Plan Your Kaiser Retirement | Pension & 401k Planning for California Healthcare Workers Transistor (https://transistor.fm) https://feeds.transistor.fm/plan-your-kaiser-retirement Plan Your Kaiser Retirement is the podcast for Kaiser Permanente employees in California who want clarity and confidence about retiring. Each episode breaks down your Kaiser pension options, 401(k) strategies, Social Security timing, Medicare, and California taxes—in plain English—so you can answer “When can I retire?” and turn your savings into a reliable monthly paycheck. Whether you’re in your 40s planning ahead or in your 50s preparing to exit, you’ll learn how to coordinate pension + Social Security, use the Roth window (59½–70), avoid IRMAA surprises, and choose benefits with confidence. Hosted by Sacramento-based financial advisor Bereket Kelile, with deep family ties to Kaiser, this show is built for healthcare professionals who want a clear plan—not generic advice. Retire with clarity. Retire on purpose. © 2026 Bereket Kelile 8948b4ff-438f-528c-86fd-cb55000a82f6 yes en Mon, 09 Mar 2026 06:00:21 -0700 Mon, 09 Mar 2026 06:02:25 -0700 https://retirefromkaiser.com/ https://img.transistorcdn.com/1JlwpCZoy-1u_L1_Fgwmqv9j4Jg5K1kbR_1tHSJahL4/rs:fill:0:0:1/w:1400/h:1400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iMjdi/ODEwZTE3MDVjNDQ3/YjhjNGI0ZmVjOGRl/NDhjMC5qcGc.jpg Plan Your Kaiser Retirement | Pension & 401k Planning for California Healthcare Workers https://retirefromkaiser.com/ episodic Bereket Kelile Plan Your Kaiser Retirement is the podcast for Kaiser Permanente employees in California who want clarity and confidence about retiring. Each episode breaks down your Kaiser pension options, 401(k) strategies, Social Security timing, Medicare, and California taxes—in plain English—so you can answer “When can I retire?” and turn your savings into a reliable monthly paycheck. Whether you’re in your 40s planning ahead or in your 50s preparing to exit, you’ll learn how to coordinate pension + Social Security, use the Roth window (59½–70), avoid IRMAA surprises, and choose benefits with confidence. Hosted by Sacramento-based financial advisor Bereket Kelile, with deep family ties to Kaiser, this show is built for healthcare professionals who want a clear plan—not generic advice. Retire with clarity. Retire on purpose. Plan Your Kaiser Retirement is the podcast for Kaiser Permanente employees in California who want clarity and confidence about retiring. retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro Bereket Kelile No No Your Kaiser Retirement at 55–62: The 2026 Playbook 20 20 Your Kaiser Retirement at 55–62: The 2026 Playbook full a695287e-7d1e-4534-999f-868e16d7d5c3 https://share.transistor.fm/s/8ac85882 If you’re a Kaiser healthcare worker in your 50s and asking “When can I retire?”, this episode gives you a clear 2026 roadmap. Bereket walks you through tightening the playbook in your “third quarter”: locking down your foundations, then coordinating Social Security, pension, and 401(k) to create a monthly paycheck you can actually spend—while avoiding tax and healthcare pitfalls.


What you’ll learn:

  • Foundation first: wipe consumer debt, fully fund 3–6 months (then 6–12) of cash, and set a target date to kill the mortgage before retirement.
  • Social Security in 6 steps: pull your statement, model 62/FRA/70 benefits, coordinate with pension, and view decisions through a tax lens.
  • The Kaiser Roth window: why age 59½–70 is prime time for systematic Roth conversions to lower lifetime taxes and improve survivor/legacy outcomes.
  • Pension optimization + 401(k) catch-up: how to blend pension timing with pre-tax/Roth buckets to hit your expense target.
  • Building your “paycheck”: stack SS + pension + 401(k) in the right order to smooth taxes and cash flow.


