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cover of episode Mailbag: “I’m single and retiring soon, how can I make my money last?”

Mailbag: “I’m single and retiring soon, how can I make my money last?”

2025/6/6
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
People
B
Bernadette
J
Jean Chatzky
L
Liz
联合主持人和内容创作者，专注于娱乐业和个人幸福的播客《Happier in Hollywood》。
Topics
Liz: 我正在考虑购买年金或构建 TIPS 梯子，以增加退休后的财务安全感。我希望确保在退休后有稳定的收入来源，并且能够应对通货膨胀。我更倾向于知道自己肯定有足够的钱来支付开支，即使这意味着错过一些市场收益。我仍然会在其他资产中持有市场风险，所以我不觉得我会错过。 Jean Chatzky: Liz 正在寻求确保退休后有足够的收入来源，同时应对通货膨胀并保持投资增长。确保有足够的资金来支付固定开支的想法对我很有吸引力。确定基本固定成本，并使用收入工具来弥补社会保障金和必需支出之间的差距，这是一个明智之举。可以同时构建 TIPS 梯子和购买年金，以实现多元化保障。最终的决定取决于回报、流动性以及是否愿意锁定一笔资金。

Deep Dive

Chapters
Liz, nearing retirement, seeks advice on securing steady income while keeping pace with inflation. Jean discusses annuities, TIPS ladders, and Roth conversions, highlighting the psychological comfort of a regular income stream and the importance of balancing liquidity with market exposure.
  • Annuities offer guaranteed income but may lack liquidity and come with high costs.
  • TIPS ladders provide inflation protection and more liquidity than annuities.
  • Combining both strategies can offer a balanced approach.
  • Consider a QLAC (Qualified Longevity Annuity Contract) for additional income later in retirement.

Shownotes Transcript

In this special AMA Mailbag episode, Jean sits down with two thoughtful guests navigating how to prepare for retirement as single women. 

First up is Liz, who’s about a year out from retiring. She’s done a lot of smart planning, but wants to double-check her next moves. We’re talking about annuities, TIPS ladders, Roth conversions, and how to create steady, reliable income in retirement. Then we hear from Bernadette, who is in her 50s and starting to look into long-term care options, but is having some major sticker shock. So if you're single, planning ahead, and want to protect your future without sacrificing flexibility, this one’s for you.

💡 Topics Covered:

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Long-term care planning for single women

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Preparing for retirement in the next few years 

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The psychological comfort of a “retirement paycheck”

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