Retire With Style
The purpose of Retire With Style is to help you discover the retirement income plan that is right for you. The first step is to discover your retirement income personality. Your hosts Wade Pfau, PhD, CFA, RICP and Alex Murguia, PhD walk you through creating and implementing a retirement plan that will help you reach your goals, and that you’ll be able to stick with.
Start by going to risaprofile.com/style and sign up to take the industry’s first financial personality tool for retirement planning.
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Episodes
Tuesday Jan 27, 2026
Tuesday Jan 27, 2026
In this conversation, Wade discusses the essential financial goals of retirement, encapsulated in the concept of the four L's: longevity, lifestyle, legacy, and liquidity. He emphasizes the importance of assessing financial preparedness through the funded ratio, which compares assets to liabilities. The discussion also covers safe withdrawal rates, suggesting a rate of 4.5% based on the funded ratio approach. Finally, Wade highlights the significance of implementing variable spending strategies to enhance retirement enjoyment and financial security.
Takeaways
The four L's of retirement are longevity, lifestyle, legacy, and liquidity.
Longevity refers to essential expenses that must be covered regardless of lifespan.
Lifestyle expenses are discretionary and enhance quality of life in retirement.
Legacy goals involve what one wishes to leave for the next generation.
Liquidity is crucial for managing unexpected expenses in retirement.
The funded ratio helps assess financial preparedness for retirement.
A funded ratio of 100% or higher indicates being on track for retirement.
The safe withdrawal rate based on the funded ratio is 4.5%.
Variable spending strategies can allow for higher initial withdrawal rates.
The funded ratio approach provides more confidence in spending during retirement.
Chapters
00:00 The Four L's of Retirement Goals06:57 Assessing Financial Preparedness for Retirement16:27 Understanding Monte Carlo Simulations in Retirement Planning19:52 The Safe Withdrawal Rate: A Critical Discussion24:02 Variable Spending Strategies in Retirement28:05 The Impact of Taxes and Time Horizon on Withdrawal Rates
Links
📘 New Release: The Retirement Planning Guidebook (3rd Edition)Wade Pfau’s must-read Retirement Planning Guidebook just got even better. The 3rd Edition is now available and packed with the latest updates to help you design your retirement strategy with confidence. Grab your copy on Amazon or your favorite book retailer: https://books2read.com/Retirement
📅 Upcoming Webinar: Tax Planning for Retirement in 2026Join Wade Pfau live for a free Retirement Researcher webinar on Wednesday, January 28 at 1PM ET. He’ll walk through what proactive tax planning should look like before the 2026 tax changes kick in. Reserve your spot now at retirewithstyle.com/podcast📣 Want a heads up for the next Retirement Income Challenge?Join the waitlist and be the first to know when registration opens for this FREE 4-day event hosted by Retirement Researcher. Visit retirewithstyle.com/RIC to learn more and save your spot.📊 Curious about your Funded Ratio?Retirement Researcher Academy members get exclusive access to tools like the Funded Ratio Analysis to help guide their retirement planning. Learn more about joining at retirewithstyle.com/academy.
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Audio Quality Notice:Please note that this episode contains some technical audio issues affecting portions of the recording. While we’ve made every effort to improve the sound quality, some disruptions may remain. For clarity, full transcripts and closed captions are available and linked here for your reference.
Wednesday Jan 21, 2026
Wednesday Jan 21, 2026
Audio Quality Notice:Please note that this episode contains some technical audio issues affecting portions of the recording. While we’ve made every effort to improve the sound quality, some disruptions may remain. For clarity, full transcripts and closed captions are available and linked here for your reference. https://retirewithstyle.com/wp-content/uploads/2026/01/Episode-212-There-Is-No-Best-Retirement-Plan-How-to-Choose-What-Actually-Works.pdf
In this episode of Retire With Style, Alex and Wade kick off a new arc focused on the fully revised Third Edition of the Retirement Planning Guidebook. The conversation walks through the foundational ideas behind the book, beginning with retirement income styles and why there is no single “best” strategy for everyone. Wade explains the importance of aligning retirement income decisions with personal preferences, comfort with risk, and behavioral realities rather than forcing a one-size-fits-all approach. The discussion then expands into efficiency-focused retirement planning, highlighting practical ways retirees can improve outcomes through Social Security claiming decisions, tax planning, and organization for incapacity and estate planning. The episode concludes with a framework for understanding the three major risks retirees face: longevity risk, market risk, and spending shocks, as well as why planning becomes especially critical during the transition into retirement.
