Annuities can feel confusing or intimidating, especially with all the mixed opinions surrounding them. Dr. April Murdaugh breaks the topic down in a simple, easy-to-follow way, using real-life examples to explain what annuities are and why they get such strong reactions. This episode is educational—not a sales pitch—and focuses on helping you understand the basics without the noise.

Dr. Murdaugh explains annuities as a type of personal pension and clearly walks through how they work, the differences between common options like fixed, indexed, and variable annuities, and when they may or may not make sense. By the end of the episode, you’ll have more clarity on whether you might be a candidate for an annuity and which type could be right for you—all within the context of a bigger, well-balanced financial plan.

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Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook

Join the Facebook Group: Prosperous Women Collective

Starting over after divorce, widowhood, or a major life transition can feel overwhelming—but it is not the end of your story. Dr. April Murdaugh offers guidance for women who are rebuilding emotionally and financially, reminding listeners that starting over is a pivot, not a failure, and that clarity creates confidence.

This episode walks through practical steps to help women regain stability and direction, including gathering key financial documents, understanding cash flow and credit, creating an emergency fund, and setting boundaries in this new season of life. Dr. Murdaugh also shares encouragement for navigating grief, identity shifts, and fear while creating a financial plan rooted in peace, wisdom, and long-term security.

Key Takeaways:

• Why starting over is a new season, not a personal failure

• Financial steps to regain control and rebuild with confidence

Create your profile on SSA.gov for social security statements

Know where your Insurance information is for medical, car, life, etc.

Hard copy of your Death, Birth, Marriage cert.

Hard copy of your Will, POA, Divorce Decree, Estate Plan

Use LastPass for password for you and loved ones in your absence

Get your free credit report at annualcreditreport.com

• How boundaries and planning protect your future and peace

Call to Schedule your consultation: 904-753-5250

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook

Join the Facebook Group: Prosperous Women Collective

Many high-earning women find themselves financially successful yet stuck in unhealthy breadwinner marriage dynamics. Dr. April Murdaugh explains how a “cheaper to keep him” situation develops, why money alone doesn’t equal power, and how financial dependence and manipulation can exist even when the woman earns more.

This conversation focuses on financial independence for women, offering clear solutions whether you want to stay in your relationship and rebuild financial transparency or prepare to leave with clarity and confidence. The goal is choice, peace, and control—without fear driving the decision.

Key Takeaways:

• Signs of a “cheaper to keep him” dynamic in breadwinner marriages

• Options for staying, rebuilding trust, or planning an exit

• Why protecting your peace is part of financial confidence

Connect with Dr. April Murdaugh: @W2WFinancial on Facebook

Join the Facebook Group: Prosperous Women Collective