubble.
Conflicting signals on interest rates and tariffs — emotional investing may be taking the wheel.
Big-name caution — Gundlach urges moving 20% to cash/T-Bills, and Burry quietly hedges against AI high-flyers.
Early signs of market momentum breaking — S&P dips below its 50-day moving average, and the Nasdaq slides over 5% in days.
These yellow flags don’t guarantee a crash — but they DO mean it’s time to ask the real question: Is your retirement plan built to withstand a 20%, 30%, or even 50% decline?

GRFTFS: Diversify Even if Performance is Good?

"I’m 58 and about 40% of my portfolio is in company stock from where I’ve worked for 25 years. Should I diversify even if it’s been performing well?" We're answering YOUR questions on this week's Get Ready For The Future Show!
I’m 66 and recently realized my IRA still lists my ex-spouse as the beneficiary. If I update it now, does that override my will — or do I need to change both?
We’re 60 and planning to move to another state after retirement. How do we compare the tax implications of different states before we move?
We’re both 65 and in good health, but we didn’t buy long-term care insurance. Can we self-fund care if needed, and how much should we set aside?
And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com!
Originally aired 11/12/2025