Takeaways
Retirement income planning does not have a single correct answer; multiple viable strategies exist, and the best choice depends on personal preferences and behavior.
Understanding your retirement income style helps prioritize which strategies, tools, and chapters of the planning process deserve the most focus.
Retirement efficiency means getting more after-tax spending power or legacy from the same set of assets, often by making better decisions rather than taking more risk.
Social Security claiming decisions remain one of the most impactful and accessible efficiency opportunities for many retirees.
Strategic tax planning, including Roth conversions, can create immediate and long-term benefits without requiring market forecasts.
Organizing documents for incapacity and estate planning is a major but often overlooked source of efficiency with both financial and psychological benefits.
Retirees face three primary categories of risk: longevity risk, market risk amplified by withdrawals, and unpredictable spending shocks.
The years leading up to and immediately following retirement are a fragile transition period where early planning creates significantly more flexibility and better outcomes.
Chapters
00:00 – Retirement Planning Guidebook Series Introduction05:35 – What’s New in the Fully Revised 3rd Edition06:36 – Why Retirement Income Styles Come First08:11 – Is There a “Best” Retirement Income Strategy?10:33 – Investing vs. Annuities: Where Each Fits11:18 – Addressing Bias in Retirement Planning Advice14:29 – Getting a Second Opinion on Retirement Strategies17:14 – Risk Premium vs. Risk Pooling Explained19:22 – What Retirement Planning Efficiency Really Means21:32 – Social Security Claiming as a Planning Lever23:22 – Roth Conversions and Tax Planning in Retirement24:57 – Estate and Incapacity Planning Mistakes to Avoid26:45 – The 3 Biggest Risks in Retirement29:22 – Why Retirement Risk Is Different Than Accumulation31:41 – The Fragile Retirement Transition Period33:20 – Why Planning Early Improves Retirement Outcomes
Links
📘 New Release: The Retirement Planning Guidebook (3rd Edition)Wade Pfau’s must-read Retirement Planning Guidebook just got even better. The 3rd Edition is now available and packed with the latest updates to help you design your retirement strategy with confidence. Grab your copy on Amazon or your favorite book retailer: https://books2read.com/Retirement
📅 Upcoming Webinar: Tax Planning for Retirement in 2026Join Wade Pfau live for a free Retirement Researcher webinar on Wednesday, January 28 at 1PM ET. He’ll walk through what proactive tax planning should look like before the 2026 tax changes kick in. Reserve your spot now at retirewithstyle.com/podcast
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
Tuesday Jan 13, 2026
Tuesday Jan 13, 2026
In this episode of Retire with Style, Wade Pfau and Alex Murguia break down key concepts in retirement income planning, including present value, discount rates, and internal rates of return. They explain how these tools apply to real-world decisions such as Social Security claiming and choosing between a pension and a lump sum. The conversation highlights the importance of understanding cash flows and using sound mathematical analysis to inform decisions, while still accounting for personal preferences and risk. Listen now to learn more!
Takeaways
Present value and breakeven analysis are crucial for financial planning.
Understanding discount rates helps evaluate future cash flows.
Internal rate of return is essential for comparing investment options.
Financial decisions often boil down to present value calculations.
Social security optimization relies on present value analysis.
Pension versus lump sum decisions require careful discount rate consideration.
Cash flow evaluation is key in retirement planning.
Investment decisions should factor in opportunity costs.
The relationship between interest rates and present value is significant.
Financial planning is both a mathematical and an artful process.
