In this final episode of the year, Carol Dewey guides listeners through a powerful year-end reflection designed to help them close 2025 with clarity and enter 2026 with purpose and alignment. Rather than traditional resolutions, Carol offers three intentional questions that help retirees and pre-retirees evaluate their progress, release what’s no longer serving them, and set meaningful priorities for the new year.

Listeners are encouraged to pause, reflect, and reconnect with the deeper purpose behind their financial strategies—ensuring their wealth supports a life of peace, fulfillment, and abundance.

Key Takeaways

1. What worked well this...

Duration: 00:08:14

In this Thanksgiving-themed episode of Navigating an Abundant Retirement, host Carol Dewey explores the deeper meaning of abundance—one that goes beyond account balances and market performance. Carol introduces the concept of the Gratitude Portfolio: the collection of invisible yet invaluable assets that create peace, joy, and purpose in retirement.

Listeners learn why gratitude is not just an emotion but a mindset that shapes financial clarity, confidence, and decision-making. Carol walks through the four key “asset classes” of the gratitude portfolio—relationships, health, time, and purpose—and offers a practical exercise called the Gratitude Audit to help retirees r...

In this year-end episode of Navigating Abundant Retirement, Carol Dewey breaks down five essential financial moves to make before December 31st. These simple but strategic actions can help you reduce taxes, improve income planning, and set up a stronger financial foundation for 2026.

🔑 Short Key Takeaways

1. Confirm Your RMDs & Use QCDs

Avoid the 25% penalty and use charitable giving to reduce taxable income.

2. Make Strategic Roth Conversions

Convert just enough to stay in your current tax bracket while rates are still low.

3. Harvest Losses (and Gains)

Use los...

In this powerful episode of Navigating Abundant Retirement, host Carol Dewey shifts the conversation from traditional returns and market metrics to something far deeper: Return on Intention.

Carol explores why many retirees feel financially successful but emotionally unfulfilled — and how reconnecting money to meaning can transform the retirement experience. Through real client stories and a three-level framework (Stability, Security, Significance), she explains how to align your wealth with your values, your purpose, and the life you truly want to live.

This episode is a reminder that retirement isn’t just about having enough — it’s about kn...

In this episode, Carol Dewey takes a hard look at the financial myths that hold retirees back from living with true abundance. Inspired by Garrett Gunderson’s Killing Sacred Cows, Carol exposes the traditional money beliefs that keep investors anxious, reactive, and stuck in scarcity thinking.

From the illusion that “you must take big risks to get big rewards” to the outdated idea that “retirement is the finish line,” Carol helps you reframe wealth through the lens of stewardship, clarity, and confidence.

Key Takeaways:

💡 Myth #1 – “You have to take big risks to get big rewards.”

In this episode, Carol Dewey dives into how investors can stay calm and confident when financial waters turn turbulent. Using the unforgettable metaphor of shark-infested markets, Carol explains how fear and uncertainty can drive poor decisions—and how to protect your portfolio when the market starts to churn.

Drawing from a real client story, Carol highlights how a well-structured plan can replace panic with peace of mind. You’ll also learn the four key traits of a disciplined investment approach and how Perpetual Wealth Financial helps clients navigate uncertainty with clarity, confidence, and control.

Key Take...

Duration: 00:10:23

Volatility is back — but panic shouldn’t be part of your portfolio.

In this episode of Navigating Abundant Retirement Radio, Carol Dewey breaks down why markets are swinging, what’s really happening beneath the headlines, and how disciplined investors can sleep in peace — even when Wall Street doesn’t.

From geopolitical tensions and Fed policy shifts to silver’s surprising strength, Carol explains how tactical strategies and safe-money planning can help you stay confident no matter what the markets do next. You’ll also learn how her firm’s Sleep in Peace Strategy helps clients protect their we...

In this episode, Carol Dewey challenges the myth that your business must be perfect before it’s ready to sell. The truth? Strategic buyers aren’t looking for perfection—they’re looking for potential.

Carol unpacks how smart acquirers see opportunity in imperfection and how business owners can reframe their flaws as selling points. From understanding the difference between fatal flaws and fixable flaws to positioning your business story in the right way, this episode empowers business owners to view their companies through the eyes of strategic buyers.

Key Takeaways:

💡 Perfection is overrated. Buyers valu...

In this episode of Navigating Abundant Retirement, Carol Dewey dives into one of the most powerful yet overlooked drivers of company value — Monopoly Control.

When you build a moat around your business, you stop competing on price and start commanding premium valuations. It’s not about being the biggest in your industry — it’s about being the only one in your niche who solves a critical problem better than anyone else.

Carol shares real-world stories, including how one founder outperformed billion-dollar competitors not by expanding, but by focusing. You’ll learn how clarity, specialization, and defensibil...

In this Special Market Report, Carol Dewey unpacks one of the market’s biggest surprises — a rally during a government shutdown. While headlines scream uncertainty, history tells a very different story.

