Client Q&A: Savings Rates, Retirement Moves, and Inherited IRAs

In this episode, I answer three real questions that recently came up in client meetings — questions that many people are probably wondering about themselves.

First, we talk about 401k savings rates. Should you count your employer match as part of your savings rate? I explain why I prefer to separate your personal savings discipline from the company match, and how to think about what your true savings rate should be depending on your retirement goals.

Next, we discuss a question from a retired couple in their early 60s who asked me something very direct: “Are we crazy for wanting to move to another house in retirement?” We walk through the financial planning considerations behind making a move later in life, including mortgage decisions, qualifying for a loan after retirement, and how housing choices fit into a sustainable retirement income plan.

Finally, we dive into inherited IRA rules — specifically a situation where the beneficiary was less than ten years younger than the original account owner. That age difference can change how inherited IRA distributions work and may allow for life expectancy distributions instead of the ten-year rule.

As always, the plan comes first!

Helping you to be wise with your money!
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