In this episode, we explore the real secret to a fun and fulfilling retirement: starting your hobbies now, rather than waiting until you stop working. We'll discuss why engaging in meaningful activities today builds identity, joy, and social connection that carry into retirement. You'll learn simple, practical strategies for weaving hobbies into even the busiest schedule. We also share helpful resources to make trying new interests easier and more enjoyable.

What We'll Cover:

✅ Why beginning hobbies before retirement leads to greater happiness and smoother transitions

✅ Three strategies for incorporating hobbies into your life right now

✅ How hobbies boost identity, cognitive health, and social connection

✅ Ways to try new interests without big commitments or costs

✅ Tools and resources—like YouTube, classes, apps, and community groups—to help you get started today

🎧Now available on Audible! Check out my book, The Early Start Retirement Plan, on Amazon: https://amzn.to/3TealtO 

🔔Subscribe for more retirement planning tips! https://bit.ly/NavigateWeeklyNewsletter   

✏️Take the Retirement Readiness Quiz!  Visit https://www.EarlyStartRetirement.com     

Connect with Danette Lowe, CFP®  

https://linktr.ee/trunorthwealth   

Visit Our Website:  https://www.TruNorthWealth.com     

Follow Us on Facebook:  https://www.facebook.com/TruNorthRetirementPlanning   

About Danette:   

Professional Journey- As the Founder and a CERTIFIED FINANCIAL PLANNER™ professional at TruNorth Wealth Management, LLC, I've found my calling in helping pre-retirees confidently navigate the crucial decision of retirement. Our team is dedicated to guiding family-oriented couples from being net savers to net spenders.  We invite you to join our extended family and experience the TruNorth Wealth difference.   

Danette Lowe, CFP®    Founder – Wealth Advisor    T

ruNorth Wealth Management, LLC  1662 Hwy 395 N, Suite 203, Minden, NV  89423   

Connect with Danette @ https://linktr.ee/trunorthwealth   

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. TruNorth Wealth and Cambridge are not affiliated.

Budgeting for retirement doesn't have to feel overwhelming! In this episode of Ready to Retire!, I'm sharing practical strategies to help you manage your income in retirement—without sacrificing the lifestyle you've worked so hard to build.

Many retirees worry about living on a "fixed income," but I encourage you to think of it as a flexible income stream instead. We'll talk about how to structure your income sources, account for inflation, and plan for unexpected expenses while still having room for travel, hobbies, and fun.

Here's what we'll cover:
✔️ Why budgeting in retirement is different from when you were working
✔️ How to shift your mindset from "fixed income" to "flexible income"
✔️ The biggest challenges retirees face—and how to solve them
✔️ How to map out your income streams and avoid common mistakes
✔️ Why delaying Social Security can help maximize your benefits
✔️ The importance of an emergency reserve—even in retirement

Budgeting is about freedom, not restriction. With the right plan, you can retire with confidence, knowing your money will last.

📖 Check out my book, The Early Start Retirement Plan, on Amazon: https://amzn.to/3TealtO

Let's make sure your budget supports the retirement adventure you deserve!

🔔 Subscribe for more retirement planning tips! https://bit.ly/NavigateWeeklyNewsletter

NEW RELEASE: THE EARLY START RETIREMENT PLAN

Take the Retirement Readiness Quiz! https://www.EarlyStartRetirement.com

Start YOUR FREE Financial Plan Today:

Now available – FREE ACCESS – to a Financial Planning Tool:

Click here: https://bit.ly/GetFinancialPlan

Connect with Danette Lowe, CFP®

https://linktr.ee/trunorthwealth

Visit Our Website: https://www.TruNorthWealth.com

Follow Us on Facebook:

https://www.facebook.com/TruNorthRetirementPlanning

About Danette:

Professional Journey- As the Founder and a CERTIFIED FINANCIAL PLANNER™ professional at TruNorth Wealth Management, LLC, I've found my calling in helping pre-retirees confidently navigate the crucial decision of retirement. Our team is dedicated to guiding family-oriented couples from being net savers to net spenders. We invite you to join our extended family and experience the TruNorth Wealth difference.