Carol explains why the market is celebrating instead of panicking, what weak payroll and manufacturing data mean for Federal Reserve policy, and how seasonal patterns could make October a strong month for investors.

Tune in to understand why long-term investors shouldn’t be rattled by short-term noise — and how temporary disruptions often create opportunity.

What You’ll Learn in This Episode

Most CPAs are historians—they tell you what happened last year. But business owners and high-net-worth families can’t afford to just look backward. In this episode, Carol Dewey introduces The Crown Program: an exclusive, invitation-only approach to advanced tax and business planning designed to help you keep more of what you’ve built, protect your legacy, and exit without regret.

What You’ll Learn in This Episode:

Selling your business is one of the biggest financial turning points in your life—but without planning, you could lose 30–40% of its value to taxes. In this episode, Carol Dewey breaks down how to turn tax traps into tax savings so you can exit with confidence and without regret.

Carol shares real-life case studies of business owners who reduced their tax bills by millions using strategies like installment sales, charitable remainder trusts, deferred sales trusts, opportunity zone funds, and wealth replacement trusts. You’ll learn why the time to plan is before you sell—not after the ink is d...

Many business owners fall into the trap of treating their company like a personal piggy bank. Running lifestyle expenses through the business might feel like a smart tax move today — but when it’s time to sell, those shortcuts can slash millions off your valuation.

In this episode, Carol Dewey pulls back the curtain on how “tax tricks” and commingled expenses quietly erode enterprise value, destroy EBITDA multiples, and compromise your long-term legacy. Through real-world case studies — from a dry cleaner to a physician group to a franchisee — you’ll see the hidden cost of short-term thinking and how to rep...

Your business is being valued every single day — whether you realize it or not. The choices you make now determine whether buyers see a thriving, transferable company… or a risky operation that depends too much on you.

In this episode, Carol Dewey introduces the PURE Framework — Plus, Unnecessary, Replaceable, Equal — a practical roadmap for boosting profits today while securing a higher valuation tomorrow. You’ll learn how to strip away inefficiencies, build systems that don’t rely on you, and create balance across contracts and relationships. And, you’ll see how PURE connects directly to EBITDA multiples, exit planning...

In this episode of Navigating Abundant Retirement, Carol Dewey explores one of the most overlooked yet critical aspects of wealth management—the difference between simply recording history with your CPA and designing your financial future with proactive tax planning.

Carol explains why the next 18 months may be one of the most important tax planning windows in decades, the opportunities created by the recently extended “One Big Beautiful Bill,” and real-world case studies where clients saved millions by planning ahead.

This episode is packed with strategies most CPAs never bring up—perfect for business owners, high-income professi...

In this episode of Navigating Abundant Retirement, Carol Dewey exposes a silent yet costly reality for high-income professionals and business owners: most CPAs are reactive, not proactive. Carol dives into the traditional compliance-based CPA model and how it may be costing you six or even seven figures over time. Through real-life client stories and strategic insight, she reveals how shifting to proactive tax planning can multiply your wealth and protect your legacy.

🔑 What You'll Learn:

In this episode of Navigating Abundant Retirement, Carol Dewey cuts through economic confusion to help business owners and retirees understand what’s really happening with the Federal Reserve’s interest rate pause and the latest wave of tariffs. From inflation shifts to global rate games and the emergence of the “MAGA Fund,” this episode breaks down what these developments mean for your investments, your business, and your financial future—plus what to do right now to protect and grow your wealth.

🔑 What You'll Learn:

In this episode of Navigating Abundant Retirement, Carol Dewey unpacks one of the most critical mindset shifts that can radically increase the value of your business: going from Player to Coach.

Whether you're a founder, executive, or business owner stuck in the weeds, this episode will help you move beyond doing everything yourself—and start leading strategically.

Discover how to transition from being the MVP to the head coach who builds a scalable, sellable business—one that can thrive even in your absence.

🔑 What You’ll Learn:

In this episode of Navigating Abundant Retirement, Carol Dewey reveals the powerful yet often overlooked business multiplier: customer feedback. Discover how a simple $50 idea grew into a seven-figure exit—all because one founder chose to listen. Carol shares real client case studies and a simple feedback framework that can immediately improve revenue, retention, and valuation.

🔑 What You'll Learn:

If your business can’t run without you… you don’t own a business. You own a job.

In this powerful episode, Carol Dewey dives deep into one of the most transformational shifts a business owner can make: learning to work on the business, not in it.

You’ll hear real client success stories, practical strategies, and the one mindset shift that can increase your business's value and free you from the daily grind. Whether you're years away from exiting or just looking to work smarter, this episode will help you reimagine what freedom and legacy l...

Is the latest tax bill from Washington actually a massive economic stimulus?

