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Should You Use Life Insurance To Pay Tax?

by Neal Frankle, CFP ®, The article represents the author's opinion. This post may contain affiliate links. Please read our disclosure for more info.

A faithful Pilgrim reader posted a great question about taxes and insurance a few days ago. He’s in his mid-30’s and he is concerned about the taxes his family would have to pay on his 401k should he die. He was wondering if he should buy a universal life insurance policy in order to pick up the tax bill. I suggested that he probably didn’t need to do that. Instead, I told him to scratch this off his “to worry about “list and buy himself an extra-large orange juice to celebrate – extra pulp please. Here’s what was behind this answer:

1. Probably No Estate Tax To Be Concerned About

If our reader has a taxable estate, permanent life insurance is actually smart to consider. But very few people have to worry about that. That’s because under 2014 estate tax law, you have to have a net estate in excess of $5.34 million before the estate tax kicks in. If our reader is at that level, then universal life might indeed be a good idea. But if our reader’s estate is more modest, he doesn’t have to worry about buying permanent life insurance. Why pay to fix a problem he doesn’t have?

2. No Income Tax Problem

Our reader probably doesn’t have an income tax problem to think about either. Remember, he is 35. Like everyone else, he doesn’t know how long he’s going to live. At some point he will have to start taking mandatory distributions. (Often, 401k plans allow participants to delay distributions until age 75 as opposed to an IRA where the RMDs start at age 70 1/2.) If he lives long enough, he’ll be forced to withdraw all the proceeds of the account and pay the income tax on those distributions each year. If that’s the case, his family won’t have any tax liability on the retirement account because there won’t be one. And if the reader dies before he withdraws the entire account his family still won’t have to worry about paying income tax if they play it right. The spouse can roll over the 401k into her own IRA completely tax free. And the non-spouse beneficiaries can roll his 401k into their own inherited IRA accounts.The beneficiaries will have to take some taxable distributions immediately. But they can defer most of the tax for decades. Again, they probably won’t incur a big tax liability in any one year so there is no need for the insurance in this instance either.

 

3. Future Tax

Our reader is smart to be thinking about the future. I love that. But I don’t think it’s prudent for him to buy permanent life insurance out of fear that tax law might change in the future. There is no question about it; tax law will change. It changes every year. But that doesn’t necessarily mean that will be to our reader’s detriment.

It does not make sense to spend a lot of bread now fixing a problem that doesn’t exist now and one he may never have. I do believe that our reader should look into buying life insurance but I can’t see any compelling reason why that should be universal, whole life or variable life. Those policies are typically 7 to 10 times more expensive than term. For that reason, I only recommend that kind of insurance when there is a clear and present reason to do so. Are you using insurance for your future planning? How?

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Who is Neal Frankle

Neal Frankle

I'm a CERTIFIED FINANCIAL PLANNER™ Professional with more than 25 years of experience. I feel very blessed and hope to share my personal financial experience and professional wisdom with readers of WealthPilgrim.
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*Quicken*
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*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
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No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

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►See this Chart--shows that bank reserves are plummeting
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==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

*Watch These Related Videos:*

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https://youtu.be/Me0q_qjQ2yk

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https://youtu.be/HIjaOmFzpjw

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https://youtu.be/HIjaOmFzpjw

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https://youtu.be/AVRItboxE7Y

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*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

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https://youtu.be/Me0q_qjQ2yk

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https://youtu.be/HIjaOmFzpjw

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https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*How to Fight Inflation on a Retirement Income*
►Is inflation temporary or here to stay?
►Do Gold or Stocks provide a hedge against inflation?
►How to reinvest dividends today for a bigger nest egg tomorrow
►Why part-time or gig work is the ULTIMATE hedge against inflation
►Can you prosper from inflation?
►Get out of corrosive debt now https://wealthpilgrim.com/corrosive-debt/
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnp1cUhtRGR3U0NV

