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In this episode of “Your Telecom Retirement,” we delve into the realm of cognitive biases, specifically focusing on the Dunning-Kruger Effect and its implications for investment and retirement planning. Join me as we explore how this psychological phenomenon influences our financial decision-making processes.

What You’ll Discover:

🧠 [00:01] An introduction to cognitive biases and a deep dive into the Dunning-Kruger Effect, and its relevance in financial planning

🔍 [01:16] A discussion on the unpredictability of economic recessions and growth, and how people often miss these trends in their investment decisions

🎯 [15:57] A cautionary tale about the dangers of making mistakes with your investments and financial life due to cognitive biases like the Dunning-Kruger effect

💡 [20:24] A real-life example illustrating the Dunning-Kruger Effect in financial decision-making scenarios
🎙️ [22:18] Insights into the potential financial consequences of cognitive biases, and how they might negatively affect your retirement planning

Join us in this episode to decode the mysteries of cognitive biases and learn how to better navigate the financial landscape by understanding the Dunning-Kruger Effect.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

WHERE YOU CAN FIND ME:
Connect with Dennis O’Keefe on LinkedIn!
Successful Money Strategies, Inc. – Financial Planning Services
Get the Latest Tips & Strategies for a Successful Retirement

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This illuminating episode of “Your Telecom Retirement” delves into the complex world of 529 plans and college expenses. Join me as I break down the intricacies of state-sponsored plans, financial aid, and how to manage your funds for higher education effectively.

What You’ll Discover:

🔎 [03:43] The importance of 529 plans and how they can be used for a broad range of educational pursuits

💪 [08:04] What expenses can be covered by a 529 plan, including tuition, room and board, and even computers

🎯 [12:01] The flexibility of choosing a 529 plan from any state, not just your home state

🔑 [15:14] The shift in financial aid from grants to loans and its impact on college expenses

😄 [17:30] How 529 funds count towards your family contribution on the FAFSA form

❓ [23:20] The process of withdrawing funds from a 529 plan and the importance of keeping meticulous records

💡 [25:55] The often overlooked aspect of 529 plans: how to withdraw money and the ramifications of doing so

Tune in to this informative episode and equip yourself with the knowledge to navigate the financial maze of college expenses.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

WHERE YOU CAN FIND ME:
Connect with Dennis O’Keefe on LinkedIn!
Successful Money Strategies, Inc. – Financial Planning Services
Get the Latest Tips & Strategies for a Successful Retirement

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In this episode of Your Telecom Retirement, get ready to uncover the truth about the modern college education system and how it has dramatically changed over the years.

Join me as I sit down with my special guest, Justyn Coriander, who shares his unique journey and experiences as a recent college graduate.

Together, we delve into the surprising revelations, benefits, and challenges of pursuing higher education in today’s world.

What You’ll Discover:

🔎 [01:52] Justyn’s remarkable journey from a challenging high school experience to finding mentorship and purpose

💪 [03:48] The value of real-world experience and its impact on the decision to pursue higher education

🎯 [07:13] The shocking reality of lowered standards and high attrition rates in certain college courses

🔑 [10:30] How maturity and real-world experience give you an edge in college and beyond

😄 [13:00] The humorous moments and surprises of being an older student on campus

❓ [15:53] Questions around the pressure to attend college and discover alternative paths to success

💡 [17:30] Redefining success beyond traditional education and the stigma surrounding it
Tune in to this eye-opening episode and gain a fresh perspective on the modern college education experience.

Prepare to challenge conventional wisdom and discover new opportunities for personal and professional growth!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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On this episode of Your Telecom Retirement, we’re taking an unfiltered look at the not-so-obvious truths that often get lost in the everyday noise.

We’ll unravel the realities of our lifestyles in comparison to our parents and grandparents, and debunk some of the most popular misconceptions about the state of the middle class and corporate taxes.

Does it feel like life was simpler, less expensive, and overall better in the “good old days”? Ever wondered if there’s more to the tax situation than meets the eye? Or perhaps, you’re just curious about why Big Macs cost more than they used to? 🍔

We take on these questions headfirst, revealing some hard-to-swallow truths, and simultaneously debunking some prevalent myths along the way. Tune in, get enlightened, and walk away with a fresh perspective that’ll leave you thinking and reevaluating your position on these issues!