In this week’s episode of Navigating Abundant Retirement, Carol Dewey unpacks the hidden opportunities inside Trump’s new One Big Beautiful Bill—and what it means for your money, your business, and your future.

🔹 Why mid-cap stocks could be this year’s quiet outperformer

🔹 How the bill impacts business owners, retirees, and investors

🔹 What July 22nd means for the future of AI infrastructure (and how to position for it)

🔹 Why waiting could be the most expensive mistake you make in...

Today, Carol Dewey reveals how procrastination — whether with taxes, investments, estate planning, or your business exit — can quietly become the most expensive mistake of your financial life. In this powerful episode, Carol uncovers how the illusion of “later” erodes wealth, confidence, and peace of mind, and what you can do now to stop paying the hidden price of waiting.

🔍 In This Episode, You’ll Discover:

✔️ A real-life story of a loyal Kmart executive who lost millions by waiting too long to diversify

✔️ How missed compounding and opportunity costs silently kill your long-term wealth

✔️ Why waiting t...

Welcome to Navigating Abundant Retirement!

Today, Carol Dewey reveals how a terrifying voice scam targeting her own father exposes a rising threat — and a wealth-building opportunity hiding in plain sight. In this powerful episode, Carol breaks down how AI-driven cybercrime is evolving fast and why cybersecurity is becoming one of the most inevitable investment opportunities of our time.

🔍 In This Episode, You’ll Discover:

✔️ A real-life story of an AI-powered scam that hit close to home

✔️ How “deepfakes” and voice cloning are being used to defraud people — and what makes them so dangerous

✔️...

Welcome to Navigating Abundant Retirement! In today’s episode, Carol Dewey breaks down the latest decision from the Federal Reserve—and the fiery reaction it sparked from former President Trump.

🔍 What You’ll Learn in This Episode:

✔️ Why Trump is attacking Fed Chair Jerome Powell—and why Powell isn’t budging on interest rates.

✔️ The real reason behind the political pressure for rate cuts: the federal government’s record-high interest expenses.

✔️ How the Fed’s high-rate environment has benefited savers, corporate borrowers, and the broader economy—despite common fears.

✔️ Why investors should be cautious wh...

Welcome to Navigating Abundant Retirement! Today, Carol Dewey reveals a powerful truth: "No company is immortal." She introduces the TRICK framework (Taxes, Risk, Investment Mix, Costs, Knowledge Gaps) to identify wealth-draining inefficiencies in your financial plan. Through the cautionary tale of a former client, Jack, who lost a comfortable retirement due to emotional attachment to his K-Mart stock, Carol underscores that "forever stocks" don't exist, especially with AI reshaping the economy.

Here are the shortened show notes for "A Secret Sauce Called 'Efficiency'," with the requested section retained:

A Secret Sauce Called “Efficiency”

Welc...

In this episode of Navigating Abundant Retirement, host Carol Dewey dives deep into one of the most unexpected and potentially market-shifting stories of the year — the public fallout between President Donald Trump and tech titan Elon Musk. This isn’t just social media drama. It’s a political clash with massive implications for investors, especially those relying on stable and strategic retirement planning.

Carol unpacks how this feud could disrupt Tesla’s robotaxi ambitions, SpaceX’s government contracts, and the entire electric vehicle (EV) and commercial space landscape — and more importantly, which companies could rise as a result.

Here are the show notes for "3 Certainties for a New American Prosperity... and One Stock Set to Profit," formatted as requested:

3 Certainties for a New American Prosperity... and One Stock Set to Profit

In this week’s live market update, Carol Dewey, Founder of Perpetual Wealth Financial, cuts through the pervasive "uncertainty" narrative dominating financial headlines. She pulls together key economic forces—from tariffs and interest rates to AI and trillions in untapped cash—to reveal three undeniable certainties shaping the American economy.

Carol outlines President Trump’s three big economic pillars: Tax Liberati...

Welcome to Navigating Abundant Retirement! Today, Carol Dewey dives into the hottest topic in investing: Artificial Intelligence (AI) and the imminent arrival of Artificial General Intelligence (AGI)—AI capable of human-level intelligence. As Charles Darwin's "adapt or perish" principle applies to businesses in this new era, understanding how to invest in AI is critical for portfolio survival and growth.

🔍 What You’ll Learn in This Episode:

✔️ The concept of Artificial General Intelligence (AGI) and its transformative impact on all industries.

✔️ Three strategic investment approaches for the AI revolution: investing in core AGI infrastructure, alongside AGI...

After a volatile spring, the market has staged a sharp rally, and last week's Consumer Price Index (CPI) report signals an even brighter outlook. Carol Dewey breaks down why April's soft CPI data (0.2% month-over-month for both headline and core) wasn't just good news, but a "death knell" for fears of tariff-driven reinflation. Despite initial panic, data shows no tariff-fueled inflation, thanks to rollbacks, exemptions, and new trade deals (like the U.S.-U.K. agreement and U.S.-China truce) slashing average effective U.S. tariff rates from 30% to a far more manageable 13%.