5 Ways to Fight Inflation on a Retirement Income

Retirement Crusaders March 13, 2023 4:00 AM

*Hidden Investment Fees in Your Mutual Funds Can Cost You Thousands - Know what you REALLY pay*
►What is the tax drag on your mutual fund (where to find it)?
►What is the cost of slippage on your mutual fund (a big hidden cost)?
►Does your mutual fund pay kickbacks (see this example)?
►Are you paying fees to help the fund find new investors?
►How to calculate the effect of turnover on your mutual funds
►Where to uncover your mutual fund fees quickly  and know what you're REALLY paying

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Hidden Investment Fees in Your Mutual Funds Can Cost You Thousands - Know what you REALLY pay*
►What is the tax drag on your mutual fund (where to find it)?
►What is the cost of slippage on your mutual fund (a big hidden cost)?
►Does your mutual fund pay kickbacks (see this example)?
►Are you paying fees to help the fund find new investors?
►How to calculate the effect of turnover on your mutual funds
►Where to uncover your mutual fund fees quickly and know what you're REALLY paying

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnFFcGc4di1nTGRR

Mutual Fund Investment Fees - EXPOSED!

Retirement Crusaders March 6, 2023 5:00 AM

*Have more cash flow and a more flexible retirement when you rent*
► Why home equity is not a good thing - it earns 0%
► The hidden cost of owning vs renting
► How to inflation-proof your income for rent increases
► Rents are 46% less than owning in many areas
► Enjoy fewer headaches and a more flexible care-free retirement
► Why the tax benefits of owning are much smaller (or non-existent) in retirement

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Have more cash flow and a more flexible retirement when you rent*
► Why home equity is not a good thing - it earns 0%
► The hidden cost of owning vs renting
► How to inflation-proof your income for rent increases
► Rents are 46% less than owning in many areas
► Enjoy fewer headaches and a more flexible care-free retirement
► Why the tax benefits of owning are much smaller (or non-existent) in retirement

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLjBCRWp3dERTUG5v

5 Advantages to Rent vs Own a Home in Retirement

Retirement Crusaders February 28, 2023 6:00 AM

*Will Congress Cut Your Social Security or Can They Fix It and Make Someone Else Pay?*
►Why is Social Security Going Broke?
►Here's What Most People Believe about Social Security and it's WRONG
►Where you can find the truth about Social Security
►The two demographic problems with Social Security that cannot be fixed
►Link to Social Security Trustees Report https://www.ssa.gov/oact/TR/
►See the video on how Social Security Really Works  https://youtu.be/YzN6rr0dBhg

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Will Congress Cut Your Social Security or Can They Fix It and Make Someone Else Pay?*
►Why is Social Security Going Broke?
►Here's What Most People Believe about Social Security and it's WRONG
►Where you can find the truth about Social Security
►The two demographic problems with Social Security that cannot be fixed
►Link to Social Security Trustees Report https://www.ssa.gov/oact/TR/
►See the video on how Social Security Really Works https://youtu.be/YzN6rr0dBhg

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLk1lMHFfcWpRMnlr

Why Congress Needs to Cut Your Social Security Benefits

Retirement Crusaders February 20, 2023 4:00 AM

*Here's How to Earn Income from Consulting in Retirement-No Matter Your Skills-*
►Understand why companies always need part-time/temporary workers
►How to identify companies that will hire you
►Use Research Interviews to Open Many Doors
►Use Linkedin to find these people to call
►How one interview leads to the next and the next
►Undertand why consulting work is a much better long-term solution for retirement income

===========================================================

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

============================================================

Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:

*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

============================================================

*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession-Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Here's How to Earn Income from Consulting in Retirement-No Matter Your Skills-*
►Understand why companies always need part-time/temporary workers
►How to identify companies that will hire you
►Use Research Interviews to Open Many Doors
►Use Linkedin to find these people to call
►How one interview leads to the next and the next
►Undertand why consulting work is a much better long-term solution for retirement income

===========================================================

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

============================================================

Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:

*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

============================================================

*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession-Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlZPcDdVVlg2VXM0

