Finances can be confusing. Even though we have access to an infinite amount of information, often there is a disconnect between information and application. That’s why the GenWealth team has devoted over 15 years to bringing you straight talk about retirement, investments, and your money on the Get Ready for the Future Show. The information you need and how to apply it is right at your fingertips.

The Get Ready for the Future Show

Featured Episode

"We’re 58 and have never had life insurance. Is it still worth looking into, or have we missed the boat?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ We're in our early 60s and just sold our business and netted about $1.4 million. How do we turn that into sustainable retirement income without blowing it?
✅ My spouse is risk-averse, but I’m more comfortable with market risk. How do we find a retirement strategy we can both live with?
✅ I’m 50, work in healthcare, and my employer offers a pension. How does this fit with my other savings?

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
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❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
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#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS5GNkE1RDlGNkFDMUQ5NjhD

Have We Missed the Boat On Life Insurance? | The Get Ready for the Future Show

GenWealth Financial Advisors August 4, 2025 11:27 am

Want answers to your questions about retirement, investments and your money?

Recent Episodes

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS5GNkE1RDlGNkFDMUQ5NjhD

August 4th

"I’ve been self-employed for years and never set up a formal retirement plan. At 55, is it too late to catch up — or should I just invest in a brokerage account?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ We’re 57 and have a paid-off house worth $500,000, but not much in retirement savings. Should we consider a reverse mortgage later on?
✅ We’re 63 and thinking about converting part of our IRA to a Roth before RMDs hit. How do we know if it’s the right time?
✅ I’m 48 and earn too much to contribute to a Roth. Should I look into backdoor Roth strategies, or just focus on my 401(k)?

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
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❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
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#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS44QzA1MTlDRDBERERGNDhG

August 1st

"We have around $900,000 saved, but most of it is in my accounts — not my spouse’s. Should we try to even that out, or does it not matter come retirement?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ I’m 60 and was recently offered a consulting role that pays well but has no benefits. Should I take it and delay retirement, or walk away and enjoy life now?
✅ I’m 52 and work in tech, which is volatile. I’ve saved around $350,000. What’s the best move if I get laid off before I’m ready to retire?
✅ My spouse wants to move closer to the grandkids, but the cost of living is higher there. We’re 65 and planning to retire this year — how do we know if we can afford it?

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
–
❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
–
#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS5FQTk3MjE5N0NBMTU2NjMz

July 18th

"We’re 61 and 62 and just paid off our mortgage. Should we keep aggressively saving or start shifting toward preserving what we’ve already built?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ I’ve got $500,000 in a 401(k), but I’m burned out and considering a career break. I’m 53 — can I step away for a while without wrecking my future?
✅ I’ve saved $600,000 and I’m 59, but I still have $25,000 in credit card debt. Should I use savings to wipe it out or keep plugging away with payments?
✅ We’re 66 and retiring next year. Do we need to keep emergency savings in retirement, or will our investment accounts cover any surprises?

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
–
❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
–
#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS4zQzRFNTU5MDI0RUU0N0E0

July 11th

"We’ve got around $750,000 saved, plan to retire in 8 years, but we’re really unsure about healthcare costs. How do we budget for premiums and unexpected medical expenses?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ I’m 47, single, and own a small business. What’s the easiest way to get started on a retirement plan without feeling overwhelmed?
✅ We’re 64 and just paid cash for a camper to travel in retirement. Did we just sink too much of our liquid savings into something that won’t pay us back?
✅ We've got about $1.1 million saved, but nearly all of it is in traditional IRAs. How do we keep from getting crushed by taxes in retirement?

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
–
❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
–
#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS4wNTk4QjhCMzFDNkQ2MDg3

July 10th

"We’re in our early 50s, and my wife is inheriting around $200,000. What’s the smartest way to use an inheritance in your prime working years?" We're answering YOUR questions on this week's Get Ready For The Future Show!

