• Inherited IRA Options Every Widow Should Understand (Ep. 113)
    Jul 15 2026

    Losing a spouse often brings emotional and financial decisions that can affect your future for years to come.

    What happens when one of the largest assets you inherit is a retirement account? How do you know which choices may affect taxes, healthcare costs, income planning, and retirement flexibility?

    In this episode, I discuss one of the most important financial decisions many widows face after losing a spouse: what to do with an inherited IRA or retirement account. I explain the unique options available to surviving spouses, how inherited IRAs differ from rolling assets into your own IRA, and why those choices can influence retirement income, taxes, healthcare costs, and required distributions.

    We also share a real client example, common mistakes to avoid, and five key questions every surviving spouse should ask before making a permanent decision about inherited retirement assets.

    Key Takeaways:

    • Why surviving spouses often have retirement account options unavailable to other beneficiaries
    • How inherited IRA decisions may affect taxes, healthcare costs, and retirement income flexibility
    • Why age differences between spouses can influence future required minimum distributions
    • Common mistakes widows make when using inherited retirement assets for large expenses
    • Five questions that can help guide decisions before making permanent account changes
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • 2026 Tax and Retirement Planning Cheat Sheet
    • #66 – Understanding The Widow’s Penalty and What You Can Do About It

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
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    32 mins
  • Retirement Tax Cliffs: The Hidden Costs Every Woman Should Understand (Ep. 112)
    Jul 8 2026

    Retirement taxes aren’t always as straightforward as they seem. A decision that looks harmless today could create unexpected tax consequences, higher Medicare premiums, or reduced flexibility later.

    How do income sources, tax brackets, Social Security, and healthcare costs all work together in retirement? What happens when a major life event changes your filing status and reshapes your financial picture?

    In this episode, I discuss several retirement tax cliffs that can quietly affect retirement income planning, especially for women who are widowed, divorced, or managing finances independently. I explain how required minimum distributions, Social Security taxation, Medicare IRMAA surcharges, and healthcare subsidies can interact in ways many retirees don’t anticipate. We also share planning considerations that may help create greater flexibility, reduce surprises, and improve long-term retirement income decisions.

    Key takeaways:

    • How widowhood or divorce can trigger tax changes that affect income, Medicare costs, and planning flexibility
    • Why required minimum distributions may create ripple effects beyond simply increasing taxable income
    • How Social Security taxation can rise unexpectedly when additional retirement income enters the picture
    • Why Medicare IRMAA surcharges often surprise retirees years after a financial decision is made
    • Ways proactive tax planning may help create flexibility and reduce unintended retirement expenses
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • Ultimate Guide to Women’s Social Security Success
    • #54 – How Social Security Gets Taxed: What You Need to Know
    • #66 – Understanding The Widow’s Penalty and What You Can Do About It
    • #92 – Required Minimum Distributions (RMD) Explained: Risks, Timing, and Tax Planning Strategies
    • #111 – What Happens to Your Health Insurance When One Spouse Retires?

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
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    29 mins
  • What Happens to Your Health Insurance When One Spouse Retires? (Ep. 111)
    Jul 1 2026

    Healthcare decisions can become overwhelming quickly once retirement enters the picture, especially when one spouse is nearing Medicare eligibility, and the other is not.

    What happens if you lose employer coverage earlier than expected? How do you compare COBRA, Medicare, and ACA plans without creating confusion later?

    In this episode, I walk through the healthcare decisions many couples face before and during retirement. I explain how Medicare enrollment works, why COBRA can create unexpected long-term issues, and how healthcare costs often change once employer coverage ends.

    We also discuss the planning challenges couples face when spouses retire at different times, how ACA tax credits may still apply for some retirees, and why understanding your options early can help reduce stress later.

    Key takeaways:

    • Why delaying Medicare while on COBRA can create permanent late enrollment penalties later
    • How employer health insurance costs often rise sharply after moving onto COBRA coverage
    • Why couples retiring at different ages may need two separate healthcare planning strategies
    • How ACA tax credits may still help some retirees lower healthcare expenses before age 65
    • Why healthcare decisions should also be evaluated from the wife’s long-term perspective
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • 2026 Tax and Retirement Planning Cheat Sheet
    • Will Healthcare Change as I Transition into Retirement?

