The Get Ready For The Future Show

Fastest Four: The Truth About 50-Year Mortgages

Would you pay for your house for 50 years? The Trump administration is floating a plan to allow banks to offer 50-year mortgages—and while the headline sounds like “affordable homeownership,” the math tells a very different story.
In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down what a 50-year mortgage really means for buyers, including:
How much you actually save per month compared to a 30-year mortgage
The massive spike in total interest you’d pay over the life of the loan
Why it would take 30 years to build $100,000 of equity
How today’s affordability challenges compare across generations
Why stretching debt longer isn’t the solution—and what is
If you’re trying to make smart decisions about homeownership, rising costs, or long-term financial planning, this episode gives you the clear, level-headed breakdown the headlines aren’t showing you.

GRFTFS: Fear is Running My Portfolio

"I’m 60 and feel paralyzed every time the market drops. I’ve missed several rebounds because I waited too long. How do I stop letting fear run my portfolio?" We're answering YOUR questions on this week's Get Ready For The Future Show!
I’m 64 and financially ready to retire, but I just can’t bring myself to stop working. How do you know when it’s really time to step away?
I’m 63 and just retired. I’m holding off on Social Security until 67. What’s the best way to generate income in those four years without draining my retirement accounts too fast?
Our daughter is 28 and still needs help with rent occasionally. We’re both 60 and trying to stay on track for retirement. How do we know when to say no?
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 11/5/2025

Fastest Four: Climbing the S&P 500

The S&P 500 has hit two all-time highs in the past two months — and it’s surged 85% since October 2022. That kind of run has many investors wondering: Is a pullback coming soon?
In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down key historical data showing why a year-end rally is actually the most likely outcome — not a crash. Since 1950, when the S&P 500 was up more than 10% through October, it kept rising in 30 out of 33 years, averaging another 4.8% gain before December closed.
Even more striking — when it was up over 16% by the end of October, it finished higher 19 out of 19 times. That means if the market doesn’t rise from here, it would be unprecedented in history.

GRFTFS: We Disagree on How Much We Need to Retire!

"My spouse and I disagree on how much we need to retire. I think we’re fine with $1 million, she’s convinced we need $2 million. Who’s right — and how do we find out?" We're answering YOUR questions on this week's Get Ready For The Future Show!
I’m 66 and planning to downsize next year. We’ll have about $200,000 left over after the move. Should we invest it or use it to generate income?
I’m 61 and recently inherited an IRA from my brother. I’ve heard the rules are different for inherited IRAs now — what do I need to know?
We’re both 56 and still carrying a small mortgage and two car payments. Should we prioritize paying those off before retirement, or just keep the payments and keep investing?
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 aired10/29/2025

Fastest Four: Social Security is Rising

Social Security checks are getting a 2.8% cost-of-living adjustment in 2026 — but don’t get too excited. That’s only about $56 more per month for the average retiree. The problem? Healthcare costs are climbing faster than inflation, and Medicare premiums are expected to jump 11.6%, eating away nearly half of that “raise.”
In this week’s Fastest Four Minutes in Finance, Scott Inman explains why your Social Security increase won’t go as far as you think — and what you can do to keep your retirement income ahead of rising costs.
Why COLA increases aren’t keeping up with real expenses
How Medicare and inflation erode your buying power
Smart strategies to protect and grow your income in retirement

GRFTFS: Can I Retire When I Get My Pension?

"I’m 64 and retiring soon. I have the option to take a lump sum from my pension or monthly payments for life. How do I evaluate which one is better for us?" We're answering YOUR questions on this week's Get Ready For The Future Show!
We’re 67 and 65 and just paid off our house. We’ve heard that having a trust avoids probate, but our estate isn’t that complicated. How do we know if a trust is worth the cost?
We’re in our early 60s and plan to sell a rental property in a few years. Should we be thinking about capital gains tax planning now, or wait until we’re ready to sell?
I’m 61 and recently divorced. I’m keeping the house, but it’s still got a mortgage, and I have about $500,000 in retirement accounts. How do I rebuild my plan now that I’m on my own?
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 aired10/22/2025

Fastest Four: USA Debt Explodes!!!

The U.S. national debt just crossed $38 trillion — up $3 trillion in only 12 months. What does that mean for interest rates, inflation, and your retirement savings? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down the real impact of America’s exploding debt and why it’s more than just a Washington headline. You’ll learn:
Why economists say the debt-to-GDP ratio matters more than the total number
How rising interest costs threaten programs like Social Security
Why an unchecked debt could weaken the U.S. dollar and your long-term wealth
Don’t miss this quick breakdown of one of the biggest financial threats facing America’s future — and what it could mean for yours.

GRFTFS: How Do I Turn My Savings Into Retirement Income?

"I’m 65 and plan to work a few more years. I’ve got a good amount saved, but I’ve never actually thought through how I’ll turn that into income. Where do I even start?" We're answering YOUR questions on this week's Get Ready For The Future Show!
I’ve always contributed to a traditional 401(k), but my employer just added a Roth option. Should I switch, and if so, how much?
We’re in our 50s and want to help our grandchild with college in the future. What’s the best way to do that without messing up our own retirement?
We created a will when our kids were little, but now they’re in their 30s and we haven’t updated anything. We’re both in our mid-60s. How often should estate plans be reviewed, and what needs to change 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 aired10/15/2025

Fastest Four: Current IMF Predictions

A new IMF report says President Trump’s tariffs haven’t hit the U.S. economy as hard as expected — and growth might even be stronger than feared. In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down the numbers:
GDP growth projections: 2% in 2025 and 2.1% in 2026
Inflation is cooling faster than expected
New trade deals may be offsetting tariff pressure
But the risk isn’t gone — if companies start passing more costs to consumers, that could change fast. Scott explains what this means for investors, why market volatility will likely continue, and why staying invested for the long-term is still the smartest move.

GRFTFS: Roth Conversion in Lower-Income Years?

"I’m 62, just retired, and don’t plan to take Social Security until 67. Should I be converting some of my IRA to a Roth during these lower-income years?" We're answering YOUR questions on this week's Get Ready For The Future Show!
We’re 70 and have three adult children. One is financially responsible, the other two—not so much. Can we structure our estate so that they’re not getting a lump sum all at once?
We’re 68 and recently retired. With all the market ups and downs lately, we’re nervous. Should we move more into cash, or is that just reacting emotionally?
I’m 60 and managing most of our finances online — banking, investments, even our family photos. Should digital assets be part of our estate plan, and if so, how do we do 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 10/8/2025