How to Earn Part-Time Consulting Income in Retirement

Retirement Crusaders February 13, 2023 6:00 AM

*Our 3 Favorite Dividend Stocks for 2023 (with growth potential too)*
Foreign stocks that pay dividends usually have a tax withheld by the issuing country.  But that tax in most cases can be reported on your US tax return and you are not charged US tax also. These stocks should be held outside of an IRA so you can get credit on your tax return for payment of the tax

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

=======================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
=======================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Our 3 Favorite Dividend Stocks for 2023 (with growth potential too)*
Foreign stocks that pay dividends usually have a tax withheld by the issuing country. But that tax in most cases can be reported on your US tax return and you are not charged US tax also. These stocks should be held outside of an IRA so you can get credit on your tax return for payment of the tax

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

=======================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
=======================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLkhJamFPbUZ6cGp3

3 Best Dividend Stocks for 2023

Retirement Crusaders February 6, 2023 11:48 AM

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*What Happens When Congress Fails to Raise the Debt Ceiling?*
►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?
►Last Time the Stock Market Fell 16% that Month
►How the Debt Affects US Dependency on Other Countries
►The Razor Thin Margin in Congress is Different This Time
►How 5 People in Congress Can Throw the Country into Economic Turmoil

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*What Happens When Congress Fails to Raise the Debt Ceiling?*
►Has the US Ever Defaulted or Failed to Raise the Debt Ceiling?
►Last Time the Stock Market Fell 16% that Month
►How the Debt Affects US Dependency on Other Countries
►The Razor Thin Margin in Congress is Different This Time
►How 5 People in Congress Can Throw the Country into Economic Turmoil

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlF4UEhJUU01aTdV

National Debt Default is Possible by June

Retirement Crusaders March 27, 2023 5:00 AM

*Why Medicare Advantage is Superior to Traditional Medicare*
►The 4 Problems with Traditional Medicare
►How to Minimize Your out-of-pocket Medical Costs
►Medical Care When Travelling
►5 Advantages of Medicare Advantage Plans


==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why Medicare Advantage is Superior to Traditional Medicare*
►The 4 Problems with Traditional Medicare
►How to Minimize Your out-of-pocket Medical Costs
►Medical Care When Travelling
►5 Advantages of Medicare Advantage Plans


==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnFLZVJvTms3MFhn

5 Reasons to Quit Traditional Medicare

Retirement Crusaders March 22, 2023 11:48 AM

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank?*
►The US is one of two countries that has no requirement for banks to maintain reserves
►The one thing that keeps banks safe (it's not the FDIC)
►Does your bank have sufficient cash on hand for withdrawals?
►Does your bank have adequate reserves?
►See this Chart--shows that bank reserves are plummeting
►The risk of Commercial Banks vs Retail Banks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Why did SVB Bank Collapse and Could the Same Happen to Your Bank?*
►The US is one of two countries that has no requirement for banks to maintain reserves
►The one thing that keeps banks safe (it's not the FDIC)
►Does your bank have sufficient cash on hand for withdrawals?
►Does your bank have adequate reserves?
►See this Chart--shows that bank reserves are plummeting
►The risk of Commercial Banks vs Retail Banks

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLmlLTTd1am5BUHNn

Bank Meltdown-Could Your Bank Collapse Like Silicon Valley Bank (SVB)?

Retirement Crusaders March 14, 2023 5:00 AM

*How to Fight Inflation on a Retirement Income*
►Is inflation temporary or here to stay?
►Do Gold or Stocks provide a hedge against inflation?
►How to reinvest dividends today for a bigger nest egg tomorrow
►Why part-time or gig work is the ULTIMATE hedge against inflation
►Can you prosper from inflation?
►Get out of corrosive debt now https://wealthpilgrim.com/corrosive-debt/
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*How to Fight Inflation on a Retirement Income*
►Is inflation temporary or here to stay?
►Do Gold or Stocks provide a hedge against inflation?
►How to reinvest dividends today for a bigger nest egg tomorrow
►Why part-time or gig work is the ULTIMATE hedge against inflation
►Can you prosper from inflation?
►Get out of corrosive debt now https://wealthpilgrim.com/corrosive-debt/
==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnp1cUhtRGR3U0NV

