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    <channel>
        <title>
            <![CDATA[Your Safe Money Show]]>
        </title>
        <link>https://yoursafemoneyshow.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.]]>
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            <title>
                <![CDATA[Your Safe Money Show]]>
            </title>
            <link>https://yoursafemoneyshow.com/</link>
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        <language>en-us</language>
        
        
        <lastBuildDate>Thu, 28 May 2026 08:56:47 +0000</lastBuildDate>

        
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                    <itunes:author>
                <![CDATA[Todd Sjoberg]]>
            </itunes:author>
                <itunes:owner>
            <itunes:name>
                <![CDATA[Todd Sjoberg]]>
            </itunes:name>
            <itunes:email>radio@lusonmedia.com</itunes:email>
        </itunes:owner>
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        <itunes:category text="Business" />
        <itunes:explicit>no</itunes:explicit>

        
        <dc:creator>
            <![CDATA[Todd Sjoberg]]>
        </dc:creator>

                    <item>
                <title>
                    <![CDATA[Financial Mistakes that will make your kids hate you]]>
                </title>
                                <description>
                                            <![CDATA[Leaving your children a financial mess is one of the fastest ways to strain your legacy and their future. This episode breaks down the critical estate, tax, and communication blunders parents make that inadvertently leave behind a mountain of paperwork, hidden debt, and family conflict. Tune in to learn how to protect your assets—and your relationships—with proactive, transparent planning.]]>
                                    </description>
                <pubDate>Sat, 23 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10460</guid>

                
                
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                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Leaving your children a financial mess is one of the fastest ways to strain your legacy and their future. This episode breaks down the critical estate, tax, and communication blunders parents make that inadvertently leave behind a mountain of paperwork, hidden debt, and family conflict. Tune in to learn how to protect your assets—and your relationships—with proactive, transparent planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Leaving your children a financial mess is one of the fastest ways to strain your legacy and their future. This episode breaks down the critical estate, tax, and communication blunders parents make that inadvertently leave behind a mountain of paperwork, hidden debt, and family conflict. Tune in to learn how to protect your assets—and your relationships—with proactive, transparent planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Life Insurance Truths]]>
                </title>
                                <description>
                                            <![CDATA[Uncover the reality behind common myths as we break down the complex world of premiums, policies, and payouts. This episode explores whether whole life or term coverage truly serves your long-term goals and helps you identify the &quot;fine print&quot; most agents skip. Tune in to learn how to strategically integrate life insurance into your financial plan without overpaying for protection you don&#039;t need.]]>
                                    </description>
                <pubDate>Sat, 16 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10421</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/zXPFvew5jmsnd1CyNu9OqAYI64ZKo7PebvphnYj5.mp3"  length="43284634"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Uncover the reality behind common myths as we break down the complex world of premiums, policies, and payouts. This episode explores whether whole life or term coverage truly serves your long-term goals and helps you identify the &quot;fine print&quot; most agents skip. Tune in to learn how to strategically integrate life insurance into your financial plan without overpaying for protection you don&#039;t need.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[Uncover the reality behind common myths as we break down the complex world of premiums, policies, and payouts. This episode explores whether whole life or term coverage truly serves your long-term goals and helps you identify the &quot;fine print&quot; most agents skip. Tune in to learn how to strategically integrate life insurance into your financial plan without overpaying for protection you don&#039;t need.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[12 Things You Need to Know Before and After You Retire]]>
                </title>
                                <description>
                                            <![CDATA[This essential checklist covers everything from the optimal time to claim Social Security to the often-overlooked tax implications of RMDs and Roth conversions. Learn how to strategically coordinate your portfolio, healthcare, and legacy plan to ensure a secure and confident transition into retirement.]]>
                                    </description>
                <pubDate>Sat, 09 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9219</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/tSOTKyUOPija9bRrew4Ov1g3TY4hZuFcUlhhNGiP.mp3"  length="43247884"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This essential checklist covers everything from the optimal time to claim Social Security to the often-overlooked tax implications of RMDs and Roth conversions. Learn how to strategically coordinate your portfolio, healthcare, and legacy plan to ensure a secure and confident transition into retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

