#212 - "Hot topics" edition...Andy and Tanya Nichols talk about having mortgages in retirement, when to start spending down HSAs, what might happen to Social Security and MORE!

Andy and Tanya Nichols from Retire Agile share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about:How we help clients get over the hurdle of actually spending their savings ( 10:27 )Their thoughts on having mortgages in retirement ( 22:27 )What they think is likely to happen to the Social Security system, and what changes might be made in advance of the trust fund depleting in a few years ( 34:56 )When people should start spending down their Health Savings Accounts, or HSAs ( 44:10 )Some state-specific tax planning considerations to keep in mind ( 53:07 )Their thoughts on living/revocable trusts, when they're needed, when they're not, etc. ( 1:03:12 )Alternatives to bond for people looking for investments that sit between the volatility and growth potential of stocks, and the stability and principal protection of cash and cash equivalents ( 1:16:39 )Links in this episode:Retire Agile website - https://www.retireagile.com/To send Andy questions to be addressed on future Q&A episodes, email [email protected] company newsletter - Retirement Planning InsightsYouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com