Early Retirement Roadmap Podcast Por Mike Upland arte de portada

Early Retirement Roadmap

Early Retirement Roadmap

De: Mike Upland
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 Welcome to the Early Retirement Roadmap podcast, your audio guide to preparing for and thriving in early retirement! If you’re dreaming of retiring early but feeling overwhelmed about where to start, or if you’re already retired and looking to make the most of your freedom, you’re in the right place. I’m your host Mike Upland, and I successfully retired at 55. Through this podcast, I share my personal early retirement journey—the victories, the challenges, and all the essential lessons I’ve learned along the way. Each episode delivers practical strategies and real-world insights on crucial topics like financial planning, developing the right mindset, and finding purpose in retirement. You’ll hear candid discussions about the realities of early retirement, actionable tips for building wealth, and inspiring stories to help you navigate your own path to early retirement. Whether you’re just starting to explore early retirement or fine-tuning your existing plans, this podcast provides the roadmap you need to build a financially secure and fulfilling post-career life. For visual guides and additional content, be sure to check out the Early Retirement Roadmap YouTube channel, where I share complementary videos and resources to support your early retirement journey. Your early retirement journey starts here—subscribe now to ensure you never miss an episode!Copyright 2025 All rights reserved. Desarrollo Personal Economía Finanzas Personales Éxito Personal
Episodios
  • The Top 10 Retirement Myths That Could Cost YOU Thousands!

    The Top 10 Retirement Myths That Could Cost YOU Thousands!
    Jul 7 2025
    Think you need $1 million to retire? That Medicare covers everything? Or that your expenses will drop after you stop working? In this episode of the Early Retirement Roadmap Podcast, I bust the top 10 retirement myths—with real data and practical advice. These are the beliefs that could seriously derail your plans and cost you thousands if you fall for them. We’ll cover myths about: Retirement savings goals Taxes in retirement Social Security and Medicare Downsizing and expenses Longevity and lifestyle in retirement ...and much more. I retired at 55 and have seen firsthand how common these myths are—and how dangerous they can be. Listen now to plan smarter and retire with confidence. Resources Mentioned: 📊 Myth #10: Federal Reserve Study reports 5% of households have $1 Million Saved and under 2% have 2 million saved, and median savings: https://www.retirementliving.com/do-you-really-need-1-million-to-retire 📊Myth #9 SmartAssett.com – Is Social Security Income Taxable?: https://smartasset.com/retirement/is-social-security-income-taxable 📊Myth #8: Schroder’s Retirement Study: https://www.schroders.com/en-us/us/institutional/media-center/schroders-retirement-study-finds-inflation-taking-toll-on-retirees/ 📊Myth #8 Retirement Researcher, Retirement Spending Smile: https://retirementresearcher.com/retirement-spending-smile/ 📊Myth #7: National Council on Aging (NCOA), Social Security Only Replaces 37% of earnings, on average, see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #7: Kiplinger, Average Social Security Benefits in 2025, see: https://www.kiplinger.com/retirement/social-security/how-to-get-the-maximum-social-security-check 📊Myth #7: The Center On Budget and Policy Priorities, average social security income: https://www.cbpp.org/research/social-security/top-ten-facts-about-social-security 📊Myth #6: Kiplinger, regarding social security running out of money: https://www.kiplinger.com/retirement/social-security/when-will-social-security-and-medicare-trust-funds-run-out-of-money 📊 Myth #5: Fidelity, 2023 Estimates of Healthcare Costs Medicare Parts A & B Don’t Cover: https://newsroom.fidelity.com/pressreleases/fidelity--releases-2023-retiree-health-care-cost-estimate--for-the-first-time-in-nearly-a-decade--re/s/b826bf3a-29dc-477c-ad65-3ede88606d1c 📊Myth #4: National Council on Aging – 64 percent of retiree retired sooner than expected, see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #3: Merrill Lynch and Age Wave Study – Many retirees don’t downsize as reported by CNBC: https://www.cnbc.com/2021/04/13/op-ed-more-boomers-are-choosing-to-upsize-their-homes-in-retirement.html 📊Myth #2: 1 out of 3 65-year-olds will live until at least age 90 – see: https://www.ncoa.org/article/debunking-the-top-6-financial-myths-about-retirement/ 📊Myth #1, People are Happier in Retirement, and not bored, see: https://www.massmutual.com/global/media/shared/doc/2024_massmutual_retirement_happiness_study.pdf ❤️ Like, Subscribe, Follow, Share and leave a review if this helped! 📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1 🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/ ☕ Support: Buy me a coffee: https://buymeacoffee.com/mikeupland.com DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #retirementmyths #earlyretirement #retirementplanning #personalfinance #financialfreedom
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    23 m
  • STOP Worrying About Running Out of Money in Retirement!

    STOP Worrying About Running Out of Money in Retirement!
    Jun 24 2025

    Are you constantly worried about running out of money in retirement? You’re not alone—and the good news is, the truth might surprise you!

    In this podcast, I reveal what most people get wrong about retirement spending, how rare it actually is to run out of money, and the real strategies that work—especially if you're retiring early. We’ll break down the 4% rule, portfolio withdrawal strategies, the guardrails approach, and real-world data that shows how most retirees end up with more money than they started with.

    Whether you're planning for early retirement or already living it, this episode will help you stop worrying and start living! Learn how to make your money last, without the stress.

    🔍 Topics covered:

    ✅ How to stop worrying about running out of money in retirement

    ✅What the 4% rule really means (and its limitations)

    ✅The truth about retirement portfolio longevity

    ✅How guardrails can give you more flexibility and confidence

    ✅Common mistakes retirees make with money

    Resources Mentioned:

    📊 Michael Kitces article on why most retirees will never spend their entire retirement portfolio: https://www.kitces.com/blog/consumption-gap-in-retirement-why-most-retirees-will-never-spend-down-their-portfolio/

    📊Michael Kitches article regarding implementing retirement income guardrails: https://www.kitces.com/blog/implementing-retirement-income-guardrails-to-facilitate-the-right-spending-raises-and-spending-cuts/

    📊Retirment Planning Tool I Use, Boldin.com: https://www.boldin.com/

    ❤️ Like, Subscribe, Follow, Share and leave a review if this helped!

    📺 When you're not on the go, watch the Early Retirement Roadmap YouTube Channel: https://youtube.com/@EarlyRetirementRoadmap?sub_confirmation=1

    🌐 Visit my website for all my media, including my blog or to contact me about sponsorship or other business opportunities: https://mikeupland.com/

    ☕ Support: [Buy me a coffee](https://buymeacoffee.com/mikeupland.com)

    DISCLAIMER: This podcast is for educational purposes only and reflects my personal experience and research. It is not financial, tax, legal, or investment advice. Always consult with qualified professionals before making major retirement or financial decisions. I am not responsible for any loss or damages resulting from reliance on this information. #retireearly #earlyretirement #retirementplanning #financialfreedom #financialindependence
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    9 m
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