Many people ask whether retiring early will help them live longer. The real conversation is much bigger than that.

Statistics and social media posts often push simple conclusions, but retirement decisions are rarely simple. Health, caregiving responsibilities, longevity, and financial readiness all play a role.

In this episode, I explore a study about retirement timing and longevity and explain why statistics alone should never guide your retirement decisions. I walk through how planning, financial preparedness, and understanding what you are retiring to matter far more than the age you stop working. The conversation also highlights why women in particular must plan for longer retirements and how reducing financial stress can influence both physical and emotional well-being.

Key Points:

• Why statistics about retirement and longevity can be misleading
• The difference between retiring early and being prepared for retirement
• How health and caregiving responsibilities influence retirement timing
• Why women must plan for longer retirements and financial longevity
• The importance of knowing what you are retiring to, not just when you retire
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• Article: Is Delayed Retirement Bad for Your Health?
• Ultimate Guide to Women’s Social Security Success

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

Many women enter retirement assuming life insurance is no longer necessary, only to discover that the real issue is not coverage, but access to cash when it matters most.

In this episode, I walk through how the purpose of life insurance changes as you approach and enter retirement. I explain why the real question is not whether you should keep a policy, but what risks still exist in your plan. I share practical examples involving pensions, Social Security, mortgages, estate taxes, and the desire not to burden your children. I also outline how to evaluate existing policies and determine whether term or permanent coverage fits your situation.

Key points:

• How life insurance shifts from income replacement during working years to liquidity planning in retirement
• Why retirement accounts and investment assets may create tax or timing challenges at death
• The risks of losing pension or Social Security income for a surviving spouse
• Why adding a child as a joint owner on accounts is rarely the right solution
• How to determine the right type and amount of coverage based on risk, not product
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• #11 – Unlocking the Secrets of Long-Term Care with Dina Mabry
• #93 – Life Settlements Explained: Turning Life Insurance into Opportunity
• What Issues Should I Consider When Reviewing My Existing Life Insurance Policy?
• 2026 Tax and Retirement Planning Cheat Sheet

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

Choosing a financial advisor is one of the most important decisions you’ll make as you approach retirement, especially if you’re navigating it on your own.

Yet many women don’t realize how much clarity and confidence can come from simply asking the right questions before committing to a long-term relationship.

In this episode, I walk through seven essential questions every woman should consider before hiring or changing a financial advisor. We discuss why so many women change advisors after losing a spouse, how to evaluate an advisor’s process, and what to listen for when recommendations are presented. I also explain why retirement income planning, Social Security strategy, and tax coordination require a different level of focus than simply saving for retirement, and how to think about value beyond just the advisory fee.

• Why the commonly cited statistic about women changing advisors highlights the need for better conversations
• The importance of understanding an advisor’s process before agreeing to work together
• How to evaluate whether recommendations truly align with your goals, values, and concerns
• Why retirement income planning, Social Security, and tax strategy require specialized focus
• How to assess value beyond fees, including adaptability, communication, and long-term partnership
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

Many retirees unknowingly walk away from life insurance policies without realizing they may still hold value. For women navigating retirement, widowhood, or major life changes, understanding every available option can make a meaningful difference.

In this episode, I talk with Lisa Rehburg, President of Rehburg Life Insurance Settlements, about how life insurance settlements work and why they are often misunderstood or overlooked. We explore when this strategy may be appropriate, how it fits into retirement planning, and why timing and education matter. Lisa also explains the legal foundation, tax considerations, and the role advisors play in helping clients make informed decisions.

This conversation is about awareness, asking better questions, and making thoughtful choices before letting a policy lapse or be surrendered.

Key takeaways:

• Why many seniors let life insurance policies lapse and what may be missed
• How life insurance settlements work and when they may apply
• Legal foundations behind selling a life insurance policy
• Tax considerations and the importance of coordinating with professionals
• How this option may help fund retirement or long-term care needs
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• The Simply Retirement Community Facebook Group
• 2026 Tax and Retirement Planning Cheat Sheet
• Life Insurance Settlement Association (LISA)

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

Connect with Lisa Rehburg:

• LinkedIn: Lisa Rehburg
• Website: Rehburg Life Insurance Settlements
• Facebook: Rehburg Life Insurance Settlements

About our Guest:

Lisa Rehburg is President of Rehburg Life Insurance Settlements, a life insurance settlements broker. Ms. Rehburg is passionate about assisting financial, insurance, legal, and non-profit professionals to help their clients benefit from their unwanted or unneeded life insurance policies. Lisa has been in the health and life insurance industries for over 30 years. She has presented to hundreds of organizations, including various Financial Planning Associations, Fiduciary Associations, Estate Planning Councils, Planned Giving Roundtables, NAPFA, NAIFA, and Health Underwriters Associations, to raise the visibility of life insurance settlements as an option for clients, when appropriate. She has held executive roles at carriers, general agencies, and TPAs. She holds a Bachelor of Arts degree in Finance and a Master of Arts degree in Organizational Development.

RMDs are one of those retirement rules that feel simple on the surface, until the tax consequences show up years later.

In this episode, I walk through what required minimum distributions are, when they start, and why missing or mismanaging them can quietly raise taxes, Medicare costs, and long-term financial stress. I explain how planning early creates flexibility, especially for women navigating retirement transitions, widowhood, or income changes. We also cover practical strategies that can help reduce the tax impact without turning retirement upside down.

