The Get Ready For The Future Show

GRFTFS: Missing Something Not Working with an Advisor?

"I’m 63 and planning to retire next year. We’ve saved $920,000, but we’ve never worked with an advisor. Are we missing anything critical by going it alone this late in the game?" We're answering YOUR questions on this week's Get Ready For The Future Show!
Should we knock out Parent PLUS loans before retiring or keep paying the minimum? My husband just got diagnosed with Parkinson’s, and he’s only 65. How do we adjust our retirement strategy when we’re facing uncertain care costs? We’re 50 and thinking about taking money out of our 401(k) to help our son with a down payment. Is that ever a good idea, or should we steer clear?
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 6/18/2025

Fastest Four: Americans Failing Financial Literacy

A recent report from the TIAA Institute and the Global Financial Literacy Excellence Center reveals a startling truth: most Americans are failing at financial literacy. In this episode of the Fastest Four Minutes in Finance, Scott Inman breaks down the results from a quiz taken by over 3,300 adults - and the numbers aren’t pretty.
He also explores common retirement misconceptions around Medicare and Social Security - and the dangerous gap between knowledge and preparedness.
The good news? You don’t have to figure it all out on your own. A trusted financial advisor can help educate, guide, and build a plan tailored to your goals.

GRFTFS: I changed jobs, how should I take my pension?

On this episode of Get Ready for the Future Show, we’re tackling some big retirement questions with even bigger financial decisions. Angie from Jonesboro wonders whether to take a pension lump sum or monthly benefit — we break down the pros, cons, and how to truly compare them. Elisha, a 62-year-old widow still working part-time, wants to know the smartest way to claim Social Security benefits — we walk through survivor options and earnings limits. Jennie from Vilonia asks if moving to a no-income-tax state will really save money — spoiler: taxes always come from somewhere. And Chris from Little Rock just sold a rental for $310K — we explore whether it’s best to invest, pay off the mortgage, or delay Social Security. Big choices, smart guidance. Tune in and take control of your future.
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 6/11/2025

Fastest Four: Is the Market Back on Track or Headed for a Swerve?

Inflation cooled. Stocks surged. But is it smooth sailing ahead—or just the calm before the next curve? In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down the latest CPI data, sector gains, and what economists are saying about the Trump tariffs and inflation fears.

GRFTFS: 55 with $400k - Are We Behind?!

"My husband and I are both 55. We’ve saved about $400,000 so far and plan to retire at 67, but it doesn’t feel like enough. How can we tell if we’re way behind or just need to ramp things up a bit?" We're answering YOUR questions on this week's Get Ready For The Future Show!
My job’s getting more stressful and I’d love to walk away next year. How do I know if I can retire early without risking our lifestyle? I just turned 59 and started getting Social Security statements - should I delay benefits or take them sooner and invest the difference? I’m 60, and my mom is 87 and starting to decline. How do we protect her assets while making sure she gets the care she needs?
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 6/4/2025

Fastest Four: One Big Beautiful Bill

Trump's latest bill contains a hidden provision that economists are calling a potential economic disaster. In this week's Fastest Four, Scott Inman is taking a look at Section 899 - dubbed the "Revenge Tax" - and how it could transform the ongoing trade war into something far more dangerous: a global capital war.

GRFTFS: Let My Life Insurance Policy Expire?

"I’ve got $700,000 in retirement accounts and a $2 million term life insurance policy that expires at 70. I’m 63 now. Should I look at converting that to permanent coverage or just let it go?" We're answering YOUR questions on this week's Get Ready For The Future Show!
We’re both self-employed, in our late 40s, and about $100,000 in a SEP IRA. Should we consider setting up a Solo 401(k) to save more or focus on building our non-retirement accounts? I’m 52, divorced, and likely won’t remarry. Should I be planning any differently than a couple would? We’re 57 and just became empty nesters. Should we take the extra cash flow and max out retirement, or put it toward paying off our $40,000 HELOC?
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 5/28/2025

Fastest Four: Don't Derail Your Retirement

Are you afraid to spend your retirement savings? You're not alone. In this week’s Fastest 4 Minutes in Finance, Scott Inman breaks down the psychology behind why retirees often cling to a “just-in-case” mindset—hoarding their savings out of fear and uncertainty.

GRFTFS: How to Withdraw for Lower Taxes?

"We have a mix of accounts—$850,000 in traditional IRAs and about $320,000 in a Roth IRA. We’re both 66 and about to retire. What’s the smartest order to draw from these accounts to keep our taxes low?" We're answering YOUR questions on this week's Get Ready For The Future Show!
I’m 62 and just got laid off. I’m eligible for Social Security but have about $520,000 in a 401(k). Should I go ahead and start my benefits or hold off a few years and draw from my savings instead? We live in a 4-bedroom home that’s worth about $390,000, but we’re thinking about downsizing to something under $250,000. With interest rates up, is this still a good move? And how do we know we’ll actually save money doing it? We’re both in our late 50s and don’t have long-term care insurance. We’ve got about $2M saved and are in decent health. Is it too late to get a policy that makes sense, or are we better off self-insuring?
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 5/21/2025

Fastest Four: Memorial Day Weekend

Is $1.26 million the new retirement goal? According to Northwestern Mutual's latest study, that's the average number Americans believe they need to retire comfortably. But here's the truth: retirement is personal—and relying on a national average might set you up for failure. In this episode of the Fastest 4 Minutes in Finance, Scott Inman unpacks why blindly chasing a "magic number" won't cut it, and what you should be doing instead.