Financially Fluent

About Financially Fluent

You’ve done everything right - but how confident are you that retirement won’t expose a blind spot you didn’t see coming? If you’re an executive planning to retire in the next 3 years, this episode is for you. I want you walking into retirement with clarity, confidence, and no fear that you’ve missed a move you should have made. Listen to gain: • Clarity on which retirement decisions actually matter in the final 36 months—and which ones don’t • Insight into the costly moves executives commonly miss right before retirement (and how to avoid them) • A framework to retire with confidence, not second-guessing, even in uncertain markets I created this podcast because retirement confidence isn’t about guessing the market; it’s about sequencing decisions correctly, managing taxes intentionally, and eliminating uncertainty before your last paycheck ends. New episodes are released twice per week every Tuesday (and Friday), cutting through the noise and myth-busting the financial untruths that surround retirement planning. Follow and listen each week for clear, practical insights that help you make smarter retirement decisions...before timing and taxes make them for you.

Publisher

Ray Godleski

Category

business · education

Language

en

Explicit

No

First episode

27 Feb 2025

Latest episode

29 Sept 2026

Latest episodes

15 of 74 episodes have a transcript.

1. 

   29 Sept 2026TRANSCRIPT

   Ep74 | The Retirement Checklist: What Needs to Be Coordinated Before You Retire

   Host Ray Godleski provides a practical retirement checklist, detailing how to coordinate income, taxes, investments, and estate planning for a cohesive retirement plan.

2. 

   15 Sept 2026TRANSCRIPT

   Ep73 | Life Insurance Awareness

   Host Ray Godleski interviews Jack Scala about essential life insurance strategies for retirees and young professionals, clarifying coverage needs and policy types.

3. 

   1 Sept 2026TRANSCRIPT

   Ep72 | After the First Death: Social Security, Taxes, and Survivor Income

   Ray Godleski explains how couples can prepare for significant financial changes, including Social Security and tax implications, after the first spouse dies.

Inside a recent episode

Ep74 | The Retirement Checklist: What Needs to Be Coordinated Before You Retire

Published 29 Sept 2026 · Transcript excerpt

[…] Are there legacy goals? What would change if one spouse died? Money is a tool, right? The retirement lifestyle is the goal. Now, you kind of need to separate your essential needs and your basic needs from the enjoyment, the discretionary spending. It's an important piece of the planning process. You want to identify those one-time larger expenses. And then you really just need to clarify the legacy and the gifting goals. Determine how much spending is fixed and how much should be adjusted during those difficult markets. So the rest of the retirement plan has to support the lifestyle number. Now, let's talk about building that kind of retirement paycheck. […]

Reach and audience

Public platform figures. Ratings count people who left a rating, not total listeners.

YouTube views

4,041

Score snapshot 15 Sept 2025

Apple Podcasts (US)

5.0 / 5

22 ratings

Spotify

5.0 / 5

3 ratings

Podcast Authority Score: 53 / 100

A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.

Quality

66

Social presence

0

YouTube

65

Engagement

32

Contact Financially Fluent

Guest appearances

Does not typically book guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.

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