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    <channel>
        <title>
            <![CDATA[Dolphin Financial Radio]]>
        </title>
        <link>http://www.dolphinfinancialgroup.com</link>
        <description>
            <![CDATA[Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.]]>
        </description>
        <image>
            <url>https://financially-tuned.s3.us-east-2.amazonaws.com/public/DFGCoverArt.jpg</url>
            <title>
                <![CDATA[Dolphin Financial Radio]]>
            </title>
            <link>http://www.dolphinfinancialgroup.com</link>
        </image>
        <language>en-us</language>
        
        
        <lastBuildDate>Thu, 17 Sep 2026 04:27:02 +0000</lastBuildDate>

        
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                    <itunes:author>
                <![CDATA[Daniel Wendol]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Daniel Wendol]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
        <itunes:image href="https://financially-tuned.s3.us-east-2.amazonaws.com/public/DFGCoverArt.jpg" />
        
        <itunes:category text="Business" />
        <itunes:explicit>no</itunes:explicit>

        
        <dc:creator>
            <![CDATA[Daniel Wendol]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[How Much Do You REALLY Need to Retire? Real Retirees With 250K &amp; 370K]]>
                </title>
                                <description>
                                            <![CDATA[How much money do you really need to retire? Is 1 million enough? Do you need 1.5 million? Or could you potentially retire comfortably with far less?

In this episode, Dan Wendol of Dolphin Financial Group challenges one of the most common retirement-planning assumptions: that everyone needs a massive seven-figure investment portfolio before they can afford to retire.

Rather than relying on generic retirement savings targets, Dan shares real-world examples of retirees who entered retirement with significantly less than the numbers commonly discussed in retirement surveys and financial headlines.]]>
                                    </description>
                <pubDate>Sat, 12 Sep 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-11093</guid>

                
                
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                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How much money do you really need to retire? Is 1 million enough? Do you need 1.5 million? Or could you potentially retire comfortably with far less?

In this episode, Dan Wendol of Dolphin Financial Group challenges one of the most common retirement-planning assumptions: that everyone needs a massive seven-figure investment portfolio before they can afford to retire.

Rather than relying on generic retirement savings targets, Dan shares real-world examples of retirees who entered retirement with significantly less than the numbers commonly discussed in retirement surveys and financial headlines.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 12 Sep 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How much money do you really need to retire? Is 1 million enough? Do you need 1.5 million? Or could you potentially retire comfortably with far less?

In this episode, Dan Wendol of Dolphin Financial Group challenges one of the most common retirement-planning assumptions: that everyone needs a massive seven-figure investment portfolio before they can afford to retire.

Rather than relying on generic retirement savings targets, Dan shares real-world examples of retirees who entered retirement with significantly less than the numbers commonly discussed in retirement surveys and financial headlines.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[He Retired at 61 — 12 Years Later, Here’s What He’d Tell You]]>
                </title>
                                <description>
                                            <![CDATA[What is retirement really like after more than a decade?

In this episode of Real Retirement Stories, we sit down with a Florida retiree who made the unexpected decision to leave a successful software career at age 61. Twelve years later, he says he hasn&#039;t regretted it.

He shares what pushed him to retire, why money wasn&#039;t his biggest concern, how he downsized from a large New Jersey home and moved to Florida, and what surprised him most about life after work.

We also talk about retirement spending, investing through market downturns, staying active, making friends, traveling, Roth IRAs and one financial planning decision he wishes he had understood earlier.]]>
                                    </description>
                <pubDate>Sat, 05 Sep 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-11059</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Zd47r1UV30tACrPi7qtw2IUHFpX3tc8xwMA2tGaX.mp3"  length="54755372"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What is retirement really like after more than a decade?

In this episode of Real Retirement Stories, we sit down with a Florida retiree who made the unexpected decision to leave a successful software career at age 61. Twelve years later, he says he hasn&#039;t regretted it.

He shares what pushed him to retire, why money wasn&#039;t his biggest concern, how he downsized from a large New Jersey home and moved to Florida, and what surprised him most about life after work.

We also talk about retirement spending, investing through market downturns, staying active, making friends, traveling, Roth IRAs and one financial planning decision he wishes he had understood earlier.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 05 Sep 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What is retirement really like after more than a decade?

In this episode of Real Retirement Stories, we sit down with a Florida retiree who made the unexpected decision to leave a successful software career at age 61. Twelve years later, he says he hasn&#039;t regretted it.

He shares what pushed him to retire, why money wasn&#039;t his biggest concern, how he downsized from a large New Jersey home and moved to Florida, and what surprised him most about life after work.

We also talk about retirement spending, investing through market downturns, staying active, making friends, traveling, Roth IRAs and one financial planning decision he wishes he had understood earlier.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Stay Busy in Retirement?]]>
                </title>
                                <description>
                                            <![CDATA[Should you really try to stay as busy as possible in retirement?

Retirees are often told to fill their calendars, volunteer, stay active, find a purpose, and constantly keep moving. But research from Finland and Sweden suggests there may be another side to that advice.

In this episode, Dan Wendol explores research examining what happens to life satisfaction as people transition into retirement. One of the most interesting findings isn&#039;t necessarily that retirement suddenly makes people dramatically happier. Instead, one of the biggest changes may be something much simpler: life feels easier.]]>
                                    </description>
                <pubDate>Sat, 29 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-11026</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YQdTbnrZplKnCpoVDLd7V1VhKL97CB4l73SFNph3.mp3"  length="32594520"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you really try to stay as busy as possible in retirement?

Retirees are often told to fill their calendars, volunteer, stay active, find a purpose, and constantly keep moving. But research from Finland and Sweden suggests there may be another side to that advice.

In this episode, Dan Wendol explores research examining what happens to life satisfaction as people transition into retirement. One of the most interesting findings isn&#039;t necessarily that retirement suddenly makes people dramatically happier. Instead, one of the biggest changes may be something much simpler: life feels easier.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 29 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you really try to stay as busy as possible in retirement?

Retirees are often told to fill their calendars, volunteer, stay active, find a purpose, and constantly keep moving. But research from Finland and Sweden suggests there may be another side to that advice.

In this episode, Dan Wendol explores research examining what happens to life satisfaction as people transition into retirement. One of the most interesting findings isn&#039;t necessarily that retirement suddenly makes people dramatically happier. Instead, one of the biggest changes may be something much simpler: life feels easier.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don’t Convert Your IRA to a Roth All at Once: 7 Reasons Why]]>
                </title>
                                <description>
                                            <![CDATA[Should you convert your entire traditional IRA or 401(k) to a Roth at once—or spread Roth conversions over several years?

In this episode, Dan Wendol of Dolphin Financial Group explains why a large one-time Roth conversion can create unintended tax consequences and why a strategic, multi-year Roth conversion plan may make more sense for many retirees and pre-retirees.

A Roth conversion can be a valuable retirement tax-planning strategy, but the amount you convert matters. A large conversion increases taxable income in the year of the conversion and could push some income into higher federal tax brackets. For retirees, it may also affect Medicare IRMAA surcharges, the taxation of Social Security benefits, and other income-based tax thresholds.

Dan walks through seven important factors to consider before converting a traditional IRA or 401(k) to a Roth.]]>
                                    </description>
                <pubDate>Sat, 22 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10986</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/NO9iqvf2ZzOIQr6VAMeKol8uHYYAE6AXw2NVrxvW.mp3"  length="37752858"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you convert your entire traditional IRA or 401(k) to a Roth at once—or spread Roth conversions over several years?

In this episode, Dan Wendol of Dolphin Financial Group explains why a large one-time Roth conversion can create unintended tax consequences and why a strategic, multi-year Roth conversion plan may make more sense for many retirees and pre-retirees.

A Roth conversion can be a valuable retirement tax-planning strategy, but the amount you convert matters. A large conversion increases taxable income in the year of the conversion and could push some income into higher federal tax brackets. For retirees, it may also affect Medicare IRMAA surcharges, the taxation of Social Security benefits, and other income-based tax thresholds.

Dan walks through seven important factors to consider before converting a traditional IRA or 401(k) to a Roth.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you convert your entire traditional IRA or 401(k) to a Roth at once—or spread Roth conversions over several years?

In this episode, Dan Wendol of Dolphin Financial Group explains why a large one-time Roth conversion can create unintended tax consequences and why a strategic, multi-year Roth conversion plan may make more sense for many retirees and pre-retirees.

A Roth conversion can be a valuable retirement tax-planning strategy, but the amount you convert matters. A large conversion increases taxable income in the year of the conversion and could push some income into higher federal tax brackets. For retirees, it may also affect Medicare IRMAA surcharges, the taxation of Social Security benefits, and other income-based tax thresholds.

Dan walks through seven important factors to consider before converting a traditional IRA or 401(k) to a Roth.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is Congress finally getting serious about fixing Social Security?]]>
                </title>
                                <description>
                                            <![CDATA[The Social Security funding problem has been discussed for decades, but the projected trust fund depletion date is getting closer. In this episode, Dan Wendol examines the PROMISE Act of 2026 and what this proposed legislation could mean for Social Security, retirees, and Americans who are currently planning for retirement.]]>
                                    </description>
                <pubDate>Sat, 15 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10956</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/dcAFeXIY02m9uaMCMrQCvGGx6EuHYkOYSOYLEVpq.mp3"  length="34836742"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Social Security funding problem has been discussed for decades, but the projected trust fund depletion date is getting closer. In this episode, Dan Wendol examines the PROMISE Act of 2026 and what this proposed legislation could mean for Social Security, retirees, and Americans who are currently planning for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Social Security funding problem has been discussed for decades, but the projected trust fund depletion date is getting closer. In this episode, Dan Wendol examines the PROMISE Act of 2026 and what this proposed legislation could mean for Social Security, retirees, and Americans who are currently planning for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Earnings Limit Explained]]>
                </title>
                                <description>
                                            <![CDATA[Thinking about claiming Social Security before your full retirement age while continuing to work?

Many retirees are surprised to learn about the Social Security earnings limit, also known as the Retirement Earnings Test. If you claim benefits early and continue earning wages, your monthly Social Security checks may be temporarily reduced—or even withheld.]]>
                                    </description>
                <pubDate>Sat, 08 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10906</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/90BDqI4iOofAGfIjb0twvRvELDEDo51FpMW8UQDr.mp3"  length="35403786"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Thinking about claiming Social Security before your full retirement age while continuing to work?

Many retirees are surprised to learn about the Social Security earnings limit, also known as the Retirement Earnings Test. If you claim benefits early and continue earning wages, your monthly Social Security checks may be temporarily reduced—or even withheld.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Thinking about claiming Social Security before your full retirement age while continuing to work?

Many retirees are surprised to learn about the Social Security earnings limit, also known as the Retirement Earnings Test. If you claim benefits early and continue earning wages, your monthly Social Security checks may be temporarily reduced—or even withheld.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Hidden Retirement Crisis Nobody Talks About (And How to Avoid It)]]>
                </title>
                                <description>
                                            <![CDATA[Retirement planning isn&#039;t just about saving enough money—it&#039;s also about creating a life you&#039;ll truly enjoy living.
In this episode, Dan discusses one of the most overlooked aspects of retirement: the disenchantment phase. After the excitement of retirement fades, many retirees experience boredom, loneliness, loss of identity, or a lack of purpose. These emotional challenges are far more common than many people realize, yet they&#039;re rarely discussed during retirement planning.
You&#039;ll learn why these feelings occur, how they can affect your physical and emotional well-being, and five practical strategies to help build a more meaningful retirement. Whether you&#039;re already retired or planning for retirement in the coming years, this conversation will help you prepare for more than just the financial side of retirement.]]>
                                    </description>
                <pubDate>Sat, 01 Aug 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10870</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/bQOIPC83U3WV6vZxk32mIC3jB8gAv6bKjrkcpf7N.mp3"  length="36676342"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement planning isn&#039;t just about saving enough money—it&#039;s also about creating a life you&#039;ll truly enjoy living.
In this episode, Dan discusses one of the most overlooked aspects of retirement: the disenchantment phase. After the excitement of retirement fades, many retirees experience boredom, loneliness, loss of identity, or a lack of purpose. These emotional challenges are far more common than many people realize, yet they&#039;re rarely discussed during retirement planning.
You&#039;ll learn why these feelings occur, how they can affect your physical and emotional well-being, and five practical strategies to help build a more meaningful retirement. Whether you&#039;re already retired or planning for retirement in the coming years, this conversation will help you prepare for more than just the financial side of retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Aug 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement planning isn&#039;t just about saving enough money—it&#039;s also about creating a life you&#039;ll truly enjoy living.
In this episode, Dan discusses one of the most overlooked aspects of retirement: the disenchantment phase. After the excitement of retirement fades, many retirees experience boredom, loneliness, loss of identity, or a lack of purpose. These emotional challenges are far more common than many people realize, yet they&#039;re rarely discussed during retirement planning.
You&#039;ll learn why these feelings occur, how they can affect your physical and emotional well-being, and five practical strategies to help build a more meaningful retirement. Whether you&#039;re already retired or planning for retirement in the coming years, this conversation will help you prepare for more than just the financial side of retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Trump Accounts Explained]]>
                </title>
                                <description>
                                            <![CDATA[The federal government has introduced Trump Accounts, a new retirement savings account designed specifically for children. But how do these new accounts work, who qualifies for the federal 1,000 contribution, and are they actually better than a Roth IRA, 529 plan, or UTMA account?

In this video, Dan explains the new Trump Accounts established under the 2026 legislation, including eligibility requirements, contribution limits, investment restrictions, tax treatment, and how they compare with other popular child savings strategies.

Whether you&#039;re a parent, grandparent, or simply planning ahead for your family&#039;s financial future, understanding these retirement savings options can help you make more informed decisions.]]>
                                    </description>
                <pubDate>Sat, 25 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10838</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/KK0sxHfbW9eRHozdseDCuzt7dHVeD4PIC3HiQrXW.mp3"  length="26795722"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The federal government has introduced Trump Accounts, a new retirement savings account designed specifically for children. But how do these new accounts work, who qualifies for the federal 1,000 contribution, and are they actually better than a Roth IRA, 529 plan, or UTMA account?

In this video, Dan explains the new Trump Accounts established under the 2026 legislation, including eligibility requirements, contribution limits, investment restrictions, tax treatment, and how they compare with other popular child savings strategies.

Whether you&#039;re a parent, grandparent, or simply planning ahead for your family&#039;s financial future, understanding these retirement savings options can help you make more informed decisions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The federal government has introduced Trump Accounts, a new retirement savings account designed specifically for children. But how do these new accounts work, who qualifies for the federal 1,000 contribution, and are they actually better than a Roth IRA, 529 plan, or UTMA account?

In this video, Dan explains the new Trump Accounts established under the 2026 legislation, including eligibility requirements, contribution limits, investment restrictions, tax treatment, and how they compare with other popular child savings strategies.

Whether you&#039;re a parent, grandparent, or simply planning ahead for your family&#039;s financial future, understanding these retirement savings options can help you make more informed decisions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Australia&#039;s Retirement System vs. Social Security: Could America Be Next?]]>
                </title>
                                <description>
                                            <![CDATA[Could the United States eventually adopt a retirement system similar to Australia&#039;s?

In this video, Dan explores how Australia&#039;s Superannuation system works, how it differs from Social Security, why it&#039;s receiving attention, and what Americans can learn from one of the world&#039;s highest-rated retirement systems.

You&#039;ll discover how Australia&#039;s mandatory retirement savings compare with Social Security, the advantages and disadvantages of each approach, and why building your own retirement savings may become even more important regardless of future government changes.]]>
                                    </description>
                <pubDate>Sat, 18 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10787</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2amakTpufZlLHhQhr17Rts0HLnCpUVRwGJm0sCAS.mp3"  length="38607438"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Could the United States eventually adopt a retirement system similar to Australia&#039;s?

In this video, Dan explores how Australia&#039;s Superannuation system works, how it differs from Social Security, why it&#039;s receiving attention, and what Americans can learn from one of the world&#039;s highest-rated retirement systems.

You&#039;ll discover how Australia&#039;s mandatory retirement savings compare with Social Security, the advantages and disadvantages of each approach, and why building your own retirement savings may become even more important regardless of future government changes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Could the United States eventually adopt a retirement system similar to Australia&#039;s?

In this video, Dan explores how Australia&#039;s Superannuation system works, how it differs from Social Security, why it&#039;s receiving attention, and what Americans can learn from one of the world&#039;s highest-rated retirement systems.

You&#039;ll discover how Australia&#039;s mandatory retirement savings compare with Social Security, the advantages and disadvantages of each approach, and why building your own retirement savings may become even more important regardless of future government changes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[She Quit Corporate Life for Retirement in Peru at 62]]>
                </title>
                                <description>
                                            <![CDATA[In this inspiring episode of Real Retirement Stories, we sit down with Cheri, a Florida-based retiree who left her corporate job at age 62 to pursue a non-traditional retirement filled with slow travel, adventure, and intentional living. Now 64 and two years into retirement, Cheri shares her path from dreaming about international travel during COVID isolation to actually pulling the trigger after her mother&#039;s passing.]]>
                                    </description>
                <pubDate>Sat, 11 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10758</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/qjQ6KSVsZjLPExPxBgwsQtdEeiMSR3iWk57lKc8J.mp3"  length="46786894"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this inspiring episode of Real Retirement Stories, we sit down with Cheri, a Florida-based retiree who left her corporate job at age 62 to pursue a non-traditional retirement filled with slow travel, adventure, and intentional living. Now 64 and two years into retirement, Cheri shares her path from dreaming about international travel during COVID isolation to actually pulling the trigger after her mother&#039;s passing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this inspiring episode of Real Retirement Stories, we sit down with Cheri, a Florida-based retiree who left her corporate job at age 62 to pursue a non-traditional retirement filled with slow travel, adventure, and intentional living. Now 64 and two years into retirement, Cheri shares her path from dreaming about international travel during COVID isolation to actually pulling the trigger after her mother&#039;s passing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are Stocks Still Worth It?]]>
                </title>
                                <description>
                                            <![CDATA[For years, investors accepted stock market volatility because the potential rewards significantly exceeded what safer investments could offer. But today&#039;s environment is different. With Treasury bonds, CDs, and fixed-income investments paying attractive yields, the traditional stock market risk premium has narrowed dramatically.
In this episode, Dan discusses what the shrinking risk premium means for retirees, why fixed income deserves another look, and how investors should evaluate their portfolio allocation in today&#039;s market environment.
If you&#039;re retired or approaching retirement, this conversation may help you determine whether your current mix of stocks and fixed-income investments still aligns with your goals and income needs.]]>
                                    </description>
                <pubDate>Sat, 04 Jul 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10701</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/VtNpcO3W2000sk0opxzDqIRooc4mXkta4eRzvVgH.mp3"  length="29014674"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[For years, investors accepted stock market volatility because the potential rewards significantly exceeded what safer investments could offer. But today&#039;s environment is different. With Treasury bonds, CDs, and fixed-income investments paying attractive yields, the traditional stock market risk premium has narrowed dramatically.
In this episode, Dan discusses what the shrinking risk premium means for retirees, why fixed income deserves another look, and how investors should evaluate their portfolio allocation in today&#039;s market environment.
If you&#039;re retired or approaching retirement, this conversation may help you determine whether your current mix of stocks and fixed-income investments still aligns with your goals and income needs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Jul 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[For years, investors accepted stock market volatility because the potential rewards significantly exceeded what safer investments could offer. But today&#039;s environment is different. With Treasury bonds, CDs, and fixed-income investments paying attractive yields, the traditional stock market risk premium has narrowed dramatically.
In this episode, Dan discusses what the shrinking risk premium means for retirees, why fixed income deserves another look, and how investors should evaluate their portfolio allocation in today&#039;s market environment.
If you&#039;re retired or approaching retirement, this conversation may help you determine whether your current mix of stocks and fixed-income investments still aligns with your goals and income needs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[4 Retirement Income Streams]]>
                </title>
                                <description>
                                            <![CDATA[Are you worried that Social Security won&#039;t be enough to support your retirement lifestyle?
In this video, Dan Wendol explains four practical ways retirees can create reliable income streams beyond Social Security. Learn how retirement savings, pensions and annuities, home equity, and even part-time work can help fill retirement income gaps and provide greater financial confidence.
If you&#039;ve been wondering where your retirement paycheck will come from, this discussion walks through real-world strategies that can help create dependable income throughout retirement.]]>
                                    </description>
                <pubDate>Sat, 27 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10652</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/tv5pldn96Rvdnf8Iq2Y4unnDtgmTYYwIapMSzg4E.mp3"  length="26360142"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are you worried that Social Security won&#039;t be enough to support your retirement lifestyle?
In this video, Dan Wendol explains four practical ways retirees can create reliable income streams beyond Social Security. Learn how retirement savings, pensions and annuities, home equity, and even part-time work can help fill retirement income gaps and provide greater financial confidence.
If you&#039;ve been wondering where your retirement paycheck will come from, this discussion walks through real-world strategies that can help create dependable income throughout retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are you worried that Social Security won&#039;t be enough to support your retirement lifestyle?
In this video, Dan Wendol explains four practical ways retirees can create reliable income streams beyond Social Security. Learn how retirement savings, pensions and annuities, home equity, and even part-time work can help fill retirement income gaps and provide greater financial confidence.
If you&#039;ve been wondering where your retirement paycheck will come from, this discussion walks through real-world strategies that can help create dependable income throughout retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security&#039;s New 2032 Warning: What Every Retiree Needs to Know]]>
                </title>
                                <description>
                                            <![CDATA[The Social Security Board of Trustees released its latest report, and the news isn&#039;t encouraging. The projected depletion date for the Social Security trust fund has moved closer, with the Old-Age and Survivors Insurance Trust Fund now projected to be depleted in 2032.
What does this mean for current retirees, future retirees, and anyone planning for retirement?
In this video, Dan breaks down the latest Social Security Trustees Report, explains why the projections have changed, discusses the demographic challenges facing the program, and outlines what retirees should be thinking about as they build a retirement income strategy.]]>
                                    </description>
                <pubDate>Sat, 20 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10625</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/placPl5gAm6pt7kNRjPheifxMprV7WBMUKoXYbiq.mp3"  length="26360888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Social Security Board of Trustees released its latest report, and the news isn&#039;t encouraging. The projected depletion date for the Social Security trust fund has moved closer, with the Old-Age and Survivors Insurance Trust Fund now projected to be depleted in 2032.
What does this mean for current retirees, future retirees, and anyone planning for retirement?
In this video, Dan breaks down the latest Social Security Trustees Report, explains why the projections have changed, discusses the demographic challenges facing the program, and outlines what retirees should be thinking about as they build a retirement income strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Social Security Board of Trustees released its latest report, and the news isn&#039;t encouraging. The projected depletion date for the Social Security trust fund has moved closer, with the Old-Age and Survivors Insurance Trust Fund now projected to be depleted in 2032.
What does this mean for current retirees, future retirees, and anyone planning for retirement?
In this video, Dan breaks down the latest Social Security Trustees Report, explains why the projections have changed, discusses the demographic challenges facing the program, and outlines what retirees should be thinking about as they build a retirement income strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Most People Read Their Social Security Statement Wrong]]>
                </title>
                                <description>
                                            <![CDATA[Are you looking at your Social Security statement and wondering what all those numbers actually mean?
In this episode, Dan Wendol walks through a real Social Security statement line by line and explains what retirees and pre-retirees need to understand before claiming benefits. Learn how Social Security estimates are calculated, why your projected benefit may not be accurate, how to check your earnings history for mistakes, and what disability, survivor, and Medicare information is hidden inside your statement.
Many Americans focus only on the projected monthly benefit and miss critical details that can affect retirement income planning. This episode helps you understand what your statement is really telling you and how to use it to make smarter retirement decisions.]]>
                                    </description>
                <pubDate>Sat, 13 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10590</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/wC9WXrt2g3UcRPaqzbrMJ7Hg1aGyuo1pTlaWyR8j.mp3"  length="39686820"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are you looking at your Social Security statement and wondering what all those numbers actually mean?
In this episode, Dan Wendol walks through a real Social Security statement line by line and explains what retirees and pre-retirees need to understand before claiming benefits. Learn how Social Security estimates are calculated, why your projected benefit may not be accurate, how to check your earnings history for mistakes, and what disability, survivor, and Medicare information is hidden inside your statement.
Many Americans focus only on the projected monthly benefit and miss critical details that can affect retirement income planning. This episode helps you understand what your statement is really telling you and how to use it to make smarter retirement decisions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are you looking at your Social Security statement and wondering what all those numbers actually mean?
In this episode, Dan Wendol walks through a real Social Security statement line by line and explains what retirees and pre-retirees need to understand before claiming benefits. Learn how Social Security estimates are calculated, why your projected benefit may not be accurate, how to check your earnings history for mistakes, and what disability, survivor, and Medicare information is hidden inside your statement.
Many Americans focus only on the projected monthly benefit and miss critical details that can affect retirement income planning. This episode helps you understand what your statement is really telling you and how to use it to make smarter retirement decisions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why Your Financial Advisor May NOT Be Ready for Your Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, Dan discusses a surprising 2026 study from the American College of Financial Services showing that many advisors who offer retirement income planning may only provide it at a basic or intermediate level. If you are approaching retirement, this conversation could completely change how you evaluate your financial advisor.
Learn why retirement income planning requires specialized expertise beyond traditional investment management and discover the key questions every retiree should ask before trusting someone with their retirement future.
This episode covers retirement income planning, Social Security strategies, retirement taxes, Medicare planning, sequence of returns risk, Roth conversions, and how to determine whether your advisor truly specializes in retirement.]]>
                                    </description>
                <pubDate>Sat, 06 Jun 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10551</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/KJXkMIZX4QXBPv9zNhNHSPxdAXwLRYHyK1JfOFvR.mp3"  length="27316240"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, Dan discusses a surprising 2026 study from the American College of Financial Services showing that many advisors who offer retirement income planning may only provide it at a basic or intermediate level. If you are approaching retirement, this conversation could completely change how you evaluate your financial advisor.
Learn why retirement income planning requires specialized expertise beyond traditional investment management and discover the key questions every retiree should ask before trusting someone with their retirement future.
This episode covers retirement income planning, Social Security strategies, retirement taxes, Medicare planning, sequence of returns risk, Roth conversions, and how to determine whether your advisor truly specializes in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Jun 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, Dan discusses a surprising 2026 study from the American College of Financial Services showing that many advisors who offer retirement income planning may only provide it at a basic or intermediate level. If you are approaching retirement, this conversation could completely change how you evaluate your financial advisor.
Learn why retirement income planning requires specialized expertise beyond traditional investment management and discover the key questions every retiree should ask before trusting someone with their retirement future.
This episode covers retirement income planning, Social Security strategies, retirement taxes, Medicare planning, sequence of returns risk, Roth conversions, and how to determine whether your advisor truly specializes in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[4 Hidden Retirement Tax Traps That Could Cost You Thousands]]>
                </title>
                                <description>
                                            <![CDATA[Are hidden retirement taxes quietly draining your future income?
In this episode, Dan discusses the four invisible tax traps that surprise retirees every year — including Required Minimum Distributions (RMDs), Social Security taxation, widow tax penalties, and Roth conversion mistakes.
Many retirees assume taxes will automatically decrease once they stop working, but that’s not always the case. Without proper retirement tax planning, unexpected taxes can significantly impact retirement income, Medicare premiums, and long-term financial security.
Whether you are already retired or preparing for retirement, understanding these retirement tax traps could potentially save you thousands over time.]]>
                                    </description>
                <pubDate>Sat, 30 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10523</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/1Jvl3Q86ZlzWl5IFys2hXgaXyYBemC7NzXcnhpdI.mp3"  length="23439356"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are hidden retirement taxes quietly draining your future income?
In this episode, Dan discusses the four invisible tax traps that surprise retirees every year — including Required Minimum Distributions (RMDs), Social Security taxation, widow tax penalties, and Roth conversion mistakes.
Many retirees assume taxes will automatically decrease once they stop working, but that’s not always the case. Without proper retirement tax planning, unexpected taxes can significantly impact retirement income, Medicare premiums, and long-term financial security.
Whether you are already retired or preparing for retirement, understanding these retirement tax traps could potentially save you thousands over time.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are hidden retirement taxes quietly draining your future income?
In this episode, Dan discusses the four invisible tax traps that surprise retirees every year — including Required Minimum Distributions (RMDs), Social Security taxation, widow tax penalties, and Roth conversion mistakes.
Many retirees assume taxes will automatically decrease once they stop working, but that’s not always the case. Without proper retirement tax planning, unexpected taxes can significantly impact retirement income, Medicare premiums, and long-term financial security.
Whether you are already retired or preparing for retirement, understanding these retirement tax traps could potentially save you thousands over time.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare Supplement Costs Are Exploding]]>
                </title>
                                <description>
                                            <![CDATA[Are your Medicare Supplement premiums suddenly skyrocketing in 2026? You’re not alone. Across the country, retirees are seeing major increases in Medigap insurance costs, with some plans jumping 15%, 20%, or even higher in a single year.

In this episode, Dan explains:

- Why Medicare Supplement prices are rising
- What’s driving healthcare inflation
- How Plan G and other Medigap plans are being impacted
- The difference between Medicare Supplement and Medicare Advantage
- Whether retirees should consider switching plans
- Important underwriting rules retirees need to understand
- How rising healthcare costs impact retirement income planning

If you’re retired or approaching retirement, understanding your Medicare options could potentially save you thousands of dollars over time.]]>
                                    </description>
                <pubDate>Sat, 23 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10488</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/wprgkB88iO0iOwaMSV1o7c0e3vZJ7LP1BF7qFLMu.mp3"  length="36168062"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are your Medicare Supplement premiums suddenly skyrocketing in 2026? You’re not alone. Across the country, retirees are seeing major increases in Medigap insurance costs, with some plans jumping 15%, 20%, or even higher in a single year.

In this episode, Dan explains:

- Why Medicare Supplement prices are rising
- What’s driving healthcare inflation
- How Plan G and other Medigap plans are being impacted
- The difference between Medicare Supplement and Medicare Advantage
- Whether retirees should consider switching plans
- Important underwriting rules retirees need to understand
- How rising healthcare costs impact retirement income planning

If you’re retired or approaching retirement, understanding your Medicare options could potentially save you thousands of dollars over time.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are your Medicare Supplement premiums suddenly skyrocketing in 2026? You’re not alone. Across the country, retirees are seeing major increases in Medigap insurance costs, with some plans jumping 15%, 20%, or even higher in a single year.

In this episode, Dan explains:

- Why Medicare Supplement prices are rising
- What’s driving healthcare inflation
- How Plan G and other Medigap plans are being impacted
- The difference between Medicare Supplement and Medicare Advantage
- Whether retirees should consider switching plans
- Important underwriting rules retirees need to understand
- How rising healthcare costs impact retirement income planning

