PODCAST · education
Retirement Solutions for All Ages
by Ruth Johaningsmeir
Welcome to Retirement Solutions for All Ages, the podcast that cuts through the noise and provides clear, actionable financial insights for every stage of life. Join Ruth, The Retirement Mortgage Expert, as she tackles the real-life questions and hidden truths about money, homeownership, and securing your financial future.From demystifying the magic of compounding interest for young professionals just starting their careers, to navigating complex family dynamics around aging parents, to debunking outdated mortgage myths, Ruth shares practical strategies and empowering perspectives.
Episodes
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Protect Your Heirs: Recourse vs. Non-Recourse Loans Explained | Retirement Mortgage Strategies
What happens to your mortgage debt after you’re gone—and could it impact your heirs? In this episode of Retirement Solutions for All Ages, Ruth, the Retirement Mortgage Expert at NEXA Mortgage, breaks down one of the most important (and misunderstood) topics in retirement and estate planning:...
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New Career Starts: Un-Retiring, Big Job Moves & Gen Z/Millennial Tips w/ Mike Dwyer of Emplana
Ready to rethink work, no matter your age or next chapter? In this episode we sit down with career advisor Mike Dwyer — founder of Emplana Career — to unpack how retirees are going back to work, job changers are shifting paths, and younger generations are entering — or re-entering — the workforce...
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Medicare Masterclass: Everything You Need to Know (2025 Edition)
Unlock the essential guide to Medicare in this "Special Edition Interview" comprehensive podcast episode! Whether you’re turning 65, helping a loved one enroll, or simply want to understand the changes coming in 2025, we’ve got you covered.In this episode, you'll learn:A breakdown of Medicare…
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Downsize, Up-size, or Right-Size with a Reverse Mortgage - Episode 15 - Retirement Solutions for All Ages
Are you 62 or older and ready for a new home. Ruth, The Retirement Mortgage Expert, introduces the powerful Reverse Mortgage for Purchase (HECM for Purchase). This program allows you to buy a new primary residence with no required monthly principal and interest payments. Learn how the HECM for...
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Grandma's on the Roof: Navigating Life's Unpredictable Storms - Podcast Episode 14 - Retirement Solutions for All Ages
Life throws curveballs—from a global pandemic and devastating hurricanes like Hurricane Ian to surprise vet bills and financial scams. Join Ruth, The Retirement Mortgage Expert, as she dives into the compelling and emotional stories from her book, "Grandma's on the Roof." Hear how three retired...
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Home Equity as a Tool or a Lifeline - Episode #12: Retirement Solutions for All Ages
In this powerful episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, shares stories that reveal the dual nature of home equity. Drawing on her grandfather's immigrant story and personal client experiences, Ruth explores how a reverse mortgage can serve as…
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Retirement Isn't a Finish Line: Why Your Plan Needs to Evolve - Episode #11
In this deeply personal and insightful episode of "Retirement Solutions for All Ages," host Ruth challenges the notion that retirement planning ends when you retire. For those already in their golden years, Ruth reveals the new realities of an evolving retirement, from increased longevity and…
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The Emotional Marathon: Selling Your Parents' Home with Grace Episode 10 Retirement Solutions for All Ages
In this compassionate and final episode, host Ruth, the Retirement Mortgage Expert, guides listeners through the emotional and financial journey of selling a parent’s home. Drawing from a powerful MarketWatch article, Ruth explores why this process is more than a transaction—it's an "emotional...
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Are You and Your Siblings Arguing Over What to Do with Mom? Episode 9
Episode 9: Are You and Your Siblings Arguing Over What to Do with Mom?In this episode of "Retirement Solutions for All Ages," host Ruth tackles a painful family dilemma: the post-loss conflict among siblings over a parent’s care. Ruth shares how a reverse mortgage can be a strategic tool to bring...
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Are You and Your Spouse Arguing Over a Parent Coming to Live with You? Podcast Episode 8
In this emotionally resonant episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, confronts a common family dilemma: the stress and conflict that arise when a parent needs to move in. Ruth explores how a strategic financial tool—the reverse mortgage—can…
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BRRRR: Beyond the 401(k) for the Healthcare Hero - Podcast Episode 7 - Retirement Solutions for All Ages
In this episode of "Retirement Solutions for All Ages," we dive into the powerful BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) with the story of a dedicated healthcare hero in rural North Carolina. Host Ruth, the Retirement Mortgage Expert, reveals how this client used a HELOC (Home Equity...
