Retirement Made Simple is a retirement podcast for frugal savers who've done the hard work — and now want permission to actually enjoy it. Host Kevin Lum, CFP®, cuts through the noise of the financial world to give you straight answers on the stuff that actually matters: when you can really retire, how to draw down your portfolio without running out (or leaving too much on the table), Social Security timing, Roth conversions, IRMAA, tax-smart withdrawals, and the dozens of decisions no one prepared you for. No jargon. No fear-mongering. No products to sell you.
Retirement Made Simple
Claim This Podcastby Kevin Lum, CFP®
5.0(26 reviews)
40 episodes
Updated Weekly
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Podcast Overview
Retirement Made Simple is a retirement podcast for frugal savers who've done the hard work — and now want permission to actually enjoy it. Host Kevin Lum, CFP®, cuts through the noise of the financial world to give you straight answers on the stuff that actually matters: when you can really retire, how to draw down your portfolio without running out (or leaving too much on the table), Social Security timing, Roth conversions, IRMAA, tax-smart withdrawals, and the dozens of decisions no one prepared you for. No jargon. No fear-mongering. No products to sell you.
Language
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Publishing Since
2/24/2022
1 verified contact email on file for Retirement Made Simple
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Recent Episodes
July 17, 2026
New SCAM That's Draining Bank Accounts
<p>Check out Deleteme: https://www.de33watrk.com/W6H9H4/KMKS9/ (Affiliate Link)Check out Optery: https://get.optery.com/a8qdsz8tzzbz (Affiliate Link)We almost lost $50,000 — and the scariest part was how much they already knew about us.Our phone, our email, our home address, our bank. All of it. And it nearly worked.After that experience, I went deep on researching how scammers are getting so sophisticated, and what I found was unsettling.So in this video, I'm breaking down exactly what happened to us, how scammers are getting your personal data, and four concrete steps you can take right now to protect yourself:1. Freeze your credit at all three bureaus — it's free, it's easy, and it shuts down one of the most damaging things a scammer can do with your information.2. Clean up your data trail — there are services built specifically to find where your personal information is listed and file removal requests on your behalf.3. Lock down your Social Security account — and grab an IRS Identity Protection PIN while you're at it.4. Build one habit that beats them all — this is the step that actually stopped the scam in our case, and it costs nothing.If you're nearing retirement or already in it, this episode is for you.</p>
July 15, 2026
The New Math on Bonds — Nobody Expected This
<p>In this episode, I cut through the conflicting headlines about bonds and walk through what's actually changed for retirement portfolios heading into 2026. I start with the 40-year tailwind that ran from 1982 to 2021 — when interest rates fell from 16% under Paul Volcker all the way to near zero — and explains why 2022 became the worst year for U.S. bonds in modern history, with the traditional 60/40 portfolio falling roughly 17.5% (its worst result since 1937). I then walk through why 2026 looks fundamentally different: the 10-year Treasury hovering around the low 4% range, Charles Schwab projecting continued short-rate cuts with sticky long-term yields, and Fidelity pointing to the return of the "term premium."Links:https://www.schwab.com/learn/story/fixed-income-outlookhttps://www.fidelity.com/learning-center/trading-investing/bond-market-outlookhttps://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value=2026https://www.morningstar.com/markets/experts-forecast-stock-bond-returns-2026-editionhttps://robberger.com/portfolios/the-60-40-portfolio/</p>
July 3, 2026
7 Things That Go Quiet After You Retire (Nobody Prepares You For This)
<p>Most retirement conversations stop at the number. This one goes further.</p><p>When a client told me that everything went quiet after he retired, he wasn't complaining. But he wasn't exactly relieved either. It was just... different. And that difference catches a lot of people off guard.</p><p>In this episode, I walk through 7 things that tend to go quiet once the paycheck stops. Some of them you'd expect. A couple of them genuinely surprised me when I dug into the research, and they have everything to do with how your brain and body have been wired for decades.</p><p>Here's what we cover:1. Your automatic identity2. Your external structure and daily rhythm3. Your stress response (and what cortisol has to do with it)4. Your dopamine loop5. Your daily sense of importance6. Your casual community and weak ties7. Your internal permission to actually spend and enjoy what you built</p><p>Two of these involve real neurological and hormonal shifts that most financial conversations never touch.</p><p>The goal isn't to recreate your career. It's to intentionally design what comes next, with a new identity, a new rhythm, and a clear sense of what the money was actually for.</p>
40 total episodes available
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