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

                
                                    <content:encoded>
                        <![CDATA[This essential checklist covers everything from the optimal time to claim Social Security to the often-overlooked tax implications of RMDs and Roth conversions. Learn how to strategically coordinate your portfolio, healthcare, and legacy plan to ensure a secure and confident transition into retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Not Me! Scams and Fraud!]]>
                </title>
                                <description>
                                            <![CDATA[In this episode of Your Safe Money Show, we break down the most common scams and fraud tactics targeting everyday investors—and why so many people think “it won’t happen to me” until it does. You’ll learn how these schemes actually work, the red flags to watch for, and the psychological tricks scammers use to create urgency and trust. Walk away with practical steps you can take right now to protect your finances and stay one step ahead.]]>
                                    </description>
                <pubDate>Sun, 03 May 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10270</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/PKM70UA8FZTUN6sfpsfvtxMy5pHdqZ5L9wjPhLPa.mp3"  length="43283654"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode of Your Safe Money Show, we break down the most common scams and fraud tactics targeting everyday investors—and why so many people think “it won’t happen to me” until it does. You’ll learn how these schemes actually work, the red flags to watch for, and the psychological tricks scammers use to create urgency and trust. Walk away with practical steps you can take right now to protect your finances and stay one step ahead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 May 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode of Your Safe Money Show, we break down the most common scams and fraud tactics targeting everyday investors—and why so many people think “it won’t happen to me” until it does. You’ll learn how these schemes actually work, the red flags to watch for, and the psychological tricks scammers use to create urgency and trust. Walk away with practical steps you can take right now to protect your finances and stay one step ahead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Guilt-Free Retirement Plan: How to Spend Your Savings Without Fear]]>
                </title>
                                <description>
                                            <![CDATA[Many retirees struggle with the &quot;spending gap,&quot; fearing that enjoying their hard-earned savings today will lead to a shortfall tomorrow. This episode breaks down the psychological and mathematical strategies needed to transition from a lifelong saving mindset to a confident spending phase. Learn how to create a structured withdrawal plan that protects your future while finally allowing you to enjoy the fruits of your labor guilt-free.]]>
                                    </description>
                <pubDate>Sun, 26 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10230</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/xPKxCq6OqnH2NanhSIqh7Kd7R4QSUp01cOqFqe7U.mp3"  length="43282676"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many retirees struggle with the &quot;spending gap,&quot; fearing that enjoying their hard-earned savings today will lead to a shortfall tomorrow. This episode breaks down the psychological and mathematical strategies needed to transition from a lifelong saving mindset to a confident spending phase. Learn how to create a structured withdrawal plan that protects your future while finally allowing you to enjoy the fruits of your labor guilt-free.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 26 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many retirees struggle with the &quot;spending gap,&quot; fearing that enjoying their hard-earned savings today will lead to a shortfall tomorrow. This episode breaks down the psychological and mathematical strategies needed to transition from a lifelong saving mindset to a confident spending phase. Learn how to create a structured withdrawal plan that protects your future while finally allowing you to enjoy the fruits of your labor guilt-free.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spousal Safety Net]]>
                </title>
                                <description>
                                            <![CDATA[Navigating retirement as a couple requires more than just doubling your savings; it demands a coordinated strategy to maximize your shared lifetime income. This episode explores the critical &quot;Spousal Safety Net&quot; and how timing your Social Security claims can protect the long-term financial health of both partners. We also dive into the nuances of survivor benefits and shared investment strategies to ensure neither spouse is left vulnerable in the years ahead.]]>
                                    </description>
                <pubDate>Sun, 19 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10190</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YWd7WMflXv2U9bI8Sc4dpAjREw3KTGhqpiCPL2f2.mp3"  length="43281696"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating retirement as a couple requires more than just doubling your savings; it demands a coordinated strategy to maximize your shared lifetime income. This episode explores the critical &quot;Spousal Safety Net&quot; and how timing your Social Security claims can protect the long-term financial health of both partners. We also dive into the nuances of survivor benefits and shared investment strategies to ensure neither spouse is left vulnerable in the years ahead.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating retirement as a couple requires more than just doubling your savings; it demands a coordinated strategy to maximize your shared lifetime income. This episode explores the critical &quot;Spousal Safety Net&quot; and how timing your Social Security claims can protect the long-term financial health of both partners. We also dive into the nuances of survivor benefits and shared investment strategies to ensure neither spouse is left vulnerable in the years ahead.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[To Roth or Not to Roth – Which is better?]]>
                </title>
                                <description>
                                            <![CDATA[In this episode Todd goes over the pros and cons of Roth IRA&#039;s.]]>
                                    </description>
                <pubDate>Sun, 12 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10136</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/SGM02uXJVtSsOPdNvPKhTcN0G2Bt2Q1btpwGm1Aa.mp3"  length="43280224"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode Todd goes over the pros and cons of Roth IRA&#039;s.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 12 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode Todd goes over the pros and cons of Roth IRA&#039;s.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[YOUR FINAL CHAPTER: The Gift of Planning]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we explore the profound peace of mind that comes from organizing your estate and final wishes long before they are needed. We break down the essential documents every adult should have, shifting the conversation from a source of dread to a meaningful act of love for your survivors. Join us as we discuss how proactive planning serves as a final gift that protects your legacy and spares your family from difficult decisions during times of grief.]]>
                                    </description>
                <pubDate>Sun, 05 Apr 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10095</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/HYd89ztSO7N4rGeYIyhEISDGnItCxBWLsYaekb86.mp3"  length="43278264"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we explore the profound peace of mind that comes from organizing your estate and final wishes long before they are needed. We break down the essential documents every adult should have, shifting the conversation from a source of dread to a meaningful act of love for your survivors. Join us as we discuss how proactive planning serves as a final gift that protects your legacy and spares your family from difficult decisions during times of grief.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 05 Apr 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we explore the profound peace of mind that comes from organizing your estate and final wishes long before they are needed. We break down the essential documents every adult should have, shifting the conversation from a source of dread to a meaningful act of love for your survivors. Join us as we discuss how proactive planning serves as a final gift that protects your legacy and spares your family from difficult decisions during times of grief.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Retirement Safety Net]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we break down the &quot;Sequence of Returns&quot; risk and explain why the timing of your retirement can be just as important as the size of your nest egg. We share practical strategies for building a cash buffer to protect your portfolio from sudden market downturns during your first few years of freedom. Tune in to learn how to insulate your lifestyle against volatility so you can spend with confidence, regardless of what the ticker tape says.]]>