Grab the Kaiser 50s Retirement Playbook + 15-minute clarity call: https://deft-producer-2206.kit.com/dd0e025e7d

]]> If you’re a Kaiser healthcare worker in your 50s and asking “When can I retire?”, this episode gives you a clear 2026 roadmap. Bereket walks you through tightening the playbook in your “third quarter”: locking down your foundations, then coordinating Social Security, pension, and 401(k) to create a monthly paycheck you can actually spend—while avoiding tax and healthcare pitfalls.


What you’ll learn:

  • Foundation first: wipe consumer debt, fully fund 3–6 months (then 6–12) of cash, and set a target date to kill the mortgage before retirement.
  • Social Security in 6 steps: pull your statement, model 62/FRA/70 benefits, coordinate with pension, and view decisions through a tax lens.
  • The Kaiser Roth window: why age 59½–70 is prime time for systematic Roth conversions to lower lifetime taxes and improve survivor/legacy outcomes.
  • Pension optimization + 401(k) catch-up: how to blend pension timing with pre-tax/Roth buckets to hit your expense target.
  • Building your “paycheck”: stack SS + pension + 401(k) in the right order to smooth taxes and cash flow.


Grab the Kaiser 50s Retirement Playbook + 15-minute clarity call: https://deft-producer-2206.kit.com/dd0e025e7d

]]> Mon, 09 Mar 2026 06:00:00 -0700 Bereket Kelile Bereket Kelile 1485 If you’re a Kaiser healthcare worker in your 50s and asking “When can I retire?”, this episode gives you a clear 2026 roadmap. Bereket walks you through tightening the playbook in your “third quarter”: locking down your foundations, then coordinating Social Security, pension, and 401(k) to create a monthly paycheck you can actually spend—while avoiding tax and healthcare pitfalls.


What you’ll learn:

  • Foundation first: wipe consumer debt, fully fund 3–6 months (then 6–12) of cash, and set a target date to kill the mortgage before retirement.
  • Social Security in 6 steps: pull your statement, model 62/FRA/70 benefits, coordinate with pension, and view decisions through a tax lens.
  • The Kaiser Roth window: why age 59½–70 is prime time for systematic Roth conversions to lower lifetime taxes and improve survivor/legacy outcomes.
  • Pension optimization + 401(k) catch-up: how to blend pension timing with pre-tax/Roth buckets to hit your expense target.
  • Building your “paycheck”: stack SS + pension + 401(k) in the right order to smooth taxes and cash flow.


Grab the Kaiser 50s Retirement Playbook + 15-minute clarity call: https://deft-producer-2206.kit.com/dd0e025e7d

]]> keywords retirement planning, Kaiser healthcare, financial readiness, social security, pension optimization, 401k contributions, healthcare planning, retirement income, financial advisor, retirement strategies No Stuck Is a Symptom of Unmade Decisions (and How to Fix It) 19 19 Stuck Is a Symptom of Unmade Decisions (and How to Fix It) full d84a48ed-1ee7-478d-8c00-d3733e6cac5f https://share.transistor.fm/s/6d38a71f Feeling busy but not moving forward? In this episode, Bereket Kelile breaks down why so many healthcare workers feel “stuck”—and how unmade decisions quietly drain mental bandwidth, stall career progress, and slow financial planning. You’ll learn a simple reflective planning tool (past–present–future) to close open loops, regain focus, and set high‑quality goals that fit real life in healthcare.

We cover:

  • The real reason you feel stuck: unmade decisions and input overload
  • Why most decisions are reversible (and how tiny experiments create momentum)
  • How to clear mental tabs so you can prioritize career, money, and life
  • A step-by-step reflective process to set relevant, achievable goals
  • Using community/accountability to follow through

If you work at Kaiser, Dignity, or Sutter and want 2026 to look different—this is your starting point.

Want help applying this to your Kaiser benefits and retirement plan? Grab the Kaiser 40s Retirement Playbook and a 10–15 minute clarity call here: https://retirefromkaiser.com/

]]> Feeling busy but not moving forward? In this episode, Bereket Kelile breaks down why so many healthcare workers feel “stuck”—and how unmade decisions quietly drain mental bandwidth, stall career progress, and slow financial planning. You’ll learn a simple reflective planning tool (past–present–future) to close open loops, regain focus, and set high‑quality goals that fit real life in healthcare.