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
    Show More Show Less
    27 mins
  • Should You Stay in Your Home in Retirement? What Women Need to Consider (Ep. 110)
    Jun 24 2026

    Retirement brings freedom and flexibility, but it also raises important questions about how and where you want to live as life changes over time.

    What happens if your current home no longer fits your needs? How do you balance emotional attachment, financial realities, and practical lifestyle decisions while planning for the future?

    In this episode, I discuss how choosing where to live in retirement should be viewed as an ongoing process rather than a one-time decision. I share real conversations from our retirement planning practice about downsizing, staying in the family home, healthcare access, mobility concerns, and the emotional side of relocating later in life.

    We also explain why planning ahead can help retirees maintain independence and avoid difficult decisions during stressful moments.

    Key takeaways:

    • Looking beyond downsizing and focusing on how daily life may change throughout retirement
    • Preparing a current home for aging needs before mobility or health concerns become urgent
    • Weighing emotional attachment against financial and practical retirement decisions
    • Considering proximity to family, healthcare, and community support when relocating
    • Understanding how housing costs affect retirement income and long-term flexibility
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • #21 – Navigating Senior Living Decisions with Joyce Logan
    • #26 – Navigating the Solo Aging Journey
    • #60 – Downsize or Rent in Retirement? 5 Key Decisions You Should Consider

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
    Show More Show Less
    29 mins
  • Social Security Rules That No Longer Apply (Ep. 109)
    Jun 17 2026

    Outdated Social Security advice can create costly mistakes, especially when rules have changed, but old strategies are still being shared today.

    Have you ever heard someone say, “I was told I could do this with Social Security”? What if that advice no longer applies and could affect your retirement income for years to come?

    In this episode, I explain several Social Security filing strategies that used to work but no longer apply for many women today. I walk through common misunderstandings around ex-spousal benefits, deemed filing rules, restricted applications, and survivor benefits. I also clarify the important differences between rules for married spouses and divorced spouses, along with how filing early can reduce benefits.

    Key takeaways:

    • Why outdated Social Security strategies can create costly retirement income mistakes today
    • How the deemed filing rules changed spousal and ex-spousal benefit claiming options
    • The difference between survivor benefits and spousal benefits after divorce or widowhood
    • Why filing before full retirement age can permanently reduce monthly benefits
    • How working before full retirement age may temporarily reduce Social Security income
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • 2026 Tax and Retirement Planning Cheat Sheet
    • #14 – Top 5 Things Every Woman Should Know About Social Security
    • #24 – Understanding Spousal (and Ex-Spousal) Social Security Benefits
    • #37 – Top 5 Questions on Social Security Survivor Benefits
    • #63 – Social Security Planning After Divorce: Crucial Rules and Mistakes to Avoid
    • #85 – Social Security: Essential Rules for Women and Divorcees

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
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    29 mins
  • Social Security Q&A: What You Need to Know About Work, Taxes, and Medicare (Ep. 108)
    Jun 10 2026

    Planning for retirement often raises more questions than answers, especially when income, taxes, and timing all collide.

    How do working years, Social Security decisions, and required withdrawals shape your financial picture?

    In this episode, I walk through real questions from a recent Social Security webinar and explain how these decisions connect to your overall retirement plan. I cover how working impacts benefits, what to know about Medicare premiums, and how required minimum distributions can affect your income.

    We also break down how Social Security is taxed and why planning ahead matters more than reacting later.

    Key takeaways:

    • How working before full retirement age can reduce Social Security benefits through the earnings test
    • Why Medicare premiums are based on income from two years prior and how that impacts planning
    • How provisional income determines how much of Social Security becomes taxable income
    • What required minimum distributions mean for your future income and tax situation
    • Why retirement decisions should be made as part of a bigger financial picture, not in isolation
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • Ultimate Guide to Women’s Social Security Success
    • Webinar: Savvy Social Security Planning for Women