With inflation easing, tariffs...

Join Carol Dewey as she blends investing legends, economic trends, and practical retirement strategies. This episode covers Warren Buffett's announcement to step down as Berkshire Hathaway CEO, recent positive trade developments, and the crucial role fixed indexed annuities play in managing retirement risk amidst market volatility. Learn how Buffett's timeless wisdom applies to today's economy and why principal protection and reliable income are paramount for retirees.

🔍 What You’ll Learn in This Episode:

✔️ The significance of Warren Buffett's impending retirement and his enduring investing principles, like "Be greedy when others are fearful."

✔️ How historical tr...

In this episode of Navigating Abundant Retirement Radio, host Carol Dewey explores a critical challenge facing President Trump's plan to reshore American manufacturing: the severe labor shortage. Dewey delves into how physical AI and automation hold the key to overcoming this obstacle, predicting a major financial event on May 7 that could unleash $7 trillion in sideline cash into the stock market. This episode discusses how the convergence of political momentum, economic necessity, and advances in AI technology could drive a transformative shift in American industry, akin to the dot-com boom of the late 1990s.

00:28 The Challenge of Reshoring...

Sometimes the market whispers. Other times, it shouts. Yesterday, the market didn't whisper — it roared! Host Carol Dewey unpacks the significance of a Zweig Breadth Thrust—one of the rarest and most reliable technical indicators in market history—which just triggered. This isn’t just any buy-the-dip signal; it's the mother of all buy-the-dip signals, boasting a 100% success rate for higher markets six and twelve months later since World War II, with an average 12-month return of +25%.

But it's not just the Zweig Breadth Thrust flashing green. Carol reveals a perfect storm of bullish technical signals forming right no...

The market mood has been dark lately, with stocks cratering, bonds crumbling, and consumer confidence collapsing. Despite one of the fastest 20% market drops in modern history, Federal Reserve Board Chair Jerome Powell signaled "no rush to cut rates."

In this episode of Navigating Abundant Retirement, Carol Dewey argues that while Powell's words suggest patience, the underlying economic reality indicates the Fed is on the brink of a rescue mission for the U.S. economy. Carol dissects Powell's "stagflation dilemma" and reveals how increasingly tight financial conditions, plummeting consumer sentiment, slowing retail sales, stalled business investment, and a...

You're listening to Navigating Abundant Retirement — the show that helps you steer through today’s uncertainty toward a more confident financial future. I’m Carol Dewey, and today, we’re unpacking the hidden silver lining behind the latest tariff chaos.

"Liberation Day" brought aggressive new tariffs from U.S. President Trump, sending shockwaves through the global trading system and causing a significant market sell-off. While investors panic and major indices nosedive, Carol reveals a powerful, underlying development: the strategic collapse of the 10-year U.S. Treasury yield. This isn't accidental; it's a policy-by-design move from the Trump Administ...

Welcome back to this week’s live market update on Navigating Abundant Retirement. I’m Carol Dewey, Founder of Perpetual Wealth Financial. We're living through one of the most violent stock market climates in modern history, characterized by rapid drops, historic rallies, and extreme volatility not seen since the 2008 financial crisis or the 2020 COVID crash.

The market's price action might be screaming "catastrophe," but Carol dives into a crucial question: are we truly heading for another Great Depression or a crisis akin to World War II or the 2008 financial meltdown? By comparing historical parallels to today's economic real...

📢 In this episode, we tackle one of the biggest concerns for retirees and soon-to-be retirees: How do you safeguard your wealth and legacy in a volatile economy? With inflation, market fluctuations, and potential tax law changes, estate planning is more important than ever.

🔑 Key Takeaways:

✅ Why Estate Planning Matters More Than Ever

✅ Will vs. Trust: What’s Right for You?

In this episode of Navigating Abundant Retirement Radio, host Carol Dewey explores the crucial topic of insulating your retirement from the unpredictable stock market. Through a compelling comparison of two retirees' lifestyles, Carol illustrates how a meticulously planned retirement lifestyle and legacy can provide peace of mind, financial security, and a lasting impact. She emphasizes the importance of predictable, tax-free income and offers strategies to create a retirement plan that remains unaffected by market fluctuations.

Key Takeaways:

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, Carol dives into the importance of long-term care planning and flexible protection for a healthy retirement. She outlines common challenges retirees face and discusses strategies to ensure financial security without becoming a burden on family members.

Key Takeaways:

- Long-term care is a critical aspect of retirement planning, and Medicare generally does not cover these expenses.

- Flexible protection for a healthy retirement focuses on three key elements: protecting your family, your choices, and your financial assets.

...