                                    </description>
                <pubDate>Sun, 29 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10071</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/uMqhEkSgt0hnB6HD9Y1zxYl2h9SUiSVhQyfAjSqG.mp3"  length="43276304"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we break down the &quot;Sequence of Returns&quot; risk and explain why the timing of your retirement can be just as important as the size of your nest egg. We share practical strategies for building a cash buffer to protect your portfolio from sudden market downturns during your first few years of freedom. Tune in to learn how to insulate your lifestyle against volatility so you can spend with confidence, regardless of what the ticker tape says.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we break down the &quot;Sequence of Returns&quot; risk and explain why the timing of your retirement can be just as important as the size of your nest egg. We share practical strategies for building a cash buffer to protect your portfolio from sudden market downturns during your first few years of freedom. Tune in to learn how to insulate your lifestyle against volatility so you can spend with confidence, regardless of what the ticker tape says.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The New Golden Age, Welcoming the Change! – Part 2]]>
                </title>
                                <description>
                                            <![CDATA[In this follow-up episode, we dive deeper into the shifting global markets to identify which emerging sectors are truly poised to lead the next economic era. We break down actionable strategies for diversifying your portfolio against inflation while embracing the technological disruptions that many traditional investors are still overlooking. Join us as we explore how to turn today’s rapid financial transitions into your greatest long-term wealth-building opportunity.]]>
                                    </description>
                <pubDate>Sun, 22 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-10031</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3J7lsCK6ixqjuFMo9zrwpqQ7bsQlJfFmFgM2TscC.mp3"  length="43275324"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this follow-up episode, we dive deeper into the shifting global markets to identify which emerging sectors are truly poised to lead the next economic era. We break down actionable strategies for diversifying your portfolio against inflation while embracing the technological disruptions that many traditional investors are still overlooking. Join us as we explore how to turn today’s rapid financial transitions into your greatest long-term wealth-building opportunity.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this follow-up episode, we dive deeper into the shifting global markets to identify which emerging sectors are truly poised to lead the next economic era. We break down actionable strategies for diversifying your portfolio against inflation while embracing the technological disruptions that many traditional investors are still overlooking. Join us as we explore how to turn today’s rapid financial transitions into your greatest long-term wealth-building opportunity.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The New Golden Age, Welcoming the Change!]]>
                </title>
                                <description>
                                            <![CDATA[As the global economy shifts toward a decentralized future, we explore how traditional wealth strategies are being rewritten for a digital-first world. This episode breaks down the core pillars of &quot;The New Golden Age,&quot; offering actionable advice on how to pivot your portfolio to benefit from emerging market trends. Join us as we embrace the inevitable transition from old-school finance to a more inclusive, tech-driven era of prosperity.]]>
                                    </description>
                <pubDate>Sun, 15 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9988</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3GeJt93LAbuvwoAs0ctLJfNEOzI8QvmWpAzDycMY.mp3"  length="43272874"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[As the global economy shifts toward a decentralized future, we explore how traditional wealth strategies are being rewritten for a digital-first world. This episode breaks down the core pillars of &quot;The New Golden Age,&quot; offering actionable advice on how to pivot your portfolio to benefit from emerging market trends. Join us as we embrace the inevitable transition from old-school finance to a more inclusive, tech-driven era of prosperity.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[As the global economy shifts toward a decentralized future, we explore how traditional wealth strategies are being rewritten for a digital-first world. This episode breaks down the core pillars of &quot;The New Golden Age,&quot; offering actionable advice on how to pivot your portfolio to benefit from emerging market trends. Join us as we embrace the inevitable transition from old-school finance to a more inclusive, tech-driven era of prosperity.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 10 Year Sprint: From Panic to Plan]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we tackle the &quot;mid-career crisis&quot; by transforming the overwhelming fear of being behind into a tactical, ten-year roadmap. We break down how to optimize your peak earning years through aggressive catch-up contributions and strategic lifestyle adjustments without sacrificing your current quality of life. Tune in to learn why it is never too late to pivot from panic to a position of power and financial clarity.]]>
                                    </description>
                <pubDate>Sun, 08 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9951</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/GiTFp7Q46pN57NGM6AhvFou2wKk21gyQn2O3qnOW.mp3"  length="43271894"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we tackle the &quot;mid-career crisis&quot; by transforming the overwhelming fear of being behind into a tactical, ten-year roadmap. We break down how to optimize your peak earning years through aggressive catch-up contributions and strategic lifestyle adjustments without sacrificing your current quality of life. Tune in to learn why it is never too late to pivot from panic to a position of power and financial clarity.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we tackle the &quot;mid-career crisis&quot; by transforming the overwhelming fear of being behind into a tactical, ten-year roadmap. We break down how to optimize your peak earning years through aggressive catch-up contributions and strategic lifestyle adjustments without sacrificing your current quality of life. Tune in to learn why it is never too late to pivot from panic to a position of power and financial clarity.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Tax Trail from State to State]]>
                </title>
                                <description>
                                            <![CDATA[We sit down to break down which states are the most aggressive in claiming your income, even if you never set foot in their jurisdiction. We provide a practical checklist for digital nomads to document their physical presence and shield their hard-earned money from multi-state audits.]]>
                                    </description>
                <pubDate>Sun, 01 Mar 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9903</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/Hob6p1BtPoVuLzJ3mpxvqtj7tNKDv148iYUDhXZn.mp3"  length="43270914"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We sit down to break down which states are the most aggressive in claiming your income, even if you never set foot in their jurisdiction. We provide a practical checklist for digital nomads to document their physical presence and shield their hard-earned money from multi-state audits.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Mar 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We sit down to break down which states are the most aggressive in claiming your income, even if you never set foot in their jurisdiction. We provide a practical checklist for digital nomads to document their physical presence and shield their hard-earned money from multi-state audits.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[You Can&#039;t Take It with You (But You Can Make It Difficult)]]>
                </title>
                                <description>
                                            <![CDATA[This week, we explore the chaotic world of &quot;creative&quot; inheritance by sharing cautionary tales of beneficiaries who had to complete bizarre tasks to claim their keep. We break down the fine line between establishing a meaningful legacy and inadvertently reaching out from the grave to micromanage your family&#039;s every move. Tune in to learn how to structure your estate so your loved ones remember your life, rather than resenting your legal paperwork.]]>
                                    </description>
