A concise, straight talk show focused on retirement planning issues that'll get you the information you need to have a comfortable and fulfilling retirement.
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A podcast about the candidates, policies, and perspectives shaping the Pacific Northwest. Produced by KUOW in Seattle. There’s a lot to wade through when it comes to Washington State politics. The drama, the facts, the money, and the movers and shakers. In Sound Politics KUOW host Libby Denkmann and politics reporter Scott Greenstone go beyond the ballot to guide you through what’s happening in local politics, why it matters, and how you can use your vote to make a difference. New episodes e ...
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Take a break from staring at the New York Times needle and join us as we round up local election results. We're looking at the governor's race, initiatives, and a surprisingly close Supreme Court contest on this election day edition of Sound Politics. Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go…
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Is WA a crystal ball for who will become the next president?
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How are you fighting the election scaries this Halloween? If you're like the Sound Politics team - you're looking to the future. Washington isn't known for being a decider in the presidential election, but one specific county and one statewide primary could be a reliable reflections of the national mood. We'll dig into what Washington predicts for …
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Doordash, Walmart, and Pinocchio (??) want to sway your vote
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What's going on with STATE Legislative races? Today on Sound Politics, KUOW's Olympia correspondent Jeanie Lindsay joins us to break down the finances behind one of the most expensive races on the ballot this year, as well as why this "purple" district is in play as State Democrats work towards their goal of a legislative SUPER MAJORITY. We also ta…
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Will Washington voters pass the gas (initiative)?
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Ballots are landing in Washingtonians' mailboxes, leaving voters just a few more weeks to make up their minds on some big issues, like voter initiatives. The first thing on that ballot - at the very top - is an initiative that has equally impassioned and confused voters. Washington Initiative 2066 focuses on how fast utilities are transitioning off…
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Who are the big political donors handing out treats this spooky season?
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You’ve been hearing plenty about the big names on your ballot, but there are many people influencing what shows up on that ballot whom you may have never heard of. Unions, tech entrepreneurs, oil companies and industry associations have given millions of dollars to candidates and campaigns. On this week’s Sound Politics, we look at who is spending …
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Washington has a fraught relationship with taxes. And what that relationship looks like in the future is a big part of your ballot this November. In the latest episode of Sound Politics, hosts Scott Greenstone and Libby Denkmann break down two relatively new taxes that voters will decide whether to get rid of: the capital gains tax (which only the …
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WA GOP Horoscope: Trump rising, Dan Newhouse in retrograde
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Two Republicans are battling to represent Washington's 4th congressional district -- the heart of conservative Washington, a place where being labeled a "vegan" could mean death to your campaign. In one corner sits Dan Newhouse: the incumbent, and one of ten Republicans to vote to impeach Donald Trump. In the other: a Trump-backed challenger, and f…
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Gas prices, climate change, and the biggest ballot initiative of the year
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Do you know what's going to be on your ballot this November? Sound Politics is here to help. Today: Sound Politics host Libby Denkmann and special guest Jeanie Lindsay are diving deep into the wonky world of carbon auctions, gas prices, and climate change legislation as we explain Initiative 2117. If passed, it would end the state’s carbon auctions…
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The debate you didn't hear about - governor smackdown!
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Sound Politics is breaking down the big debate! You know it - the one that had you glued to your TV screen, the one all of your group chats were blowing up about, the one that culminated in a cat selfie on Instagram. No, not that debate - we're talking about the first governor's race debate showdown between former Republican congressman Dave Reiche…
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Can astronauts vote… for lands commissioner?
