Скачать или смотреть Generation X Retirement Strategies | Own Your Retirement Ep 57

Generation X is quickly approaching retirement, and many are discovering that saving alone isn’t enough. In this episode of Own Your Retirement, Albert Lalonde of Kaizen Financial Group and co-host Tony Shore break down the real challenges Gen X faces as they move closer to retirement, including managing risk, controlling fees, and avoiding unexpected taxes. They discuss why budgeting becomes more important in retirement than during working years, how to turn savings into reliable income, what the new SECURE 2.0 super catch-up rules mean for ages 60–63, and why tax planning, Social Security timing, healthcare costs, and legacy planning deserve attention now. This conversation is designed to help Gen X professionals and business owners gain clarity, avoid costly mistakes, and build confidence heading into retirement.

Timestamps:
00:02 – Welcome to Own Your Retirement and show overview
00:35 – Why retirement planning is different for Generation X
01:20 – Common concerns Gen X has about saving and confidence
03:05 – Defining Generation X and their financial diversity
03:53 – The three biggest retirement challenges: risk, fees, and taxes
05:04 – Why budgeting matters more in retirement than while working
06:43 – Housing decisions and downsizing realities for Gen X
07:57 – The importance of age 59½ and accessing retirement accounts
09:12 – Turning retirement savings into sustainable income
10:48 – Why withdrawal strategies matter more than account balances
12:03 – SECURE 2.0 and new catch-up and super catch-up contributions
13:30 – Roth requirements and tax considerations for high earners
15:35 – Why taxes may be higher in retirement than expected
17:40 – Roth strategies and managing future tax risk
19:01 – Diversifying by tax treatment, not just investments
19:26 – Social Security timing and common claiming mistakes
21:39 – Medicare, healthcare costs, and long-term care planning
22:30 – Using HSAs as a retirement healthcare strategy
23:46 – Investment risk as retirement approaches
24:13 – Managing volatility and protecting income
24:58 – How fees quietly erode retirement savings
25:52 – Legacy planning and updating beneficiaries
26:59 – Final thoughts and how to get help with a retirement plan

📞 Have questions? Need advice? Contact Albert Lalonde at Kaizen Financial Group to set up a consultation today!

👉 Call us at 586-752-7008
👉 Visit us at kaizenfinancialinc.com

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