                <pubDate>Sun, 22 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9864</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/0D7malG4tvf34XVAzRjkXvSU3xhJilh0tq457j7K.mp3"  length="43269934"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This week, we explore the chaotic world of &quot;creative&quot; inheritance by sharing cautionary tales of beneficiaries who had to complete bizarre tasks to claim their keep. We break down the fine line between establishing a meaningful legacy and inadvertently reaching out from the grave to micromanage your family&#039;s every move. Tune in to learn how to structure your estate so your loved ones remember your life, rather than resenting your legal paperwork.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This week, we explore the chaotic world of &quot;creative&quot; inheritance by sharing cautionary tales of beneficiaries who had to complete bizarre tasks to claim their keep. We break down the fine line between establishing a meaningful legacy and inadvertently reaching out from the grave to micromanage your family&#039;s every move. Tune in to learn how to structure your estate so your loved ones remember your life, rather than resenting your legal paperwork.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Longevity Paradox: Women, Wealth, and the Years Ahead]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we dive into the &quot;longevity risk&quot; and why women must approach retirement planning differently than men to account for a longer life expectancy. We explore practical strategies for bridging the wealth gap, ensuring your portfolio remains resilient against inflation over several decades. Join us as we discuss how to transform the challenge of living longer into an empowered opportunity for financial independence and legacy building.]]>
                                    </description>
                <pubDate>Sun, 15 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9801</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/qn2tPg8wdjmZ7wHe8gMDoYnfICALZQd25QThJtbz.mp3"  length="43267484"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we dive into the &quot;longevity risk&quot; and why women must approach retirement planning differently than men to account for a longer life expectancy. We explore practical strategies for bridging the wealth gap, ensuring your portfolio remains resilient against inflation over several decades. Join us as we discuss how to transform the challenge of living longer into an empowered opportunity for financial independence and legacy building.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we dive into the &quot;longevity risk&quot; and why women must approach retirement planning differently than men to account for a longer life expectancy. We explore practical strategies for bridging the wealth gap, ensuring your portfolio remains resilient against inflation over several decades. Join us as we discuss how to transform the challenge of living longer into an empowered opportunity for financial independence and legacy building.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Five Pillars: Your Blueprint for a Stress-Free 2026 Retirement]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we tackle the critical transition from saving to spending to ensure your 2026 retirement starts on solid ground. We break down our signature Five Pillars framework, offering a clear strategy to optimize your taxes, secure your healthcare, and shield your lifestyle from market volatility. Join us to turn those lingering financial &quot;what-ifs&quot; into a concrete blueprint that replaces retirement anxiety with genuine peace of mind.]]>
                                    </description>
                <pubDate>Sun, 08 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9746</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/AcysVyJDUXO2dPtt3hW0WVg3FuoExY1l1XSjOYOE.mp3"  length="43264544"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we tackle the critical transition from saving to spending to ensure your 2026 retirement starts on solid ground. We break down our signature Five Pillars framework, offering a clear strategy to optimize your taxes, secure your healthcare, and shield your lifestyle from market volatility. Join us to turn those lingering financial &quot;what-ifs&quot; into a concrete blueprint that replaces retirement anxiety with genuine peace of mind.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we tackle the critical transition from saving to spending to ensure your 2026 retirement starts on solid ground. We break down our signature Five Pillars framework, offering a clear strategy to optimize your taxes, secure your healthcare, and shield your lifestyle from market volatility. Join us to turn those lingering financial &quot;what-ifs&quot; into a concrete blueprint that replaces retirement anxiety with genuine peace of mind.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Minnesota Isn’t So Bad After All]]>
                </title>
                                <description>
                                            <![CDATA[While the rest of the country fixates on &quot;frozen tundra&quot; stereotypes and high tax brackets, we’re crunching the numbers to show why the Bold North is actually a hidden powerhouse for building long-term wealth. In this episode, we break down how Minnesota’s high density of Fortune 500 companies and relatively stable housing market offer a &quot;middle-class luxury&quot; that coastal hubs simply can’t match. Tune in to discover why staying put in the Gopher State might just be the smartest, most contrarian investment move you ever make.]]>
                                    </description>
                <pubDate>Sun, 01 Feb 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9712</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/JP95k9ybGCKp1QxiZ7kWQEmSF3GvnKx4apJzdTR9.mp3"  length="43263564"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[While the rest of the country fixates on &quot;frozen tundra&quot; stereotypes and high tax brackets, we’re crunching the numbers to show why the Bold North is actually a hidden powerhouse for building long-term wealth. In this episode, we break down how Minnesota’s high density of Fortune 500 companies and relatively stable housing market offer a &quot;middle-class luxury&quot; that coastal hubs simply can’t match. Tune in to discover why staying put in the Gopher State might just be the smartest, most contrarian investment move you ever make.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Feb 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[While the rest of the country fixates on &quot;frozen tundra&quot; stereotypes and high tax brackets, we’re crunching the numbers to show why the Bold North is actually a hidden powerhouse for building long-term wealth. In this episode, we break down how Minnesota’s high density of Fortune 500 companies and relatively stable housing market offer a &quot;middle-class luxury&quot; that coastal hubs simply can’t match. Tune in to discover why staying put in the Gopher State might just be the smartest, most contrarian investment move you ever make.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2026 Retirement Roadmap]]>
                </title>
                                <description>
                                            <![CDATA[This episode kicks off the new year by outlining the essential milestones and regulatory updates for your 2026 retirement strategy. We dive into the latest IRS contribution limits and tax law adjustments that could significantly impact your savings potential over the next twelve months. Whether you are decades away from the finish line or just months from retiring, this roadmap provides the actionable steps needed to keep your financial future on track in this year&#039;s economic landscape.]]>
                                    </description>
                <pubDate>Sun, 25 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9660</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/LyvKc8TIFA8HVCK6LHmfyFyOVzf8s4jmMwBWyDYz.mp3"  length="43262094"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode kicks off the new year by outlining the essential milestones and regulatory updates for your 2026 retirement strategy. We dive into the latest IRS contribution limits and tax law adjustments that could significantly impact your savings potential over the next twelve months. Whether you are decades away from the finish line or just months from retiring, this roadmap provides the actionable steps needed to keep your financial future on track in this year&#039;s economic landscape.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 25 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode kicks off the new year by outlining the essential milestones and regulatory updates for your 2026 retirement strategy. We dive into the latest IRS contribution limits and tax law adjustments that could significantly impact your savings potential over the next twelve months. Whether you are decades away from the finish line or just months from retiring, this roadmap provides the actionable steps needed to keep your financial future on track in this year&#039;s economic landscape.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The 2026 Retirement Reality Check]]>
                </title>
                                <description>
                                            <![CDATA[As we step into 2026, this episode provides a necessary reality check on how the current economic landscape has shifted the goalposts for a secure retirement. We break down the latest tax law updates and the lingering effects of 2025&#039;s market volatility to help you determine if your &quot;retirement number&quot; is still truly on track. Join us as we provide actionable steps to shore up your strategy and ensure your financial vision remains resilient against the unique challenges of the mid-2020s.]]>
