Want to get in touch with Mark? 👉 https://silverman-associates.com/home

When it comes to retirement, there are certain realities you simply can’t ignore, no matter how much you might want to. In this episode, Mark takes a practical look at the challenges retirees face and how to prepare for them with confidence. The best way to be ready for a major life change is to learn as much as you can ahead of time so let’s make sure you know what’s coming.

Here’s what we discuss in today’s show:

⏳ Longer lifespans mean your money must last decades, not years

💊 Healthcare and long-term care costs rise faster than inflation

✈️ Enjoy active retirement early while health allows it

💸 Beware of high-commission products that promise easy fixes

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home

We’ve all heard sayings like “real estate never fails” or “a mortgage is good debt.” But is conventional wisdom always wise? In this episode, Mark takes a closer look at some of the most common money beliefs and reveals where they can lead you astray, especially as you prepare for retirement. Don’t let outdated advice steer your retirement; learn what’s really true for today’s world.

Here’s what we discuss in today’s show:

🏠 Real estate isn’t always the “can’t lose” investment

📉 Why “good debt” like a mortgage isn’t always good

🕰️ Planning your time in retirement is just as vital as your finances

📊 Timing the market vs. time in the market

💡 Peace of mind often matters more than numbers on a spreadsheet

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home

In today’s mailbag, Mark answers three real listener questions. First, when it’s time to replace a car, is it smarter to use your emergency fund, pull from an IRA, or finance with a monthly payment? Next, a recent college grad asks how much she should realistically save each month toward retirement, a home, and future travel. Finally, a listener approaching retirement wonders if having less than a million dollars saved is enough to live comfortably.

Here’s what we discuss in today’s show:

🚗 Weighing options for buying a car in retirement

💰 Why emergency funds should always be replenished

📈 Starting small and increasing savings over time

🧮 Why “a million dollars” isn’t a magic retirement number

🛠️ How a financial plan adapts to your unique life

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home

What’s the risk if only one spouse handles the finances? What are the smartest ways to plan for long-term care costs? There are plenty of ways retirement plans can go off the rails. In this episode, Mark shares real-world “financial disaster” scenarios he’s seen and how to keep them from happening to you. These aren’t just market risks, they’re life events that can derail your savings, shake your confidence, and force you to make tough choices you never planned for.

Here’s what we discuss in today’s show:

🗝 Keys to safeguarding your retirement income

🏥 Planning for long-term care without draining your savings

🏚 The risks of living solely on Social Security

🛡 Building a resilient retirement plan to weather life’s surprises

🏦 Protecting your nest egg from market volatility

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home

Major life decisions (like taking a big trip or starting a business) can all have lasting effects on your financial future. The impact isn’t always obvious upfront, but without a solid plan, even a well-intentioned move can throw retirement off course. This episode, Mark talks about making smart choices before money becomes a source of stress. It’s not just about cutting back or saying no, it’s about understanding how each decision fits into the bigger picture.

Here’s what we discuss in today’s show:

💰 Turning $500K into reliable income

📉 The annuity pitch and why to think twice

🧾 Health insurance after leaving a full-time job

⚠️ Why entrepreneurship in your 50s requires extra caution

🏰 Can you afford Disney before you retire?

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

Want to get in touch with Mark? 👉 https://silverman-associates.com/home

Wedding bells are ringing, but are the money talks happening? In this episode, Mark offers essential financial advice for newlyweds and remarried couples alike. If it’s your first time tying the knot or a second (or third) go-round, there are big financial questions to sort out, and ignoring them can lead to trouble. As you’ll see, it’s better to talk now than fight later.

Here’s what we discuss in today’s show:

💬 Why money talks should happen before marriage

💳 How financial history impacts your future

🔐 Why second marriages need extra estate planning

🎯 Joint or separate accounts? What works and why

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832

You can have the perfect investment plan, but the wrong mindset can still derail your retirement. In this episode, Mark explores some of the most dangerous mental traps he’s seen people fall into during their financial journey, and how to avoid them. Tune in to discover what could quietly unravel even the strongest portfolios.

Here’s what we discuss in today’s show:

😨 Fear-based choices that could derail your future

🚀 Overconfidence often leads to too much risk at the wrong time

🧠 How media negativity can cloud smart decision-making

💤 Does “set it and forget it” work?

🔍 Finding the right advisor

Want to get in touch with Mark?

Web: https://silverman-associates.com/home

Email: mark@silverman-associates.com

Phone: 520.512.8832

In the book The Five People You Meet in Heaven, a man arrives in heaven and encounters five different people who impacted his journey and gave meaning to his life. Today, Mark talks about the five people you should be meeting right before you retire. These are the people who can have a significant impact on your retirement and possibly even help give you a sense of purpose and direction as you enter into the next stage of life.

Here’s what we discuss in today’s show:

📚Why your financial advisor should be a planner, not just a salesperson

📜 How an estate planner helps protect your wishes

🛡️ The role of insurance in your long-term risk management

🏋️‍♂️ Why staying physically active is key to enjoying retirement

💬 How mentorship can bring meaning, structure, and fulfillment post-career

Want to get in touch with Mark?

Web:

https://silverman-associates.com/home

Email:

mark@silverman-associates.com

Phone:

520.512.8832