We cover:

  • The real reason you feel stuck: unmade decisions and input overload
  • Why most decisions are reversible (and how tiny experiments create momentum)
  • How to clear mental tabs so you can prioritize career, money, and life
  • A step-by-step reflective process to set relevant, achievable goals
  • Using community/accountability to follow through

If you work at Kaiser, Dignity, or Sutter and want 2026 to look different—this is your starting point.

Want help applying this to your Kaiser benefits and retirement plan? Grab the Kaiser 40s Retirement Playbook and a 10–15 minute clarity call here: https://retirefromkaiser.com/

]]> Mon, 02 Mar 2026 06:00:00 -0800 Bereket Kelile Bereket Kelile 744 Feeling busy but not moving forward? In this episode, Bereket Kelile breaks down why so many healthcare workers feel “stuck”—and how unmade decisions quietly drain mental bandwidth, stall career progress, and slow financial planning. You’ll learn a simple reflective planning tool (past–present–future) to close open loops, regain focus, and set high‑quality goals that fit real life in healthcare.

We cover:

  • The real reason you feel stuck: unmade decisions and input overload
  • Why most decisions are reversible (and how tiny experiments create momentum)
  • How to clear mental tabs so you can prioritize career, money, and life
  • A step-by-step reflective process to set relevant, achievable goals
  • Using community/accountability to follow through

If you work at Kaiser, Dignity, or Sutter and want 2026 to look different—this is your starting point.

Want help applying this to your Kaiser benefits and retirement plan? Grab the Kaiser 40s Retirement Playbook and a 10–15 minute clarity call here: https://retirefromkaiser.com/

]]> keywords healthcare workers, financial planning, decision-making, personal growth, overcoming inertia, goal setting, mental bandwidth, career trajectory, unmade decisions, reflective journaling No Your 2025 Investment Plan 18 18 Your 2025 Investment Plan full d0857d3f-6148-4542-b107-6dd568ba5267 https://share.transistor.fm/s/6c3d80b6 You know it's time to start saving and investing for retirement. But, where do you start? And what do you need to do so that you can retire comfortably as early as possible? Unless you do something different, you’re going to end up in 2025 exactly where you’re headed—again.

]]> You know it's time to start saving and investing for retirement. But, where do you start? And what do you need to do so that you can retire comfortably as early as possible? Unless you do something different, you’re going to end up in 2025 exactly where you’re headed—again.

]]> Thu, 26 Dec 2024 07:24:22 -0800 Bereket Kelile Bereket Kelile 1189 You know it's time to start saving and investing for retirement. But, where do you start? And what do you need to do so that you can retire comfortably as early as possible? Unless you do something different, you’re going to end up in 2025 exactly where you’re headed—again.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Is Dave Ramsey wrong about Social Security? 17 17 Is Dave Ramsey wrong about Social Security? full d42f4169-6885-40ec-9174-3611c600cb05 https://share.transistor.fm/s/31f3b3c7 Dave jokingly calls it Social “In-Security,” but it’s the main income for most people. Is Social Security going away? Also, burnout can happen to us even when we’re doing our dream job. How do you re-ignite your love and become excited again after going through the motions?


The 5-Part Financial Plan Checklist: http://leavenormalbehind.life/


Check out Kimbra’s Substack article: https://kimbra.substack.com/p/to-no-applause

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://bereketkelile.com/

]]> Dave jokingly calls it Social “In-Security,” but it’s the main income for most people. Is Social Security going away? Also, burnout can happen to us even when we’re doing our dream job. How do you re-ignite your love and become excited again after going through the motions?


The 5-Part Financial Plan Checklist: http://leavenormalbehind.life/


Check out Kimbra’s Substack article: https://kimbra.substack.com/p/to-no-applause

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://bereketkelile.com/

]]> Thu, 19 Sep 2024 09:29:06 -0700 Bereket Kelile Bereket Kelile 885 Dave jokingly calls it Social “In-Security,” but it’s the main income for most people. Is Social Security going away? Also, burnout can happen to us even when we’re doing our dream job. How do you re-ignite your love and become excited again after going through the motions?


