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PODCAST

The Retirement Learning Lab

Van Richards, ChFC®, RICP®

Tired of feeling overwhelmed and confused about retirement planning?You"re not alone. After 30+ years of helping people navigate retirement, I"ve seen how the flood of conflicting financial advice paralyzes even the smartest people.Hi, I"m Van Richards, and I created The Retirement Learning Lab to cut through the noise and give you the clarity you deserve.Here"s what makes this different: Instead of throwing more complicated strategies at you, I teach you a simple, systematic approach that actually

education how to

All Episodes

32:21

7 Hidden Medicare 2026 Changes That Could Cost You...

The Retirement Learning Lab ·

2025/11/01

Send us a text Everyone's talking about Medicare premium increases for 2026. But there are 7 OTHER changes buried in the fine print that could cost you just as much - and almost nobody knows about them. 🚨 URGENT: Open Enrollment ends December 7th - you have just weeks to make changes! THE 7 HIDDEN CHANGES: 1. Specialist Referral Maze - New approval requirements add 3 weeks before you can even schedule appointments 2. Therapy Cap Reductions - Physical therapy jumping fr...

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24:09

Medicare 2026: Critical Changes That Could Cost You...

The Retirement Learning Lab ·

2025/10/22

Send us a text 🚨 URGENT: Medicare Open Enrollment ends December 7, 2025! Over 1.2 million Medicare enrollees are losing their plans completely in 2026. Are you one of them? Even if your plan still exists, major changes could cost you thousands of dollars if you don't act now. In this episode, you'll discover: ✅ The 5 biggest Medicare changes affecting millions of Americans in 2026 ✅ Why hospital costs are jumping by $155+ per day for some enrollees ✅ How to verify if your doctors will still

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26:20

"I Just Want to Retire and Do NOTHING" - What God...

The Retirement Learning Lab ·

2025/10/10

Send us a text "I just want to retire and do nothing." If you've ever had that thought—if it's the voice in your head as you drag yourself through another exhausting workday—this episode is for you. Maybe you're 58, 62, or 65. You've spent decades in demanding work—manufacturing, nursing, teaching, construction, management. Jobs that took everything from you. You wake up tired. You go to bed tired. Weekends aren't enough to recover. And when people talk about "purposeful retirement" or "findi...

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29:01

Running the Full Race: Biblical Wisdom for Social...

The Retirement Learning Lab ·

2025/09/25

Send us a text What if the Bible actually mentions retirement, but not the way modern society portrays it? In this episode of the Retirement Learning Lab, Van Richards explores the biblical model for life transitions found in Numbers 8:23-26 and reveals how ancient wisdom can guide modern Social Security decisions. Key Topics Covered: The Hebrew word "yashuv" and what it reveals about God's design for agingWhy biblical retirement means reassignment, not disengagementThe Levite model: sh...

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23:54

Small Business Owners: Navigating Social Security and...

The Retirement Learning Lab ·

2025/09/13

Send us a text If you're a small business owner, your retirement planning is nothing like your employees'. Your business isn't just your job - it's your biggest asset and your retirement plan all rolled into one. This creates a perfect storm of challenges that most owners never see coming. In this episode, Van Richards breaks down the critical intersection between Social Security strategy and business succession planning. You'll discover why these two elements must be coordinated from the sta...

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20:14

Working and Earning While Collecting Social Security:...

The Retirement Learning Lab ·

2025/08/25

Send us a text Are you working while collecting Social Security? You might be making costly mistakes without even knowing it. In this essential episode of the Retirement Learning Lab, Van Richards breaks down the four most shocking facts about Social Security earnings limits that could save you thousands of dollars. What you'll discover: 🔍 The biggest misconception: Withheld benefits aren't lost forever - they're actually credited back to you at full retirement age as a permanent benefit

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18:27

Should Private Equity Be in Your 401(k)? The Wall...

The Retirement Learning Lab ·

2025/08/18

Send us a text Wall Street's latest pitch sounds appealing: add private equity to your 401(k) for higher returns. But is this innovation or manipulation? In this episode, Van Richards breaks down the aggressive push by major investment firms to add private equity to target-date funds, promising 0.5-2% higher returns. But when you run the actual numbers, a very different picture emerges. 🎯 What You'll Discover: The Reality Check Framework: Real Costs - Why "2 and 20" fees could crush your

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23:45

NVIDIA Analysis: $4 Trillion Market Cap & China Reversal

The Retirement Learning Lab ·

2025/08/11

Send us a text What company made more profits in one quarter than McDonald's, Nike, and Netflix combined in an entire year? NVIDIA. And that's just the beginning of this incredible story. In this comprehensive episode, I break down NVIDIA's historic $4 trillion market cap milestone and the shocking China policy reversal that added $30 billion to their revenue projections overnight. What You'll Learn: How NVIDIA's Q1 2024 profits ($143.88 billion) dwarf major corporationsThe China H20 chip ban...

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21:18

Tariffs & Retirement: What You Need to Know Before...

The Retirement Learning Lab ·

2025/07/22

Send us a text 🚨 URGENT UPDATE: The tariff deadline has been extended by just 3 weeks, but the situation has gotten MORE unpredictable, not less. In this critical episode, I break down exactly what the tariff extension means for your retirement portfolio and why this matters more than other market "scares." What You'll Learn: Why Trump's 3-week extension actually makes things more uncertainThe shocking reality: Only 4 trade deals completed out of 200 promisedHow the EU relationship was

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12:55

Tesla Stock Analysis: 3 Major Problems Crushing TSLA...