If you’re retired or approaching retirement, understanding your Medicare options could potentially save you thousands of dollars over time.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Take Social Security at 62. The Math Just Changed]]>
                </title>
                                <description>
                                            <![CDATA[Should you take Social Security at 62—or wait until full retirement age or even age 70? For years, retirees have been told delaying Social Security is the smartest strategy. But what if the math actually favors claiming early? This show breaks down a surprising Social Security analysis showing how claiming benefits early and reinvesting them could potentially outperform waiting—even if Social Security avoids future cuts.]]>
                                    </description>
                <pubDate>Sat, 16 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10440</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/JgjkqYyEFvyvb7cGbtj4E6IjIH5YMw0T8rt8v8j2.mp3"  length="32247978"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you take Social Security at 62—or wait until full retirement age or even age 70? For years, retirees have been told delaying Social Security is the smartest strategy. But what if the math actually favors claiming early? This show breaks down a surprising Social Security analysis showing how claiming benefits early and reinvesting them could potentially outperform waiting—even if Social Security avoids future cuts.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you take Social Security at 62—or wait until full retirement age or even age 70? For years, retirees have been told delaying Social Security is the smartest strategy. But what if the math actually favors claiming early? This show breaks down a surprising Social Security analysis showing how claiming benefits early and reinvesting them could potentially outperform waiting—even if Social Security avoids future cuts.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don’t Lose Everything to Long-Term Care]]>
                </title>
                                <description>
                                            <![CDATA[Long-term care can cost 8,000–13,000 per month. Most people fall into the &quot;Medicaid Gap&quot; — too much income or assets to qualify for help, but nowhere near enough to self-fund for years without losing everything. In this important episode, Dan Wendell explains exactly how Medicaid works in Florida (and the key concepts for other states), the devastating 5-year lookback rule, and proven strategies to protect your assets, your spouse, and your legacy.]]>
                                    </description>
                <pubDate>Sat, 09 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10301</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Zg0N7VeFPETAhAReTppSEAkgpsrvHO87h6Fk9a6x.mp3"  length="46056022"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Long-term care can cost 8,000–13,000 per month. Most people fall into the &quot;Medicaid Gap&quot; — too much income or assets to qualify for help, but nowhere near enough to self-fund for years without losing everything. In this important episode, Dan Wendell explains exactly how Medicaid works in Florida (and the key concepts for other states), the devastating 5-year lookback rule, and proven strategies to protect your assets, your spouse, and your legacy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Long-term care can cost 8,000–13,000 per month. Most people fall into the &quot;Medicaid Gap&quot; — too much income or assets to qualify for help, but nowhere near enough to self-fund for years without losing everything. In this important episode, Dan Wendell explains exactly how Medicaid works in Florida (and the key concepts for other states), the devastating 5-year lookback rule, and proven strategies to protect your assets, your spouse, and your legacy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 401(k) Super Catch-Up]]>
                </title>
                                <description>
                                            <![CDATA[Are you 60, 61, 62, or 63? You may be eligible for the powerful Super Catch-Up provision that lets you contribute up to 35,750 in 2026 — significantly more than the standard catch-up limit. In this episode, Dan breaks down the new retirement rules from the SECURE Act, including exact contribution limits, eligibility requirements, and critical mistakes to avoid.]]>
                                    </description>
                <pubDate>Fri, 01 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10275</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/eBMobPOp6hP0YctwGIYQoKA7AtE6koFyBedq592C.mp3"  length="24371204"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are you 60, 61, 62, or 63? You may be eligible for the powerful Super Catch-Up provision that lets you contribute up to 35,750 in 2026 — significantly more than the standard catch-up limit. In this episode, Dan breaks down the new retirement rules from the SECURE Act, including exact contribution limits, eligibility requirements, and critical mistakes to avoid.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 01 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are you 60, 61, 62, or 63? You may be eligible for the powerful Super Catch-Up provision that lets you contribute up to 35,750 in 2026 — significantly more than the standard catch-up limit. In this episode, Dan breaks down the new retirement rules from the SECURE Act, including exact contribution limits, eligibility requirements, and critical mistakes to avoid.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring at 55 (Twice!)]]>
                </title>
                                <description>
                                            <![CDATA[In this engaging episode of Real Retirement Stories, we talk with Mike, a Florida retiree who has been fully retired for about 15 years (this will be his 16th). Mike originally retired at age 51 from a family business in the Midwest but returned to work after a year and a half due to winter boredom. He retired for good around age 55 when his daughter wanted to attend nursing school in Florida — prompting the whole family to move south.]]>
                                    </description>
                <pubDate>Sat, 25 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10245</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/oObhHFnIqvn2CSLAyLtCMLBQaOnobF5NNVQLBWUj.mp3"  length="29119432"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this engaging episode of Real Retirement Stories, we talk with Mike, a Florida retiree who has been fully retired for about 15 years (this will be his 16th). Mike originally retired at age 51 from a family business in the Midwest but returned to work after a year and a half due to winter boredom. He retired for good around age 55 when his daughter wanted to attend nursing school in Florida — prompting the whole family to move south.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this engaging episode of Real Retirement Stories, we talk with Mike, a Florida retiree who has been fully retired for about 15 years (this will be his 16th). Mike originally retired at age 51 from a family business in the Midwest but returned to work after a year and a half due to winter boredom. He retired for good around age 55 when his daughter wanted to attend nursing school in Florida — prompting the whole family to move south.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Turning Your 401(k) Into a Personal Pension]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore the exciting (and sometimes controversial) rise of in-plan income solutions inside 401(k) plans — essentially turning your retirement savings into a steady paycheck for life, starting as early as 2026.]]>
                                    </description>
                <pubDate>Sat, 18 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10208</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/FnqicUgid2hmzNPak2g7nILdke9qKIZpIn4zeFgM.mp3"  length="38973332"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore the exciting (and sometimes controversial) rise of in-plan income solutions inside 401(k) plans — essentially turning your retirement savings into a steady paycheck for life, starting as early as 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore the exciting (and sometimes controversial) rise of in-plan income solutions inside 401(k) plans — essentially turning your retirement savings into a steady paycheck for life, starting as early as 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[New 2026 401(k) Rule for Long-Term Care]]>
                </title>
                                <description>
                                            <![CDATA[New 2026 SECURE Act 2.0 rule: Withdraw up to 2,600 penalty-free from your 401(k) before age 591⁄2 to pay qualified long-term care insurance premiums. In this episode, we break down exactly how the new qualified long-term care distribution works, the annual limit, who qualifies (you or your spouse only), what counts as a tax-qualified policy, and how hybrid life/annuity riders can still apply.]]>
                                    </description>
                <pubDate>Sat, 11 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10139</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Xpz52nakK0gXXl5f1VnWINFVpkczVxRBgL0QBY8y.mp3"  length="29749746"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[New 2026 SECURE Act 2.0 rule: Withdraw up to 2,600 penalty-free from your 401(k) before age 591⁄2 to pay qualified long-term care insurance premiums. In this episode, we break down exactly how the new qualified long-term care distribution works, the annual limit, who qualifies (you or your spouse only), what counts as a tax-qualified policy, and how hybrid life/annuity riders can still apply.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[New 2026 SECURE Act 2.0 rule: Withdraw up to 2,600 penalty-free from your 401(k) before age 591⁄2 to pay qualified long-term care insurance premiums. In this episode, we break down exactly how the new qualified long-term care distribution works, the annual limit, who qualifies (you or your spouse only), what counts as a tax-qualified policy, and how hybrid life/annuity riders can still apply.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Mistakes if Retiring in 2026]]>
                </title>
                                <description>
                                            <![CDATA[Are you planning to retire in 2026? In this show we discuss the top 5 mistakes people retiring forget to plan for. If you are retiring soon, be sure to make sure you aren&#039;t missing one of the five really important factors. This is a retirement reality checklist to those of you about to make the switch to permanent unemployment.]]>
                                    </description>
                <pubDate>Sat, 04 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10112</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Z1NTX2MhuK4DKKze9TrbLaXG32lwnT51pjlt7wth.mp3"  length="31805662"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are you planning to retire in 2026? In this show we discuss the top 5 mistakes people retiring forget to plan for. If you are retiring soon, be sure to make sure you aren&#039;t missing one of the five really important factors. This is a retirement reality checklist to those of you about to make the switch to permanent unemployment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are you planning to retire in 2026? In this show we discuss the top 5 mistakes people retiring forget to plan for. If you are retiring soon, be sure to make sure you aren&#039;t missing one of the five really important factors. This is a retirement reality checklist to those of you about to make the switch to permanent unemployment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top Scams in 2026]]>
                </title>
                                <description>
                                            <![CDATA[Scammers have been around since the dawn of time. However, the scams many are falling victim to recently are getting more tricky and sinister. In this show we discuss the &quot;dirty dozen&quot; scams highlighted by the IRS in 2026. Listen in and make sure you and your family don&#039;t get caught in one of these financial scams.]]>
                                    </description>
                <pubDate>Sat, 28 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10062</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/4ATqEm2TvfbvK9iIRyl3Ekoesa1vbuLA3JY7Z86F.mp3"  length="43707146"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Scammers have been around since the dawn of time. However, the scams many are falling victim to recently are getting more tricky and sinister. In this show we discuss the &quot;dirty dozen&quot; scams highlighted by the IRS in 2026. Listen in and make sure you and your family don&#039;t get caught in one of these financial scams.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Scammers have been around since the dawn of time. However, the scams many are falling victim to recently are getting more tricky and sinister. In this show we discuss the &quot;dirty dozen&quot; scams highlighted by the IRS in 2026. Listen in and make sure you and your family don&#039;t get caught in one of these financial scams.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Die with Zero]]>
                </title>
                                <description>
                                            <![CDATA[When you leave this world, what if you left NO assets or wealth behind? Is it too late for those approaching retirement to adopt a philosophy of spending everything? Is this approach too risky as it introduces the potential to run out of money and become a financial burden on others? Join as as we answer these questions and debate the concept.]]>
                                    </description>
                <pubDate>Sat, 21 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10048</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/vArhncLugdskIO4Epi7kkSlotw0HIlGNIoZ6M9Vr.mp3"  length="35996982"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When you leave this world, what if you left NO assets or wealth behind? Is it too late for those approaching retirement to adopt a philosophy of spending everything? Is this approach too risky as it introduces the potential to run out of money and become a financial burden on others? Join as as we answer these questions and debate the concept.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When you leave this world, what if you left NO assets or wealth behind? Is it too late for those approaching retirement to adopt a philosophy of spending everything? Is this approach too risky as it introduces the potential to run out of money and become a financial burden on others? Join as as we answer these questions and debate the concept.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing During Conflicts]]>
                </title>
                                <description>
                                            <![CDATA[The odds are high that you&#039;ll have a retirement portfolio during some sort of military conflict. This raises the question - should I adjust my portfolio if the US is engaged in conflict? Does it matter that the conflict is happening in the Middle East vs elsewhere? Tune in as we address these concerns about investing and war.]]>
                                    </description>
                <pubDate>Sat, 14 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10008</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ILXnSkETXzBCNFmOTvxOVpsSIFX1CuJ5f5exeMqR.mp3"  length="34456250"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The odds are high that you&#039;ll have a retirement portfolio during some sort of military conflict. This raises the question - should I adjust my portfolio if the US is engaged in conflict? Does it matter that the conflict is happening in the Middle East vs elsewhere? Tune in as we address these concerns about investing and war.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The odds are high that you&#039;ll have a retirement portfolio during some sort of military conflict. This raises the question - should I adjust my portfolio if the US is engaged in conflict? Does it matter that the conflict is happening in the Middle East vs elsewhere? Tune in as we address these concerns about investing and war.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Interview with Benjamin Franklin]]>
                </title>
                                <description>
                                            <![CDATA[Benjamin Franklin is the original financial guru. In this podcast, we use the latest technology to interview Ben Franklin to get his advice about modern retirement planning in his own words. Does Franklin&#039;s sage advice still apply in our modern world?]]>
                                    </description>
                <pubDate>Sat, 07 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9952</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/GjeByHiSn1qrcRBwt36NlfsGbrhCEv8qDnoLPARQ.mp3"  length="35028408"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Benjamin Franklin is the original financial guru. In this podcast, we use the latest technology to interview Ben Franklin to get his advice about modern retirement planning in his own words. Does Franklin&#039;s sage advice still apply in our modern world?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Benjamin Franklin is the original financial guru. In this podcast, we use the latest technology to interview Ben Franklin to get his advice about modern retirement planning in his own words. Does Franklin&#039;s sage advice still apply in our modern world?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Bother Saving for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[&quot;Don&#039;t worry about squirreling money away for retirement. In 10 or 20 years, it won&#039;t matter.&quot; - Elon Musk 
In this show we discuss whether or not people should continue to save for retirement or if AI will make this a complete waste of time.]]>
                                    </description>
                <pubDate>Sat, 28 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9913</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/f2WJOmAm6xHm2DPqaDjdZY2cWuBX6uTwJWxrjmXK.mp3"  length="34052260"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[&quot;Don&#039;t worry about squirreling money away for retirement. In 10 or 20 years, it won&#039;t matter.&quot; - Elon Musk 
In this show we discuss whether or not people should continue to save for retirement or if AI will make this a complete waste of time.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[&quot;Don&#039;t worry about squirreling money away for retirement. In 10 or 20 years, it won&#039;t matter.&quot; - Elon Musk 
In this show we discuss whether or not people should continue to save for retirement or if AI will make this a complete waste of time.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Outdated Retirement Advice]]>
                </title>
                                <description>
                                            <![CDATA[Retire at 65, debt free, reduce risk, and withdraw 4% per year. This is outdated retirement advice. In this show we tackle each of these popular pieces of advice and explain why they are not longer 100% true. We also invite a special guest - the original American financial guru!]]>
                                    </description>
                <pubDate>Sat, 21 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9866</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/QzD0q2MQMOJ1ZYELVwJBAdbKs9ksKOB5Zroq6UHc.mp3"  length="40365478"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retire at 65, debt free, reduce risk, and withdraw 4% per year. This is outdated retirement advice. In this show we tackle each of these popular pieces of advice and explain why they are not longer 100% true. We also invite a special guest - the original American financial guru!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retire at 65, debt free, reduce risk, and withdraw 4% per year. This is outdated retirement advice. In this show we tackle each of these popular pieces of advice and explain why they are not longer 100% true. We also invite a special guest - the original American financial guru!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Does TrumpRx.gov Lower or Raise Costs for Prescriptions]]>
                </title>
                                <description>
                                            <![CDATA[The new website TrumpRx.gov is designed to reduce the cost of certain prescriptions for Americans. This is especially true for those without insurance. However, for those with existing insurance, this new program can actually lead to HIGHER costs. Listen in as we explore the details of this new government program.]]>
                                    </description>
                <pubDate>Sat, 14 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9819</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Q0fZH3okQvn7fDkhYyANpNVkVCYBgikThh11cFvx.mp3"  length="31062098"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The new website TrumpRx.gov is designed to reduce the cost of certain prescriptions for Americans. This is especially true for those without insurance. However, for those with existing insurance, this new program can actually lead to HIGHER costs. Listen in as we explore the details of this new government program.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The new website TrumpRx.gov is designed to reduce the cost of certain prescriptions for Americans. This is especially true for those without insurance. However, for those with existing insurance, this new program can actually lead to HIGHER costs. Listen in as we explore the details of this new government program.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[3 Ways to Stop the Fear of Running Out of $$]]>
                </title>
                                <description>
                                            <![CDATA[Many people fear running out of money in retirement. Some spend much less than desired, while others postpone retirement altogether! In this show we discuss three ways to combat this fear of running out of money.]]>
                                    </description>
                <pubDate>Sat, 07 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9776</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/xAS8TntdpvUzbxu4SS5YBSu9JuGiB4EdygRqQFbN.mp3"  length="18535247"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people fear running out of money in retirement. Some spend much less than desired, while others postpone retirement altogether! In this show we discuss three ways to combat this fear of running out of money.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people fear running out of money in retirement. Some spend much less than desired, while others postpone retirement altogether! In this show we discuss three ways to combat this fear of running out of money.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Huge Retiree Tax Refunds]]>
                </title>
                                <description>
                                            <![CDATA[Tax returns filed in 2026 are expected to be higher due to the tax law changes made in 2025. The One, Big, Beautiful Bill Act added a $6,000 &quot;bonus deduction&quot; for many retirees. In this show we talk about how this should lead to a higher tax refund and what you can do to be strategic about these new tax changes.]]>
                                    </description>
                <pubDate>Sat, 31 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9733</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/KHTo6AJqjymYiaoSlLYUmpYKZm9HEH8VZL22MKv5.mp3"  length="27796608"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Tax returns filed in 2026 are expected to be higher due to the tax law changes made in 2025. The One, Big, Beautiful Bill Act added a $6,000 &quot;bonus deduction&quot; for many retirees. In this show we talk about how this should lead to a higher tax refund and what you can do to be strategic about these new tax changes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 31 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Tax returns filed in 2026 are expected to be higher due to the tax law changes made in 2025. The One, Big, Beautiful Bill Act added a $6,000 &quot;bonus deduction&quot; for many retirees. In this show we talk about how this should lead to a higher tax refund and what you can do to be strategic about these new tax changes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Journey]]>
                </title>
                                <description>
                                            <![CDATA[Retirement can be seen as a journey. In this show, Dan discusses a recent hike up Camelback Mountain in AZ and relates it to the retirement journey he sees many people through. This analogy will give you insight into retirement and some tips on what you can expect.]]>
                                    </description>
                <pubDate>Sat, 24 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9666</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/U29ZXM1uyo0b6ObZDfvjSDISaVE9Dr8XPSDFbl0X.mp3"  length="51634626"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement can be seen as a journey. In this show, Dan discusses a recent hike up Camelback Mountain in AZ and relates it to the retirement journey he sees many people through. This analogy will give you insight into retirement and some tips on what you can expect.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 24 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement can be seen as a journey. In this show, Dan discusses a recent hike up Camelback Mountain in AZ and relates it to the retirement journey he sees many people through. This analogy will give you insight into retirement and some tips on what you can expect.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2026 Max Social Security Check]]>
                </title>
                                <description>
                                            <![CDATA[The highest monthly Social Security check in 2026 is $5,251. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2026.]]>
                                    </description>
                <pubDate>Sat, 17 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9630</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3dZtaavvC4TgO4y5ttYQpA5XYqogHC6txHktZt6h.mp3"  length="9159492"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The highest monthly Social Security check in 2026 is $5,251. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The highest monthly Social Security check in 2026 is $5,251. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Help! My Spouse is Too Risky]]>
                </title>
                                <description>
                                            <![CDATA[Spouses often have very different risk tolerances. This can dramatically impact retirement planning, and even cause marital trouble. In this show we explain how couples should be handling risk planning in retirement in order to keep the family harmony.]]>
                                    </description>
                <pubDate>Sat, 10 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9597</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2PAguImQX3aLRqdF39UK1SmDTTyabHVwEgXgEAxz.mp3"  length="36350492"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Spouses often have very different risk tolerances. This can dramatically impact retirement planning, and even cause marital trouble. In this show we explain how couples should be handling risk planning in retirement in order to keep the family harmony.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Spouses often have very different risk tolerances. This can dramatically impact retirement planning, and even cause marital trouble. In this show we explain how couples should be handling risk planning in retirement in order to keep the family harmony.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[30 Year Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Many plan for a 20 year retirement, when a 30+ year retirement is potentially more realistic. Do people really need to plan on living until age 100? Do they want to plan to live to 100? We talk about this scenario in this show.]]>
                                    </description>
                <pubDate>Sat, 03 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9580</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/r1A0NPg0wB4ICHvK2yXZDAULMSEGMadjHrmUN93y.mp3"  length="36067358"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many plan for a 20 year retirement, when a 30+ year retirement is potentially more realistic. Do people really need to plan on living until age 100? Do they want to plan to live to 100? We talk about this scenario in this show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 03 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many plan for a 20 year retirement, when a 30+ year retirement is potentially more realistic. Do people really need to plan on living until age 100? Do they want to plan to live to 100? We talk about this scenario in this show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Can&#039;t Sell Stocks Now]]>
                </title>
                                <description>
                                            <![CDATA[You can&#039;t sell now, even though you think it might be time to do so. After tremendous gains (or losses) in the stock market, many are in a position where they want to adjust their portfolio, but they can&#039;t seem to do it. Perhaps the &quot;Endowment Effect&quot; is what is holding them back. In the show, we talk about this situation where people are &quot;stuck&quot; and don&#039;t know why.]]>
                                    </description>
                <pubDate>Sat, 27 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9560</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/OdRfmPk5wfKIawWDVvpvMbHysqjxdsqZVAu3Dkjq.mp3"  length="36266336"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[You can&#039;t sell now, even though you think it might be time to do so. After tremendous gains (or losses) in the stock market, many are in a position where they want to adjust their portfolio, but they can&#039;t seem to do it. Perhaps the &quot;Endowment Effect&quot; is what is holding them back. In the show, we talk about this situation where people are &quot;stuck&quot; and don&#039;t know why.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[You can&#039;t sell now, even though you think it might be time to do so. After tremendous gains (or losses) in the stock market, many are in a position where they want to adjust their portfolio, but they can&#039;t seem to do it. Perhaps the &quot;Endowment Effect&quot; is what is holding them back. In the show, we talk about this situation where people are &quot;stuck&quot; and don&#039;t know why.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2026: The Year of the HSA]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into why 2026 is being hailed as a landmark year for the Health Savings Account. We explore the latest IRS updates, including increased contribution limits and expanded eligibility that opens the door for millions of additional tax-advantaged savers. Tune in to learn how to leverage the &quot;triple tax advantage&quot; of the HSA to not only manage rising healthcare costs but to supercharge your long-term retirement strategy.]]>
                                    </description>
                <pubDate>Sat, 20 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9539</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/av6FER6A1QqjdPmYX8coYsD6PMvurN82PIV0wZMw.mp3"  length="33757452"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into why 2026 is being hailed as a landmark year for the Health Savings Account. We explore the latest IRS updates, including increased contribution limits and expanded eligibility that opens the door for millions of additional tax-advantaged savers. Tune in to learn how to leverage the &quot;triple tax advantage&quot; of the HSA to not only manage rising healthcare costs but to supercharge your long-term retirement strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into why 2026 is being hailed as a landmark year for the Health Savings Account. We explore the latest IRS updates, including increased contribution limits and expanded eligibility that opens the door for millions of additional tax-advantaged savers. Tune in to learn how to leverage the &quot;triple tax advantage&quot; of the HSA to not only manage rising healthcare costs but to supercharge your long-term retirement strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Ancient Retirement Wisdom]]>
                </title>
                                <description>
                                            <![CDATA[The ancient fable of &quot;The Cracked Pot&quot; can teach us a powerful lesson about planning for your retirement. Listen to this old tale and learn how you can make some adjustments to your approach that may lead to a much brighter and satisfying future.]]>
                                    </description>
                <pubDate>Fri, 12 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9509</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ZexprQZQX7qF97tYuE0bjBt8rLOYnOlhOf7v0axd.mp3"  length="20389240"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The ancient fable of &quot;The Cracked Pot&quot; can teach us a powerful lesson about planning for your retirement. Listen to this old tale and learn how you can make some adjustments to your approach that may lead to a much brighter and satisfying future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 12 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The ancient fable of &quot;The Cracked Pot&quot; can teach us a powerful lesson about planning for your retirement. Listen to this old tale and learn how you can make some adjustments to your approach that may lead to a much brighter and satisfying future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Must Have Holiday Conversations]]>
                </title>
                                <description>
                                            <![CDATA[In order to keep the family harmony, certain important financial matters need to be planned. However, it&#039;s often difficult to initiate the conversations around money and health. In this show we discuss why holiday gatherings are the BEST time to discuss important issues. We also share some tips on how to initiate these conversations without being awkward.]]>
                                    </description>
                <pubDate>Sat, 29 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9418</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/EIkMIMgQ8xNheiUkEosNYnJ07MxqyAl1RV5EmVFG.mp3"  length="38063999"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In order to keep the family harmony, certain important financial matters need to be planned. However, it&#039;s often difficult to initiate the conversations around money and health. In this show we discuss why holiday gatherings are the BEST time to discuss important issues. We also share some tips on how to initiate these conversations without being awkward.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 29 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In order to keep the family harmony, certain important financial matters need to be planned. However, it&#039;s often difficult to initiate the conversations around money and health. In this show we discuss why holiday gatherings are the BEST time to discuss important issues. We also share some tips on how to initiate these conversations without being awkward.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Have Enough to Retire]]>
                </title>
                                <description>
                                            <![CDATA[What if you think you don&#039;t have enough to retire? What&#039;s your next move? In this show, we talk about steps to take if you have that feeling that you&#039;ll be forced to work forever. Don&#039;t bury your head in the sand - take a proactive approach instead.]]>
                                    </description>
                <pubDate>Sat, 22 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9377</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/khdZ2PoJUA1OChrw4bnlp5C6HoLaz8NdnjGEM3vW.mp3"  length="33221163"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What if you think you don&#039;t have enough to retire? What&#039;s your next move? In this show, we talk about steps to take if you have that feeling that you&#039;ll be forced to work forever. Don&#039;t bury your head in the sand - take a proactive approach instead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What if you think you don&#039;t have enough to retire? What&#039;s your next move? In this show, we talk about steps to take if you have that feeling that you&#039;ll be forced to work forever. Don&#039;t bury your head in the sand - take a proactive approach instead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance Cliff]]>
                </title>
                                <description>
                                            <![CDATA[The health insurance subsidy cliff is back! In this show we discuss the top two important things to know about health insurance before Medicare. ACA plan prices are out of control and you need to be proactive about it.]]>
                                    </description>
                <pubDate>Sat, 15 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9362</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/HCz8KLYZpr1LQ821eGinQXOTQQXu20NtGFCyjatv.mp3"  length="34384941"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The health insurance subsidy cliff is back! In this show we discuss the top two important things to know about health insurance before Medicare. ACA plan prices are out of control and you need to be proactive about it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The health insurance subsidy cliff is back! In this show we discuss the top two important things to know about health insurance before Medicare. ACA plan prices are out of control and you need to be proactive about it.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance Retirement Scheme]]>
                </title>
                                <description>
                                            <![CDATA[Can life insurance be used as a retirement income tool? Yes. Did Kyle Busch, the famous NASCAR driver, recently lose $8 million with such a life insurance strategy? Apparently so. In this show we talk about the current lawsuit between Busch and the insurance company.]]>
                                    </description>
                <pubDate>Sat, 08 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9314</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/F5LnGfxRLhDDZnNISovBHjWVjtppZyqWOCKgTp1h.mp3"  length="28364761"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can life insurance be used as a retirement income tool? Yes. Did Kyle Busch, the famous NASCAR driver, recently lose $8 million with such a life insurance strategy? Apparently so. In this show we talk about the current lawsuit between Busch and the insurance company.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can life insurance be used as a retirement income tool? Yes. Did Kyle Busch, the famous NASCAR driver, recently lose $8 million with such a life insurance strategy? Apparently so. In this show we talk about the current lawsuit between Busch and the insurance company.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The TOP Roth Conversion Factor Many Miss]]>
                </title>
                                <description>
                                            <![CDATA[To convert or not convert?...that is the question. In this show we discuss some top factors to consider when deciding about converting your Traditional IRA to a Roth IRA. Be sure to listen in to learn the one particular factor that is often overlooked and that can dramatically change the tax math on your Roth conversion decision.]]>
                                    </description>
                <pubDate>Sat, 01 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9264</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/BDbBovf0O8lhtEACmnEiP3Y2ytlsmQqLv0Jq8G0Q.mp3"  length="43380763"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[To convert or not convert?...that is the question. In this show we discuss some top factors to consider when deciding about converting your Traditional IRA to a Roth IRA. Be sure to listen in to learn the one particular factor that is often overlooked and that can dramatically change the tax math on your Roth conversion decision.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[To convert or not convert?...that is the question. In this show we discuss some top factors to consider when deciding about converting your Traditional IRA to a Roth IRA. Be sure to listen in to learn the one particular factor that is often overlooked and that can dramatically change the tax math on your Roth conversion decision.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Too Much?]]>
                </title>
                                <description>
                                            <![CDATA[There’s a common belief that you can never save too much, but is the fear of running out of money causing you to miss out on life right now? Learn how to find the critical balance between future security and enjoying the present by confidently spending some of your hard-earned wealth.]]>
                                    </description>
                <pubDate>Sat, 25 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9236</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/RIpfgE9gWMgkSWAbsjFoOuRp9Wnc3S377SWSpmH3.mp3"  length="44288135"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There’s a common belief that you can never save too much, but is the fear of running out of money causing you to miss out on life right now? Learn how to find the critical balance between future security and enjoying the present by confidently spending some of your hard-earned wealth.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There’s a common belief that you can never save too much, but is the fear of running out of money causing you to miss out on life right now? Learn how to find the critical balance between future security and enjoying the present by confidently spending some of your hard-earned wealth.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Magic Number Myth]]>
                </title>
                                <description>
                                            <![CDATA[We’re tackling the biggest misconception in financial planning: the idea that there is one universal &quot;magic number&quot; you need to hit for a comfortable retirement. We break down why fixating on a round figure like $1 million is misleading and often causes unnecessary stress and anxiety. Instead of focusing on a total savings amount, learn the three personal variables—expenses, guaranteed income, and the savings &quot;gap&quot;—that determine your true retirement number.]]>
                                    </description>
                <pubDate>Sat, 18 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9176</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/qn0VlD6xL6H9UTCa1qDHV39jmp0ujChR5VsYsxfw.mp3"  length="45573449"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We’re tackling the biggest misconception in financial planning: the idea that there is one universal &quot;magic number&quot; you need to hit for a comfortable retirement. We break down why fixating on a round figure like $1 million is misleading and often causes unnecessary stress and anxiety. Instead of focusing on a total savings amount, learn the three personal variables—expenses, guaranteed income, and the savings &quot;gap&quot;—that determine your true retirement number.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We’re tackling the biggest misconception in financial planning: the idea that there is one universal &quot;magic number&quot; you need to hit for a comfortable retirement. We break down why fixating on a round figure like $1 million is misleading and often causes unnecessary stress and anxiety. Instead of focusing on a total savings amount, learn the three personal variables—expenses, guaranteed income, and the savings &quot;gap&quot;—that determine your true retirement number.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[401k Catch-Up Contributions]]>
                </title>
                                <description>
                                            <![CDATA[New guidance from the IRS has been issued regarding catch-up contributions into 401k plans. This new guidance starts in 2027, but employers may start it in 2026. In this show we explain the options for people 50 years old and up and how this new information should be impacting your tax planning.]]>
                                    </description>
                <pubDate>Sat, 11 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9154</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/dmN9X4hBhzvtyLFrxBJcTO89NEEAANKBv2j5moRE.mp3"  length="34313483"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[New guidance from the IRS has been issued regarding catch-up contributions into 401k plans. This new guidance starts in 2027, but employers may start it in 2026. In this show we explain the options for people 50 years old and up and how this new information should be impacting your tax planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[New guidance from the IRS has been issued regarding catch-up contributions into 401k plans. This new guidance starts in 2027, but employers may start it in 2026. In this show we explain the options for people 50 years old and up and how this new information should be impacting your tax planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Seniors are Being Scammed]]>
                </title>
                                <description>
                                            <![CDATA[Financial abuse of older people is getting out of hand. Congress is working toward new rules to help prevent this financial exploitation. In this show we cover some of the latest news and issues around financial abuse of retirees.]]>
                                    </description>
                <pubDate>Sat, 04 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9112</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/PZU4Rh2l0SRXdEeVjOZfdolPax5urqwMCrWPTfXX.mp3"  length="29210957"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Financial abuse of older people is getting out of hand. Congress is working toward new rules to help prevent this financial exploitation. In this show we cover some of the latest news and issues around financial abuse of retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Financial abuse of older people is getting out of hand. Congress is working toward new rules to help prevent this financial exploitation. In this show we cover some of the latest news and issues around financial abuse of retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lock in 5% interest?]]>
                </title>
                                <description>
                                            <![CDATA[If you could lock in an interest rate of 5+% on your retirement savings, would you? If so, how long would you lock in - 3 years, 5 years, 10 years? In this show we talk about the pros/cons of locking in &quot;high&quot; interest rates today.]]>
                                    </description>
                <pubDate>Sat, 20 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9081</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/pocAgBOA1HHLl5RFcypjFWR9bR6JIbAiNVU5WCIU.mp3"  length="25724111"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you could lock in an interest rate of 5+% on your retirement savings, would you? If so, how long would you lock in - 3 years, 5 years, 10 years? In this show we talk about the pros/cons of locking in &quot;high&quot; interest rates today.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you could lock in an interest rate of 5+% on your retirement savings, would you? If so, how long would you lock in - 3 years, 5 years, 10 years? In this show we talk about the pros/cons of locking in &quot;high&quot; interest rates today.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2026 Health Insurance Costs Skyrocketing]]>
                </title>
                                <description>
                                            <![CDATA[Health insurance costs have been going up every year for the past decades. This isn&#039;t anything new. However, in 2026 a HUGE spike in costs are expected. Not only are insurance companies raising prices, but the expanded health insurance subsidies are being cut. This one-two punch may knock many people out of the insurance market altogether.]]>
                                    </description>
                <pubDate>Sat, 13 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9015</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/KZ6YO42gkHfWamywnKkuTBDG0D3pdSeIhj1QLdfi.mp3"  length="39560856"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Health insurance costs have been going up every year for the past decades. This isn&#039;t anything new. However, in 2026 a HUGE spike in costs are expected. Not only are insurance companies raising prices, but the expanded health insurance subsidies are being cut. This one-two punch may knock many people out of the insurance market altogether.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Health insurance costs have been going up every year for the past decades. This isn&#039;t anything new. However, in 2026 a HUGE spike in costs are expected. Not only are insurance companies raising prices, but the expanded health insurance subsidies are being cut. This one-two punch may knock many people out of the insurance market altogether.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retired...Now What!?]]>
                </title>
                                <description>
                                            <![CDATA[Retirement is an exciting time and often filled with relaxation, adventure, or a combination of both. But for some, retirement can be difficult and bring on feelings of aimlessness, boredom, or even fear. In this show, we interview a retiree who has engaged in a very interesting and inspiring strategy to ward off potential doldrums of retirement.]]>
                                    </description>
                <pubDate>Sat, 06 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8963</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/tw8RpTIvGREHnwhfkQw4LyH41QubuXQP1DV2L2yJ.mp3"  length="56936480"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement is an exciting time and often filled with relaxation, adventure, or a combination of both. But for some, retirement can be difficult and bring on feelings of aimlessness, boredom, or even fear. In this show, we interview a retiree who has engaged in a very interesting and inspiring strategy to ward off potential doldrums of retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement is an exciting time and often filled with relaxation, adventure, or a combination of both. But for some, retirement can be difficult and bring on feelings of aimlessness, boredom, or even fear. In this show, we interview a retiree who has engaged in a very interesting and inspiring strategy to ward off potential doldrums of retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Annuities are a Tax Problem]]>
                </title>
                                <description>
                                            <![CDATA[Non-qualified annuities, funded with after-tax dollars, have distinct tax implications. In this show we go over the special rules and tax implications of owning an annuity outside of an IRA. While some might see these rules as an advantage, others might be paying a steep tax price in the end.]]>
                                    </description>
                <pubDate>Sat, 30 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8948</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gDpdaj2vLE8MuB0MCLx6auP06F89JBA4AW4RGMPi.mp3"  length="33392480"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Non-qualified annuities, funded with after-tax dollars, have distinct tax implications. In this show we go over the special rules and tax implications of owning an annuity outside of an IRA. While some might see these rules as an advantage, others might be paying a steep tax price in the end.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Non-qualified annuities, funded with after-tax dollars, have distinct tax implications. In this show we go over the special rules and tax implications of owning an annuity outside of an IRA. While some might see these rules as an advantage, others might be paying a steep tax price in the end.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Extra $1k Deduction in OBBBA]]>
                </title>
                                <description>
                                            <![CDATA[The One Big Beautiful Bill Act added an additional $1,000 &quot;above the line&quot; tax deduction. This allows donations to charity to be deducted without having to itemize your tax return. Listen in to take advantage of this extra deduction starting in 2026.]]>
                                    </description>
                <pubDate>Sat, 23 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8894</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/nae7YvcokidLJcBxDSo0Ssalywsc9k5OVcqaWWSd.mp3"  length="20794776"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The One Big Beautiful Bill Act added an additional $1,000 &quot;above the line&quot; tax deduction. This allows donations to charity to be deducted without having to itemize your tax return. Listen in to take advantage of this extra deduction starting in 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The One Big Beautiful Bill Act added an additional $1,000 &quot;above the line&quot; tax deduction. This allows donations to charity to be deducted without having to itemize your tax return. Listen in to take advantage of this extra deduction starting in 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Fear of Spending in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Many people struggle to save enough for retirement. Surprisingly, many also retire and struggle to spend the money they saved! In this show we discuss common fears and anxieties retirees face and strategies to break through and enjoy retirement.]]>
                                    </description>
                <pubDate>Sat, 16 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8873</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/S6yqq08nKxANkDycs21Reili5p65Vd6MD4VjL38c.mp3"  length="46566752"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people struggle to save enough for retirement. Surprisingly, many also retire and struggle to spend the money they saved! In this show we discuss common fears and anxieties retirees face and strategies to break through and enjoy retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people struggle to save enough for retirement. Surprisingly, many also retire and struggle to spend the money they saved! In this show we discuss common fears and anxieties retirees face and strategies to break through and enjoy retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[No More Capital Gains Tax on Primary Home Sales]]>
                </title>
                                <description>
                                            <![CDATA[Legislation was recently introduced to the House of Representatives to remove the capital gains tax on the sale of primary homes. In this show we talk about the $250,000 limit, what is at stake, and how this might impact retirees in a major way.]]>
                                    </description>
                <pubDate>Sat, 09 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8821</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/rA6QuxKHLZDCqZC0EhByVUwetdzxWWCWBV7ib6d9.mp3"  length="36732128"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Legislation was recently introduced to the House of Representatives to remove the capital gains tax on the sale of primary homes. In this show we talk about the $250,000 limit, what is at stake, and how this might impact retirees in a major way.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Legislation was recently introduced to the House of Representatives to remove the capital gains tax on the sale of primary homes. In this show we talk about the $250,000 limit, what is at stake, and how this might impact retirees in a major way.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Big Expenses During Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Big expenses during retirement do happen, often unexpectedly. What are some of these expenses and what are some strategies retirees can use to manage the cash outflow without risking their overall retirement success?]]>
                                    </description>
                <pubDate>Sat, 02 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8800</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/2BkCwmbVZS4zj9mk5Ms474RZkdvf4LF2RphZE1Ry.mp3"  length="38159456"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Big expenses during retirement do happen, often unexpectedly. What are some of these expenses and what are some strategies retirees can use to manage the cash outflow without risking their overall retirement success?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Big expenses during retirement do happen, often unexpectedly. What are some of these expenses and what are some strategies retirees can use to manage the cash outflow without risking their overall retirement success?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[$6000 Bonus Deduction for Seniors Age 65 and Older]]>
                </title>
                                <description>
                                            <![CDATA[A $6,000 Bonus Deduction is part of the One Big Beautiful Bill Act. In this show we discuss the details of this new tax deduction, how it works, and some of the limitations. We also address the myth that this is an elimination of Social Security taxes.]]>
                                    </description>
                <pubDate>Sat, 26 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8776</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/fDJaANX2zAmub5VdAjW4oBCR74NrFeofje7vSv1K.mp3"  length="33439128"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A $6,000 Bonus Deduction is part of the One Big Beautiful Bill Act. In this show we discuss the details of this new tax deduction, how it works, and some of the limitations. We also address the myth that this is an elimination of Social Security taxes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 26 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A $6,000 Bonus Deduction is part of the One Big Beautiful Bill Act. In this show we discuss the details of this new tax deduction, how it works, and some of the limitations. We also address the myth that this is an elimination of Social Security taxes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Gambling in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[How tax changes in the One Big Beautiful Bill Act impacts winning gamblers. There are new tax rules about gambling winnings and losses in the One Big Beautiful Bill Act. In particular, the new rule limits using only 90% of gambling losses to offset gambling winnings. This could have a life-changing impact on certain people who do a lot of &quot;gambling.&quot; Do you pay taxes on your gambling winnings?]]>
                                    </description>
                <pubDate>Sat, 19 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8754</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/tGGJA5PNA6CgMMrPPFkLSkqtPSrd4pXnpAkAvfY0.mp3"  length="36531680"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How tax changes in the One Big Beautiful Bill Act impacts winning gamblers. There are new tax rules about gambling winnings and losses in the One Big Beautiful Bill Act. In particular, the new rule limits using only 90% of gambling losses to offset gambling winnings. This could have a life-changing impact on certain people who do a lot of &quot;gambling.&quot; Do you pay taxes on your gambling winnings?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 19 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How tax changes in the One Big Beautiful Bill Act impacts winning gamblers. There are new tax rules about gambling winnings and losses in the One Big Beautiful Bill Act. In particular, the new rule limits using only 90% of gambling losses to offset gambling winnings. This could have a life-changing impact on certain people who do a lot of &quot;gambling.&quot; Do you pay taxes on your gambling winnings?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[One, Big, Beautiful Bill Act&#039;s Impact on Retirement]]>
                </title>
                                <description>
                                            <![CDATA[The &quot;One, Big, Beautiful Bill Act&quot; has just been signed into law, bringing significant changes that will impact your retirement. This episode breaks down the key provisions, from new tax deductions for seniors and permanent tax rate extensions, to potential shifts in healthcare and Required Minimum Distributions (RMDs). Tune in to understand how this sweeping legislation could reshape your financial future and what steps you need to take now.]]>
                                    </description>
                <pubDate>Sat, 12 Jul 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8716</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ktZd054LjovDHNqrgh5HnQQNzBn5X1Afah4rxVMp.mp3"  length="35407328"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The &quot;One, Big, Beautiful Bill Act&quot; has just been signed into law, bringing significant changes that will impact your retirement. This episode breaks down the key provisions, from new tax deductions for seniors and permanent tax rate extensions, to potential shifts in healthcare and Required Minimum Distributions (RMDs). Tune in to understand how this sweeping legislation could reshape your financial future and what steps you need to take now.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 12 Jul 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The &quot;One, Big, Beautiful Bill Act&quot; has just been signed into law, bringing significant changes that will impact your retirement. This episode breaks down the key provisions, from new tax deductions for seniors and permanent tax rate extensions, to potential shifts in healthcare and Required Minimum Distributions (RMDs). Tune in to understand how this sweeping legislation could reshape your financial future and what steps you need to take now.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Millions Losing Health Insurance?]]>
                </title>
                                <description>
                                            <![CDATA[The House of Representatives is adjusting the One, Big, Beautiful Bill and some parts greatly impact our health insurance system. In particular, the ACA subsidies that many rely on to afford health insurance are being reduced or eliminated. Does this really mean millions will lose coverage?]]>
                                    </description>
                <pubDate>Fri, 27 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8665</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/7c0RphSjlviEKoUCKUNTi50oRI7uiSOKC9kVwRWo.mp3"  length="43960583"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The House of Representatives is adjusting the One, Big, Beautiful Bill and some parts greatly impact our health insurance system. In particular, the ACA subsidies that many rely on to afford health insurance are being reduced or eliminated. Does this really mean millions will lose coverage?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 27 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The House of Representatives is adjusting the One, Big, Beautiful Bill and some parts greatly impact our health insurance system. In particular, the ACA subsidies that many rely on to afford health insurance are being reduced or eliminated. Does this really mean millions will lose coverage?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Insolvent in 2033]]>
                </title>
                                <description>
                                            <![CDATA[This episode confronts the stark reality of Social Security&#039;s projected insolvency in 2033, exploring what that means for current and future retirees. We&#039;ll delve into the potential implications of benefit reductions and discuss actionable strategies individuals can employ to bolster their own retirement security. Tune in to understand the challenges and discover potential solutions to navigate this critical financial crossroads.]]>
                                    </description>
                <pubDate>Sat, 21 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8632</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/WEAedq8Gz8pMYredC3kdTvmylQjn8Q1ZD0NumOeq.mp3"  length="33444896"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode confronts the stark reality of Social Security&#039;s projected insolvency in 2033, exploring what that means for current and future retirees. We&#039;ll delve into the potential implications of benefit reductions and discuss actionable strategies individuals can employ to bolster their own retirement security. Tune in to understand the challenges and discover potential solutions to navigate this critical financial crossroads.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode confronts the stark reality of Social Security&#039;s projected insolvency in 2033, exploring what that means for current and future retirees. We&#039;ll delve into the potential implications of benefit reductions and discuss actionable strategies individuals can employ to bolster their own retirement security. Tune in to understand the challenges and discover potential solutions to navigate this critical financial crossroads.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Age 70 for Full Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Social Security full retirement age is currently 67 and there is talk to increase it to age 70. Recently, the country of Denmark passed laws increasing their full pension age to age 70. Will the U.S. follow this lead to help secure the future of Social Security?]]>
                                    </description>
                <pubDate>Sat, 14 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8593</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/8lLBERwO6qyBcthaUxmF2LhK962diIbZcBxQlf8z.mp3"  length="28888160"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security full retirement age is currently 67 and there is talk to increase it to age 70. Recently, the country of Denmark passed laws increasing their full pension age to age 70. Will the U.S. follow this lead to help secure the future of Social Security?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security full retirement age is currently 67 and there is talk to increase it to age 70. Recently, the country of Denmark passed laws increasing their full pension age to age 70. Will the U.S. follow this lead to help secure the future of Social Security?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Survivor Benefits - Automatically Switching]]>
                </title>
                                <description>
                                            <![CDATA[If you are on Social Security and your spouse dies (or ex-spouse dies), do you automatically switch to the Survivor Benefit? In some cases, the switch is automatic, and in other cases it is not. In this show we discuss why it&#039;s important to consider not switching to Survivor benefits right away and also explain when the Social Security Administration will automatically make the switch for you.]]>
                                    </description>
                <pubDate>Sat, 07 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8559</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/R2s2OQAATadBoCbJWmxDlUrAtZKXxgsN8CLPVNYQ.mp3"  length="25192544"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you are on Social Security and your spouse dies (or ex-spouse dies), do you automatically switch to the Survivor Benefit? In some cases, the switch is automatic, and in other cases it is not. In this show we discuss why it&#039;s important to consider not switching to Survivor benefits right away and also explain when the Social Security Administration will automatically make the switch for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you are on Social Security and your spouse dies (or ex-spouse dies), do you automatically switch to the Survivor Benefit? In some cases, the switch is automatic, and in other cases it is not. In this show we discuss why it&#039;s important to consider not switching to Survivor benefits right away and also explain when the Social Security Administration will automatically make the switch for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[One Big Beautiful Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In May of 2025, the House passed the &quot;One Big, Beautiful, Tax Bill.&quot; It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.]]>
                                    </description>
                <pubDate>Fri, 30 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8431</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/mMDShISIHmPIz3mYhYscHdqeKWpdB5F2SLvSNyN5.mp3"  length="36564512"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In May of 2025, the House passed the &quot;One Big, Beautiful, Tax Bill.&quot; It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 30 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In May of 2025, the House passed the &quot;One Big, Beautiful, Tax Bill.&quot; It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Spending Trends for Spouses with Separate Retirement Dates]]>
                </title>
                                <description>
                                            <![CDATA[Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.]]>
                                    </description>
                <pubDate>Fri, 23 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8418</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gT5zqsr02avCHw3QWvHEzfwaojYGdOLDasOOCyW3.mp3"  length="36907808"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 23 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Ex-Spousal Social Security Benefits]]>
                </title>
                                <description>
                                            <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.]]>
                                    </description>
                <pubDate>Fri, 16 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8377</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/nch8XKvwC0NXSy5RsgsrufW38RtM4usQSylGXzhf.mp3"  length="28869728"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 16 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Spousal Benefits]]>
                </title>
                                <description>
                                            <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.]]>
                                    </description>
                <pubDate>Fri, 09 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8347</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/gpfFW7tP7oSlsQtMcR0qGLdWksIeUGwFMmxkt28r.mp3"  length="15002528"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 09 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse&#039;s work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[401k vs Pension]]>
                </title>
                                <description>
                                            <![CDATA[Which is better for retirement - a 401k or a Pension. We review the pros and cons of each retirement plan and decide which is preferrable for retirement planning. At age 62, would you rather have $1 million in a 401k or $75,000 per year in lifetime income?]]>
                                    </description>
                <pubDate>Fri, 02 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8325</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/mIC4q5gXUj7pFSTE7nRxGIVcdKgWvBVWRrlPo0sr.mp3"  length="47250464"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Which is better for retirement - a 401k or a Pension. We review the pros and cons of each retirement plan and decide which is preferrable for retirement planning. At age 62, would you rather have $1 million in a 401k or $75,000 per year in lifetime income?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 02 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Which is better for retirement - a 401k or a Pension. We review the pros and cons of each retirement plan and decide which is preferrable for retirement planning. At age 62, would you rather have $1 million in a 401k or $75,000 per year in lifetime income?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Want a Market Crash]]>
                </title>
                                <description>
                                            <![CDATA[Are there people, including those close to retirement, that want to see a stock market correction? In this show we talk about the six types of people that enjoy Bear Markets and why you may want to be one of them.]]>
                                    </description>
                <pubDate>Fri, 25 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8297</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/ojDaLVzhv7TSlXkVeHA2VYvwMr4rmD6PLdzJN9wl.mp3"  length="34028960"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are there people, including those close to retirement, that want to see a stock market correction? In this show we talk about the six types of people that enjoy Bear Markets and why you may want to be one of them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 25 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are there people, including those close to retirement, that want to see a stock market correction? In this show we talk about the six types of people that enjoy Bear Markets and why you may want to be one of them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring in a Bear Market]]>
                </title>
                                <description>
                                            <![CDATA[Retiring is a difficult task for many. If you happen to time retirement during a bear market, it may make things even more difficult. What should people do to alleviate the pressures associated with retiring as the market is going down?]]>
                                    </description>
                <pubDate>Fri, 18 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8270</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/8D1shP4KnEbhezyu22UUwIXSHLv77gK93DHqjDQA.mp3"  length="39906464"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retiring is a difficult task for many. If you happen to time retirement during a bear market, it may make things even more difficult. What should people do to alleviate the pressures associated with retiring as the market is going down?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 18 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retiring is a difficult task for many. If you happen to time retirement during a bear market, it may make things even more difficult. What should people do to alleviate the pressures associated with retiring as the market is going down?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[More Expensive to Retire in Florida]]>
                </title>
                                <description>
                                            <![CDATA[Where has it been getting more expensive to retire? Is Florida the &quot;best&quot; place to retire, or has it become the most expensive. The answer depends on who you ask. In this show we review three recent studies that show how expensive it has become to retire in the Sunshine State and elsewhere.]]>
                                    </description>
                <pubDate>Fri, 11 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8241</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Y0eitfh66DOUeIFLrTktxHwlnnNi44eMj4gVaplO.mp3"  length="39698528"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Where has it been getting more expensive to retire? Is Florida the &quot;best&quot; place to retire, or has it become the most expensive. The answer depends on who you ask. In this show we review three recent studies that show how expensive it has become to retire in the Sunshine State and elsewhere.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 11 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Where has it been getting more expensive to retire? Is Florida the &quot;best&quot; place to retire, or has it become the most expensive. The answer depends on who you ask. In this show we review three recent studies that show how expensive it has become to retire in the Sunshine State and elsewhere.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security &amp; DOGE]]>
                </title>
                                <description>
                                            <![CDATA[Social Security is a big government program in the crosshairs of the Department of Government Efficiency (DOGE). Changes to the SSA in 2025 have been happening at a relatively face past (for a government agency). Are the rumors about how these changes are hurting the overall program and services true?]]>
                                    </description>
                <pubDate>Fri, 04 Apr 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8185</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250404-73415-Wendol.mp3"  length="51083744"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security is a big government program in the crosshairs of the Department of Government Efficiency (DOGE). Changes to the SSA in 2025 have been happening at a relatively face past (for a government agency). Are the rumors about how these changes are hurting the overall program and services true?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 04 Apr 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security is a big government program in the crosshairs of the Department of Government Efficiency (DOGE). Changes to the SSA in 2025 have been happening at a relatively face past (for a government agency). Are the rumors about how these changes are hurting the overall program and services true?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sacrificing Retirement for an Adult Child]]>
                </title>
                                <description>
                                            <![CDATA[More people are helping their adult children financially according to a 2025 survey. With the average support to an adult child of over $1,400 per month, this can become quite a drag on retirement savings. In this show we talk about the emotional and often difficult choices involved in this situation.]]>
                                    </description>
                <pubDate>Fri, 28 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8153</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250328-73414-Wendol.mp3"  length="38298848"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[More people are helping their adult children financially according to a 2025 survey. With the average support to an adult child of over $1,400 per month, this can become quite a drag on retirement savings. In this show we talk about the emotional and often difficult choices involved in this situation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 28 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[More people are helping their adult children financially according to a 2025 survey. With the average support to an adult child of over $1,400 per month, this can become quite a drag on retirement savings. In this show we talk about the emotional and often difficult choices involved in this situation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[60-Day IRA Rollover Rule]]>
                </title>
                                <description>
                                            <![CDATA[When you are moving your retirement funds from one account to another, it&#039;s important to follow the IRS rules, particularly if you are doing an indirect rollover. Be sure you are aware of the 60-Day rule to avoid taxes and a potential penalty when you least want it!]]>
                                    </description>
                <pubDate>Fri, 21 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8120</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250321-73413-Wendol.mp3"  length="34240352"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When you are moving your retirement funds from one account to another, it&#039;s important to follow the IRS rules, particularly if you are doing an indirect rollover. Be sure you are aware of the 60-Day rule to avoid taxes and a potential penalty when you least want it!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 21 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When you are moving your retirement funds from one account to another, it&#039;s important to follow the IRS rules, particularly if you are doing an indirect rollover. Be sure you are aware of the 60-Day rule to avoid taxes and a potential penalty when you least want it!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Shortfall Preparation]]>
                </title>
                                <description>
                                            <![CDATA[Social Security payments are projected to fall short in the near future. How might this impact retirees and should claiming strategies adjust based on this potential income decrease?]]>
                                    </description>
                <pubDate>Fri, 14 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8083</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250314-73412-Wendol.mp3"  length="41836064"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security payments are projected to fall short in the near future. How might this impact retirees and should claiming strategies adjust based on this potential income decrease?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 14 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security payments are projected to fall short in the near future. How might this impact retirees and should claiming strategies adjust based on this potential income decrease?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Free Social Security]]>
                </title>
                                <description>
                                            <![CDATA[There has been proposals to eliminate taxation of Social Security income. What once was tax free, may become tax free again! Does this potential change impact filing strategies? Should you adjust when you claim based on this potential tax change?]]>
                                    </description>
                <pubDate>Fri, 07 Mar 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8050</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250307-73411-Wendol.mp3"  length="34567520"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There has been proposals to eliminate taxation of Social Security income. What once was tax free, may become tax free again! Does this potential change impact filing strategies? Should you adjust when you claim based on this potential tax change?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 07 Mar 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There has been proposals to eliminate taxation of Social Security income. What once was tax free, may become tax free again! Does this potential change impact filing strategies? Should you adjust when you claim based on this potential tax change?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Buckets in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Not all assets are taxed the same. In retirement, taxes can be your biggest expense. This is why properly structuring your assets into different tax buckets can be a very smart financial planning strategy. In this show we talk about three tax buckets (Taxable, Tax Deferred, Tax Free) and debate which one is the &quot;best&quot; for retirees.]]>
