Podcast Episode 15: Cash Flow in Retirement: Social Security, Pensions, and Safe Withdrawal Rates

I just released Episode 15 of the Teaching You To Fisch podcast. This episode explores how you will generate the income necessary to pay for your lifestyle when you are no longer working. Slides Transcript It's available on Spotify, Apple Podcasts, and YouTube, and I've also embedded it below. As always, feedback is appreciated. https://www.youtube.com/watch?v=sFLgLcCCxyM … Continue reading Podcast Episode 15: Cash Flow in Retirement: Social Security, Pensions, and Safe Withdrawal Rates →

Time to Buy! Buy! Buy! (Service Credit, 2025 Edition)

Just a little over 3 years ago I wrote a post encouraging folks to purchase service credit in their pension system if they were eligible and could afford to do it. While the entire post is worth reading for the full context, I wanted to pull out this quote, The second reason I think purchasing … Continue reading Time to Buy! Buy! Buy! (Service Credit, 2025 Edition) →

Knock-On Effects of the WEP and the GPO Repeal

Last night the Senate passed HR 82, which repeals the WEP and the GPO. As I posted last night, this is a bit more complicated than some people think and some folks may be surprised by some of the ultimate outcomes. While those "complications" were very much discussed by opponents of the bill, today I … Continue reading Knock-On Effects of the WEP and the GPO Repeal →

WEP and GPO Repealed

Edit: It's helpful if you are interested in this topic to read these two previous posts: Are the WEP and GPO Fair? and Some Nuances of the WEP and GPO. The U.S. Senate today passed, and President Biden is expected to sign, HR 82, the "Social Security Fairness Act." (The bill was signed into law … Continue reading WEP and GPO Repealed →

Reading, Interpreting, and Understanding PERA’s Highest Average Salary (HAS) Tables

Colorado PERA is the pension system for public employees in Colorado. Like most public pension systems, the benefits members receive have changed over time, with newer members receiving less generous pension benefits when compared to more veteran members who have an earlier membership date. Many pensions refer to these different levels of benefits as tiers, … Continue reading Reading, Interpreting, and Understanding PERA’s Highest Average Salary (HAS) Tables →