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the critical differences between controllability and responsibility in retirement. She explores how the modern retiree must navigate the shift from government and employer-sponsored retirement models to a more personalized responsibility for retirement security. Carol introduces the concept of being "Wealth Safe" (SAFE) and "Mindset Sane" (SANE) while sharing tips on controlling the elements you can to achieve peace, freedom, and confidence in your retirement.

Key Takeaways:

Episode Summary:

In this episode of Navigating Abundant Retirement Radio, Carol Dewey from Perpetual Wealth Financial dives into the implications of the Tax Cuts and Jobs Act of 2017 and its potential expiration at the end of 2025. Carol discusses the major tax changes introduced by the Act, including adjustments to tax brackets, the standard deduction, and estate tax exemptions. She also explores strategies for managing retirement withdrawals, including tax considerations and charitable donations from IRAs. Listeners are encouraged to consult with financial professionals to tailor strategies to their individual needs.

Key Takeaways:

Episode Summary:

In this episode of Navigating Abundant Retirement Radio, host Carol Dewey delves into the importance of having a comprehensive, integrated wealth plan that evolves with changing circumstances and tax laws. She highlights the necessity of regular updates and strategic planning to maintain and grow wealth, sharing insights from Warren Buffet's wealth management philosophy. Carol also recounts the story of Hedy Lamar, an actress and inventor, to illustrate the critical difference between making money and securing a lifetime income.

Key Takeaways:

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, Carol Dewey delves into the intricacies of maximizing your Social Security benefits. She covers essential strategies and key elements to help you harness the power of Social Security, ensuring a more financially secure retirement. Carol also explores spousal, ex-spousal, and survivor benefits, as well as the impact of working during retirement and potential future changes to the Social Security program.

Key Takeaways:

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the concept of "Achilles choice" and reveals the number one key to a successful retirement. She emphasizes the importance of having a clear vision of the life you want to live in retirement and the legacy you want to leave. Carol shares insights on regret minimization, the significance of having a well-defined retirement plan, and the pitfalls of relying on generic financial advice.

Key Takeaways:

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, host Carol Dewey from Perpetual Wealth Financial discusses the importance of rainy day protection and how to prepare for unexpected financial challenges, particularly in retirement. She delves into strategies like long-term care insurance, emergency funds, and common financial mistakes to avoid.

Key Takeaways:

Episode Summary:

In this episode of Navigating an Abundant Retirement Radio, Carol Dewey continues the discussion on the 12 little-known wealth myths, focusing on the final three myths and offering valuable insights and advice. Carol shares the inspiring story of Jim Rohn and his journey from losing his fortune to rebuilding it, emphasizing the importance of strategic planning and seeking smart advice for a well-designed retirement.

Key Takeaways:

In this episode of Navigating an Abundant Retirement, host Carol Dewey continues the discussion on the 12 little-known wealth myths. In part two, Carol explores myths seven through nine, shedding light on how these misconceptions can negatively impact retirement planning. She emphasizes the importance of understanding these myths to avoid costly mistakes and outlines a path to a 120% retirement lifestyle.

Key Takeaways:

In this episode of Navigating an Abundant Retirement Radio, Carol Dewey discusses the first six myths out of twelve that can affect your retirement planning. She explores common misconceptions about wealth and retirement, illustrating how these myths can impact your financial security and freedom. Carol shares personal stories and real-world examples to emphasize the importance of comprehensive planning for a successful retirement.

Key Takeaways:

In this episode of Navigating an Abundant Retirement Radio, host Carol Dewey delves into the potential impact of the 2024 presidential election on finances. Drawing on data and historical trends, Carol addresses common concerns and misconceptions about how election outcomes may affect investment portfolios and retirement plans. While acknowledging widespread anxiety among investors, Carol emphasizes the importance of staying informed, maintaining a long-term perspective, and working closely with financial professionals to navigate economic uncertainties.

Key Takeaways:

Episode Summary:

On this episode of Navigating an Abundant Retirement Radio, host Carol Dewey delves into the intricate financial concerns faced by many, including millionaires. In the Retire Abundantly series debut, she explores the evolving landscape of financial security amidst economic, financial, and political shifts, offering insights and strategies for ensuring a prosperous retirement.

Key Takeaways:

In this episode of "Navigating an Abundant Retirement," host Carol Dewey dives into the crucial topic of Roth conversions. Join us as we explore whether a Roth conversion is the right financial move for your retirement strategy.

Don't miss this episode of "Navigating an Abundant Retirement" if you're looking to make informed decisions about Roth conversions and maximize the potential of your retirement savings. Tune in for expert advice and practical tips on securing a financially abundant retirement.