What You’ll Discover:

📈 (7:50) The myth of the shrinking middle class and how our purchasing power has stealthily skyrocketed over the years.

📞 (13:30) The evolution of our homes and gadgets – a nostalgic trip from landline telephones to smartphones, black and white TVs to sleek ultra HD screens.

📺 (16:41) The exponential growth of our access to information and entertainment. How many TV channels did we have in 1970 versus now?

💰(19:39) A counterintuitive perspective on corporate income taxes – who’s actually paying for it? Hint: It’s not who you think!

Get ready to challenge the status quo, see the world through a fresh lens and, ultimately, better understand our progress as a society!

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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On this episode of Your Telecom Retirement, I unveil a little-known approach to maximizing your retirement wealth using Roth IRAs and Roth 401(k)s.

Based on my 30 years of experience in retirement planning specific to telecom employees, I’ll guide you through managing distributions effectively for a tax-free retirement.

Join me as I share my insights on the five-year rule, navigating tax brackets, using Roth accounts as a “slush fund,” and incorporating Roth accounts into your estate planning strategy.

Tune in and discover the hidden strategy that could transform your retirement savings!

In this value-packed episode, you’ll discover:

🎯 03:26 – The crucial five-year rule for Roth accounts and why it matters in your retirement planning

💼 07:35 – How understanding tax brackets can help you make informed decisions about Roth account withdrawals

💰 12:19 – The benefits of using a Roth account as a “slush fund” for significant expenses during retirement

📝 16:42 – Estate planning with Roth accounts: Maximizing wealth for your heirs and minimizing tax implications

🧠 24:02 – The importance of knowing your retirement numbers and working with a financial advisor to plan for the future

Ready to unlock the secrets of Roth distributions and maximize your retirement wealth? Hit the play button and let’s dive in!

EPISODE LINKS
How To Prepare For a Recession
Retirement in 1993 versus today –– the new reality

You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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The longer your career, the wider your trail of various retirement and financial accounts littered behind you. This and other financial clutter makes focused saving and investment difficult, and can lead to costly misunderstandings of our positions and can slow your overall retirement savings. In this episode, we dig into the importance of “spring cleaning” your finances, what it means, how to do it, and why your future self (and heirs) will thank you.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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Whenever there’s talk of a recession, people wonder what they should be doing. But how do you prepare for a future nobody can predict? In this episode, we discuss the false belief that we know what’s going to happen, what this means for retirement planning, and how to ensure you don’t fall for the trap of “timing” your way to a huge nest egg.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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Retiring today is 180 degrees from what it was in 1993, and there are huge implications for anyone who wants to enjoy a comfortable retirement. In this episode, we’ll examine how the shift from pensions and employer-paid healthcare has changed the game, and who you must depend on to ensure your money lasts as long as you need.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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I love my Nana, but let’s just say her culinary adventures were trips to avoid. For her signature Mac & Cheese dish, she got a lot of things right — but missed some crucial details that would have transformed the results. In this episode, we look at a retirement planning error I’ve noticed in several people I’ve been talking to, and why getting this wrong isn’t something that can easily be recovered from.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/

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I Bonds are the current popular kid at the party. It seems like every financial news outlet and publication is pushing them. So are they REALLY a good deal? In this episode, I demystify I Bonds, including the benefits and limitations of these financial instruments — so you can judge for yourself whether they’re worth a place in your portfolio.

EPISODE LINKS
You can download a free digital copy of Dennis’ book “Retirement Built Right – The Essential Guide for Telephone Employees!” here: https://theverizonguy.pages.ontraport.net/ebookoptin

ABOUT THE SHOW
Tap into Dennis O’Keefe’s 30+ years of experience helping telecom employees maximize their company-specific benefits packages for situations including early retirement, buyout offers, career changes and more!

Featuring actionable, practical how-to advice along with stories of REAL telecom employees Dennis has helped navigate through every benefits situation imaginable, each episode of “Your Telecom Retirement” focuses on how to maximize the money you take out of your time working for telecom.

Dennis’ expertise has been featured by Business Insider, The Boston Globe and Yahoo! Finance.

Connect with Dennis on LinkedIn: https://www.linkedin.com/in/dennisokeefe-/

Visit Dennis’ website: https://www.successfulmoney.com/