In this episode of the "GenWLTH Podcast," host Judy Robins interviews Dee Meyers, a U.S. Army veteran and financial educator. Dee shares her journey from military intelligence and federal service to empowering others through financial education. The discussion highlights the lack of financial literacy training in the military, common pitfalls with retirement plans like the TSP, and the importance of understanding investment options. Dee emphasizes overcoming fear and shame around money, and introduces educational events to help individuals—especially women—gain financial confidence and security. The episode encourages listeners to take charge of their financial futures.

Dee's Military Career (00:04:01) Dee describes her 22-year Army career, roles in military intelligence, and experience as a drill sergeant.

Transition to Teaching and Retirement (00:05:34) Dee discusses her love for teaching, advice received before retirement, and her first job with the FBI.

Commuting and Work Environment at the Pentagon (00:10:12) Dee shares her long daily commute and the importance of a supportive work environment.

Financial Education in the Military (00:11:04) Dee reveals the lack of financial education during her military and federal service.

Early Financial Experiences and Industry Critique (00:12:30) Dee recounts her first experiences with financial services companies and the lack of real education.

Federal Employees' Retirement Concerns (00:19:51) Dee addresses concerns among federal employees about layoffs and understanding their retirement plans.

Understanding TSP and Fund Options (00:20:30) Dee explains the Thrift Savings Plan (TSP), its funds, and common misunderstandings.

Lifecycle Funds and Investment Choices (00:23:28) Dee details lifecycle funds, their structure, and potential pitfalls.

Upcoming Early Retirement and Fiscal Year Changes (00:26:31) Dee talks about the significance of September 30th for early retirees and government shutdown concerns.

Clients' Fears and the Importance of Education (00:28:50) Dee describes clients' anxieties about market drops and the need for clear financial education.

Closing Remarks and Dee's Specialization (00:36:04) Dee summarizes her focus on safety, guarantees, and peace of mind; Judy wraps up the episode.

Powerful Quotes from the Episode:

Dee Meyers, 'I love to teach. I love to train, and that's what I pursued.'

Dee Meyers, 'Over 90% of my clients who are federal employees or military have said, "I wish I had met you sooner. I wish someone had sat me down and taught me about money the way you've taught me."'

Dee Meyers, 'Fear of the unknown—they don't know what's going to happen and they don't understand.'

• WEBSITE: https://sixthandking.com/
• FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify
• CONNECT WITH JUDY: Facebook, Instagram, LinkedIn
• Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king

Podcast Produced and edited by the team at ResilientVoiceMedia.com

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In this episode of the "GenWLTH Podcast," host Judy Robbins shares her personal journey through financial hardship and introduces the show's mission to empower families with practical financial planning advice. Judy explains the benefits of Indexed Universal Life (IUL) insurance, especially for children and young adults, highlighting its tax-free growth, flexibility, and long-term value. Listeners learn how starting an IUL early can help build wealth, fund major life expenses, and supplement retirement income. Judy encourages listeners to subscribe, review, and connect for more financial tips and resources.

Introduction to Indexed Universal Life (IUL) Insurance (00:02:13)
Guest introduces IUL insurance, emphasizing its benefits for children and young adults.

How to Start and Fund an IUL Policy (00:02:25)
Explanation of starting an IUL for a child, funding amounts, and long-term contribution strategy.

Long-Term Growth and Retirement Benefits (00:03:29)
Discussion of cash accumulation, projected retirement value, and comparison to Roth IRA.

Using IUL for Life Events (00:04:00)
Examples of borrowing from the policy for college, business, or home purchase; becoming your own bank.

Loan Repayment and Policy Advantages (00:04:40)
Details on loan repayment, interest rates, and comparison to high-yield savings accounts.

Indexed Feature and Cash Accumulation Timeline (00:05:55)
Explanation of the indexed feature, zero floor, insurance costs, and cash value growth after ten years.

IUL as a Supplement to Traditional Retirement Accounts (00:07:11)
Advice on using IUL alongside 401(k)s and IRAs, emphasizing tax-free growth.

Powerful Quotes from the Episode:

"I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place."

"That's why I'm on a mission to ensure that no family has to experience what I did."

• WEBSITE: https://sixthandking.com/
• FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify
• CONNECT WITH JUDY: Facebook, Instagram, LinkedIn
• Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king

Podcast Produced and edited by the team at ResilientVoiceMedia.com

Contact us for expert podcast production and support.

In this episode of the "GenWLTH Podcast", host Judy Robbins shares her personal story of financial hardship and highlights the importance of financial planning. She explains the concept of living benefits life insurance, detailing how it differs from traditional policies by providing access to funds during critical, chronic, or terminal illness. Judy illustrates how these benefits can help cover medical and daily expenses, offering peace of mind and security. The episode concludes with a reminder to review insurance policies and a call to subscribe and share, reinforcing the podcast's mission to empower families to protect their financial futures.

Health and Wealth Connection (00:02:18) Discussion on the direct relationship between health and wealth, and the importance of maintaining good health.

Traditional vs. Living Benefits Life Insurance (00:04:34) Explanation of traditional life insurance versus living benefits life insurance, and why Judy only recommends the latter.

Death Benefit and Tax Implications (00:05:49) Details on how traditional life insurance pays out, and the tax-free nature of death benefits.

Critical Illness Rider Explained (00:07:04) Explanation of the critical illness rider, qualifying conditions, and payout scenarios based on severity.

Real-Life Stories & Benefits (00:13:11) Sharing real-life examples of clients benefiting from living benefits, including a terminal diagnosis case.

Importance of Living Benefits for Financial Security (00:14:26) Emphasis on using living benefits to cover bills and expenses during health crises, rather than relying on death-only policies.