Chapters
00:00 Introduction to Retirement Income Planning03:49 Understanding Present Value and Discount Rates06:40 Evaluating Cash Flows and Internal Rate of Return09:32 Applications in Financial Planning12:46 The Impact of Interest Rates on Valuation15:30 Real-Life Financial Decisions and Break-Even Analysis18:53 Social Security and Pension Decisions22:05 The Funded Ratio Tool and Its Importance
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Tuesday Jan 06, 2026
Tuesday Jan 06, 2026
In this episode of Retire with Style, Alex and Wade break down the key tax changes coming in 2026, including the return of standard ACA subsidies, the extension of current tax rates, and updates to standard deductions. They cover inflation-related adjustments, itemized deductions, charitable giving rules, estate tax exemptions, and what the alternative minimum tax means for retirees. The conversation also explores the new Trump accounts launching in July 2026 and wraps up with a lighthearted discussion on New Year’s resolutions. Listen now to learn more!
Takeaways
The ACA subsidies are reverting to pre-2021 levels in 2026.
Tax rates remain unchanged from previous years, providing stability.
Standard deductions continue to be higher, affecting itemization rates.
Inflation adjustments will impact the thresholds for tax brackets.
Charitable contributions now have a deduction floor based on AGI.
Estate tax exemptions are increasing significantly for 2026.
The alternative minimum tax may affect more high-income earners.
529 plans have expanded eligible expenses for education.
Trump accounts will allow contributions for minors starting in July 2026.
New Year's resolutions can be a time for reflection and planning.
Chapters
00:00 Welcome to 2026: New Beginnings02:13 Affordable Care Act Changes07:25 Tax Rates and Standard Deductions09:16 Inflation Adjustments and Tax Planning11:34 Itemized Deductions and Charitable Contributions20:32 Estate Tax Exemptions and Business Income24:44 Alternative Minimum Tax and 529 Plans28:19 Trump Accounts and Future Planning29:42 New Year Reflections and Resolutions
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
Tuesday Dec 30, 2025
Tuesday Dec 30, 2025
As we close out 2025 and head into the New Year, we’re sharing one final Best of episode before returning with new conversations in January. This week’s replay is Alex’s top pick from the year, a conversation that stood out for its relevance, insight, and the questions it generated from listeners.
We’ll be back soon with brand new episodes in 2026. Until then, Happy New Year, and thank you for being part of the Retire With Style community!
Repost from Episode 174
In this episode of Retire with Style, Wade Pfau and Alex Murguia sit down with Dr. Daniel Crosby, a leading voice in behavioral finance, to unpack the psychological side of investing in today’s volatile markets. Together, they examine how market swings and media noise shape investor behavior—and why having a thoughtful media diet and disciplined decision-making framework is more important than ever. This conversation lays the foundation for next week’s episode, where the discussion will shift toward deeper questions of wealth and meaning. Listen now to learn more!
Takeaways
Market volatility can trigger anxiety—even among professionals.
It’s normal to feel fear during downturns, but those emotions don’t have to drive your decisions.
Limiting exposure to financial news may help you stay focused and make better choices.
Recognizing the incentives behind financial media can help you consume it more critically.
More information isn’t always better—clarity often comes from less, not more.
Patience matters. Reminding yourself that “this too shall pass” can be grounding.
Uncertainty often causes more stress than bad news itself.
Taking time to reflect before acting can lead to better financial outcomes.
We tend to give others better advice than we give ourselves—pause and consider what you’d tell a friend.
Automation and structured plans are powerful tools to reduce emotional decision-making.
Chapters
00:00 Introduction to Behavioral Finance and Market Volatility02:56 Understanding Market Reactions and Investor Psychology06:01 The Impact of Media on Financial Decision Making08:47 Navigating Uncertainty in Financial Markets12:05 The Importance of Patience and Discipline in Investing15:03 Frameworks for Better Financial Decision Making17:55 Conclusion and Transition to The Soul of Wealth
Links
Click here to watch this episode on YouTube: https://youtu.be/6pMFE_-u0YM
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Tuesday Dec 23, 2025
Tuesday Dec 23, 2025
As the year comes to a close, we’re taking a moment to revisit a few of our favorite Retire With Style episodes from 2025. This week, we’re replaying one episode that stood out in particular as Wade’s favorite conversation of the year, based on both the discussion and the questions it sparked from listeners.
