Retirement planning involves far more than picking investments—and this episode explains why that belief causes problems. Randy and Peggy Fisher continue their discussion on common retirement myths, focusing on the idea that retirement is only about money in the market. They dig into income planning, taxes, Social Security, healthcare, and why decisions made without coordination can have unintended consequences. The conversation highlights how overlooked details—like where money is pulled from—can reshape retirement outcomes.

For more information visit www.therealretireesofnewjersey.com!

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Is Social Security really going broke, and does that mean you should take it as soon as possible? In this episode, Randy and Peggy Fisher unpack one of the most common—and emotional—retirement misconceptions. They discuss how Social Security is funded, what could change in the future, and why rushing to claim benefits without context can create long-term tradeoffs. The conversation also explores income gaps, survivor benefits, and why one-size-fits-all advice misses the mark.

For more information visit www.therealretireesofnewjersey.com!

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Scam tactics keep changing—and retirees are right in the crosshairs. In part two of this conversation, Randy and Peggy Fisher walk through the most common scams gaining traction in 2026, including fake law enforcement calls, jury duty threats, employment scams, and phishing emails. This episode focuses on how these scams work, what red flags to watch for, and why verifying before responding can make all the difference.

For more information visit www.therealretireesofnewjersey.com!

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Scams aren’t getting sloppier—they’re getting smarter. Randy and Peggy Fisher break down the latest scams targeting retirees, including fake lottery wins, genealogy letters, tech support traps, and AI‑driven impersonations. Drawing from real client stories and current AARP findings, the conversation highlights how scams evolve, why retirees are targeted, and the warning signs that matter most before personal information or money changes hands.

For more information visit www.therealretireesofnewjersey.com!

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Gold bars, late‑night commercials, and common sense collide in this candid retirement conversation. Randy & Peggy Fisher break down why commodities often spark emotional decisions, how diversification really works, and why balance matters more than headlines. Along the way, humor and real‑world examples keep the focus on practical planning over hype.

For more information visit www.therealretireesofnewjersey.com!

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What happens when headlines scream panic, gas prices jump overnight, and everyone assumes the worst for their money? In this episode of Real Retirees of New Jersey, Randy and Peggy Fisher cut through the noise surrounding geopolitical tension, market volatility, and rising energy costs. They unpack what’s actually driving the headlines, why markets often react before facts settle, and how emotional decision‑making can do more harm than good. The conversation centers on perspective, preparation, and staying grounded when uncertainty dominates the news cycle.

For more information visit www.therealretireesofnewjersey.com!

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What if waiting for “the perfect time” to take Social Security costs you the years you can never get back? Randy and Peggy Fisher break down real-life tradeoffs around Social Security timing, Medicare costs, COLA changes, and why bigger checks don’t always mean better outcomes. The conversation blends hard numbers with lived experience, highlighting how health, lifestyle, and time factor into retirement decisions. If retirement income feels more personal than mathematical, this episode brings clarity to the choices many families quietly struggle with.

For more information visit www.therealretireesofnewjersey.com!

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Small money decisions can quietly shape your entire retirement. This episode dives into practical financial fixes that can be tackled in under an hour—from insurance reviews and unclaimed assets to Social Security account mistakes that can cause major headaches. Randy and Peggy Fisher keep it real, sharing everyday examples that show how overlooked details add up over time. It’s a reminder that retirement confidence often comes from cleaning up the basics, not chasing complex strategies.

For more information visit www.therealretireesofnewjersey.com!

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