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Sound Politics is talking elections on land... and in space this week. Up first: Scott and Libby start a little closer to home, and talk about one of the closest primary races in state history. It was a tight race to determine who would take second place in the fight for Washington State Land Commissioner. After the first statewide hand recount for…
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Instead of going high, Democrats are going 'weird'
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Sound Politics is getting a little weird this week: Scott is solo hosting, and the pod is taking a break from our regular episode format due to the upcoming holiday weekend. Scott and Libby will be back with your regular 'ol normie Sound Politics next week. In the meantime, Scott is bringing you a conversation that's all about weird. Weird - it’s t…
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5 Ways To Make Your Home Easier As You Age, Ep #102
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https://forthrightfinances.com/5-ways-to-make-your-home-easier-as-you-age/
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Sound Politics is at the Democratic National Convention! Sound Politics co-hosts Libby Denkmann and Scott Greenstone are breaking down highlights from the convention so far, and how the Washington state delegation is showing up - and showing out. And later, Libby will take listeners to Redmond for a kind of counter-programming for local conservativ…
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6 Retirement Financial Myths to Avoid, Ep #101
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Sheryl Rowling over at Morningstar wrote a great piece on financial retirement myths that you shouldn't fall for. I go through each point in the video as well as add in my own thoughts. You can read the whole thing here: https://www.morningstar.com/personal-finance/6-retirement-financial-myths-avoid
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Now that the dust has settled on August voting, it's time to take a quick cleansing breath, and turn our attention to the four voter initiatives slated for the November ballot. They’re coming from the right side of the aisle, they’ve got some big money, and feisty politicians backing them. Northwest News Network state government reporter Jeanie Lin…
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We all know we need an estate plan, but we also need to get our financial house in order for when we pass away. By getting organized now you can make the life of your spouse/kids much easier when you eventually pass away. This episode talks about some things to consider while getting organized. https://forthrightfinances.com/planning-for-your-passi…
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It's Sound Politics' inaugural primary results episode! Sound Politics co-hosts Libby Denkmann and Scott Greenstone are breaking down results from races across the state - from Washington's 3rd congressional district to the Seattle City Council. Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to ku…
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A red-hot rematch is shaping up in purple southwest Washington
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Southwest Washington is home to one of the most consequential races of the 2024 election cycle - the outcome could change who’s in control of the U.S. House of Representatives come January 2025. Sound Politics co-hosts Libby Denkmann and Scott Greenstone break down the top three candidates for Washington's 3rd congressional district. Thank you to t…
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Brat Summer is over. The WA governor's race is here
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The primary election is coming in hot. KUOW has fast facts you need to know before voting. Scott Greenstone and Libby Denkmann co-host this new podcast from the KUOW newsroom. In our first episode, we break down the top four gubernatorial candidates. Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go …
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There’s a lot to wade through when it comes to Washington State politics. The drama, the facts, the money, and the movers and shakers. In Sound Politics KUOW host Libby Denkmann and politics reporter Scott Greenstone go behind the ballot to guide you through what’s happening in local politics, why it matters, and how you can use your vote to make a…
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Is Universal Basic Income Coming To America? Ep #99
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Last week, the Social Security Administration announced a rule change to a program called Supplemental Security Income, which will make approx 35M more Americans eligible to receive SSI benefits ($943/mo per eligible individual) from the federal government. In the video I go through the rule change via a CNBC article (linked below)Show Links:https:…
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The Only Annuity Strategy I Would Ever Use, Ep #98
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I don't love annuities, but this strategy does make sense for the right type of person in retirement.Here's the link to the blog:https://forthrightfinances.com/the-only-annuity-strategy-i-would-ever-use/Single Premium Annuity Info: https://www.annuity.org/annuities/immediate/
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Being diversified in your investment portfolio isn't always easy, especially when it leads to relative underperformance. Here's why that happens and why you should still stick to being diversified.
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How The Financial Media Persuades (Or Manipulates) You, Ep #96
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Whenever someone in the financial media is presenting information to you, you have to be curious about not only the data they present but also their own internal biases, as well as information they may be withholding.
