The Real Money Coach Podcast

How much should you really be saving for retirement, and does one number fit everyone? In this episode, Tony unpacks common retirement rules of thumb, including saving percentages, the so-called retirement “red zone,” and why lifestyle, not formulas, drives real planning. They discuss balancing risk as retirement approaches, protecting against market losses, and thinking beyond the first few years of retirement. The conversation highlights how personal goals, family considerations, and longevity expectations shape long‑term strategies, and why individualized planning matters at every age, from your 30s to well into retirement.   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666   Please visit the website TheRealMoneyCoach.com to register for upcoming eventsSee omnystudio.com/listener for privacy information.

  Why do retirees with “unchanging income” keep ending up with surprising tax bills? In this episode Tony Jackson breaks down why taxes often rise in retirement and how fragmented planning leaves people overexposed. The conversation explores Social Security taxation, the limits of account‑by‑account thinking, and why a clear asset map can reveal hidden risks, from taxes and market swings to healthcare and longevity. He also connects retirement planning to estate planning, explaining how gaps and missing documents can create costly complications later. It’s a wide angle look at how taxes, income, and legacy all intersect in retirement. For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666   Please visit the website TheRealMoneyCoach.com to register for upcoming eventsSee omnystudio.com/listener for privacy information.

More Americans are tapping their 401(k)s just to get by, and that trend carries consequences many don’t see coming. In this episode, Tony walks through why retirement accounts are increasingly treated like emergency ATMs, how the shift from pensions to 401(k)s changed long‑term planning, and why financial literacy plays a major role in today’s money stress. The conversation covers emergency savings, learned money behaviors, budgeting fundamentals, and the risks of borrowing from your future to fund the present. He also discusses why retirement planning looks different for everyone and how asking better questions can lead to clearer decisions about income, taxes, and long‑term strategy.   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666   Please visit the website TheRealMoneyCoach.com to register for upcoming events Upcoming Events Increase, Protect, and Dominate Your Money & Your Legacy April 25th10:00 AM ET Mt. Olive Baptist Church  2464 Rock Mill RoadHenderson, NC 27537  See omnystudio.com/listener for privacy information.

  What if your retirement account isn’t really as “yours” as you think? Using an unexpected Oscar statuette analogy, this episode digs into who actually controls your 401(k), why taxes can quietly reshape your nest egg, and how “paper gains” differ from real-world outcomes. Tony breaks down qualified vs. non‑qualified accounts, Roth strategies, and common retirement myths that still trip people up, from Social Security fears to the 4% rule. The conversation takes a practical look at taxes, longevity, healthcare costs, and spending habits, emphasizing why retirement planning needs a broader lens than market performance alone.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666   Please visit the website TheRealMoneyCoach.com to register for upcoming events Upcoming Events Increase, Protect, and Dominate Your Money & Your Legacy April 25th10:00 AM ET Mt. Olive Baptist Church  2464 Rock Mill RoadHenderson, NC 27537  See omnystudio.com/listener for privacy information.

Annuities get labeled a “bad word,” but the real issue is how little people understand what they’re buying. In this episode, Tony Jackson unpacks common annuity misconceptions, why two people can own the same type of product with very different outcomes, and where mistakes often happen before the paperwork is signed. The conversation centers on asking the right questions, understanding fees and features, and matching financial tools to specific goals like income, growth, or legacy planning. They also explore the role of trust, advisor fit, and why regular reviews matter as life changes, markets shift, and retirement plans evolve.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666   Please visit the website TheRealMoneyCoach.com to register for upcoming events Upcoming Events Increase, Protect, and Dominate Your Money & Your Legacy April 25th10:00 AM ET Mt. Olive Baptist Church  2464 Rock Mill RoadHenderson, NC 27537  See omnystudio.com/listener for privacy information.

What if the biggest threat to your retirement isn’t the market—but your emotions?In this episode of The Real Money Coach Podcast, Tony Jackson unpacks how headlines, fear, and financial “programming” can drive smart people into bad money decisions. From market volatility and FOMO to misconceptions about diversification and retirement income, the conversation centers on replacing reaction with strategy. Tony explains why planning should be rooted in real numbers, personal goals, and life stages—not hope or hype. Along the way, they explore why one-size-fits-all portfolios fail, how emotions still matter, and why the right coach and plan can change how confident retirement feels.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Many people aren’t facing a retirement shortfall—they’re facing a confidence gap. In this episode, Tony Jackson responds to recent research highlighting why so many Americans feel unprepared for retirement, even after years of saving. The conversation focuses on the importance of having a written plan, understanding how savings turn into income, and making sure accounts are positioned to work together. Listeners will hear why retirement looks different for everyone and how clarity, organization, and strategy can replace uncertainty with direction.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

The biggest threats to retirement often come from assumptions we don’t even realize we’re making. In this episode of The Real Money Coach, Tony Jackson challenges common beliefs about longevity, health, inflation, markets, and taxes—and explains how those assumptions can quietly undermine retirement plans. The conversation covers living longer than expected, required minimum distributions, tax traps for retirees and heirs, and why planning for uncertainty matters more than hoping for stability. It’s a practical discussion about aligning money with real life, not ideal scenarios.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Is saving a flat 10% really enough—or even the right question to ask? In this episode, Tony Jackson challenges one‑size‑fits‑all retirement rules and shifts the conversation toward lifestyle, risk, and timing. The discussion explores how saving rates change over a career, why the “retirement red zone” matters, and how market losses close to retirement can have an outsized impact. Tony also unpacks why withdrawal rules and generic formulas often fall short, emphasizing planning around real life instead of rigid percentages.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Living into your 80s and 90s is becoming common—but planning your money to last that long isn’t. In this episode of The Real Money Coach Podcast, Tony Jackson dives into longevity planning and the real challenges of stretching retirement dollars over decades. The conversation explores sequence of returns risk, taxes, healthcare costs, Social Security, and why assumptions made during the saving years can quietly undermine retirement. Through personal stories and real‑world examples, the episode highlights why strategy, preparation, and flexibility matter when life expectancy keeps rising. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Your first retirement meeting isn’t about numbers—it’s about you! In this episode of The Real Money Coach Podcast, Tony Jackson explores why mindset, honesty, and communication shape every financial decision that follows. The conversation looks at what really happens in an initial planning meeting, how couples often come in with unspoken fears or different visions, and why judgment‑free dialogue matters before any strategy is built. It’s a thoughtful discussion on aligning faith, finances, and expectations at the starting line of retirement planning.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What happens if Social Security pays less than expected? In this episode of The Real Money Coach, Tony Jackson examines growing concerns around the future of Social Security and what potential funding shortfalls could mean for retirement income. The conversation explores why relying too heavily on a single source can create vulnerability, how longevity and workforce changes are straining the system, and why diversified income planning matters. A thoughtful discussion on preparing for uncertainty, building multiple income streams, and approaching retirement with intention rather than assumption. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

A new tax deduction for seniors sounds simple—until you see how it fits into the bigger retirement tax picture. On this episode of The Real Money Coach, Tony Jackson breaks down the new senior deduction, how it phases out, and why taxes remain one of the most misunderstood parts of retirement. The conversation expands into tax mitigation versus tax filing, Roth strategies, income planning, and the role of financial education after the paycheck stops. It’s a wide‑ranging discussion focused on understanding how money works, planning ahead, and avoiding costly assumptions about retirement taxes.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

When headlines get loud, fear is easy—but preparation takes discipline. In this episode of The Real Money Coach Podcast, Tony Jackson discusses why wisdom, not worry, should shape financial decisions during uncertain times. Drawing on decades of experience and lived perspective, he breaks down how retirement planning must balance protection, growth, and flexibility. The conversation also touches on market uncertainty, spending confidence in retirement, income psychology after paychecks stop, and how education—not reaction—guides better choices. It’s a thoughtful look at preparedness, faith, and planning beyond short‑term noise.     If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What happens when a celebrity discovers the fine print on a multimillion‑dollar insurance policy isn’t what they thought? In this episode, Tony Jackson breaks down the lawsuit involving NASCAR driver Kyle Busch and the lessons every retiree can take from it. From understanding how indexed universal life policies actually work to knowing what questions uncover hidden fees, Tony explains why education, transparency, and annual reviews are essential. If you’ve ever felt confused by financial jargon or wondered whether your advisor is giving you the full story, this conversation offers clarity and real‑world insight you can use today. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What does Shohei Ohtani’s $700 million contract have in common with your retirement plan? In this episode of The Real Money Coach podcast, host Tony Jackson explores the power of deferral -- repositioning income for future financial security. Learn how strategies like delaying Social Security, using tax-advantaged accounts, and balancing cash flow with guaranteed income can help retirees navigate timing, taxes, and inflation. Tony shares practical questions to ask your advisor, the importance of annual portfolio reviews, and why a disciplined approach matters more than a lucky guess. Tune in for relatable stories and actionable insights to help you rethink your financial future. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What does a mysterious object in space have to do with your retirement? In this episode of The Real Money Coach podcast, host Tony Jackson draws a surprising parallel between cosmic unknowns and the uncertainties of financial planning. Tony shares practical strategies for retirees to prepare for market volatility, recessions, inflation, and unpredictable tax changes—emphasizing the importance of personalized plans, guaranteed income, and tax diversification. Discover why financial confidence isn’t about predicting the future, but about being ready for whatever comes your way. Tune in for real-world advice and a fresh perspective on building a resilient retirement plan. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

How many income streams does your retirement plan really need? In this episode of the Real Money Coach Podcast, Tony Jackson breaks down why a single source isn’t enough—and how building “income rivers” can protect your financial future. From Social Security and annuities to stocks, bonds, and part-time work, discover how to balance stability, growth, and flexibility for a resilient retirement. Learn why withdrawal strategies, timing, and personal goals matter as much as the numbers. Tune in for practical tips and fresh perspectives on creating a well-diversified financial safety net. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Could your financial habits be quietly aging your retirement plan? In this episode of the Real Money Coach Podcast, host and financial coach Tony Jackson reveals the everyday behaviors that can sabotage your financial future—from waiting to save and missing employer matches to borrowing from retirement accounts and underestimating expenses. Discover why a “spending plan” beats a budget, how compounding works in your favor, and why diversifying your tax buckets matters. Tune in for practical insights and mindset shifts to help you build a stronger financial foundation, no matter where you start.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Did you know there are over 500 ways to claim Social Security—and your choice could shape your retirement for decades? In this episode, Tony Jackson unpacks the maze of Social Security options, from timing your benefits to understanding spousal and survivor rules. Tony discusses how Social Security fits into a broader retirement plan, the impact of working in retirement, and why a holistic approach is essential. If you’re feeling overwhelmed by the decisions ahead, tune in for practical insights and relatable stories that make complex topics accessible. Explore more at TheRealMoneyCoach.com and take the first step toward informed retirement planning.   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

Are you missing out on crucial year-end financial moves? In this episode, Tony Jackson breaks down the essential steps to finish the year financially strong—from Roth conversions and FSA strategies to tax-loss harvesting and charitable giving. Discover why a pre-year-end tax review could save you money, how to avoid letting your FSA dollars vanish, and what makes timing so important for retirement account decisions. Tony shares practical tips and relatable stories to help you reflect on your goals and set yourself up for a successful new year. Listen in and get inspired to take action before December 31st!   If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected]   For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What happens when the safety net of a federal job disappears overnight? In this episode of The Real Money Coach Podcast, Tony Jackson dives into the emotional and financial complexities of year-end planning—especially for federal employees navigating buyouts and retirement. From redefining purpose after decades of service to understanding the difference between tax prep and tax planning, Tony offers clarity without pressure. He unpacks common misconceptions, the importance of income replacement, and why your financial strategy should evolve with your life. Whether you're stepping into retirement or just rethinking your next move, this episode is packed with insight. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

What if your financial story isn’t about numbers—but about legacy, values, and the courage to begin? In this premiere episode of The Real Money Coach Podcast, host Tony Jackson shares the pivotal moments that shaped his mission to help families build generational wealth. From redefining budgeting as a “spending plan” to the emotional ties behind financial decisions, Tony opens up about faith, family, and the lessons learned through personal loss. Whether you're just starting out or reevaluating your financial path, this episode invites you to rethink what success truly means. If you’d like to learn more about planning for your future, schedule your complimentary consultation by visiting TheRealMoneyCoach.com or by emailing [email protected] For more information follow us on LinkedIn or YouTube or call us @ (704) 954-8666See omnystudio.com/listener for privacy information.

The Real Money Coach Podcast is your go-to source for financial empowerment, hosted by the dynamic Rev. Tony R. Jackson. With a career spanning finance, entrepreneurship, and ministry, Tony brings a unique blend of expertise and inspiration to every episode. From his early days as an Accounting Supervisor to becoming a nationally recognized Financial Services Professional, Tony’s engaging style and deep wisdom will leave you informed and inspired. With over 20 years in ministry and a heart for service, Tony’s message is clear: real money starts with real understanding.See omnystudio.com/listener for privacy information.