                                    </description>
                <pubDate>Fri, 28 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8023</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250228-73410-Wendol.mp3"  length="43159712"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Not all assets are taxed the same. In retirement, taxes can be your biggest expense. This is why properly structuring your assets into different tax buckets can be a very smart financial planning strategy. In this show we talk about three tax buckets (Taxable, Tax Deferred, Tax Free) and debate which one is the &quot;best&quot; for retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 28 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Not all assets are taxed the same. In retirement, taxes can be your biggest expense. This is why properly structuring your assets into different tax buckets can be a very smart financial planning strategy. In this show we talk about three tax buckets (Taxable, Tax Deferred, Tax Free) and debate which one is the &quot;best&quot; for retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Income Buckets]]>
                </title>
                                <description>
                                            <![CDATA[Replacing your income when you retire is an important task. There are many different strategies to generate the income you need to live after your paycheck ends. One seemingly simple strategy is using Retirement Income Buckets. Is the &quot;Bucket Approach&quot; to retirement income as simple as is often made out to be?]]>
                                    </description>
                <pubDate>Sat, 22 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8007</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250221-73409-Wendol.mp3"  length="38329952"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Replacing your income when you retire is an important task. There are many different strategies to generate the income you need to live after your paycheck ends. One seemingly simple strategy is using Retirement Income Buckets. Is the &quot;Bucket Approach&quot; to retirement income as simple as is often made out to be?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Replacing your income when you retire is an important task. There are many different strategies to generate the income you need to live after your paycheck ends. One seemingly simple strategy is using Retirement Income Buckets. Is the &quot;Bucket Approach&quot; to retirement income as simple as is often made out to be?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Fill Up Your Tax Bracket]]>
                </title>
                                <description>
                                            <![CDATA[Many people will show more income in order to completely &quot;fill&quot; a tax bracket. This strategy can lead to lower taxes in the long run and is often part of Roth Conversions. However, there are 3 important and often overlooked considerations when implementing this strategy.]]>
                                    </description>
                <pubDate>Fri, 14 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7974</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250214-73408-Wendol.mp3"  length="32405193"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people will show more income in order to completely &quot;fill&quot; a tax bracket. This strategy can lead to lower taxes in the long run and is often part of Roth Conversions. However, there are 3 important and often overlooked considerations when implementing this strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 14 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people will show more income in order to completely &quot;fill&quot; a tax bracket. This strategy can lead to lower taxes in the long run and is often part of Roth Conversions. However, there are 3 important and often overlooked considerations when implementing this strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Surprise Tax Penalty in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[One particular tax penalty that new retirees are surprised by has to do with paying estimated taxes. It&#039;s known as the &quot;Underpayment of Estimated Tax by Individuals Penalty.&quot; This penalty is for those that fail to pay estimated quarterly taxes, which is often something overlooked by new retirees. Learn how to avoid this sneaky tax penalty.]]>
                                    </description>
                <pubDate>Fri, 07 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7948</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250207-73407-Wendol.mp3"  length="28300640"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[One particular tax penalty that new retirees are surprised by has to do with paying estimated taxes. It&#039;s known as the &quot;Underpayment of Estimated Tax by Individuals Penalty.&quot; This penalty is for those that fail to pay estimated quarterly taxes, which is often something overlooked by new retirees. Learn how to avoid this sneaky tax penalty.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 07 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[One particular tax penalty that new retirees are surprised by has to do with paying estimated taxes. It&#039;s known as the &quot;Underpayment of Estimated Tax by Individuals Penalty.&quot; This penalty is for those that fail to pay estimated quarterly taxes, which is often something overlooked by new retirees. Learn how to avoid this sneaky tax penalty.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2025 Update: GPO &amp; WEP Removed]]>
                </title>
                                <description>
                                            <![CDATA[Now that the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) are no longer part of Social Security, what&#039;s next? How and when will I get an increase? What actions should I take now to increase my benefit? What&#039;s the latest from SSA?]]>
                                    </description>
                <pubDate>Sat, 01 Feb 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7935</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250131-73406-Wendol.mp3"  length="26770784"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Now that the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) are no longer part of Social Security, what&#039;s next? How and when will I get an increase? What actions should I take now to increase my benefit? What&#039;s the latest from SSA?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Feb 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Now that the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) are no longer part of Social Security, what&#039;s next? How and when will I get an increase? What actions should I take now to increase my benefit? What&#039;s the latest from SSA?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare Drug Prices: The government is here to help!]]>
                </title>
                                <description>
                                            <![CDATA[Prescription drug prices have been getting quite expensive over the years, particularly for those on Medicare and fixed incomes. However, the government is here to help! Has government price negotiations worked and what can we expect going forward?]]>
                                    </description>
                <pubDate>Fri, 17 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7878</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250117-73405-Wendol.mp3"  length="41952416"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Prescription drug prices have been getting quite expensive over the years, particularly for those on Medicare and fixed incomes. However, the government is here to help! Has government price negotiations worked and what can we expect going forward?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 17 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Prescription drug prices have been getting quite expensive over the years, particularly for those on Medicare and fixed incomes. However, the government is here to help! Has government price negotiations worked and what can we expect going forward?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Maximum Social Security Benefit in 2025]]>
                </title>
                                <description>
                                            <![CDATA[The highest monthly Social Security check in 2025 will be $5,108. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2025.]]>
                                    </description>
                <pubDate>Fri, 10 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7853</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250110-73404-Wendol.mp3"  length="10695776"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The highest monthly Social Security check in 2025 will be $5,108. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2025.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 10 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The highest monthly Social Security check in 2025 will be $5,108. How does one qualify to get that much? In this show we&#039;ll explain the three qualifications a person must have in order to get the maximum amount from Social Security in 2025.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Prescription Costs Going Down]]>
                </title>
                                <description>
                                            <![CDATA[Prescription drug costs on Medicare can be quite expensive. However, the government has set a limit on the out of pocket expenses on Medicare Part D (Prescription Drug) plans. The new $2,000 limit applies to the deductible, the copays, and the coinsurance. But, will this actually reduce the overall cost for prescription drug plans?]]>
                                    </description>
                <pubDate>Fri, 03 Jan 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7845</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/250103-73403-Wendol.mp3"  length="28646008"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Prescription drug costs on Medicare can be quite expensive. However, the government has set a limit on the out of pocket expenses on Medicare Part D (Prescription Drug) plans. The new $2,000 limit applies to the deductible, the copays, and the coinsurance. But, will this actually reduce the overall cost for prescription drug plans?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 03 Jan 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Prescription drug costs on Medicare can be quite expensive. However, the government has set a limit on the out of pocket expenses on Medicare Part D (Prescription Drug) plans. The new $2,000 limit applies to the deductible, the copays, and the coinsurance. But, will this actually reduce the overall cost for prescription drug plans?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Rebalancing Retirement Portfolios]]>
                </title>
                                <description>
                                            <![CDATA[Investment portfolios can get out of balance based on market performance. Many people will rebalance their holdings to get back in line with their original risk levels. However, retirees face a unique set of challenges when it comes to rebalancing. Do retirees even need to rebalance?]]>
                                    </description>
                <pubDate>Thu, 26 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7830</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241226-73402-Wendol.mp3"  length="34615904"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Investment portfolios can get out of balance based on market performance. Many people will rebalance their holdings to get back in line with their original risk levels. However, retirees face a unique set of challenges when it comes to rebalancing. Do retirees even need to rebalance?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Investment portfolios can get out of balance based on market performance. Many people will rebalance their holdings to get back in line with their original risk levels. However, retirees face a unique set of challenges when it comes to rebalancing. Do retirees even need to rebalance?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance is Expensive]]>
                </title>
                                <description>
                                            <![CDATA[If you need health insurance before Medicare (typically age 65), it can be outrageously expensive. In this show we explore the costs for plans in 2025. We also explain how to be able to afford these plans that can easily cost over $20,000 per year.]]>
                                    </description>
                <pubDate>Thu, 19 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7803</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241219-73401-Wendol.mp3"  length="35224160"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you need health insurance before Medicare (typically age 65), it can be outrageously expensive. In this show we explore the costs for plans in 2025. We also explain how to be able to afford these plans that can easily cost over $20,000 per year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you need health insurance before Medicare (typically age 65), it can be outrageously expensive. In this show we explore the costs for plans in 2025. We also explain how to be able to afford these plans that can easily cost over $20,000 per year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Santa Claus Rally]]>
                </title>
                                <description>
                                            <![CDATA[The &quot;Santa Claus Rally&quot; is a term used to describe an increase in the stock market around the Christmas holiday. Based on a term coined in 1972, this market phenomenon has historical data to back it up. Yet, is the Santa Claus Rally a real thing, and if so, should you factor it into your financial plans?]]>
                                    </description>
                <pubDate>Thu, 12 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7775</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241212-73400-Wendol.mp3"  length="24000800"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The &quot;Santa Claus Rally&quot; is a term used to describe an increase in the stock market around the Christmas holiday. Based on a term coined in 1972, this market phenomenon has historical data to back it up. Yet, is the Santa Claus Rally a real thing, and if so, should you factor it into your financial plans?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The &quot;Santa Claus Rally&quot; is a term used to describe an increase in the stock market around the Christmas holiday. Based on a term coined in 1972, this market phenomenon has historical data to back it up. Yet, is the Santa Claus Rally a real thing, and if so, should you factor it into your financial plans?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why People Retire Early]]>
                </title>
                                <description>
                                            <![CDATA[Research is showing that nearly 6 in 10 people retire earlier than they planned. Why are they doing this? Is this a case of great savings, poor planning, or unexpected circumstances? In this show, we explore some of the data from a Nov. 2024 study.]]>
                                    </description>
                <pubDate>Thu, 05 Dec 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7753</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241207-73399-Wendol.mp3"  length="37261472"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Research is showing that nearly 6 in 10 people retire earlier than they planned. Why are they doing this? Is this a case of great savings, poor planning, or unexpected circumstances? In this show, we explore some of the data from a Nov. 2024 study.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Dec 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Research is showing that nearly 6 in 10 people retire earlier than they planned. Why are they doing this? Is this a case of great savings, poor planning, or unexpected circumstances? In this show, we explore some of the data from a Nov. 2024 study.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Grateful for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Research is proving that being grateful can improve your finances and increase your longevity. In this show we discuss some research around how practicing gratitude may be a &quot;simple&quot; way to improve your chances of having a successful retirement.]]>
                                    </description>
                <pubDate>Thu, 28 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7727</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241129-73398-Wendol.mp3"  length="26839904"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Research is proving that being grateful can improve your finances and increase your longevity. In this show we discuss some research around how practicing gratitude may be a &quot;simple&quot; way to improve your chances of having a successful retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Research is proving that being grateful can improve your finances and increase your longevity. In this show we discuss some research around how practicing gratitude may be a &quot;simple&quot; way to improve your chances of having a successful retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Fix to Social Security in 2024!? The Social Security Fairness Act and its impact on millions]]>
                </title>
                                <description>
                                            <![CDATA[The Social Security Fairness Act of 2023 just passed House and was sent to the Senate.  It looks like this big change to Social Security will pass the Senate and land on President Biden&#039;s desk for signature.  This law would eliminate the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP), which impacts millions of Americans. H.R.82: https://www.congress.gov/bill/118th-congress/house-bill/82]]>
                                    </description>
                <pubDate>Thu, 21 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7702</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241122-73397-Wendol.mp3"  length="31716896"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Social Security Fairness Act of 2023 just passed House and was sent to the Senate.  It looks like this big change to Social Security will pass the Senate and land on President Biden&#039;s desk for signature.  This law would eliminate the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP), which impacts millions of Americans. H.R.82: https://www.congress.gov/bill/118th-congress/house-bill/82]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Social Security Fairness Act of 2023 just passed House and was sent to the Senate.  It looks like this big change to Social Security will pass the Senate and land on President Biden&#039;s desk for signature.  This law would eliminate the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP), which impacts millions of Americans. H.R.82: https://www.congress.gov/bill/118th-congress/house-bill/82]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Trump, Taxes, &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Now that Donald Trump has been elected for a second term, the tax landscape is more clear. In this show we discuss the changes (or lack thereof) to the tax situation expected during the next four years of a Trump presidency.]]>
                                    </description>
                <pubDate>Thu, 14 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7678</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241115-73396-Wendol.mp3"  length="34916576"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Now that Donald Trump has been elected for a second term, the tax landscape is more clear. In this show we discuss the changes (or lack thereof) to the tax situation expected during the next four years of a Trump presidency.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Now that Donald Trump has been elected for a second term, the tax landscape is more clear. In this show we discuss the changes (or lack thereof) to the tax situation expected during the next four years of a Trump presidency.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Elections &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Many people feel that Presidential elections result in drastic changes in the economy and personal finances. Does this mean you should adjust your major financial plans, such as retirement, based on election outcomes? In this show we talk about the adjustments one might consider during a Presidential election.]]>
                                    </description>
                <pubDate>Thu, 07 Nov 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7653</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241108-73395-Wendol.mp3"  length="39712352"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people feel that Presidential elections result in drastic changes in the economy and personal finances. Does this mean you should adjust your major financial plans, such as retirement, based on election outcomes? In this show we talk about the adjustments one might consider during a Presidential election.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Nov 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people feel that Presidential elections result in drastic changes in the economy and personal finances. Does this mean you should adjust your major financial plans, such as retirement, based on election outcomes? In this show we talk about the adjustments one might consider during a Presidential election.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lost Decade in the Stock Market]]>
                </title>
                                <description>
                                            <![CDATA[Toward the end of 2024, there has been a lot of talk about an upcoming &quot;Lost Decade&quot; for the US Stock market. This is where the stock market performs relatively poorly for a full ten year period, much like the decade from 2000-2010 in which the S&amp;P 500 index was negative. What strategies should those approaching retirement consider under these circumstances?]]>
                                    </description>
                <pubDate>Thu, 31 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7627</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241101-73394-Wendol.mp3"  length="38281568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Toward the end of 2024, there has been a lot of talk about an upcoming &quot;Lost Decade&quot; for the US Stock market. This is where the stock market performs relatively poorly for a full ten year period, much like the decade from 2000-2010 in which the S&amp;P 500 index was negative. What strategies should those approaching retirement consider under these circumstances?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 31 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Toward the end of 2024, there has been a lot of talk about an upcoming &quot;Lost Decade&quot; for the US Stock market. This is where the stock market performs relatively poorly for a full ten year period, much like the decade from 2000-2010 in which the S&amp;P 500 index was negative. What strategies should those approaching retirement consider under these circumstances?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Paying for College]]>
                </title>
                                <description>
                                            <![CDATA[If you can afford to pay for your grandchild&#039;s or child&#039;s college education, should you do it? In this show we talk about the reasons why paying for college might not be the &quot;best&quot; decision financially and socially/emotionally.]]>
                                    </description>
                <pubDate>Thu, 24 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7608</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241024-73393-Wendol.mp3"  length="32502560"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you can afford to pay for your grandchild&#039;s or child&#039;s college education, should you do it? In this show we talk about the reasons why paying for college might not be the &quot;best&quot; decision financially and socially/emotionally.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you can afford to pay for your grandchild&#039;s or child&#039;s college education, should you do it? In this show we talk about the reasons why paying for college might not be the &quot;best&quot; decision financially and socially/emotionally.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cheaper to Rent in Retirement?]]>
                </title>
                                <description>
                                            <![CDATA[Has it become cheaper to rent than to buy and own a home in retirement? In this show we discuss some of recent conditions that are suggesting renting might actually be cheaper. We also discuss the biggest factor in this decision - home equity.]]>
                                    </description>
                <pubDate>Thu, 17 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7587</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241018-73392-Wendol.mp3"  length="26736224"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Has it become cheaper to rent than to buy and own a home in retirement? In this show we discuss some of recent conditions that are suggesting renting might actually be cheaper. We also discuss the biggest factor in this decision - home equity.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Has it become cheaper to rent than to buy and own a home in retirement? In this show we discuss some of recent conditions that are suggesting renting might actually be cheaper. We also discuss the biggest factor in this decision - home equity.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Natural Disasters &amp; Taxes]]>
                </title>
                                <description>
                                            <![CDATA[Natural disasters can be financially devastating. In this show we discuss the tax relief and breaks available to you. Hopefully you only have to deal with financial losses associated with a natural disaster. If so, document everything and know the rules.]]>
                                    </description>
                <pubDate>Thu, 10 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7566</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241010-73391-Wendol.mp3"  length="43728800"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Natural disasters can be financially devastating. In this show we discuss the tax relief and breaks available to you. Hopefully you only have to deal with financial losses associated with a natural disaster. If so, document everything and know the rules.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Natural disasters can be financially devastating. In this show we discuss the tax relief and breaks available to you. Hopefully you only have to deal with financial losses associated with a natural disaster. If so, document everything and know the rules.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spend $218k to Delay Social Security?]]>
                </title>
                                <description>
                                            <![CDATA[Delaying Social Security can lead to more money later, but what if you have to spend down your IRA to do so? In this show we do the math with specific numbers for an average retiree to see if delaying Social Security makes sense.]]>
                                    </description>
                <pubDate>Thu, 03 Oct 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7542</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/241003-73390-Wendol.mp3"  length="35478176"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Delaying Social Security can lead to more money later, but what if you have to spend down your IRA to do so? In this show we do the math with specific numbers for an average retiree to see if delaying Social Security makes sense.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Oct 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Delaying Social Security can lead to more money later, but what if you have to spend down your IRA to do so? In this show we do the math with specific numbers for an average retiree to see if delaying Social Security makes sense.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Deplete Your IRA to Delay Social Security?]]>
                </title>
                                <description>
                                            <![CDATA[Should you delay Social Security if it requires you to deplete your IRA? Does it matter if you are single or married? In this show we discuss how spending down IRA assets early in retirement in order to get a higher Social Security income later can make sense in many situations. Being single does make a difference.]]>
                                    </description>
                <pubDate>Thu, 26 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7519</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240926-73389-Wendol.mp3"  length="39853472"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you delay Social Security if it requires you to deplete your IRA? Does it matter if you are single or married? In this show we discuss how spending down IRA assets early in retirement in order to get a higher Social Security income later can make sense in many situations. Being single does make a difference.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you delay Social Security if it requires you to deplete your IRA? Does it matter if you are single or married? In this show we discuss how spending down IRA assets early in retirement in order to get a higher Social Security income later can make sense in many situations. Being single does make a difference.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Freeze Your Credit]]>
                </title>
                                <description>
                                            <![CDATA[The rise in financial scams and fraud is disheartening and many retirees are failing victim to these crimes. To help prevent fraud, a simple tactic to to freeze your credit. In this show we talk about the how and why of implementing a credit freeze.]]>
                                    </description>
                <pubDate>Thu, 19 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7493</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240920-73388-Wendol.mp3"  length="27536864"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The rise in financial scams and fraud is disheartening and many retirees are failing victim to these crimes. To help prevent fraud, a simple tactic to to freeze your credit. In this show we talk about the how and why of implementing a credit freeze.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The rise in financial scams and fraud is disheartening and many retirees are failing victim to these crimes. To help prevent fraud, a simple tactic to to freeze your credit. In this show we talk about the how and why of implementing a credit freeze.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Gold &amp; Silver in an IRA]]>
                </title>
                                <description>
                                            <![CDATA[There are many ads on TV and radio to diversify your retirement funds by buying Gold/Silver in your IRA. The pitch to avoid stock market volatility and a potential U.S. currency collapse is appealing. Does this strategy makes sense and is everything as great as the spokespeople are suggesting.]]>
                                    </description>
                <pubDate>Thu, 12 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7465</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240913-73387-Wendol.mp3"  length="35188448"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many ads on TV and radio to diversify your retirement funds by buying Gold/Silver in your IRA. The pitch to avoid stock market volatility and a potential U.S. currency collapse is appealing. Does this strategy makes sense and is everything as great as the spokespeople are suggesting.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are many ads on TV and radio to diversify your retirement funds by buying Gold/Silver in your IRA. The pitch to avoid stock market volatility and a potential U.S. currency collapse is appealing. Does this strategy makes sense and is everything as great as the spokespeople are suggesting.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Gambling Away Retirement]]>
                </title>
                                <description>
                                            <![CDATA[According to a recent study, online gambling has had a negative impact on retirement savings. Gambling has always been a part of society, what is different now? Isn&#039;t investing in the stock market a form of gambling anyway? In this show we discuss how gambling in all forms has recently changed the way people are saving for retirement.]]>
                                    </description>
                <pubDate>Thu, 05 Sep 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7439</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240905-73386-Wendol.mp3"  length="31420256"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to a recent study, online gambling has had a negative impact on retirement savings. Gambling has always been a part of society, what is different now? Isn&#039;t investing in the stock market a form of gambling anyway? In this show we discuss how gambling in all forms has recently changed the way people are saving for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Sep 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to a recent study, online gambling has had a negative impact on retirement savings. Gambling has always been a part of society, what is different now? Isn&#039;t investing in the stock market a form of gambling anyway? In this show we discuss how gambling in all forms has recently changed the way people are saving for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Who Will Fix Social Security?]]>
                </title>
                                <description>
                                            <![CDATA[Social Security needs to be fixed and someone needs to step up and be a leader to make the changes needed. Who is going to be that leader? Will it be Trump or Harris? Or, perhaps it will be Biden as he finishes his term as President. Tune in as we discuss these possibilities.]]>
                                    </description>
                <pubDate>Thu, 29 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7417</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240829-73384-Wendol.mp3"  length="33154016"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security needs to be fixed and someone needs to step up and be a leader to make the changes needed. Who is going to be that leader? Will it be Trump or Harris? Or, perhaps it will be Biden as he finishes his term as President. Tune in as we discuss these possibilities.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 29 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security needs to be fixed and someone needs to step up and be a leader to make the changes needed. Who is going to be that leader? Will it be Trump or Harris? Or, perhaps it will be Biden as he finishes his term as President. Tune in as we discuss these possibilities.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Beware! Retirement Accounts at Highs]]>
                </title>
                                <description>
                                            <![CDATA[According to Fidelity, retirement accounts are the highest they have been since 2021. In fact, Gen X has higher balances than the Boomers! This may seem like a great thing, which it is...but watch out! Those approaching retirement with large retirement accounts should watch out for a huge pitfall known as &quot;sequence risk.&quot;]]>
                                    </description>
                <pubDate>Thu, 22 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7393</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240822-73385-Wendol.mp3"  length="27073142"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to Fidelity, retirement accounts are the highest they have been since 2021. In fact, Gen X has higher balances than the Boomers! This may seem like a great thing, which it is...but watch out! Those approaching retirement with large retirement accounts should watch out for a huge pitfall known as &quot;sequence risk.&quot;]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to Fidelity, retirement accounts are the highest they have been since 2021. In fact, Gen X has higher balances than the Boomers! This may seem like a great thing, which it is...but watch out! Those approaching retirement with large retirement accounts should watch out for a huge pitfall known as &quot;sequence risk.&quot;]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[78% of Retiree Group Runs Out of Money]]>
                </title>
                                <description>
                                            <![CDATA[One particular group of retirees runs low on money at a much higher rate than others In this show we talk about who this group is and how the particular issues they face are not too different from those faced by most retirees. Listen and learn from others to help avoid a top retirement fear.]]>
                                    </description>
                <pubDate>Thu, 15 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7366</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240815-73383-Wendol.mp3"  length="30054560"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[One particular group of retirees runs low on money at a much higher rate than others In this show we talk about who this group is and how the particular issues they face are not too different from those faced by most retirees. Listen and learn from others to help avoid a top retirement fear.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[One particular group of retirees runs low on money at a much higher rate than others In this show we talk about who this group is and how the particular issues they face are not too different from those faced by most retirees. Listen and learn from others to help avoid a top retirement fear.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare Advantage vs Supplement - Which is used more and why?]]>
                </title>
                                <description>
                                            <![CDATA[According to a recent research paper, those with Medicare Supplements use the services more often and cost more to the overall system. However, generally speaking, Supplement users are healthier. In this show we discuss the research as to why this is the case, and then Dan gives his practical reasons that aren&#039;t mentioned in the research.]]>
                                    </description>
                <pubDate>Thu, 08 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7340</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240808-73382-Wendol.mp3"  length="31366688"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to a recent research paper, those with Medicare Supplements use the services more often and cost more to the overall system. However, generally speaking, Supplement users are healthier. In this show we discuss the research as to why this is the case, and then Dan gives his practical reasons that aren&#039;t mentioned in the research.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to a recent research paper, those with Medicare Supplements use the services more often and cost more to the overall system. However, generally speaking, Supplement users are healthier. In this show we discuss the research as to why this is the case, and then Dan gives his practical reasons that aren&#039;t mentioned in the research.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inherited IRA Distribution Rules]]>
                </title>
                                <description>
                                            <![CDATA[The IRS finally published guidance in 2024 on the details that have been missing regarding Inherited IRAs. The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do regarding Required Minimum Distributions (RMDs) when inheriting an Individual Retirement Account (IRA).]]>
                                    </description>
                <pubDate>Thu, 01 Aug 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7321</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240802-73381-Wendol.mp3"  length="34469024"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The IRS finally published guidance in 2024 on the details that have been missing regarding Inherited IRAs. The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do regarding Required Minimum Distributions (RMDs) when inheriting an Individual Retirement Account (IRA).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Aug 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The IRS finally published guidance in 2024 on the details that have been missing regarding Inherited IRAs. The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do regarding Required Minimum Distributions (RMDs) when inheriting an Individual Retirement Account (IRA).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Much Cash Do Retirees Need?]]>
                </title>
                                <description>
                                            <![CDATA[Many in retirement like to keep a decent chunk of change in their checking &amp; savings accounts at the bank. Others like to have physical cash on hand. How much is too much or too little? Is there a proper amount to keep handy for financial emergencies in retirement?]]>
                                    </description>
                <pubDate>Thu, 25 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7297</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240725-73380-Wendol.mp3"  length="32382752"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many in retirement like to keep a decent chunk of change in their checking &amp; savings accounts at the bank. Others like to have physical cash on hand. How much is too much or too little? Is there a proper amount to keep handy for financial emergencies in retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many in retirement like to keep a decent chunk of change in their checking &amp; savings accounts at the bank. Others like to have physical cash on hand. How much is too much or too little? Is there a proper amount to keep handy for financial emergencies in retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Silver Squatters - Gen X Needs Help]]>
                </title>
                                <description>
                                            <![CDATA[According to a recent study, nearly a quarter (24%) of 55-year-olds expect to need financial support from family in retirement . Is Gen X going to have to move in to live with their parents or kids in order to be able to retire?]]>
                                    </description>
                <pubDate>Thu, 18 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7273</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240718-73379-Wendol.mp3"  length="30102368"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to a recent study, nearly a quarter (24%) of 55-year-olds expect to need financial support from family in retirement . Is Gen X going to have to move in to live with their parents or kids in order to be able to retire?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to a recent study, nearly a quarter (24%) of 55-year-olds expect to need financial support from family in retirement . Is Gen X going to have to move in to live with their parents or kids in order to be able to retire?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Need $1.5 Million to Retire?]]>
                </title>
                                <description>
                                            <![CDATA[A recent survey says Americans believe they need $1.46 million to retire. In this show we discuss how ridiculous this number is and why people shouldn&#039;t be caught up in such a sensational (and potentially depressing) headline number.]]>
                                    </description>
                <pubDate>Thu, 11 Jul 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7249</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240711-73378-Wendol.mp3"  length="30436448"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A recent survey says Americans believe they need $1.46 million to retire. In this show we discuss how ridiculous this number is and why people shouldn&#039;t be caught up in such a sensational (and potentially depressing) headline number.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Jul 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A recent survey says Americans believe they need $1.46 million to retire. In this show we discuss how ridiculous this number is and why people shouldn&#039;t be caught up in such a sensational (and potentially depressing) headline number.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retire by 62?]]>
                </title>
                                <description>
                                            <![CDATA[Since 2020, more people are expecting to stop working full time by they time they reach age 62. The data we explore suggests a significant increase of the number of people who expect to retire sooner than those asked in years past. In this show we discuss what might be causing this move to plan for &quot;early&quot; retirement.]]>
                                    </description>
                <pubDate>Thu, 27 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7209</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240627-73377-Wendol.mp3"  length="34763314"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Since 2020, more people are expecting to stop working full time by they time they reach age 62. The data we explore suggests a significant increase of the number of people who expect to retire sooner than those asked in years past. In this show we discuss what might be causing this move to plan for &quot;early&quot; retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Since 2020, more people are expecting to stop working full time by they time they reach age 62. The data we explore suggests a significant increase of the number of people who expect to retire sooner than those asked in years past. In this show we discuss what might be causing this move to plan for &quot;early&quot; retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Simple Retirements Are Back?]]>
                </title>
                                <description>
                                            <![CDATA[What happened to the simple retirement plans from a generation ago? Retiring in the 1960s meant a pension and a relatively stress free financial life. Today we are creating complex retirement plans and financial stress is high. In this show, we talk about how it is possible to go back to &quot;the good old days&quot; of retirement and question why we don&#039;t do so.]]>
                                    </description>
                <pubDate>Thu, 20 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7184</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240620-73376-Wendol.mp3"  length="31087328"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happened to the simple retirement plans from a generation ago? Retiring in the 1960s meant a pension and a relatively stress free financial life. Today we are creating complex retirement plans and financial stress is high. In this show, we talk about how it is possible to go back to &quot;the good old days&quot; of retirement and question why we don&#039;t do so.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happened to the simple retirement plans from a generation ago? Retiring in the 1960s meant a pension and a relatively stress free financial life. Today we are creating complex retirement plans and financial stress is high. In this show, we talk about how it is possible to go back to &quot;the good old days&quot; of retirement and question why we don&#039;t do so.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Surprise Medicare Surtax]]>
                </title>
                                <description>
                                            <![CDATA[Many people are surprised when they get an Income Related Monthly Adjustment Amount (IRMAA) letter from Medicare demanding higher payment for Part B and Part D (prescription drugs). In this show we talk about the main ways people get surprised by IRMAA and how to appeal if you get such a surcharge.]]>
                                    </description>
                <pubDate>Sat, 15 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7165</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240615-73375-Wendol.mp3"  length="32489312"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people are surprised when they get an Income Related Monthly Adjustment Amount (IRMAA) letter from Medicare demanding higher payment for Part B and Part D (prescription drugs). In this show we talk about the main ways people get surprised by IRMAA and how to appeal if you get such a surcharge.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people are surprised when they get an Income Related Monthly Adjustment Amount (IRMAA) letter from Medicare demanding higher payment for Part B and Part D (prescription drugs). In this show we talk about the main ways people get surprised by IRMAA and how to appeal if you get such a surcharge.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Claiming Social Security Early is Wrong]]>
                </title>
                                <description>
                                            <![CDATA[Many of the reasons people claim Social Security before their full retirement age are flawed. In this show we scrutinize the most common reasons why people are claiming early. From &quot;breakeven&quot; analysis, to getting better returns elsewhere, to Social Security going bankrupt, the justifications are questionable.]]>
                                    </description>
                <pubDate>Sat, 08 Jun 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7146</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240608-73374-Wendol.mp3"  length="38231456"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many of the reasons people claim Social Security before their full retirement age are flawed. In this show we scrutinize the most common reasons why people are claiming early. From &quot;breakeven&quot; analysis, to getting better returns elsewhere, to Social Security going bankrupt, the justifications are questionable.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Jun 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many of the reasons people claim Social Security before their full retirement age are flawed. In this show we scrutinize the most common reasons why people are claiming early. From &quot;breakeven&quot; analysis, to getting better returns elsewhere, to Social Security going bankrupt, the justifications are questionable.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lock in a CD Rate Now?]]>
                </title>
                                <description>
                                            <![CDATA[CD rates haven&#039;t been this high since almost 20 years ago. Is now the time to lock up these relatively high interest rates? If so, how long should a person lock in a CD rate - 1 year, 2 years, 5 years, 10 years? What about 100 years!? Does the decision change if you are close to or already in retirement?]]>
                                    </description>
                <pubDate>Fri, 24 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7098</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240524-73373-Wendol.mp3"  length="41393120"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[CD rates haven&#039;t been this high since almost 20 years ago. Is now the time to lock up these relatively high interest rates? If so, how long should a person lock in a CD rate - 1 year, 2 years, 5 years, 10 years? What about 100 years!? Does the decision change if you are close to or already in retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 24 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[CD rates haven&#039;t been this high since almost 20 years ago. Is now the time to lock up these relatively high interest rates? If so, how long should a person lock in a CD rate - 1 year, 2 years, 5 years, 10 years? What about 100 years!? Does the decision change if you are close to or already in retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Convert an RMD Into a Roth IRA]]>
                </title>
                                <description>
                                            <![CDATA[Can you take a Required Minimum Distribution, pay the taxes, and convert that amount into an IRA? Does the 5-Year Rule apply to Roth conversions and does a new 5-year period start each time you make a conversion? In this show we answer both of these very common (and misunderstood) questions.]]>
                                    </description>
                <pubDate>Fri, 17 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7074</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240517-73372-Wendol.mp3"  length="28341297"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can you take a Required Minimum Distribution, pay the taxes, and convert that amount into an IRA? Does the 5-Year Rule apply to Roth conversions and does a new 5-year period start each time you make a conversion? In this show we answer both of these very common (and misunderstood) questions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 17 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can you take a Required Minimum Distribution, pay the taxes, and convert that amount into an IRA? Does the 5-Year Rule apply to Roth conversions and does a new 5-year period start each time you make a conversion? In this show we answer both of these very common (and misunderstood) questions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Advisor is Wrong About Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Claiming Social Security early is often the WRONG financial strategy. But what if that is what your &quot;financial advisor&quot; has recommended? New research suggests that this advice may actually not be in YOUR best interests, but in the best interest of the advisor. Listen in as we discuss the bias that some financial people have when it comes to guiding people on Social Security.]]>
                                    </description>
                <pubDate>Fri, 10 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7048</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240510-73371-Wendol.mp3"  length="34585952"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Claiming Social Security early is often the WRONG financial strategy. But what if that is what your &quot;financial advisor&quot; has recommended? New research suggests that this advice may actually not be in YOUR best interests, but in the best interest of the advisor. Listen in as we discuss the bias that some financial people have when it comes to guiding people on Social Security.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 10 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Claiming Social Security early is often the WRONG financial strategy. But what if that is what your &quot;financial advisor&quot; has recommended? New research suggests that this advice may actually not be in YOUR best interests, but in the best interest of the advisor. Listen in as we discuss the bias that some financial people have when it comes to guiding people on Social Security.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Costly Estate Mistake]]>
                </title>
                                <description>
                                            <![CDATA[Want your beneficiaries to avoid paying big legal fees and/or major taxes to the IRS? Then you need to avoid some very common estate planning mistakes. In this show we discuss a real-life example of how a simple oversight can lead to major lawyer fees and taxes that could have been avoided.]]>
                                    </description>
                <pubDate>Fri, 03 May 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-7020</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240503-73370-Wendol.mp3"  length="34289888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Want your beneficiaries to avoid paying big legal fees and/or major taxes to the IRS? Then you need to avoid some very common estate planning mistakes. In this show we discuss a real-life example of how a simple oversight can lead to major lawyer fees and taxes that could have been avoided.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 03 May 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Want your beneficiaries to avoid paying big legal fees and/or major taxes to the IRS? Then you need to avoid some very common estate planning mistakes. In this show we discuss a real-life example of how a simple oversight can lead to major lawyer fees and taxes that could have been avoided.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Long Term Care Prices Going UP]]>
                </title>
                                <description>
                                            <![CDATA[What happens if your existing long term care policy price does up? Do you pay the price increase, or adjust the benefits to keep the policy affordable? In this show we review a real-life example of a client who is facing a potential 189% price increase for his existing LTC policy.]]>
                                    </description>
                <pubDate>Fri, 26 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6997</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240426-73369-Wendol.mp3"  length="40948448"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens if your existing long term care policy price does up? Do you pay the price increase, or adjust the benefits to keep the policy affordable? In this show we review a real-life example of a client who is facing a potential 189% price increase for his existing LTC policy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 26 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens if your existing long term care policy price does up? Do you pay the price increase, or adjust the benefits to keep the policy affordable? In this show we review a real-life example of a client who is facing a potential 189% price increase for his existing LTC policy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoiding Stress in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[A successful retirement is about increasing income and reducing stress. In this show we review the top stresses faced in retirement and how to decrease or eliminate them.]]>
                                    </description>
                <pubDate>Fri, 19 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6970</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240419-73368-Wendol.mp3"  length="36251168"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A successful retirement is about increasing income and reducing stress. In this show we review the top stresses faced in retirement and how to decrease or eliminate them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 19 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A successful retirement is about increasing income and reducing stress. In this show we review the top stresses faced in retirement and how to decrease or eliminate them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top Risk: Needy Family]]>
                </title>
                                <description>
                                            <![CDATA[In Part Three of this three part series, we explore how a needy family member can be one of the top threats to a successful retirement plan. This third &quot;punch to the mouth&quot; is often difficult to deal with because it&#039;s family! What do you do if you have an aging parent or adult child that needs financial assistance?]]>
                                    </description>
                <pubDate>Fri, 12 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6946</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240412-73367-Wendol.mp3"  length="38265440"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In Part Three of this three part series, we explore how a needy family member can be one of the top threats to a successful retirement plan. This third &quot;punch to the mouth&quot; is often difficult to deal with because it&#039;s family! What do you do if you have an aging parent or adult child that needs financial assistance?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 12 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In Part Three of this three part series, we explore how a needy family member can be one of the top threats to a successful retirement plan. This third &quot;punch to the mouth&quot; is often difficult to deal with because it&#039;s family! What do you do if you have an aging parent or adult child that needs financial assistance?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Crisis: A Top Retirement Risk]]>
                </title>
                                <description>
                                            <![CDATA[In Part Two of this three part series, we explore how a health crisis is one of the top threats to a successful retirement plan.
This second &quot;punch to the mouth&quot; is often difficult to deal with because not many people truly want to address or talk about it.
In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions.]]>
                                    </description>
                <pubDate>Fri, 05 Apr 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6920</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240405-73366-Wendol.mp3"  length="34390688"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In Part Two of this three part series, we explore how a health crisis is one of the top threats to a successful retirement plan.
This second &quot;punch to the mouth&quot; is often difficult to deal with because not many people truly want to address or talk about it.
In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 05 Apr 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In Part Two of this three part series, we explore how a health crisis is one of the top threats to a successful retirement plan.
This second &quot;punch to the mouth&quot; is often difficult to deal with because not many people truly want to address or talk about it.
In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Risk - Market Corrections]]>
                </title>
                                <description>
                                            <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan.
This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </description>
                <pubDate>Fri, 29 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6899</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240329-73365-Wendol.mp3"  length="26471840"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan.
This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 29 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan.
This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Strategies for Widow(er)s]]>
                </title>
                                <description>
                                            <![CDATA[Losing a spouse can be difficult emotionally, but also financially. On top of the financial turmoil comes TAXES. In this show we discuss the specific tax problems that widow(er)s face when they lose a loved one. If you want to prepare for a potential tax situation or have recently lost a spouse, watch this show.]]>
                                    </description>
                <pubDate>Fri, 22 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6875</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240322-73364-Wendol.mp3"  length="36953888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Losing a spouse can be difficult emotionally, but also financially. On top of the financial turmoil comes TAXES. In this show we discuss the specific tax problems that widow(er)s face when they lose a loved one. If you want to prepare for a potential tax situation or have recently lost a spouse, watch this show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 22 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Losing a spouse can be difficult emotionally, but also financially. On top of the financial turmoil comes TAXES. In this show we discuss the specific tax problems that widow(er)s face when they lose a loved one. If you want to prepare for a potential tax situation or have recently lost a spouse, watch this show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Widow(er)s Limit]]>
                </title>
                                <description>
                                            <![CDATA[If your spouse filed for Social Security before their full retirement age, your benefit may be impacted. This is known as the he Social Security &quot;Widow(er)&#039;s Limit.&quot; (Retirement Insurance Benefit Limit or RIB-LIM). In this show we talk about how survivors are impacted when their spouse (or ex-spouse) claimed benefits early.]]>
                                    </description>
                <pubDate>Fri, 15 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6848</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240315-73363-Wendol.mp3"  length="30175520"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If your spouse filed for Social Security before their full retirement age, your benefit may be impacted. This is known as the he Social Security &quot;Widow(er)&#039;s Limit.&quot; (Retirement Insurance Benefit Limit or RIB-LIM). In this show we talk about how survivors are impacted when their spouse (or ex-spouse) claimed benefits early.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 15 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If your spouse filed for Social Security before their full retirement age, your benefit may be impacted. This is known as the he Social Security &quot;Widow(er)&#039;s Limit.&quot; (Retirement Insurance Benefit Limit or RIB-LIM). In this show we talk about how survivors are impacted when their spouse (or ex-spouse) claimed benefits early.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The #1 Financial Risk]]>
                </title>
                                <description>
                                            <![CDATA[Retirees are being targeted every day by scammers trying to steal their hard earned retirement money. The rise in online scams and financial theft is staggering as more and more people fall victim to these highly convincing tactics. In this show we talk about the types of scams and the red flags to watch out for.]]>
                                    </description>
                <pubDate>Fri, 08 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6822</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240308-73362-Wendol.mp3"  length="36299552"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirees are being targeted every day by scammers trying to steal their hard earned retirement money. The rise in online scams and financial theft is staggering as more and more people fall victim to these highly convincing tactics. In this show we talk about the types of scams and the red flags to watch out for.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 08 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirees are being targeted every day by scammers trying to steal their hard earned retirement money. The rise in online scams and financial theft is staggering as more and more people fall victim to these highly convincing tactics. In this show we talk about the types of scams and the red flags to watch out for.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Must know answers to Social Security]]>
                </title>
                                <description>
                                            <![CDATA[78% of nearly retired people failed a basic quiz on Social Security. In this show we review each of the 13 questions and explain the answers. Make sure you know these answers - don&#039;t be one of the many people who don&#039;t understand basic Social Security rules and details!]]>
                                    </description>
                <pubDate>Fri, 01 Mar 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6796</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240301-73361-Wendol.mp3"  length="41366624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[78% of nearly retired people failed a basic quiz on Social Security. In this show we review each of the 13 questions and explain the answers. Make sure you know these answers - don&#039;t be one of the many people who don&#039;t understand basic Social Security rules and details!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 01 Mar 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[78% of nearly retired people failed a basic quiz on Social Security. In this show we review each of the 13 questions and explain the answers. Make sure you know these answers - don&#039;t be one of the many people who don&#039;t understand basic Social Security rules and details!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Working at Age 80?]]>
                </title>
                                <description>
                                            <![CDATA[If you have millions in the bank, should you continue to work at age 80? In this show we talk about Eric Idle of Monty Python fame and how he is still working at age 80 to meet his financial obligations.]]>
                                    </description>
                <pubDate>Fri, 23 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6774</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240223-73360-Wendol.mp3"  length="25099520"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you have millions in the bank, should you continue to work at age 80? In this show we talk about Eric Idle of Monty Python fame and how he is still working at age 80 to meet his financial obligations.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 23 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you have millions in the bank, should you continue to work at age 80? In this show we talk about Eric Idle of Monty Python fame and how he is still working at age 80 to meet his financial obligations.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Write it Down BEFORE You Die]]>
                </title>
                                <description>
                                            <![CDATA[When you lose a loved one, there are often many loose ends to deal with. Many often wish their loved one left certain pieces of information to make life a bit easier. Having a Will and final wishes is useful, but what about the less obvious things like account numbers, passwords, or where the gold was buried? In this show we talk about the things that are useful to write down before you die.]]>
                                    </description>
                <pubDate>Fri, 16 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6748</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240216-73359-Wendol.mp3"  length="30015392"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When you lose a loved one, there are often many loose ends to deal with. Many often wish their loved one left certain pieces of information to make life a bit easier. Having a Will and final wishes is useful, but what about the less obvious things like account numbers, passwords, or where the gold was buried? In this show we talk about the things that are useful to write down before you die.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 16 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When you lose a loved one, there are often many loose ends to deal with. Many often wish their loved one left certain pieces of information to make life a bit easier. Having a Will and final wishes is useful, but what about the less obvious things like account numbers, passwords, or where the gold was buried? In this show we talk about the things that are useful to write down before you die.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Forced Retirement at 65]]>
                </title>
                                <description>
                                            <![CDATA[Believe it or not, some people are forced to retire. Not everyone wants to retire, and many more are working into their 70s. Yet, in some cases the U.S. law forces you to call it quits. In this show we discuss where is this still applicable and whether or not people should be forced to retire.]]>
                                    </description>
                <pubDate>Fri, 09 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6730</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240209-73358-Wendol.mp3"  length="27749984"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Believe it or not, some people are forced to retire. Not everyone wants to retire, and many more are working into their 70s. Yet, in some cases the U.S. law forces you to call it quits. In this show we discuss where is this still applicable and whether or not people should be forced to retire.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 09 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Believe it or not, some people are forced to retire. Not everyone wants to retire, and many more are working into their 70s. Yet, in some cases the U.S. law forces you to call it quits. In this show we discuss where is this still applicable and whether or not people should be forced to retire.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[New Tool to Stop Tax ID Theft]]>
                </title>
                                <description>
                                            <![CDATA[The IRS has released a new method to ward off tax ID theft. There has been a growing problem of criminals filing tax refunds of unsuspecting citizens and pocketing the money. In the past, the IRS instituted a system to prevent repeat offenses. However, now the IRS is offering that same level of defense to all.]]>
                                    </description>
                <pubDate>Fri, 02 Feb 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6704</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240202-73357-Wendol.mp3"  length="23286560"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The IRS has released a new method to ward off tax ID theft. There has been a growing problem of criminals filing tax refunds of unsuspecting citizens and pocketing the money. In the past, the IRS instituted a system to prevent repeat offenses. However, now the IRS is offering that same level of defense to all.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 02 Feb 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The IRS has released a new method to ward off tax ID theft. There has been a growing problem of criminals filing tax refunds of unsuspecting citizens and pocketing the money. In the past, the IRS instituted a system to prevent repeat offenses. However, now the IRS is offering that same level of defense to all.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Lessons from a Country Music Icon]]>
                </title>
                                <description>
                                            <![CDATA[Dan &amp; Tony head to Nashville, TN to talk country music and financial lessons. In this show we discuss quotes from music icon Dolly Parton. Will you have to keep working 9 to 5 forever?]]>
                                    </description>
                <pubDate>Fri, 26 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6678</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240126-73356-Wendol.mp3"  length="22792928"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Dan &amp; Tony head to Nashville, TN to talk country music and financial lessons. In this show we discuss quotes from music icon Dolly Parton. Will you have to keep working 9 to 5 forever?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 26 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Dan &amp; Tony head to Nashville, TN to talk country music and financial lessons. In this show we discuss quotes from music icon Dolly Parton. Will you have to keep working 9 to 5 forever?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[States Tax Social Security Income]]>
                </title>
                                <description>
                                            <![CDATA[Some States still tax Social Security and other retirement income. What happens if you retire in a State that doesn&#039;t tax retirement income or pensions? Does it make sense to move in retirement for a more favorable tax situation? What can we learn about taxes from the Shohei Ohtani blockbuster baseball contract with the LA Dodgers?]]>
                                    </description>
                <pubDate>Fri, 19 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6658</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240119-73355-Wendol.mp3"  length="43271456"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Some States still tax Social Security and other retirement income. What happens if you retire in a State that doesn&#039;t tax retirement income or pensions? Does it make sense to move in retirement for a more favorable tax situation? What can we learn about taxes from the Shohei Ohtani blockbuster baseball contract with the LA Dodgers?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 19 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Some States still tax Social Security and other retirement income. What happens if you retire in a State that doesn&#039;t tax retirement income or pensions? Does it make sense to move in retirement for a more favorable tax situation? What can we learn about taxes from the Shohei Ohtani blockbuster baseball contract with the LA Dodgers?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Blue Zones - Retirement Living to 100]]>
                </title>
                                <description>
                                            <![CDATA[Where do the most centenarians live and what are they doing that lets them live so long? In this show we discuss the concept of Blue Zones, which reveals the areas of the globe where people are living long and health lives. What doe these people have in common and how should you change your financial plans to be more like them?]]>
                                    </description>
                <pubDate>Fri, 12 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6631</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240112-73354-Wendol.mp3"  length="52742624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Where do the most centenarians live and what are they doing that lets them live so long? In this show we discuss the concept of Blue Zones, which reveals the areas of the globe where people are living long and health lives. What doe these people have in common and how should you change your financial plans to be more like them?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 12 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Where do the most centenarians live and what are they doing that lets them live so long? In this show we discuss the concept of Blue Zones, which reveals the areas of the globe where people are living long and health lives. What doe these people have in common and how should you change your financial plans to be more like them?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Long Will $1M Last?]]>
                </title>
                                <description>
                                            <![CDATA[In which state will one million dollars last the longest for a 65 year old? According to recent analysis from GoBankingRates, it could be gone in 10 years or 22 years, depending on where you live! Listen in as we reveal where money will last the longest and also explain why this type of analysis really misses the boat when it comes to retirement planning.]]>
                                    </description>
                <pubDate>Fri, 05 Jan 2024 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6610</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/240105-73353-Wendol.mp3"  length="25781792"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In which state will one million dollars last the longest for a 65 year old? According to recent analysis from GoBankingRates, it could be gone in 10 years or 22 years, depending on where you live! Listen in as we reveal where money will last the longest and also explain why this type of analysis really misses the boat when it comes to retirement planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 05 Jan 2024 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In which state will one million dollars last the longest for a 65 year old? According to recent analysis from GoBankingRates, it could be gone in 10 years or 22 years, depending on where you live! Listen in as we reveal where money will last the longest and also explain why this type of analysis really misses the boat when it comes to retirement planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing During Decreasing Interest Rates]]>
                </title>
                                <description>
                                            <![CDATA[Investing can be tricky in general. How does a decreasing interest rate environment impact investing? Where should you be putting your money when interest rates are falling?]]>
                                    </description>
                <pubDate>Fri, 29 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6596</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231229-73352-Wendol.mp3"  length="31047584"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Investing can be tricky in general. How does a decreasing interest rate environment impact investing? Where should you be putting your money when interest rates are falling?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 29 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Investing can be tricky in general. How does a decreasing interest rate environment impact investing? Where should you be putting your money when interest rates are falling?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Christmas Financial Lessons]]>
                </title>
                                <description>
                                            <![CDATA[Classic Christmas holiday movies are fun to watch and offer powerful life lessons. Are any of these lessons financial or retirement focused? In this show we explore the financial lessons learned from Christmas Vacation, A Christmas Story, It&#039;s a Wonderful Life, and The Grinch Who Stole Christmas.]]>
                                    </description>
                <pubDate>Fri, 22 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6573</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231222-73351-Wendol.mp3"  length="32146016"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Classic Christmas holiday movies are fun to watch and offer powerful life lessons. Are any of these lessons financial or retirement focused? In this show we explore the financial lessons learned from Christmas Vacation, A Christmas Story, It&#039;s a Wonderful Life, and The Grinch Who Stole Christmas.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 22 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Classic Christmas holiday movies are fun to watch and offer powerful life lessons. Are any of these lessons financial or retirement focused? In this show we explore the financial lessons learned from Christmas Vacation, A Christmas Story, It&#039;s a Wonderful Life, and The Grinch Who Stole Christmas.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Income Riders]]>