The 5-Part Financial Plan Checklist: http://leavenormalbehind.life/


Check out Kimbra’s Substack article: https://kimbra.substack.com/p/to-no-applause

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://bereketkelile.com/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No What if the whole systems crashes? 16 16 What if the whole systems crashes? full 86220b4d-766f-4a25-8180-deb6c5894092 https://share.transistor.fm/s/d6340f78 When it seems like the system is about to collapse and the markets are going to crash, do you pull your money out? I walk through how I have those conversations with my clients and how we come up with a plan for what to do next--if it's nothing. You'll also hear my tips for taking on a big, hairy, audacious goal with confidence and consistent action.
-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://daveramseyadvisor.com/

]]> When it seems like the system is about to collapse and the markets are going to crash, do you pull your money out? I walk through how I have those conversations with my clients and how we come up with a plan for what to do next--if it's nothing. You'll also hear my tips for taking on a big, hairy, audacious goal with confidence and consistent action.
-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://daveramseyadvisor.com/

]]> Thu, 22 Aug 2024 08:02:15 -0700 Bereket Kelile Bereket Kelile 1015 When it seems like the system is about to collapse and the markets are going to crash, do you pull your money out? I walk through how I have those conversations with my clients and how we come up with a plan for what to do next--if it's nothing. You'll also hear my tips for taking on a big, hairy, audacious goal with confidence and consistent action.
-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: https://daveramseyadvisor.com/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Still chasing the “big number” 15 15 Still chasing the “big number” full 2a93e5e0-e172-458b-9004-fe9656ba8378 https://share.transistor.fm/s/7a39c4f8 Most people want to retire comfortably, so I get why they focus on the “magic” retirement number they need to hit. But that approach is going to do you more harm than good. Fortunately, there’s a better way to plan: where the numbers serve YOU, not the other way around. You get lots of do-overs IN life, but no do-overs OF life. You worked too hard not to enjoy the retirement of your dreams.

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> Most people want to retire comfortably, so I get why they focus on the “magic” retirement number they need to hit. But that approach is going to do you more harm than good. Fortunately, there’s a better way to plan: where the numbers serve YOU, not the other way around. You get lots of do-overs IN life, but no do-overs OF life. You worked too hard not to enjoy the retirement of your dreams.

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> Wed, 24 Jul 2024 08:54:25 -0700 Bereket Kelile Bereket Kelile 554 Most people want to retire comfortably, so I get why they focus on the “magic” retirement number they need to hit. But that approach is going to do you more harm than good. Fortunately, there’s a better way to plan: where the numbers serve YOU, not the other way around. You get lots of do-overs IN life, but no do-overs OF life. You worked too hard not to enjoy the retirement of your dreams.

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Retirement Fluency 14 14 Retirement Fluency full 5926d372-8063-4e49-8802-ce453d268e07 https://share.transistor.fm/s/afc847da We fear what we do not understand. According to new research, the more you know about retirement, the more confident you will be about your future plans.

Learn more about this new concept called retirement fluency and how you can increase your fluency level.

]]> We fear what we do not understand. According to new research, the more you know about retirement, the more confident you will be about your future plans.

Learn more about this new concept called retirement fluency and how you can increase your fluency level.

]]> Tue, 16 Jul 2024 08:40:23 -0700 Bereket Kelile Bereket Kelile 941 We fear what we do not understand. According to new research, the more you know about retirement, the more confident you will be about your future plans.