We’ll be back with brand new episodes after the holiday break. Thanks for listening this year, and we look forward to continuing the conversation in 2026.
Repost from Episode 195
In this episode of Retire with Style, Wade Pfau and Alex Murguia talk with William Bengen, pioneer of the 4% rule in retirement planning. They explore the rule’s evolution, how inflation and market valuations shape sustainable withdrawals, and Bengen’s current recommendations. The discussion highlights the role of asset allocation, the importance of withdrawal strategies, and why ongoing monitoring is essential for a secure retirement.
Takeaways
William Bengen modernized retirement income planning with the 4% rule.
Inflation is a critical factor in determining sustainable withdrawal rates.
Market volatility can significantly impact retirement portfolios.
A comprehensive withdrawal plan should consider multiple factors.
Current recommendations suggest a withdrawal rate of around 5.5%.
Asset allocation plays a vital role in retirement planning.
Investors should consider a rising equity glide path strategy.
Regular monitoring and adjustments to retirement plans are essential.
High inflation can permanently elevate withdrawal amounts.
The 4% rule is not a one-size-fits-all solution.
Chapters
00:00 Introduction to Retirement Income Planning
01:14 The Birth of the 4% Rule
03:03 Understanding Withdrawal Rates
09:15 The Impact of Inflation on Withdrawals
12:45 Market Valuation and Its Effects
18:07 Current Withdrawal Rate Recommendations
21:10 Asset Allocation Strategies
24:04 Free Lunches in Investment Strategies
27:34 Key Takeaways from A Richer Retirement
31:15 Future Research Directions
Links
Get Bill Bengen’s New Book – A Richer RetirementWant to dive deeper into the research behind the 4% rule and how retirement income planning has evolved?Bill Bengen’s new book, A Richer Retirement, is now available—visit bengenfs.com to learn more and get your copy.
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Tuesday Dec 16, 2025
Tuesday Dec 16, 2025
In this episode of Retire with Style, Wade Pfau and Alex Murguia explore how Treasury Inflation Protected Securities, or TIPS, fit into a retirement income plan. They discuss when it may make sense to build a TIPS ladder, the challenge of predicting interest rates, and how TIPS compare with equities as tools for managing inflation risk. The conversation also addresses strategies for creating inflation-adjusted income, the role TIPS can play alongside Social Security, and how a TIPS ladder can support a Social Security delay bridge. Listen now to learn more.
Takeaways
TIPS are designed to protect against inflation in retirement.
Timing is crucial when building a TIPS ladder for retirement income.
Interest rates are unpredictable, making TIPS a safer choice now.
Equities can provide growth but lack the guaranteed inflation protection of TIPS.
Delaying Social Security can enhance retirement income security.
Bond funds may not be the best option for retirement income planning.
TIPS can help mitigate sequence of returns risk in retirement portfolios.
A blend of TIPS and equities can optimize retirement income strategies.
Interest rate risk is a significant factor when considering long-term bonds.
Effective financial planning involves understanding the role of TIPS in a diversified portfolio.
Chapters
00:00 Introduction to TIPS and Retirement Planning02:44 Building a TIPS Ladder: Timing and Strategy06:06 Understanding Interest Rates and TIPS08:53 TIPS vs. Equities: Inflation Protection and Growth11:46 Creating Inflation-Adjusted Income Streams15:05 The Role of TIPS in Retirement Income17:55 Bond Funds vs. TIPS: A Comparative Analysis21:13 Social Security Delay Bridge and TIPS24:00 Current TIPS Market and Yield Considerations27:00 Final Thoughts and Holiday Wishes
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Tuesday Dec 09, 2025
Tuesday Dec 09, 2025
In this episode of Retire With Style, Alex Murguia and Wade Pfau explore core themes in retirement planning, including the 4 percent rule, sequence of returns risk, and how to balance discretionary and essential spending. They discuss how these factors shape retirement income strategies, the role of reliable income sources, and when a rising equity glide path can be beneficial. The conversation highlights why retirees may need a more flexible and adaptive approach rather than relying on traditional rules of thumb.