                </title>
                                <description>
                                            <![CDATA[What is a lifetime income rider? (also known as an LIBR, GMIB, GLWB, GMWB) These added features on variable and indexed annuities can be confusing and often misunderstood. In this show we discuss these riders and why you may want to avoid them.]]>
                                    </description>
                <pubDate>Fri, 15 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6550</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231215-73350-Wendol.mp3"  length="35267936"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What is a lifetime income rider? (also known as an LIBR, GMIB, GLWB, GMWB) These added features on variable and indexed annuities can be confusing and often misunderstood. In this show we discuss these riders and why you may want to avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 15 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What is a lifetime income rider? (also known as an LIBR, GMIB, GLWB, GMWB) These added features on variable and indexed annuities can be confusing and often misunderstood. In this show we discuss these riders and why you may want to avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[RMDs: Required Minimum Distributions]]>
                </title>
                                <description>
                                            <![CDATA[Required Minimum Distributions (RMDs). What are they, and what are the new rules surrounding these IRS restrictions on retirement savings? In this show we go through an extensive FAQ on the rules and changes to this unpopular part of the tax code.]]>
                                    </description>
                <pubDate>Fri, 08 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6524</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231208-73349-Wendol.mp3"  length="37529888"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Required Minimum Distributions (RMDs). What are they, and what are the new rules surrounding these IRS restrictions on retirement savings? In this show we go through an extensive FAQ on the rules and changes to this unpopular part of the tax code.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 08 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Required Minimum Distributions (RMDs). What are they, and what are the new rules surrounding these IRS restrictions on retirement savings? In this show we go through an extensive FAQ on the rules and changes to this unpopular part of the tax code.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring in 5 Years or Less]]>
                </title>
                                <description>
                                            <![CDATA[Planning on retiring soon? In this show we discuss the key decisions and actions someone must take if they are planning to retire within the next five years. If you want to retire successfully, you should start planning now by listening to this show.]]>
                                    </description>
                <pubDate>Fri, 01 Dec 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6497</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231201-73348-Wendol.mp3"  length="28158368"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Planning on retiring soon? In this show we discuss the key decisions and actions someone must take if they are planning to retire within the next five years. If you want to retire successfully, you should start planning now by listening to this show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 01 Dec 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Planning on retiring soon? In this show we discuss the key decisions and actions someone must take if they are planning to retire within the next five years. If you want to retire successfully, you should start planning now by listening to this show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security &amp; Government Pensions]]>
                </title>
                                <description>
                                            <![CDATA[If you have a government pension, you may not get 100% of your Social Security check. In this show we discuss how the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) provisions reduce the benefits of certain government employees.]]>
                                    </description>
                <pubDate>Fri, 24 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6476</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231124-73347-Wendol.mp3"  length="27851360"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you have a government pension, you may not get 100% of your Social Security check. In this show we discuss how the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) provisions reduce the benefits of certain government employees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 24 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you have a government pension, you may not get 100% of your Social Security check. In this show we discuss how the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) provisions reduce the benefits of certain government employees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Max 2024 Social Security]]>
                </title>
                                <description>
                                            <![CDATA[The highest monthly Social Security check in 2024 will be $4,873. How does one qualify to get that much? In this show we&#039;ll explain how and also discuss some other important changes to the numbers around Social Security that take effect in 2024.]]>
                                    </description>
                <pubDate>Fri, 17 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6453</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231117-73346-Wendol.mp3"  length="24692576"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The highest monthly Social Security check in 2024 will be $4,873. How does one qualify to get that much? In this show we&#039;ll explain how and also discuss some other important changes to the numbers around Social Security that take effect in 2024.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 17 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The highest monthly Social Security check in 2024 will be $4,873. How does one qualify to get that much? In this show we&#039;ll explain how and also discuss some other important changes to the numbers around Social Security that take effect in 2024.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Common Mistake Retirees Make]]>
                </title>
                                <description>
                                            <![CDATA[There are many financial decisions and actions retirees must take. One in particular can go a long way in keeping harmony in the family- making sure assets pass to the next generation without drama. In this show we discuss this often overlooked, yet simple action you can take to avoid future problems.]]>
                                    </description>
                <pubDate>Fri, 10 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6427</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231110-73345-Wendol.mp3"  length="38180192"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many financial decisions and actions retirees must take. One in particular can go a long way in keeping harmony in the family- making sure assets pass to the next generation without drama. In this show we discuss this often overlooked, yet simple action you can take to avoid future problems.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 10 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are many financial decisions and actions retirees must take. One in particular can go a long way in keeping harmony in the family- making sure assets pass to the next generation without drama. In this show we discuss this often overlooked, yet simple action you can take to avoid future problems.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[I sold my Mom an Annuity]]>
                </title>
                                <description>
                                            <![CDATA[Annuities have a bad reputation and are often portrayed in a negative light. In this show, a financial planner talks about how he sold an annuity to his Mom and why he feels that certain annuities might be appropriate for some people. What type of annuity did he sell to his Mom and does he regret it?]]>
                                    </description>
                <pubDate>Fri, 03 Nov 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6398</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231103-73344-Wendol.mp3"  length="41711648"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Annuities have a bad reputation and are often portrayed in a negative light. In this show, a financial planner talks about how he sold an annuity to his Mom and why he feels that certain annuities might be appropriate for some people. What type of annuity did he sell to his Mom and does he regret it?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 03 Nov 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Annuities have a bad reputation and are often portrayed in a negative light. In this show, a financial planner talks about how he sold an annuity to his Mom and why he feels that certain annuities might be appropriate for some people. What type of annuity did he sell to his Mom and does he regret it?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Best City For Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Which city is best suited for retirement? In this show we review a recent ranking of the top 182 cities in the US and discuss the results. Spoiler alert! Tampa is at the top. What criteria is important to consider when moving for retirement?]]>
                                    </description>
                <pubDate>Fri, 27 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6371</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231027-73343-Wendol.mp3"  length="31466336"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Which city is best suited for retirement? In this show we review a recent ranking of the top 182 cities in the US and discuss the results. Spoiler alert! Tampa is at the top. What criteria is important to consider when moving for retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 27 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Which city is best suited for retirement? In this show we review a recent ranking of the top 182 cities in the US and discuss the results. Spoiler alert! Tampa is at the top. What criteria is important to consider when moving for retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why is Spending in Retirement Difficult?]]>
                </title>
                                <description>
                                            <![CDATA[Many struggle to switch from saving to spending when they retire. It may seem easy, but it is often a mental challenge. We discuss the five mental barriers to successfully switching from accumulation to decumulation. Do you think you will spend without any problem? Think again.]]>
                                    </description>
                <pubDate>Fri, 20 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6347</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231023-73342-Wendol.mp3"  length="32982368"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many struggle to switch from saving to spending when they retire. It may seem easy, but it is often a mental challenge. We discuss the five mental barriers to successfully switching from accumulation to decumulation. Do you think you will spend without any problem? Think again.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 20 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many struggle to switch from saving to spending when they retire. It may seem easy, but it is often a mental challenge. We discuss the five mental barriers to successfully switching from accumulation to decumulation. Do you think you will spend without any problem? Think again.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Refinance Your Income]]>
                </title>
                                <description>
                                            <![CDATA[When interest rates drop, many know to refinance their debts. Yet, when interest rates increase, many don&#039;t know that it is time to refinance their income. Shouldn&#039;t your income go up when interest rates rise? In this show we discuss this important topic for retirees.]]>
                                    </description>
                <pubDate>Fri, 13 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6324</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231013-73341-Wendol.mp3"  length="40485920"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When interest rates drop, many know to refinance their debts. Yet, when interest rates increase, many don&#039;t know that it is time to refinance their income. Shouldn&#039;t your income go up when interest rates rise? In this show we discuss this important topic for retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 13 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When interest rates drop, many know to refinance their debts. Yet, when interest rates increase, many don&#039;t know that it is time to refinance their income. Shouldn&#039;t your income go up when interest rates rise? In this show we discuss this important topic for retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Fear Running Out of Money]]>
                </title>
                                <description>
                                            <![CDATA[The fear of running out of money is one of the biggest fears retirees face. Yet, it should NOT be. In this show we talk about why this fear of running out is overblown.]]>
                                    </description>
                <pubDate>Fri, 06 Oct 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6298</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/231006-73340-Wendol.mp3"  length="43484576"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The fear of running out of money is one of the biggest fears retirees face. Yet, it should NOT be. In this show we talk about why this fear of running out is overblown.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 06 Oct 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The fear of running out of money is one of the biggest fears retirees face. Yet, it should NOT be. In this show we talk about why this fear of running out is overblown.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Aging Parents &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Caring for an aging parent can be costly, time consuming, and emotionally taxing. In this show, Dan &amp; Tony share their personal experiences with caring for their aging parents along with tips and lessons learned.]]>
                                    </description>
                <pubDate>Fri, 29 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6273</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230929-73339-Wendol.mp3"  length="46105952"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Caring for an aging parent can be costly, time consuming, and emotionally taxing. In this show, Dan &amp; Tony share their personal experiences with caring for their aging parents along with tips and lessons learned.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 29 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Caring for an aging parent can be costly, time consuming, and emotionally taxing. In this show, Dan &amp; Tony share their personal experiences with caring for their aging parents along with tips and lessons learned.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Spousal Benefits]]>
                </title>
                                <description>
                                            <![CDATA[How do I claim Social Security against my spouse? Can I claim against an ex-spouse&#039;s Social Security? How much will I get? What are the rules about spousal benefits? In this show we answer all the questions you may have about claiming Social Security against a spouse.]]>
                                    </description>
                <pubDate>Fri, 22 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6249</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230922-73338-Wendol.mp3"  length="26918816"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How do I claim Social Security against my spouse? Can I claim against an ex-spouse&#039;s Social Security? How much will I get? What are the rules about spousal benefits? In this show we answer all the questions you may have about claiming Social Security against a spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 22 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How do I claim Social Security against my spouse? Can I claim against an ex-spouse&#039;s Social Security? How much will I get? What are the rules about spousal benefits? In this show we answer all the questions you may have about claiming Social Security against a spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security &amp; Divorce]]>
                </title>
                                <description>
                                            <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? What if I remarry? Will my ex-spouse know I am claiming against them? What if my ex-spouse is dead? In this show we answer all the questions you may have about claiming Social Security based on an ex-spouse.]]>
                                    </description>
                <pubDate>Fri, 15 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6226</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230915-73337-Wendol.mp3"  length="32352800"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? What if I remarry? Will my ex-spouse know I am claiming against them? What if my ex-spouse is dead? In this show we answer all the questions you may have about claiming Social Security based on an ex-spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 15 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? What if I remarry? Will my ex-spouse know I am claiming against them? What if my ex-spouse is dead? In this show we answer all the questions you may have about claiming Social Security based on an ex-spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 1% Earners and Retirement]]>
                </title>
                                <description>
                                            <![CDATA[What does it take to be considered at the top 1% of earners in your state? Does earning top money for your efforts ultimately lead to an earlier, less stressful, or &quot;better&quot; retirement?]]>
                                    </description>
                <pubDate>Fri, 08 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6201</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230908-73336-Wendol.mp3"  length="25939040"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What does it take to be considered at the top 1% of earners in your state? Does earning top money for your efforts ultimately lead to an earlier, less stressful, or &quot;better&quot; retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 08 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What does it take to be considered at the top 1% of earners in your state? Does earning top money for your efforts ultimately lead to an earlier, less stressful, or &quot;better&quot; retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Claim Social Security Early &amp; Invest]]>
                </title>
                                <description>
                                            <![CDATA[Should you take Social Security early because interest rates are relatively high? Why bother delaying Social Security when you can take the money now and get a better return? In this show, we explore the idea that delaying Social Security may NOT make sense when interest rates are going up.]]>
                                    </description>
                <pubDate>Fri, 01 Sep 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6177</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230901-73335-Wendol.mp3"  length="31441568"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you take Social Security early because interest rates are relatively high? Why bother delaying Social Security when you can take the money now and get a better return? In this show, we explore the idea that delaying Social Security may NOT make sense when interest rates are going up.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 01 Sep 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you take Social Security early because interest rates are relatively high? Why bother delaying Social Security when you can take the money now and get a better return? In this show, we explore the idea that delaying Social Security may NOT make sense when interest rates are going up.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[You Need $1.27 Million to Retire]]>
                </title>
                                <description>
                                            <![CDATA[According to a 2023 survey, Americans believe they will need $1.27 million to retire comfortably. In this show we discuss whether or not this is a realistic number. We also discuss how one should begin to determine how much they will need for retirement. Learn how you may be approaching this age-old question from the wrong direction.]]>
                                    </description>
                <pubDate>Fri, 25 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6150</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230825-73334-Wendol.mp3"  length="30305496"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to a 2023 survey, Americans believe they will need $1.27 million to retire comfortably. In this show we discuss whether or not this is a realistic number. We also discuss how one should begin to determine how much they will need for retirement. Learn how you may be approaching this age-old question from the wrong direction.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 25 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to a 2023 survey, Americans believe they will need $1.27 million to retire comfortably. In this show we discuss whether or not this is a realistic number. We also discuss how one should begin to determine how much they will need for retirement. Learn how you may be approaching this age-old question from the wrong direction.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Income Plans]]>
                </title>
                                <description>
                                            <![CDATA[Income is critical to retirement planning. A recent survey suggests that retirees don&#039;t know how to create retirement income plans. Taking Social Security as soon as possible isn&#039;t necessarily the best way to build an income plan. In this show we discuss the recent survey results around income during retirement.]]>
                                    </description>
                <pubDate>Fri, 18 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6120</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230818-73333-Wendol.mp3"  length="35976992"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Income is critical to retirement planning. A recent survey suggests that retirees don&#039;t know how to create retirement income plans. Taking Social Security as soon as possible isn&#039;t necessarily the best way to build an income plan. In this show we discuss the recent survey results around income during retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 18 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Income is critical to retirement planning. A recent survey suggests that retirees don&#039;t know how to create retirement income plans. Taking Social Security as soon as possible isn&#039;t necessarily the best way to build an income plan. In this show we discuss the recent survey results around income during retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Scare Leads to Better Financial Situation]]>
                </title>
                                <description>
                                            <![CDATA[Major health events are usually associated with negative financial outcomes. The cost of care, loss of income, and general expenses of health scare usually have a negative impact. However, this inverse relationship may not always be the case. In fact, sometimes a negative health event can actually lead to financial improvements!]]>
                                    </description>
                <pubDate>Fri, 11 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6096</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230812-73332-Wendol.mp3"  length="30356960"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Major health events are usually associated with negative financial outcomes. The cost of care, loss of income, and general expenses of health scare usually have a negative impact. However, this inverse relationship may not always be the case. In fact, sometimes a negative health event can actually lead to financial improvements!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 11 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Major health events are usually associated with negative financial outcomes. The cost of care, loss of income, and general expenses of health scare usually have a negative impact. However, this inverse relationship may not always be the case. In fact, sometimes a negative health event can actually lead to financial improvements!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Beware Home Buying/Selling in Florida]]>
                </title>
                                <description>
                                            <![CDATA[Are you considering selling your home or buying a new one? Maybe you are planning to move to Florida for retirement. Did you know that real estate agents aren&#039;t legally obligated to act the same across the country? For instance, in Florida, a real estate agent doesn&#039;t have to act as a Fiduciary and can represent both sides of a home transaction. In this show we talk about how this might be a huge problem.]]>
                                    </description>
                <pubDate>Fri, 04 Aug 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6069</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230806-73331-Wendol.mp3"  length="36840416"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are you considering selling your home or buying a new one? Maybe you are planning to move to Florida for retirement. Did you know that real estate agents aren&#039;t legally obligated to act the same across the country? For instance, in Florida, a real estate agent doesn&#039;t have to act as a Fiduciary and can represent both sides of a home transaction. In this show we talk about how this might be a huge problem.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 04 Aug 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are you considering selling your home or buying a new one? Maybe you are planning to move to Florida for retirement. Did you know that real estate agents aren&#039;t legally obligated to act the same across the country? For instance, in Florida, a real estate agent doesn&#039;t have to act as a Fiduciary and can represent both sides of a home transaction. In this show we talk about how this might be a huge problem.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Legal Battle of the Aretha Franklin Estate]]>
                </title>
                                <description>
                                            <![CDATA[If you write a Will with your final wishes before you die, do you avoid probate court? No. What if you have two separate Wills written? You&#039;ll have even more drama. Join us as we break down the legal battles surrounding the estate of the late great Aretha Franklin.]]>
                                    </description>
                <pubDate>Fri, 28 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6047</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230728-73330-Wendol.mp3"  length="28634720"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you write a Will with your final wishes before you die, do you avoid probate court? No. What if you have two separate Wills written? You&#039;ll have even more drama. Join us as we break down the legal battles surrounding the estate of the late great Aretha Franklin.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 28 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you write a Will with your final wishes before you die, do you avoid probate court? No. What if you have two separate Wills written? You&#039;ll have even more drama. Join us as we break down the legal battles surrounding the estate of the late great Aretha Franklin.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inherited IRA RMDs]]>
                </title>
                                <description>
                                            <![CDATA[If you inherit an IRA, there are special rules regarding when you have to withdraw funds from that account. The &quot;new&quot; 10 year rule starting in 2020 is still a bit wishy-washy. In this show we discuss a recent IRS update about these Required Minimum Distributions (RMDs).]]>
                                    </description>
                <pubDate>Fri, 21 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-6022</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230721-73329-Wendol.mp3"  length="17758688"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you inherit an IRA, there are special rules regarding when you have to withdraw funds from that account. The &quot;new&quot; 10 year rule starting in 2020 is still a bit wishy-washy. In this show we discuss a recent IRS update about these Required Minimum Distributions (RMDs).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 21 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you inherit an IRA, there are special rules regarding when you have to withdraw funds from that account. The &quot;new&quot; 10 year rule starting in 2020 is still a bit wishy-washy. In this show we discuss a recent IRS update about these Required Minimum Distributions (RMDs).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[You Should Play Powerball]]>
                </title>
                                <description>
                                            <![CDATA[Everyone knows that the big lotteries like Powerball are a losing bet. However, there is a major reason why it might make sense for pre-retirees to buy a ticket. The best part is you don&#039;t have to win the lottery to gain from playing the game!]]>
                                    </description>
                <pubDate>Fri, 14 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5998</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230714-73328-Wendol.mp3"  length="23984096"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Everyone knows that the big lotteries like Powerball are a losing bet. However, there is a major reason why it might make sense for pre-retirees to buy a ticket. The best part is you don&#039;t have to win the lottery to gain from playing the game!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 14 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Everyone knows that the big lotteries like Powerball are a losing bet. However, there is a major reason why it might make sense for pre-retirees to buy a ticket. The best part is you don&#039;t have to win the lottery to gain from playing the game!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Short Term Rates for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Short term interest rates are higher than they have been in decades. Should retirees or those close to retirement be locking in some of these rates now? Why not capitalize on these high fixed rates using CDs, MYGA, T-bills, Money Markets, etc.?]]>
                                    </description>
                <pubDate>Fri, 07 Jul 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5979</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230707-73327-Wendol.mp3"  length="31521056"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Short term interest rates are higher than they have been in decades. Should retirees or those close to retirement be locking in some of these rates now? Why not capitalize on these high fixed rates using CDs, MYGA, T-bills, Money Markets, etc.?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 07 Jul 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Short term interest rates are higher than they have been in decades. Should retirees or those close to retirement be locking in some of these rates now? Why not capitalize on these high fixed rates using CDs, MYGA, T-bills, Money Markets, etc.?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Unretiring: Going Back After Early Retirement]]>
                </title>
                                <description>
                                            <![CDATA[One of the early leaders of the F.I.R.E (Financial Independence Retire Early) movement, known as the Financial Samurai, recently announced he is going back to work. In this show we analyze his announcement and reasoning behind this dramatic shift in his plans. The lessons learned apply to all people who are retiring at any age.]]>
                                    </description>
                <pubDate>Fri, 30 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5957</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230701-73326-Wendol.mp3"  length="35409056"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[One of the early leaders of the F.I.R.E (Financial Independence Retire Early) movement, known as the Financial Samurai, recently announced he is going back to work. In this show we analyze his announcement and reasoning behind this dramatic shift in his plans. The lessons learned apply to all people who are retiring at any age.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 30 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[One of the early leaders of the F.I.R.E (Financial Independence Retire Early) movement, known as the Financial Samurai, recently announced he is going back to work. In this show we analyze his announcement and reasoning behind this dramatic shift in his plans. The lessons learned apply to all people who are retiring at any age.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Retirement Questions]]>
                </title>
                                <description>
                                            <![CDATA[To retire successfully, you&#039;ll have to answer many questions and make important financial decisions. In this show we review the TOP 5 questions you should be able to answer if you want to coast into retirement. Don&#039;t try to retire without knowing how you would answer these questions.]]>
                                    </description>
                <pubDate>Fri, 23 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5938</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230623-73325-Wendol.mp3"  length="36679136"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[To retire successfully, you&#039;ll have to answer many questions and make important financial decisions. In this show we review the TOP 5 questions you should be able to answer if you want to coast into retirement. Don&#039;t try to retire without knowing how you would answer these questions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 23 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[To retire successfully, you&#039;ll have to answer many questions and make important financial decisions. In this show we review the TOP 5 questions you should be able to answer if you want to coast into retirement. Don&#039;t try to retire without knowing how you would answer these questions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance in Retirement BEFORE Medicare.]]>
                </title>
                                <description>
                                            <![CDATA[Many people retire and lose health insurance coverage offered by their employer. They then often join Medicare so there is no gap in coverage. What if you don&#039;t qualify for Medicare and leave employer coverage? What if you or your spouse aren&#039;t yet 65 and lose group health insurance? In this show, we discuss how to fill this health insurance gap between retirement and age 65.]]>
                                    </description>
                <pubDate>Fri, 16 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5908</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230616-73324-Wendol.mp3"  length="33302624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people retire and lose health insurance coverage offered by their employer. They then often join Medicare so there is no gap in coverage. What if you don&#039;t qualify for Medicare and leave employer coverage? What if you or your spouse aren&#039;t yet 65 and lose group health insurance? In this show, we discuss how to fill this health insurance gap between retirement and age 65.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 16 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people retire and lose health insurance coverage offered by their employer. They then often join Medicare so there is no gap in coverage. What if you don&#039;t qualify for Medicare and leave employer coverage? What if you or your spouse aren&#039;t yet 65 and lose group health insurance? In this show, we discuss how to fill this health insurance gap between retirement and age 65.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Unexpected Retirement Struggle]]>
                </title>
                                <description>
                                            <![CDATA[You&#039;ve saved your entire life, working from a young age, and finally retire. You seem to have enough in savings to carry you through retirement, but something isn&#039;t right. You&#039;ve hit a roadblock and simply can&#039;t get comfortable financially. In this show we discuss a very common challenge faced by those who saved a lot for retirement.]]>
                                    </description>
                <pubDate>Fri, 09 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5881</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230609-73323-Wendol.mp3"  length="34618208"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[You&#039;ve saved your entire life, working from a young age, and finally retire. You seem to have enough in savings to carry you through retirement, but something isn&#039;t right. You&#039;ve hit a roadblock and simply can&#039;t get comfortable financially. In this show we discuss a very common challenge faced by those who saved a lot for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 09 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[You&#039;ve saved your entire life, working from a young age, and finally retire. You seem to have enough in savings to carry you through retirement, but something isn&#039;t right. You&#039;ve hit a roadblock and simply can&#039;t get comfortable financially. In this show we discuss a very common challenge faced by those who saved a lot for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The #1 Financial Account = HSA]]>
                </title>
                                <description>
                                            <![CDATA[The Health Savings Account (HSA) is the most underrated financial option available for retirement savers. In this show we review what an HSA is and why opening and funding one should be your top priority.]]>
                                    </description>
                <pubDate>Fri, 02 Jun 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5852</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230602-73322-Wendol.mp3"  length="40442720"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Health Savings Account (HSA) is the most underrated financial option available for retirement savers. In this show we review what an HSA is and why opening and funding one should be your top priority.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 02 Jun 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Health Savings Account (HSA) is the most underrated financial option available for retirement savers. In this show we review what an HSA is and why opening and funding one should be your top priority.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Have Enough To Retire?]]>
                </title>
                                <description>
                                            <![CDATA[Many people believe they don&#039;t have enough money to retire. If that&#039;s true, then what do you do? Do you really have to work until you die? In this show we talk about the options you have if you find yourself short on retirement funds. Be proactive and make retirement a reality - listen to this show if you think you&#039;ll have to work until you die!]]>
                                    </description>
                <pubDate>Fri, 26 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5824</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230526-73321-Wendol.mp3"  length="36975776"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people believe they don&#039;t have enough money to retire. If that&#039;s true, then what do you do? Do you really have to work until you die? In this show we talk about the options you have if you find yourself short on retirement funds. Be proactive and make retirement a reality - listen to this show if you think you&#039;ll have to work until you die!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 26 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people believe they don&#039;t have enough money to retire. If that&#039;s true, then what do you do? Do you really have to work until you die? In this show we talk about the options you have if you find yourself short on retirement funds. Be proactive and make retirement a reality - listen to this show if you think you&#039;ll have to work until you die!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When to DELAY Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Sometimes the best financial move is wait to claim Social Security. In this show we go over the scenarios and situations where delaying claiming your Social Security benefit makes financial sense. Should you delay your Social Security?]]>
                                    </description>
                <pubDate>Fri, 19 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5797</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230519-73320-Wendol.mp3"  length="30547040"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Sometimes the best financial move is wait to claim Social Security. In this show we go over the scenarios and situations where delaying claiming your Social Security benefit makes financial sense. Should you delay your Social Security?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 19 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Sometimes the best financial move is wait to claim Social Security. In this show we go over the scenarios and situations where delaying claiming your Social Security benefit makes financial sense. Should you delay your Social Security?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Claim Social Security EARLY]]>
                </title>
                                <description>
                                            <![CDATA[Sometimes the best financial move is to claim Social Security as soon as possible. It often makes sense to delay Social Security, but in this show we go over the scenarios and situations where claiming at 62 or as early as possible makes financial sense. Should you claim Social Security ASAP?]]>
                                    </description>
                <pubDate>Fri, 12 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5771</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230512-73319-Wendol.mp3"  length="29562080"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Sometimes the best financial move is to claim Social Security as soon as possible. It often makes sense to delay Social Security, but in this show we go over the scenarios and situations where claiming at 62 or as early as possible makes financial sense. Should you claim Social Security ASAP?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 12 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Sometimes the best financial move is to claim Social Security as soon as possible. It often makes sense to delay Social Security, but in this show we go over the scenarios and situations where claiming at 62 or as early as possible makes financial sense. Should you claim Social Security ASAP?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid Stocks in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Should you invest in the stock market when you are close to retirement? Why bother with risky assets when you can get fixed rates that are higher than they&#039;ve been in a long while? In this show we discuss the idea of eliminating stock market risk when you retire.]]>
                                    </description>
                <pubDate>Fri, 05 May 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5743</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230505-73318-Wendol.mp3"  length="27887648"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you invest in the stock market when you are close to retirement? Why bother with risky assets when you can get fixed rates that are higher than they&#039;ve been in a long while? In this show we discuss the idea of eliminating stock market risk when you retire.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 05 May 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you invest in the stock market when you are close to retirement? Why bother with risky assets when you can get fixed rates that are higher than they&#039;ve been in a long while? In this show we discuss the idea of eliminating stock market risk when you retire.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Mortgages in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Should you pay off your mortgage before retiring? Maybe. For many, being debt free in retirement is the ultimate goal. However, carrying a mortgage into retirement isn&#039;t necessarily a bad thing. In this show we discuss the idea of maintaining a mortgage during retirement and why, for some people, keeping the mortgage makes financial sense.]]>
                                    </description>
                <pubDate>Fri, 28 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5721</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230428-73317-Wendol.mp3"  length="37409504"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you pay off your mortgage before retiring? Maybe. For many, being debt free in retirement is the ultimate goal. However, carrying a mortgage into retirement isn&#039;t necessarily a bad thing. In this show we discuss the idea of maintaining a mortgage during retirement and why, for some people, keeping the mortgage makes financial sense.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 28 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you pay off your mortgage before retiring? Maybe. For many, being debt free in retirement is the ultimate goal. However, carrying a mortgage into retirement isn&#039;t necessarily a bad thing. In this show we discuss the idea of maintaining a mortgage during retirement and why, for some people, keeping the mortgage makes financial sense.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[#1 Factor for Retirement Success]]>
                </title>
                                <description>
                                            <![CDATA[A successful retirement is about increasing income and decreasing stress.  In this show we identify the common trait seen in those who are experiencing a successful retirement.  Focus on this, and your odds of success will go up!]]>
                                    </description>
                <pubDate>Fri, 21 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5696</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230421-73316-Wendol.mp3"  length="24505376"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A successful retirement is about increasing income and decreasing stress.  In this show we identify the common trait seen in those who are experiencing a successful retirement.  Focus on this, and your odds of success will go up!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 21 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A successful retirement is about increasing income and decreasing stress.  In this show we identify the common trait seen in those who are experiencing a successful retirement.  Focus on this, and your odds of success will go up!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Pay Taxes on Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Social Security is taxable for some people. If that is the case, how do you go about paying those taxes? In this show we show you exactly what form to complete in order to have the IRS withhold taxes from your Social Security benefit. We also talk about how taxes play a major role in when you claim Social Security.]]>
                                    </description>
                <pubDate>Fri, 14 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5667</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230414-73315-Wendol.mp3"  length="24037664"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security is taxable for some people. If that is the case, how do you go about paying those taxes? In this show we show you exactly what form to complete in order to have the IRS withhold taxes from your Social Security benefit. We also talk about how taxes play a major role in when you claim Social Security.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 14 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security is taxable for some people. If that is the case, how do you go about paying those taxes? In this show we show you exactly what form to complete in order to have the IRS withhold taxes from your Social Security benefit. We also talk about how taxes play a major role in when you claim Social Security.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Pay 0% Tax on Capital Gains]]>
                </title>
                                <description>
                                            <![CDATA[Not all income is treated equally by the IRS. Capital gains, particularly Long-Term gains, are taxed more favorably in many cases. In this show we discuss scenarios in which capital gains are taxed at 0%. Retirees in particular will want to learn this tax strategy.]]>
                                    </description>
                <pubDate>Fri, 07 Apr 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5641</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230407-73314-Wendol.mp3"  length="33366560"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Not all income is treated equally by the IRS. Capital gains, particularly Long-Term gains, are taxed more favorably in many cases. In this show we discuss scenarios in which capital gains are taxed at 0%. Retirees in particular will want to learn this tax strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 07 Apr 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Not all income is treated equally by the IRS. Capital gains, particularly Long-Term gains, are taxed more favorably in many cases. In this show we discuss scenarios in which capital gains are taxed at 0%. Retirees in particular will want to learn this tax strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Death Benefit Lump Sum]]>
                </title>
                                <description>
                                            <![CDATA[Does Social Security pay out a lump sum death benefit? Yes, they do. In this show we talk about how much the benefit is, who gets it, and the history behind this one-time payment from SSA.]]>
                                    </description>
                <pubDate>Fri, 31 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5616</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230331-73313-Wendol.mp3"  length="35114144"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Does Social Security pay out a lump sum death benefit? Yes, they do. In this show we talk about how much the benefit is, who gets it, and the history behind this one-time payment from SSA.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 31 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Does Social Security pay out a lump sum death benefit? Yes, they do. In this show we talk about how much the benefit is, who gets it, and the history behind this one-time payment from SSA.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[File Taxes For Free]]>
                </title>
                                <description>
                                            <![CDATA[There is a way to file your taxes online, using software, for free. Through the IRS Free File program, you can complete an online tax return using software that guides you step-by step at no cost. In this show we show you how and explain the qualifications for the free version.]]>
                                    </description>
                <pubDate>Fri, 24 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5591</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230324-73312-Wendol.mp3"  length="28911200"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There is a way to file your taxes online, using software, for free. Through the IRS Free File program, you can complete an online tax return using software that guides you step-by step at no cost. In this show we show you how and explain the qualifications for the free version.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 24 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There is a way to file your taxes online, using software, for free. Through the IRS Free File program, you can complete an online tax return using software that guides you step-by step at no cost. In this show we show you how and explain the qualifications for the free version.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should We Raise Social Security&#039;s Retirement Age?]]>
                </title>
                                <description>
                                            <![CDATA[Social Security is running out of money and will struggle to keep paying 100% of the benefits by roughly 2033. Raising the full retirement age up from 67 is one solution to this financial problem. The question is, will U.S. citizens stand for this benefit cut? Will Americans take to the streets as in France in early 2023, where a similar pension age increase is being debated?]]>
                                    </description>
                <pubDate>Fri, 17 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5568</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230317-73311-Wendol.mp3"  length="33853856"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security is running out of money and will struggle to keep paying 100% of the benefits by roughly 2033. Raising the full retirement age up from 67 is one solution to this financial problem. The question is, will U.S. citizens stand for this benefit cut? Will Americans take to the streets as in France in early 2023, where a similar pension age increase is being debated?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 17 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security is running out of money and will struggle to keep paying 100% of the benefits by roughly 2033. Raising the full retirement age up from 67 is one solution to this financial problem. The question is, will U.S. citizens stand for this benefit cut? Will Americans take to the streets as in France in early 2023, where a similar pension age increase is being debated?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Long Will Retirement Last?]]>
                </title>
                                <description>
                                            <![CDATA[When considering retirement, one of the first questions you must ask is - how long will I be retired? In this show we discuss the research on retirement length and changes since the 1960s through 2050!]]>
                                    </description>
                <pubDate>Fri, 10 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5544</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230310-73310-Wendol.mp3"  length="30907616"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When considering retirement, one of the first questions you must ask is - how long will I be retired? In this show we discuss the research on retirement length and changes since the 1960s through 2050!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 10 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When considering retirement, one of the first questions you must ask is - how long will I be retired? In this show we discuss the research on retirement length and changes since the 1960s through 2050!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Has Your 401k Gone Down?]]>
                </title>
                                <description>
                                            <![CDATA[Did poor performance crush 401k plans in 2022? How did the average investor hold up? What sort of adjustments were made and are retirement plans now off track?]]>
                                    </description>
                <pubDate>Fri, 03 Mar 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5520</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230303-73309-Wendol.mp3"  length="36365792"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Did poor performance crush 401k plans in 2022? How did the average investor hold up? What sort of adjustments were made and are retirement plans now off track?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 03 Mar 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Did poor performance crush 401k plans in 2022? How did the average investor hold up? What sort of adjustments were made and are retirement plans now off track?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Major Reason To NOT Retire Early]]>
                </title>
                                <description>
                                            <![CDATA[Early retirement is a goal for many people. However, some interesting research has come out suggesting that it may actually be harmful to your mental health. In this show we discuss why you may want to reconsider retiring early until you have a plan to deal with this potential problem.]]>
                                    </description>
                <pubDate>Fri, 24 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5494</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230224-73308-Wendol.mp3"  length="28487264"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Early retirement is a goal for many people. However, some interesting research has come out suggesting that it may actually be harmful to your mental health. In this show we discuss why you may want to reconsider retiring early until you have a plan to deal with this potential problem.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 24 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Early retirement is a goal for many people. However, some interesting research has come out suggesting that it may actually be harmful to your mental health. In this show we discuss why you may want to reconsider retiring early until you have a plan to deal with this potential problem.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Four Key Tax Concepts For Retire]]>
                </title>
                                <description>
                                            <![CDATA[Do you understand how retirement income is taxed? How do taxes impact Social Security income, Roth conversions, capital gains, and Medicare premiums? In this show we discuss four key tax concepts that every retiree should understand.]]>
                                    </description>
                <pubDate>Fri, 17 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5476</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230217-73307-Wendol.mp3"  length="37446944"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you understand how retirement income is taxed? How do taxes impact Social Security income, Roth conversions, capital gains, and Medicare premiums? In this show we discuss four key tax concepts that every retiree should understand.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 17 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you understand how retirement income is taxed? How do taxes impact Social Security income, Roth conversions, capital gains, and Medicare premiums? In this show we discuss four key tax concepts that every retiree should understand.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Clueless About Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Do you really need to know where your retirement is heading in order to have a comfortable retirement? In this show we talk about how planning out your finances in retirement is so much easier if you have a clear grasp on where you are trying to go or what you are trying to accomplish.]]>
                                    </description>
                <pubDate>Fri, 10 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5451</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230210-73306-Wendol.mp3"  length="38498144"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you really need to know where your retirement is heading in order to have a comfortable retirement? In this show we talk about how planning out your finances in retirement is so much easier if you have a clear grasp on where you are trying to go or what you are trying to accomplish.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 10 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you really need to know where your retirement is heading in order to have a comfortable retirement? In this show we talk about how planning out your finances in retirement is so much easier if you have a clear grasp on where you are trying to go or what you are trying to accomplish.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Advice from an NFL Star]]>
                </title>
                                <description>
                                            <![CDATA[Do you take advice from a former professional NFL player? In this show we watch and comment on an interview with Chad Ochocinco, a former wide receiver. His commentary about financial matters is profound and something everyone might benefit from hearing.]]>
                                    </description>
                <pubDate>Fri, 03 Feb 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5430</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230203-73305-Wendol.mp3"  length="40996256"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you take advice from a former professional NFL player? In this show we watch and comment on an interview with Chad Ochocinco, a former wide receiver. His commentary about financial matters is profound and something everyone might benefit from hearing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 03 Feb 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you take advice from a former professional NFL player? In this show we watch and comment on an interview with Chad Ochocinco, a former wide receiver. His commentary about financial matters is profound and something everyone might benefit from hearing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Really Tough Question]]>
                </title>
                                <description>
                                            <![CDATA[How long will you live? That&#039;s the really tough question that those planning retirement need to address. In this show we discuss why this is not only difficult to answer, but also extremely important to try to answer.]]>
                                    </description>
                <pubDate>Fri, 27 Jan 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5405</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230127-73304-Wendol.mp3"  length="34296800"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How long will you live? That&#039;s the really tough question that those planning retirement need to address. In this show we discuss why this is not only difficult to answer, but also extremely important to try to answer.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 27 Jan 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How long will you live? That&#039;s the really tough question that those planning retirement need to address. In this show we discuss why this is not only difficult to answer, but also extremely important to try to answer.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirees Need More Risk]]>
                </title>
                                <description>
                                            <![CDATA[The rule of thumb that you should reduce your risk exposure as you get older may be wrong. In this show, we discuss why the opposite may be true. As you age, a larger percentage of your assets may be exposed to a higher level of risk. This may actually be the result of a sound financial strategy.]]>
                                    </description>
                <pubDate>Fri, 20 Jan 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5388</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230120-73303-Wendol.mp3"  length="34746656"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The rule of thumb that you should reduce your risk exposure as you get older may be wrong. In this show, we discuss why the opposite may be true. As you age, a larger percentage of your assets may be exposed to a higher level of risk. This may actually be the result of a sound financial strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 20 Jan 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The rule of thumb that you should reduce your risk exposure as you get older may be wrong. In this show, we discuss why the opposite may be true. As you age, a larger percentage of your assets may be exposed to a higher level of risk. This may actually be the result of a sound financial strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[RMD Changes 2023]]>
                </title>
                                <description>
                                            <![CDATA[The age at which Required Minimum Distributions (RMDs) must begin has been raised again. This time the age has been increased from 72 to 73 and eventually to age 75. In this show we detail the rule changes, including the penalties associated with missing this important financial requirement.]]>
                                    </description>
                <pubDate>Fri, 13 Jan 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5366</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230114-73302-Wendol.mp3"  length="35126816"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The age at which Required Minimum Distributions (RMDs) must begin has been raised again. This time the age has been increased from 72 to 73 and eventually to age 75. In this show we detail the rule changes, including the penalties associated with missing this important financial requirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 13 Jan 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The age at which Required Minimum Distributions (RMDs) must begin has been raised again. This time the age has been increased from 72 to 73 and eventually to age 75. In this show we detail the rule changes, including the penalties associated with missing this important financial requirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Not Increasing Enough?]]>
                </title>
                                <description>
                                            <![CDATA[The 8.7% cost of living increase in Social Security for 2023 was the highest seen in decades. Yet, is it enough? According to the Senior Citizens League it isn&#039;t enough. In this show we talk about inflation and whether or not Social Security increases are enough to cover real life living expenses.]]>
                                    </description>
                <pubDate>Fri, 06 Jan 2023 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5346</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/230107-73301-Wendol.mp3"  length="28100192"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The 8.7% cost of living increase in Social Security for 2023 was the highest seen in decades. Yet, is it enough? According to the Senior Citizens League it isn&#039;t enough. In this show we talk about inflation and whether or not Social Security increases are enough to cover real life living expenses.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 06 Jan 2023 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The 8.7% cost of living increase in Social Security for 2023 was the highest seen in decades. Yet, is it enough? According to the Senior Citizens League it isn&#039;t enough. In this show we talk about inflation and whether or not Social Security increases are enough to cover real life living expenses.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lady Bird Deeds]]>
                </title>
                                <description>
                                            <![CDATA[A Lady Bird Deed, also known as an enhanced life estate, is a legal document you can use to pass your real estate asset to beneficiaries after your death. The Lady Bird deed is an option in a select few states, including Florida, and may be a simple and effective way to avoid probate or the need for the creation of a trust. Listen in as we explore this unique enhanced planning tool.]]>
                                    </description>
                <pubDate>Fri, 30 Dec 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5335</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221230-73300-Wendol.mp3"  length="34710368"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A Lady Bird Deed, also known as an enhanced life estate, is a legal document you can use to pass your real estate asset to beneficiaries after your death. The Lady Bird deed is an option in a select few states, including Florida, and may be a simple and effective way to avoid probate or the need for the creation of a trust. Listen in as we explore this unique enhanced planning tool.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 30 Dec 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A Lady Bird Deed, also known as an enhanced life estate, is a legal document you can use to pass your real estate asset to beneficiaries after your death. The Lady Bird deed is an option in a select few states, including Florida, and may be a simple and effective way to avoid probate or the need for the creation of a trust. Listen in as we explore this unique enhanced planning tool.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Housing Costs Impact Retirement Age]]>
                </title>
                                <description>
                                            <![CDATA[How much does your housing costs impact when you can retire? Those living in more expensive areas are theoretically earning more income. Does that allow them to retire sooner? In this show we discuss the research about how housing relates to income, social security timing, and willingness to move for retirement.]]>
                                    </description>
                <pubDate>Fri, 23 Dec 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5319</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221223-73299-Wendol.mp3"  length="31619552"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How much does your housing costs impact when you can retire? Those living in more expensive areas are theoretically earning more income. Does that allow them to retire sooner? In this show we discuss the research about how housing relates to income, social security timing, and willingness to move for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 23 Dec 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How much does your housing costs impact when you can retire? Those living in more expensive areas are theoretically earning more income. Does that allow them to retire sooner? In this show we discuss the research about how housing relates to income, social security timing, and willingness to move for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Do I need a Trust?]]>
                </title>
                                <description>
                                            <![CDATA[A trust is a legal document that is used to organize, protect, and help to distribute your assets when you pass away. Trusts are often considered a tool used by wealthy people, but they can useful in many different situations. In this show we discuss some major reasons you might need a trust and discuss the the value versus the cost of creating one.]]>
                                    </description>
                <pubDate>Fri, 16 Dec 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5297</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221217-73298-Wendol.mp3"  length="50590112"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A trust is a legal document that is used to organize, protect, and help to distribute your assets when you pass away. Trusts are often considered a tool used by wealthy people, but they can useful in many different situations. In this show we discuss some major reasons you might need a trust and discuss the the value versus the cost of creating one.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 16 Dec 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A trust is a legal document that is used to organize, protect, and help to distribute your assets when you pass away. Trusts are often considered a tool used by wealthy people, but they can useful in many different situations. In this show we discuss some major reasons you might need a trust and discuss the the value versus the cost of creating one.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid Taxes on IRAs with Qualified Charitable Distributions]]>
                </title>
                                <description>
                                            <![CDATA[Qualified Charitable Distributions, or QCDs, are a specific giving strategy that allows people to donate directly from an IRA. This can be used to satisfy a Required Minimum Distribution (RMD) without paying taxes on the distribution! 
In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy.]]>
                                    </description>
                <pubDate>Fri, 09 Dec 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5282</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221210-73297-Wendol.mp3"  length="29692256"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Qualified Charitable Distributions, or QCDs, are a specific giving strategy that allows people to donate directly from an IRA. This can be used to satisfy a Required Minimum Distribution (RMD) without paying taxes on the distribution! 
In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 09 Dec 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Qualified Charitable Distributions, or QCDs, are a specific giving strategy that allows people to donate directly from an IRA. This can be used to satisfy a Required Minimum Distribution (RMD) without paying taxes on the distribution! 
In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid Probate with Properly Ownership]]>
                </title>
                                <description>
                                            <![CDATA[Families troubles sometimes begin when a loved one is lost and leaves assets behind. Disagreements and legal battles can arise from seemingly small amounts of money or possessions. Properly titling and owning assets can go a long way to help prevent these issues. In this show we discuss the different forms of ownership and ways to avoid potentially expensive, time-consuming, and public legal battles.]]>
                                    </description>
                <pubDate>Fri, 02 Dec 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5262</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221203-73296-Wendol.mp3"  length="39344864"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Families troubles sometimes begin when a loved one is lost and leaves assets behind. Disagreements and legal battles can arise from seemingly small amounts of money or possessions. Properly titling and owning assets can go a long way to help prevent these issues. In this show we discuss the different forms of ownership and ways to avoid potentially expensive, time-consuming, and public legal battles.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 02 Dec 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Families troubles sometimes begin when a loved one is lost and leaves assets behind. Disagreements and legal battles can arise from seemingly small amounts of money or possessions. Properly titling and owning assets can go a long way to help prevent these issues. In this show we discuss the different forms of ownership and ways to avoid potentially expensive, time-consuming, and public legal battles.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Thanksgiving Costs Are Up Big]]>
                </title>
                                <description>
                                            <![CDATA[Has the cost for Thanksgiving dinner really gone up that much in 2022? In this show we discuss the real cost of the holiday meal and how much is has increased in the past year. We also share our personal family&#039;s addition to the meal and a way to save money this year.]]>
                                    </description>
                <pubDate>Fri, 25 Nov 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5243</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221125-73295-Wendol.mp3"  length="29262560"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Has the cost for Thanksgiving dinner really gone up that much in 2022? In this show we discuss the real cost of the holiday meal and how much is has increased in the past year. We also share our personal family&#039;s addition to the meal and a way to save money this year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 25 Nov 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Has the cost for Thanksgiving dinner really gone up that much in 2022? In this show we discuss the real cost of the holiday meal and how much is has increased in the past year. We also share our personal family&#039;s addition to the meal and a way to save money this year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 3 Reasons To Retire NOW]]>
                </title>
                                <description>
                                            <![CDATA[When are you going to retire? For many, the time is now and they just don&#039;t know it. In this show we discuss the three top reasons why you should walk away from your job and start retirement today. For certain situations, there is no time like the present!]]>
                                    </description>
                <pubDate>Fri, 18 Nov 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5218</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221118-73294-Wendol.mp3"  length="36047264"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When are you going to retire? For many, the time is now and they just don&#039;t know it. In this show we discuss the three top reasons why you should walk away from your job and start retirement today. For certain situations, there is no time like the present!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 18 Nov 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When are you going to retire? For many, the time is now and they just don&#039;t know it. In this show we discuss the three top reasons why you should walk away from your job and start retirement today. For certain situations, there is no time like the present!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Less Due To Inflation]]>
                </title>
                                <description>
                                            <![CDATA[Many Americans say they have stopped or reduced retirement savings due to inflation. Some have even said they have had to dip into their retirement savings because of rising inflation. Yet, rising inflation suggests you will need more in the future, which means you need to save more now. Why is there a disconnect?]]>
                                    </description>
                <pubDate>Fri, 11 Nov 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5194</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221111-73293-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many Americans say they have stopped or reduced retirement savings due to inflation. Some have even said they have had to dip into their retirement savings because of rising inflation. Yet, rising inflation suggests you will need more in the future, which means you need to save more now. Why is there a disconnect?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 11 Nov 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many Americans say they have stopped or reduced retirement savings due to inflation. Some have even said they have had to dip into their retirement savings because of rising inflation. Yet, rising inflation suggests you will need more in the future, which means you need to save more now. Why is there a disconnect?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why are people buying annuities?]]>
                </title>
                                <description>
                                            <![CDATA[There have been record number of annuities sold in the 3rd quarter of 2022 according to LIMRA. Fixed deferred and indexed annuities are seeing major growth year over year. In this show we discuss the main reason for these annuity purchases. The recent market volatility, desire for principal protection, and rising interest rates have created the perfect annuity storm.]]>
                                    </description>
                <pubDate>Fri, 04 Nov 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5170</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221105-73292-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There have been record number of annuities sold in the 3rd quarter of 2022 according to LIMRA. Fixed deferred and indexed annuities are seeing major growth year over year. In this show we discuss the main reason for these annuity purchases. The recent market volatility, desire for principal protection, and rising interest rates have created the perfect annuity storm.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 04 Nov 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There have been record number of annuities sold in the 3rd quarter of 2022 according to LIMRA. Fixed deferred and indexed annuities are seeing major growth year over year. In this show we discuss the main reason for these annuity purchases. The recent market volatility, desire for principal protection, and rising interest rates have created the perfect annuity storm.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inherited IRA Distribution Rules Update]]>
                </title>
                                <description>
                                            <![CDATA[The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do. The IRS recently published a notice on this very topic to help clear the confusion and address those that made incorrect distributions in 2020 and 2021.]]>
                                    </description>
                <pubDate>Fri, 28 Oct 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5148</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221029-73291-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do. The IRS recently published a notice on this very topic to help clear the confusion and address those that made incorrect distributions in 2020 and 2021.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 28 Oct 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The SECURE Act of 2019 changed the rules for Inherited IRAs. The distributions can no longer be stretched over the beneficiary&#039;s lifetime in many cases. This became known as the new 10 year rule. However, there was significant confusion about this new rule, which left many uncertain on what to do. The IRS recently published a notice on this very topic to help clear the confusion and address those that made incorrect distributions in 2020 and 2021.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Will I get Social Security the COLA if I delay?]]>