Learn more about this new concept called retirement fluency and how you can increase your fluency level.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Is buying a rental property a good idea? 13 13 Is buying a rental property a good idea? full 5c1e7ea1-d32e-43f3-8f35-8220bb6703c1 https://share.transistor.fm/s/5ddaab21 With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> Wed, 29 May 2024 09:22:07 -0700 Bereket Kelile Bereket Kelile 851 With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Is real estate investing a good idea? 12 12 Is real estate investing a good idea? full 5cb5cd9a-e082-4d45-96f2-1d7220648919 https://share.transistor.fm/s/3cbc34fa With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> Fri, 03 May 2024 09:54:56 -0700 Bereket Kelile Bereket Kelile 715 With apps like Vrbo and Airbnb, the opportunities in real estate have never been better. Imagine getting passive income from rental properties, which themselves are growing in value. Is this right investment strategy for you? How can this help or hurt your progress towards retirement? You’ll hear the questions I ask people who are considering buying rental properties as well as those near-retirees who are deciding what to do with their real estate portfolio. 

-

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

Check out the resources I created for you: http://leavenormalbehind.life/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No 5 Most Common Regrets in Retirement 11 11 5 Most Common Regrets in Retirement full c8da8efd-d301-4f6a-9c83-3862954faa5a https://share.transistor.fm/s/e602eddc What better advice is there than what you can learn from someone who has been there and done that. A recent survey reveals the regrets and mistakes shared by currently retired people. You'll get a clear reminder on what you need to make a priority today so you don't have your own regrets tomorrow.

Medicare FAQ survey: https://www.medicarefaq.com/blog/retirement-regrets-of-seniors/#2

---

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.


Check out the resources I created for you: http://leavenormalbehind.life/

]]> What better advice is there than what you can learn from someone who has been there and done that. A recent survey reveals the regrets and mistakes shared by currently retired people. You'll get a clear reminder on what you need to make a priority today so you don't have your own regrets tomorrow.

Medicare FAQ survey: https://www.medicarefaq.com/blog/retirement-regrets-of-seniors/#2

---

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.


Check out the resources I created for you: http://leavenormalbehind.life/

]]> Wed, 24 Apr 2024 11:15:47 -0700 Bereket Kelile Bereket Kelile 860 What better advice is there than what you can learn from someone who has been there and done that. A recent survey reveals the regrets and mistakes shared by currently retired people. You'll get a clear reminder on what you need to make a priority today so you don't have your own regrets tomorrow.

Medicare FAQ survey: https://www.medicarefaq.com/blog/retirement-regrets-of-seniors/#2

---

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.


Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.


Check out the resources I created for you: http://leavenormalbehind.life/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Traditional or Roth for your 401k? 10 10 Traditional or Roth for your 401k? full 9fc1805b-1c61-499c-a7d2-3dac93d9dac3 https://share.transistor.fm/s/340d4b49 You’ve seen the Traditional and Roth contribution options in your 401k, but how do you know which one is right for you? Learn about the pro's and con's with each and the factors to consider when making the right decision for you.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> You’ve seen the Traditional and Roth contribution options in your 401k, but how do you know which one is right for you? Learn about the pro's and con's with each and the factors to consider when making the right decision for you.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> Mon, 08 Apr 2024 11:16:26 -0700 Bereket Kelile Bereket Kelile 730 You’ve seen the Traditional and Roth contribution options in your 401k, but how do you know which one is right for you? Learn about the pro's and con's with each and the factors to consider when making the right decision for you.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.


People worry most about whether they have enough money to retire and whether it'll last through their retirement.


It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minute assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No 3 Retirement Numbers You Can't Ignore 9 9 3 Retirement Numbers You Can't Ignore full 71ad8661-0dbf-4e57-8301-039662d08be5 https://share.transistor.fm/s/69917f59 As retirement approaches, I hear from Ramsey listeners who wonder if they're ready, financially, to retire. Where do you start? I'm going to explain 3 key numbers you need to know that will help you put together your roadmap to retirement.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> As retirement approaches, I hear from Ramsey listeners who wonder if they're ready, financially, to retire. Where do you start? I'm going to explain 3 key numbers you need to know that will help you put together your roadmap to retirement.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> Mon, 01 Apr 2024 08:11:45 -0700 Bereket Kelile Bereket Kelile 507 As retirement approaches, I hear from Ramsey listeners who wonder if they're ready, financially, to retire. Where do you start? I'm going to explain 3 key numbers you need to know that will help you put together your roadmap to retirement.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms.