In this episode of Navigating Abundant Retirement radio. Carol Dewey talks about how TODAY’S ECONOMY MIGHT IMPACT YOUR RETIREMENT. If you’re retired (or close to it), you might feel overwhelmed hearing about all the things that could affect the retirement you’ve worked so hard for. So in this show, Carol will discuss how you can take charge of your retirement! We’ll cover how an appropriate retirement income strategy can help you:"

In this episode of "Navigating Abundant Retirement," your host, Carol Dewey, delves into the critical topic of how taxes can impact your retirement dreams. She challenges common misconceptions and invites you to ponder the following pivotal question:

"How Taxes Can Impact Your Retirement Dreams: The Power of When"

Carol explores the timing and strategies related to taxation during retirement, shedding light on the ways it can either enhance or hinder your retirement goals.

Conclusion:

Understanding the timing of tax-related decisions and implementing strategic tax planning can be a game-changer for your...

In this episode, Carol Dewey discusses the importance of estate planning for a secure retirement. She shares her own experience after her mother's passing, highlighting the value of having affairs in order. Carol emphasizes the significance of addressing estate planning to alleviate stress during emotional times.

Carol also features Barry Haimo of Haimo Law, an expert in estate and business planning. They touch on a crucial aspect of estate planning: the probate process. Barry explains that while probate is necessary, it comes with time, cost, and privacy implications. He compares it to an airport experience—time-consuming, invasive, an...

Welcome back to Navigating an Abundant Retirement Radio. This week, Carol discusses how business owners invest for guaranteed growth and generational wealth. This podcast episode is for business owners who insist that their money and investments empower them — not rob them or hold them back.

Main Points:

Investing in Yourself and Your Business:

In this episode, Carol Dewey interviews Soli Rodriguez, an Estate Planning Attorney with expertise in Estate Planning, Probate, Business, and Real Estate Law. Soli is a bilingual attorney, fluent in both Spanish and English, and holds licenses in Puerto Rico and Florida, including admission to the Southern District Court of Florida.

In this insightful conversation, Soli shares their extensive experience partnering with key attorneys to provide critical guidance and support in various legal matters. With a proven track record of success, Soli's ability to analyze complex situations, data, and documentations ensures that legal assignments are executed promptly...

In this episode, Carol explores the impact of artificial intelligence (AI) on investment insights. Here are the key takeaways:

In this episode of Navigating an Abundant Retirement Radio, host Carol Dewey discusses the debt ceiling, upcoming deadlines, and investment insights. Understanding the debt ceiling is important, and Carol aims to provide a better understanding of it and share thoughts on how to navigate the situation.

The Debt Ceiling: What is it?

The debt ceiling is the limit on the amount of money the US government can borrow to fund its expenses. The US reached its debt limit of $31.4 trillion on January 19, and now Congress needs to approve a higher limit. If a resolution is...

Key Takeaways:

In this episode, Carol shares the findings of a study on financial regret among older adults and provides steps to avoid such regrets in our own financial decisions.

Regret 1: Not Saving Enough (57% regretted)

Welcome back to Navigating an Abundant Retirement Radio! This week, we'll be talking about the common mistakes that people make when rolling over their 401(k) and how to avoid them.

You probably have at least one traditional retirement account, such as a 401(k), 403(b), or IRA. The tax treatment of traditional retirement accounts is the key difference between these accounts and regular ones. With a traditional retirement account, you get a tax deduction on the front end, allowing you to contribute the full amount without paying income taxes. The account also provides a tax deferral, which means...

In this episode, Carol delves into the risks and benefits of a federal digital currency, particularly the issue of centralized government control of banks.

Carol starts by defining the problem at hand and outlining the effects that a federal digital currency could bring, including government surveillance of purchases, real-time tracking of payments, digital ledgers on phones, and centralized government control of banking. She highlights the potential impact on privacy, cyberattacks, and individual liberties.

One of the major concerns she identifies is the centralized government control of banks, which could stifle innovation and competition, leading to...

In this podcast episode, the Carol discusses the recent failure of Silicon Valley Bank and whether people's money is safe in banks and insurance companies.

Carol mentions that if you have less than $250,000 in your bank account, you have nothing to worry about because the US government insures the first $250,000 in eligible accounts. However, many Silicon Valley Bank customers had more than $250,000 deposited and can't access their money. She then compares the number of bank failures to insurance company failures and explains that insurance companies are generally more secure due to state laws and guarantee associations that...

On this episode of Navigating an Abundant Retirement Radio, host Carol Dewey shares her passion for legacy planning and how it goes beyond just leaving assets behind. She tells the story of her family's legacy, including the success and eventual downfall of her great, great, great grandfather's print and book binding business. Carol emphasizes the importance of communication and planning in order to avoid mistakes that can cause financial stress and family turmoil. She also highlights the significance of leaving behind family values, virtues, and traditions. To assist her clients in reaching their estate and legacy planning goals, Carol...

Welcome back to Navigating an Abundant Retirement Radio. This week we are going to talk about economic conditions, why I believe the 60/40 portfolio is dead, and what you can do to be in a better position to take advantage of times like what we are experiencing today.

Mentioned in this Episode

<...

