What happens when a layoff threatens your retirement dreams just years before you’re ready? Randy and Peggy Fisher break down the tough realities of job loss in your fifties, sharing practical strategies to avoid costly mistakes with your 401(k), IRA, and emergency savings. Learn why flexibility, preparation, and understanding your options can make all the difference when facing an uncertain job market. Plus, discover the pros and cons of rolling over your retirement accounts—and how to keep more of what you’ve earned.

For more information visit www.therealretireesofnewjersey.com!

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Is your retirement plan being eaten away by hidden “termites” you can’t see? Join Randy and Peggy Fisher as they tackle the realities of retiring in New Jersey, from sky-high taxes and property costs to the surprising fees lurking in your portfolio. With candid stories, travel dreams, and a dose of humor, this episode reveals why understanding what you’re really paying for matters more than ever. Discover how a portfolio “x-ray” can shine a light on costs and help you make smarter choices for your future.

For more information visit www.therealretireesofnewjersey.com!

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What’s the real secret to retirement success? This episode strips away the myths and gets honest about when and how to start planning, why “income is the outcome,” and how to tackle debt, inflation, and changing Social Security. Randy and Peggy Fisher share candid stories and practical strategies for building a retirement plan that fits your life—no matter where you’re starting from.

For more information visit www.therealretireesofnewjersey.com!

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Ever wondered why “no” is the default answer in retirement—and how saying “yes” could change everything? Join Peggy and Randy Fisher as they share spontaneous travel stories, tackle the realities of taxes, Social Security, and Medicare, and reveal how inflation and government policies impact retirees in New Jersey. Discover practical insights and candid moments that will help you rethink your retirement strategy.

For more information visit www.therealretireesofnewjersey.com!

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What if your advisor’s silence on taxes is costing you thousands? This episode exposes the pitfalls of poor tax planning, the power of Roth conversions, and why Social Security isn’t as tax-free as you think. Randy and Peggy Fisher share real-life stories, break down self-directed IRAs, and reveal how “taxes on sale” could reshape your retirement strategy.

For more information visit www.therealretireesofnewjersey.com!

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Why do so many adults hesitate to get financial advice, even when their future is at stake? This episode tackles the fear and procrastination that keep retirees and pre-retirees from making smart decisions. Randy and Peggy Fisher share brutally honest stories about debt, trust, and the power of second opinions. Learn how proactive planning, facing real numbers, and breaking bad habits can transform your financial life—because excuses are for losers, and winners take action.

For more information visit www.therealretireesofnewjersey.com!

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What does “going broke safely” really mean for retirees? This episode explores the emotional shock of retirement, the dangers of procrastination, and why sticking to proven financial strategies beats chasing trends. Randy and Peggy Fisher share real stories—from lottery fantasies to bucket-list adventures—and reveal how fear and indecision can sabotage your financial future. Discover why income is the outcome that matters most, and how honest advice can help you retire right.

For more information visit www.therealretireesofnewjersey.com!

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What do magical pennies, machine-gun ants, and $86 trillion have to do with retirement? In this episode of Real Retirees of New Jersey, Randy and Peggy Fisher blend humor with hard-hitting financial truths—from the dangers of procrastination to the realities of Social Security, inheritance planning, and healthcare costs. Whether you're waiting on a windfall or planning to pass one down, this episode offers practical strategies, memorable metaphors, and a reminder that being proactive beats being reactive—every time.

For more information visit www.therealretireesofnewjersey.com!

See omnystudio.com/listener for privacy information.