Retire Now DMV

Are alarming Medicare Part D headlines causing uncertainty about your retirement plan? This episode digs beneath sensational stories, unpacking what’s really changing—and what isn’t—for federal retirees and beyond. Discover overlooked risks, misunderstood benefits, and why having a tailored strategy matters more than ever. Tune in to find out how staying informed—and proactive—can make all the difference when policies, taxes, and markets shift.

What if the hardest part of retirement isn’t saving, but spending? Many who’ve prepared diligently for decades discover that letting go—and truly enjoying their wealth—can be the toughest switch to flip. This episode dives deep into the unique emotional and financial hurdles retirees face, from the psychological grip of “just-in-case” planning to silent threats like inflation and taxes. Join Momodou Bojang and Nikki Vivas as they explore actionable strategies and stories to help you gain confidence, guard your retirement, and avoid missing out on the moments that matter most.

“What’s the one question that could make or break your retirement?” In today’s episode, Nikki Vivas and Momodou Bojang dig into the five most common—and most misunderstood—questions retirees bring to their financial advisors. Uncover why old rules may not fit new realities, and hear candid conversations about income strategies, Social Security timing, tax traps, and what really happens when you try to go it alone. The mood is honest, practical, and full of insights, but key answers stay just out of reach, urging you to explore your own retirement path.

I’ll bet a lot has happened to you in the last 20 years that you didn’t see coming. You probably had some unexpected blessings and also some obstacles to overcome. Either way, there were some big unknowns in your past and they’ll continue in the future.

When we think about risks to retirement, it’s natural to focus on the big, dramatic market downturns—like those we’ve seen in the past and will undoubtedly face again in the future. But those aren’t the only threats. The looming possibility of higher taxes, persistent inflation, and other challenges all contribute to the very real fear of outliving your savings. 

Most people spend decades learning how to save for retirement — maxing out their 401k, watching their balance grow. But there's almost no education about the next chapter: turning that balance into income.

A mid-year check-in is essential to help ensure your financial plan adapts to life changes like new jobs, marriage, or family additions.

You hear Momodou’s voice on the radio and perhaps you’ve seen their face on advertising around your area, maybe you even have a friend or an acquaintance who works with Momodou. But how much do you really know about him/her? 

With rising costs and longer lifespans, the old rules for retirement income no longer apply. The key to a secure retirement in 2025 isn't just about how much you've saved – it's about creating reliable, monthly income. Listeners are invited to schedule a free financial review to find their personal retirement number and build a durable income strategy.

Mentally, being ready to retire probably means you’re done waking up at 6am to go to a job you’re not excited about. If it were as simple just quitting, many of us would retire by 25. The reality is, you need to be financially healthy enough to retire. Here are some signs you might need to hold off.

When you build your financial house, where do you start? It starts with a blueprint, a plan. But what makes up the essential parts of a house? The foundation, walls and the roof. As with any house, you want a strong foundation for which to build the house on and then fortify your house with the walls and the roof. But how does all that work together?

When we think about retirement and what you need to focus on with your money, four things often come to mind, and we think that everyone in retirement needs to consider at least these four things in their plan in varying levels – Preservation, Growth Potential, Income and Liquidity.