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Merging Life and Money with MJ CaesarAuthor: Marie Jo Caesar
This podcast is for overwhelmed and frustrated professionals mainly women between the ages of 35 and 60 who are ready to develop and apply the relevant financial skills and knowledge they need to take control of their money, better manage their finances, reduce their financial worries, and understand that they can live their best life with the money they have. I will be sharing valuable information about how to achieve financial wellness from the inside out and live a purposeful life with the money you have. Also, I will be inviting guests to share what they know with a view to empowering them with what they know about money and finance. So tune in and discover the practical and personal solutions to everyday money challenges. Language: en-us Genres: Business, Education, Entrepreneurship, How To Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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Ep. 201 - RETIREMENT BIGGEST LIE - WHY THE 4 percent RULE COULD BE FAILING YOU!
Episode 201
Friday, 8 August, 2025
Send us a textUnlocking Retirement Security with Steve Selengut: Income Independence StrategiesIn this episode of the Merging Life and Money Show, host Marie-Jo Caesar welcomes special guest Steve Selengut, a bestselling author and investment advisor with over 40 years of experience. Steve shares his unique approach to retirement planning, focusing on generating reliable income without selling investments—a strategy effective in both rising and falling markets. The discussion covers essential topics such as the concept of income independence, risk minimizers, portfolio management, and the critical importance of diversification. Steve also compares portfolio management to running a department store, emphasizing the need for quality, diversification, and profit-taking. This episode provides valuable insights for anyone aiming to achieve financial security and peace of mind in retirement.3 Main Points ✅ Income Independence Focus: Steve Selengut highlights the importance of generating a steady income stream for retirement, ensuring financial security despite market changes, rather than solely accumulating wealth ✅ Four Financial Risk Minimizers: Steve identifies four key strategies to reduce financial risk—quality, diversification, income, and profit-taking—essential for protecting investments and maintaining stability, especially for retirees. ✅ The Department Store Analogy: Steve likens portfolio management to a department store, emphasizing the importance of diversification and inventory management to spread risk and consistently secure profits. 🕒 KEY MOMENTS IN THIS EPISODE 00:00 – Special Guest Introduction01:59 - Income Independence vs Wealth Accumulation07:58 - The 4 Great Financial Risk Minimizers17:40 - Implementing Risk Minimizers for Average Investors20:54 - Risk Minimizers Across Different Life Stages23:31 - Adjusting Financial Thinking in Today's Economy25:21 - The Department Store Analogy27:30 - Inventory Management Strategies30:50 - Restocking Techniques32:40 - Importance of Diversification35:00 - Tenant Selection Best Practices41:54 - Achieving Income Independence47:10 - Understanding the 4% Rule52:30 - Steps to Achieve Income IndependenceSupport the showConnect with me:Instagram: https://www.instagram.com/the_financiologist_mjcaesar/Facebook: https://www.facebook.com/merginglifeandmoneyYouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9gTwitter: https://www.twitter.com/https://twitter.com/mariejocaesarLinkedIn: https://www.linkedin.com/in/mjcaesarClick this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom. Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.