Danette Lowe, CFP®

Founder – Wealth Advisor

TruNorth Wealth Management, LLC

1662 Hwy 395 N, Suite 203, Minden, NV 89423

Connect with Danette @ https://linktr.ee/trunorthwealth

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. TruNorth Wealth and Cambridge are not affiliated.

Traditional IRA vs. Roth IRA – Which one is better?

In this episode, Danette explores the decision between investing in a Traditional IRA, which offers immediate tax deductions but taxes gains upon withdrawal, and a Roth IRA, which doesn't provide tax deductions on contributions, but offers tax-free gains.

Click here to Download Your FREE "3 Steps" to Plan an Epic Retirement Worksheet: https://www.trunorthwealth.com/newsletter-signup

What's included: 3 Steps to Planning an EPIC Retirement

Step 1: How will You Spend Your Time?

Step 2: Identify Your Income & Expenses

Step 3: Putting it all Together

Connect with Danette Lowe, CFP®

https://linktr.ee/trunorthwealth

Visit Our Website: https://www.TruNorthWealth.com

Episode Summary:

She discusses the pros and cons of each option and the benefits of a Roth conversion for those who are not eligible for direct Roth contributions.

The episode delves into the strategies for managing taxes during a Roth conversion, including staggered conversions and using non-IRA funds to cover the tax liability.

Danette emphasizes the potential benefits of converting during market downturns and the implications of recent legislative changes.

Danette recommends consulting with a financial advisor to determine the best retirement savings strategy based on individual circumstances, whether it involves Traditional IRAs, Roth IRAs, or Roth conversions.

Follow Us on Facebook:

https://www.facebook.com/TruNorthRetirementPlanning

About Danette:

Professional Journey- As the Founder and a CERTIFIED FINANCIAL PLANNER™ professional at TruNorth Wealth Management, LLC, I've found my calling in helping pre-retirees confidently navigate the crucial decision of retirement. Our team is dedicated to guiding family-oriented couples from being net savers to net spenders. We invite you to join our extended family and experience the TruNorth Wealth difference.

Danette Lowe, CFP®

Founder – Wealth Advisor

TruNorth Wealth Management, LLC

1662 HWY 395 N, Suite 203, Minden, NV 89423

Connect with Danette @ https://linktr.ee/trunorthwealth

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. TruNorth Wealth and Cambridge are not affiliated.

In this episode, we explore practical strategies to alleviate the financial strain that often accompanies five major life transitions:

Relocating to new places

Navigating career or job changes

Managing finances through relationship shifts

Coping with unexpected health events

Finding stability during times of loss or grief.

Tune in to discover expert insights and actionable tips for achieving financial peace of mind during these pivotal moments in life.

Connect with Danette Lowe, CFP®https://linktr.ee/trunorthwealth

Visit Our Website: https://www.TruNorthWealth.com

Episode Summary:

In this episode of the Ready to Retire podcast, Danette explores the financial implications of five major life transitions: relocation, career or job changes, relationship changes, health events, and loss or grief events.

She emphasizes the importance of having a solid financial plan in place to navigate these transitions. Danette also offers practical advice, such as the significance of health insurance decisions, managing old 401(k) plans, and considering life insurance during career changes.

She discusses the financial aspects of relocating, including trust updates and home investments, and highlights the importance of self-care during health transitions. In times of relationship changes, Danette emphasizes the need to reevaluate asset titling and life insurance.

Lastly, she addresses the challenges of grief and loss transitions, urging caution in making major decisions and recommending journaling as a helpful tool.

This episode provides valuable guidance on managing finances during life's most significant changes.

Follow Us on Facebook:

https://www.facebook.com/TruNorthRetirementPlanning

About Danette:

Professional Journey- As the Founder and a CERTIFIED FINANCIAL PLANNER™ professional at TruNorth Wealth Management, LLC, I've found my calling in helping pre-retirees confidently navigate the crucial decision of retirement. Our team is dedicated to guiding family-oriented couples from being net savers to net spenders. We invite you to join our extended family and experience the TruNorth Wealth difference.

Danette Lowe, CFP®

Founder – Wealth Advisor

TruNorth Wealth Management, LLC

1662 HWY 395 N, Suite 203, Minden, NV 89423

Connect with Danette @ https://linktr.ee/trunorthwealth

Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. TruNorth Wealth and Cambridge are not affiliated.