EP 74: Client Q&A – roadmap to RETIREMENT

In this solo Roadmap to Retirement mailbag, I answer five listener and client questions: how to retire early by building a liquid, non-retirement investment pool to bridge the years before penalty-free access to retirement accounts (while still enjoying life); whether to buy a whole life policy for a friend, where I stress starting with your financial plan rather than a product; whether to buy silver, where I caution against chasing what’s been hot and suggest only a small, diversified allocation if any; how to handle being overconcentrated in one stock, where I argue that paying capital gains taxes can be worth it to reduce risk and note options like spreading sales across tax years; and whether it’s “stupid” to move and give up a low 2020-era mortgage rate, where I weigh lifestyle needs and mention refinancing if rates fall.

Thanks for listening and come back for new episodes and returning guests soon!

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