                                    </description>
                <pubDate>Sun, 11 Jan 2026 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9594</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/4dMF76FGp88biqj5hb7K42PISZt3luKbzmCXSq5e.mp3"  length="43260624"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[As we step into 2026, this episode provides a necessary reality check on how the current economic landscape has shifted the goalposts for a secure retirement. We break down the latest tax law updates and the lingering effects of 2025&#039;s market volatility to help you determine if your &quot;retirement number&quot; is still truly on track. Join us as we provide actionable steps to shore up your strategy and ensure your financial vision remains resilient against the unique challenges of the mid-2020s.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 11 Jan 2026 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[As we step into 2026, this episode provides a necessary reality check on how the current economic landscape has shifted the goalposts for a secure retirement. We break down the latest tax law updates and the lingering effects of 2025&#039;s market volatility to help you determine if your &quot;retirement number&quot; is still truly on track. Join us as we provide actionable steps to shore up your strategy and ensure your financial vision remains resilient against the unique challenges of the mid-2020s.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Year-End Checklist]]>
                </title>
                                <description>
                                            <![CDATA[In this episode, we walk through the essential financial moves you should consider before the calendar turns. We cover a comprehensive range of year-end tasks designed to optimize your tax situation, review your investment allocations, and maximize your retirement contributions. Join us as we provide a clear roadmap to help you tie up loose ends and start the new year on the strongest possible financial footing.]]>
                                    </description>
                <pubDate>Sun, 21 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9536</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/9j1e5smTaLwT0HuxPynhKSC5vGBjH4LFv8XtT3wC.mp3"  length="43259154"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[In this episode, we walk through the essential financial moves you should consider before the calendar turns. We cover a comprehensive range of year-end tasks designed to optimize your tax situation, review your investment allocations, and maximize your retirement contributions. Join us as we provide a clear roadmap to help you tie up loose ends and start the new year on the strongest possible financial footing.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 21 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[In this episode, we walk through the essential financial moves you should consider before the calendar turns. We cover a comprehensive range of year-end tasks designed to optimize your tax situation, review your investment allocations, and maximize your retirement contributions. Join us as we provide a clear roadmap to help you tie up loose ends and start the new year on the strongest possible financial footing.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Ten Ways to Start Saving]]>
                </title>
                                <description>
                                            <![CDATA[This episode dives into ten practical and immediate ways you can kickstart or dramatically improve your personal savings habit right now. We cover a mix of passive strategies—like automating transfers and negotiating lower bills—and active methods, such as embracing the 30-day rule and using the envelope system. Tune in for simple, actionable advice to help you quickly build an emergency fund and begin moving closer to your long-term financial goals.]]>
                                    </description>
                <pubDate>Sun, 14 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9479</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/mqYRfFTH18aIYnTFVvYkKjx9FBH9oSv3EmKSf43d.mp3"  length="43258174"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode dives into ten practical and immediate ways you can kickstart or dramatically improve your personal savings habit right now. We cover a mix of passive strategies—like automating transfers and negotiating lower bills—and active methods, such as embracing the 30-day rule and using the envelope system. Tune in for simple, actionable advice to help you quickly build an emergency fund and begin moving closer to your long-term financial goals.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 14 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode dives into ten practical and immediate ways you can kickstart or dramatically improve your personal savings habit right now. We cover a mix of passive strategies—like automating transfers and negotiating lower bills—and active methods, such as embracing the 30-day rule and using the envelope system. Tune in for simple, actionable advice to help you quickly build an emergency fund and begin moving closer to your long-term financial goals.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Understanding About Alzheimer&#039;s and the Caregivers Role]]>
                </title>
                                <description>
                                            <![CDATA[This episode offers a crucial and compassionate look at the substantial financial challenges presented by an Alzheimer&#039;s diagnosis and the subsequent caregiver role. We detail the staggering costs associated with long-term care, specialized facilities, and home health aides, providing strategies for planning and funding this expensive journey. Additionally, we discuss the financial and career sacrifices often made by caregivers and explore available resources to help support both their loved one and their own financial well-being.]]>
                                    </description>
                <pubDate>Sun, 07 Dec 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9446</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/1gb8AvolowfJ3bpc5fAytLyA5pDV160Vnogkd02O.mp3"  length="43257194"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode offers a crucial and compassionate look at the substantial financial challenges presented by an Alzheimer&#039;s diagnosis and the subsequent caregiver role. We detail the staggering costs associated with long-term care, specialized facilities, and home health aides, providing strategies for planning and funding this expensive journey. Additionally, we discuss the financial and career sacrifices often made by caregivers and explore available resources to help support both their loved one and their own financial well-being.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 07 Dec 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode offers a crucial and compassionate look at the substantial financial challenges presented by an Alzheimer&#039;s diagnosis and the subsequent caregiver role. We detail the staggering costs associated with long-term care, specialized facilities, and home health aides, providing strategies for planning and funding this expensive journey. Additionally, we discuss the financial and career sacrifices often made by caregivers and explore available resources to help support both their loved one and their own financial well-being.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Alzheimer&#039;s and More]]>
                </title>
                                <description>
                                            <![CDATA[This episode addresses the critical and costly financial implications of an Alzheimer&#039;s diagnosis and other serious cognitive diseases. We detail the staggering financial burdens—from long-term care facilities to in-home aid—and discuss how to proactively budget for these potential expenses in your retirement plan. Tune in to learn about crucial legal documents like Power of Attorney, and essential financial tools, including long-term care insurance, that can protect your family&#039;s assets and peace of mind.]]>
                                    </description>
                <pubDate>Sun, 23 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9375</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/loaYahpUITgMFfbhU6d3rs9mdDIGHFXOAjnv3V3B.mp3"  length="43254254"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode addresses the critical and costly financial implications of an Alzheimer&#039;s diagnosis and other serious cognitive diseases. We detail the staggering financial burdens—from long-term care facilities to in-home aid—and discuss how to proactively budget for these potential expenses in your retirement plan. Tune in to learn about crucial legal documents like Power of Attorney, and essential financial tools, including long-term care insurance, that can protect your family&#039;s assets and peace of mind.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 23 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode addresses the critical and costly financial implications of an Alzheimer&#039;s diagnosis and other serious cognitive diseases. We detail the staggering financial burdens—from long-term care facilities to in-home aid—and discuss how to proactively budget for these potential expenses in your retirement plan. Tune in to learn about crucial legal documents like Power of Attorney, and essential financial tools, including long-term care insurance, that can protect your family&#039;s assets and peace of mind.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Even MORE Things to Know Before and After You Retire]]>