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call


My Substack page: https://babystepstoretirement.substack.com/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Boost your Social Security income by 70% 8 8 Boost your Social Security income by 70% full 4603c69f-3504-4a25-9748-10084b0321cc https://share.transistor.fm/s/8c9115c3 Deciding when to take Social Security is one of your most important retirement planning decisions. You only get one chance to decide, and you could be leaving hundreds of thousands of dollars on the table if do it wrong.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms. 

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call

My Substack page: https://babystepstoretirement.substack.com/

]]> Deciding when to take Social Security is one of your most important retirement planning decisions. You only get one chance to decide, and you could be leaving hundreds of thousands of dollars on the table if do it wrong.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms. 

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call

My Substack page: https://babystepstoretirement.substack.com/

]]> Fri, 08 Mar 2024 14:24:18 -0800 Bereket Kelile Bereket Kelile 445 Deciding when to take Social Security is one of your most important retirement planning decisions. You only get one chance to decide, and you could be leaving hundreds of thousands of dollars on the table if do it wrong.

--

Are you a Dave Ramsey listener with questions about investing? You might be ready to retire but don't know where to start. I specialize in helping people create a personalized game plan to spend more money, pay less taxes, and enjoy retirement on their terms. 

People worry most about whether they have enough money to retire and whether it'll last through their retirement.

It doesn't have to be a problem you ignore because you can't find the answers.

Instead, take my 10-minutes assessment and book a 1-hour call where I'll show you what steps you need to take next.

https://calendly.com/bereketkelile/retirement-assessment-strategy-call

My Substack page: https://babystepstoretirement.substack.com/

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Can you retire with only $50,000? 7 7 Can you retire with only $50,000? full 1d19cc96-c272-4e4c-ab38-22aefa133f4f https://share.transistor.fm/s/db30b581 When is it too late? Retirement planning is about more than one magic number. You'll hear the 3 key numbers you need to see if you're on track for retirement.

]]> When is it too late? Retirement planning is about more than one magic number. You'll hear the 3 key numbers you need to see if you're on track for retirement.

]]> Mon, 12 Feb 2024 15:55:54 -0800 Bereket Kelile Bereket Kelile 551 When is it too late? Retirement planning is about more than one magic number. You'll hear the 3 key numbers you need to see if you're on track for retirement.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No 5 Easily Avoidable Retirement Mistakes 6 6 5 Easily Avoidable Retirement Mistakes full 7e7b97e7-35a6-4b3d-8a4d-e3e47237da66 https://share.transistor.fm/s/a1c21f2e Imagine you're on the verge of retirement, looking forward to spending time doing what you love. You've worked hard, managed your money wisely, and are ready to bid farewell to the daily grind. But there are a few potential traps that could cost you not just in dollars but in the very essence of your post-career life?

]]> Imagine you're on the verge of retirement, looking forward to spending time doing what you love. You've worked hard, managed your money wisely, and are ready to bid farewell to the daily grind. But there are a few potential traps that could cost you not just in dollars but in the very essence of your post-career life?

]]> Mon, 05 Feb 2024 11:18:47 -0800 Bereket Kelile Bereket Kelile 682 Imagine you're on the verge of retirement, looking forward to spending time doing what you love. You've worked hard, managed your money wisely, and are ready to bid farewell to the daily grind. But there are a few potential traps that could cost you not just in dollars but in the very essence of your post-career life?

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Pay off the mortgage with your nest egg? 5 5 Pay off the mortgage with your nest egg? full 78cf819c-e731-4cea-9af0-c93c2011cf39 https://share.transistor.fm/s/bc68e1d5 You don't want a mortgage in retirement, but will you have enough leftover if you drain your investments? I'll walk you through a simple process to determine if it's the right decision for you. To do that, we need some key numbers and the right questions to ask. Hear a real-life example that may be similar to your situation. With these tools, you'll create a plan to pay off the mortgage and still have the income you need for retirement.