Takeaways
The 4% rule is not a constant and can vary based on market conditions.
Sequence of return risk is a real concern but may be overstated for average investors.
Discretionary spending in retirement should be carefully planned to avoid future regrets.
Variable spending strategies can help manage sequence risk effectively.
Reliable income sources are crucial for covering essential expenses in retirement.
Investors should consider the implications of longevity risk on their withdrawal strategies.
The rising equity glide path can be a useful strategy for managing investment risk in retirement.
Dividend income should not be the sole focus for retirement income planning.
The retirement planning community often relies on outdated paradigms that may not serve current needs.
Education on retirement income strategies should start early, even in high school.
Chapters
00:00 Introduction to Retirement Planning Themes
06:11 Understanding the 4% Rule and Withdrawal Strategies
12:03 Exploring Sequence of Return Risk
17:59 Discretionary vs. Essential Spending in Retirement
24:13 The Role of Dividend Income in Retirement
30:06 Rising Equity Glide Path Strategies
36:04 The Shift from Traditional Drawdown Paradigms
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
Tuesday Dec 02, 2025
Tuesday Dec 02, 2025
In this episode of Retire With Style, Alex and Wade answer listener questions on key retirement planning topics. They discuss penalty-free withdrawals from 401(k)s, the role of Roth conversions for both younger savers and retirees, and the distinctions between qualified and non-qualified accounts. They also examine how long-term demographic trends may influence market expectations and investment strategies in the decades ahead.
Takeaways
The rule of 55 allows penalty-free withdrawals from 401(k) plans if employment is terminated after age 55.
Roth conversions should be considered based on current and future tax rates.
It's important to fill your standard deduction to minimize tax liabilities.
The after-tax safe withdrawal rate differs between account types due to ongoing taxes.
Demographic trends are known and factored into market pricing over time.
Diversification across asset classes remains a key strategy for long-term investment success.
Understanding the implications of RMDs is crucial for tax planning in retirement.
Financial planning software can help manage taxes and withdrawals effectively.
Chapters
00:00 Introduction and Overview03:01 Understanding the Rule of 5510:56 Roth Conversions: Strategies and Timing21:34 Tax Implications of Withdrawals25:26 Demographic Trends and Market Predictions
Links
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean’s free eBook, “Retirement Income Planning”
Tuesday Nov 25, 2025
Tuesday Nov 25, 2025
In this episode of Retire With Style, Wade Pfau and Alex Murguia talk with Beth Pinsker, author of My Mother’s Money, about the practical and emotional realities of financial caregiving and estate settlement. They discuss why clear documentation matters, how probate works, and where family disputes over inheritance often begin. The conversation also covers the roles of wills, trusts, and beneficiary designations, along with the emotional weight that comes with managing a loved one’s affairs. Beth shares personal insights that highlight the value of proactive planning and open communication to help families avoid conflict and ensure a smoother transition of assets.
Takeaways
30% of people have any sort of documents in place for estate planning.
Family disputes often arise over inheritance and asset distribution.
Blended families require careful planning to avoid conflicts.
Trusts can provide better protection for all parties involved.
Beneficiary designations are crucial to avoid probate complications.
Wills serve as power of attorney after death, but trusts offer more control.
Proper estate planning can ease the emotional burden on families.
Communication about inheritance wishes can prevent family discord.
Digital assets should also be included in estate planning.
Emotional challenges in settling property can be significant.
Chapters
00:00 Introduction to Estate Planning and Legacy01:53 Understanding Estate Planning and Its Importance06:35 Family Disputes and the Role of Executors08:58 Common Sources of Family Disagreements13:39 Wills vs. Trusts: Key Differences Explained20:33 The Importance of Beneficiary Designations27:52 Navigating Property Settlements and Emotional Challenges34:16 Final Thoughts on Financial Caregiving and Legacy Planning
Links
Find links to order Beth Pinkser’s book, “My Mother’s Money,” at www.bethpinsker.com
Explore the New RetireWithStyle.com! We’ve launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there’s something you’ve been wondering about retirement, we want to hear it!
The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips