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PODCAST

How to Retire on Time

Welcome to How to Retire on Time, a show that answers your retirement questions. Say goodbye to the oversimplified advice you"ve heard hundreds of times. This show is about getting into the nitty-gritty so you can make better decisions as you prepare for retirement. Text your questions to 913-363-1234 and we"ll feature them on the show. Don"t forget to grab a copy of the book, How to Retire on Time, or check out our resources by going to www.retireontime.com.

education how to

All Episodes

6:34

What's Changing with Medicare This Year

How to Retire on Time ·

2026/09/17

Don’t let yourself auto-renew your current plan. Big changes could cause you to want to shop this season before you commit. Michael Decker, NSSA® covers what's changing with Medicare this year.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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6:04

Can Anyone Time the AI Bubble?

How to Retire on Time ·

2026/09/16

Is there an AI bubble and if so, can you time your exit? Michael Decker, NSSA® answers a viewer's question on whether he believes AI stocks are a bubble, and why he says timing the exit is nearly impossible, even for the best.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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7:57

Why Tax Planning Starts with Where to Put Your Savings

How to Retire on Time ·

2026/09/15

Where your money goes and when you want to pull it out shapes the planning on where you should place it in the first place. The 401(k) is only one place to save for retirement. Michael Decker, NSSA® answers a viewer question on where to put retirement savings, and why the right answer depends on how old you are, when you want to retire, and what tax opportunities are available.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get

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32:17

Which is better, lifetime income from an annuity or a...

How to Retire on Time ·

2026/09/14

There is no such thing as a perfect investment, product, or strategy, which is why the comparison between a 30-year treasury vs an indexed annuity is so interesting. Michael Decker, NSSA® takes a viewer question comparing a 30-year treasury bond to an annuity, and when you would consider one or the other and vice versa. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools

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10:27

Why the Surviving Spouse Carries More Risk

How to Retire on Time ·

2026/09/11

Michael Decker, NSSA® walks through the tax risk, longevity risk, healthcare risk, and other risks unique to the spouse who lives longer, and what many people miss when putting together a retirement plan. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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6:13

What If It Takes Year To Recover From a Market Crash

How to Retire on Time ·

2026/09/10

Michael Decker, NSSA® takes on a market-crash reserves question and a Roth conversion sizing question back-to-back, and why the right answer to each one depends entirely on the person asking.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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5:37

How Retirees Plan for Healthcare Before Medicare...

How to Retire on Time ·

2026/09/09

Michael Decker, NSSA® answers a viewer question on retiring before 65, and how the options for covering healthcare before Medicare actually compare.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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15:52

Why Complicated Doesn’t Mean Better

How to Retire on Time ·

2026/09/08

Michael Decker, NSSA® breaks down complicated investments like non-traded REITs, private credit, structured notes, and gold and crypto pitches, and the risk that gets left out of the sales pitch for each one.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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20:06

How to Retire on Time, 9/1/26

How to Retire on Time ·

2026/09/07

Michael Decker, NSSA® walks through annuities, options trading, and "be your own bank" life insurance, what that word "guaranteed" does and doesn't actually promise, and much more. Discover why you need a plan first, and then you can figure out which products are right for you and which products are wrong for you. The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉https://RetireOnTime.com/Free This is

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8:11

What Happens to Your IRA After You're Gone

How to Retire on Time ·

2026/09/04

Two viewers ask about protecting their money after death, one from Medicaid and one from the IRS. The answers are more restrictive than either expected.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.

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6:10

When Roth Conversions Might Not Be the Right Move

How to Retire on Time ·

2026/09/03

A high income earner asks about all the Roth conversion hype, and Michael Decker, NSSA® explains why her situation is when that advice falls apart.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.

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12:07

When Your Advisor Fees Are More Than Your Tax Bill

How to Retire on Time ·

2026/09/02

Michael Decker, NSSA® runs the numbers on a million-dollar retirement account and shows how the advisor fee is twice as expensive as what the government actually charged.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.

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9:07

Tax Brackets Matter Less Than People Realize

How to Retire on Time ·

2026/09/01

There’s more to tax planning than looking at your income tax brackets Discover the different ways to take income and how to get the most out of your money while navigating different types of tax brackets.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.

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16:01

When Roth Conversion Don’t Apply in Retirement

How to Retire on Time ·

2026/08/31

Many advisors talk about converting to a Roth before taxes go up. Michael Decker, NSSA® says most retirees with a million dollars or less should be doing something else entirely.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This content is for educational purposes only and is not financial advice.

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10:38

The Tax Bill Landlords Don't See Until They Sell

How to Retire on Time ·

2026/08/28

Selling a rental property can trigger a bigger tax bill than most landlords expect, and Mike Decker walks through two lesser known ways to exit instead.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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11:06

Why Income Order Matters More Than the Amount

How to Retire on Time ·

2026/08/26

One line on your tax return could be quietly costing you thousands a year, and Mike Decker ties it straight into the biggest Social Security filing mistake he sees.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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12:23

Two Risks Retirement Calculators Don't Warn You About

How to Retire on Time ·

2026/08/25

A question about retiring in your fifties and a question about hyperinflation turn out to have the exact same answer.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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24:51

Why "I'm Comfortable With Risk" Is the Wrong Answer

How to Retire on Time ·

2026/08/24

Every retiree says the same four words about risk tolerance, and Mike Decker says all four of them miss the point.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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5:24

Planning For When One Spouse Passes First

How to Retire on Time ·

2026/08/21

There's a retirement conversation almost no one wants to have. Skipping it is exactly how a surviving spouse ends up blindsided by taxes and decisions they were never part of.The following is from Mike’s weekly webinar.Ready to build a retirement plan around your life, not a product? Get the free book, access to tools, and more👉 https://RetireOnTime.com/Free This is for educational purposes only and is not financial advice.

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15:13

Why There's No Flowchart For Your Annuity Taxes

How to Retire on Time ·

2026/08/20

There's a version of the answer that would let you pay the least possible tax on your retirement money.The following is from Mike’s weekly webinar.Click Here to join the next one.Ready to build a retirement plan around your life, not a product? Get the free book and tools 👉 RetireOnTime.com/Free

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