Welcome back to Navigating an Abundant Retirement Radio. As the sun sets on your career and every day is about to become Saturday, you will be faced with issues such as: how to effectively take required minimum distributions (RMDs) from your traditional IRA or 401(k), when to start taking Social Security, how Social Security payments are taxed, whether to convert your traditional IRA to a Roth, how to recover from a bear market (one of our topics in the last episode), finding good alternatives to low-yielding CDs or savings accounts, and how to come up with a creative way...

Welcome back to Navigating an Abundant Retirement Radio. This week you will find out why Carol is so fired up, how to repair bear market damage, and deal with market risk.

Mentioned in this Episode

Favorite Quotes 

"Money is an extension of people’s energy, their stored value…and it is being devalued in so many ways." - Carol Dewey

“Without the right information, strategy, team, or collaboration, most people make the mistake of letting the tax tail wag the dog…. meaning, they do t...

Welcome back to Navigating an Abundant Retirement Radio. This week we will cover the recession and what it means as well as why Carol believes the institutions Americans depend on, such as the government, Wall Street, and the banks, will let them down dramatically.

Mentioned in this Episode

Favorite Quotes 

"The length and depths of a recession are typically the factors that determine the amount of pain in stock and bond assets." - Carol Dewey Duration: 00:15:49

Welcome back to Navigating an Abundant Retirement Radio. This week we are going to cover the 9 common money mistakes entrepreneurs make and then follow-up the discussion with the cure for investment FOMO

Entrepreneurs are smart, creative, caring, and passionate. They are some of the most innovative minds and interesting people to talk with. 

And sometimes… they make BIG MISTAKES with money!

In This Episode

1:02 -  Mistake #1: You don’t prioritize saving money.

1:47 -  Mistake #2: Your prices aren’t sustainable.

2:58 -  Mistake #3: You aren’t properly protected.

3:47 -  Mi...

This week Carol discusses investment questions investors should ask and what Wall Street doesn’t want you to know.:

Financial and political power congregates on Wall Street… it’s the epicenter of the American financial universe and the subject of many movies about the ruthless and the rich. Few people question why Wall Street holds the purse strings of our nation. To the average American investor, putting your money into stocks, bonds, and mutual funds is “what you do.” Rarely do we ask the right investment questions.

In This Episode

0:35 -  Financial and political p...

In the last couple of episodes, Carol covered the 7 Principles of Prosperity as the organizing principles of Prosperity Economics that guide our products, strategies, and decisions. She also mentioned that they can also act as an “opportunity filter” to help us find new ways of thinking and greater money mastery. Also, she discussed a couple of examples of what it looks like when you apply these principles and today, Carol shares a couple more examples and wraps up our Prosperity Economics series.

In This Episode

1:12 -  Creating Income

4:49 -  Reverse mortgage

5:49-  Sin...

This week Carol continues the discussion on personal finances and the application of the 7 core Principles that guide those practicing Prosperity Economics and what it looks like when you use them… 

We use the 7 Principles of Prosperity – along with a lot of testing on calculators and real-world case studies - to guide our financial decisions. Practicing Prosperity Economics means acting in accordance with these 7 Principles.

In This Episode

2:21 -  Saving Money (save as a verb)

4:55 -  College Education

9:03 -  An entrepreneur we know was in the forestry...

This week Carol continues the discussion on personal finances. This is Part 3 of this series and today she will cover the 7 core Principles that guide those practicing Prosperity Economics and what it looks like when you use them… 

We use the 7 Principles of Prosperity – along with a lot of testing on calculators and real-world case studies - to guide our financial decisions. Practicing Prosperity Economics means acting in accordance with these 7 Principles

In This Episode

2:21 -  Comparisons of a Prosperous Mindset vs. scarcity thinking

4:55 -  Our own cash has a cost

9...

This week Carol continues the discussion on personal finances.  This is part 2 of the 5-part series where she addresses the financial problems where lack of automation and simplification combined with inflation equals decimation.

We've been conditioned to be skeptical towards the financial choices that actually make  MORE sense, but not to question the options that offer investors poor or unpredictable results. 

In This Episode

3:16 -  What can we DO to protect ourselves and escape insanity? 

4:03 -  Categories of wealth

5:44 -  Now, let’s talk about the Actions.

7:55 -  Wealth...

This week Carol wraps up our celebration of Economic Independence Month by discussing the truth about personal finances! This will be the first of a 5-part series where she will introduce the concept of Prosperity  Economics.  

In This Episode

2:05 -  Your ideas about retirement 

2:28 -  87 is the new 65

7:38 -  Numbers around retirement flat out just don't work

8:17 -  Find work you love and do it for as long as you can!

8:22 - "Half-truths."

9:58 -"Plan B"

Favorite Quotes 

"Don't "just" list...

What separates the wealthy from the working class?

In this episode, Carol explores several HABITS that affluent people have in common. How do the wealthy get that way? What determines your level of wealth and success—is it luck,  education, or the size of your inheritance? 

Tune in as Carol looks into how your daily routine as well as your money habits and see if your behavior matches those who have the success you desire!  

In This Episode

2:21 -  Wealth Habit #1: Save systematically and automatically. 

2:58 - Wealth Habit #2: Know what yo...

2020 is over and the majority of the world has opened up again, yet many people are realizing  that there’s more to life than a job they dislike. After record-high unemployment rates a couple  of years ago, more people are seeking jobs that feel fulfilling. After all, times of crisis are also  times of great opportunity!

In This Episode

1:51 - Step 1: Start With Your Mindset 

3:53 - Step 2: Assess Your Resources

5:40  Step 3: Start Creating Income! 

5:57 - Working on a virtual team 

7:47 - Option is to use your skills to freela...

Happy 4th of July Holiday Weekend to Everyone! 

In this episode, Carol would want to kick off our celebration of Economic Independence Month (July) and help you beat this recession and fight high inflation with 15 ways you can create cash flow. At Perpetual Wealth Financial and Secure Horizons Agency, we believe everyone should build the life they love so they can enjoy life to the fullest.

In This Episode

5:10 - The good news

5:51 - 15 ideas on ways to earn more income

13:03  - Augusta Rule

18:25 - The first st...

Welcome back to Navigating an Abundant Retirement Radio. This week, Carol shifts the discussion regarding the Map to Economic Independence to the Distribution Dilemma. Her discussions regarding economic independence are where we have enough recurring revenue, also known as cash flow, to cover our basic expenses. So far, her  discussions have revolved around the accumulation phase before retirement.

In this episode, Carol answers the question of how you can draw down and distribute your retirement savings once the bell sounds and your career is over will determine whether or not you run out of money. 

Th...

Welcome to the sixth episode of the Navigating an Abundant Retirement Podcast. This week we are going to continue our discussion regarding the Map to Economic Independence. This week we will be talking about Bulletproofing Wealth and the Four Keys to Economic Self-Reliance as well as provide 3 ways you can create cash flow using crypto currencies.

Enjoy!



In This Episode

Bulletproof Wealth: Four Keys to Economic Self-Reliance

1:54 - Key #1: Take Your Income Into Your Own Hands

3:19 - Self-Reliance Key #2: Diversify Your Income

4:53 - Self-Reliance Key #3: Sa...

This week Carol addresses inflation. Inflation is the gradual rise in prices and decline in purchasing power of your dollars over time. Inflation is at its highest level in 40 years. 

Tune in as Carol touches on inflation after years of it being a non-issue. Let's listen and find the  meaning and the cost of inflation to you. 

In This Episode

1:33 -  Inflation Blip?

2:43 - The Difference between then and now

4:09 - Inflation is a stealth tax in reality

5:01 - Effect on Americans purchasing power

5:37 - Prot...

In this last part of the four part series, Carol continues to talk about The Map to Economic Independence, we will gain clarity about the single most important part of mapping out your path to economic independence or the state of having enough cash flow to cover your expenses.

As people begin to gain momentum and success, those distractions, disguised as opportunities, pull them off course. They look good on paper, but then they get involved in something they don't understand. Ultimately, it destroys time when it loses again. Competence is undermined, and it goes against their...

Most people create a blueprint of their house to gain a bigger picture view, see what's possible, and understand what they need to do in order to have a solid structure. The same is true for financial life. Having a blueprint for your financial plan is essential for attaining economic freedom. It serves as a comprehensive plan that covers all aspects of personal finances, retirement goals, and helps identify and overcome potential challenges along the way. What are some ways to create a solid financial future plan?

Welcome to the third episode of the Navigating an Abundant...

Traditional retirement planning techniques that worked well in the past are no longer effective, and many people are finding themselves unprepared for retirement. People are living longer, so their retirement savings goals do not match their actual needs. How can individuals take control of their own retirement planning and find new ways to save for later in life?

Welcome back to Navigating an Abundant Retirement Podcast. In this episode, Carol will continue the discussion regarding the map to economic independence, from charting the most efficient course to economic independence based on your unique situation, to getting more...

Traditional retirement planning techniques that worked well in the past are no longer effective, and many people are finding themselves unprepared for retirement. People are living longer, so their retirement savings goals do not match their actual needs. How can individuals take control of their own retirement planning and find new ways to save for later in life?

Welcome to the premiere episode of the Navigating an Abundant Retirement Podcast. This show will be your guide to creating a worry-free retirement. In this episode, Carol talks about what economic independence is, how to create the map to...

Are you ready to navigate your way to an abundant retirement?

In this trailer episode, Carol Dewey offers some insider tips on navigating your way to a fruitful retirement. Her passion for helping people cope with this new season of their lives started with her own experience at the airport. Find out about that encounter that forever changed her life.

Join her as she shares practical steps for achieving a new mindset and strategies for “retiring abundantly with Carol.”