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Social Security is back in the headlines, with warnings that the trust fund could become insolvent as early as 2032. Does that mean your benefits are at risk? Should you claim early? Economist Larry K…

Social Security is b…

Social Security is back in the headlines, with warnings that the trust fund could become insolvent as early as 2032. Does that mean your benefits are at risk? Should you claim early? Economist Larry Kotlikoff joins us to separate fact from fear. We explain what "insolvency" really means, why the long-term funding gap may be much larger than most people realize, what Congress could do to fix it, and—most importantly—what today's headlines should (and shouldn't) mean for your own Retirement decisions. Links: MaximizeMySocialSecurity.com Maxifi.com Economics Matters by Laurence Kotlikoff (Su…

Retirement confidence has hit its lowest point since post-COVID — and for good reason. From skyrocketing Medicare premiums to housing costs, Social Security uncertainty, growing debt, and the crushi…

Retirement confidenc…

Retirement confidence has hit its lowest point since post-COVID — and for good reason. From skyrocketing Medicare premiums to housing costs, Social Security uncertainty, growing debt, and the crushing weight of Caregiving, retirees are facing a financial storm no one fully planned for. In this episode, Terry, Richard, and Pam break down the top 5 worries from the brand-new 2026 Retirement Confidence Survey (Employee Benefit Research Institute) and, more importantly, what you can actually do about them. What we cover: Why 40% of retirees say expenses are higher than expected The shocking tru…

Nearly 3 in 4 couples say money is a source of tension in their relationship. But most never figure out why, or what to do about it. In this episode of Friends Talk Money, Richard, Pam, and Terry talk…

Nearly 3 in 4 couple…

Nearly 3 in 4 couples say money is a source of tension in their relationship. But most never figure out why, or what to do about it. In this episode of Friends Talk Money, Richard, Pam, and Terry talk with Heather and Doug Bonaparte, a married couple and co-authors of the book Money Together. Heather is a business and legal affairs attorney. Doug is a certified financial planner and founder of Bonafide Wealth. And together, they have had every hard money conversation you have been putting off. If you are married, partnered, or thinking about combining finances with someone, this conversation w…

Tax season just got a major overhaul. The One Big Beautiful Bill changed more tax rules than anything since 2017, and if you're over 65, retired, or earning tip or overtime income, you could be leavin…

Tax season just got …

Tax season just got a major overhaul. The One Big Beautiful Bill changed more tax rules than anything since 2017, and if you're over 65, retired, or earning tip or overtime income, you could be leaving serious money on the table. In this episode of Friends Talk Money, we sit down with Lisa Green-Lewis, TurboTax spokesperson and trusted tax expert, to break down every major change you need to know before you file. The NEW $6,000 deduction for seniors and who qualifies Tips & overtime income deductions - brand new for 2025 Auto loan interest deduction - what cars qualify Social Security &am…

Description: Becoming a financial caregiver for an Aging parent can happen overnight. And even financially savvy families can find themselves unprepared. In this episode of Friends Talk Money, we talk…

Description: Becomin…

Description: Becoming a financial caregiver for an aging parent can happen overnight. And even financially savvy families can find themselves unprepared. In this episode of Friends Talk Money, we talk with Beth Pinsker, author of My Mother's Money and personal finance writer at MarketWatch. Beth shares what she learned while managing her mother's finances during a long medical crisis, including: • Why a durable power of attorney is critical • The mistakes people make with Medicare • How long-term care insurance really works • IRS issues after a parent dies • Estate planning gaps that…

The Dow is hovering near 50,000. AI stocks are dominating the market. And investors are feeling both confident and anxious at the same time. It's the first Friends Talk Money episode of 2026, and we'r…

The Dow is hovering …

The Dow is hovering near 50,000. AI stocks are dominating the market. And investors are feeling both confident and anxious at the same time. It's the first Friends Talk Money episode of 2026, and we're joined by expert market strategist Jim Stack, founder of InvestTech Research, to unpack what's really happening beneath the surface of today's stock market and what it means for investors nearing or in retirement. Jim explains why extreme market valuations don't cause bear markets, but dramatically increase the risk. He also breaks down why indexing may no longer feel as diversified as investors…