                </title>
                                <description>
                                            <![CDATA[This episode builds upon our popular retirement series, diving into an expanded list of critical financial, legal, and lifestyle considerations for both pre-retirees and those already enjoying life after work. We cover overlooked essentials like how to properly update beneficiary designations and the unexpected costs of travel and leisure that can strain a fixed income. Tune in for practical, actionable advice that ensures you are prepared for every phase of a long, financially secure retirement.]]>
                                    </description>
                <pubDate>Sun, 16 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9338</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/4hPxDXVf6CbpwklB2mmwi0HCVeqdtMqmYMx10ZXv.mp3"  length="43251804"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode builds upon our popular retirement series, diving into an expanded list of critical financial, legal, and lifestyle considerations for both pre-retirees and those already enjoying life after work. We cover overlooked essentials like how to properly update beneficiary designations and the unexpected costs of travel and leisure that can strain a fixed income. Tune in for practical, actionable advice that ensures you are prepared for every phase of a long, financially secure retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 16 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode builds upon our popular retirement series, diving into an expanded list of critical financial, legal, and lifestyle considerations for both pre-retirees and those already enjoying life after work. We cover overlooked essentials like how to properly update beneficiary designations and the unexpected costs of travel and leisure that can strain a fixed income. Tune in for practical, actionable advice that ensures you are prepared for every phase of a long, financially secure retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[12 Things You Need to Know Before and After you Retire Part 2]]>
                </title>
                                <description>
                                            <![CDATA[We dive into the critical financial moves you must make immediately after you punch out for good. Learn how to transition from an accumulation mindset to a strategic distribution plan, including the crucial decisions about your withdrawal strategy and tax-efficient account sequencing. We cover the post-retirement checklist: from reassessing your budget to updating your estate plan and managing market risk when every dollar counts.]]>
                                    </description>
                <pubDate>Sun, 02 Nov 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9265</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/YKGkVGWRAqkwyvDwD0Az9yblzRzhxKAzsvH3g3nc.mp3"  length="43250334"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[We dive into the critical financial moves you must make immediately after you punch out for good. Learn how to transition from an accumulation mindset to a strategic distribution plan, including the crucial decisions about your withdrawal strategy and tax-efficient account sequencing. We cover the post-retirement checklist: from reassessing your budget to updating your estate plan and managing market risk when every dollar counts.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 02 Nov 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[We dive into the critical financial moves you must make immediately after you punch out for good. Learn how to transition from an accumulation mindset to a strategic distribution plan, including the crucial decisions about your withdrawal strategy and tax-efficient account sequencing. We cover the post-retirement checklist: from reassessing your budget to updating your estate plan and managing market risk when every dollar counts.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Health Literacy for Seniors]]>
                </title>
                                <description>
                                            <![CDATA[Many seniors struggle with low health literacy, making it difficult to understand complicated medical information, prescription directions, and treatment plans. This lack of clear understanding is a critical issue that directly leads to medication errors, poor health outcomes, and unnecessarily high out-of-pocket costs. We break down the most common pitfalls of low health literacy and share practical tips for asking the right questions, organizing medical information, and advocating effectively for clearer communication at the doctor&#039;s office.]]>
                                    </description>
                <pubDate>Sun, 19 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9174</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/uODXWlOriWt7tuRXVeSuSudAt9dAbPAPmX2gDU3h.mp3"  length="43244959"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Many seniors struggle with low health literacy, making it difficult to understand complicated medical information, prescription directions, and treatment plans. This lack of clear understanding is a critical issue that directly leads to medication errors, poor health outcomes, and unnecessarily high out-of-pocket costs. We break down the most common pitfalls of low health literacy and share practical tips for asking the right questions, organizing medical information, and advocating effectively for clearer communication at the doctor&#039;s office.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 19 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Many seniors struggle with low health literacy, making it difficult to understand complicated medical information, prescription directions, and treatment plans. This lack of clear understanding is a critical issue that directly leads to medication errors, poor health outcomes, and unnecessarily high out-of-pocket costs. We break down the most common pitfalls of low health literacy and share practical tips for asking the right questions, organizing medical information, and advocating effectively for clearer communication at the doctor&#039;s office.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What the Fed Rate Cut and Government Shutdown Means for You]]>
                </title>
                                <description>
                                            <![CDATA[Don&#039;t let market headlines confuse you—we cut through the noise to explain the surprising push-pull effect of the Federal Reserve&#039;s rate cut and the ongoing government shutdown on your money. We break down what lower rates really mean for your mortgage, credit card debt, and savings accounts, while clarifying how the shutdown is simultaneously disrupting loan applications and delaying crucial economic data. Discover a practical financial playbook for navigating this period of contradictory economic signals, from cash-flow management to smart portfolio adjustments.]]>
                                    </description>
                <pubDate>Sun, 12 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9134</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/kMjqKoG4QPqnNgDBFgVJsJ7cZWfWuVl79eIhDpLG.mp3"  length="43250323"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Don&#039;t let market headlines confuse you—we cut through the noise to explain the surprising push-pull effect of the Federal Reserve&#039;s rate cut and the ongoing government shutdown on your money. We break down what lower rates really mean for your mortgage, credit card debt, and savings accounts, while clarifying how the shutdown is simultaneously disrupting loan applications and delaying crucial economic data. Discover a practical financial playbook for navigating this period of contradictory economic signals, from cash-flow management to smart portfolio adjustments.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 12 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Don&#039;t let market headlines confuse you—we cut through the noise to explain the surprising push-pull effect of the Federal Reserve&#039;s rate cut and the ongoing government shutdown on your money. We break down what lower rates really mean for your mortgage, credit card debt, and savings accounts, while clarifying how the shutdown is simultaneously disrupting loan applications and delaying crucial economic data. Discover a practical financial playbook for navigating this period of contradictory economic signals, from cash-flow management to smart portfolio adjustments.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Understanding Medicare]]>
                </title>
                                <description>
                                            <![CDATA[This episode demystifies the complexities of Medicare, providing a clear and comprehensive guide to its various parts and options. We break down the differences between Part A, B, C, and D, and explain key enrollment periods that determine your coverage. Tune in to learn how to make informed decisions about your healthcare coverage in retirement and avoid costly penalties.]]>
                                    </description>
