The example in this episode moves the portfolio about $115,000 for one more year of work, which comes out to roughly $380 a month for life. Dan shows where each input comes from so you can run the same math on your own situation. All numbers are 2026.

• Why another year of work raises your Social Security check by only about $10 or $20 a month once you have 35 years of earnings, and the situation where it's worth several times that
• The 17-year low-income window that opens the day your paycheck stops, and why working until 62 deletes four years of it
• The 30-hour line that keeps employer health coverage in place, so you can drop the hours without giving up the benefit

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=Db-D35f2EkU

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Every one of these seven taxes goes to zero, and every one runs on a window that opens on an age or a condition and closes on another. Dan walks through all seven with 2026 numbers, including two that aren't technically taxes, which he says on camera. The order the tax code stacks your income drives most of what follows.

• Why a Roth conversion you think costs 12 cents on the dollar can really cost about 27, and the ordinary move in the same year that causes it
• The 2026 income line where long-term capital gains are taxed at zero, and why the wash-sale rule lets you buy the identical fund back that same afternoon
• The health insurance cliff that came back for 2026, where one dollar of income takes the whole subsidy to zero

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=YL3XDeQYsP8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Most benchmark numbers stop at net worth, which hides the part that matters. The typical household aged 55 to 64 holds about $364,000 in net worth but only about $64,000 in financial assets. This episode walks the Federal Reserve's own survey figures for 55, 60, and 65, then splits the number into the part that can pay you and the part that cannot.

• Why the average is over $1.4 million when about 8 out of 10 households that age sit below it
• Where the top 25% and top 10% lines fall, and why the climb flattens out in the early 60s
• Why single and married households are two different benchmarks

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=Im6D97dMuqg

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Living off dividends sounds simple until you work out the savings it takes to pull off. This episode runs both numbers at today's yields, the bigger one for the years before Social Security starts and the smaller one after, then looks at what dividend investing has actually delivered. That includes what the major dividend funds returned over the last ten years, what the 8% and 12% funds are doing under the hood, and the tax break that comes with a catch.

• Why a couple can need $400,000 less than a single person with identical bills
• What every major dividend ETF returned over the last decade against a plain index fund
• How to test any high-yield fund in two minutes, and what one filing showed about where 36% of a fund's payout came from

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=xP2OM0SDFU8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Your 401(k) balance isn't income. Pulling money out of it means selling an asset, and that hurts most when the market is down. This episode sorts through what actually pays your bills after the paycheck stops, from Social Security and dividends to bonds, rentals, and private notes, then asks you to count how many real streams you have right now.

• Why a withdrawal from a 401(k) or IRA is a sale, not income, and when that timing hurts
• How a married couple can collect around $99,000 in dividends and long-term gains at 0% federal tax in 2026
• The eight streams sorted by whether they pay you without selling or working, and which one to build next

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=Y1GV_LiyK80

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Medicare sets your premium from the tax return you filed two years earlier, so the taxable profit on a home sale can follow you into your first year of coverage. That makes 63 the year that decides your premium at 65, while a sale at 62 lands on a year Medicare never charges you for. This episode covers who actually gets caught, what the surcharge costs in 2026, and what to do before you sell.

• The $250,000 and $500,000 home sale exclusion, and why a cap frozen since 1997 now catches ordinary long-time owners
• What the surcharge costs at each 2026 tier, and the two-year window that protects a surviving spouse
• Why the SSA-44 appeal will not work for a home sale

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=uDBP5XD6Po8

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Most of the money taken from Americans over 60 is taken by someone they already know. That changes what money boundaries with your own family are actually for. This episode walks through six specific things worth keeping to yourself after 60, the mechanism behind why each one backfires, and what to do instead in every case. The point is keeping your retirement under your own control so you can help your kids from a position of strength.

• Why adding your child's name to your bank account exposes that money to their creditors and their divorce, and how it can cut your other kids out
• What long-term care actually runs per year, and how a few years of it can erase an inheritance you already promised out loud
• The line between telling your kids a plan exists and showing them what's in it, and why announcing the split early invites the exact fight you're trying to prevent

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=URH6jRBXhFg

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

The idea that retirement starts a clock is one of the most repeated fears people carry into it. The studies built to test that idea find no spike in death risk on the day you retire, and the first year looks closer to a honeymoon. What the research does point to is a slower danger, and it shows up for people who leave a job for an empty calendar.

• Where the famous "retire at 65, dead by 66" statistic actually comes from, and why the scary version sticks in your head anyway
• The habits that keep you out of that group, including volunteering, phasing out of work, and having a retire-to plan
• The first-year trap, and why the risk builds after the honeymoon ends

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=VRlZgX0OKQA

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.