Powerful Quotes from the Episode:

Judy, 00:00:00, "I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place."

Judy, 00:03:30, "If we had living benefits life insurance, I think it would have been a completely different outcome."

Judy, 00:15:39, "It also gives me peace of mind that I know, should anything happen, if I'm diagnosed with something, I am now very well covered and I will have access to money in my life insurance policies."

• WEBSITE: https://sixthandking.com/
• FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify
• CONNECT WITH JUDY: Facebook, Instagram, LinkedIn
• Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king

Podcast Produced and edited by the team at ResilientVoiceMedia.com

Contact us for expert podcast production and support.

In this episode of the "GenWLTH Podcast" and "Wealth Tip Wednesday," financial educator Judy Robbins shares her personal journey through financial hardship and explains how it inspired her to help others secure their financial futures. She discusses what to do with retirement accounts when leaving a job and highlights fixed indexed annuities—specifically Zenith Growth—as a safer, growth-oriented alternative to traditional market-based accounts. Judy illustrates the benefits with a real-life success story and encourages listeners to make informed decisions to protect and grow their retirement savings.

What to Do With Old Retirement Accounts (00:02:27) Discusses options for old 401(k)s and IRAs after leaving a job, and introduces fixed indexed annuities.

Market Risk and Historical Downturns (00:03:38) Reflects on market crashes in 2001 and 2008, and the impact on retirement accounts.

Introduction to Rollovers and Fixed Indexed Annuities (00:04:42) Explains rollovers, fixed indexed annuities, and their benefits, including the 0% floor.

Features of Zenith Growth Fixed Indexed Annuity (00:06:01) Details the Zenith Growth annuity, its terms, features, and emergency access options.

Client Success Story: Comparing Returns (00:07:20) Shares a client's experience comparing returns from a fixed indexed annuity versus a traditional IRA.

Benefits and Emotional Impact of Annuities (00:08:30) Discusses the emotional relief and satisfaction clients feel with annuities, and the importance of security.

Powerful Quotes from the Episode:

Judy Robbins, 00:00:03, 'We lost everything—our savings, our security, our sense of financial stability.'

Judy Robbins, 00:00:03, 'I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place.'

Judy Robbins, 00:02:27, 'I help my friends, I help my clients, I help even family that has left a position and they don't know what to do with their old retirement accounts.'

Judy Robbins, 00:09:33, 'I love security, but I still want to have growth if at all possible.

• WEBSITE: https://sixthandking.com/
• FOLLOW THE PODCAST: GenWLTH with Judy Robbins on Apple Podcasts and Spotify
• CONNECT WITH JUDY: Facebook, Instagram, LinkedIn
• Book a Free Consultation with Judy: https://calendly.com/judy-sixth-and-king

Podcast Produced and edited by the team at ResilientVoiceMedia.com

Contact us for expert podcast production and support.

In this episode, financial educator Judy Robbins discusses the importance of life insurance, focusing on living benefits life insurance. She shares personal stories and explains how this innovative coverage allows policyholders to access part of their death benefit during serious illness or injury, providing crucial financial support. Judy highlights the differences between traditional and living benefits life insurance, addresses common misconceptions, and emphasizes the need for proactive financial planning to protect families from unexpected hardships. The episode aims to educate listeners on safeguarding their financial futures through thoughtful insurance choices.

Introduction to Living Benefits Life Insurance (00:00:00) Explains living benefits life insurance, qualifying events, and Judy's personal story of financial loss after her husband's accident.

Podcast Overview and Mission (00:01:01) Judy introduces the podcast's purpose: financial planning, protection strategies, and empowering families to secure their financial future.

How Living Benefits Life Insurance Works (00:02:11) Compares traditional and living benefits life insurance, highlighting the advantages and why it's considered a "new kind."

Importance of Adequate Life Insurance Coverage (00:03:21) Discusses why everyone needs life insurance, how to calculate coverage needs, and the importance of insuring children.

Living Benefits: Qualifying Events and Riders (00:05:49) Details qualifying events for living benefits, the importance of early coverage, and the three main types of riders.

Critical Illness and Critical Injury Rider (00:06:53) Explains the critical illness/injury rider, covered conditions, and how policyholders can access funds during major medical events.

Chronic Illness Rider (00:09:16) Describes the chronic illness rider, qualifying conditions, benefit amounts, and how it supplements income during disability.

Terminal Illness Rider and Real-Life Story (00:10:26) Covers the terminal illness rider, payout details, and shares a story of a policyholder who used benefits for life-saving treatment.

Personal Reflection and Call to Action (00:12:59) Judy reflects on her own experience, emphasizes the importance of living benefits, and encourages listeners to reach out for more information.

Closing Remarks and Legacy Message (00:14:05) Wraps up the episode, encourages subscriptions, and reminds listeners that wealth is about legacy, not just money.

"I know firsthand how life can change in an instant. Several years ago, my world was turned upside down when my husband had a life-altering accident. In the blink of an eye, we lost everything—our savings, our security, our sense of financial stability."

"I was left to pick up the pieces, and through that journey, I realized how critical it is to have a financial plan in place. That's why I'm on a mission to ensure that no family has to experience what I did."

"I wish I had had the living benefits life insurance when John had his accident in 2014. It would have made a huge difference in our life."

"He was able to go back to work eventually, and he was able to walk again. But we lost everything in that time period that he wasn't working. We just didn't have enough to pay all the bills."

RESOURCES:

WEBSITE: https://sixthandking.com/

CONNECT WITH JUDY: Facebook, Instagram, LinkedIn

Podcast Produced and edited by the team at ResilientVoiceMedia.com

Contact us for expert podcast production and support.