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How To Retire: DIY or Hire A Financial Planner? (Part 11 of 11), Ep #95
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Should you hire a financial planner or should you DIY it? The truth is that either choice can be a great choice for you. If you love this stuff, want to keep up with changing tax laws/regulations/best practices, and you want to spend your time doing it, then it makes a lot of sense for you to DIY. And if you hate doing this and would much rather sp…
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How To Retire: Creating (or Reviewing) Your Estate Plan (Part 10 of 11), Ep #94
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The best time to plan for all the bad things that could happen in life is when you're physically and mentally healthy. Unfortunately, too many people delay or never get around to proper estate planning, leaving a giant headache (and sometimes worse) for their family and friends. Even though I love the lawyer Saul Goodman (from the TV show Better Ca…
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How To Retire: Getting What You Deserve From Social Security and Medicare (Part 9 of 11), Ep # 93
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Social Security and Medicare are key parts of your retirement, but often people don't make the best long term decisions with them (especially in terms of social security). In this episode, I go through the basics of each programs, and key considerations before making any decisions. You can find the full How To Retire series on my website: https://f…
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How To Retire: Paying For Long Term Care (Part 8 of 11), Ep # 92
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In this episode, I discuss a potentially large (or very small!) bill that could come later on in life: Long term care. Unfortunately, we don't know if we'll need it, nor do we know how much it will cost. That said, this episode will shed some light on what you can expect to pay if you do need it, as well as various ways you can pay for it. You can …
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How To Retire: Investing To And Through Retirement (Part 7 of 11), Ep # 91
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In this episode, I discuss some of the big mistakes investors make that cause them to not earn as much as they otherwise could. I also discuss what the investment decisions you need to make before and in your retirement. You can find the full How To Retire series on my website: https://forthrightfinances.com/howtoretire/If you find it helpful, plea…
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How To Retire: Paying Less In Lifetime Taxes (Part 6 of 11), Ep # 90
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In this episode, I go through why I think taxes could rise in the future, and go through 9 different tax planning strategies to consider. Not all of them will apply to you! Think of it as a buffet where you pick and choose what's the best fit for you and your situation.You can find the full How To Retire series on my website: https://forthrightfina…
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How To Retire: Using Asset Location To Be Tax Savvy (Part 5 of 11), Ep #89
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While most people are familiar with asset allocation (how you divide your investments among different asset classes), asset location is just as important. In this episode, I discuss the three main account types (taxable, tax-deferred, tax-free) as well as things to keep in mind when you figure out which investments to put in which account types.You…
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How To Retire: The Math Behind Your Retirement Paycheck (Part 4 of 11), Ep #88
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Unlike your working career (where most people rely on a paycheck from one place, with one type of tax treatment), in retirement, you are relying on multiple sources of income (Social Security, pension, investment distribution) to create your Retirement Paycheck. This episode goes through those sources and an example of how the math works.You can fi…
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How To Retire: Determine Your Retirement Expenses (Part 3 of 11), Ep #87
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The single most important thing you can do before you retire is to know how much you want to spend in retirement. Without that, we can't say confidently whether you can retire or not. And if we determine there's a shortfall (in terms of income), then we need to get to work to make tweaks as soon as possible. You can find the full How To Retire seri…
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How To Retire: Create Your Retirement Goals (Part 2 of 11), Ep #86
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After getting organized, we now need to know exactly what goals we're trying to reach. In this episode I discuss three types of goals that are all important to have a well rounded and successful retirement. You can find the full How To Retire series on my website: https://forthrightfinances.com/howtoretire/If you find it helpful, please share!If yo…
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How To Retire: Getting Your Financial House Organized (Part 1 of 11), Ep #85
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The first step to putting your retirement plan in place is getting organized so you know exactly where you stand financially today so we can make a game plan for the future. This episode goes through what documents you need to be organized.You can find the full How To Retire series on my website: https://forthrightfinances.com/howtoretire/If you fi…
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Introducing "How To Retire," an 11 Episode Series, Ep#84
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Welcome to How To Retire! I've put together an 11-episode series on the main things you need to do, and consider, as you approach retirement. This is a high-level overview so it won't be delving too deep into specifics, nor will it be able to offer you any specific advice. However, I think it's a great format to help you think through all the key i…
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Today's lesson: Ignore most (if not all) financial "experts" you see on TV, radio, podcasts, etc. Their goal is NOT to make you wealthy and have a comfortable retirement. Today's lesson: Ignore most (if not all) financial "experts" you see on TV, radio, podcasts, etc. Their goal is NOT to make you wealthy and have a comfortable retirement. #1: Mark…
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What Happens When You Mix Politics and Investing? Ep #82
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Lesson for today: Don't ever let your political beliefs change your investment decisions!Links for the show: -https://forthrightfinances.com/what-happens-when-you-mix-politics-and-investing/ -https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1509168 -https://www.wsj.com/articles/the-hidden-way-our-politics-skews-our-investing-choices-1470621902 -…
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Making Sense Of Inflation, the Federal Reserve and the Stock Market | And What To Do Next, Ep #81
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In this episode, I discuss how the Federal Reserve and Inflation are affecting the stock market, what could happen next, and how you should plan for it.
