『Escape The Clock: How to Become Financially Free and Have the Option Not to Work』のカバーアート

Escape The Clock: How to Become Financially Free and Have the Option Not to Work

Escape The Clock: How to Become Financially Free and Have the Option Not to Work

著者： Daniel C. Rodgers
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Join me, Daniel C. Rodgers, WMCP® and author of the award-winning book Escape The Clock, as I break down the tactics you need to take control of your finances and achieve financial independence.

These 40-minute episodes deliver bite-size, easy-to-understand strategies to get the most out of your money, giving you the option not to work, on your terms.

For the book, the planner, and more free resources, visit www.escapetheclock.com.

2024-2026 Daniel C. Rodgers - Escape The Clock - All Rights Reserved 個人ファイナンス 経済学
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  • The 59½ Exception: How to Access Your Retirement Money Early Without the Penalty with Rob Townend, CPA and Founder of Early Retirement Access

    The 59½ Exception: How to Access Your Retirement Money Early Without the Penalty with Rob Townend, CPA and Founder of Early Retirement Access
    2026/10/06

    How to access your 401(k) or IRA before age 59½ without the 10% early withdrawal penalty. CPA Rob Townend explains 72(t) SEPP plans, the Rule of 55, and the mistakes that trigger IRS penalties.

    What happens when you finally have the money to walk away, and the tax code tells you that you are too young to touch it?

    Daniel speaks with Rob Townend who spent 25 years as a CPA before deciding in his early 50s that he was done with corporate life. He found nearly everything he had saved locked inside old 401(k)s and IRAs, and no one willing to help him reach it for a flat fee. So he read the code himself. Today he is the founder of Early Retirement Access. In this episode, Rob walks through the 21 exceptions buried in Section 72(t), why he tells most callers to try the Rule of 55 first, how a substantially equal periodic payment plan actually gets calculated, and what it costs when someone breaks one by accident.

    CHAPTERS:

    00:00:00 — Why 59½ locks up your savings

    00:04:51 — Twenty-five years as a CPA

    00:08:22 — Where Section 72(t) came from

    00:11:56 — The Rule of 55 and its two hoops

    00:15:48 — A tax strategy, not just income

    00:18:34 — How the payment gets calculated

    00:21:49 — What breaking a SEPP costs you

    00:24:58 — When paying the 10% is smarter

    00:27:25 — The expense ratio gotcha

    00:30:41 — Where to find Rob Townend

    00:32:04 — Daniel's takeaways

    EPISODE REFERENCES:

    ℹ️ 12% of workers plan to retire before 60, while 13% of retirees left before 55 and 17% between 55 and 59 — EBRI/Greenwald Research, 2026 Retirement Confidence Survey 2026 https://www.ebri.org/docs/default-source/rcs/2026-rcs/rcs_26-fs-2.pdf

    ℹ️ Americans held $18.2 trillion in IRAs and $13.8 trillion in workplace plans, 34% of all household financial assets — Investment Company Institute, Quarterly Retirement Market Data Q1 2026 https://www.ici.org/statistical-report/ret_26_q1

    ℹ️ About 59% of U.S. adults have money invested in a retirement savings plan — Gallup 2026 https://news.gallup.com/poll/691202/percentage-americans-retirement-savings-account.aspx

    ℹ️ Median retirement account balance among families who have one is $86,900 — Federal Reserve Board, Survey of Consumer Finances 2023 https://www.federalreserve.gov/publications/october-2023-changes-in-us-family-finances-from-2019-to-2022.htm

    CONNECT WITH ROB:

    🌐 Website — https://www.earlyretirementaccess.com

    💼 LinkedIn — https://www.linkedin.com/in/robert-townend-817a2a37

    📘 Learn About 72(t) SEPPs — https://www.earlyretirementaccess.com/learn-more

    ESCAPE THE CLOCK RESOURCES

    📖 The Book — https://escapetheclock.com/book

    🎙️ The Podcast — https://escapetheclock.com/podcast

    ⬇️ Free Planner — https://escapetheclock.com/toolkit

    🤝 Free 1:1 Help — https://escapetheclock.com/schedule

    ✉️ Free Monthly Insights — https://escapetheclock.com/subscribe

    SUPPORT THE PODCAST:

    ▶️ Watch more full episodes — https://www.youtube.com/playlist?list=PLLO34lLUX2G8hVBErMy34e7RsYfUJBeiL

    🔔 Subscribe on YouTube — https://www.youtube.com/@EscapeTheClockMedia?sub_confirmation=1

    📣 Share this episode with someone who needs it

    📕 Grab my award-winning debut fiction Killswitch — https://escapetheclock.com/books/killswitch

    This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

    #escapetheclockpodcast #escapetheclock #financialfreedom #financialindependence #earlyretirement #workoptional #financialliteracy #72t #sepp #401k #ruleof55 #retirementplanning
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    43 分
  • What the Money Pros Are Saying, Live From FinCon 2026

    What the Money Pros Are Saying, Live From FinCon 2026
    2026/09/29

    Live from FinCon 2026 in Palm Springs: personal finance creators, coaches, and advisors share money tips on financial independence, early retirement, FIRE, investing, debt, and financial literacy.

    If you only got one money tip from a pro, what should it be?

    Five money pros. One tip each. Recorded live at FinCon 2026 in Palm Springs, Daniel asks Anthony Weaver, Kelsa Dickey, Shari Rash, Nik Johnson, and Whitney Hansen for the money tip on their mind right now. Then retired personal finance teacher Kathy Cuevas turns the mic around: why would anyone walk away from a tech career to teach money?

    CHAPTERS:

    • 00:00:00 — Live from FinCon 2026
    • 00:02:20 — The conversation that made the trip
    • 00:04:22 — Anthony Weaver: Personal finance is personal
    • 00:07:10 — Kelsa Dickey: Your future deserves savings
    • 00:09:01 — Shari Rash: Rethinking savings-by-age rules
    • 00:11:03 — Nik Johnson: You're one concept away
    • 00:12:51 — Whitney Hansen: Back to the basics
    • 00:14:43 — Kathy Cuevas asks: Why leave tech?
    • 00:19:26 — Teaching money in a Title I school
    • 00:24:02 — What people get wrong about money
    • 00:33:30 — Why time beats money
    • 00:36:21 — The work trips I never got to take

    EPISODE REFERENCES & RESOURCES:

    ℹ️ Credit card debt — NY Fed 2026 — https://www.newyorkfed.org/newsevents/news/research/2026/20260811

    ℹ️ Personal finance mandates — NGPF 2026 — https://www.ngpf.org/live-us-dashboard/

    CONNECT WITH THE GUESTS:

    🎙️ Anthony Weaver, About That Wallet — https://www.aboutthatwallet.com/podcast

    🎙️ Kelsa Dickey, Money Made Human — https://spendfirst.com/podcast

    🎙️ Shari Rash, She's Talkin' Money — https://www.shestalkinmoneypodcast.com/

    🎙️ Nik Johnson, Everyday Money Heroes — https://everydaymoneyheroes.com/

    🎙️ Whitney Hansen, The Money Nerds — https://www.themoneynerds.com/

    🎙️ Kathy Cuevas, Financial Freedom Pathway — https://www.financialfreedompathway.us/

    🌐 FinCon — https://finconexpo.com/

    ESCAPE THE CLOCK RESOURCES

    📖 The Book — https://escapetheclock.com/book

    🎙️ The Podcast — https://escapetheclock.com/podcast

    ⬇️ Free Planner — https://escapetheclock.com/toolkit

    🤝 Free 1:1 Help — https://escapetheclock.com/schedule

    ✉️ Free Monthly Insights — https://escapetheclock.com/subscribe

    SUPPORT THE PODCAST:

    ▶️ Watch more full episodes — https://www.youtube.com/playlist?list=PLLO34lLUX2G8hVBErMy34e7RsYfUJBeiL

    🔔 Subscribe on YouTube — https://www.youtube.com/@EscapeTheClockMedia?sub_confirmation=1

    📣 Share this episode with someone who needs it

    📕 Grab my award-winning debut fiction Killswitch — https://escapetheclock.com/books/killswitch

    This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

    #escapetheclockpodcast #escapetheclock #financialfreedom #financialindependence #earlyretirement #workoptional #financialliteracy #fincon2026 #fire #personalfinance #moneypodcast
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    42 分
  • The Gold Rules: What Every Investor Should Know Before Buying Gold with Greyson Geiler, Fund Manager of the GoldRush Yield Fund

    The Gold Rules: What Every Investor Should Know Before Buying Gold with Greyson Geiler, Fund Manager of the GoldRush Yield Fund
    2026/09/22

    What if the safest-sounding asset in the world is the one nobody ever taught you how to own?