AI is now answering millions of financial questions every day, but how much of it can you actually trust? In this episode of Friends Talk Money, Pam Krueger, Terry Savage, and Richard Eisenberg dive d…

AI is now answering …

AI is now answering millions of financial questions every day, but how much of it can you actually trust? In this episode of Friends Talk Money, Pam Krueger, Terry Savage, and Richard Eisenberg dive deep into the surge of AI-generated financial advice and unpack the risks, myths, and surprising mistakes that tools like ChatGPT, Claude, Gemini, and DeepSeek are making. A major study shows AI gives incorrect financial answers up to 35% of the time, and the consequences can be huge when it comes to Social Security, Medicare, retirement timelines, investing, or even basic budgeting. To separate hy…

Gen X is officially in the retirement danger zone — and many are worried about outliving their savings. In this episode of Friends Talk Money, Richard Eisenberg, Terry Savage, and I sit down with au…

Gen X is officially …

Gen X is officially in the retirement danger zone — and many are worried about outliving their savings. In this episode of Friends Talk Money, Richard Eisenberg, Terry Savage, and I sit down with author and workplace/retirement expert Kerry Hannon to dig into the findings from her new book, Retirement Bites: A Gen X Guide to Securing Your Financial Future. We explore: Why more than half of Gen X fears they won't be financially ready How DIY Retirement Planning, disappearing pensions & late savings habits created a perfect storm The crushing impact of student loans, credit card debt &…

Three-quarters of Medicare beneficiaries say choosing a Medicare plan is confusing, and nearly 7 in 10 (69%) Medicare beneficiaries have not compared their own source of Medicare coverage with other M…

Three-quarters of Me…

Three-quarters of Medicare beneficiaries say choosing a Medicare plan is confusing, and nearly 7 in 10 (69%) Medicare beneficiaries have not compared their own source of Medicare coverage with other Medicare options offered in their area during past open enrollment periods, according to surveys. These actions can cost you money and limit your medication coverage and pharmacy access. In this episode of Friends Talk Money, we unpack what you need to know about Open Enrollment and your plan options, diving into the pros and cons of Original Medicare plus a supplement and Part D plan versus Medic…

Nearly 1 in 4 Americans over 50 are planning a job change this year, according to a new AARP survey—but here’s the surprising part: 65% haven’t taken any steps to prepare.In this episode of Frie…

Nearly 1 in 4 Americ…

Nearly 1 in 4 Americans over 50 are planning a job change this year, according to a new AARP survey—but here’s the surprising part: 65% haven’t taken any steps to prepare.In this episode of Friends Talk Money, hosts Terry, Richard, and Pam dig into what’s really driving career changes for people over 50, 55, and 60—and what older job seekers need to know to stay competitive in today’s market. We cover: Why boomers and Gen Xers are rethinking retirement and launching second-act careers How to avoid the black hole of job applications and get results through networking and research S…

Generation X is often called the “forgotten middle child” between Boomers and Millennials, but with 65 million Gen Xers moving into their 50s and early 60s, they’re facing a massive financial ch…

Generation X is ofte…

Generation X is often called the “forgotten middle child” between Boomers and Millennials, but with 65 million Gen Xers moving into their 50s and early 60s, they’re facing a massive financial challenge: skyrocketing healthcare costs. In this episode of Friends Talk Money, Pam Krueger, Terry Savage, and Richard Eisenberg unpack why healthcare, not retirement savings, is now the #1 financial concern for Gen X. From high insurance premiums and long-term care to hidden out-of-pocket costs, we break down: Why Gen X is more worried about healthcare than retirement savings How rising costs are…

More Americans in their 50s, 60s, and beyond are starting businesses than ever before—but they’re also facing new, mounting challenges. In this episode of Friends Talk Money, we unpack what’s f…

More Americans in th…

More Americans in their 50s, 60s, and beyond are starting businesses than ever before—but they’re also facing new, mounting challenges. In this episode of Friends Talk Money, we unpack what’s fueling this surge in encore entrepreneurship and how recent policy shifts—especially cuts to the Small Business Administration (SBA) and new trade barriers—are making it harder for older founders to succeed. Special guest Hedy Ratner, co-founder of the Women’s Business Development Center, joins us to discuss how older entrepreneurs, particularly women and minorities, are being affected. We …