Income Over Wealth

Why Smart Retirees Never Pay Cash For a Car

Dan Wilson — Sat, 11 Jul 2026 11:00:00 -0400

At a dealership, announcing cash can make you the least profitable customer in the room, which means less movement on the price. This episode breaks down where dealers actually make their money, the finance-then-prepay move that captures the discount without the debt, and the real opportunity cost of draining your capital to pay cash once you're retired.

Why the finance office, not the showroom floor, is where the dealer makes the most money
How to use dealer financing to capture a better price, then pay the loan off in week one
The simple rate spread that tells you when to pay cash and when to keep your money working

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Once Your Portfolio Hits This Number, Saving More Barely Matters

Dan Wilson — Tue, 07 Jul 2026 11:00:00 -0400

There are actually three crossovers worth knowing about. The first happens when portfolio growth exceeds your contributions. The second when it exceeds your earned income. The third, the original 1992 Vicki Robin definition, when income from your assets covers your monthly expenses. That last one is the only crossover that survives a flat market year.

Where each of the three crossovers actually sits in dollars (and the rough 20x rule of thumb)
Why the original crossover point got quietly redefined between 1992 and 2016
The four moves to make once you cross over, especially the RMD trap that hits at 73

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=zWGsGkDtu3o

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

After 55, Never Disclose These 8 Things To Anyone

Dan Wilson — Sat, 02 May 2026 11:00:00 -0400

Elder fraud cost Americans $81.5 billion in 2024, and a huge portion of it started with something someone said out loud. This episode walks through the eight disclosures that quietly expose you to financial risk after 55, from your retirement timeline to your Social Security amount to the one almost nobody talks about: your "big money" window.

Why announcing your retirement timeline at work often backfires
How your Social Security amount can make you a target for imposter scams
The "big money" window right before and after retirement that scammers know exists

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=c2MJ19oD1BY

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

The 6 Wealth Tiers in Retirement (Where Do You Rank?)

Dan Wilson — Sun, 26 Apr 2026 11:00:00 -0400

Most people think they're one tier above or below where they actually are. This episode walks through the Federal Reserve's retirement wealth breakdown and shows you what monthly income, daily stress, and real lifestyle look like from the bottom tier to the top 1%.

The net worth range for each of the 6 wealth tiers
How income structure (not just net worth) changes everything at levels 5 and 6
How to live like someone 1-2 tiers above where your savings put you

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=E9YmtNGyUu4

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

Got A Pension? Stop Following Normal Advice

Dan Wilson — Tue, 14 Apr 2026 11:00:00 -0400

If you have a pension, the usual advice on claiming Social Security, taking a lump sum, or planning survivor benefits was written for people without one. This episode walks through what changed in 2025, the 6% rule for lump sum decisions, and the inflation gap most pensions quietly carry.

How the WEP and GPO repeal changes what pension holders actually collect
The 6% rule for deciding pension vs lump sum payout
The hidden 45% pension loss from inflation and missing COLAs

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=7R95VeGFgP0

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.

9 Costly Retirement Mistakes People Make After 55 (And Regret Later)

Dan Wilson — Sat, 11 Apr 2026 11:00:00 -0400

The mid-50s are where most retirement plans start going sideways, not from a single big mistake but from a pattern of small ones. Chasing a perfect portfolio number. Staying in a job one year too long. Supporting adult children beyond what your plan can absorb. This episode walks through all nine and how to spot each one in your own plan.

Why "one more year" of working often costs more than it earns
The gift that actually hurts: supporting adult kids past the point it helps them
The one retirement decision you cannot reverse, and how to avoid it

Take the free Retirement Income Roadmap (7 questions, about 30 seconds): incomeoverwealth.com/map

Watch this episode on YouTube: https://www.youtube.com/watch?v=mwLt0AIndrg

This episode is educational and focused on strategy and math. Always consult a qualified tax or financial professional before making personal financial decisions.