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
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    30 mins
  • The Hidden Cost of Caregiving and Why Families Need a Plan (Ep. 107)
    Jun 3 2026
    Caregiving often starts quietly, but its impact can quickly reshape careers, finances, and family dynamics. How prepared are you if a health event forces immediate decisions? And who is included in the conversations that matter most? In this episode, I speak with Lina Supnet-Zapata, Chief Executive Officer of Mir Senior Care Management, Inc. & Care Consultants, about the realities families face when caregiving begins without a plan. We explore how women often step into caregiving roles unexpectedly, the risks of leaving family members out of financial conversations, and why care planning must be integrated with financial and legal strategies to avoid costly, reactive decisions. Key takeaways: How caregiving responsibilities often surface unexpectedly, forcing women to pause careers and shift priorities quicklyWhy financial conversations should include multiple generations before a crisis occurs or decisions are neededThe difference between transactional advice and relationship-based guidance during emotional life transitionsHow reactive care decisions can lead to higher costs and added stress without a structured care plan in placeWhy collaboration between financial, legal, and care professionals leads to better outcomes for familiesAnd more! Resources: Get Your FREE Simply Retirement Roadmap 2026 Tax and Retirement Planning Cheat Sheet Connect with Eric Blake: www.TheSimplyRetirementPodcast.comJoin the Simply Retirement NewsletterAsk a Question or Suggest a Topic for the PodcastBlake Wealth ManagementYouTube Connect with Lina Supnet-Zapata: 512-615-6116LinkedIn: Lina Supnet-ZapataWebsite: Mir Care ConsultantsWebsite: Aging Life Care Association About our Guest: Lina Supnet Zapata leads a team of Aging Life Care Professionals, care strategists, who step in when complexity, crisis, or long-term planning demands more than surface-level solutions. With over 30 years in healthcare and a decade in hospice leadership, her work sits at the intersection of care, systems, and strategy where real-life decisions meet real-world consequences. Lina’s guidance and leadership at Mir Care Consultants has become a trusted resource for clients, families, and professional partners alike. Lina partners with attorneys, financial professionals, and healthcare systems not only to ensure that every legal, financial, or medical plan can actually be lived out, but to protect all parties involved. Her work plays a critical role in mitigating vertical liability for the professional partners she aligns with, providing the care expertise and documentation that shields clients and collaborators from gaps in oversight, advocacy, and follow-through. When professionals refer to Mir, they refer with confidence — knowing their clients are protected and their own professional integrity is safeguarded. Her role is to bring clarity to chaos, structure to uncertainty, and advocacy to those who need it most. Complex care is not a challenge Lina navigates around it is where she and her team excel. Through Mir, her team delivers: Comprehensive Aging Life Care ManagementGuardianship of Person & EstateBenefit Navigation (Medicaid, SSDI, and beyond)Crisis intervention and long-term care planningSupport for solo agers and complex family systems This work is done ethically, transparently, and without referral bias. Trust is the foundation of everything they do. That trust has been earned and sustained since 2004, built one client, one family, and one professional partnership at a time. Beyond her work at Mir, Lina serves in leadership with the Aging Life Care Association®, helping elevate the standard of aging life care management nationally. She is also a speaker, educator, and collaborator, working to ensure care is not an afterthought, but a central part of every professional conversation. Her work is about building systems of care that hold, over time, across generations, and through every stage of life. Complex care demands expertise, accountability, and trust. That is precisely what Lina Supnet Zapata and Mir Care Consultants deliver and have delivered, without compromise, for over two decades.
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    36 mins
  • Understanding Your Social Security Statement and What It Really Means (Ep. 106)
    May 27 2026

    Your Social Security statement might look simple, but the details behind it can shape your entire retirement plan.

    Are you only looking at the benefit numbers, or are you missing the bigger picture that could impact your future income?

    In this episode, I walk through how to properly read your Social Security statement and what it is really telling you beyond just your projected benefits. I explain how eligibility works, what assumptions are built into the estimates, and why your earnings history matters more than most people realize.

    We also cover how missing income years can affect your benefit, how to correct errors, and how continued work can change your outcome.

    Key takeaways:

    • Why your Social Security statement shows more than just benefit estimates and what those details mean
    • How eligibility for retirement, disability, survivor benefits, and Medicare is determined
    • The impact of missing or incorrect earnings history and how it can reduce your future income
    • Why estimates assume continued earnings and how changes in work affect projections
    • How working longer can increase benefits by replacing lower-income years in your record
    • And more!

    Resources:

    • Get Your FREE Simply Retirement Roadmap
    • Social Security Administration Website
    • Ultimate Guide to Women’s Social Security Success

    Connect with Eric Blake:

    • www.TheSimplyRetirementPodcast.com
    • Join the Simply Retirement Newsletter
    • Ask a Question or Suggest a Topic for the Podcast
    • Blake Wealth Management
    • YouTube
    Show More Show Less
    29 mins