5 Ways to Fight Inflation on a Retirement Income

Retirement Crusaders March 13, 2023 4:00 AM

*Hidden Investment Fees in Your Mutual Funds Can Cost You Thousands - Know what you REALLY pay*
►What is the tax drag on your mutual fund (where to find it)?
►What is the cost of slippage on your mutual fund (a big hidden cost)?
►Does your mutual fund pay kickbacks (see this example)?
►Are you paying fees to help the fund find new investors?
►How to calculate the effect of turnover on your mutual funds
►Where to uncover your mutual fund fees quickly  and know what you're REALLY paying

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Hidden Investment Fees in Your Mutual Funds Can Cost You Thousands - Know what you REALLY pay*
►What is the tax drag on your mutual fund (where to find it)?
►What is the cost of slippage on your mutual fund (a big hidden cost)?
►Does your mutual fund pay kickbacks (see this example)?
►Are you paying fees to help the fund find new investors?
►How to calculate the effect of turnover on your mutual funds
►Where to uncover your mutual fund fees quickly and know what you're REALLY paying

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt-cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLnFFcGc4di1nTGRR

Mutual Fund Investment Fees - EXPOSED!

Retirement Crusaders March 6, 2023 5:00 AM

*Have more cash flow and a more flexible retirement when you rent*
► Why home equity is not a good thing - it earns 0%
► The hidden cost of owning vs renting
► How to inflation-proof your income for rent increases
► Rents are 46% less than owning in many areas
► Enjoy fewer headaches and a more flexible care-free retirement
► Why the tax benefits of owning are much smaller (or non-existent) in retirement

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Have more cash flow and a more flexible retirement when you rent*
► Why home equity is not a good thing - it earns 0%
► The hidden cost of owning vs renting
► How to inflation-proof your income for rent increases
► Rents are 46% less than owning in many areas
► Enjoy fewer headaches and a more flexible care-free retirement
► Why the tax benefits of owning are much smaller (or non-existent) in retirement

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Why Congress Needs to Cut Your Social Security Benefits
https://youtu.be/Me0q_qjQ2yk

👍 3 Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLjBCRWp3dERTUG5v

5 Advantages to Rent vs Own a Home in Retirement

Retirement Crusaders February 28, 2023 6:00 AM

*Will Congress Cut Your Social Security or Can They Fix It and Make Someone Else Pay?*
►Why is Social Security Going Broke?
►Here's What Most People Believe about Social Security and it's WRONG
►Where you can find the truth about Social Security
►The two demographic problems with Social Security that cannot be fixed
►Link to Social Security Trustees Report https://www.ssa.gov/oact/TR/
►See the video on how Social Security Really Works  https://youtu.be/YzN6rr0dBhg

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Will Congress Cut Your Social Security or Can They Fix It and Make Someone Else Pay?*
►Why is Social Security Going Broke?
►Here's What Most People Believe about Social Security and it's WRONG
►Where you can find the truth about Social Security
►The two demographic problems with Social Security that cannot be fixed
►Link to Social Security Trustees Report https://www.ssa.gov/oact/TR/
►See the video on how Social Security Really Works https://youtu.be/YzN6rr0dBhg

==================================================================
*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

====================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
====================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Three Best Dividend Stocks for 2023
https://youtu.be/HIjaOmFzpjw

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLk1lMHFfcWpRMnlr

Why Congress Needs to Cut Your Social Security Benefits

Retirement Crusaders February 20, 2023 4:00 AM

*Here's How to Earn Income from Consulting in Retirement-No Matter Your Skills-*
►Understand why companies always need part-time/temporary workers
►How to identify companies that will hire you
►Use Research Interviews to Open Many Doors
►Use Linkedin to find these people to call
►How one interview leads to the next and the next
►Undertand why consulting work is a much better long-term solution for retirement income

