We're 62 with $2M: Retire Now or Wait?

We're 62 with $2M: Retire Now or Wait?

Author: James Conole, CFP® October 18, 2025 Duration: 13:27
The real question isn’t “Can we retire?”, it’s “On how much, and when do the big costs fade so our savings can breathe?” In this episode, James walks through one couples' retirement plan to show how timing, travel, and housing choices can turn a shaky forecast into a confident glidepath. He highlights the income canyon most people miss (the stretch between retiring and starting Social Security) where withdrawals rise sharply, then ease once benefits begin and the mortgage is gone. By front-...

Charting a path toward retirement often feels like navigating without a map, filled with complex terms and a fear of making the wrong move. Ready For Retirement, hosted by certified financial planner James Conole, aims to replace that uncertainty with clarity and actionable insight. Each episode breaks down a specific aspect of financial planning, from investment fundamentals and tax strategies to navigating healthcare costs and defining what a secure future actually looks like for you. James draws on his professional experience to translate daunting concepts into practical steps, avoiding generic advice in favor of discussions that address real-life complexities and questions. Tuning into this podcast feels like having a straightforward conversation with a knowledgeable guide who prioritizes your long-term peace of mind over financial industry jargon. The focus is consistently on building not just a portfolio, but confidence in your decisions, empowering you to move from feeling overwhelmed to feeling prepared. Whether you're decades away from retirement or it's on the near horizon, these conversations provide a steadying framework for making informed choices about your money and your life.
Author: Language: en-us Episodes: 100

Ready For Retirement
Podcast Episodes
Why many retirees REGRET relying on Social Security Income [not-audio_url] [/not-audio_url]

Duration: 13:20
Relying too much on Social Security? You’re not alone—over 40% of retirees count on it for at least half their income. But that safety net has some major gaps. In this video, I break down four key reasons why Social Secu…
Root Talks: What Role Does "Fun" Play in an Advisory Relationship? [not-audio_url] [/not-audio_url]

Duration: 15:50
How do you keep things fun when markets—or life—get tough? We're breaking down why “fun” isn’t just about ping pong tables and perks—it’s about being prepared, building trust, and maintaining strong relationships before…
9 Things To STOP DOING After 60 [not-audio_url] [/not-audio_url]

Duration: 16:19
If you're over 60, it's time to stop certain habits that may be holding you back from fully enjoying your retirement. In this video, I’ll share key lessons learned from working with retirees, including how small shifts c…
Your Roth IRA Could be Locked For 5 Years. Here's Why [not-audio_url] [/not-audio_url]

Duration: 12:28
Roth IRAs are a great way to build tax-free retirement income—but the withdrawal rules can be tricky. In this video, I’ll break down the five-year rules, how contributions, conversions, and growth are treated, and smart…
Root Talks: How Do Smart Retirees Handle Big One-Time Expenses? [not-audio_url] [/not-audio_url]

Duration: 18:58
Root Collective member Gary asks how to fund a $40K home remodel before retiring—should he use a taxable brokerage account, tax-deferred 401(k), Roth IRA, or cash? Ari and I break down how to handle big one-off expenses…

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