Podcast
Ironclad Retirement
Hosted by Matt Richman · EN
Welcome to the Iron Clad Retirement podcast with retirement planning expert and Author of Iron Clad Retirement, Matt Richman.
Each episode features helpful insights, practical tips, and reliable counsel to help you protect your money and your family as you Fortify Your Retirement with Safe Money Strategies.
For the next few minutes enjoy listening as co-host Michael DeLon talks with Matt Richman about how you can Create an Iron Clad Retirement.
42episodes
Episodes
Newest firstAll episodes
Tax Traps in the Secure Act, etc.
Mar 2400:09:45Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, explains how the SECURE Act changed inherited IRA rules, replacing the “stretch IRA” for many heirs with a 10-year payout requirement. He discusses how large inherited IRA distributions can push adult children into higher brackets during peak earning years—and why proactive legacy planning matters.
Transcribe →Tax Torpedos and How to Avoid Them
Mar 1700:09:21Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, explains how unplanned withdrawals can trigger “tax torpedoes,” including higher Medicare premiums, higher taxable Social Security, and unexpected bracket jumps. They walk through how a major purchase (like a car) can cost far more than expected when taxes and IRMAA effects stack up.
Transcribe →An Inactive Retirement (not using $ for TIME & Memories... also No Go Years)
Mar 1000:09:14Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, and the host discuss the go-go, slow-go, and no-go seasons of retirement and why planning for later-life care matters. They explore how families can keep making memories even when travel becomes difficult—by bringing loved ones to you through staycations and intentional giving.
Transcribe →Lock In Your Lifestyle in Retirement
Mar 300:09:23Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, breaks down how retirees often underestimate spending needs and why retirement can cost as much—or more—than working years. He introduces his “Income Calibration System” and explains laddering income streams to help fight inflation and prevent running out of money.
Transcribe →The "Just-in-Case" Retirement (they don't spend as they should in fear)
Feb 2400:08:45Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman,explains why many retirees struggle to spend—even when they can afford it—and how an intentional income strategy can replace fear with freedom. He and the host discuss creating reliable cash flow, building a “private pension,” and why a statement balance isn’t the same thing as a real plan.
Transcribe →Underliving Your Retirement (Saving vs Spending = Less Joy & Fewer Memories)
Feb 1700:09:01Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, discusses why many retirees skip vacations, say no to experiences, and hoard assets for heirs—only to have those assets often spent within about 18 months. Matt explains how predictable “mailbox money” can relieve anxiety and give clients permission to spend. Michael ties it back to the bigger goal of using money to create memories, not just a pristine balance sheet.
Transcribe →The Retirement Multiplier
Feb 1000:09:35Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, introduces the “retirement multiplier” concept, arguing that the biggest risk in retirement isn’t the market—it’s how long you live. The longer your retirement lasts, the more chances you have to encounter downturns, health issues, and rising costs, making a long-term, resilient plan critical.
Transcribe →Your IRA is an IOU to the IRS
Feb 300:11:12Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, reframes traditional retirement accounts as IOUs to the IRS. He explains how contributions, employer matches, and all the growth inside those accounts are eventually taxed—and why many retirees overestimate how much of that balance they truly get to keep.
Transcribe →Having a License to Spend (like 007)
Jan 2700:11:00Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, explains how structured income planning gives clients the psychological permission to spend, and shares a story of a couple with several million dollars who still felt paralyzed by fear. Michael compares retirement planning to dialing in a multi-digit lock—taxes, Social Security, market risk, and emotions all have to line up to unlock real freedom.
Transcribe →Hopium is NOT a Retirement Plan
Jan 2000:09:35Tap to summarizeBestselling Author and Retirement Planning Expert, Matt Richman, explains why so many retirement plans are built on “hopium” – optimistic assumptions about market returns, behavior, and timing – instead of hard math. He and Michael talk about structuring retirement so essential expenses are covered by reliable income sources, freeing you to invest and spend without constant anxiety.
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