✅ My husband and I are considering buying long-term care insurance, but the premiums are steep. Is there a point where it no longer makes sense?
✅ I’m 45 and just now getting serious about retirement with very little in savings. Is it too late to catch up and still retire in my 60s?
✅ My spouse is retired and I’m still working. Where do we even begin with coordinating withdrawals, Social Security, and taxes?!

All this straight talk and more LIVE, Wednesday at 11:30!🎙️
–
❓ Have your own questions? Call or text us at 501.381.5228 or email show@getreadyforthefuture.com. We're here to help you navigate the journey to true financial independence. See you there!
–
#financialindependence #retirementincome #retirementplanning #retirement #retirementincomeplanning #financialadvisor #financialplanning #retirementlife #podcast #radioshow #radio #personalfinance #financialfreedom #genwealthfinancialadvisors #finance #money #financialeducation #financialliteracy #financepodcast #investing #investmentstrategy #investments #QandA #retirementincome

YouTube Video UExzZlYxeWFSQVV1NVc1MWZ0emUxYUR6bDdrTm5CLTFnZS40NzEyNzI1NzVCNTRBODVD

July 7th

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Highlights

Worried about running out of money in retirement?

Gary wrote in with a common concern: he's in his 60s, invested mostly in stocks, and wondering how to adjust his investment strategy to account for inflation and income needs in retirement.

In this episode of the Get Ready for the Future Show, the team walks through what changes in your financial playbook once you enter the Retirement Red Zone—the critical 10 years before retirement. Using real-life sports analogies and practical advice, we explain:

✅ Why diversification is more important than ever
✅ How a bucketing strategy protects against market downturns
✅ Why it's time to shift focus from growth to income and inflation protection
✅ The risks of sticking with an accumulation mindset
✅ The importance of guaranteed income sources like Social Security and annuities

🎯 Learn how to go from growth-focused to income-focused without fumbling your retirement plan.

👉 Subscribe for more retirement insights
📞 Ready to build your retirement strategy? Visit getreadyforthefuture.com

#Finance #FinancialAdvisor #FinancialIndependence #FinancialPlan #FinancialPlanning #Retirement #RetirementPlan #RetirementPlanning

YouTube Video UExzZlYxeWFSQVV1NGVfRXdDc09LLUtGMThJWlRYSmFDOC5CNTZGMjVCRkQxNjhERDA1

Wed June 18th

Thinking about starting a 529 plan but not sure if it’s the right move? In this episode, we answer a listener question from Andrew, a father of two approaching age 40, who's trying to decide between opening a 529 college savings plan or continuing to invest in a regular brokerage account.

Our financial advisors break down:

– When a 529 plan makes the most financial sense
– Why your own retirement plan should come first
– The tax benefits and new flexibility of 529s (including Roth IRA rollovers!)
– Key differences between a 529, UTMA, and after-tax investment account

If you're a parent trying to balance education savings with your long-term financial independence, this discussion is for you.

👉 Subscribe for more practical financial advice.

📅 Schedule a meeting with a GenWealth Advisor: https://getreadyforthefuture.com/get-in-touch/

🎧 Listen to more retirement conversations: https://open.spotify.com/show/4qJdSnH8Ig5qAD2JkGOiv2?si=dd82bef7e64540ce

#FinancialAdvisor #FinancialPlanning #FinancialPlan #College #CollegePlanning #Education #EducationCosts

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Tue June 17th

👉 Turning 65 doesn't mean your health care worries are over.

Part A is free, but it only covers hospital care. Part B? That starts at $185/month — and that’s just the beginning.

✅ Don't go it alone. Review your Medicare plan every single year with the help of a coach.

#MedicareMyths #RetirementPlanning #MedicareTips #FinancialFreedom #GenWealth

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Mon June 2nd

Many people decide when to claim Social Security in a vacuum—and that can be a costly mistake. In this Get Ready For The Future Show highlight, we answer this question from David in Conway:

"I feel like I’ve done a decent job saving for retirement, so I’m debating whether to start Social Security at 62 – or wait until 67 or even 70. How do I decide the best time to claim based on my personal situation? "

This video breaks down how to think about Social Security in context with your investment assets, retirement timeline, and long-term income needs. Whether you're single or married, still working or ready to step away, these insights could make a big difference.