The Retirement Learning Lab ·

2025/07/12

Send us a text Tesla shares are under serious pressure, and in this episode, I break down exactly why. As a chartered financial consultant, I've analyzed Tesla's fundamentals and identified three critical problems that every investor needs to understand. What We Cover: Why the EV tax credit elimination is bigger than most realizeTesla's declining delivery numbers and market saturation signalsLeadership distraction concerns and their impact on executionComplete SEC analysis: Stability, Earning...

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19:22

Defining Your Retirement Vision, Part 1: Stop...

The Retirement Learning Lab ·

2025/07/02

Send us a text "Van, I've been planning for retirement for 25 years, but I have no idea what I'm actually planning FOR!" This client's confession sparked today's episode of The Retirement Learning Lab. Host Van Richards, ChFC®, RICP®, reveals why most people approach retirement planning completely backwards - and how to fix it. In this eye-opening episode, you'll discover: Why most people spend more time planning their annual vacation than their next 30 years of lifeThe shocking difference be...

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35:38

Tax-Sensitive Accounts and Considerations - Getting...

The Retirement Learning Lab ·

2025/06/25

Send us a text Discover why your retirement account balance isn't what you think it is and how to optimize your tax strategy for retirement success. In this comprehensive episode, Van Richards reveals the "silent wealth destroyer" that most people completely ignore until it's too late - taxes in retirement. Featured Story: Meet Robert, a successful engineer who saved $800,000 over 30 years, only to discover his spending power was actually $624,000 after taxes. Plus, his Social Security would ...

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30:40

Understanding Your Assets, Liabilities and Net Worth...

The Retirement Learning Lab ·

2025/06/18

Send us a text Can you be a millionaire and still not have enough for retirement? In this eye-opening episode, Van Richards reveals why your net worth might be misleading you about your retirement readiness. The Millionaire Paradox Meet Mike and Janet - a couple with $1.25 million in net worth who discovered they could only afford 60% of their desired retirement lifestyle. Then hear about David and Linda, who had LESS money but were completely prepared for retirement. What made the difference...

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16:04

Social Security Tax Trap: How 85% of Your Benefits...

The Retirement Learning Lab ·

2025/06/13

Send us a text Are you walking into a Social Security tax trap without even knowing it? In this eye-opening episode of The Retirement Learning Lab, I reveal why over 50% of Social Security recipients now pay taxes on their benefits - and more importantly, how you can avoid becoming one of them. What You'll Discover: The shocking history: Why Social Security taxation has exploded from 10% to 50%+ of recipientsThe "combined income" formula that catches most retirees off-guardReal case study: Ho...

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29:45

Creating Your Financial Inventory: The Difference...

The Retirement Learning Lab ·

2025/06/06

Send us a text Welcome back to the Retirement Learning Lab! In this episode, Van Richards continues the "Getting Your Financial House in Order" series by showing you how to transform your organized documents into a crystal-clear picture of your true financial position. What You'll Learn: The critical difference between having organized documents and actually knowing what you're worthWhy even intelligent professionals struggle with financial planning (featuring real client stories)The three es...

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25:55

Getting Your Financial House in Order: The...

The Retirement Learning Lab ·

2025/05/30

Send us a text After 30+ years helping people plan for retirement, I've never met one person who regretted getting organized. Yet most people want to jump straight to the exciting stuff—investment strategies, dream vacations, Bitcoin. Here's the truth: without organized financial information, everything else becomes guesswork rather than strategy. In this episode, I share two real stories that perfectly illustrate why organization matters: 🔴 The Surgeon's Story: Making $50,000/month but

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24:06

The Ultimate Retirement Planning Framework: From...

The Retirement Learning Lab ·

2025/05/23

Send us a text Feeling overwhelmed by conflicting retirement advice? You're not alone. In this episode of The Retirement Learning Lab, host Van Richards reveals the systematic framework that transforms retirement planning from overwhelming chaos into clear, confident action. After 30+ years of helping people navigate retirement, Van shares why most people fail at retirement planning—and exactly how to avoid their mistakes. What You'll Discover: Why collecting random retirement tips is like bu...

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18:55

From Insecure to In Control: Your Retirement...

The Retirement Learning Lab ·

2025/05/16

Send us a text In this enlightening episode of The Retirement Learning Lab, host Van Richards tackles one of retirement's most universal challenges: transforming uncertainty into confidence. Drawing from over 30 years of experience helping people prepare for retirement, Van addresses those middle-of-the-night worries that plague so many pre-retirees. Have you ever lain awake wondering if your retirement savings will be enough? Do you feel that knot in your stomach when faced with conflicting ...

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36:14

From Retirement Terrified to Financially Confident

The Retirement Learning Lab ·

2025/05/08

Are you avoiding planning for retirement because it feels overwhelming? You're not alone. In this episode of The Retirement Learning Lab, host Van Richards tackles retirement anxiety head-on with practical, actionable strategies to transform your financial future. Recent surveys show a troubling 79% of Americans believe we face a retirement crisis, with the median retirement account balance for households ages 55-64 at just $185,000. But Van explains why it's never too late to start building ...

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14:42

Tariffs Impact on Retirement

The Retirement Learning Lab ·

2025/04/11

In this illuminating episode of The Retirement Learing Lab, Chartered Financial Consultant Van Richards tackles one of today's most pressing economic concerns: how tariffs are reshaping retirement planning landscapes. As global trade policies continue to evolve, many Americans are left wondering how these macroeconomic shifts might affect their hard-earned retirement savings. Van breaks down these complex financial concepts into digestible insights that listeners at any stage of their retirem...

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46 results

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