                </title>
                                <description>
                                            <![CDATA[Cost-of-living-adjustments (COLAs) are a big part of Social Security, particularly when we are at 40 year high increases in 2022! However, what if you haven&#039;t claimed Social Security benefits yet? Do you have to be collecting benefits in order to receive the COLA? In this show we address the concern people have regarding delaying benefits and missing out on COLAs.]]>
                                    </description>
                <pubDate>Fri, 21 Oct 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5123</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221022-73290-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Cost-of-living-adjustments (COLAs) are a big part of Social Security, particularly when we are at 40 year high increases in 2022! However, what if you haven&#039;t claimed Social Security benefits yet? Do you have to be collecting benefits in order to receive the COLA? In this show we address the concern people have regarding delaying benefits and missing out on COLAs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 21 Oct 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Cost-of-living-adjustments (COLAs) are a big part of Social Security, particularly when we are at 40 year high increases in 2022! However, what if you haven&#039;t claimed Social Security benefits yet? Do you have to be collecting benefits in order to receive the COLA? In this show we address the concern people have regarding delaying benefits and missing out on COLAs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Eliminate Roth IRAs &amp; Roth 401ks]]>
                </title>
                                <description>
                                            <![CDATA[The Roth IRA and Roth 401k are considered by many financial advisors as one of the best tools for retirement savings. However, a recent article from a well respected financial researcher and policy maker suggests otherwise. Find out why she feels the Roth options should be eliminated and whether or not we at Dolphin Financial Group agree.]]>
                                    </description>
                <pubDate>Fri, 14 Oct 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5101</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221015-73289-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Roth IRA and Roth 401k are considered by many financial advisors as one of the best tools for retirement savings. However, a recent article from a well respected financial researcher and policy maker suggests otherwise. Find out why she feels the Roth options should be eliminated and whether or not we at Dolphin Financial Group agree.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Fri, 14 Oct 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Roth IRA and Roth 401k are considered by many financial advisors as one of the best tools for retirement savings. However, a recent article from a well respected financial researcher and policy maker suggests otherwise. Find out why she feels the Roth options should be eliminated and whether or not we at Dolphin Financial Group agree.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Save for Retirement]]>
                </title>
                                <description>
                                            <![CDATA[According to some research, young people should NOT save for retirement. In fact, retirement saving should only happen during your middle age years. In this show we talk about how this might actually be a terrible idea.]]>
                                    </description>
                <pubDate>Thu, 06 Oct 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5081</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/221008-73288-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to some research, young people should NOT save for retirement. In fact, retirement saving should only happen during your middle age years. In this show we talk about how this might actually be a terrible idea.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 Oct 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to some research, young people should NOT save for retirement. In fact, retirement saving should only happen during your middle age years. In this show we talk about how this might actually be a terrible idea.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Consider a High Deductible Health Plan]]>
                </title>
                                <description>
                                            <![CDATA[Is a high deductible health plan (HDHP) something you should consider for you and/or your family? In this show we talk about what a HDHP is and why it may make sense for you. The main reason to consider using a HDHP is to gain access to the powerful features of a Health Savings Account (HSA).]]>
                                    </description>
                <pubDate>Thu, 22 Sep 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5046</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220922-73287-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is a high deductible health plan (HDHP) something you should consider for you and/or your family? In this show we talk about what a HDHP is and why it may make sense for you. The main reason to consider using a HDHP is to gain access to the powerful features of a Health Savings Account (HSA).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Sep 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is a high deductible health plan (HDHP) something you should consider for you and/or your family? In this show we talk about what a HDHP is and why it may make sense for you. The main reason to consider using a HDHP is to gain access to the powerful features of a Health Savings Account (HSA).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Single Women Have Lower Financial Confidence]]>
                </title>
                                <description>
                                            <![CDATA[Do single women have a financial advantage or disadvantage during retirement compared to their married counterparts. In this show we talk about a major challenge that single women face - lower retirement confidence. Why do single women have less financial confidence in retirement than married women and what can they do to improve their situation]]>
                                    </description>
                <pubDate>Thu, 15 Sep 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5026</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220915-73286-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do single women have a financial advantage or disadvantage during retirement compared to their married counterparts. In this show we talk about a major challenge that single women face - lower retirement confidence. Why do single women have less financial confidence in retirement than married women and what can they do to improve their situation]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Sep 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do single women have a financial advantage or disadvantage during retirement compared to their married counterparts. In this show we talk about a major challenge that single women face - lower retirement confidence. Why do single women have less financial confidence in retirement than married women and what can they do to improve their situation]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Multigeneration Living &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[More and more homes are becoming multigenerational. Young adults are moving back in with their parents (known as Boomerangs) and adults are moving in with their aging parents. The main reason for this living arrangement is financial. We discuss the findings from a recent study about this and talk about our real-life experiences and strategies with multigenerational living.]]>
                                    </description>
                <pubDate>Thu, 08 Sep 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-5007</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220908-73285-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[More and more homes are becoming multigenerational. Young adults are moving back in with their parents (known as Boomerangs) and adults are moving in with their aging parents. The main reason for this living arrangement is financial. We discuss the findings from a recent study about this and talk about our real-life experiences and strategies with multigenerational living.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Sep 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[More and more homes are becoming multigenerational. Young adults are moving back in with their parents (known as Boomerangs) and adults are moving in with their aging parents. The main reason for this living arrangement is financial. We discuss the findings from a recent study about this and talk about our real-life experiences and strategies with multigenerational living.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Use IRA to Delay Social Security]]>
                </title>
                                <description>
                                            <![CDATA[Does it make financial sense to delay Social Security if you need to withdraw from your retirement to cover expenses while you wait? On paper, delaying Social Security until age 70 makes financial sense for many. However, does it really benefit you to withdraw early from your retirement funds while you delay filing from Social Security from ages 62 to 70? Listen in as we tackle this complex problem.]]>
                                    </description>
                <pubDate>Thu, 01 Sep 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4985</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220901-73284-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Does it make financial sense to delay Social Security if you need to withdraw from your retirement to cover expenses while you wait? On paper, delaying Social Security until age 70 makes financial sense for many. However, does it really benefit you to withdraw early from your retirement funds while you delay filing from Social Security from ages 62 to 70? Listen in as we tackle this complex problem.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Sep 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Does it make financial sense to delay Social Security if you need to withdraw from your retirement to cover expenses while you wait? On paper, delaying Social Security until age 70 makes financial sense for many. However, does it really benefit you to withdraw early from your retirement funds while you delay filing from Social Security from ages 62 to 70? Listen in as we tackle this complex problem.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 3 Social Security &quot;Must Knows&quot;]]>
                </title>
                                <description>
                                            <![CDATA[Social Security is a very misunderstood financial tool. People are not sure how Social Security works, how benefits are determined, how to claim off a spouse, or simply when to claim. In this show we reference a recent study about how little Americans know about this massive program. We also share the top three concepts about Social Security that everyone should know and understand.]]>
                                    </description>
                <pubDate>Thu, 25 Aug 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4965</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220825-73283-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security is a very misunderstood financial tool. People are not sure how Social Security works, how benefits are determined, how to claim off a spouse, or simply when to claim. In this show we reference a recent study about how little Americans know about this massive program. We also share the top three concepts about Social Security that everyone should know and understand.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Aug 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security is a very misunderstood financial tool. People are not sure how Social Security works, how benefits are determined, how to claim off a spouse, or simply when to claim. In this show we reference a recent study about how little Americans know about this massive program. We also share the top three concepts about Social Security that everyone should know and understand.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Risks in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[There are many financial risks people face in retirement. Some risks are more likely to come into play than others. In this show, we talk about five major risks retirees face. We also review some recent research that compares what people subjectively think about the risk to the objective reality of the same risk. In other words, do people overestimate or underestimate the risks they face in retirement?]]>
                                    </description>
                <pubDate>Thu, 18 Aug 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4945</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220818-73282-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many financial risks people face in retirement. Some risks are more likely to come into play than others. In this show, we talk about five major risks retirees face. We also review some recent research that compares what people subjectively think about the risk to the objective reality of the same risk. In other words, do people overestimate or underestimate the risks they face in retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Aug 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are many financial risks people face in retirement. Some risks are more likely to come into play than others. In this show, we talk about five major risks retirees face. We also review some recent research that compares what people subjectively think about the risk to the objective reality of the same risk. In other words, do people overestimate or underestimate the risks they face in retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retire in Puerto Rico and pay no tax?]]>
                </title>
                                <description>
                                            <![CDATA[Many people consider moving outside of the US to retire in order to reduce their cost of living. What about staying in the US territory of Puerto Rico? In this show we discuss the tax advantages to living in Puerto Rico. We discuss how income is taxed, including Social Security. Does it make financial sense to call Puerto Rico home during your retirement years?]]>
                                    </description>
                <pubDate>Thu, 11 Aug 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4918</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220813-73281-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people consider moving outside of the US to retire in order to reduce their cost of living. What about staying in the US territory of Puerto Rico? In this show we discuss the tax advantages to living in Puerto Rico. We discuss how income is taxed, including Social Security. Does it make financial sense to call Puerto Rico home during your retirement years?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Aug 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people consider moving outside of the US to retire in order to reduce their cost of living. What about staying in the US territory of Puerto Rico? In this show we discuss the tax advantages to living in Puerto Rico. We discuss how income is taxed, including Social Security. Does it make financial sense to call Puerto Rico home during your retirement years?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2022 Retirement Landscape]]>
                </title>
                                <description>
                                            <![CDATA[The year 2022 has been quite volatile in the financial markets. Has this changed our attitude about retirement? In this show we explore a recent survey about what savers and employers are feeling when it comes to retirement. You might be surprised what people want as part of their retirement plans.]]>
                                    </description>
                <pubDate>Thu, 04 Aug 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4897</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220806-73280-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The year 2022 has been quite volatile in the financial markets. Has this changed our attitude about retirement? In this show we explore a recent survey about what savers and employers are feeling when it comes to retirement. You might be surprised what people want as part of their retirement plans.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Aug 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The year 2022 has been quite volatile in the financial markets. Has this changed our attitude about retirement? In this show we explore a recent survey about what savers and employers are feeling when it comes to retirement. You might be surprised what people want as part of their retirement plans.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring During Volatile Markets]]>
                </title>
                                <description>
                                            <![CDATA[How can you retire when the financial markets are in turmoil? Should you retire during such a volatile time? In this show we discuss three key considerations or tips for people looking to retire when the financial markets are more volatile than usual.]]>
                                    </description>
                <pubDate>Thu, 28 Jul 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4877</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220728-73279-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How can you retire when the financial markets are in turmoil? Should you retire during such a volatile time? In this show we discuss three key considerations or tips for people looking to retire when the financial markets are more volatile than usual.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Jul 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How can you retire when the financial markets are in turmoil? Should you retire during such a volatile time? In this show we discuss three key considerations or tips for people looking to retire when the financial markets are more volatile than usual.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Fixing Social Security]]>
                </title>
                                <description>
                                            <![CDATA[In the year 2033 there may be a 24% shortfall in Social Security payments. How can we fix this potential situation? Either we increase taxes, reduce benefits, or combination of both. In this show we get into very specific proposals for how to get Social Security back on track.]]>
                                    </description>
                <pubDate>Thu, 21 Jul 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4854</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220721-73278-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In the year 2033 there may be a 24% shortfall in Social Security payments. How can we fix this potential situation? Either we increase taxes, reduce benefits, or combination of both. In this show we get into very specific proposals for how to get Social Security back on track.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Jul 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In the year 2033 there may be a 24% shortfall in Social Security payments. How can we fix this potential situation? Either we increase taxes, reduce benefits, or combination of both. In this show we get into very specific proposals for how to get Social Security back on track.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Where to invest right now?]]>
                </title>
                                <description>
                                            <![CDATA[If you had money to invest right now, where should you consider putting it? With current turmoil and uncertainty, it seems like a difficult question to answer. In this show we discuss the many options on where to invest your money. The top suggestion in the end may really surprise you...]]>
                                    </description>
                <pubDate>Thu, 14 Jul 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4837</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220714-73277-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you had money to invest right now, where should you consider putting it? With current turmoil and uncertainty, it seems like a difficult question to answer. In this show we discuss the many options on where to invest your money. The top suggestion in the end may really surprise you...]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Jul 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you had money to invest right now, where should you consider putting it? With current turmoil and uncertainty, it seems like a difficult question to answer. In this show we discuss the many options on where to invest your money. The top suggestion in the end may really surprise you...]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Which Account To Withdraw From First?]]>
                </title>
                                <description>
                                            <![CDATA[When you retire, which account should you pull from and when? Conventional wisdom suggest first withdrawing from taxable accounts, followed by IRAs, and then lastly from Roth accounts. Is this conventional wisdom correct? Is there a strategic way to withdraw your retirement income in order to maximize income and minimize taxes? Are there other considerations?]]>
                                    </description>
                <pubDate>Thu, 07 Jul 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4823</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220709-73276-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When you retire, which account should you pull from and when? Conventional wisdom suggest first withdrawing from taxable accounts, followed by IRAs, and then lastly from Roth accounts. Is this conventional wisdom correct? Is there a strategic way to withdraw your retirement income in order to maximize income and minimize taxes? Are there other considerations?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Jul 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When you retire, which account should you pull from and when? Conventional wisdom suggest first withdrawing from taxable accounts, followed by IRAs, and then lastly from Roth accounts. Is this conventional wisdom correct? Is there a strategic way to withdraw your retirement income in order to maximize income and minimize taxes? Are there other considerations?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Roth Conversion in a Bear Market]]>
                </title>
                                <description>
                                            <![CDATA[When your IRA stock portfolio is down in value, does it make sense to covert a portion to a Roth? Since the value is lower, you can convert a higher portion to a Roth for the same tax liability. However, this may not be the best approach to deciding on a Roth conversion. In this show we discuss converting to a Roth in a Bear market.]]>
                                    </description>
                <pubDate>Thu, 30 Jun 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4801</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220630-73275-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When your IRA stock portfolio is down in value, does it make sense to covert a portion to a Roth? Since the value is lower, you can convert a higher portion to a Roth for the same tax liability. However, this may not be the best approach to deciding on a Roth conversion. In this show we discuss converting to a Roth in a Bear market.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Jun 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When your IRA stock portfolio is down in value, does it make sense to covert a portion to a Roth? Since the value is lower, you can convert a higher portion to a Roth for the same tax liability. However, this may not be the best approach to deciding on a Roth conversion. In this show we discuss converting to a Roth in a Bear market.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Rising Rates Are Good For Retirees]]>
                </title>
                                <description>
                                            <![CDATA[The Federal Reserve is raising rates at a fast pace to fight inflation. This has created a lot of volatility in the stock/bond markets. These Fed rate changes ultimately lead to interest rate increases for mortgages and other debts. Yet, these increases might actually be a good thing, particularly for retirees.]]>
                                    </description>
                <pubDate>Thu, 23 Jun 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4780</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220623-73274-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Federal Reserve is raising rates at a fast pace to fight inflation. This has created a lot of volatility in the stock/bond markets. These Fed rate changes ultimately lead to interest rate increases for mortgages and other debts. Yet, these increases might actually be a good thing, particularly for retirees.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Jun 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Federal Reserve is raising rates at a fast pace to fight inflation. This has created a lot of volatility in the stock/bond markets. These Fed rate changes ultimately lead to interest rate increases for mortgages and other debts. Yet, these increases might actually be a good thing, particularly for retirees.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 4 Phases of Retirement Spending]]>
                </title>
                                <description>
                                            <![CDATA[In his book, &quot;The Four Phases of Retirement&quot; Dr. Riley Moynes outlines four distinct phases people go through after retiring. In this show, we discuss these four phases and the financial aspects of each phase. Are some phases more expensive than others?]]>
                                    </description>
                <pubDate>Thu, 16 Jun 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4758</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220618-73273-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In his book, &quot;The Four Phases of Retirement&quot; Dr. Riley Moynes outlines four distinct phases people go through after retiring. In this show, we discuss these four phases and the financial aspects of each phase. Are some phases more expensive than others?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Jun 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In his book, &quot;The Four Phases of Retirement&quot; Dr. Riley Moynes outlines four distinct phases people go through after retiring. In this show, we discuss these four phases and the financial aspects of each phase. Are some phases more expensive than others?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Delaying Retirement Due to Inflation]]>
                </title>
                                <description>
                                            <![CDATA[Inflation is high. There is no doubt that people are concerned about rising inflation and prices. In fact, according to a recent BMO survey, many are delaying retirement because of inflation! In this show we discuss if people should delay retirement because of inflation.]]>
                                    </description>
                <pubDate>Thu, 09 Jun 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4745</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220611-73272-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Inflation is high. There is no doubt that people are concerned about rising inflation and prices. In fact, according to a recent BMO survey, many are delaying retirement because of inflation! In this show we discuss if people should delay retirement because of inflation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 09 Jun 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Inflation is high. There is no doubt that people are concerned about rising inflation and prices. In fact, according to a recent BMO survey, many are delaying retirement because of inflation! In this show we discuss if people should delay retirement because of inflation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Annuity Rates Going Up]]>
                </title>
                                <description>
                                            <![CDATA[Rising interest rates impact many things such as mortgages rates, bond prices, and the overall economy. What impact do rising rates have on annuities? Do annuities pay more as interest rates go up? Should I buy an annuity in a rising interest rate environment? What is a fixed annuity or a MYGA (Multi-Year Guarantee Annuity)? We answer all of these questions in this show about interest rates and annuities.]]>
                                    </description>
                <pubDate>Thu, 02 Jun 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4724</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220604-73271-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Rising interest rates impact many things such as mortgages rates, bond prices, and the overall economy. What impact do rising rates have on annuities? Do annuities pay more as interest rates go up? Should I buy an annuity in a rising interest rate environment? What is a fixed annuity or a MYGA (Multi-Year Guarantee Annuity)? We answer all of these questions in this show about interest rates and annuities.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Jun 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Rising interest rates impact many things such as mortgages rates, bond prices, and the overall economy. What impact do rising rates have on annuities? Do annuities pay more as interest rates go up? Should I buy an annuity in a rising interest rate environment? What is a fixed annuity or a MYGA (Multi-Year Guarantee Annuity)? We answer all of these questions in this show about interest rates and annuities.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[I&#039;m 60...do I have enough saved for retirement?]]>
                </title>
                                <description>
                                            <![CDATA[People like to know where they stand, particularly when it comes to their bank accounts. Do I have enough to retire? How much money should I have saved by age 55 or 60? This info is definitely interesting to know, but does it provide any value? In this show we talk about what the average retirement savings are at various ages and discuss why this information may not be as useful as you think.]]>
                                    </description>
                <pubDate>Thu, 26 May 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4697</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220528-73270-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[People like to know where they stand, particularly when it comes to their bank accounts. Do I have enough to retire? How much money should I have saved by age 55 or 60? This info is definitely interesting to know, but does it provide any value? In this show we talk about what the average retirement savings are at various ages and discuss why this information may not be as useful as you think.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 May 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[People like to know where they stand, particularly when it comes to their bank accounts. Do I have enough to retire? How much money should I have saved by age 55 or 60? This info is definitely interesting to know, but does it provide any value? In this show we talk about what the average retirement savings are at various ages and discuss why this information may not be as useful as you think.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Inflation impacts everyone and seemingly every financial plan. Does your retirement plan factor inflation? In this show we talk about how inflation has a major impact on those in retirement. We also discuss specific strategies and tips for dealing with inflation when you are retired.]]>
                                    </description>
                <pubDate>Thu, 19 May 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4677</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220521-73269-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Inflation impacts everyone and seemingly every financial plan. Does your retirement plan factor inflation? In this show we talk about how inflation has a major impact on those in retirement. We also discuss specific strategies and tips for dealing with inflation when you are retired.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 May 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Inflation impacts everyone and seemingly every financial plan. Does your retirement plan factor inflation? In this show we talk about how inflation has a major impact on those in retirement. We also discuss specific strategies and tips for dealing with inflation when you are retired.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Buying Happiness]]>
                </title>
                                <description>
                                            <![CDATA[How much income is needed to be happy? In the past, a major study indicated that $75,000 was the magic number. After that, additional income doesn&#039;t move the happiness needle all that much. However, a more recent study suggests otherwise. In this show we talk about this idea of how much income is enough income.]]>
                                    </description>
                <pubDate>Thu, 12 May 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4654</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220514-73268-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How much income is needed to be happy? In the past, a major study indicated that $75,000 was the magic number. After that, additional income doesn&#039;t move the happiness needle all that much. However, a more recent study suggests otherwise. In this show we talk about this idea of how much income is enough income.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 May 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How much income is needed to be happy? In the past, a major study indicated that $75,000 was the magic number. After that, additional income doesn&#039;t move the happiness needle all that much. However, a more recent study suggests otherwise. In this show we talk about this idea of how much income is enough income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cost of Long Term Care - Beyond Money]]>
                </title>
                                <description>
                                            <![CDATA[We all know the financial cost of Long Term Care is high. Not only are communities and facilities expensive, but so is insurance, or even home health assistance. The costs go well beyond the numbers and have an emotional and physical strain on the caregiver as well. In this show, we talk about these issues with Linda Burhans, a caregiver expert. She share experiences, tips, and strategies to offset the hidden costs of long term care.]]>
                                    </description>
                <pubDate>Thu, 05 May 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4629</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220507-73267-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We all know the financial cost of Long Term Care is high. Not only are communities and facilities expensive, but so is insurance, or even home health assistance. The costs go well beyond the numbers and have an emotional and physical strain on the caregiver as well. In this show, we talk about these issues with Linda Burhans, a caregiver expert. She share experiences, tips, and strategies to offset the hidden costs of long term care.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 May 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We all know the financial cost of Long Term Care is high. Not only are communities and facilities expensive, but so is insurance, or even home health assistance. The costs go well beyond the numbers and have an emotional and physical strain on the caregiver as well. In this show, we talk about these issues with Linda Burhans, a caregiver expert. She share experiences, tips, and strategies to offset the hidden costs of long term care.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Pay Off Mortgage in Retirement?]]>
                </title>
                                <description>
                                            <![CDATA[Who wants to be debt free? As people get closer to retirement, the main (and usually only) debt is the home mortgage. Should you pay off your mortgage as you entre retirement? Maybe so maybe not. In this show we discuss the reasons for and against paying off your mortgage.]]>
                                    </description>
                <pubDate>Thu, 28 Apr 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4607</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220430-73266-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Who wants to be debt free? As people get closer to retirement, the main (and usually only) debt is the home mortgage. Should you pay off your mortgage as you entre retirement? Maybe so maybe not. In this show we discuss the reasons for and against paying off your mortgage.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Apr 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Who wants to be debt free? As people get closer to retirement, the main (and usually only) debt is the home mortgage. Should you pay off your mortgage as you entre retirement? Maybe so maybe not. In this show we discuss the reasons for and against paying off your mortgage.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Stressed About Retirement - Top 4 Reasons]]>
                </title>
                                <description>
                                            <![CDATA[What are the top four reasons people stress about retirement? Better yet, what are the solutions to remove this stress? Many people are unnecessarily stressed about retirement. Listen in to learn how to relieve the anxiety that you may be facing.]]>
                                    </description>
                <pubDate>Thu, 21 Apr 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4581</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220424-73265-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What are the top four reasons people stress about retirement? Better yet, what are the solutions to remove this stress? Many people are unnecessarily stressed about retirement. Listen in to learn how to relieve the anxiety that you may be facing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Apr 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What are the top four reasons people stress about retirement? Better yet, what are the solutions to remove this stress? Many people are unnecessarily stressed about retirement. Listen in to learn how to relieve the anxiety that you may be facing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Taxes By State]]>
                </title>
                                <description>
                                            <![CDATA[Many say that Florida is a really low tax state. Some even say Florida has NO taxes. Is any of this true? In this show, we review the 2022 Tax Burden by State report put out by WalletHub. We discuss where Florida falls on the list and how state income tax isn&#039;t the only tax people face.]]>
                                    </description>
                <pubDate>Thu, 14 Apr 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4561</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220417-73264-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many say that Florida is a really low tax state. Some even say Florida has NO taxes. Is any of this true? In this show, we review the 2022 Tax Burden by State report put out by WalletHub. We discuss where Florida falls on the list and how state income tax isn&#039;t the only tax people face.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Apr 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many say that Florida is a really low tax state. Some even say Florida has NO taxes. Is any of this true? In this show, we review the 2022 Tax Burden by State report put out by WalletHub. We discuss where Florida falls on the list and how state income tax isn&#039;t the only tax people face.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should you own Bonds?]]>
                </title>
                                <description>
                                            <![CDATA[Whether they realize it or not, most people own bonds in their retirement portfolio. This is a traditional investment strategy that may be due for a change. Do you own bonds, and if so, why? Are bonds an appropriate asset to hold in a retirement portfolio? Listen in as we discuss whether or not bonds are something people should own in today&#039;s market environment.]]>
                                    </description>
                <pubDate>Thu, 07 Apr 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4536</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220409-73263-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Whether they realize it or not, most people own bonds in their retirement portfolio. This is a traditional investment strategy that may be due for a change. Do you own bonds, and if so, why? Are bonds an appropriate asset to hold in a retirement portfolio? Listen in as we discuss whether or not bonds are something people should own in today&#039;s market environment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Apr 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Whether they realize it or not, most people own bonds in their retirement portfolio. This is a traditional investment strategy that may be due for a change. Do you own bonds, and if so, why? Are bonds an appropriate asset to hold in a retirement portfolio? Listen in as we discuss whether or not bonds are something people should own in today&#039;s market environment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Advice For Your Younger Self]]>
                </title>
                                <description>
                                            <![CDATA[What is one piece of financial advise you&#039;d give your younger self if you could? Florida has just joined a handful of other states that now require Financial Literacy in high school in order to get a diploma. In this show we discuss the new requirements and if they are where they need to be to help these youngsters retire years from now.]]>
                                    </description>
                <pubDate>Thu, 31 Mar 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4508</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220402-73262-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What is one piece of financial advise you&#039;d give your younger self if you could? Florida has just joined a handful of other states that now require Financial Literacy in high school in order to get a diploma. In this show we discuss the new requirements and if they are where they need to be to help these youngsters retire years from now.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 31 Mar 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What is one piece of financial advise you&#039;d give your younger self if you could? Florida has just joined a handful of other states that now require Financial Literacy in high school in order to get a diploma. In this show we discuss the new requirements and if they are where they need to be to help these youngsters retire years from now.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Dollar Cost Ravaging Your Investments]]>
                </title>
                                <description>
                                            <![CDATA[Does stock market volatility matter when you are retired? If you are pulling income from those investments, you bet it does! In this show we talk about how generating income from retirement assets can be subjected to Dollar Cost Ravaging, also known as Sequence Risk. If you are worried about running out of money in retirement, be sure to listen to this show and apply the lessons learned to your situation.]]>
                                    </description>
                <pubDate>Thu, 24 Mar 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4482</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220326-73261-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Does stock market volatility matter when you are retired? If you are pulling income from those investments, you bet it does! In this show we talk about how generating income from retirement assets can be subjected to Dollar Cost Ravaging, also known as Sequence Risk. If you are worried about running out of money in retirement, be sure to listen to this show and apply the lessons learned to your situation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Mar 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Does stock market volatility matter when you are retired? If you are pulling income from those investments, you bet it does! In this show we talk about how generating income from retirement assets can be subjected to Dollar Cost Ravaging, also known as Sequence Risk. If you are worried about running out of money in retirement, be sure to listen to this show and apply the lessons learned to your situation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spending in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[The rule of thumb is that retirees spend 80% of their pre-retirement income in retirement. This rule of thumb is wrong. There are many factors that go into how much people spend during retirement and spending doesn&#039;t stay constant. In this show we talk about how and when retirees spend.]]>
                                    </description>
                <pubDate>Thu, 17 Mar 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4461</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220319-73260-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The rule of thumb is that retirees spend 80% of their pre-retirement income in retirement. This rule of thumb is wrong. There are many factors that go into how much people spend during retirement and spending doesn&#039;t stay constant. In this show we talk about how and when retirees spend.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Mar 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The rule of thumb is that retirees spend 80% of their pre-retirement income in retirement. This rule of thumb is wrong. There are many factors that go into how much people spend during retirement and spending doesn&#039;t stay constant. In this show we talk about how and when retirees spend.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Lesson from an Aesop Fable]]>
                </title>
                                <description>
                                            <![CDATA[What can we learn from Aesop&#039;s Fable, &quot;The Miller, His Son, &amp; the Ass&quot;? In this show we tell the story and how it relates to financial plans. Sometimes when you try to please everyone, you please no one.]]>
                                    </description>
                <pubDate>Thu, 10 Mar 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4439</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220312-73259-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What can we learn from Aesop&#039;s Fable, &quot;The Miller, His Son, &amp; the Ass&quot;? In this show we tell the story and how it relates to financial plans. Sometimes when you try to please everyone, you please no one.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Mar 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What can we learn from Aesop&#039;s Fable, &quot;The Miller, His Son, &amp; the Ass&quot;? In this show we tell the story and how it relates to financial plans. Sometimes when you try to please everyone, you please no one.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retire Early, Unexpectedly]]>
                </title>
                                <description>
                                            <![CDATA[Many people have expectations to continue working until 65 or later. In reality, that doesn&#039;t happen as much as planned. The median age of retirement is 62, despite other intentions. Why are people retiring earlier than expect? Should you plan for an early retirement, even if you intend to work later?]]>
                                    </description>
                <pubDate>Thu, 03 Mar 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4412</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220305-73258-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many people have expectations to continue working until 65 or later. In reality, that doesn&#039;t happen as much as planned. The median age of retirement is 62, despite other intentions. Why are people retiring earlier than expect? Should you plan for an early retirement, even if you intend to work later?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Mar 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many people have expectations to continue working until 65 or later. In reality, that doesn&#039;t happen as much as planned. The median age of retirement is 62, despite other intentions. Why are people retiring earlier than expect? Should you plan for an early retirement, even if you intend to work later?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Long Term Care]]>
                </title>
                                <description>
                                            <![CDATA[The costs of Long Term Care are once again going up? Can we blame Covid or just general trends? In this show we talk numbers and discuss the costs of home healthcare, assisted living, and nursing home facilities. We reference the &quot;2021 Genworth Cost of Care Survey&quot; and give our take on this financial issue.]]>
                                    </description>
                <pubDate>Thu, 24 Feb 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4386</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220226-73257-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The costs of Long Term Care are once again going up? Can we blame Covid or just general trends? In this show we talk numbers and discuss the costs of home healthcare, assisted living, and nursing home facilities. We reference the &quot;2021 Genworth Cost of Care Survey&quot; and give our take on this financial issue.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Feb 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The costs of Long Term Care are once again going up? Can we blame Covid or just general trends? In this show we talk numbers and discuss the costs of home healthcare, assisted living, and nursing home facilities. We reference the &quot;2021 Genworth Cost of Care Survey&quot; and give our take on this financial issue.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Should File Taxes Early]]>
                </title>
                                <description>
                                            <![CDATA[Each year in April, income taxes are due. Some people wait until the last minute, others file as soon as possible. In this show we discuss the reasons why it makes sense to file your taxes early. If you are a procrastinator when it comes to taxes, this show might actually change your behavior.]]>
                                    </description>
                <pubDate>Thu, 17 Feb 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4362</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220219-73256-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Each year in April, income taxes are due. Some people wait until the last minute, others file as soon as possible. In this show we discuss the reasons why it makes sense to file your taxes early. If you are a procrastinator when it comes to taxes, this show might actually change your behavior.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Feb 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Each year in April, income taxes are due. Some people wait until the last minute, others file as soon as possible. In this show we discuss the reasons why it makes sense to file your taxes early. If you are a procrastinator when it comes to taxes, this show might actually change your behavior.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Taxes on Social Security income]]>
                </title>
                                <description>
                                            <![CDATA[Social Security income is taxable. It wasn&#039;t designed that way, but in 1983 and again in 1993, Congress starting taxing more and more of your Social Security checks. In this show we talk about how it is taxed and how to minimize that tax. We also address the idea that this can be considered double taxation.]]>
                                    </description>
                <pubDate>Thu, 10 Feb 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4339</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220212-73255-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security income is taxable. It wasn&#039;t designed that way, but in 1983 and again in 1993, Congress starting taxing more and more of your Social Security checks. In this show we talk about how it is taxed and how to minimize that tax. We also address the idea that this can be considered double taxation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Feb 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security income is taxable. It wasn&#039;t designed that way, but in 1983 and again in 1993, Congress starting taxing more and more of your Social Security checks. In this show we talk about how it is taxed and how to minimize that tax. We also address the idea that this can be considered double taxation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[I Bonds: Do they really protect against inflation?]]>
                </title>
                                <description>
                                            <![CDATA[What are Series I savings bonds? Is it true they are paying over 7% in early 2022? How do they work and should I consider them for myself? In this show we discuss these savings bonds, how they adjust for inflation, and how they play into retirement savings.]]>
                                    </description>
                <pubDate>Thu, 03 Feb 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4317</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220205-73254-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What are Series I savings bonds? Is it true they are paying over 7% in early 2022? How do they work and should I consider them for myself? In this show we discuss these savings bonds, how they adjust for inflation, and how they play into retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Feb 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What are Series I savings bonds? Is it true they are paying over 7% in early 2022? How do they work and should I consider them for myself? In this show we discuss these savings bonds, how they adjust for inflation, and how they play into retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security From Ex-Spouse After Remarriage]]>
                </title>
                                <description>
                                            <![CDATA[Am I eligible for Social Security benefits based on an ex-spouse if I am currently remarried? The answer is &quot;maybe.&quot; In this show we talk about how you can get a Survivor Benefit if an ex-spouse dies or a Spousal Benefit based on an ex-spouse, even if you are currently remarried.]]>
                                    </description>
                <pubDate>Thu, 27 Jan 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4274</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220129-73253-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Am I eligible for Social Security benefits based on an ex-spouse if I am currently remarried? The answer is &quot;maybe.&quot; In this show we talk about how you can get a Survivor Benefit if an ex-spouse dies or a Spousal Benefit based on an ex-spouse, even if you are currently remarried.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Jan 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Am I eligible for Social Security benefits based on an ex-spouse if I am currently remarried? The answer is &quot;maybe.&quot; In this show we talk about how you can get a Survivor Benefit if an ex-spouse dies or a Spousal Benefit based on an ex-spouse, even if you are currently remarried.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[At What Age Will You Retire?]]>
                </title>
                                <description>
                                            <![CDATA[At what age are you planning to retire? What is holding you back from retirement? In this podcast we discuss these questions while referencing a recent survey on the topic. Spoiler alert - age 60 is still a highly desirable retirement age.]]>
                                    </description>
                <pubDate>Thu, 20 Jan 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4249</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220122-73252-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[At what age are you planning to retire? What is holding you back from retirement? In this podcast we discuss these questions while referencing a recent survey on the topic. Spoiler alert - age 60 is still a highly desirable retirement age.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Jan 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[At what age are you planning to retire? What is holding you back from retirement? In this podcast we discuss these questions while referencing a recent survey on the topic. Spoiler alert - age 60 is still a highly desirable retirement age.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Six Financial Moves to Make at the Beginning of the Year]]>
                </title>
                                <description>
                                            <![CDATA[What are six financial moves you should consider making at the beginning of the year? In this show, Dan, Chris, &amp; Tony talk about their top suggested financial moves to work on now. From retirement contributions, insurance reviews, and taxes, listen in to learn how to improve your financial life.]]>
                                    </description>
                <pubDate>Thu, 13 Jan 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4223</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220115-73251-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What are six financial moves you should consider making at the beginning of the year? In this show, Dan, Chris, &amp; Tony talk about their top suggested financial moves to work on now. From retirement contributions, insurance reviews, and taxes, listen in to learn how to improve your financial life.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 13 Jan 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What are six financial moves you should consider making at the beginning of the year? In this show, Dan, Chris, &amp; Tony talk about their top suggested financial moves to work on now. From retirement contributions, insurance reviews, and taxes, listen in to learn how to improve your financial life.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Financial Trends in 2022 (Predictions)]]>
                </title>
                                <description>
                                            <![CDATA[What financial trends will dominate 2022? In this show we talk about the top five financial trends we expect will occur in 2022. Will from inflation to housing to cryptocurrency, we give you our best guess.]]>
                                    </description>
                <pubDate>Thu, 06 Jan 2022 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4202</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220108-73250-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What financial trends will dominate 2022? In this show we talk about the top five financial trends we expect will occur in 2022. Will from inflation to housing to cryptocurrency, we give you our best guess.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 Jan 2022 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What financial trends will dominate 2022? In this show we talk about the top five financial trends we expect will occur in 2022. Will from inflation to housing to cryptocurrency, we give you our best guess.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Bad Were Our 2021 Predictions?]]>
                </title>
                                <description>
                                            <![CDATA[At the end of 2020, we made some predictions on financial trends for 2021. Were we right or wrong? In this show we hold Dan Wendol accountable for his predictions for the year. And be sure to listen to the end of the show as Tony joins in the holiday spirit to share his opinion on the top 5 new album releases for 2021]]>
                                    </description>
                <pubDate>Thu, 30 Dec 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4192</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/220101-73249-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[At the end of 2020, we made some predictions on financial trends for 2021. Were we right or wrong? In this show we hold Dan Wendol accountable for his predictions for the year. And be sure to listen to the end of the show as Tony joins in the holiday spirit to share his opinion on the top 5 new album releases for 2021]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Dec 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[At the end of 2020, we made some predictions on financial trends for 2021. Were we right or wrong? In this show we hold Dan Wendol accountable for his predictions for the year. And be sure to listen to the end of the show as Tony joins in the holiday spirit to share his opinion on the top 5 new album releases for 2021]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing in Toys Outperforms the Market!?]]>
                </title>
                                <description>
                                            <![CDATA[Would you have been better off investing money in Legos or stocks, bonds, or gold from 1987 to 2015? The answer might surprise you. Tune in as we discuss a recent study on how investing in toys actually led to better returns over time.]]>
                                    </description>
                <pubDate>Thu, 23 Dec 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4181</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211225-73248-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Would you have been better off investing money in Legos or stocks, bonds, or gold from 1987 to 2015? The answer might surprise you. Tune in as we discuss a recent study on how investing in toys actually led to better returns over time.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Dec 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Would you have been better off investing money in Legos or stocks, bonds, or gold from 1987 to 2015? The answer might surprise you. Tune in as we discuss a recent study on how investing in toys actually led to better returns over time.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Highest Social Security Benefit]]>
                </title>
                                <description>
                                            <![CDATA[What is the highest monthly Social Security benefit one may receive? In this show we answer that question as well as how your benefit is calculated. Will you receive the highest possible Social Security benefit?]]>
                                    </description>
                <pubDate>Thu, 16 Dec 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4163</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211218-73247-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What is the highest monthly Social Security benefit one may receive? In this show we answer that question as well as how your benefit is calculated. Will you receive the highest possible Social Security benefit?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Dec 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What is the highest monthly Social Security benefit one may receive? In this show we answer that question as well as how your benefit is calculated. Will you receive the highest possible Social Security benefit?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[New Social Security Statements]]>
                </title>
                                <description>
                                            <![CDATA[There are new Social Security statements available! The redesigned statements show information in a new format. What used to be four pages has been condensed into two pages that are easier to comprehend. In this show we review these changes and talk about Social Security in general.]]>
                                    </description>
                <pubDate>Thu, 09 Dec 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4143</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211211-73246-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are new Social Security statements available! The redesigned statements show information in a new format. What used to be four pages has been condensed into two pages that are easier to comprehend. In this show we review these changes and talk about Social Security in general.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 09 Dec 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are new Social Security statements available! The redesigned statements show information in a new format. What used to be four pages has been condensed into two pages that are easier to comprehend. In this show we review these changes and talk about Social Security in general.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is Your Advisor On Your Side?]]>
                </title>
                                <description>
                                            <![CDATA[Can a realtor, a business advisor, or a financial advisor NOT act in your best interest? Unfortunately, the answer is sometimes yes. In this show we explore a recent real estate deal gone sour. A man sold his property for $4 million and then less than 24 hours later it was resold for $7 million. What can we learn from this and how do you know if your advisor is on your side of the table or not?]]>
                                    </description>
                <pubDate>Thu, 02 Dec 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4124</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211204-73245-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can a realtor, a business advisor, or a financial advisor NOT act in your best interest? Unfortunately, the answer is sometimes yes. In this show we explore a recent real estate deal gone sour. A man sold his property for $4 million and then less than 24 hours later it was resold for $7 million. What can we learn from this and how do you know if your advisor is on your side of the table or not?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Dec 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can a realtor, a business advisor, or a financial advisor NOT act in your best interest? Unfortunately, the answer is sometimes yes. In this show we explore a recent real estate deal gone sour. A man sold his property for $4 million and then less than 24 hours later it was resold for $7 million. What can we learn from this and how do you know if your advisor is on your side of the table or not?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation Increases Taxes]]>
                </title>
                                <description>
                                            <![CDATA[Are taxes going up because of inflation!? While many parts of the tax code are adjusted to account for inflation, some parts are not. That means higher taxes, in a way, as people experience &quot;tax bracket creep.&quot; In this show we discuss several taxes that actually increase as inflation increases including Social Security, home sales, and state and local taxes.]]>
                                    </description>
                <pubDate>Thu, 25 Nov 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4106</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211127-73244-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are taxes going up because of inflation!? While many parts of the tax code are adjusted to account for inflation, some parts are not. That means higher taxes, in a way, as people experience &quot;tax bracket creep.&quot; In this show we discuss several taxes that actually increase as inflation increases including Social Security, home sales, and state and local taxes.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Nov 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are taxes going up because of inflation!? While many parts of the tax code are adjusted to account for inflation, some parts are not. That means higher taxes, in a way, as people experience &quot;tax bracket creep.&quot; In this show we discuss several taxes that actually increase as inflation increases including Social Security, home sales, and state and local taxes.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Healthcare Inflation]]>
                </title>
                                <description>
                                            <![CDATA[The cost of Medicare is going up over 14% in 2022. Social Security checks are going up, but by only 5.9%. Why are healthcare costs going up so much? How do retirees deal with these increases? We discuss the details and strategies in this show.]]>
                                    </description>
                <pubDate>Thu, 18 Nov 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4088</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211120-73243-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The cost of Medicare is going up over 14% in 2022. Social Security checks are going up, but by only 5.9%. Why are healthcare costs going up so much? How do retirees deal with these increases? We discuss the details and strategies in this show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Nov 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The cost of Medicare is going up over 14% in 2022. Social Security checks are going up, but by only 5.9%. Why are healthcare costs going up so much? How do retirees deal with these increases? We discuss the details and strategies in this show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Hitting The Cryptocurrency Lotto]]>
                </title>
                                <description>
                                            <![CDATA[There are many stories of people turning into millionaires seemingly overnight through investments in cryptocurrencies. In this show we discuss a story of one man turning $8,000 into $1 million! Is it something you can do?]]>
                                    </description>
                <pubDate>Thu, 11 Nov 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4064</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211113-73242-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many stories of people turning into millionaires seemingly overnight through investments in cryptocurrencies. In this show we discuss a story of one man turning $8,000 into $1 million! Is it something you can do?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Nov 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are many stories of people turning into millionaires seemingly overnight through investments in cryptocurrencies. In this show we discuss a story of one man turning $8,000 into $1 million! Is it something you can do?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Advice from a Bank]]>
                </title>
                                <description>
                                            <![CDATA[What&#039;s it like getting your financial advice and retirement planning guidance from a &quot;Big Bank&quot; or Wirehouse&quot;? In this show we talk with a former in-house bank financial adviser who recently joined Dolphin Financial Group. We ask him questions about what differences to expect about the advice given by a financial representative of a big bank as opposed from a small boutique financial planning firm. Is there a difference and does it really matter?]]>
                                    </description>
                <pubDate>Thu, 04 Nov 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4042</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211106-73241-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What&#039;s it like getting your financial advice and retirement planning guidance from a &quot;Big Bank&quot; or Wirehouse&quot;? In this show we talk with a former in-house bank financial adviser who recently joined Dolphin Financial Group. We ask him questions about what differences to expect about the advice given by a financial representative of a big bank as opposed from a small boutique financial planning firm. Is there a difference and does it really matter?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Nov 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What&#039;s it like getting your financial advice and retirement planning guidance from a &quot;Big Bank&quot; or Wirehouse&quot;? In this show we talk with a former in-house bank financial adviser who recently joined Dolphin Financial Group. We ask him questions about what differences to expect about the advice given by a financial representative of a big bank as opposed from a small boutique financial planning firm. Is there a difference and does it really matter?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Panic Selling is Good?]]>
                </title>
                                <description>
                                            <![CDATA[When the stock market crashes, many people &quot;panic sell.&quot; They will let emotions take over and &quot;freak out.&quot; Is this a bad thing? In this show we discuss who is more likely to panic sell and why it might not be such a bad thing after all.]]>
                                    </description>
                <pubDate>Thu, 28 Oct 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-4016</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211031-73239-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When the stock market crashes, many people &quot;panic sell.&quot; They will let emotions take over and &quot;freak out.&quot; Is this a bad thing? In this show we discuss who is more likely to panic sell and why it might not be such a bad thing after all.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Oct 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When the stock market crashes, many people &quot;panic sell.&quot; They will let emotions take over and &quot;freak out.&quot; Is this a bad thing? In this show we discuss who is more likely to panic sell and why it might not be such a bad thing after all.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Increasing]]>
                </title>
                                <description>
                                            <![CDATA[The 2022 Social Security cost-of-living adjustment (COLA) was declared to be 5.9%. It is the biggest annual increase since 1982! In this show we discuss how this is determined, why it happened, and why many people won&#039;t actually see the full 5.9% increase in their Social Security checks.]]>
                                    </description>
                <pubDate>Thu, 21 Oct 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3994</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211024-73240-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The 2022 Social Security cost-of-living adjustment (COLA) was declared to be 5.9%. It is the biggest annual increase since 1982! In this show we discuss how this is determined, why it happened, and why many people won&#039;t actually see the full 5.9% increase in their Social Security checks.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Oct 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The 2022 Social Security cost-of-living adjustment (COLA) was declared to be 5.9%. It is the biggest annual increase since 1982! In this show we discuss how this is determined, why it happened, and why many people won&#039;t actually see the full 5.9% increase in their Social Security checks.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Estate Planning for &quot;Black Sheep&quot; Family Members]]>
                </title>
                                <description>
                                            <![CDATA[How do you leave money with strings attached? Many families have a particular &quot;Black Sheep&quot; or difficult member that doesn&#039;t quite fit the mold or has an issue. Common issues might be alcohol or substance abuse, disliked spouses, or lack of money management skills. In this show we talk with an estate planning attorney on how to handle these types of situations. Can you rule from the grave and make sure your assets are distributed the way you want?]]>
                                    </description>
                <pubDate>Thu, 14 Oct 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3973</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211017-73238-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How do you leave money with strings attached? Many families have a particular &quot;Black Sheep&quot; or difficult member that doesn&#039;t quite fit the mold or has an issue. Common issues might be alcohol or substance abuse, disliked spouses, or lack of money management skills. In this show we talk with an estate planning attorney on how to handle these types of situations. Can you rule from the grave and make sure your assets are distributed the way you want?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Oct 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How do you leave money with strings attached? Many families have a particular &quot;Black Sheep&quot; or difficult member that doesn&#039;t quite fit the mold or has an issue. Common issues might be alcohol or substance abuse, disliked spouses, or lack of money management skills. In this show we talk with an estate planning attorney on how to handle these types of situations. Can you rule from the grave and make sure your assets are distributed the way you want?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Risk Aversion In Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Heads you win $200, Tails you lose $100. Do you take that bet? Some people are so risk averse, they may not take that bet. Does this behavior get worse in retirement? Are people in retirement less likely to make a bet, even with a highly favorable expected outcome?]]>
                                    </description>
                <pubDate>Thu, 07 Oct 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3952</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211010-73237-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Heads you win $200, Tails you lose $100. Do you take that bet? Some people are so risk averse, they may not take that bet. Does this behavior get worse in retirement? Are people in retirement less likely to make a bet, even with a highly favorable expected outcome?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Oct 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Heads you win $200, Tails you lose $100. Do you take that bet? Some people are so risk averse, they may not take that bet. Does this behavior get worse in retirement? Are people in retirement less likely to make a bet, even with a highly favorable expected outcome?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Stinks]]>
                </title>
                                <description>
                                            <![CDATA[Isn&#039;t retirement something everyone strives for? It&#039;s our &quot;golden years&quot; of relaxation and carefree living, right? This isn&#039;t always the case. In this show we discuss five major reasons why retirement isn&#039;t all it&#039;s cracked up to be. Listen in to hear about the top drawbacks of retiring and learn how to avoid this negativity when you decide to join the retirement lifestyle.]]>
                                    </description>
                <pubDate>Thu, 30 Sep 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3933</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/211003-73236-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Isn&#039;t retirement something everyone strives for? It&#039;s our &quot;golden years&quot; of relaxation and carefree living, right? This isn&#039;t always the case. In this show we discuss five major reasons why retirement isn&#039;t all it&#039;s cracked up to be. Listen in to hear about the top drawbacks of retiring and learn how to avoid this negativity when you decide to join the retirement lifestyle.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Sep 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Isn&#039;t retirement something everyone strives for? It&#039;s our &quot;golden years&quot; of relaxation and carefree living, right? This isn&#039;t always the case. In this show we discuss five major reasons why retirement isn&#039;t all it&#039;s cracked up to be. Listen in to hear about the top drawbacks of retiring and learn how to avoid this negativity when you decide to join the retirement lifestyle.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lump Sum vs. Dollar Cost Averaging]]>
                </title>
                                <description>
                                            <![CDATA[If given a lump sum to invest over ten years, which strategy would lead to higher returns: Investing the entire lump sum at once or investing the lump sum evenly over the first year. Investing over time is also known as Dollar Cost Averaging and it&#039;s very popular. However, is it the better option when there is a long-term time horizon? We&#039;ll answer that question in this podcast.]]>
                                    </description>
                <pubDate>Thu, 23 Sep 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3912</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210925-73235-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If given a lump sum to invest over ten years, which strategy would lead to higher returns: Investing the entire lump sum at once or investing the lump sum evenly over the first year. Investing over time is also known as Dollar Cost Averaging and it&#039;s very popular. However, is it the better option when there is a long-term time horizon? We&#039;ll answer that question in this podcast.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Sep 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If given a lump sum to invest over ten years, which strategy would lead to higher returns: Investing the entire lump sum at once or investing the lump sum evenly over the first year. Investing over time is also known as Dollar Cost Averaging and it&#039;s very popular. However, is it the better option when there is a long-term time horizon? We&#039;ll answer that question in this podcast.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Income Sources]]>
                </title>
                                <description>