]]> You don't want a mortgage in retirement, but will you have enough leftover if you drain your investments? I'll walk you through a simple process to determine if it's the right decision for you. To do that, we need some key numbers and the right questions to ask. Hear a real-life example that may be similar to your situation. With these tools, you'll create a plan to pay off the mortgage and still have the income you need for retirement.

]]> Mon, 22 Jan 2024 09:56:53 -0800 Bereket Kelile Bereket Kelile 415 You don't want a mortgage in retirement, but will you have enough leftover if you drain your investments? I'll walk you through a simple process to determine if it's the right decision for you. To do that, we need some key numbers and the right questions to ask. Hear a real-life example that may be similar to your situation. With these tools, you'll create a plan to pay off the mortgage and still have the income you need for retirement.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No 2024 - Your Best Chance of Success 4 4 2024 - Your Best Chance of Success full 4c067dcc-f265-4fa5-860e-2bd92b157800 https://share.transistor.fm/s/040e9ec2 Questions are powerful--and they can change everything. I'll walk you through a journal guide I use to review the past year and plan for a powerful year to come. These questions have helped me make achieving my dreams possible and I know it will bless you too.

]]> Questions are powerful--and they can change everything. I'll walk you through a journal guide I use to review the past year and plan for a powerful year to come. These questions have helped me make achieving my dreams possible and I know it will bless you too.

]]> Fri, 05 Jan 2024 16:27:57 -0800 Bereket Kelile Bereket Kelile 481 Questions are powerful--and they can change everything. I'll walk you through a journal guide I use to review the past year and plan for a powerful year to come. These questions have helped me make achieving my dreams possible and I know it will bless you too.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Your 5-step financial checklist before buying a home? 3 3 Your 5-step financial checklist before buying a home? full c3beb93c-8b24-4e30-acb2-bbab9e7f02a6 https://share.transistor.fm/s/5c4e8c82 You don't have to wait for mortgage rates to fall before buying a house. I'll share 5 things you can do to prepare financially. 

]]> You don't have to wait for mortgage rates to fall before buying a house. I'll share 5 things you can do to prepare financially. 

]]> Tue, 19 Dec 2023 10:21:10 -0800 Bereket Kelile Bereket Kelile 536 You don't have to wait for mortgage rates to fall before buying a house. I'll share 5 things you can do to prepare financially. 

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Record number of 401k millionaires in 2023 2 2 Record number of 401k millionaires in 2023 full 6116ea45-8515-470f-8c02-1260bfc48fe5 https://share.transistor.fm/s/b96ad0eb 401k millionaires are those who reach $1 million in their account. Why are there more now than ever? You'll also hear 6 things to do if you want to hit the $1 million threshold in your retirement accounts.

]]> 401k millionaires are those who reach $1 million in their account. Why are there more now than ever? You'll also hear 6 things to do if you want to hit the $1 million threshold in your retirement accounts.

]]> Sat, 02 Dec 2023 19:54:34 -0800 Bereket Kelile Bereket Kelile 746 401k millionaires are those who reach $1 million in their account. Why are there more now than ever? You'll also hear 6 things to do if you want to hit the $1 million threshold in your retirement accounts.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No Money Roadmap: Your 5-Point Retirement Plan Checklist 1 1 Money Roadmap: Your 5-Point Retirement Plan Checklist full 0d40e7a7-dfd0-401f-8318-2c5a89f83242 https://share.transistor.fm/s/151db436 One of the myths people believe about financial advisors is that you need to be uber wealthy. I'm going to share a simple framework for managing your money that is used by the wealthy but can benefit you as well.

]]> One of the myths people believe about financial advisors is that you need to be uber wealthy. I'm going to share a simple framework for managing your money that is used by the wealthy but can benefit you as well.

]]> Tue, 21 Nov 2023 12:20:13 -0800 Bereket Kelile Bereket Kelile 857 One of the myths people believe about financial advisors is that you need to be uber wealthy. I'm going to share a simple framework for managing your money that is used by the wealthy but can benefit you as well.

]]> retirement, personal finance, money, dave ramsey, investing, financial planning, baby steps, smartvestor pro No