===========================================================

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

============================================================

Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:

*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

============================================================

*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession-Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Here's How to Earn Income from Consulting in Retirement-No Matter Your Skills-*
►Understand why companies always need part-time/temporary workers
►How to identify companies that will hire you
►Use Research Interviews to Open Many Doors
►Use Linkedin to find these people to call
►How one interview leads to the next and the next
►Undertand why consulting work is a much better long-term solution for retirement income

===========================================================

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

============================================================

Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:

*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/

============================================================

*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement - How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession-Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice. These videos are for general educational purposes and not meant to advise you on your individual circumstances. Please consult a professional.

YouTube Video VVVvVTBidWh3VnBselhyc3lmMzQybk9nLlZPcDdVVlg2VXM0

How to Earn Part-Time Consulting Income in Retirement

Retirement Crusaders February 13, 2023 6:00 AM

*Our 3 Favorite Dividend Stocks for 2023 (with growth potential too)*
Foreign stocks that pay dividends usually have a tax withheld by the issuing country.  But that tax in most cases can be reported on your US tax return and you are not charged US tax also. These stocks should be held outside of an IRA so you can get credit on your tax return for payment of the tax

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*  
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

=======================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
=======================================================================
*Interactive Brokers*  
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time.  We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds.  Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA
 
👍 Retirement Age--at what age can you retire? How to figure it out
https://youtu.be/uU-6gJL1XfI

No video on our channel Retirement Crusaders is intended to be investment or retirement advice.  These videos are for general educational purposes and not meant to advise you on your individual circumstances.  Please consult a professional.

*Our 3 Favorite Dividend Stocks for 2023 (with growth potential too)*
Foreign stocks that pay dividends usually have a tax withheld by the issuing country. But that tax in most cases can be reported on your US tax return and you are not charged US tax also. These stocks should be held outside of an IRA so you can get credit on your tax return for payment of the tax

*Join our Facebook group and interact with others who share similar concerns and questions about retirement https://www.facebook.com/groups/retirementcrusaders*
*Download our free booklets on 10 different retirement topics https://www.retirementcrusaders.com/retirementbooklets*

=======================================================================
Any products or services mentioned below may provide retirement crusaders compensation. These are the services we like or use and recommend:
=======================================================================
*Interactive Brokers*
We keep our investments at this firm because if we ever need cash, we do not need to sell at the wrong time. We can borrow money from our account at dirt cheap rates. Even now, with interest rates "high," the rate is about 4% to borrow funds. Use this link and get up to $1,000 of Interactive Brokers Stock
https://ibkr.com/referral/larry410

*Quicken*
The easiest way to track your retirement finances as the software automatically download data from your financial institutions
https://quicken.sjv.io/c/3553828/913177/11856

*SeekingAlpha*
If you want to find great investment ideas with analysis from other investors as well as professionals, SeekingAlpha is a must-have subscription. We use this to identify great retirement investments with safe, high dividends.
https://www.sahg6dtr.com/BXCXC4/R74QP/


*Watch These Related Videos:*

👍 Problems with the 4% Rule for Retirement =- How to Make Retirement Savings Last
https://youtu.be/Ltb2GtDIGTA

👍 Best Investments for Retirement Income 2022
https://youtu.be/hTR8WZ5kghQ

👍 Easiest Ways to Generate Side Income in Retirement - Retirement Jobs
https://youtu.be/7J0pdgaYnNA

👍 Fix Your Retirement Finances - Use the Bucket Strategy
https://youtu.be/AVRItboxE7Y

👍 How to Recession Proof Your Investments
https://youtu.be/Qq1m16_Povw

👍 Retirees Spend Less When They Retire -- How to Retire With Less or Retire Early
https://youtu.be/2c-lDFZPtOQ

👍 Retirement Planning at 55 - Steps to take with 10 years to retirement
https://youtu.be/qLiThio8khA

👍 Retirement Age--at what age can you retire? How to figure it out
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