📞 Need help making a plan? Talk to a GenWealth Financial Advisor today. 866-653-PLAN (7526)

🎧 Listen to more retirement conversations: https://open.spotify.com/show/4qJdSnH8Ig5qAD2JkGOiv2?si=dd82bef7e64540ce

#FinancialAdvisor #FinancialPlanning #FinancialPlan #SocialSecurity #Retirement #RetirementPlanning #SocialSecurityBenefit

YouTube Video UExzZlYxeWFSQVV1NGVfRXdDc09LLUtGMThJWlRYSmFDOC5EN0E0MjMyMEY5RjIxNDc4

Mon June 2nd

Are you a widow or retiree concerned about how to afford long-term care and protect your family from financial burdens? You're not alone. In this video, we answer a heartfelt question from Jane:

"I’m a 62-year-old widow, and I’m starting to worry about the cost of long-term care if my health takes a turn as I get older. At the same time, I want to make sure my healthcare directives are in order so that my kids know my wishes if I can’t speak for myself. I don’t have a huge estate, but I do want to protect what I have for them. How should I balance purchasing long-term care insurance, setting up advance directives, and safeguarding my remaining assets?"

In this Get Ready For The Future Show highlight, we walk through:

– The four main ways to pay for long-term care (self-insuring, traditional LTC insurance, hybrid life insurance policies, and Medicaid)
– Why timing matters for qualifying and affording coverage
– The importance of healthcare directives like a living will, healthcare proxy, and power of attorney
– How to safeguard assets with tools like trusts and beneficiary designations
– Why annual financial check-ins are key to keeping your plan up to date

Whether you're in your early 60s or helping a parent through these decisions, this is essential information to help you feel confident and prepared.

📞 Need help making a plan? Talk to a GenWealth Financial Advisor today. 866-653-PLAN (7526)

🎧 Listen to more retirement conversations: https://open.spotify.com/show/4qJdSnH8Ig5qAD2JkGOiv2?si=dd82bef7e64540ce

#FinancialAdvisor #EstatePlanning #Will #Trust #PersonalFinance #LegacyPlanning

YouTube Video UExzZlYxeWFSQVV1NGVfRXdDc09LLUtGMThJWlRYSmFDOC5EOUY5Mzk1MTdBNkFERUU3

Sun June 1st

Many people think a basic will is enough—but that’s one of the most common (and costly) estate planning mistakes.

"Do I really need more than a basic will? What are the biggest mistakes people make with estate planning that I should be aware of?"

In this Get Ready For The Future Show highlight, we dive into real-world experiences, common oversights like outdated beneficiaries, misunderstanding per stirpes vs. pro rata, and why unfunded trusts or misaligned deeds can create big problems for your loved ones.

Whether you're just starting your estate plan or revisiting it after a major life change, this conversation will give you practical tips to help ensure your wishes are honored and your family isn’t left with a mess.

Chapters include:

– Why a basic will may not be enough
– Real stories from probate disasters
– Per stirpes vs. pro rata: What it really means
– Trusts, powers of attorney, and health care directives
– The #1 estate planning mistake: Doing nothing

👉 Ready to protect your legacy? Meet with a financial advisor and estate attorney to get started.

📞 Talk with a financial advisor: https://getreadyforthefuture.com/get-in-touch/
🎧 Listen to more retirement conversations: https://open.spotify.com/show/4qJdSnH8Ig5qAD2JkGOiv2?si=dd82bef7e64540ce

#FinancialAdvisor #EstatePlanning #Will #Trust #PersonalFinance #LegacyPlanning

YouTube Video UExzZlYxeWFSQVV1NGVfRXdDc09LLUtGMThJWlRYSmFDOC41NzM2MjIwMkNBRDAxNEIy

Sat May 31st

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