                                            <![CDATA[Where do people get their retirement income from? Are people relying on Social Security, an IRA, or maybe a pension? In this show we discuss the sources of retirement income by generation along with ideas on where that income should come from. If you are thinking about retirement and aren&#039;t sure where the money will come from, listen in!]]>
                                    </description>
                <pubDate>Thu, 16 Sep 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3887</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210918-73234-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Where do people get their retirement income from? Are people relying on Social Security, an IRA, or maybe a pension? In this show we discuss the sources of retirement income by generation along with ideas on where that income should come from. If you are thinking about retirement and aren&#039;t sure where the money will come from, listen in!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Sep 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Where do people get their retirement income from? Are people relying on Social Security, an IRA, or maybe a pension? In this show we discuss the sources of retirement income by generation along with ideas on where that income should come from. If you are thinking about retirement and aren&#039;t sure where the money will come from, listen in!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Going Broke?]]>
                </title>
                                <description>
                                            <![CDATA[According to the recent August 2021 update from Social Security, the combined Trust Fund is expected to be depleted by 2034. This is one year earlier than estimated last year. This means that in 2034, only 78% of benefits will be payable to Social Security beneficiaries. What does this mean, why is it happening, and what should you do about it?]]>
                                    </description>
                <pubDate>Thu, 09 Sep 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3867</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210911-73233-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to the recent August 2021 update from Social Security, the combined Trust Fund is expected to be depleted by 2034. This is one year earlier than estimated last year. This means that in 2034, only 78% of benefits will be payable to Social Security beneficiaries. What does this mean, why is it happening, and what should you do about it?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 09 Sep 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to the recent August 2021 update from Social Security, the combined Trust Fund is expected to be depleted by 2034. This is one year earlier than estimated last year. This means that in 2034, only 78% of benefits will be payable to Social Security beneficiaries. What does this mean, why is it happening, and what should you do about it?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cost of Medicare]]>
                </title>
                                <description>
                                            <![CDATA[How much does Medicare cost? Isn&#039;t it free? If I have to pay for Part A or B, who do I make the check out to? What is an IRMAA? How do I pay for Medicare?
In this show we talk about the cost to the Medicare beneficiary. We discuss the price for each part of Medicare and the ways to pay for it. If you are new to Medicare and are wondering how the pricing works, be sure to listen in.]]>
                                    </description>
                <pubDate>Thu, 02 Sep 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3846</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210904-73232-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How much does Medicare cost? Isn&#039;t it free? If I have to pay for Part A or B, who do I make the check out to? What is an IRMAA? How do I pay for Medicare?
In this show we talk about the cost to the Medicare beneficiary. We discuss the price for each part of Medicare and the ways to pay for it. If you are new to Medicare and are wondering how the pricing works, be sure to listen in.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Sep 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How much does Medicare cost? Isn&#039;t it free? If I have to pay for Part A or B, who do I make the check out to? What is an IRMAA? How do I pay for Medicare?
In this show we talk about the cost to the Medicare beneficiary. We discuss the price for each part of Medicare and the ways to pay for it. If you are new to Medicare and are wondering how the pricing works, be sure to listen in.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why do most people claim Social Security early?]]>
                </title>
                                <description>
                                            <![CDATA[In this show we talk about when people are claiming Social Security Benefits and why they do so. The math suggests delaying, yet people don&#039;t. Be sure to listen in to make sure you aren&#039;t messing up this important lifetime decision.]]>
                                    </description>
                <pubDate>Thu, 26 Aug 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3833</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210828-73231-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show we talk about when people are claiming Social Security Benefits and why they do so. The math suggests delaying, yet people don&#039;t. Be sure to listen in to make sure you aren&#039;t messing up this important lifetime decision.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Aug 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show we talk about when people are claiming Social Security Benefits and why they do so. The math suggests delaying, yet people don&#039;t. Be sure to listen in to make sure you aren&#039;t messing up this important lifetime decision.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are We Prepared For Retirement?]]>
                </title>
                                <description>
                                            <![CDATA[In this show we talk about how people are fairing with retirement planning. Many people know WHAT they need to do, but are they doing it? We discuss the results from the 21st Annual Transamerica Retirement Survey and compare the results to our last show about the four keys to a satisfying retirement. Are people setting themselves up to be satisfied in retirement?]]>
                                    </description>
                <pubDate>Thu, 19 Aug 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3809</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210821-73230-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show we talk about how people are fairing with retirement planning. Many people know WHAT they need to do, but are they doing it? We discuss the results from the 21st Annual Transamerica Retirement Survey and compare the results to our last show about the four keys to a satisfying retirement. Are people setting themselves up to be satisfied in retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Aug 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show we talk about how people are fairing with retirement planning. Many people know WHAT they need to do, but are they doing it? We discuss the results from the 21st Annual Transamerica Retirement Survey and compare the results to our last show about the four keys to a satisfying retirement. Are people setting themselves up to be satisfied in retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Keys to Retirement Satisfaction]]>
                </title>
                                <description>
                                            <![CDATA[Some recent research points to key factors that may be the leading reasons why people have a satisfying retirement. In this show we review and discuss this research from the Employee Benefit Research Institute’s Retirement Security Research Center (even more exciting than it sounds)! What should you do now to assist in having a satisfying retirement?]]>
                                    </description>
                <pubDate>Thu, 12 Aug 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3786</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210814-73229-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Some recent research points to key factors that may be the leading reasons why people have a satisfying retirement. In this show we review and discuss this research from the Employee Benefit Research Institute’s Retirement Security Research Center (even more exciting than it sounds)! What should you do now to assist in having a satisfying retirement?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Aug 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Some recent research points to key factors that may be the leading reasons why people have a satisfying retirement. In this show we review and discuss this research from the Employee Benefit Research Institute’s Retirement Security Research Center (even more exciting than it sounds)! What should you do now to assist in having a satisfying retirement?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Reverse Mortgages]]>
                </title>
                                <description>
                                            <![CDATA[For many retirees, much of their net worth is tied up in their home as equity. Should they consider a Reverse Mortgage to tap into that equity? What are the pros and cons of this financial instrument? In this show we bring on a Reverse Mortgage expert to discuss the current situation of reverse mortgages.]]>
                                    </description>
                <pubDate>Thu, 05 Aug 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3759</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210807-73228-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[For many retirees, much of their net worth is tied up in their home as equity. Should they consider a Reverse Mortgage to tap into that equity? What are the pros and cons of this financial instrument? In this show we bring on a Reverse Mortgage expert to discuss the current situation of reverse mortgages.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Aug 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[For many retirees, much of their net worth is tied up in their home as equity. Should they consider a Reverse Mortgage to tap into that equity? What are the pros and cons of this financial instrument? In this show we bring on a Reverse Mortgage expert to discuss the current situation of reverse mortgages.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Biggest Regret For Retirees]]>
                </title>
                                <description>
                                            <![CDATA[What do retirees regret the most. After working with retirees for over a decade, Dan Wendol shares his opinion on what those in retirement seem to regret the most. It&#039;s not necessarily a financial regret and it might surprise you.]]>
                                    </description>
                <pubDate>Thu, 29 Jul 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3734</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210731-73227-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What do retirees regret the most. After working with retirees for over a decade, Dan Wendol shares his opinion on what those in retirement seem to regret the most. It&#039;s not necessarily a financial regret and it might surprise you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 29 Jul 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What do retirees regret the most. After working with retirees for over a decade, Dan Wendol shares his opinion on what those in retirement seem to regret the most. It&#039;s not necessarily a financial regret and it might surprise you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Buying Happiness]]>
                </title>
                                <description>
                                            <![CDATA[Can money buy happiness? In this show we talk about the ways you can spend money in retirement to make yourself happier. The discussion revolves around the book &quot;Happy Money: The Science of Happier Spending&quot; by Elizabeth Dunn and Michael Norton.]]>
                                    </description>
                <pubDate>Thu, 22 Jul 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3707</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210724-73226-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can money buy happiness? In this show we talk about the ways you can spend money in retirement to make yourself happier. The discussion revolves around the book &quot;Happy Money: The Science of Happier Spending&quot; by Elizabeth Dunn and Michael Norton.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Jul 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can money buy happiness? In this show we talk about the ways you can spend money in retirement to make yourself happier. The discussion revolves around the book &quot;Happy Money: The Science of Happier Spending&quot; by Elizabeth Dunn and Michael Norton.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Funny Retirement Quotes]]>
                </title>
                                <description>
                                            <![CDATA[Ever wonder what to write in a co-worker&#039;s retirement card? Do you want a funny quote to say at a retirement party? In this show we share some of our favorite retirement quotes and one-liners.]]>
                                    </description>
                <pubDate>Thu, 15 Jul 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3683</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210717-73225-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Ever wonder what to write in a co-worker&#039;s retirement card? Do you want a funny quote to say at a retirement party? In this show we share some of our favorite retirement quotes and one-liners.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Jul 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Ever wonder what to write in a co-worker&#039;s retirement card? Do you want a funny quote to say at a retirement party? In this show we share some of our favorite retirement quotes and one-liners.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[CDs in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Certificates of Deposit (CDs) have been a popular options for savers over the decades. With current CD rates so low, are they still a viable option for retirement? In this show we talk about the current CD situation and how they fit into retirement planning today.]]>
                                    </description>
                <pubDate>Thu, 08 Jul 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3661</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210710-73224-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Certificates of Deposit (CDs) have been a popular options for savers over the decades. With current CD rates so low, are they still a viable option for retirement? In this show we talk about the current CD situation and how they fit into retirement planning today.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Jul 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Certificates of Deposit (CDs) have been a popular options for savers over the decades. With current CD rates so low, are they still a viable option for retirement? In this show we talk about the current CD situation and how they fit into retirement planning today.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How To Create A Pension]]>
                </title>
                                <description>
                                            <![CDATA[Private pensions are a thing of the past, but that doesn&#039;t mean you can&#039;t create your own version. Unless you work for a government agency, odds are you don&#039;t have access to a traditional defined benefit plan. In this show we discuss some ways to create the guaranteed income that previous generations relied upon for retirement.]]>
                                    </description>
                <pubDate>Thu, 01 Jul 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3631</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210703-73223-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Private pensions are a thing of the past, but that doesn&#039;t mean you can&#039;t create your own version. Unless you work for a government agency, odds are you don&#039;t have access to a traditional defined benefit plan. In this show we discuss some ways to create the guaranteed income that previous generations relied upon for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Jul 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Private pensions are a thing of the past, but that doesn&#039;t mean you can&#039;t create your own version. Unless you work for a government agency, odds are you don&#039;t have access to a traditional defined benefit plan. In this show we discuss some ways to create the guaranteed income that previous generations relied upon for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Owning Precious Metals For Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Does it make sense to own precious metals as an investment? How do you own gold, silver, platinum, etc.? In this show we discuss the idea of owning precious metals both on paper and physically. We discuss the pros and cons of using these alternative investments.]]>
                                    </description>
                <pubDate>Thu, 24 Jun 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3608</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210626-73222-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Does it make sense to own precious metals as an investment? How do you own gold, silver, platinum, etc.? In this show we discuss the idea of owning precious metals both on paper and physically. We discuss the pros and cons of using these alternative investments.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Jun 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Does it make sense to own precious metals as an investment? How do you own gold, silver, platinum, etc.? In this show we discuss the idea of owning precious metals both on paper and physically. We discuss the pros and cons of using these alternative investments.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security&#039;s Budget]]>
                </title>
                                <description>
                                            <![CDATA[In May of 2021, the Biden administration asked for a 9.7% increase in the Social Security Administration budget. This is the money used to run the program. In this show we discuss what this money is used for and whether or not the Social Security Administration is being run effectively.]]>
                                    </description>
                <pubDate>Thu, 17 Jun 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3590</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210619-73221-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In May of 2021, the Biden administration asked for a 9.7% increase in the Social Security Administration budget. This is the money used to run the program. In this show we discuss what this money is used for and whether or not the Social Security Administration is being run effectively.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Jun 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In May of 2021, the Biden administration asked for a 9.7% increase in the Social Security Administration budget. This is the money used to run the program. In this show we discuss what this money is used for and whether or not the Social Security Administration is being run effectively.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inheriting an IRA]]>
                </title>
                                <description>
                                            <![CDATA[If someone dies and leaves you their retirement account (IRA), what happens? What are your options? In this show we discuss the new rules (2020) that revolve around inheriting an IRA from a spouse, a parent, or a stranger. Tune in to make sure you aren&#039;t penalized for mishandling an inherited IRA.]]>
                                    </description>
                <pubDate>Thu, 10 Jun 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3570</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210612-73220-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If someone dies and leaves you their retirement account (IRA), what happens? What are your options? In this show we discuss the new rules (2020) that revolve around inheriting an IRA from a spouse, a parent, or a stranger. Tune in to make sure you aren&#039;t penalized for mishandling an inherited IRA.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Jun 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If someone dies and leaves you their retirement account (IRA), what happens? What are your options? In this show we discuss the new rules (2020) that revolve around inheriting an IRA from a spouse, a parent, or a stranger. Tune in to make sure you aren&#039;t penalized for mishandling an inherited IRA.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Survivor Benefits]]>
                </title>
                                <description>
                                            <![CDATA[What happens to your Social Security if your spouse dies? Do you get to keep your own or your deceased spouse&#039;s? What about if an ex-spouse dies? What if you got remarried? In this show we discuss the details of Social Security Survivor Benefits. Learn everything you need to know about getting the most out of this situation.]]>
                                    </description>
                <pubDate>Thu, 03 Jun 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3544</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210605-73219-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens to your Social Security if your spouse dies? Do you get to keep your own or your deceased spouse&#039;s? What about if an ex-spouse dies? What if you got remarried? In this show we discuss the details of Social Security Survivor Benefits. Learn everything you need to know about getting the most out of this situation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Jun 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens to your Social Security if your spouse dies? Do you get to keep your own or your deceased spouse&#039;s? What about if an ex-spouse dies? What if you got remarried? In this show we discuss the details of Social Security Survivor Benefits. Learn everything you need to know about getting the most out of this situation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Using Home Equity in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Home equity is often a large part of a retiree&#039;s net worth. How can you use this home equity as part of a retirement plan?
In this show we talk about four different ways to tap into your home equity as a means to augment retirement assets and/or income.
Does it make sense to view your home as a retirement asset?]]>
                                    </description>
                <pubDate>Thu, 27 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3521</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210529-73218-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Home equity is often a large part of a retiree&#039;s net worth. How can you use this home equity as part of a retirement plan?
In this show we talk about four different ways to tap into your home equity as a means to augment retirement assets and/or income.
Does it make sense to view your home as a retirement asset?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Home equity is often a large part of a retiree&#039;s net worth. How can you use this home equity as part of a retirement plan?
In this show we talk about four different ways to tap into your home equity as a means to augment retirement assets and/or income.
Does it make sense to view your home as a retirement asset?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Congress Changing Our Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In May of 2021 the House Ways &amp; Means Committee Passed &quot;The Securing A Strong Retirement Act,&quot; also known as the SECURE Act 2.0. In this show we discuss ten of the major parts of this proposed legislation that have the potential to greatly impact retirement in America.]]>
                                    </description>
                <pubDate>Thu, 20 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3491</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210522-73217-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In May of 2021 the House Ways &amp; Means Committee Passed &quot;The Securing A Strong Retirement Act,&quot; also known as the SECURE Act 2.0. In this show we discuss ten of the major parts of this proposed legislation that have the potential to greatly impact retirement in America.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In May of 2021 the House Ways &amp; Means Committee Passed &quot;The Securing A Strong Retirement Act,&quot; also known as the SECURE Act 2.0. In this show we discuss ten of the major parts of this proposed legislation that have the potential to greatly impact retirement in America.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation: The Silent Killer]]>
                </title>
                                <description>
                                            <![CDATA[Inflation is the current talk of the town. Many financial pundits are suggesting it is time to start adjusting investment strategies to counter inflation. Even Warren Buffett sounded off on the topic during his 2021 shareholders meeting. In this show we discuss inflation, whether we are experiencing it, and what to do about it when it comes to your finances.]]>
                                    </description>
                <pubDate>Thu, 13 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3463</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210515-73216-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Inflation is the current talk of the town. Many financial pundits are suggesting it is time to start adjusting investment strategies to counter inflation. Even Warren Buffett sounded off on the topic during his 2021 shareholders meeting. In this show we discuss inflation, whether we are experiencing it, and what to do about it when it comes to your finances.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 13 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Inflation is the current talk of the town. Many financial pundits are suggesting it is time to start adjusting investment strategies to counter inflation. Even Warren Buffett sounded off on the topic during his 2021 shareholders meeting. In this show we discuss inflation, whether we are experiencing it, and what to do about it when it comes to your finances.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Money Personality Types &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[There are 7 unique money personality types according to psychology expert Ken Honda. In this show we review the different personalities and discuss how each type impacts retirement planning and living.]]>
                                    </description>
                <pubDate>Thu, 06 May 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3436</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210508-73215-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are 7 unique money personality types according to psychology expert Ken Honda. In this show we review the different personalities and discuss how each type impacts retirement planning and living.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 May 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are 7 unique money personality types according to psychology expert Ken Honda. In this show we review the different personalities and discuss how each type impacts retirement planning and living.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Gifts For Kids]]>
                </title>
                                <description>
                                            <![CDATA[Sometimes parents or grandparents want to give their young family members financial gifts. In this show we talk about the various types of financial gifts you can give children along with the pros and cons of each.]]>
                                    </description>
                <pubDate>Thu, 29 Apr 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3410</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210501-73214-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Sometimes parents or grandparents want to give their young family members financial gifts. In this show we talk about the various types of financial gifts you can give children along with the pros and cons of each.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 29 Apr 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Sometimes parents or grandparents want to give their young family members financial gifts. In this show we talk about the various types of financial gifts you can give children along with the pros and cons of each.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Social Security Earnings Test]]>
                </title>
                                <description>
                                            <![CDATA[Can you claim Social Security, yet continue working? Yes you can, but then you are subject to the &quot;Social Security Earnings Test.&quot; In this show we discuss the details of the Earnings Test, how to avoid having Social Security benefits withheld, what &quot;earnings&quot; really are, and all the other important details of working while claiming Social Security.]]>
                                    </description>
                <pubDate>Thu, 22 Apr 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3385</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210417-73213-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can you claim Social Security, yet continue working? Yes you can, but then you are subject to the &quot;Social Security Earnings Test.&quot; In this show we discuss the details of the Earnings Test, how to avoid having Social Security benefits withheld, what &quot;earnings&quot; really are, and all the other important details of working while claiming Social Security.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Apr 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can you claim Social Security, yet continue working? Yes you can, but then you are subject to the &quot;Social Security Earnings Test.&quot; In this show we discuss the details of the Earnings Test, how to avoid having Social Security benefits withheld, what &quot;earnings&quot; really are, and all the other important details of working while claiming Social Security.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Reduce AGI Retroactively]]>
                </title>
                                <description>
                                            <![CDATA[Reducing your Adjusted Gross Income (AGI) can have many benefits including reducing taxes and increasing benefits. However, sometimes the year passes and you still want to lower AGI for the previous year. In this show we discuss some ways to retroactively reduce your AGI for the previous year.]]>
                                    </description>
                <pubDate>Thu, 15 Apr 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3360</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210410-73210-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Reducing your Adjusted Gross Income (AGI) can have many benefits including reducing taxes and increasing benefits. However, sometimes the year passes and you still want to lower AGI for the previous year. In this show we discuss some ways to retroactively reduce your AGI for the previous year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Apr 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Reducing your Adjusted Gross Income (AGI) can have many benefits including reducing taxes and increasing benefits. However, sometimes the year passes and you still want to lower AGI for the previous year. In this show we discuss some ways to retroactively reduce your AGI for the previous year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Too Much?]]>
                </title>
                                <description>
                                            <![CDATA[Can you save too much for retirement? What about saving too much during retirement? Many people talk about saving more and more for retirement, but sometimes you might actually save too much. In this show we talk about scenarios where people are saving too much for retirement. We also discuss how some retirees are keeping too much in savings and not spending enough!]]>
                                    </description>
                <pubDate>Thu, 08 Apr 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3332</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210408-73211-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can you save too much for retirement? What about saving too much during retirement? Many people talk about saving more and more for retirement, but sometimes you might actually save too much. In this show we talk about scenarios where people are saving too much for retirement. We also discuss how some retirees are keeping too much in savings and not spending enough!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Apr 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can you save too much for retirement? What about saving too much during retirement? Many people talk about saving more and more for retirement, but sometimes you might actually save too much. In this show we talk about scenarios where people are saving too much for retirement. We also discuss how some retirees are keeping too much in savings and not spending enough!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance &amp; The American Rescue Plan]]>
                </title>
                                <description>
                                            <![CDATA[There are major changes to the health insurance marketplace as a result of the passage of the American Rescue Plan (ARP) in March 2021. The health insurance premium subsidies have increased and more people can qualify. In this show we discuss the changes and how it can result in thousands of dollars in savings for many Americans.]]>
                                    </description>
                <pubDate>Thu, 01 Apr 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3308</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210403-73212-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are major changes to the health insurance marketplace as a result of the passage of the American Rescue Plan (ARP) in March 2021. The health insurance premium subsidies have increased and more people can qualify. In this show we discuss the changes and how it can result in thousands of dollars in savings for many Americans.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Apr 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are major changes to the health insurance marketplace as a result of the passage of the American Rescue Plan (ARP) in March 2021. The health insurance premium subsidies have increased and more people can qualify. In this show we discuss the changes and how it can result in thousands of dollars in savings for many Americans.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Stimulus Checks in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[What should retirees do with their stimulus checks? People in retirement are getting more stimulus checks as part of the government plans to combat the global pandemic. In this show we talk about the priorities that retirees should consider when it comes to what to do with this money. We list 6 different options for the checks in order of importance.]]>
                                    </description>
                <pubDate>Thu, 18 Mar 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3260</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210320-73209-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What should retirees do with their stimulus checks? People in retirement are getting more stimulus checks as part of the government plans to combat the global pandemic. In this show we talk about the priorities that retirees should consider when it comes to what to do with this money. We list 6 different options for the checks in order of importance.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Mar 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What should retirees do with their stimulus checks? People in retirement are getting more stimulus checks as part of the government plans to combat the global pandemic. In this show we talk about the priorities that retirees should consider when it comes to what to do with this money. We list 6 different options for the checks in order of importance.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Buffered Notes - Financial Tool or Trap?]]>
                </title>
                                <description>
                                            <![CDATA[Buffered Notes are a financial product that offers some downside protection from market losses. However, they don&#039;t come without a catch. In this show we discuss these particular structured notes, the pros and cons, as well as whether or not these products make sense for people to use as part of their financial plan.]]>
                                    </description>
                <pubDate>Thu, 11 Mar 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3231</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210313-73208-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Buffered Notes are a financial product that offers some downside protection from market losses. However, they don&#039;t come without a catch. In this show we discuss these particular structured notes, the pros and cons, as well as whether or not these products make sense for people to use as part of their financial plan.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Mar 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Buffered Notes are a financial product that offers some downside protection from market losses. However, they don&#039;t come without a catch. In this show we discuss these particular structured notes, the pros and cons, as well as whether or not these products make sense for people to use as part of their financial plan.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Dental During Retirement]]>
                </title>
                                <description>
                                            <![CDATA[One of the biggest surprise expenses during retirement is dental. The costs of keeping your teeth in good shape can be astronomical. During retirement, many people see bills above $10,000 for dental work. In this show we discuss the options for dealing with dental costs during retirement.]]>
                                    </description>
                <pubDate>Thu, 04 Mar 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3204</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210306-73207-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[One of the biggest surprise expenses during retirement is dental. The costs of keeping your teeth in good shape can be astronomical. During retirement, many people see bills above $10,000 for dental work. In this show we discuss the options for dealing with dental costs during retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Mar 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[One of the biggest surprise expenses during retirement is dental. The costs of keeping your teeth in good shape can be astronomical. During retirement, many people see bills above $10,000 for dental work. In this show we discuss the options for dealing with dental costs during retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Unexpected Retirement Expenses]]>
                </title>
                                <description>
                                            <![CDATA[Retirement planning is critical for those who want to retire with peace of mind. However, sometimes expenses occur that are unexpected, even for the best planners. In this show we discuss five expenses that seem to catch retirees by surprise. Knowing about these potential expenses in advance can really help you avoid the problems associated with a financial surprise. Listen in!]]>
                                    </description>
                <pubDate>Thu, 25 Feb 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3174</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210226-73206-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement planning is critical for those who want to retire with peace of mind. However, sometimes expenses occur that are unexpected, even for the best planners. In this show we discuss five expenses that seem to catch retirees by surprise. Knowing about these potential expenses in advance can really help you avoid the problems associated with a financial surprise. Listen in!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Feb 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement planning is critical for those who want to retire with peace of mind. However, sometimes expenses occur that are unexpected, even for the best planners. In this show we discuss five expenses that seem to catch retirees by surprise. Knowing about these potential expenses in advance can really help you avoid the problems associated with a financial surprise. Listen in!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Savings Accounts &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[A Health Savings Account (HSA) is a very powerful financial tool. Many people use them while working to build up a tax-free pool of money for health expenses. However, are HSAs useful in retirement? What happens to an HSA if you retire and enroll in Social Security? Does an HSA still work if you are on Medicare? Can you keep contributing if your spouse works? Is an HSA always tax free? In this show we talk about Health Savings Accounts and how they work during retirement.]]>
                                    </description>
                <pubDate>Thu, 18 Feb 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3150</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210219-73205-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A Health Savings Account (HSA) is a very powerful financial tool. Many people use them while working to build up a tax-free pool of money for health expenses. However, are HSAs useful in retirement? What happens to an HSA if you retire and enroll in Social Security? Does an HSA still work if you are on Medicare? Can you keep contributing if your spouse works? Is an HSA always tax free? In this show we talk about Health Savings Accounts and how they work during retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Feb 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A Health Savings Account (HSA) is a very powerful financial tool. Many people use them while working to build up a tax-free pool of money for health expenses. However, are HSAs useful in retirement? What happens to an HSA if you retire and enroll in Social Security? Does an HSA still work if you are on Medicare? Can you keep contributing if your spouse works? Is an HSA always tax free? In this show we talk about Health Savings Accounts and how they work during retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Long Term Care &amp; COVID]]>
                </title>
                                <description>
                                            <![CDATA[What has been the impact of the global pandemic on the long-term care industry. Are the few insurance companies that still offer Long Term Care insurance feeling the pain of such travesty in our nursing homes or are they benefiting in some twisted way? In this show we explore the current and future of long term care as it relates to Covid 19.]]>
                                    </description>
                <pubDate>Thu, 11 Feb 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3122</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210211-73204-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What has been the impact of the global pandemic on the long-term care industry. Are the few insurance companies that still offer Long Term Care insurance feeling the pain of such travesty in our nursing homes or are they benefiting in some twisted way? In this show we explore the current and future of long term care as it relates to Covid 19.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Feb 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What has been the impact of the global pandemic on the long-term care industry. Are the few insurance companies that still offer Long Term Care insurance feeling the pain of such travesty in our nursing homes or are they benefiting in some twisted way? In this show we explore the current and future of long term care as it relates to Covid 19.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security Changes Under Biden]]>
                </title>
                                <description>
                                            <![CDATA[Social Security is a program that has been under intense financial strain over the decades. Something needs to change before it goes bankrupt. In this show we talk about the changes Joe Biden mentioned while running for President. While President Biden be able to solve the Social Security problem we all face?]]>
                                    </description>
                <pubDate>Thu, 04 Feb 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3094</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210204-73203-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Social Security is a program that has been under intense financial strain over the decades. Something needs to change before it goes bankrupt. In this show we talk about the changes Joe Biden mentioned while running for President. While President Biden be able to solve the Social Security problem we all face?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Feb 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Social Security is a program that has been under intense financial strain over the decades. Something needs to change before it goes bankrupt. In this show we talk about the changes Joe Biden mentioned while running for President. While President Biden be able to solve the Social Security problem we all face?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security &amp; Divorce]]>
                </title>
                                <description>
                                            <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? Can I get Social Security if I remarry? Will my ex know I&#039;m getting their Social Security? In this show we answer all the questions you might have about claiming Social Security based on an ex-spouse.]]>
                                    </description>
                <pubDate>Thu, 28 Jan 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3070</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210128-73202-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? Can I get Social Security if I remarry? Will my ex know I&#039;m getting their Social Security? In this show we answer all the questions you might have about claiming Social Security based on an ex-spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Jan 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can I get my ex-spouse&#039;s Social Security? How much will I get? How long do I have to be married? Can I get Social Security if I remarry? Will my ex know I&#039;m getting their Social Security? In this show we answer all the questions you might have about claiming Social Security based on an ex-spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cryptocurrency Basics]]>
                </title>
                                <description>
                                            <![CDATA[What is crytocurrency? What is Bitcoin? Should I own it or is it a scam? 
How does it work? 
There are many questions surrounding cryptocurrency. The discussions are heating up as the price of Bitcoin rises higher and higher. 
We revisit our last conversation about Bitcoin in 2019 and bring on our resident crypto follower - Jonah Faulkner to shed some light on this complex topic.]]>
                                    </description>
                <pubDate>Thu, 21 Jan 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3040</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210121-73201-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What is crytocurrency? What is Bitcoin? Should I own it or is it a scam? 
How does it work? 
There are many questions surrounding cryptocurrency. The discussions are heating up as the price of Bitcoin rises higher and higher. 
We revisit our last conversation about Bitcoin in 2019 and bring on our resident crypto follower - Jonah Faulkner to shed some light on this complex topic.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Jan 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What is crytocurrency? What is Bitcoin? Should I own it or is it a scam? 
How does it work? 
There are many questions surrounding cryptocurrency. The discussions are heating up as the price of Bitcoin rises higher and higher. 
We revisit our last conversation about Bitcoin in 2019 and bring on our resident crypto follower - Jonah Faulkner to shed some light on this complex topic.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring in Mexico]]>
                </title>
                                <description>
                                            <![CDATA[Living in the United States can be expensive. Retiring on a fixed income can be near impossible. In this show we discuss the idea of retiring in Mexico. We explore a recent article about a woman that moved from California to Mexico and is living in retirement on roughly $1,000 per month.]]>
                                    </description>
                <pubDate>Thu, 14 Jan 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-3015</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210114-73200-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Living in the United States can be expensive. Retiring on a fixed income can be near impossible. In this show we discuss the idea of retiring in Mexico. We explore a recent article about a woman that moved from California to Mexico and is living in retirement on roughly $1,000 per month.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Jan 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Living in the United States can be expensive. Retiring on a fixed income can be near impossible. In this show we discuss the idea of retiring in Mexico. We explore a recent article about a woman that moved from California to Mexico and is living in retirement on roughly $1,000 per month.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[5 Things You Can Do To Improve Your Finances in 2021]]>
                </title>
                                <description>
                                            <![CDATA[Okay, so the new year is finally here! What should you do now? In this episode we talk about what you need to be doing with your finances in 2021 to help have a better financial future.]]>
                                    </description>
                <pubDate>Thu, 07 Jan 2021 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2989</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/210107-73199-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Okay, so the new year is finally here! What should you do now? In this episode we talk about what you need to be doing with your finances in 2021 to help have a better financial future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Jan 2021 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Okay, so the new year is finally here! What should you do now? In this episode we talk about what you need to be doing with your finances in 2021 to help have a better financial future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Money Trivia &amp; Fun Facts]]>
                </title>
                                <description>
                                            <![CDATA[We finish off 2020 with a fun episode about money trivia. Join us as we discuss interesting facts about paper money, coins, lotto, net worth, and other financial topics.]]>
                                    </description>
                <pubDate>Thu, 31 Dec 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2979</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201231-73198-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We finish off 2020 with a fun episode about money trivia. Join us as we discuss interesting facts about paper money, coins, lotto, net worth, and other financial topics.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 31 Dec 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We finish off 2020 with a fun episode about money trivia. Join us as we discuss interesting facts about paper money, coins, lotto, net worth, and other financial topics.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Georgia Runoff &amp; The Markets]]>
                </title>
                                <description>
                                            <![CDATA[How will the U.S. Senate runoff in Georgia impact the stock market? Will it matter if Democrats take control of the Senate? Has the outcome already been baked into the stock market? Listen in as we discuss the potential market reaction to this important election in early 2021.]]>
                                    </description>
                <pubDate>Thu, 24 Dec 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2967</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201225-73197-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How will the U.S. Senate runoff in Georgia impact the stock market? Will it matter if Democrats take control of the Senate? Has the outcome already been baked into the stock market? Listen in as we discuss the potential market reaction to this important election in early 2021.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Dec 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How will the U.S. Senate runoff in Georgia impact the stock market? Will it matter if Democrats take control of the Senate? Has the outcome already been baked into the stock market? Listen in as we discuss the potential market reaction to this important election in early 2021.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing in IPOs]]>
                </title>
                                <description>
                                            <![CDATA[An Initial Public Offering (IPO) can be an exciting investment. Whenever a popular company offers an IPO, the hype can get overwhelming. But does this make for a good investment? In this show we talk about investing in IPOs, how they work, and whether or not they are worth investing in.]]>
                                    </description>
                <pubDate>Thu, 17 Dec 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2942</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201218-73096-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[An Initial Public Offering (IPO) can be an exciting investment. Whenever a popular company offers an IPO, the hype can get overwhelming. But does this make for a good investment? In this show we talk about investing in IPOs, how they work, and whether or not they are worth investing in.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Dec 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[An Initial Public Offering (IPO) can be an exciting investment. Whenever a popular company offers an IPO, the hype can get overwhelming. But does this make for a good investment? In this show we talk about investing in IPOs, how they work, and whether or not they are worth investing in.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Financial Trends for 2021]]>
                </title>
                                <description>
                                            <![CDATA[What are the top trends in finance we will see in 2021 and how will they impact retirement? In this show we discuss trends from working at home to cryptocurrency.]]>
                                    </description>
                <pubDate>Thu, 10 Dec 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2919</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201211-73095-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What are the top trends in finance we will see in 2021 and how will they impact retirement? In this show we discuss trends from working at home to cryptocurrency.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Dec 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What are the top trends in finance we will see in 2021 and how will they impact retirement? In this show we discuss trends from working at home to cryptocurrency.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spending Freeze For Pre-Retirees]]>
                </title>
                                <description>
                                            <![CDATA[For those close to retirement, one of the biggest unknowns is how much money they need to live. To help answer this question, a spending freeze might help. In this show we explain what a spending freeze is and how it helps those approaching retirement.]]>
                                    </description>
                <pubDate>Thu, 03 Dec 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2892</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201204-73094-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[For those close to retirement, one of the biggest unknowns is how much money they need to live. To help answer this question, a spending freeze might help. In this show we explain what a spending freeze is and how it helps those approaching retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Dec 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[For those close to retirement, one of the biggest unknowns is how much money they need to live. To help answer this question, a spending freeze might help. In this show we explain what a spending freeze is and how it helps those approaching retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Giving Thanks]]>
                </title>
                                <description>
                                            <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                                    </description>
                <pubDate>Thu, 26 Nov 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2878</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201127-73087-Wendol-NewIntro.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Nov 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Intermittent Spending]]>
                </title>
                                <description>
                                            <![CDATA[Is there a way to improve your spending habits without creating a budget? In this show we explore the concept of Intermittent Spending. It&#039;s a brand new strategy designed to get people more mindful of their spending and ultimately improve their financial situation.]]>
                                    </description>
                <pubDate>Thu, 19 Nov 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2854</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201121-73192-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is there a way to improve your spending habits without creating a budget? In this show we explore the concept of Intermittent Spending. It&#039;s a brand new strategy designed to get people more mindful of their spending and ultimately improve their financial situation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Nov 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is there a way to improve your spending habits without creating a budget? In this show we explore the concept of Intermittent Spending. It&#039;s a brand new strategy designed to get people more mindful of their spending and ultimately improve their financial situation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Risks Of Higher Returns]]>
                </title>
                                <description>
                                            <![CDATA[Everybody wants to earn more on their money. Whether getting a higher interest rate than the current bank rate, or hitting a home run on an investment, the higher the return, the more appealing. However, at some point the risk becomes too much. In this show we will discuss some cases where people chased the higher return and wound up getting hurt in the end.]]>
                                    </description>
                <pubDate>Thu, 12 Nov 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2834</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201114-73191-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Everybody wants to earn more on their money. Whether getting a higher interest rate than the current bank rate, or hitting a home run on an investment, the higher the return, the more appealing. However, at some point the risk becomes too much. In this show we will discuss some cases where people chased the higher return and wound up getting hurt in the end.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Nov 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Everybody wants to earn more on their money. Whether getting a higher interest rate than the current bank rate, or hitting a home run on an investment, the higher the return, the more appealing. However, at some point the risk becomes too much. In this show we will discuss some cases where people chased the higher return and wound up getting hurt in the end.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Stock Market After The Election]]>
                </title>
                                <description>
                                            <![CDATA[What happens to the stock market now that the election is over? Will the market go up or down? What does history tell us and does history matter? In today’s show we will discuss the stock market and the effect of elections.]]>
                                    </description>
                <pubDate>Thu, 05 Nov 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2812</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201107-73190-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens to the stock market now that the election is over? Will the market go up or down? What does history tell us and does history matter? In today’s show we will discuss the stock market and the effect of elections.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Nov 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens to the stock market now that the election is over? Will the market go up or down? What does history tell us and does history matter? In today’s show we will discuss the stock market and the effect of elections.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Scary Retirement Stories]]>
                </title>
                                <description>
                                            <![CDATA[Retirement isn&#039;t supposed to be scary, but sometimes it can be. In this show we share five different retirement stories that will make you shiver. If you are up for some frightening tales, listen in. You might even learn through the pain others face in retirement!]]>
                                    </description>
                <pubDate>Thu, 29 Oct 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2790</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201030-73189-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement isn&#039;t supposed to be scary, but sometimes it can be. In this show we share five different retirement stories that will make you shiver. If you are up for some frightening tales, listen in. You might even learn through the pain others face in retirement!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 29 Oct 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement isn&#039;t supposed to be scary, but sometimes it can be. In this show we share five different retirement stories that will make you shiver. If you are up for some frightening tales, listen in. You might even learn through the pain others face in retirement!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Causes Of Physical Pain]]>
                </title>
                                <description>
                                            <![CDATA[According to research, people who aren’t comfortable with their financial situation experience more physical pain than those who feel financially secure. It sounds weird, doesn’t it - people experience physical pain due to a non-physical variable. In today’s show, we will discuss the research findings about this also talk about how you can avoid or reduce this type of physical pain.]]>
                                    </description>
                <pubDate>Thu, 22 Oct 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2764</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201023-73188-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to research, people who aren’t comfortable with their financial situation experience more physical pain than those who feel financially secure. It sounds weird, doesn’t it - people experience physical pain due to a non-physical variable. In today’s show, we will discuss the research findings about this also talk about how you can avoid or reduce this type of physical pain.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Oct 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to research, people who aren’t comfortable with their financial situation experience more physical pain than those who feel financially secure. It sounds weird, doesn’t it - people experience physical pain due to a non-physical variable. In today’s show, we will discuss the research findings about this also talk about how you can avoid or reduce this type of physical pain.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Does Medicare Cover Covid 19?]]>
                </title>
                                <description>
                                            <![CDATA[In this show we answer these questions: Will Medicare cover the costs of a Covid 19 test? What about if you have to go to the hospital for treatment? Are there any special considerations for those on Medicare Advantage plans?]]>
                                    </description>
                <pubDate>Thu, 15 Oct 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2742</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201016-73187-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show we answer these questions: Will Medicare cover the costs of a Covid 19 test? What about if you have to go to the hospital for treatment? Are there any special considerations for those on Medicare Advantage plans?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Oct 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show we answer these questions: Will Medicare cover the costs of a Covid 19 test? What about if you have to go to the hospital for treatment? Are there any special considerations for those on Medicare Advantage plans?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Miser &amp; His Gold]]>
                </title>
                                <description>
                                            <![CDATA[Today we are going to review the old story known as The Miser And His Gold. This is one of Aesop’s fables and, although it was first told long ago, it still applies today. It’s about a man who buries his gold in a hole in the ground. What could possibly go wrong...?]]>
                                    </description>
                <pubDate>Thu, 08 Oct 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2713</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201009-73186-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Today we are going to review the old story known as The Miser And His Gold. This is one of Aesop’s fables and, although it was first told long ago, it still applies today. It’s about a man who buries his gold in a hole in the ground. What could possibly go wrong...?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Oct 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Today we are going to review the old story known as The Miser And His Gold. This is one of Aesop’s fables and, although it was first told long ago, it still applies today. It’s about a man who buries his gold in a hole in the ground. What could possibly go wrong...?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Tax Problems When Losing A Spouse]]>
                </title>
                                <description>
                                            <![CDATA[Losing a spouse can be an extremely difficult experience. The financial issues that arise can make things even worse. In this show, we discuss a subset of these financial issues - taxes. We tackle the tax implications that arise when you lose a spouse.]]>
                                    </description>
                <pubDate>Thu, 01 Oct 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2684</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/201001-73185-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Losing a spouse can be an extremely difficult experience. The financial issues that arise can make things even worse. In this show, we discuss a subset of these financial issues - taxes. We tackle the tax implications that arise when you lose a spouse.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Oct 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Losing a spouse can be an extremely difficult experience. The financial issues that arise can make things even worse. In this show, we discuss a subset of these financial issues - taxes. We tackle the tax implications that arise when you lose a spouse.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving When You Don&#039;t Have Enough To Save]]>
                </title>
                                <description>
                                            <![CDATA[We all know it&#039;s a good idea to put aside money for the future. However, not everyone has the money available right now to save. Additionally, it can be discouraging when the calculations show you how far off your savings rate is compared to where it &quot;needs&quot; to be. In this show we will discuss a strategy that may help those who are feeling hopeless about saving for the future.]]>
                                    </description>
                <pubDate>Thu, 24 Sep 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2658</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200924-73184-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We all know it&#039;s a good idea to put aside money for the future. However, not everyone has the money available right now to save. Additionally, it can be discouraging when the calculations show you how far off your savings rate is compared to where it &quot;needs&quot; to be. In this show we will discuss a strategy that may help those who are feeling hopeless about saving for the future.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Sep 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We all know it&#039;s a good idea to put aside money for the future. However, not everyone has the money available right now to save. Additionally, it can be discouraging when the calculations show you how far off your savings rate is compared to where it &quot;needs&quot; to be. In this show we will discuss a strategy that may help those who are feeling hopeless about saving for the future.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How was the stimulus money used?]]>
                </title>
                                <description>
                                            <![CDATA[What happened to the first round of 2020 stimulus money? Did people spend those $1,200 checks? In this show we discuss what people did with their stimulus money and how it impacts their retirement situation.]]>
                                    </description>
                <pubDate>Thu, 17 Sep 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2636</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200917-73183-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happened to the first round of 2020 stimulus money? Did people spend those $1,200 checks? In this show we discuss what people did with their stimulus money and how it impacts their retirement situation.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Sep 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happened to the first round of 2020 stimulus money? Did people spend those $1,200 checks? In this show we discuss what people did with their stimulus money and how it impacts their retirement situation.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Angry Financial Decisions]]>
                </title>
                                <description>
                                            <![CDATA[Emotions are running high across the country during this global pandemic. You add in a very polarizing presidential election, and now emotions really flare up. The problem is that making decisions while highly emotional may not be a good thing. Emotional decision making often leads to poor decision making. But, that might not always be the case.
In today’s show we are going explore how anger, in particular, effects decision making. And you might be surprised that being angry might actually improve your financial decision-making.]]>
                                    </description>
                <pubDate>Thu, 10 Sep 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2616</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200910-73182-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Emotions are running high across the country during this global pandemic. You add in a very polarizing presidential election, and now emotions really flare up. The problem is that making decisions while highly emotional may not be a good thing. Emotional decision making often leads to poor decision making. But, that might not always be the case.
In today’s show we are going explore how anger, in particular, effects decision making. And you might be surprised that being angry might actually improve your financial decision-making.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Sep 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Emotions are running high across the country during this global pandemic. You add in a very polarizing presidential election, and now emotions really flare up. The problem is that making decisions while highly emotional may not be a good thing. Emotional decision making often leads to poor decision making. But, that might not always be the case.
In today’s show we are going explore how anger, in particular, effects decision making. And you might be surprised that being angry might actually improve your financial decision-making.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should I Roll Over My 401k?]]>
                </title>
                                <description>
                                            <![CDATA[With so many people changing jobs or losing employment, the question of what to do with the old 401k arises. Should I roll it into an IRA? While rolling an old 401k into an IRA has some benefits, sometimes the better choice is to roll it into a new 401k or simply leave it where it is. In this show we discuss the pros and cons of moving an old 401k.]]>
                                    </description>
                <pubDate>Thu, 03 Sep 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2595</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200903-73181-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[With so many people changing jobs or losing employment, the question of what to do with the old 401k arises. Should I roll it into an IRA? While rolling an old 401k into an IRA has some benefits, sometimes the better choice is to roll it into a new 401k or simply leave it where it is. In this show we discuss the pros and cons of moving an old 401k.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Sep 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[With so many people changing jobs or losing employment, the question of what to do with the old 401k arises. Should I roll it into an IRA? While rolling an old 401k into an IRA has some benefits, sometimes the better choice is to roll it into a new 401k or simply leave it where it is. In this show we discuss the pros and cons of moving an old 401k.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance After Losing Your Job]]>
                </title>
                                <description>
                                            <![CDATA[One of the major problems of the global pandemic is unemployment. To make matters worse, losing your job also usually results in losing benefits like health insurance.
In this show we discuss what your options are if you lose employer sponsored health insurance. We talk about the changes to the laws surrounding COBRA and other considerations.]]>
                                    </description>
                <pubDate>Thu, 27 Aug 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2573</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200827-73180-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[One of the major problems of the global pandemic is unemployment. To make matters worse, losing your job also usually results in losing benefits like health insurance.
In this show we discuss what your options are if you lose employer sponsored health insurance. We talk about the changes to the laws surrounding COBRA and other considerations.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Aug 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[One of the major problems of the global pandemic is unemployment. To make matters worse, losing your job also usually results in losing benefits like health insurance.
In this show we discuss what your options are if you lose employer sponsored health insurance. We talk about the changes to the laws surrounding COBRA and other considerations.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Taxes When Selling Your House]]>
                </title>
                                <description>
                                            <![CDATA[When people approach retirement, one of their largest assets is usually their primary residence. In fact, there is often a large capital gain realized when they finally sell that home and move away. In this show we discuss how that gain is created and how it is taxed. Dan also shares details on the surprise tax bill that was heading toward his father when he sold the childhood house after over 50 years. Learn the rules and avoid the surprise tax bills.]]>
                                    </description>
                <pubDate>Thu, 20 Aug 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2552</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200820-73179-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When people approach retirement, one of their largest assets is usually their primary residence. In fact, there is often a large capital gain realized when they finally sell that home and move away. In this show we discuss how that gain is created and how it is taxed. Dan also shares details on the surprise tax bill that was heading toward his father when he sold the childhood house after over 50 years. Learn the rules and avoid the surprise tax bills.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Aug 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When people approach retirement, one of their largest assets is usually their primary residence. In fact, there is often a large capital gain realized when they finally sell that home and move away. In this show we discuss how that gain is created and how it is taxed. Dan also shares details on the surprise tax bill that was heading toward his father when he sold the childhood house after over 50 years. Learn the rules and avoid the surprise tax bills.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Indexed Universal Life: Pros &amp; Cons]]>
                </title>
                                <description>
                                            <![CDATA[Indexed Universal Life insurance (IUL) has been gaining popularity over the past decade. It&#039;s a type of life insurance that is flexible and often touted as a means to generate wealth and retirement income. In this show Tony oversees a casual debate between two Dolphin Financial Group representatives (Dan and Jonah) as they review the pros and cons of this type of insurance. If you own an IUL or are thinking about purchasing this type of insurance, this show is for you.]]>
                                    </description>
                <pubDate>Thu, 13 Aug 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2531</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200813-73178-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Indexed Universal Life insurance (IUL) has been gaining popularity over the past decade. It&#039;s a type of life insurance that is flexible and often touted as a means to generate wealth and retirement income. In this show Tony oversees a casual debate between two Dolphin Financial Group representatives (Dan and Jonah) as they review the pros and cons of this type of insurance. If you own an IUL or are thinking about purchasing this type of insurance, this show is for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 13 Aug 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Indexed Universal Life insurance (IUL) has been gaining popularity over the past decade. It&#039;s a type of life insurance that is flexible and often touted as a means to generate wealth and retirement income. In this show Tony oversees a casual debate between two Dolphin Financial Group representatives (Dan and Jonah) as they review the pros and cons of this type of insurance. If you own an IUL or are thinking about purchasing this type of insurance, this show is for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Term Life Conversion]]>
                </title>
                                <description>
                                            <![CDATA[if you bought a term life insurance policy that is about to expire, what are your options? What if you have group life insurance through your employer and are about to leave the company? In this show we discuss the options for those that want to keep some level of life insurance coverage. We cover the process of buying something new and also converting your existing policy into something that will last for as long as you do. Listen in as we talk about dealing with expiring term life insurance policies.]]>
                                    </description>
                <pubDate>Thu, 06 Aug 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2506</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200806-73177-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[if you bought a term life insurance policy that is about to expire, what are your options? What if you have group life insurance through your employer and are about to leave the company? In this show we discuss the options for those that want to keep some level of life insurance coverage. We cover the process of buying something new and also converting your existing policy into something that will last for as long as you do. Listen in as we talk about dealing with expiring term life insurance policies.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 Aug 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[if you bought a term life insurance policy that is about to expire, what are your options? What if you have group life insurance through your employer and are about to leave the company? In this show we discuss the options for those that want to keep some level of life insurance coverage. We cover the process of buying something new and also converting your existing policy into something that will last for as long as you do. Listen in as we talk about dealing with expiring term life insurance policies.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring Off Dividends]]>
                </title>
                                <description>
                                            <![CDATA[What are dividend paying stocks and can you live off the income they produce? 

