The Get Ready For The Future Show

Confused and Overwhelmed About Retirement

I've driven myself to distraction trying to understand my upcoming retirement! Is it okay for me to leave my 401(k) at my previous employer? How should I handle the money I recently inherited from my father? What do I need to know about converting pre-tax money to a Roth option?
We're answering YOUR questions! 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 1/10/2024

(FF) Magnificent Seven Stocks

The "Magnificent 7" stocks like Apple and Tesla soared in 2023, but data shows 75 other lesser-known stocks have strong growth potential in 2024. Learn why the broader market may outperform the big tech names this year. In this episode, we cover the stock market outlook for 2024, earnings growth forecasts, S&P 500 index performance data, and investment opportunities outside the common big tech stocks.

Debunking Dave Ramsey

Ramsey Solutions has done a lot of good for a lot of people searching for financial independence. And we agree with many of their philosophies! But recently, Dave gave some investment advice that was just plain wrong and you've got some questions about it!
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 1/3/2024

(FF) Performance During Fed Rate Cycles

With the Federal Reserve likely to cut interest rates in 2024, what does history show about how the stock market reacts to rate cuts? This week we take a look at stock market returns after the last 9 Fed rate cut cycles going back to 1970. On average the market is up slightly between the final rate hike and first cut, but returns have been mixed 6-12 months after cuts begin. So what does this mean for you? Find out in this week's episode of the Fastest Four Minutes in Finance!

Best of 2023: I’m a Millionaire… Now What?

We're rounding out the year with an encore of our most popular show of 2023. In this episode, you'll hear YOUR questions: How will I know if the market really has gone crazy? I'm a millionaire, so where do I go from here? Should I use my bonus on my employer plan or mortgage? What do you think about "Deferred Compensation Plans?"
And if you would like a question answered on the show, give us a call at 501.381.5228. Or send us an email to show@getreadyforthefuture.com.
Originally aired 9/6/2023

(FF) Best Places to Retire in 2023

Ring in the new year by discovering the top 10 best places to retire in 2023 according to U.S. News and World Report. You may be surprised to learn that Pennsylvania dominates the rankings, with 7 cities making the cut. Find out why historic towns like Lancaster, Reading, Scranton, and more offer affordability, great healthcare, low taxes, and fun leisure activities. We countdown from 10 to 1 on this week's episode of the Fastest Four Minutes in Finance!

Should HSA Be Invested in Growth?

Should my HSA dollars be invested in high growth? How can I better understand my risk tolerance? If I'm retiring soon, what questions should I be asking my advisor? Invest more in pre-tax or Roth?
We're answering YOUR questions on the Get Ready for the Future Show. And if you would like a question answered on the show, reach out to 501.381.5228 and leave a voicemail! Or email your question to show@getreadyforthefuture.com!
Originally aired 12/20/2023

(FF) Santa Claus Rally is Here

The Dow Jones Industrial Average recently reached a new all-time high after a swift 15% two-month climb. Historical data shows the index tends to see positive returns 71% of the time over the following year after breaking records. With investors optimistic the Fed may cut rates in 2023 and a potential recession dodged, could this Santa Claus rally be just getting started? Tune in to hear analyses of the Dow's milestone, what market indicators may forecast, and whether analysts forecast the bull run continuing through 2024.

Buy Company Stock at a Discount?

If I can buy my employer stock at a discount, should I max out my contribution? Saving 31% as an Army officer and planning to retire in 4 years - should I change anything? Are CDs a better option than brokerage for the next 6-12 months? Accumulated almost $900k and wondering if I'll be okay when my wife and I retire in 2-3 years? These are YOUR questions! And if you would like a question answered on the show, reach out to 501.381.5228 and leave a voicemail! Or email your question to show@getreadyforthefuture.com! Originally aired 12/13/2023

(FF) Required Minimum Distribution Madness

The IRS retirement rules around Required Minimum Distributions (RMDs) are an absolute trainwreck. They changed the ages, the exceptions, and even the penalties. This week, we lean on the wisdom of retirement tax consultant Ed Slott so you don't accidentally skip an RMD and get slammed with a 25% penalty. We'll explain the new RMD ages, inherited IRA 10-year payout rules, and key exceptions you need to know. Even some advisors are confused, so whether you're retired already or have an inherited IRA, don't miss this. It could save you thousands in penalties down the road!