                <pubDate>Sun, 05 Oct 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9108</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/3YN3syt8Dx8Ciq6Ni60n7NDmdzh69wEKMYP1hZ5Q.mp3"  length="43248363"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode demystifies the complexities of Medicare, providing a clear and comprehensive guide to its various parts and options. We break down the differences between Part A, B, C, and D, and explain key enrollment periods that determine your coverage. Tune in to learn how to make informed decisions about your healthcare coverage in retirement and avoid costly penalties.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 05 Oct 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode demystifies the complexities of Medicare, providing a clear and comprehensive guide to its various parts and options. We break down the differences between Part A, B, C, and D, and explain key enrollment periods that determine your coverage. Tune in to learn how to make informed decisions about your healthcare coverage in retirement and avoid costly penalties.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Managing Personal Finances in Retirement]]>
                </title>
                                <description>
                                            <![CDATA[Navigating retirement finances requires a new set of rules, and this episode breaks down the critical shifts you need to make. We&#039;ll cover everything from managing your cash flow and optimizing withdrawals to understanding the tax implications of your nest egg. Discover how to create a sustainable financial plan that provides security and peace of mind for your golden years.]]>
                                    </description>
                <pubDate>Sun, 28 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9056</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/u18VxAxMnPHxpxd1iKtpGgQg89il9pFzmT96x68b.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[Navigating retirement finances requires a new set of rules, and this episode breaks down the critical shifts you need to make. We&#039;ll cover everything from managing your cash flow and optimizing withdrawals to understanding the tax implications of your nest egg. Discover how to create a sustainable financial plan that provides security and peace of mind for your golden years.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 28 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[Navigating retirement finances requires a new set of rules, and this episode breaks down the critical shifts you need to make. We&#039;ll cover everything from managing your cash flow and optimizing withdrawals to understanding the tax implications of your nest egg. Discover how to create a sustainable financial plan that provides security and peace of mind for your golden years.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Joys and Challenges of Retirement]]>
                </title>
                                <description>
                                            <![CDATA[On this episode of Your Safe Money Show, Robin is back for a week and we find out how retirement is going for her.  We will talk about something many of us dream about - the golden years of retirement.  What are the joys, challenges, and surprises of life after decades of hard work?]]>
                                    </description>
                <pubDate>Sun, 21 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-9034</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/vs1jah9xxueY0CKEAo8flNHV6kkDKKQNpm4YMMnT.mp3"  length="28636322"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode of Your Safe Money Show, Robin is back for a week and we find out how retirement is going for her.  We will talk about something many of us dream about - the golden years of retirement.  What are the joys, challenges, and surprises of life after decades of hard work?]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 21 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this episode of Your Safe Money Show, Robin is back for a week and we find out how retirement is going for her.  We will talk about something many of us dream about - the golden years of retirement.  What are the joys, challenges, and surprises of life after decades of hard work?]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Protect Your 401(k)]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                                    </description>
                <pubDate>Sun, 07 Sep 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8959</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/u95OxgqU9MHdaJSuWdhS1XjpB8v77bPRMPzRV3C8.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 07 Sep 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll talk about what to do with your 401(k) if you change jobs, along with some other important 401(k) housekeeping items.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Yes, retirees should keep investing]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </description>
                <pubDate>Sun, 31 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8924</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/t5lSQlrXEUmnSZXoyMT6uyCfeN6QvRr5KJ23715Z.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 31 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode we’ll consider whether retirees should continue investing and talk about the various options for financial growth in retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare Update and Inherited IRA&#039;s]]>
                </title>
                                <description>
                                            <![CDATA[This episode provides a crucial update on the latest changes to Medicare, including new enrollment deadlines and adjustments to premiums and deductibles. We also tackle the complex world of Inherited IRAs, breaking down the rules for spousal and non-spousal beneficiaries. Tune in to learn how to navigate these important financial decisions and optimize your retirement and estate planning.]]>
                                    </description>
                <pubDate>Sun, 24 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8895</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/I3bfATnQLYgWHmMZvJXjMWrjeWCWleW6T2C6KMlh.mp3"  length="40890848"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode provides a crucial update on the latest changes to Medicare, including new enrollment deadlines and adjustments to premiums and deductibles. We also tackle the complex world of Inherited IRAs, breaking down the rules for spousal and non-spousal beneficiaries. Tune in to learn how to navigate these important financial decisions and optimize your retirement and estate planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 24 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode provides a crucial update on the latest changes to Medicare, including new enrollment deadlines and adjustments to premiums and deductibles. We also tackle the complex world of Inherited IRAs, breaking down the rules for spousal and non-spousal beneficiaries. Tune in to learn how to navigate these important financial decisions and optimize your retirement and estate planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Finish 2025 Strongly]]>
                </title>
                                <description>
                                            <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                                    </description>
                <pubDate>Sun, 17 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8855</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/FAtCROBEkWlZSW9nZsuRFHEZdFyqlv1u9FvnSq3E.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 17 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this show we’re going to examine some mid-year 2025 financial steps that could brighten your 2026.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Cost of Being a Grandparent]]>
                </title>
                                <description>
                                            <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                                    </description>
                <pubDate>Sun, 10 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8817</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/GvZmffp9cyb3IaWWwOoavLe9ly3I9QzRljMKBl3A.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 10 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During today’s show, we’ll consider how much it costs to be a grandparent and how you can build a financial strategy that positions you to enjoy your grandkids while also taking care of your own financial needs.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security News You Need to Hear]]>
                </title>
                                <description>
                                            <![CDATA[This episode delivers crucial updates on Social Security, breaking down the 2025 Cost-of-Living Adjustment (COLA) and its impact on your benefits. We&#039;ll also cover important changes to Full Retirement Age (FRA) and discuss the Social Security Fairness Act, which affects many public sector workers. Stay informed to make the most of your Social Security planning.]]>
                                    </description>