In this show we discuss the concept of dividends from stocks and how they generate income for retirees. We will discuss the pros and cons and explore whether or not this is a realistic retirement income strategy in today&#039;s market environment.]]>
                                    </description>
                <pubDate>Thu, 30 Jul 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2488</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200730-73176-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What are dividend paying stocks and can you live off the income they produce? 

In this show we discuss the concept of dividends from stocks and how they generate income for retirees. We will discuss the pros and cons and explore whether or not this is a realistic retirement income strategy in today&#039;s market environment.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Jul 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What are dividend paying stocks and can you live off the income they produce? 

In this show we discuss the concept of dividends from stocks and how they generate income for retirees. We will discuss the pros and cons and explore whether or not this is a realistic retirement income strategy in today&#039;s market environment.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Claiming Social Security While Still Working]]>
                </title>
                                <description>
                                            <![CDATA[What happens if you claim Social Security yet continue to work? What are the rules and penalties associated with simultaneously claiming and working? In this show we discuss the details of what happens to your Social Security benefits if you choose to work. We touch on the earnings limits, age restrictions, payments withheld, and where the money that isn’t given to you actually goes in the end. If you are considering claiming Social Security and maintaining employment, this show is for you.]]>
                                    </description>
                <pubDate>Thu, 23 Jul 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2465</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200723-73175-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens if you claim Social Security yet continue to work? What are the rules and penalties associated with simultaneously claiming and working? In this show we discuss the details of what happens to your Social Security benefits if you choose to work. We touch on the earnings limits, age restrictions, payments withheld, and where the money that isn’t given to you actually goes in the end. If you are considering claiming Social Security and maintaining employment, this show is for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Jul 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens if you claim Social Security yet continue to work? What are the rules and penalties associated with simultaneously claiming and working? In this show we discuss the details of what happens to your Social Security benefits if you choose to work. We touch on the earnings limits, age restrictions, payments withheld, and where the money that isn’t given to you actually goes in the end. If you are considering claiming Social Security and maintaining employment, this show is for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How COVID 19 Is Changing Financial Situations]]>
                </title>
                                <description>
                                            <![CDATA[The global pandemic is changing the way Americans behave. It is also impacting many financially. In this show Dan and Tony reflect on current changes in business and personal behaviors and the subsequent financial effects. Tony even gets into the detail of how is favorite industry (vinyl records) is changing rapidly once again.]]>
                                    </description>
                <pubDate>Thu, 16 Jul 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2445</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200716-73174-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The global pandemic is changing the way Americans behave. It is also impacting many financially. In this show Dan and Tony reflect on current changes in business and personal behaviors and the subsequent financial effects. Tony even gets into the detail of how is favorite industry (vinyl records) is changing rapidly once again.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Jul 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The global pandemic is changing the way Americans behave. It is also impacting many financially. In this show Dan and Tony reflect on current changes in business and personal behaviors and the subsequent financial effects. Tony even gets into the detail of how is favorite industry (vinyl records) is changing rapidly once again.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The F-Word Is Back In Style]]>
                </title>
                                <description>
                                            <![CDATA[The F-Word is back in the limelight of the financial services world. We are talking about the word &quot;Fiduciary.&quot; On June 30th, 2020, Regulation Best Interest (BI) is being enforced by the Securities &amp; Exchange Commission (SEC). In this show we discuss what this what this means for the average investor and why there is such an uproar about this new standard that demands financial services professionals to actually act in the best interest of their client. Aren&#039;t financial pros already required to act in their clients&#039; best interest?]]>
                                    </description>
                <pubDate>Thu, 09 Jul 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2427</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200709-73173-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The F-Word is back in the limelight of the financial services world. We are talking about the word &quot;Fiduciary.&quot; On June 30th, 2020, Regulation Best Interest (BI) is being enforced by the Securities &amp; Exchange Commission (SEC). In this show we discuss what this what this means for the average investor and why there is such an uproar about this new standard that demands financial services professionals to actually act in the best interest of their client. Aren&#039;t financial pros already required to act in their clients&#039; best interest?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 09 Jul 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The F-Word is back in the limelight of the financial services world. We are talking about the word &quot;Fiduciary.&quot; On June 30th, 2020, Regulation Best Interest (BI) is being enforced by the Securities &amp; Exchange Commission (SEC). In this show we discuss what this what this means for the average investor and why there is such an uproar about this new standard that demands financial services professionals to actually act in the best interest of their client. Aren&#039;t financial pros already required to act in their clients&#039; best interest?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Risk Free Investing]]>
                </title>
                                <description>
                                            <![CDATA[Most people are familiar with the investment concept of risk vs reward or risk/return. The more risk you take, the greater the return should be. By the same token, the less risk you take, the lower the return should be. So what about risk-free investments? Perhaps you heard the term risk-free investments or risk-free retirement. In this show we are going to explore this concept and discuss what that might look like and if it even exists.]]>
                                    </description>
                <pubDate>Thu, 02 Jul 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2410</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200704-73172-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Most people are familiar with the investment concept of risk vs reward or risk/return. The more risk you take, the greater the return should be. By the same token, the less risk you take, the lower the return should be. So what about risk-free investments? Perhaps you heard the term risk-free investments or risk-free retirement. In this show we are going to explore this concept and discuss what that might look like and if it even exists.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Jul 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Most people are familiar with the investment concept of risk vs reward or risk/return. The more risk you take, the greater the return should be. By the same token, the less risk you take, the lower the return should be. So what about risk-free investments? Perhaps you heard the term risk-free investments or risk-free retirement. In this show we are going to explore this concept and discuss what that might look like and if it even exists.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Personality Traits Impact Retirement Income]]>
                </title>
                                <description>
                                            <![CDATA[Could it be that your personality characteristics will impact your retirement income regardless of the math behind your financial plans? Are your personality traits more important than the size of your retirement portfolio? In this show we explore the idea that there is more to retirement income than the numbers.]]>
                                    </description>
                <pubDate>Thu, 25 Jun 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2394</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200627-73171-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Could it be that your personality characteristics will impact your retirement income regardless of the math behind your financial plans? Are your personality traits more important than the size of your retirement portfolio? In this show we explore the idea that there is more to retirement income than the numbers.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Jun 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Could it be that your personality characteristics will impact your retirement income regardless of the math behind your financial plans? Are your personality traits more important than the size of your retirement portfolio? In this show we explore the idea that there is more to retirement income than the numbers.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Early Retirement Packages]]>
                </title>
                                <description>
                                            <![CDATA[Sometimes a company will offer an early retirement package to employees. This has certainly been the case during the summer of 2020 for industries like airlines. Analyzing these early retirement offers is a high stakes, complex process. In this show we review process for considering an early retirement package.]]>
                                    </description>
                <pubDate>Thu, 18 Jun 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2373</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200620-73170-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Sometimes a company will offer an early retirement package to employees. This has certainly been the case during the summer of 2020 for industries like airlines. Analyzing these early retirement offers is a high stakes, complex process. In this show we review process for considering an early retirement package.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Jun 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Sometimes a company will offer an early retirement package to employees. This has certainly been the case during the summer of 2020 for industries like airlines. Analyzing these early retirement offers is a high stakes, complex process. In this show we review process for considering an early retirement package.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Jokes &amp; Humor]]>
                </title>
                                <description>
                                            <![CDATA[Laughter is said to be some really good medicine. In this show we try to offer a healthy dose of laughter as we share some funny jokes - retirement and financial related humor of course!]]>
                                    </description>
                <pubDate>Thu, 11 Jun 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2353</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200613-73169-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Laughter is said to be some really good medicine. In this show we try to offer a healthy dose of laughter as we share some funny jokes - retirement and financial related humor of course!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Jun 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Laughter is said to be some really good medicine. In this show we try to offer a healthy dose of laughter as we share some funny jokes - retirement and financial related humor of course!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Stock Market Rebound Of 2020 - Will It Last?]]>
                </title>
                                <description>
                                            <![CDATA[The stock market had one of the fastest plunges from all-time highs starting in February 2020. However, there has been an equally impressive, and quick, bounce. This bounce has happened in the face of economic uncertainty on a global scale. Will it last or is this only a head fake?]]>
                                    </description>
                <pubDate>Thu, 04 Jun 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2333</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200606-73168-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The stock market had one of the fastest plunges from all-time highs starting in February 2020. However, there has been an equally impressive, and quick, bounce. This bounce has happened in the face of economic uncertainty on a global scale. Will it last or is this only a head fake?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Jun 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The stock market had one of the fastest plunges from all-time highs starting in February 2020. However, there has been an equally impressive, and quick, bounce. This bounce has happened in the face of economic uncertainty on a global scale. Will it last or is this only a head fake?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is Money Worth More Than Time?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about Warren Buffet&#039;s son, Peter, and what he did with his inheritance in 1977. Spoiler alert - he didn&#039;t keep in in Berkshire stock. If he did, it would be worth about $200 million today! Perhaps he invested it in something more valuable?]]>
                                    </description>
                <pubDate>Thu, 28 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2317</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200528-73167-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about Warren Buffet&#039;s son, Peter, and what he did with his inheritance in 1977. Spoiler alert - he didn&#039;t keep in in Berkshire stock. If he did, it would be worth about $200 million today! Perhaps he invested it in something more valuable?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about Warren Buffet&#039;s son, Peter, and what he did with his inheritance in 1977. Spoiler alert - he didn&#039;t keep in in Berkshire stock. If he did, it would be worth about $200 million today! Perhaps he invested it in something more valuable?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Make More Money Staying Unemployed]]>
                </title>
                                <description>
                                            <![CDATA[The economic relief bill passed in March of 2020 has increased unemployment benefits by an extra $600 per week. This is has created a situation where many people are making more money unemployed than they would fully employed. In this show we discuss the situation and determine if this is good or bad.]]>
                                    </description>
                <pubDate>Thu, 21 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2299</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200521-73166-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The economic relief bill passed in March of 2020 has increased unemployment benefits by an extra $600 per week. This is has created a situation where many people are making more money unemployed than they would fully employed. In this show we discuss the situation and determine if this is good or bad.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The economic relief bill passed in March of 2020 has increased unemployment benefits by an extra $600 per week. This is has created a situation where many people are making more money unemployed than they would fully employed. In this show we discuss the situation and determine if this is good or bad.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Does Insurance Cover COVID-19?]]>
                </title>
                                <description>
                                            <![CDATA[The global pandemic has cause a lot of economic disruption and financial pain. To offset such financial difficulties, many people buy insurance. In today&#039;s show we explore if insurance policies are actually helping during this crisis. In particular, we will discuss whether or not health insurance, disability insurance, and business income insurance policies are covering this global pandemic.]]>
                                    </description>
                <pubDate>Thu, 14 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2279</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200514-73165-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The global pandemic has cause a lot of economic disruption and financial pain. To offset such financial difficulties, many people buy insurance. In today&#039;s show we explore if insurance policies are actually helping during this crisis. In particular, we will discuss whether or not health insurance, disability insurance, and business income insurance policies are covering this global pandemic.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The global pandemic has cause a lot of economic disruption and financial pain. To offset such financial difficulties, many people buy insurance. In today&#039;s show we explore if insurance policies are actually helping during this crisis. In particular, we will discuss whether or not health insurance, disability insurance, and business income insurance policies are covering this global pandemic.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When Free Isn&#039;t Free]]>
                </title>
                                <description>
                                            <![CDATA[Free is a good thing right? Well, as the old saying goes, nothing in life is free. Or is it? In this show we talk about many of the things we are offered for free, but that really do come with a cost. Inspired by the man who drove to 11 Wendy&#039;s fast food restaurants to get free chicken nuggets, this show may make you think twice about taking that next thing for &quot;free&quot;.]]>
                                    </description>
                <pubDate>Thu, 07 May 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2259</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200507-73164-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Free is a good thing right? Well, as the old saying goes, nothing in life is free. Or is it? In this show we talk about many of the things we are offered for free, but that really do come with a cost. Inspired by the man who drove to 11 Wendy&#039;s fast food restaurants to get free chicken nuggets, this show may make you think twice about taking that next thing for &quot;free&quot;.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 May 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Free is a good thing right? Well, as the old saying goes, nothing in life is free. Or is it? In this show we talk about many of the things we are offered for free, but that really do come with a cost. Inspired by the man who drove to 11 Wendy&#039;s fast food restaurants to get free chicken nuggets, this show may make you think twice about taking that next thing for &quot;free&quot;.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why The Stimulus Is Bad For Retirees]]>
                </title>
                                <description>
                                            <![CDATA[Should retirees have received a stimulus check? Is is going to hurt them in the long run? In this show we talk about the good and the bad of the recent government stimulus. We touch on deflation and inflation and, most importantly, the debt our country has undertaken to save our economy.]]>
                                    </description>
                <pubDate>Thu, 30 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2238</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200430-73163-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should retirees have received a stimulus check? Is is going to hurt them in the long run? In this show we talk about the good and the bad of the recent government stimulus. We touch on deflation and inflation and, most importantly, the debt our country has undertaken to save our economy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should retirees have received a stimulus check? Is is going to hurt them in the long run? In this show we talk about the good and the bad of the recent government stimulus. We touch on deflation and inflation and, most importantly, the debt our country has undertaken to save our economy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When Target Date Funds Fail]]>
                </title>
                                <description>
                                            <![CDATA[Target Date Funds are quite popular within 401(k)&#039;s. The purpose and strategy of these funds makes a lot of sense. However, for people that are close to retirement, these Target Date Funds may be missing the mark. In this show we discuss how these funds may not be designed for those within 10 years, 5 years, or even closer to retirement.]]>
                                    </description>
                <pubDate>Thu, 23 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2221</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200423-73162-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Target Date Funds are quite popular within 401(k)&#039;s. The purpose and strategy of these funds makes a lot of sense. However, for people that are close to retirement, these Target Date Funds may be missing the mark. In this show we discuss how these funds may not be designed for those within 10 years, 5 years, or even closer to retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Target Date Funds are quite popular within 401(k)&#039;s. The purpose and strategy of these funds makes a lot of sense. However, for people that are close to retirement, these Target Date Funds may be missing the mark. In this show we discuss how these funds may not be designed for those within 10 years, 5 years, or even closer to retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[CARES Act Retirement Strategies]]>
                </title>
                                <description>
                                            <![CDATA[The Coronavirus Aid, Relief, &amp; Economic Security Act (CARES) has some parts that impact our retirement system. In this show we discuss the main implications including changes to RMDs, early withdrawal penalties from IRAs and 401ks, and how taxes are deferred from retirement withdrawals. The big question we answer - is there a way to benefit financially from the CARES Act rule changes?]]>
                                    </description>
                <pubDate>Thu, 16 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2197</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200416-73161-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Coronavirus Aid, Relief, &amp; Economic Security Act (CARES) has some parts that impact our retirement system. In this show we discuss the main implications including changes to RMDs, early withdrawal penalties from IRAs and 401ks, and how taxes are deferred from retirement withdrawals. The big question we answer - is there a way to benefit financially from the CARES Act rule changes?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Coronavirus Aid, Relief, &amp; Economic Security Act (CARES) has some parts that impact our retirement system. In this show we discuss the main implications including changes to RMDs, early withdrawal penalties from IRAs and 401ks, and how taxes are deferred from retirement withdrawals. The big question we answer - is there a way to benefit financially from the CARES Act rule changes?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Positive Side of this Global Pandemic]]>
                </title>
                                <description>
                                            <![CDATA[The global pandemic is not a good situation by any measure, particularly when it relates to finances. However, in today&#039;s show we discuss the positive aspects of our situation. In fact, Dan shares how this global crisis might actually provide the opportunity of a lifetime for many people.]]>
                                    </description>
                <pubDate>Thu, 09 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2175</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200409-73160-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The global pandemic is not a good situation by any measure, particularly when it relates to finances. However, in today&#039;s show we discuss the positive aspects of our situation. In fact, Dan shares how this global crisis might actually provide the opportunity of a lifetime for many people.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 09 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The global pandemic is not a good situation by any measure, particularly when it relates to finances. However, in today&#039;s show we discuss the positive aspects of our situation. In fact, Dan shares how this global crisis might actually provide the opportunity of a lifetime for many people.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring During An Economic Crash]]>
                </title>
                                <description>
                                            <![CDATA[Retiring can be a wonderfully exciting time in your life. It can also be difficult and stressful, especially if you retire during an economic crash or a global pandemic.
In this show, we will talk about retiring during turmoil. We&#039;ll discuss the challenges and strategies of pulling the retirement trigger when the stock market is in bear territory. Don&#039;t worry, the answer isn&#039;t to delay retirement...at least not for everyone.]]>
                                    </description>
                <pubDate>Thu, 02 Apr 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2152</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200402-73159-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retiring can be a wonderfully exciting time in your life. It can also be difficult and stressful, especially if you retire during an economic crash or a global pandemic.
In this show, we will talk about retiring during turmoil. We&#039;ll discuss the challenges and strategies of pulling the retirement trigger when the stock market is in bear territory. Don&#039;t worry, the answer isn&#039;t to delay retirement...at least not for everyone.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Apr 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retiring can be a wonderfully exciting time in your life. It can also be difficult and stressful, especially if you retire during an economic crash or a global pandemic.
In this show, we will talk about retiring during turmoil. We&#039;ll discuss the challenges and strategies of pulling the retirement trigger when the stock market is in bear territory. Don&#039;t worry, the answer isn&#039;t to delay retirement...at least not for everyone.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Estate Planning - Beneficiaries &amp; Children]]>
                </title>
                                <description>
                                            <![CDATA[A big part of estate planning is taking care of others when you pass away.  In this show we talk specifically about different scenarios and issues that may arise when it comes to beneficiaries.  Perhaps you are leaving assets to minor children.  Maybe you have some restrictions you&#039;d like to establish for adult beneficiaries, particularly those that may not be great at handling money.  Join Dan as he discusses these important issues with estate planner Debbie Faulkner.]]>
                                    </description>
                <pubDate>Thu, 26 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2128</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200326-73158-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[A big part of estate planning is taking care of others when you pass away.  In this show we talk specifically about different scenarios and issues that may arise when it comes to beneficiaries.  Perhaps you are leaving assets to minor children.  Maybe you have some restrictions you&#039;d like to establish for adult beneficiaries, particularly those that may not be great at handling money.  Join Dan as he discusses these important issues with estate planner Debbie Faulkner.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[A big part of estate planning is taking care of others when you pass away.  In this show we talk specifically about different scenarios and issues that may arise when it comes to beneficiaries.  Perhaps you are leaving assets to minor children.  Maybe you have some restrictions you&#039;d like to establish for adult beneficiaries, particularly those that may not be great at handling money.  Join Dan as he discusses these important issues with estate planner Debbie Faulkner.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Lessons From Celebrities]]>
                </title>
                                <description>
                                            <![CDATA[Men&#039;s Health recently released a series of videos with a Men&#039;s Wealth theme. They interviewed various celebrities and had them share financial mistakes and lessons. In this show we will discuss the highlights from these interviews and relate them to the average person.]]>
                                    </description>
                <pubDate>Thu, 19 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2110</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200319-73157-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Men&#039;s Health recently released a series of videos with a Men&#039;s Wealth theme. They interviewed various celebrities and had them share financial mistakes and lessons. In this show we will discuss the highlights from these interviews and relate them to the average person.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Men&#039;s Health recently released a series of videos with a Men&#039;s Wealth theme. They interviewed various celebrities and had them share financial mistakes and lessons. In this show we will discuss the highlights from these interviews and relate them to the average person.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving For Retirement Is A Waste Of Money]]>
                </title>
                                <description>
                                            <![CDATA[Is saving for retirement a waste of resources? Does it make more financial sense to spend your money on living while you are young and healthy? This might sound strange, but if you run the numbers, for some people this no-savings retirement strategy might be smart.]]>
                                    </description>
                <pubDate>Thu, 12 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2090</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200312-73156-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is saving for retirement a waste of resources? Does it make more financial sense to spend your money on living while you are young and healthy? This might sound strange, but if you run the numbers, for some people this no-savings retirement strategy might be smart.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is saving for retirement a waste of resources? Does it make more financial sense to spend your money on living while you are young and healthy? This might sound strange, but if you run the numbers, for some people this no-savings retirement strategy might be smart.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Market Corrections &amp; Recoveries]]>
                </title>
                                <description>
                                            <![CDATA[The recent dramatic stock market decline is definitely unsettling for investors. Is it time to get out of the market? It is time to start buying? In this show we talk about corrections and bear markets along with the recovery times. Listen in if you want an idea on how to handle the emotions that come along with these drastic market moves.]]>
                                    </description>
                <pubDate>Thu, 05 Mar 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2071</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200305-73155-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The recent dramatic stock market decline is definitely unsettling for investors. Is it time to get out of the market? It is time to start buying? In this show we talk about corrections and bear markets along with the recovery times. Listen in if you want an idea on how to handle the emotions that come along with these drastic market moves.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Mar 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The recent dramatic stock market decline is definitely unsettling for investors. Is it time to get out of the market? It is time to start buying? In this show we talk about corrections and bear markets along with the recovery times. Listen in if you want an idea on how to handle the emotions that come along with these drastic market moves.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement Accounts When a Company Fails]]>
                </title>
                                <description>
                                            <![CDATA[In this show we discuss some recent company failures, loss of pensions, and what employees should do if they are afraid of losing their retirement benefits.]]>
                                    </description>
                <pubDate>Thu, 27 Feb 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2056</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200229-73154-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show we discuss some recent company failures, loss of pensions, and what employees should do if they are afraid of losing their retirement benefits.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Feb 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show we discuss some recent company failures, loss of pensions, and what employees should do if they are afraid of losing their retirement benefits.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Florida Wills &amp; Trusts Basics]]>
                </title>
                                <description>
                                            <![CDATA[Do I really need any of these documents?  What&#039;s the bare minimum I can get away with?
Do I need a Will if I have a Trust?
Do I need to update my Will if I move to Florida?
In this show we cover the basics on wills, trusts and estate planning in Florida.  Local estate planning attorney, Debbie Faulkner, joins the conversation and fields a bunch of common questions that need answering.]]>
                                    </description>
                <pubDate>Thu, 20 Feb 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2038</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200222-73153-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do I really need any of these documents?  What&#039;s the bare minimum I can get away with?
Do I need a Will if I have a Trust?
Do I need to update my Will if I move to Florida?
In this show we cover the basics on wills, trusts and estate planning in Florida.  Local estate planning attorney, Debbie Faulkner, joins the conversation and fields a bunch of common questions that need answering.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Feb 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do I really need any of these documents?  What&#039;s the bare minimum I can get away with?
Do I need a Will if I have a Trust?
Do I need to update my Will if I move to Florida?
In this show we cover the basics on wills, trusts and estate planning in Florida.  Local estate planning attorney, Debbie Faulkner, joins the conversation and fields a bunch of common questions that need answering.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Hot Stock Tips In Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Have you ever been given a hot stock tip? Do you want one? In this show we talk about how to handle a hot stock tip, especially if you are close to retirement. As an extra bonus, Dan will lead off the show with his latest hot stock tip for the listeners.]]>
                                    </description>
                <pubDate>Sat, 15 Feb 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-2020</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200215-73152-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Have you ever been given a hot stock tip? Do you want one? In this show we talk about how to handle a hot stock tip, especially if you are close to retirement. As an extra bonus, Dan will lead off the show with his latest hot stock tip for the listeners.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Feb 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Have you ever been given a hot stock tip? Do you want one? In this show we talk about how to handle a hot stock tip, especially if you are close to retirement. As an extra bonus, Dan will lead off the show with his latest hot stock tip for the listeners.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Three-Legged Stool Is Dead (Almost)]]>
                </title>
                                <description>
                                            <![CDATA[The traditional retirement income plan is often called a three-legged stool. This is a combination of Social Security, Pensions, and savings. In this show we discuss why the three-legged stool is almost dead and what you can do to revive it.]]>
                                    </description>
                <pubDate>Sat, 08 Feb 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1999</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200208-73151-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The traditional retirement income plan is often called a three-legged stool. This is a combination of Social Security, Pensions, and savings. In this show we discuss why the three-legged stool is almost dead and what you can do to revive it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Feb 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The traditional retirement income plan is often called a three-legged stool. This is a combination of Social Security, Pensions, and savings. In this show we discuss why the three-legged stool is almost dead and what you can do to revive it.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should I Do A Roth Conversion?]]>
                </title>
                                <description>
                                            <![CDATA[With the passage of the SECURE Act and the changes to IRA rules, discussion on Roth conversions is heating up. In this show we will talk about why Roth conversions are a hot topic now and also why they do NOT make sense for many people.]]>
                                    </description>
                <pubDate>Sat, 01 Feb 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1979</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200201-73150-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[With the passage of the SECURE Act and the changes to IRA rules, discussion on Roth conversions is heating up. In this show we will talk about why Roth conversions are a hot topic now and also why they do NOT make sense for many people.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Feb 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[With the passage of the SECURE Act and the changes to IRA rules, discussion on Roth conversions is heating up. In this show we will talk about why Roth conversions are a hot topic now and also why they do NOT make sense for many people.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing Regrets &amp; How To Avoid Them]]>
                </title>
                                <description>
                                            <![CDATA[In a recent online survey conducted by MagnifyMoney.com, people with investment accounts were asked about any regrets they had. It turns out that 77% did have a regret. In this show we find out what those regrets are and talk about how to avoid them.]]>
                                    </description>
                <pubDate>Sat, 25 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1962</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200125-73149-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In a recent online survey conducted by MagnifyMoney.com, people with investment accounts were asked about any regrets they had. It turns out that 77% did have a regret. In this show we find out what those regrets are and talk about how to avoid them.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 Jan 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In a recent online survey conducted by MagnifyMoney.com, people with investment accounts were asked about any regrets they had. It turns out that 77% did have a regret. In this show we find out what those regrets are and talk about how to avoid them.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[New RMD Rules - Age 72]]>
                </title>
                                <description>
                                            <![CDATA[The SECURE Act has been signed by the President and new rules will impact your retirement. In particular, the age to begin taking Required Minimum Distributions (RMDs) has been raised from 70.5 to 72. How will this impact your retirement income plans? What changes should be made to benefit from this new rule? We&#039;ll discuss RMDs and these recent changes in this show.]]>
                                    </description>
                <pubDate>Sat, 18 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1942</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200118-73148-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The SECURE Act has been signed by the President and new rules will impact your retirement. In particular, the age to begin taking Required Minimum Distributions (RMDs) has been raised from 70.5 to 72. How will this impact your retirement income plans? What changes should be made to benefit from this new rule? We&#039;ll discuss RMDs and these recent changes in this show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 Jan 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The SECURE Act has been signed by the President and new rules will impact your retirement. In particular, the age to begin taking Required Minimum Distributions (RMDs) has been raised from 70.5 to 72. How will this impact your retirement income plans? What changes should be made to benefit from this new rule? We&#039;ll discuss RMDs and these recent changes in this show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial New Year Resolutions]]>
                </title>
                                <description>
                                            <![CDATA[It&#039;s that time of year to make resolutions and improve your life. In this show we focus on financial resolutions. In particular, we discuss an article Tony found that discusses 14 resolutions that financial planners are recommending. Are they pie-in-the-sky or realistic? Listen in as Dan and Tony give a practical take on these suggested financial resolutions.]]>
                                    </description>
                <pubDate>Sat, 11 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1925</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200111-73147-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[It&#039;s that time of year to make resolutions and improve your life. In this show we focus on financial resolutions. In particular, we discuss an article Tony found that discusses 14 resolutions that financial planners are recommending. Are they pie-in-the-sky or realistic? Listen in as Dan and Tony give a practical take on these suggested financial resolutions.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 Jan 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[It&#039;s that time of year to make resolutions and improve your life. In this show we focus on financial resolutions. In particular, we discuss an article Tony found that discusses 14 resolutions that financial planners are recommending. Are they pie-in-the-sky or realistic? Listen in as Dan and Tony give a practical take on these suggested financial resolutions.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Avoid Taxes On Capital Gains]]>
                </title>
                                <description>
                                            <![CDATA[Capital gains are a good thing. You made a profit on an investment. However, the IRS wants to tax those gains. In this show we talk about the different types of capital gains and provide specifics on how to pay 0% in taxes. If you have some capital gains that you are thinking about taking, listen to this show first and save some money!]]>
                                    </description>
                <pubDate>Sat, 04 Jan 2020 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1917</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/200104-73146-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Capital gains are a good thing. You made a profit on an investment. However, the IRS wants to tax those gains. In this show we talk about the different types of capital gains and provide specifics on how to pay 0% in taxes. If you have some capital gains that you are thinking about taking, listen to this show first and save some money!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 Jan 2020 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Capital gains are a good thing. You made a profit on an investment. However, the IRS wants to tax those gains. In this show we talk about the different types of capital gains and provide specifics on how to pay 0% in taxes. If you have some capital gains that you are thinking about taking, listen to this show first and save some money!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Holiday Movie Lessons]]>
                </title>
                                <description>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </description>
                <pubDate>Sat, 28 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1907</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191228-73007-Wendol-Updated.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Dec 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do you ever feel like you need a guide to help navigate your retirement? Retirement can be scary, but it doesn&#039;t have to be! Listen in to learn more about creating a RELIABLE and LONG-TERM retirement and download your COMPLIMENTARY Retirement Income Toolkit.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Student Loan Crisis - Strategies &amp; Tips]]>
                </title>
                                <description>
                                            <![CDATA[The student loan situation has reached crisis levels. It has become a 2020 campaign issue. In this show we talk about student loans. We discuss the causes and how to deal with it. And, after some differing opinions, we do provide some tips and strategies in the end. If you are thinking of taking out a student loan, co-signing, or dealing with repayment problems, listen in.]]>
                                    </description>
                <pubDate>Sat, 21 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1890</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191221-73145-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The student loan situation has reached crisis levels. It has become a 2020 campaign issue. In this show we talk about student loans. We discuss the causes and how to deal with it. And, after some differing opinions, we do provide some tips and strategies in the end. If you are thinking of taking out a student loan, co-signing, or dealing with repayment problems, listen in.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Dec 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The student loan situation has reached crisis levels. It has become a 2020 campaign issue. In this show we talk about student loans. We discuss the causes and how to deal with it. And, after some differing opinions, we do provide some tips and strategies in the end. If you are thinking of taking out a student loan, co-signing, or dealing with repayment problems, listen in.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Social Security Scam]]>
                </title>
                                <description>
                                            <![CDATA[Is Social Security itself a scam? Or have you been contacted by a scam artist claiming to be from Social Security? In this show we will discuss both of these seemingly related topics. We will talk about the newest phone scams surrounding Social Security. We will also discuss the viral emails that describe Social Security as a huge Ponzi Scheme run by the government.]]>
                                    </description>
                <pubDate>Sat, 14 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1873</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191214-73144-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is Social Security itself a scam? Or have you been contacted by a scam artist claiming to be from Social Security? In this show we will discuss both of these seemingly related topics. We will talk about the newest phone scams surrounding Social Security. We will also discuss the viral emails that describe Social Security as a huge Ponzi Scheme run by the government.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Dec 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is Social Security itself a scam? Or have you been contacted by a scam artist claiming to be from Social Security? In this show we will discuss both of these seemingly related topics. We will talk about the newest phone scams surrounding Social Security. We will also discuss the viral emails that describe Social Security as a huge Ponzi Scheme run by the government.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Qualified Charitable Distributions (QCDs) and avoiding taxes on a RMD]]>
                </title>
                                <description>
                                            <![CDATA[Qualified Charitable Distributions or QCDs are a specific giving strategy that allows people to donate directly from there IRA. This can be used to satisfy a Required Minimum Distribution (RMD). In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy. If you give to charity and want to avoid paying unnecessary taxes, be sure to listen in!]]>
                                    </description>
                <pubDate>Sat, 07 Dec 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1856</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191207-73143-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Qualified Charitable Distributions or QCDs are a specific giving strategy that allows people to donate directly from there IRA. This can be used to satisfy a Required Minimum Distribution (RMD). In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy. If you give to charity and want to avoid paying unnecessary taxes, be sure to listen in!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Dec 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Qualified Charitable Distributions or QCDs are a specific giving strategy that allows people to donate directly from there IRA. This can be used to satisfy a Required Minimum Distribution (RMD). In this show we&#039;ll discuss the IRS rules of QCDs and RMDs and discuss why some people might consider using this tax and giving strategy. If you give to charity and want to avoid paying unnecessary taxes, be sure to listen in!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Buy Nothing Day - A Black Friday Alternative]]>
                </title>
                                <description>
                                            <![CDATA[What if on Black Friday you stayed home and spend nothing? Rather than buy the great &quot;deal&quot; on stuff you &quot;need,&quot; save your money and spend time with family and friends. We will discuss the concept of a Buy Nothing Day and see if Dan and/or Tony will join in this growing international trend.]]>
                                    </description>
                <pubDate>Sat, 30 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1844</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191130-73142-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What if on Black Friday you stayed home and spend nothing? Rather than buy the great &quot;deal&quot; on stuff you &quot;need,&quot; save your money and spend time with family and friends. We will discuss the concept of a Buy Nothing Day and see if Dan and/or Tony will join in this growing international trend.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 30 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What if on Black Friday you stayed home and spend nothing? Rather than buy the great &quot;deal&quot; on stuff you &quot;need,&quot; save your money and spend time with family and friends. We will discuss the concept of a Buy Nothing Day and see if Dan and/or Tony will join in this growing international trend.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Buy A New Car]]>
                </title>
                                <description>
                                            <![CDATA[Don&#039;t spend more than 10% of your income on a new car. That&#039;s the advice that we debate in today&#039;s show. We&#039;ll talk about the financial impact of buying a new car and whether or not paying more than 10% of your income on a car purchase makes sense. Besides the price tag, what other factors go into the cost of a new car?]]>
                                    </description>
                <pubDate>Sat, 23 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1827</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191123-73141-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Don&#039;t spend more than 10% of your income on a new car. That&#039;s the advice that we debate in today&#039;s show. We&#039;ll talk about the financial impact of buying a new car and whether or not paying more than 10% of your income on a car purchase makes sense. Besides the price tag, what other factors go into the cost of a new car?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 23 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Don&#039;t spend more than 10% of your income on a new car. That&#039;s the advice that we debate in today&#039;s show. We&#039;ll talk about the financial impact of buying a new car and whether or not paying more than 10% of your income on a car purchase makes sense. Besides the price tag, what other factors go into the cost of a new car?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The True Costs Of Caregiving - The financial &amp; personal costs of caring for a loved one.]]>
                </title>
                                <description>
                                            <![CDATA[Who is going to take care of your loved one as they age and can&#039;t care for themselves? Will you send them to a nursing facility? Will you personally care for them in your home? What is the cost in dollars and emotions? Join Dan Wendol and his special guest Linda Burhans, a care giver expert, as they share stories and tips from experiences on the costs of caring for their aging parents.]]>
                                    </description>
                <pubDate>Sat, 16 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1812</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191116-73140-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Who is going to take care of your loved one as they age and can&#039;t care for themselves? Will you send them to a nursing facility? Will you personally care for them in your home? What is the cost in dollars and emotions? Join Dan Wendol and his special guest Linda Burhans, a care giver expert, as they share stories and tips from experiences on the costs of caring for their aging parents.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Who is going to take care of your loved one as they age and can&#039;t care for themselves? Will you send them to a nursing facility? Will you personally care for them in your home? What is the cost in dollars and emotions? Join Dan Wendol and his special guest Linda Burhans, a care giver expert, as they share stories and tips from experiences on the costs of caring for their aging parents.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2020 Health Insurance Changes]]>
                </title>
                                <description>
                                            <![CDATA[Open enrollment is here for health insurance plans in 2020. Whether you are on Medicare or Affordable Care Act plan (ACA), now is the time to plan for 2020. In this episode we will discuss the changes coming to the Tampa Bay area health insurance markets. Be sure to listen to hear Dan&#039;s tip about how a couple can potentially save $18,000 per year!]]>
                                    </description>
                <pubDate>Sat, 09 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1800</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191109-73139-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Open enrollment is here for health insurance plans in 2020. Whether you are on Medicare or Affordable Care Act plan (ACA), now is the time to plan for 2020. In this episode we will discuss the changes coming to the Tampa Bay area health insurance markets. Be sure to listen to hear Dan&#039;s tip about how a couple can potentially save $18,000 per year!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 09 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Open enrollment is here for health insurance plans in 2020. Whether you are on Medicare or Affordable Care Act plan (ACA), now is the time to plan for 2020. In this episode we will discuss the changes coming to the Tampa Bay area health insurance markets. Be sure to listen to hear Dan&#039;s tip about how a couple can potentially save $18,000 per year!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Sunk Cost Fallacy &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[When you dwell on past effort/money/time spent on something rather than the future value of that thing, you might be falling victim to the Sunk Cost Fallacy. For example - do you stay to finish watching a movie if you know within the first 10 minutes it is absolutely terrible? In this show we explore the Sunk Cost Fallacy and some common situations where it may impact your retirement.]]>
                                    </description>
                <pubDate>Sat, 02 Nov 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1785</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191102-73138-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When you dwell on past effort/money/time spent on something rather than the future value of that thing, you might be falling victim to the Sunk Cost Fallacy. For example - do you stay to finish watching a movie if you know within the first 10 minutes it is absolutely terrible? In this show we explore the Sunk Cost Fallacy and some common situations where it may impact your retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 02 Nov 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When you dwell on past effort/money/time spent on something rather than the future value of that thing, you might be falling victim to the Sunk Cost Fallacy. For example - do you stay to finish watching a movie if you know within the first 10 minutes it is absolutely terrible? In this show we explore the Sunk Cost Fallacy and some common situations where it may impact your retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Cost of Living Adjustments in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Recently the Social Security Cost of Living Adjustment (COLA) was announced for 2020. In this show we discuss the COLA increase and its impact on retirees. We also touch upon the effects of inflation on retirement and some tips on dealing with inflation and/or a COLA that never seems to be enough.]]>
                                    </description>
                <pubDate>Sat, 26 Oct 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1772</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191026-73137-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Recently the Social Security Cost of Living Adjustment (COLA) was announced for 2020. In this show we discuss the COLA increase and its impact on retirees. We also touch upon the effects of inflation on retirement and some tips on dealing with inflation and/or a COLA that never seems to be enough.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 26 Oct 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Recently the Social Security Cost of Living Adjustment (COLA) was announced for 2020. In this show we discuss the COLA increase and its impact on retirees. We also touch upon the effects of inflation on retirement and some tips on dealing with inflation and/or a COLA that never seems to be enough.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Politics, Finance &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[This show is about money and politics. Lately politics is a very emotional topic and emotions do not mix very well with investing. However, this show doesn&#039;t focus on the politic drama surrounding our President, but instead shines the spotlight on certain financial issues this country faces. Special guest, Matt Becker, is running for US congress to represent most of the people in Pinellas County, FL. In keeping with the theme of this podcast, we will discuss retirement and financial topics. Let&#039;s get a local business and political leader&#039;s take on politics and finance!]]>
                                    </description>
                <pubDate>Sat, 19 Oct 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1762</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191019-73136-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This show is about money and politics. Lately politics is a very emotional topic and emotions do not mix very well with investing. However, this show doesn&#039;t focus on the politic drama surrounding our President, but instead shines the spotlight on certain financial issues this country faces. Special guest, Matt Becker, is running for US congress to represent most of the people in Pinellas County, FL. In keeping with the theme of this podcast, we will discuss retirement and financial topics. Let&#039;s get a local business and political leader&#039;s take on politics and finance!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 19 Oct 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This show is about money and politics. Lately politics is a very emotional topic and emotions do not mix very well with investing. However, this show doesn&#039;t focus on the politic drama surrounding our President, but instead shines the spotlight on certain financial issues this country faces. Special guest, Matt Becker, is running for US congress to represent most of the people in Pinellas County, FL. In keeping with the theme of this podcast, we will discuss retirement and financial topics. Let&#039;s get a local business and political leader&#039;s take on politics and finance!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retire Early To Live Longer?]]>
                </title>
                                <description>
                                            <![CDATA[Does retiring early lead to a longer life? If you wait too long to retire, will you die sooner? In this episode Dan and Tony address an sensational headline that has been making its way around social media again- Retire at 55 and live to 80; work to until 65 and die at 67. Is this a game changer or fake news?]]>
                                    </description>
                <pubDate>Sat, 12 Oct 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1744</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191012-73135-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Does retiring early lead to a longer life? If you wait too long to retire, will you die sooner? In this episode Dan and Tony address an sensational headline that has been making its way around social media again- Retire at 55 and live to 80; work to until 65 and die at 67. Is this a game changer or fake news?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 12 Oct 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Does retiring early lead to a longer life? If you wait too long to retire, will you die sooner? In this episode Dan and Tony address an sensational headline that has been making its way around social media again- Retire at 55 and live to 80; work to until 65 and die at 67. Is this a game changer or fake news?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Oktoberfest Money, Stats, &amp; Fun Facts]]>
                </title>
                                <description>
                                            <![CDATA[Taking a break from our usual retirement chat, in this episode we discuss Oktoberfest. We talk about some interesting facts about the festival in Germany and in the U.S. We even share a few tips on saving some money during this massive celebration. Prost!]]>
                                    </description>
                <pubDate>Sat, 05 Oct 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1730</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/191005-73134-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Taking a break from our usual retirement chat, in this episode we discuss Oktoberfest. We talk about some interesting facts about the festival in Germany and in the U.S. We even share a few tips on saving some money during this massive celebration. Prost!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 05 Oct 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Taking a break from our usual retirement chat, in this episode we discuss Oktoberfest. We talk about some interesting facts about the festival in Germany and in the U.S. We even share a few tips on saving some money during this massive celebration. Prost!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirees Going Back To College?]]>
                </title>
                                <description>
                                            <![CDATA[We know that it is never too late to learn something new, but what about moving back onto a college campus at age 65? There is quite a lot of higher education opportunities for the 55 and older crowd. In this show we explore the why and how of retirees going back to school.]]>
                                    </description>
                <pubDate>Sat, 28 Sep 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1714</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190928-73133-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We know that it is never too late to learn something new, but what about moving back onto a college campus at age 65? There is quite a lot of higher education opportunities for the 55 and older crowd. In this show we explore the why and how of retirees going back to school.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 28 Sep 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We know that it is never too late to learn something new, but what about moving back onto a college campus at age 65? There is quite a lot of higher education opportunities for the 55 and older crowd. In this show we explore the why and how of retirees going back to school.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Cracked Pot Retirement]]>
                </title>
                                <description>
                                            <![CDATA[What retirement planning lesson can be learned from the old story about the woman carrying water with a cracked pot? 
Tune in this week as we use an old tale to discuss the topic of building your retirement income over time.]]>
                                    </description>
                <pubDate>Sat, 21 Sep 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1698</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190921-73132-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What retirement planning lesson can be learned from the old story about the woman carrying water with a cracked pot? 
Tune in this week as we use an old tale to discuss the topic of building your retirement income over time.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 21 Sep 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What retirement planning lesson can be learned from the old story about the woman carrying water with a cracked pot? 
Tune in this week as we use an old tale to discuss the topic of building your retirement income over time.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security: Marriage, Divorce, &amp; Death Benefits]]>
                </title>
                                <description>
                                            <![CDATA[What happens to my Social Security when: I lose my spouse? I get divorced? My ex-spouse dies? I get remarried? How much will I get? Can I claim against an ex-spouse? We will answer all of these questions and more in this special Social Security podcast focused on common questions. If you are dealing with the loss of a spouse due to death or divorce, you don&#039;t want to miss this episode.]]>
                                    </description>
                <pubDate>Sat, 14 Sep 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1686</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190914-73131-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What happens to my Social Security when: I lose my spouse? I get divorced? My ex-spouse dies? I get remarried? How much will I get? Can I claim against an ex-spouse? We will answer all of these questions and more in this special Social Security podcast focused on common questions. If you are dealing with the loss of a spouse due to death or divorce, you don&#039;t want to miss this episode.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 14 Sep 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What happens to my Social Security when: I lose my spouse? I get divorced? My ex-spouse dies? I get remarried? How much will I get? Can I claim against an ex-spouse? We will answer all of these questions and more in this special Social Security podcast focused on common questions. If you are dealing with the loss of a spouse due to death or divorce, you don&#039;t want to miss this episode.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement &amp; Low Interest Rates]]>
                </title>
                                <description>
                                            <![CDATA[We&#039;ve been in a low interest rate environment for a long while. CDs rates have been low and the Federal Reserve just lowered the benchmark rate recently. So what are those looking for retirement income to do? We&#039;ll talk about how to deal with these low rates if you are planning to retire any time soon.]]>
                                    </description>
                <pubDate>Sat, 07 Sep 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1673</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190907-73130-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We&#039;ve been in a low interest rate environment for a long while. CDs rates have been low and the Federal Reserve just lowered the benchmark rate recently. So what are those looking for retirement income to do? We&#039;ll talk about how to deal with these low rates if you are planning to retire any time soon.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 07 Sep 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We&#039;ve been in a low interest rate environment for a long while. CDs rates have been low and the Federal Reserve just lowered the benchmark rate recently. So what are those looking for retirement income to do? We&#039;ll talk about how to deal with these low rates if you are planning to retire any time soon.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top Cities To Retire Early Includes Tampa?]]>
                </title>
                                <description>
                                            <![CDATA[If you planned to retire early (by age 40), which cities would be best to live in? In this show we discuss a recent article which listed &quot;The 6 U.S. Cities Where You Can Retire By Age 40.&quot; Spoiler Alert - it&#039;s much more difficult than it sounds.]]>
                                    </description>
                <pubDate>Sat, 31 Aug 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1659</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190831-73129-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[If you planned to retire early (by age 40), which cities would be best to live in? In this show we discuss a recent article which listed &quot;The 6 U.S. Cities Where You Can Retire By Age 40.&quot; Spoiler Alert - it&#039;s much more difficult than it sounds.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 31 Aug 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[If you planned to retire early (by age 40), which cities would be best to live in? In this show we discuss a recent article which listed &quot;The 6 U.S. Cities Where You Can Retire By Age 40.&quot; Spoiler Alert - it&#039;s much more difficult than it sounds.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Top 5 Retirement Decisions]]>
                </title>
                                <description>
                                            <![CDATA[There are decisions that need to be made as you approach retirement. These decisions can make or break retirement dreams. Many of the decisions will revolve around topics you never had to deal with before. It will be new, it can be scary, but you don&#039;t need to go in unprepared. In this show we talk about the important decisions that must be made around retirement. SPECIAL GUEST: Richard Lange of Paramount Financial Advisors in Fort Myers.]]>
                                    </description>
                <pubDate>Sat, 24 Aug 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1642</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190824-73127-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are decisions that need to be made as you approach retirement. These decisions can make or break retirement dreams. Many of the decisions will revolve around topics you never had to deal with before. It will be new, it can be scary, but you don&#039;t need to go in unprepared. In this show we talk about the important decisions that must be made around retirement. SPECIAL GUEST: Richard Lange of Paramount Financial Advisors in Fort Myers.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 24 Aug 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are decisions that need to be made as you approach retirement. These decisions can make or break retirement dreams. Many of the decisions will revolve around topics you never had to deal with before. It will be new, it can be scary, but you don&#039;t need to go in unprepared. In this show we talk about the important decisions that must be made around retirement. SPECIAL GUEST: Richard Lange of Paramount Financial Advisors in Fort Myers.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spend more EARLY in retirement]]>
                </title>
                                <description>
                                            <![CDATA[Do retirees spend more as they age? Do expenses go up in a straight line with inflation? The answer is no. In reality, many retirees actually spend much more early in retirement. In today&#039;s show we talk about the reality of early spending in retirement and how it can be done without running out of money. We&#039;ll address the battle many new retirees face - Fear of running out of money vs. Fear of missing out on life.]]>
                                    </description>
                <pubDate>Sat, 17 Aug 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1629</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190817-73126-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do retirees spend more as they age? Do expenses go up in a straight line with inflation? The answer is no. In reality, many retirees actually spend much more early in retirement. In today&#039;s show we talk about the reality of early spending in retirement and how it can be done without running out of money. We&#039;ll address the battle many new retirees face - Fear of running out of money vs. Fear of missing out on life.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 Aug 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do retirees spend more as they age? Do expenses go up in a straight line with inflation? The answer is no. In reality, many retirees actually spend much more early in retirement. In today&#039;s show we talk about the reality of early spending in retirement and how it can be done without running out of money. We&#039;ll address the battle many new retirees face - Fear of running out of money vs. Fear of missing out on life.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Much Money Do You Need To Retire?]]>
                </title>
                                <description>
                                            <![CDATA[Can I retire with $1 million in savings? Do I need $2 million? Is $5 million the number to reach? In this show, we will answer this common question. How much do you need saved for retirement? How much is enough?]]>
                                    </description>
                <pubDate>Sat, 10 Aug 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1615</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190810-73125-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Can I retire with $1 million in savings? Do I need $2 million? Is $5 million the number to reach? In this show, we will answer this common question. How much do you need saved for retirement? How much is enough?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 Aug 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Can I retire with $1 million in savings? Do I need $2 million? Is $5 million the number to reach? In this show, we will answer this common question. How much do you need saved for retirement? How much is enough?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Needy Family Can Destroy Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Part 3 of 3: Needy Family Members 
In Part Two of this three part series, we explore how family members can actually become one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is really &quot;close to home.&quot; When an aging parent or an adult child comes to you in a time of need, it is natural to want to help. But what if helping results in a financial drain which collapses your own retirement? Can you say no to family request for financial support? In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement. 
For more on this and other podcasts: https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php]]>
                                    </description>
                <pubDate>Sat, 03 Aug 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1602</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190803-73124-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Part 3 of 3: Needy Family Members 
In Part Two of this three part series, we explore how family members can actually become one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is really &quot;close to home.&quot; When an aging parent or an adult child comes to you in a time of need, it is natural to want to help. But what if helping results in a financial drain which collapses your own retirement? Can you say no to family request for financial support? In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement. 
For more on this and other podcasts: https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 03 Aug 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Part 3 of 3: Needy Family Members 
In Part Two of this three part series, we explore how family members can actually become one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is really &quot;close to home.&quot; When an aging parent or an adult child comes to you in a time of need, it is natural to want to help. But what if helping results in a financial drain which collapses your own retirement? Can you say no to family request for financial support? In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement. 
For more on this and other podcasts: https://www.dolphinfinancialgroup.com/financial-talk-radio-clearwater-tampa-florida.php]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Part 2 of 3: Negative Health Events]]>
                </title>
                                <description>
                                            <![CDATA[Health Care Costs Destroy Retirement Plans - &quot;Everybody&#039;s got a plan until they get punched in the mouth.&quot; - Mike Tyson 
In Part Two of this three part series, we explore how a negative health event is one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is something no one wants to deal with, plan for, or even talk about. The costs are extremely high for a major health problem, a chronic condition, or the need for professional nursing care. Any retirement income plan must factor in these potential expenses. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </description>
                <pubDate>Sat, 27 Jul 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1588</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190727-73123-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Health Care Costs Destroy Retirement Plans - &quot;Everybody&#039;s got a plan until they get punched in the mouth.&quot; - Mike Tyson 
In Part Two of this three part series, we explore how a negative health event is one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is something no one wants to deal with, plan for, or even talk about. The costs are extremely high for a major health problem, a chronic condition, or the need for professional nursing care. Any retirement income plan must factor in these potential expenses. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Jul 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Health Care Costs Destroy Retirement Plans - &quot;Everybody&#039;s got a plan until they get punched in the mouth.&quot; - Mike Tyson 
In Part Two of this three part series, we explore how a negative health event is one of the top threats to a successful retirement plan. This &quot;punch to the mouth&quot; is something no one wants to deal with, plan for, or even talk about. The costs are extremely high for a major health problem, a chronic condition, or the need for professional nursing care. Any retirement income plan must factor in these potential expenses. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Biggest Retirement Threats Part 1 of 3: Market Crashes]]>
                </title>
                                <description>
                                            <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </description>
                <pubDate>Sat, 20 Jul 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1577</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190720-73122-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Jul 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In Part One of this three part series, we explore how market crashes are one of the top threats to a successful retirement plan. In each part of this series, we will identify the retirement planning threat, provide examples, and offer solutions. This first &quot;punch to the mouth&quot; is perhaps the most widely known and easiest to prevent. Tune in to learn how to dodge the punches that come your way in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirees Are Overconfident With Financial Decisions]]>
                </title>
                                <description>
                                            <![CDATA[Do we make worse financial decisions as we get older? Does knowledge of basic financial concepts decline after age 60? The short answer is &quot;yes.&quot; In today&#039;s show we will review the results of a study on this issue and explore what people can do about their decline in financial literacy.]]>
                                    </description>
                <pubDate>Sat, 13 Jul 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1559</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/N190713-73121-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Do we make worse financial decisions as we get older? Does knowledge of basic financial concepts decline after age 60? The short answer is &quot;yes.&quot; In today&#039;s show we will review the results of a study on this issue and explore what people can do about their decline in financial literacy.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Jul 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Do we make worse financial decisions as we get older? Does knowledge of basic financial concepts decline after age 60? The short answer is &quot;yes.&quot; In today&#039;s show we will review the results of a study on this issue and explore what people can do about their decline in financial literacy.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Paying Debts With Retirement Funds]]>
                </title>
                                <description>
                                            <![CDATA[Should you use your 401k or IRA money to pay off your debts? Many financial advisers will say &quot;no way!&quot; But, perhaps it isn&#039;t a bad solution after all. In this show we discuss the situations in which raiding your retirement funds to pay down your debts makes sense. If you are struggling with debt and want to know what to do, listen in to hear our take.]]>
                                    </description>
                <pubDate>Sat, 06 Jul 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1549</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/1907069-73120-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Should you use your 401k or IRA money to pay off your debts? Many financial advisers will say &quot;no way!&quot; But, perhaps it isn&#039;t a bad solution after all. In this show we discuss the situations in which raiding your retirement funds to pay down your debts makes sense. If you are struggling with debt and want to know what to do, listen in to hear our take.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Jul 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Should you use your 401k or IRA money to pay off your debts? Many financial advisers will say &quot;no way!&quot; But, perhaps it isn&#039;t a bad solution after all. In this show we discuss the situations in which raiding your retirement funds to pay down your debts makes sense. If you are struggling with debt and want to know what to do, listen in to hear our take.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Healthcare Costs How Much?!]]>
                </title>
                                <description>
                                            <![CDATA[Everyone knows that healthcare is expensive. But exact pricing still tends to be a mystery, at least up until the point where you get the bill in the mail. Recently President Trump issued an executive order aimed at increasing the transparency of healthcare pricing. Beyond a price list on a hospital website, it seems the President is trying to pull back the curtain on the private deals between hospitals and insurance companies. In today&#039;s show we will talk about whether this executive order will help consumers like you and me. To illustrate what&#039;s at stake, we are going to analyze my recent healthcare bills. In addition, we are going to play a game in which Tony tries to guess the cost of the healthcare services I just used. Spoiler alert - the costs are going to seem outrageous.]]>
                                    </description>
                <pubDate>Sat, 29 Jun 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1535</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190629-73119-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Everyone knows that healthcare is expensive. But exact pricing still tends to be a mystery, at least up until the point where you get the bill in the mail. Recently President Trump issued an executive order aimed at increasing the transparency of healthcare pricing. Beyond a price list on a hospital website, it seems the President is trying to pull back the curtain on the private deals between hospitals and insurance companies. In today&#039;s show we will talk about whether this executive order will help consumers like you and me. To illustrate what&#039;s at stake, we are going to analyze my recent healthcare bills. In addition, we are going to play a game in which Tony tries to guess the cost of the healthcare services I just used. Spoiler alert - the costs are going to seem outrageous.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 29 Jun 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Everyone knows that healthcare is expensive. But exact pricing still tends to be a mystery, at least up until the point where you get the bill in the mail. Recently President Trump issued an executive order aimed at increasing the transparency of healthcare pricing. Beyond a price list on a hospital website, it seems the President is trying to pull back the curtain on the private deals between hospitals and insurance companies. In today&#039;s show we will talk about whether this executive order will help consumers like you and me. To illustrate what&#039;s at stake, we are going to analyze my recent healthcare bills. In addition, we are going to play a game in which Tony tries to guess the cost of the healthcare services I just used. Spoiler alert - the costs are going to seem outrageous.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Stress During Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Successful retirement is about increasing income and decreasing stress. Are retirees stressed? What stresses will those entering retirement face? In this episode we discuss the new and challenging stresses that retirement brings about. We&#039;ll talk about not only financial stress, but also about the stress brought about by health issues, social changes, and the experience of retiring itself. What&#039;s the best way to reduce your stress as you begin retirement? Tune in to find out.]]>
                                    </description>
                <pubDate>Sat, 22 Jun 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1521</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190622-73118-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Successful retirement is about increasing income and decreasing stress. Are retirees stressed? What stresses will those entering retirement face? In this episode we discuss the new and challenging stresses that retirement brings about. We&#039;ll talk about not only financial stress, but also about the stress brought about by health issues, social changes, and the experience of retiring itself. What&#039;s the best way to reduce your stress as you begin retirement? Tune in to find out.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 22 Jun 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Successful retirement is about increasing income and decreasing stress. Are retirees stressed? What stresses will those entering retirement face? In this episode we discuss the new and challenging stresses that retirement brings about. We&#039;ll talk about not only financial stress, but also about the stress brought about by health issues, social changes, and the experience of retiring itself. What&#039;s the best way to reduce your stress as you begin retirement? Tune in to find out.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Working in Retirement - Is That An Oxymoron?]]>
                </title>
                                <description>
                                            <![CDATA[More and more people are working in retirement. Is that what they want? Is that what you want? Do you have to? Is there any way to avoid it? In this episode Dan explores this topic and goes over why this is important to you and how planning can help.]]>
                                    </description>
                <pubDate>Sat, 15 Jun 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1505</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190615-73117-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[More and more people are working in retirement. Is that what they want? Is that what you want? Do you have to? Is there any way to avoid it? In this episode Dan explores this topic and goes over why this is important to you and how planning can help.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 15 Jun 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[More and more people are working in retirement. Is that what they want? Is that what you want? Do you have to? Is there any way to avoid it? In this episode Dan explores this topic and goes over why this is important to you and how planning can help.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are 401(k)s Better Than Pensions?]]>
                </title>
                                <description>
                                            <![CDATA[Which is better - a 401(k) plan or a Pension plan? As the traditional pension plans (defined benefit) have quickly been replaced by the 401(k) plans (defined contribution), we have seen more people struggling with retirement. Could it be that pensions are actually better than 401(k) plans? Is the guaranteed income from a pension a better option than the flexibility of a lump sum from a 401(k)? Join us as we discuss these option in detail and determine which is better - perhaps the answer is both should be used!?]]>
                                    </description>
                <pubDate>Sat, 08 Jun 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1485</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190608-73116-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Which is better - a 401(k) plan or a Pension plan? As the traditional pension plans (defined benefit) have quickly been replaced by the 401(k) plans (defined contribution), we have seen more people struggling with retirement. Could it be that pensions are actually better than 401(k) plans? Is the guaranteed income from a pension a better option than the flexibility of a lump sum from a 401(k)? Join us as we discuss these option in detail and determine which is better - perhaps the answer is both should be used!?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 08 Jun 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Which is better - a 401(k) plan or a Pension plan? As the traditional pension plans (defined benefit) have quickly been replaced by the 401(k) plans (defined contribution), we have seen more people struggling with retirement. Could it be that pensions are actually better than 401(k) plans? Is the guaranteed income from a pension a better option than the flexibility of a lump sum from a 401(k)? Join us as we discuss these option in detail and determine which is better - perhaps the answer is both should be used!?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sell In May &amp; Go Away]]>
                </title>
                                <description>
                                            <![CDATA[&quot;Sell in May and go away&quot; - this is the old adage about the stock market. Does it make sense? The historical numbers suggest that the market returns during November through April drastically outperform the returns between May and October. Does this mean you should adapt the strategy of selling your stocks in May and buying them back on Halloween? Tune in to find out!]]>
                                    </description>
                <pubDate>Sat, 01 Jun 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1468</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190601-73115-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[&quot;Sell in May and go away&quot; - this is the old adage about the stock market. Does it make sense? The historical numbers suggest that the market returns during November through April drastically outperform the returns between May and October. Does this mean you should adapt the strategy of selling your stocks in May and buying them back on Halloween? Tune in to find out!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 01 Jun 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[&quot;Sell in May and go away&quot; - this is the old adage about the stock market. Does it make sense? The historical numbers suggest that the market returns during November through April drastically outperform the returns between May and October. Does this mean you should adapt the strategy of selling your stocks in May and buying them back on Halloween? Tune in to find out!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Will Boomers Crash The Stock Market?]]>
                </title>
                                <description>
                                            <![CDATA[The Baby Boomers are at the age where a huge wave are retiring each day. As this continues, it begs the question - what will happen to their assets? Will Boomers follow the the trend which suggest moving out of the stock market as you get older? Will this mean more are selling their stocks each day to raise spending money? Will this large demographic push the US Stock market into a recession? Join us as we explore the validity of this theory and what you can do about it.]]>
                                    </description>
                <pubDate>Sat, 25 May 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1452</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190525-73114-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The Baby Boomers are at the age where a huge wave are retiring each day. As this continues, it begs the question - what will happen to their assets? Will Boomers follow the the trend which suggest moving out of the stock market as you get older? Will this mean more are selling their stocks each day to raise spending money? Will this large demographic push the US Stock market into a recession? Join us as we explore the validity of this theory and what you can do about it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 25 May 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The Baby Boomers are at the age where a huge wave are retiring each day. As this continues, it begs the question - what will happen to their assets? Will Boomers follow the the trend which suggest moving out of the stock market as you get older? Will this mean more are selling their stocks each day to raise spending money? Will this large demographic push the US Stock market into a recession? Join us as we explore the validity of this theory and what you can do about it.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Who Wants A Stock Market Crash?]]>
                </title>
                                <description>
                                            <![CDATA[Stock market corrections and crashes are a natural part of the investing process. However, what about the people who actually hope for such volatility and downside? In this show we explore the types of people who want to see the stock market go down. We will discuss the motivation and strategies people have for cheering market corrections. Is hoping for a market correction a bad thing or a good thing?]]>
                                    </description>
                <pubDate>Sat, 18 May 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1436</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190518-73113-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Stock market corrections and crashes are a natural part of the investing process. However, what about the people who actually hope for such volatility and downside? In this show we explore the types of people who want to see the stock market go down. We will discuss the motivation and strategies people have for cheering market corrections. Is hoping for a market correction a bad thing or a good thing?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 18 May 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Stock market corrections and crashes are a natural part of the investing process. However, what about the people who actually hope for such volatility and downside? In this show we explore the types of people who want to see the stock market go down. We will discuss the motivation and strategies people have for cheering market corrections. Is hoping for a market correction a bad thing or a good thing?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Songs about Money, Finances, &amp; Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Time for some fun! Have you ever learned a financial lesson from a song you heard on the radio? Well, tune in as we listen to some classic songs and discuss the important financial lessons embedded in the songs.