Key takeaways:

• How required minimum distributions work and when they begin under current law
• The penalties and long-term damage caused by missed or unplanned RMDs
• How RMDs can increase taxes on Social Security and Medicare premiums
• Using qualified charitable distributions to reduce taxable income
• Timing strategies like Roth conversions and filling lower tax brackets
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• www.thesimplyretirementpodcast.com/RMD
• #52 – I Have Inherited an IRA—Now What? 5 Steps to Avoid Costly Mistakes
• #73 – Roth IRAs and Retirement: What You Need to Know
• #91 – 2026 Retirement Contributions Explained: How to Prioritize Accounts & Help Reduce Lifetime Taxes

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

This information is for educational purposes only and does not constitute tax advice. Converting to a Roth IRA is a taxable event and may increase your current-year tax liability. Roth conversions cannot be undone. Individuals should consult a qualified tax professional regarding their specific circumstances.

Most people know they should be saving for retirement, but fewer understand how contribution rules, taxes, and prioritization actually work together.

Small decisions, like where you save first or how you respond to changing tax brackets, can shape long-term outcomes far more than people realize.

In this episode, I walk through the 2026 retirement contribution limits and explain how to prioritize different retirement accounts when you cannot fund everything at once. I break down common misconceptions around employer matches, Roth versus pre-tax contributions, and the belief that taxes are always lower in retirement. We also explain how spousal IRA rules can keep savings moving even during caregiving or time away from work.

Key points:

• How to prioritize retirement contributions when you have limited cash flow
• Why an employer match matters, but does not tell the whole story
• How tax brackets influence Roth versus traditional decisions
• Why retirement planning should focus on progress, not perfection
• How spousal IRA rules apply during caregiving or career pauses
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• 2026 Tax and Retirement Planning Cheat Sheet

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

This information is for general educational purposes only and is not legal, tax, or individualized financial advice. Roth IRA contribution and withdrawal rules, eligibility, limits, and tax treatment are subject to IRS requirements and may change. Qualified withdrawals depend on meeting specific conditions, and non-qualified withdrawals may result in taxes or penalties. Consult a qualified tax or financial professional before making contribution or withdrawal decisions

Divorce later in life is not just a legal event; it is an emotional and financial turning point that reshapes identity, confidence, and long-term planning.

In this episode, I sit down with Mardi Winder, a strategic divorce consultant and founder of Positive Communication Systems, to discuss what really happens before, during, and after a gray divorce.

We explore why so many women feel stuck in fear, how financial uncertainty can drive costly decisions, and why clarity must come before action. I also share how retirement planning and divorce strategy need to work together so women can move forward with confidence, not confusion.

Key Takeaways:

• Why high-conflict divorces often create a loss of identity after the process ends
• How fear around money keeps women stuck or leads to poor settlement decisions
• Where strategic divorce coaching fits alongside legal and financial professionals
• Why financial clarity should come before hiring attorneys
• How early guidance can prevent costly mistakes in the first months of divorce
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• Tax and Retirement Planning Cheat Sheet (updated for 2026)

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube

Connect with Mardi Winder:

• LinkedIn: Mardi Winder
• Website: Positive Communication Systems
• Podcast: The D Shift: Redefining Divorce and Beyond
• Instagram: @divorcecoach4women
• Facebook: Divorce Coach 4 Women
• Facebook personal: Mardi Winder
• YouTube: @divorcecoach4women

About our Guest:

Mardi Winder is a Strategic Divorce Consultant and trusted authority for high-achieving individuals navigating separation and divorce. She is known for helping clients reduce the emotional and financial costs of the process by strengthening decision-making, communication, and conflict management during high-stakes transitions. With more than 30 years of experience, Mardi brings deep expertise in high-conflict, complex, and high-asset divorces. Her background spans mediation, executive and leadership coaching, conflict resolution and mediation, emotional intelligence, and strategic communication, allowing her to support clients in maintaining clarity, confidence, and control throughout divorce and beyond.

Social Security decisions can feel overwhelming, especially when trying to understand spousal and survivor benefits.

What benefits are you entitled to based on your spouse’s record? When should you claim them?

In this Q&A episode, I address two common Social Security questions that women face. I walk through the step-by-step process for determining spousal benefits for married couples and explore the strategic decisions widows face when choosing between their own retirement benefit and survivor benefits. I also share practical guidance for a recent widow navigating cash flow challenges, work decisions, and benefit timing in the early months after loss.

Key points:

• The six-step process to determine spousal benefit eligibility and calculate the maximum benefit amount
• How survivor benefits differ from spousal benefits and why this distinction matters for your strategy
• Why starting one benefit early while delaying another can maximize lifetime Social Security income
• Cash flow considerations when facing the decision to return to work while receiving benefits
• The importance of sequencing decisions rather than rushing to solve everything at once
• And more!

Resources:

• Get Your FREE Simply Retirement Roadmap
• #47 – Three Game-Changing Social Security Strategies
• #37 – Top 5 Questions on Social Security Survivor Benefits
• #24 – Understanding Spousal (and Ex-Spousal) Social Security Benefits
• Ultimate Guide to Women’s Social Security Success
• Navigating Life After Loss: 3 Part Episode Series
• Tax and Retirement Planning Cheat Sheet (updated for 2026)

Connect with Eric Blake:

• www.TheSimplyRetirementPodcast.com
• Join the Simply Retirement Newsletter
• Ask a Question or Suggest a Topic for the Podcast
• Blake Wealth Management
• YouTube