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10 Investing + Retirement Tips From Warren Buffett + Charlie Munger, Ep #80
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In this episode, I'll go through 10 retirement and investing quotes and tips from Warren Buffett and Charlie Munger.
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How To Think About Bonds In Retirement, Ep #79
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In this episode, I'm going to discuss how to think about your bond portfolio in retirement, in a way that's more useful than simply knowing what your overall asset allocation is (ie, what percentage of stocks vs bonds you have).
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Two Things About Retirement Expenses You Must Know, Ep #78
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In today's video I'm going to discuss a tip I saw in a recent WSJ article about retirement expenses, as well as a study on how much actual retirees spend in retirement. When you retire, it's really important to keep these two things in mind!
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Trying To Catch Up On Retirement Savings? Don’t Do This. Ep #77
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If you find yourself 5 to 15 years away from retirement, and you don't have as much saved up as you want, there's still time to get there, but you can't make costly mistakes along the way.
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Should You Invest In Crypto? Ric Edelman Says Yes. I'm Not So Sure. Ep #76
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Unless you have been living under a rock for the last few years, you have heard about the most recent craze to make loads of EASY money, cryptocurrency. While there are a lot of scammers and losers in the crypto space, that does not describe everyone who buys/supports crypto. One of the good guys of the financial advisor community, Ric Edelman, thi…
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Keep Your Investments SIMPLE As You Retire, You Don't Need Complexity And High Fees, Ep #75
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Friends: there are too many people in the financial world who try to tell you that you need more complex investments the older you get, the more assets you accumulate, the higher your income goes, etc. It's complete bunk. You can grow and maintain your wealth with smart, low cost, well diversified index funds. Don't let anyone tell you otherwise.…
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3 Reasons Why I Disagree With Warren Buffett's Investment Advice, Ep #74
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While I greatly admire Warren Buffett, and agree with a lot of what he says, one thing that I can't get behind is his recommendation on what to do with your money if you aren't going to play the stock picking game (which I don't think you should bother to try). Tune in to hear why I disagree with his advice, and what I think you should do instead.…
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AVOID THIS when hiring a Financial Advisor, Ep #73
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If you are looking to hire an advisor, this episode is a must listen so that you can avoid a big mistake with your investments that could come back to haunt you.
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This Is EXACTLY What I Would Do If I Was 60 And Had Nothing Saved For Retirement, Ep #72
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If you are 60 with nothing saved for retirement, I really do think you can still retire. It'll require lots of work and some sacrifices, but I think you can do it and I think it'd be worth it. Here's exactly what I would do if I was 60 with nothing saved for retirement.
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Elon Musk, Twitter, and Your Retirement, Ep #71
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Whether you love him or hate him, I really think everyone near/in retirement can learn an essential point from Elon Musk, that will be critical to your happiness in retirement. Here's the article referenced in the video: https://www.marketwatch.com/story/depression-isolation-loss-of-purpose-could-retirement-be-bad-for-your-mental-health-11643407859…
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Today's episode is a very short checklist of 6 things you absolutely have to do before you retire. If you can do all six, you'll be putting yourself in great shape to have a comfortable retirement.
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