We&#039;ll cover songs by:
The Rolling Stones
Dire Straits
The Beatles
ABBA
Pink Floyd
Ludacris
and others....

So bring your dance shoes, paper, and pencil for an exciting episode of Dolphin Financial Radio]]>
                                    </description>
                <pubDate>Sat, 11 May 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1431</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190511-73112-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Time for some fun! Have you ever learned a financial lesson from a song you heard on the radio? Well, tune in as we listen to some classic songs and discuss the important financial lessons embedded in the songs.

We&#039;ll cover songs by:
The Rolling Stones
Dire Straits
The Beatles
ABBA
Pink Floyd
Ludacris
and others....

So bring your dance shoes, paper, and pencil for an exciting episode of Dolphin Financial Radio]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 11 May 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Time for some fun! Have you ever learned a financial lesson from a song you heard on the radio? Well, tune in as we listen to some classic songs and discuss the important financial lessons embedded in the songs.

We&#039;ll cover songs by:
The Rolling Stones
Dire Straits
The Beatles
ABBA
Pink Floyd
Ludacris
and others....

So bring your dance shoes, paper, and pencil for an exciting episode of Dolphin Financial Radio]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security &amp; Medicare Bankrupt?!]]>
                </title>
                                <description>
                                            <![CDATA[According to the 2019 annual report from the board of trustees overseeing Social Security, under current assumptions, the reserves will be depleted in 2034. What is happening? How can we fix this? What should you do about your Social Security strategy? Listen in!]]>
                                    </description>
                <pubDate>Sat, 04 May 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1404</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190505-73111-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[According to the 2019 annual report from the board of trustees overseeing Social Security, under current assumptions, the reserves will be depleted in 2034. What is happening? How can we fix this? What should you do about your Social Security strategy? Listen in!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 04 May 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[According to the 2019 annual report from the board of trustees overseeing Social Security, under current assumptions, the reserves will be depleted in 2034. What is happening? How can we fix this? What should you do about your Social Security strategy? Listen in!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lotto Winner Sues Son]]>
                </title>
                                <description>
                                            <![CDATA[That&#039;s quite the headline. We&#039;ve talked about the money troubles of lottery winners before, but this one is current and it&#039;s a doozy of a story. Dan looks at what happened and the financial lessons that we can learn to help improve our own financial lives and retirement savings.]]>
                                    </description>
                <pubDate>Sat, 27 Apr 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1389</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190428-73110-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[That&#039;s quite the headline. We&#039;ve talked about the money troubles of lottery winners before, but this one is current and it&#039;s a doozy of a story. Dan looks at what happened and the financial lessons that we can learn to help improve our own financial lives and retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 27 Apr 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[That&#039;s quite the headline. We&#039;ve talked about the money troubles of lottery winners before, but this one is current and it&#039;s a doozy of a story. Dan looks at what happened and the financial lessons that we can learn to help improve our own financial lives and retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are Federal Workers Overpaid?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we discuss the Congressional Budget Office finding that federal employees have a 17% higher wage/benefit package than their private sector counterparts.]]>
                                    </description>
                <pubDate>Sat, 20 Apr 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1371</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190421-73109-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we discuss the Congressional Budget Office finding that federal employees have a 17% higher wage/benefit package than their private sector counterparts.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 20 Apr 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we discuss the Congressional Budget Office finding that federal employees have a 17% higher wage/benefit package than their private sector counterparts.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Money with Intermittent Fasting]]>
                </title>
                                <description>
                                            <![CDATA[The health benefits of intermittent fasting are pushing more people to adapt this lifestyle.  Besides the health benefits, are there any financial benefits? In this episode we discuss how intermittent fasting can improve your financial well-being in several ways.]]>
                                    </description>
                <pubDate>Sat, 13 Apr 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1359</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190414-73108-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The health benefits of intermittent fasting are pushing more people to adapt this lifestyle.  Besides the health benefits, are there any financial benefits? In this episode we discuss how intermittent fasting can improve your financial well-being in several ways.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 13 Apr 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The health benefits of intermittent fasting are pushing more people to adapt this lifestyle.  Besides the health benefits, are there any financial benefits? In this episode we discuss how intermittent fasting can improve your financial well-being in several ways.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Money &amp; Marriage]]>
                </title>
                                <description>
                                            <![CDATA[Money is a leading cause of divorce. In this show we discuss the ways money might impact a marriage or relationship and explore tips on how to communicate with a spouse about money.]]>
                                    </description>
                <pubDate>Sat, 06 Apr 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1345</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190407-73107-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Money is a leading cause of divorce. In this show we discuss the ways money might impact a marriage or relationship and explore tips on how to communicate with a spouse about money.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 06 Apr 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Money is a leading cause of divorce. In this show we discuss the ways money might impact a marriage or relationship and explore tips on how to communicate with a spouse about money.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why Are Tax Refunds Lower?]]>
                </title>
                                <description>
                                            <![CDATA[Tax refunds are down this year. Does that mean the Trump tax law changes are hurting Americans? Is getting a refund a good thing? We explore the details of what is happening this first year of tax returns under the new rules.]]>
                                    </description>
                <pubDate>Thu, 28 Mar 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1329</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190331-73106-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Tax refunds are down this year. Does that mean the Trump tax law changes are hurting Americans? Is getting a refund a good thing? We explore the details of what is happening this first year of tax returns under the new rules.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Mar 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Tax refunds are down this year. Does that mean the Trump tax law changes are hurting Americans? Is getting a refund a good thing? We explore the details of what is happening this first year of tax returns under the new rules.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retiring to Florida]]>
                </title>
                                <description>
                                            <![CDATA[To say Florida is a popular place to retire is an understatement. What do you need to know about retirement in Florida? It &#039;s not just about pink flamingos on the lawn! Whether you live here now or are planning on moving to Florida, you&#039;ll want to listen to this episode for some tips, strategies and important information to make your retirement and relocation a success.]]>
                                    </description>
                <pubDate>Thu, 21 Mar 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1312</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190324-73105-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[To say Florida is a popular place to retire is an understatement. What do you need to know about retirement in Florida? It &#039;s not just about pink flamingos on the lawn! Whether you live here now or are planning on moving to Florida, you&#039;ll want to listen to this episode for some tips, strategies and important information to make your retirement and relocation a success.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Mar 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[To say Florida is a popular place to retire is an understatement. What do you need to know about retirement in Florida? It &#039;s not just about pink flamingos on the lawn! Whether you live here now or are planning on moving to Florida, you&#039;ll want to listen to this episode for some tips, strategies and important information to make your retirement and relocation a success.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Skyrocketing Price of Long Term Care]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Dan talks about the LTC crises in America, and the costs of long term care insurance. He also discusses your options to plan or cover these costs.]]>
                                    </description>
                <pubDate>Sat, 16 Mar 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1304</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190317-73104-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Dan talks about the LTC crises in America, and the costs of long term care insurance. He also discusses your options to plan or cover these costs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 16 Mar 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Dan talks about the LTC crises in America, and the costs of long term care insurance. He also discusses your options to plan or cover these costs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Nursing Home vs. Hotel or Cruise]]>
                </title>
                                <description>
                                            <![CDATA[There&#039;s a popular social media story about a man who posted his plans for living at a Hotel instead of senior living and nursing homes. Dan talks about the feasibility of this concept and even living on a cruise ship instead of paying the high cost of retirement homes. We also talk about other out of the box ideas and strategies for retirement.]]>
                                    </description>
                <pubDate>Thu, 07 Mar 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1276</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190310-73103-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There&#039;s a popular social media story about a man who posted his plans for living at a Hotel instead of senior living and nursing homes. Dan talks about the feasibility of this concept and even living on a cruise ship instead of paying the high cost of retirement homes. We also talk about other out of the box ideas and strategies for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Mar 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There&#039;s a popular social media story about a man who posted his plans for living at a Hotel instead of senior living and nursing homes. Dan talks about the feasibility of this concept and even living on a cruise ship instead of paying the high cost of retirement homes. We also talk about other out of the box ideas and strategies for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Be Flexible In Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Retirement looks different for everyone and you also need to be prepared for it to change as you go. In this episode Dan explores things you can to to prepare for the punch that you are not expecting in retirement.]]>
                                    </description>
                <pubDate>Thu, 28 Feb 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1262</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190302-73102-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Retirement looks different for everyone and you also need to be prepared for it to change as you go. In this episode Dan explores things you can to to prepare for the punch that you are not expecting in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Feb 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Retirement looks different for everyone and you also need to be prepared for it to change as you go. In this episode Dan explores things you can to to prepare for the punch that you are not expecting in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Value of Outsourcing]]>
                </title>
                                <description>
                                            <![CDATA[We&#039;ve all heard the phrase &quot;time is money,&quot; and in this episode Dan talks about how to best use your time and resources.]]>
                                    </description>
                <pubDate>Thu, 21 Feb 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1247</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190223-73101-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We&#039;ve all heard the phrase &quot;time is money,&quot; and in this episode Dan talks about how to best use your time and resources.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Feb 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We&#039;ve all heard the phrase &quot;time is money,&quot; and in this episode Dan talks about how to best use your time and resources.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Millennials, the Financial Aspects]]>
                </title>
                                <description>
                                            <![CDATA[In this show Dan talks about Millennials, the stereotypes and their financial issues.]]>
                                    </description>
                <pubDate>Thu, 14 Feb 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1230</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190216-73100-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this show Dan talks about Millennials, the stereotypes and their financial issues.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 14 Feb 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this show Dan talks about Millennials, the stereotypes and their financial issues.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Debt in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Is debt in retirement bad? Is it best to retire with no debt or is there such a thing as good debt?]]>
                                    </description>
                <pubDate>Thu, 07 Feb 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1219</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190209-73099-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is debt in retirement bad? Is it best to retire with no debt or is there such a thing as good debt?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Feb 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is debt in retirement bad? Is it best to retire with no debt or is there such a thing as good debt?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Don&#039;t Have Kids if you Want to Retire Comfortably]]>
                </title>
                                <description>
                                            <![CDATA[Dan talks about the expense of children and how it can affect your retirement savings, and what to do to protect your retirement savings if you have children (he has 3 that he wouldn&#039;t give up for the world).]]>
                                    </description>
                <pubDate>Thu, 31 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1207</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190202-73098-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Dan talks about the expense of children and how it can affect your retirement savings, and what to do to protect your retirement savings if you have children (he has 3 that he wouldn&#039;t give up for the world).]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 31 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Dan talks about the expense of children and how it can affect your retirement savings, and what to do to protect your retirement savings if you have children (he has 3 that he wouldn&#039;t give up for the world).]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[RMD&#039;s - Must-Know Facts and Strategies]]>
                </title>
                                <description>
                                            <![CDATA[What does RMD stand for? How can it make or break your retirement? Dan talks about this and gives tips and strategies to help you to navigate the road of retirement income.]]>
                                    </description>
                <pubDate>Thu, 24 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1193</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190126-73096-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[What does RMD stand for? How can it make or break your retirement? Dan talks about this and gives tips and strategies to help you to navigate the road of retirement income.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[What does RMD stand for? How can it make or break your retirement? Dan talks about this and gives tips and strategies to help you to navigate the road of retirement income.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Leaving Las Vegas for Passive Investing]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Dan talks about going from risky to passive investing, going over some helpful tips from the late, great Jack Bogle of Vanguard.]]>
                                    </description>
                <pubDate>Thu, 17 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1182</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190119-73095-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Dan talks about going from risky to passive investing, going over some helpful tips from the late, great Jack Bogle of Vanguard.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 17 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Dan talks about going from risky to passive investing, going over some helpful tips from the late, great Jack Bogle of Vanguard.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Wall Street Casino]]>
                </title>
                                <description>
                                            <![CDATA[This show was recorded live in Las Vegas! We talk about the stock market, gambling and weather or not there is a difference, and what that means to you.]]>
                                    </description>
                <pubDate>Thu, 10 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1170</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190112-73094-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This show was recorded live in Las Vegas! We talk about the stock market, gambling and weather or not there is a difference, and what that means to you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 10 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This show was recorded live in Las Vegas! We talk about the stock market, gambling and weather or not there is a difference, and what that means to you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[2018&#039;s Top 5 - Review]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we count down our top 5 shows and topics of the past year.]]>
                                    </description>
                <pubDate>Thu, 03 Jan 2019 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1164</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/190105-73093-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we count down our top 5 shows and topics of the past year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 Jan 2019 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we count down our top 5 shows and topics of the past year.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance Alternatives]]>
                </title>
                                <description>
                                    </description>
                <pubDate>Thu, 27 Dec 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1158</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181229-73092-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Dec 2018 00:00:00 +0000</dc:date>

                
                            </item>
                    <item>
                <title>
                    <![CDATA[The Financials Behind Cord Cutting]]>
                </title>
                                <description>
                                            <![CDATA[Cord cutting is a popular phenomenon right now and Dan brings in a special guest to talk about canceling cable and what it means financially. Some price saving tips and more!]]>
                                    </description>
                <pubDate>Thu, 20 Dec 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1148</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181222-73091-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Cord cutting is a popular phenomenon right now and Dan brings in a special guest to talk about canceling cable and what it means financially. Some price saving tips and more!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Dec 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Cord cutting is a popular phenomenon right now and Dan brings in a special guest to talk about canceling cable and what it means financially. Some price saving tips and more!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your F.I.R.E.d]]>
                </title>
                                <description>
                                            <![CDATA[Is it possible to be too frugal? To save too much? In this episode Dan talks about retiring early and what some people go through to make it happen. We address the pros and cons of early retirement.]]>
                                    </description>
                <pubDate>Thu, 13 Dec 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1131</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181215-73090-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Is it possible to be too frugal? To save too much? In this episode Dan talks about retiring early and what some people go through to make it happen. We address the pros and cons of early retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 13 Dec 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Is it possible to be too frugal? To save too much? In this episode Dan talks about retiring early and what some people go through to make it happen. We address the pros and cons of early retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Year-End Tax Tips and Changes]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about what you need to know about the new tax laws and what&#039;s important for year-end tax planning.]]>
                                    </description>
                <pubDate>Thu, 06 Dec 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1116</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181208-73089-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about what you need to know about the new tax laws and what&#039;s important for year-end tax planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 Dec 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about what you need to know about the new tax laws and what&#039;s important for year-end tax planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Buy Used and Retire Early]]>
                </title>
                                <description>
                                            <![CDATA[Today Dan talks about how your car buying habits can change your retirement. Important tips and a great discussion that you won&#039;t want to miss!]]>
                                    </description>
                <pubDate>Thu, 29 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1100</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181129-73088-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Today Dan talks about how your car buying habits can change your retirement. Important tips and a great discussion that you won&#039;t want to miss!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 29 Nov 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Today Dan talks about how your car buying habits can change your retirement. Important tips and a great discussion that you won&#039;t want to miss!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Giving Thanks]]>
                </title>
                                <description>
                                            <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                                    </description>
                <pubDate>Thu, 22 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1091</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181122-73087-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 22 Nov 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This show is really about the cost of NOT giving thanks. Dan talks about gratitude and how it can positively affect you and your finances. Not just what you are thankful for, but what you are grateful for.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Short Term Investing]]>
                </title>
                                <description>
                                            <![CDATA[Most people invest in stocks and they invest for the long-haul, but what happens as you get older or run into situations where you need a much shorter time period? In this episode Dan talks about helpful suggestions and strategies for short-term investments.]]>
                                    </description>
                <pubDate>Thu, 15 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1076</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181115-73086-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Most people invest in stocks and they invest for the long-haul, but what happens as you get older or run into situations where you need a much shorter time period? In this episode Dan talks about helpful suggestions and strategies for short-term investments.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 15 Nov 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Most people invest in stocks and they invest for the long-haul, but what happens as you get older or run into situations where you need a much shorter time period? In this episode Dan talks about helpful suggestions and strategies for short-term investments.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[When You Don&#039;t Have Enough]]>
                </title>
                                <description>
                                            <![CDATA[How do you know you have enough to retire? Great question and in this episode we talk about solutions and options.]]>
                                    </description>
                <pubDate>Thu, 08 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1063</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181108-73085-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How do you know you have enough to retire? Great question and in this episode we talk about solutions and options.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 08 Nov 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How do you know you have enough to retire? Great question and in this episode we talk about solutions and options.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Health Insurance costs are going up. You need a strategy for regular insurance or Medicare to deal with all of the changes and rising costs. In this episode Dan goes over some strategies to help you deal with Health Care in Retirement.]]>
                                    </description>
                <pubDate>Thu, 01 Nov 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1048</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181101-73084-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Health Insurance costs are going up. You need a strategy for regular insurance or Medicare to deal with all of the changes and rising costs. In this episode Dan goes over some strategies to help you deal with Health Care in Retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 01 Nov 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Health Insurance costs are going up. You need a strategy for regular insurance or Medicare to deal with all of the changes and rising costs. In this episode Dan goes over some strategies to help you deal with Health Care in Retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Drink That Latte!]]>
                </title>
                                <description>
                                            <![CDATA[You&#039;ve probably heard financial advice telling you to save money by cutting back or eliminating those coffee runs... Dan has a different take and some helpful advice. Listen to this episode and keep drinking your Latte&#039;s.]]>
                                    </description>
                <pubDate>Thu, 25 Oct 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1035</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181025-73083-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[You&#039;ve probably heard financial advice telling you to save money by cutting back or eliminating those coffee runs... Dan has a different take and some helpful advice. Listen to this episode and keep drinking your Latte&#039;s.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 25 Oct 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[You&#039;ve probably heard financial advice telling you to save money by cutting back or eliminating those coffee runs... Dan has a different take and some helpful advice. Listen to this episode and keep drinking your Latte&#039;s.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Markets and What We Can Expect]]>
                </title>
                                <description>
                                            <![CDATA[Dan gets out the crystal ball...Just kidding! But we do talk about where we&#039;ve been and what the experts are saying.]]>
                                    </description>
                <pubDate>Thu, 18 Oct 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1020</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181018-73082-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Dan gets out the crystal ball...Just kidding! But we do talk about where we&#039;ve been and what the experts are saying.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 18 Oct 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Dan gets out the crystal ball...Just kidding! But we do talk about where we&#039;ve been and what the experts are saying.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Failing Life Insurance]]>
                </title>
                                <description>
                                            <![CDATA[The good, the bad and the ugly when it comes to life insurance. What you can do with your existing policy and other things you need to know are discussed on this weeks show.]]>
                                    </description>
                <pubDate>Thu, 11 Oct 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-1005</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181011-73081-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[The good, the bad and the ugly when it comes to life insurance. What you can do with your existing policy and other things you need to know are discussed on this weeks show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 11 Oct 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[The good, the bad and the ugly when it comes to life insurance. What you can do with your existing policy and other things you need to know are discussed on this weeks show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why Advisors Avoid Bitcoin]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Dan tackles the hot and controversial topic of Bitcoin and crypto-currencies.]]>
                                    </description>
                <pubDate>Thu, 04 Oct 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-991</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/181004-73080-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Dan tackles the hot and controversial topic of Bitcoin and crypto-currencies.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 04 Oct 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Dan tackles the hot and controversial topic of Bitcoin and crypto-currencies.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Should YOU Hate Annuities?]]>
                </title>
                                <description>
                                            <![CDATA[Are annuities good or bad? You hear a lot of extreme views on this topic and Dan Wendol takes a look at the facts and what you need to know about Annuities.]]>
                                    </description>
                <pubDate>Thu, 27 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-974</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180927-73079-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Are annuities good or bad? You hear a lot of extreme views on this topic and Dan Wendol takes a look at the facts and what you need to know about Annuities.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 27 Sep 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Are annuities good or bad? You hear a lot of extreme views on this topic and Dan Wendol takes a look at the facts and what you need to know about Annuities.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Number 1 Financial Tool]]>
                </title>
                                <description>
                                            <![CDATA[There are many strategies and a whole lot of advice out there about how to manage and grow your finances. What is the most popular? What is the biggest? Is it right for you? Dan Wendol digs into this topic on todays show to help you navigate these financial waters.]]>
                                    </description>
                <pubDate>Thu, 20 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-956</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180920-73078-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[There are many strategies and a whole lot of advice out there about how to manage and grow your finances. What is the most popular? What is the biggest? Is it right for you? Dan Wendol digs into this topic on todays show to help you navigate these financial waters.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 20 Sep 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[There are many strategies and a whole lot of advice out there about how to manage and grow your finances. What is the most popular? What is the biggest? Is it right for you? Dan Wendol digs into this topic on todays show to help you navigate these financial waters.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Only a Million Dollars?]]>
                </title>
                                <description>
                                            <![CDATA[On the TV talent show America&#039;s Got Talent they say the winner gets 1 million dollars. That&#039;s impressive! But wait! Dan Wendol read the fine print and show disclaimers and has some interesting information. Is it really a million dollars? How far will that go? Listen in to this weeks show to find out more!]]>
                                    </description>
                <pubDate>Thu, 13 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-943</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180913-73077-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On the TV talent show America&#039;s Got Talent they say the winner gets 1 million dollars. That&#039;s impressive! But wait! Dan Wendol read the fine print and show disclaimers and has some interesting information. Is it really a million dollars? How far will that go? Listen in to this weeks show to find out more!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 13 Sep 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On the TV talent show America&#039;s Got Talent they say the winner gets 1 million dollars. That&#039;s impressive! But wait! Dan Wendol read the fine print and show disclaimers and has some interesting information. Is it really a million dollars? How far will that go? Listen in to this weeks show to find out more!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Timing the Market]]>
                </title>
                                <description>
                                            <![CDATA[They say you can&#039;t time the market...Who are &quot;they&quot; and are they correct? Dan Wendol has an answer that may surprise you! Listen to this episode to find out more.]]>
                                    </description>
                <pubDate>Thu, 06 Sep 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-930</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180906-73076-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[They say you can&#039;t time the market...Who are &quot;they&quot; and are they correct? Dan Wendol has an answer that may surprise you! Listen to this episode to find out more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 06 Sep 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[They say you can&#039;t time the market...Who are &quot;they&quot; and are they correct? Dan Wendol has an answer that may surprise you! Listen to this episode to find out more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Insurance Changes]]>
                </title>
                                <description>
                                            <![CDATA[Things are changing fast in the world of health care. Health insurance and costs have been a big problem. In this episode Dan talks about ways to help you stay on top of it and keep costs down.]]>
                                    </description>
                <pubDate>Thu, 30 Aug 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-917</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180830-73075-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Things are changing fast in the world of health care. Health insurance and costs have been a big problem. In this episode Dan talks about ways to help you stay on top of it and keep costs down.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 30 Aug 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Things are changing fast in the world of health care. Health insurance and costs have been a big problem. In this episode Dan talks about ways to help you stay on top of it and keep costs down.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What is Fortnite?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode we talk about the addictive pop culture phenomena Fortnite. This video game is everywhere played by almost everyone between the ages of 7 and 21. But what does it mean to you? Should you be concerned?  Dan talks about what is going on.]]>
                                    </description>
                <pubDate>Thu, 23 Aug 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-901</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180823-73074-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode we talk about the addictive pop culture phenomena Fortnite. This video game is everywhere played by almost everyone between the ages of 7 and 21. But what does it mean to you? Should you be concerned?  Dan talks about what is going on.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 23 Aug 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode we talk about the addictive pop culture phenomena Fortnite. This video game is everywhere played by almost everyone between the ages of 7 and 21. But what does it mean to you? Should you be concerned?  Dan talks about what is going on.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Lump Sum vs Pension]]>
                </title>
                                <description>
                                            <![CDATA[Where are your retirement funds coming from? More and more people are having to make important life-changing decisions about their retirement funds. In this show Dan breaks down what you need to do to make the right decision...take the buyout or take the retirement pension. A lot of personal factors will determine what is best for you.]]>
                                    </description>
                <pubDate>Thu, 16 Aug 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-887</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180816-73073-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Where are your retirement funds coming from? More and more people are having to make important life-changing decisions about their retirement funds. In this show Dan breaks down what you need to do to make the right decision...take the buyout or take the retirement pension. A lot of personal factors will determine what is best for you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 16 Aug 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Where are your retirement funds coming from? More and more people are having to make important life-changing decisions about their retirement funds. In this show Dan breaks down what you need to do to make the right decision...take the buyout or take the retirement pension. A lot of personal factors will determine what is best for you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is Long Term Care Insurance Worth It?]]>
                </title>
                                <description>
                                            <![CDATA[How will you cover long-term care and major health needs in retirement? Is Long-Term Care insurance worth it? Dan digs into this topic and talks about the issues and the options available to you that you may not know about.]]>
                                    </description>
                <pubDate>Thu, 02 Aug 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-866</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180809-73072-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How will you cover long-term care and major health needs in retirement? Is Long-Term Care insurance worth it? Dan digs into this topic and talks about the issues and the options available to you that you may not know about.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 02 Aug 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How will you cover long-term care and major health needs in retirement? Is Long-Term Care insurance worth it? Dan digs into this topic and talks about the issues and the options available to you that you may not know about.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Should Delay Social Security]]>
                </title>
                                <description>
                                            <![CDATA[On the last episode Dan  talked about why we should take Social Security early, now he&#039;s  saying we should delay? Listen in to find out what he&#039;s talking about.]]>
                                    </description>
                <pubDate>Thu, 26 Jul 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-854</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180726-73071-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On the last episode Dan  talked about why we should take Social Security early, now he&#039;s  saying we should delay? Listen in to find out what he&#039;s talking about.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Jul 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On the last episode Dan  talked about why we should take Social Security early, now he&#039;s  saying we should delay? Listen in to find out what he&#039;s talking about.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Should Take Social Security Early]]>
                </title>
                                <description>
                                            <![CDATA[When should you take Social Security? In this show Dan talks about the reasons you may want to take it earlier rather than later and goes over the pros and cons.]]>
                                    </description>
                <pubDate>Thu, 19 Jul 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-840</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180719-73070-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[When should you take Social Security? In this show Dan talks about the reasons you may want to take it earlier rather than later and goes over the pros and cons.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Jul 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[When should you take Social Security? In this show Dan talks about the reasons you may want to take it earlier rather than later and goes over the pros and cons.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Advice from the Founding Fathers]]>
                </title>
                                <description>
                                            <![CDATA[Speaking of Independence Day... Our founding fathers had some great things to say about finances. There are many lessons to be learned and of course host Dan Wendol tells us all about them and how to apply these lessons to help our own financial situations!]]>
                                    </description>
                <pubDate>Thu, 05 Jul 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-811</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180705-73069-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Speaking of Independence Day... Our founding fathers had some great things to say about finances. There are many lessons to be learned and of course host Dan Wendol tells us all about them and how to apply these lessons to help our own financial situations!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 05 Jul 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Speaking of Independence Day... Our founding fathers had some great things to say about finances. There are many lessons to be learned and of course host Dan Wendol tells us all about them and how to apply these lessons to help our own financial situations!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Over 50?  Now what?]]>
                </title>
                                <description>
                                    </description>
                <pubDate>Thu, 28 Jun 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-799</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180628-73068-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 28 Jun 2018 00:00:00 +0000</dc:date>

                
                            </item>
                    <item>
                <title>
                    <![CDATA[Top Retirement Tips of 2018 (so far)]]>
                </title>
                                <description>
                                            <![CDATA[Dan and Tony discuss  the top tips they have covered in previous shows in 2018. Topics included those such as what is a fiduciary, social security tips, the new tax laws that went into effect, and much more.]]>
                                    </description>
                <pubDate>Thu, 21 Jun 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-788</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180621-73067-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Dan and Tony discuss  the top tips they have covered in previous shows in 2018. Topics included those such as what is a fiduciary, social security tips, the new tax laws that went into effect, and much more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 21 Jun 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Dan and Tony discuss  the top tips they have covered in previous shows in 2018. Topics included those such as what is a fiduciary, social security tips, the new tax laws that went into effect, and much more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirees Need More Risk?]]>
                </title>
                                <description>
                                            <![CDATA[Wait a minute! That can&#039;t be right...Retirees need MORE risk? You have to listen to this episode to find out why this is so important for you to understand.]]>
                                    </description>
                <pubDate>Thu, 07 Jun 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-762</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180607-73066-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Wait a minute! That can&#039;t be right...Retirees need MORE risk? You have to listen to this episode to find out why this is so important for you to understand.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 07 Jun 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Wait a minute! That can&#039;t be right...Retirees need MORE risk? You have to listen to this episode to find out why this is so important for you to understand.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why Do Investors Underperform?]]>
                </title>
                                <description>
                                            <![CDATA[How is it that the S&amp;P outperforms investors? In this show Dan talks about why you may be underperforming as an investor and has a number of helpful tips]]>
                                    </description>
                <pubDate>Thu, 31 May 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-748</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180531-73065-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How is it that the S&amp;P outperforms investors? In this show Dan talks about why you may be underperforming as an investor and has a number of helpful tips]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 31 May 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How is it that the S&amp;P outperforms investors? In this show Dan talks about why you may be underperforming as an investor and has a number of helpful tips]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Retirement&#039;s Silent Killer]]>
                </title>
                                <description>
                                            <![CDATA[How can you protect your saving and investments from inflation? Dan talks about strategies to do just that on this episode.]]>
                                    </description>
                <pubDate>Thu, 24 May 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-736</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180524-73064-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[How can you protect your saving and investments from inflation? Dan talks about strategies to do just that on this episode.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 24 May 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[How can you protect your saving and investments from inflation? Dan talks about strategies to do just that on this episode.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Jeopardy]]>
                </title>
                                <description>
                                            <![CDATA[Listen in and have some fun as Dan asks Tony some trivia questions relating to finances and learn some things that can help you!]]>
                                    </description>
                <pubDate>Thu, 03 May 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-692</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180503-73061-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Listen in and have some fun as Dan asks Tony some trivia questions relating to finances and learn some things that can help you!]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 03 May 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Listen in and have some fun as Dan asks Tony some trivia questions relating to finances and learn some things that can help you!]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Here&#039;s To Your Longevity]]>
                </title>
                                <description>
                                            <![CDATA[People are living longer and longer. That&#039;s a good thing, right? However, it means you&#039;ll need better retirement planning and more savings to make it last through your retirement. Dan talks about how to deal with this on this week&#039;s show.]]>
                                    </description>
                <pubDate>Thu, 26 Apr 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-677</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180426-73060-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[People are living longer and longer. That&#039;s a good thing, right? However, it means you&#039;ll need better retirement planning and more savings to make it last through your retirement. Dan talks about how to deal with this on this week&#039;s show.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 26 Apr 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[People are living longer and longer. That&#039;s a good thing, right? However, it means you&#039;ll need better retirement planning and more savings to make it last through your retirement. Dan talks about how to deal with this on this week&#039;s show.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[American Horror Story: Health Insurance]]>
                </title>
                                <description>
                                            <![CDATA[Listen in as Dan shares his own personal horror story of health care cost and health insurance, and find out how to avoid making mistakes that can cost you.]]>
                                    </description>
                <pubDate>Thu, 19 Apr 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-665</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180419-73059-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Listen in as Dan shares his own personal horror story of health care cost and health insurance, and find out how to avoid making mistakes that can cost you.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 19 Apr 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Listen in as Dan shares his own personal horror story of health care cost and health insurance, and find out how to avoid making mistakes that can cost you.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Saving Your Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Why are people falling behind with retirement savings? Dan talks about why and what you can do about it.]]>
                                    </description>
                <pubDate>Thu, 12 Apr 2018 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-651</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/180412-73058-Wendol.mp3"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Daniel Wendol]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Why are people falling behind with retirement savings? Dan talks about why and what you can do about it.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Daniel Wendol</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Thu, 12 Apr 2018 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Why are people falling behind with retirement savings? Dan talks about why and what you can do about it.]]>
                    </content:encoded>
                            </item>
            </channel>
</rss>