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Are Millennials Ditching Gen X Retirement Strategies? Episode 6 Retirement Solutions for All Ages
Retirement planning isn't one-size-fits-all. In this eye-opening episode of Retirement Solutions for All Ages, host Ruth, The Retirement Mortgage Expert, explores the surprising ways millennials are forging their own path to financial independence, completely different from Gen X.Based on an...
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The Ultimate Head Start: Buying a Home at 18-Year-Old - Episode # 5 Retirement Solutions for All Ages
What if the best retirement plan started the day a child was born?In this episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, reveals how parents and grandparents can give the ultimate gift: financial freedom. We explore a game-changing strategy that goes...
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Your First House: The Ultimate Retirement - Podcast Episode #4 Retirement Solutions for All Ages
First-Time Home Buyer? Your Home is The Ultimate Retirement Asset! (Podcast Episode)Are you a renter wondering how you'll ever save enough for retirement? It's time to stop letting your money go to a landlord and start building real wealth!In this episode of "Retirement Solutions for All Ages,"...
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Episode 3: Is Your Mortgage Mindset Outdated? The 30-Year Myth Debunked! Retirement Solutions for All Ages
Are you holding onto an outdated mortgage mindset? In this eye-opening episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, challenges the ingrained "American Dream" of paying off your home early. Discover the historical roots of this belief, stemming from…
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Retirement Solutions for All Ages Episode 2: What is Financial Literacy? It's More Than Just Math!
Go beyond budgeting! In this insightful episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, uncovers the true meaning of financial literacy. It's not just about numbers; it's about mindset, upbringing, and psychology. Discover how deeply ingrained beliefs...
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Retirement Solutions for All Ages Episode 1: Your First Paycheck & The Magic of Forever Money!
Unlock the secret to a brighter financial future! In this essential episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, reveals how your first paycheck can become your ticket to financial independence. Discover the incredible power of compounding interest,...
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Are Millennials Ditching Gen X Retirement Strategies? Will It Pay Off?
Millennials vs. Gen X: A New Blueprint for Retirement? Are millennials really ditching the traditional retirement playbook? Inspired by a thought-provoking Kiplinger article by Donna Fuscaldo, this episode explores the new rules of saving for the future. We'll break down how millennials are...
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Are you and your siblings arguing over what to do with Mom?
The Sibling Showdown: What to Do When You Can't Agree on Mom's Care You love your siblings, but when it comes to Mom's care, it feels like you're on different planets. If you're caught in a cycle of arguments over medical decisions, living arrangements, or finances, you're not alone. Join us as…
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Top 1% or 5% But Can't Get a Mortgage?! Retirement Solutions for All Ages
Retirement Solutions for All Ages Podcast. You had a HUGE year after the pandemic, and now you want to buy your dream home. This is for YOU! I’ll reveal why traditional mortgages can be tricky for commission earners and how to get approved. #Ruth4Loans #RuthatNEXA #4NCLoans #4FLLoans...
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ABOUT THIS SHOW
Welcome to Retirement Solutions for All Ages, the podcast that cuts through the noise and provides clear, actionable financial insights for every stage of life. Join Ruth, The Retirement Mortgage Expert, as she tackles the real-life questions and hidden truths about money, homeownership, and securing your financial future.From demystifying the magic of compounding interest for young professionals just starting their careers, to navigating complex family dynamics around aging parents, to debunking outdated mortgage myths, Ruth shares practical strategies and empowering perspectives.
HOSTED BY
Ruth Johaningsmeir
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Frequently Asked Questions
How many episodes does Retirement Solutions for All Ages have?
Retirement Solutions for All Ages currently has 20 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Retirement Solutions for All Ages about?
Welcome to Retirement Solutions for All Ages, the podcast that cuts through the noise and provides clear, actionable financial insights for every stage of life. Join Ruth, The Retirement Mortgage Expert, as she tackles the real-life questions and hidden truths about money, homeownership, and...
How often does Retirement Solutions for All Ages release new episodes?
Retirement Solutions for All Ages has 20 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Retirement Solutions for All Ages?
You can listen to Retirement Solutions for All Ages on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Retirement Solutions for All Ages?
Retirement Solutions for All Ages is created and hosted by Ruth Johaningsmeir.
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