Most investors ask the wrong question: “How much can I withdraw?” But what if the better question is, “How much income can my portfolio generate?” In this episode, we break down the popular 4% rule, why it dominates the industry, and the hidden risks behind relying on withdrawals. We also compare income generation vs. selling assets—and how each approach impacts your long-term financial security. If you want clarity, confidence, and a strategy built to last, this conversation is a must-watch.

www.planningmadesimple.com

Is $1 million really the magic number for retirement—or just a myth? In this episode, we break down where that number came from and why it may not apply to your life. We explore what actually determines financial independence, including income needs, lifestyle, and dividend strategies. If you’ve ever wondered whether you’re “on track” or behind, this conversation will give you clarity and confidence. Retirement isn’t about hitting a number—it’s about building reliable income.

Are you hurting your portfolio by doing nothing?

In this episode, we break down the power of rebalancing and why most investors completely overlook it. While many focus on buying and holding, the real advantage comes from strategically adjusting your portfolio over time.

You’ll learn how rebalancing helps you:

• Lock in gains

• Take advantage of market volatility

• Increase income potential

• Reduce long-term risk

  
  

We also dive into the hidden cost of doing nothing — and why passive investing without a strategy can actually hurt your growth and income.

If you want to become a more disciplined investor and make smarter decisions, this episode is for you.

planningmadesmiple.com

Why does investing feel so stressful—even when you’re doing everything “right”?

In this episode of Planning Made Simple, we uncover the real reason behind financial stress—and it’s not the stock market.

Joined by Jeff Holmsworth, we break down how lack of systems, emotional decision-making, and an unbalanced life create anxiety around money. From faith and family to fitness and finances, this conversation dives into what it actually takes to build a stable, confident financial life.

If you’ve ever felt out of control with your money, this episode will help you understand why—and more importantly, how to fix it.

Links:

Planningmadesimple.com

vigr8.com

Most people assume more money means less stress in retirement. But for many retirees, building a larger nest egg can actually create more complexity, especially when taxes, RMDs, inherited IRAs, Medicare surcharges, and long-term income planning all start colliding.

In this episode, the team breaks down why retirement can get harder around the $3 million mark and why the real issue is not just wealth, but how that wealth is taxed, distributed, and passed on. They also explain why focusing only on this year’s tax bill can lead to much bigger problems later.

If you want to better understand retirement income, tax strategy, dividend investing, and the long-term impact of RMDs, this conversation is packed with practical insight.

www.planningmadesimple.com

Can you really live off dividend income? The short answer: yes—but it’s not that simple.

In this episode, we break down the real strategy behind living off dividends and why most investors misunderstand how it actually works. It’s not just about yield—it’s about designing a complete income plan for retirement.

We cover:

• Why dividend income alone isn’t the full picture

• The role of Social Security, pensions, and other income streams

• How to calculate what you actually need to live on

• The difference between “essential” expenses and lifestyle spending

• Why selling assets can create long-term risk

• How to build a sustainable income strategy

  
  

If you’ve ever wondered whether dividends alone can fund your lifestyle, this episode gives you the honest answer—and the framework to figure it out for yourself.

📩 Want help building your plan? Comment “Dividend Starter Kit” below.

www.planningmadesimple.com

Do dividend investors really need international stocks in their portfolio? In this episode, we break down one of the biggest assumptions in investing: that global diversification automatically makes your portfolio better. We talk through the real tradeoffs, including currency risk, foreign taxes, reinvestment limitations, political risk, and the emotional side of owning businesses you may not fully understand. If you’ve ever wondered whether international dividend stocks actually improve your income strategy—or just make things more complicated—this episode is for you.

www.planningmadesimple.com

War headlines can create fear and uncertainty in the stock market—but history shows markets often react emotionally before stabilizing.

In this episode, we break down what happens to the stock market during major geopolitical events and why dividend-paying stocks have historically been a place investors turn during uncertain times.

We also discuss oil price volatility, market reactions to global conflicts, and how investors can stay disciplined instead of reacting to headlines.

If you’re worried about what war could mean for your investments, this episode will help you understand the bigger picture and why a long-term strategy matters.

planningmadesimple.com