Episode 111: "Retirement 2026: New Rules, Debt & the Emotional Shift"

Retirement is changing in 2026 - and so are the rules.In this episode, Tom breaks down the most important retirement updates for 2026, including changes to Social Security, COLA, Medicare, taxes, and catch-up contributions.He also tackles a critical retirement question: Should you be debt-free before retiring? Learn the real difference between entering retirement with debt versus without and how it can impact your income, flexibility, and peace of mind.Plus, Tom answers a listener question many people are afraid to ask: Is it normal to dread retirement? He discusses the emotional and relational shifts that often come with this transition, and how to prepare for more than just the financial side of retirement.Chapters00:00 IntroRetirement Changes in the New Year02:40 COLA03:55 Medicare05:15 Commissionable Products08:15 Taxes & Social Security 11:19 Catch-Up ContributionsSongs “On the Money”17:20 “Mo Money” Notorious B.I.G20:12 “Money Changes Everything” Cyndi Lauper22:40 “Take the Money & Run” Steve Miller26:26 “For the Love of Money” The O’JaysHow to Handle Debt30:40 Going into Retirement with No Debt34:15 Bad Debt vs. Good Debt36:55 Do you Need to be Debt Free before Retiring?38:30 Retirement Blueprint ExplainedListener E-Mails41:25 Dreading Retirement – Is this Normal?44:50 Saving for Retirement as a Business OwnerReady to plan your retirement? Do you have specific questions for Tom and the team at Mosley Wealth Management? Contact us here   https://mosleywealthmanagement.com/contact/ ===================================================If you enjoy this content, please 𝐒𝐔𝐁𝐒𝐂𝐑𝐈𝐁𝐄! https://www.youtube.com/channel/UCPMvD3G1cZA1Kz4CKnwynhA?sub_confirmation=1=================================================== ⭐ 𝐂𝐎𝐍𝐍𝐄𝐂𝐓 𝐖𝐈𝐓𝐇 𝐔𝐒 𝐎𝐍 𝐒𝐎𝐂𝐈𝐀𝐋 𝐌𝐄𝐃𝐈𝐀⭐ - Facebook: https://www.facebook.com/mosleyeaseintoretirement- Instagram: https://www.instagram.com/easeintoretirement/- LinkedIn: https://www.linkedin.com/company/mosley-wealth-managementLearn the key components you need to include in your retirement plan:Check this video out: https://youtu.be/QkJzvbZ_gDs#RetirementPlanning #RetirementRisks #RetirementBlueprint #LongevityRisk #MarketRisk #TaxPlanning #LongTermCare #Social Security#Retirement #RetirementReady #FinanicalAdvisors #RetirementSavings #Retirement #HowtoPrepareforRetirement #RetirementTips #RetirementStrategyDISCLOSURE: Investment advisory services offered by duly registered individuals through Mosley Wealth Management, Inc. (“MWM”). MWM and Mosley Insurance and Financial Services are affiliated companies by common ownership. License # 0K76766 Investing involves risk, including the potential loss of principal. Any references to protection, safety, or lifetime income, generally referred to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength claims paying abilities of the issuing carrier. This content is intended for informational & educational purposes only. It is not intended to be used as the sole basis for financial decisions nor should it be construed as advice designed to meet the needs of an individual situation. All hypothetical examples are provided for illustrative purposes only; they do not represent real life scenarios. Mosley Insurance & Financial Services nor its agents or representatives may not give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any investment decisions. Our firm is not affiliated with or endorsed by the US government or any governmental agency. Some of the information provided may be from one or more third parties which we believe to be reliable sources, but accuracy and completeness cannot be guaranteed by Mosley Insurance & Financial Services.For more information, visit: www.mosleywealthmanagement.com