                <pubDate>Sun, 03 Aug 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8785</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/5mY4C4v5HdrP7rwtSQcXkkThZ8MYFJUxpzrqm23E.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[This episode delivers crucial updates on Social Security, breaking down the 2025 Cost-of-Living Adjustment (COLA) and its impact on your benefits. We&#039;ll also cover important changes to Full Retirement Age (FRA) and discuss the Social Security Fairness Act, which affects many public sector workers. Stay informed to make the most of your Social Security planning.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 03 Aug 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[This episode delivers crucial updates on Social Security, breaking down the 2025 Cost-of-Living Adjustment (COLA) and its impact on your benefits. We&#039;ll also cover important changes to Full Retirement Age (FRA) and discuss the Social Security Fairness Act, which affects many public sector workers. Stay informed to make the most of your Social Security planning.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Your Retirement Magic Number]]>
                </title>
                                <description>
                                            <![CDATA[On this show, we’ll discuss retirement magic numbers and what it would mean to have two million dollars and five hundred thousand dollars saved for retirement.]]>
                                    </description>
                <pubDate>Sun, 29 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8637</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/PYdKXG86964qmQfijML4lC7frZNoz4SZCuxRULDL.mp3"  length="39900704"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this show, we’ll discuss retirement magic numbers and what it would mean to have two million dollars and five hundred thousand dollars saved for retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 29 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this show, we’ll discuss retirement magic numbers and what it would mean to have two million dollars and five hundred thousand dollars saved for retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Want an extra $50,000 for Retirement?]]>
                </title>
                                <description>
                                            <![CDATA[On this episode, we’ll discuss how you may be able to secure an extra $50,000 for retirement and how to protect your savings from a recession.]]>
                                    </description>
                <pubDate>Sun, 22 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8626</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/B3tK6SZhczZR1Uqsj8WLJBUaK3jFRbsDGKaAhpbu.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[On this episode, we’ll discuss how you may be able to secure an extra $50,000 for retirement and how to protect your savings from a recession.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 22 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[On this episode, we’ll discuss how you may be able to secure an extra $50,000 for retirement and how to protect your savings from a recession.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is 2025 still your year?]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll consider if those who wanted to retire in 2025 may need to reconsider, and we’ll also touch on how those running behind on retirement savings can still catch up.]]>
                                    </description>
                <pubDate>Sun, 15 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8587</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/TVU9L1m41uLQKvVdbolcLs3nHHxuxlq9YqWYwZWz.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll consider if those who wanted to retire in 2025 may need to reconsider, and we’ll also touch on how those running behind on retirement savings can still catch up.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 15 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll consider if those who wanted to retire in 2025 may need to reconsider, and we’ll also touch on how those running behind on retirement savings can still catch up.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are you ready for a recession?]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss tips for handling your finances and having a plan that will help you if the US goes into a recession.]]>
                                    </description>
                <pubDate>Sun, 08 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8550</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/yKnR5DrFd336A8KFsu0G1DUAUD0OuGDI40c3XmO2.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss tips for handling your finances and having a plan that will help you if the US goes into a recession.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 08 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss tips for handling your finances and having a plan that will help you if the US goes into a recession.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Maintain Family Harmony with Enhanced Planning]]>
                </title>
                                <description>
                                            <![CDATA[During this episode we’re going to discuss the importance of enhanced planning in relation to finances, taxes, and family life. This includes estate planning, legacy planning and more.]]>
                                    </description>
                <pubDate>Sun, 01 Jun 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8433</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/CxAHVv41OqVrcFHecAgtkXa7eFB5M5W16PCd2hS9.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode we’re going to discuss the importance of enhanced planning in relation to finances, taxes, and family life. This includes estate planning, legacy planning and more.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 01 Jun 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode we’re going to discuss the importance of enhanced planning in relation to finances, taxes, and family life. This includes estate planning, legacy planning and more.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[What to Know Before You Retire]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to examine some of the key things you should know as you move closer to your retirement.]]>
                                    </description>
                <pubDate>Sun, 25 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8416</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/s5I5Z6z5yZ771fcuQXFSbcfVbroAd3akDDHJZhEy.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to examine some of the key things you should know as you move closer to your retirement.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sun, 25 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to examine some of the key things you should know as you move closer to your retirement.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[8 Signs You’re Ready to Retire]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                                    </description>
                <pubDate>Sat, 17 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8375</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/kjugimB77qf1NVCJ8yPpAAPB22RIVK4fOGp9BCNb.mp3"  length="43437344"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 17 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’ll discuss eight signs that could tell you that you’re ready to retire as well as traits that lead to more retirement savings.]]>
                    </content:encoded>
                            </item>
                    <item>
                <title>
                    <![CDATA[Here’s what Medicare covers — without extra charges]]>
                </title>
                                <description>
                                            <![CDATA[During this episode, we’re going to discuss things Medicare covers without out-of-pocket costs as well as Medicare changes that are happening this year.]]>
                                    </description>
                <pubDate>Sat, 10 May 2025 00:00:00 +0000</pubDate>
                <guid isPermaLink="false">episode-8348</guid>

                
                
                <enclosure url="https://financially-tuned.s3.us-east-2.amazonaws.com/public/BipZ9bTNGGl7oiWEaR2Hu5KMaHGOn05AKJDsIM6w.mp3"  length="43201184"  type="audio/mpeg" />

                
                <itunes:author>
                    <![CDATA[Todd Sjoberg]]>
                </itunes:author>
                
                <itunes:summary>
                                            <![CDATA[During this episode, we’re going to discuss things Medicare covers without out-of-pocket costs as well as Medicare changes that are happening this year.]]>
                                    </itunes:summary>
                <itunes:explicit>no</itunes:explicit>
                
                
                
                

                
                                    <podcast:person role="host" group="hosts">Todd Sjoberg</podcast:person>
                                
                
                <spotify:episodeType>full</spotify:episodeType>

                
                <dc:date>Sat, 10 May 2025 00:00:00 +0000</dc:date>

                
                                    <content:encoded>
                        <![CDATA[During this episode, we’re going to discuss things Medicare covers without out-of-pocket costs as well as Medicare changes that are happening this year.]]>
                    </content:encoded>
                            </item>
            </channel>
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