    Greyson Geiler began his career on the trading floors of the Chicago Mercantile Exchange and has spent more than two decades as an investment advisor. Today he is an Investment Advisor Representative with Andorra Capital and Lead Portfolio Manager of the GoldRush Yield Fund.

    In this episode, Greyson explains what gold actually does inside a portfolio, why he is not worried about another 1933-style confiscation, how the IRS taxes gold as a collectible, and why a gold fund manager tells people to build a plan and an emergency fund before buying a single ounce.

    Chapters:

    • 00:00 - Gold Took 45 Years to Break Even
    • 01:38 - A Dollar Saved in 2000 Buys 51 Cents
    • 04:33 - From the CME Pits to a Closet of Gold
    • 06:16 - Why Central Banks Keep Buying Gold
    • 08:33 - Could the Government Take Your Gold
    • 10:35 - Bitcoin, Gold and a Weaponized Dollar
    • 13:49 - Gold That Pays Interest in Gold
    • 16:40 - Physical Gold Versus a Gold ETF
    • 20:06 - Gold Is Taxed Like a Collectible
    • 22:31 - How Bullion, ETFs and Miners Are Taxed
    • 24:16 - How Much Gold to Own and When to Buy
    • 28:03 - Guaranteed Income Comes Before Gold
    • 30:47 - A Gold Fund Manager Puts Gold Fourth
    • 34:30 - No Dividend, No Coupon, No Rent
    • 36:33 - Where You Hold Gold Decides the Tax
    • 39:16 - Everything Else Depends on a Promise

    Escape The Clock Resources:

    📖 The Book — https://escapetheclock.com/book

    ⬇️ The Planner — https://escapetheclock.com/toolkit

    🎙️ The Podcast — https://escapetheclock.com/podcast

    🤝 1:1 Help — https://escapetheclock.com/schedule

    ✉️ Free Monthly Insights — https://escapetheclock.com/subscribe

    Episode References & Resources:

    ℹ️ Purchasing power - BLS (2026) https://www.bls.gov/data/inflation_calculator.htm

    ℹ️ Real earnings - BLS (2026) https://www.bls.gov/news.release/realer.nr0.htm

    ℹ️ Credit card rates - Federal Reserve (2026) https://www.federalreserve.gov/releases/g19/current/

    ℹ️ Central bank survey - World Gold Council (2026) https://www.gold.org/goldhub/research/central-bank-gold-reserves-survey-2026

    ℹ️ Central bank buying - World Gold Council (2026) https://www.gold.org/goldhub/research/gold-demand-trends/gold-demand-trends-full-year-2025/central-banks

    ℹ️ Gold price history - JM Bullion (2026) https://www.jmbullion.com/investing-guide/facts/history-of-gold-prices/

    ℹ️ Silver prices - Forbes (2026) https://www.forbes.com/advisor/investing/silver-price/

    ℹ️ Collectibles tax - IRS (2026) https://www.irs.gov/taxtopics/tc409

    ℹ️ Emergency savings - Bankrate (2026) https://www.bankrate.com/banking/savings/emergency-savings-report/

    Connect with Greyson:

    🌐 Website — https://andorracapital.com

    💼 LinkedIn — https://www.linkedin.com/in/greyson-geiler-8621a81a/

    Support the podcast:

    ⭐ Leave a rating & review

    📣 Share this episode with others

    ✉️ Join the newsletter at https://escapetheclock.com/subscribe

    📒 Grab my debut fiction book Killswitch at https://escapetheclock.com/books/killswitch

    This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

    #EscapeTheClock #EscapeTheClockPodcast #DanielCRodgers #GoldInvesting #PreciousMetals #FinancialIndependence #TaxPlanning #PortfolioDiversification
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    40 分
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