May 3, 2019
Couples often have different beliefs and expectations
surrounding their finances. While it's natural to view money
differently, we want you to be on the same page as a couple when
you're approaching retirement. Join us as we outline the importance
of retirement planning for couples.
What You'll Learn:
00:38 – Tech Companies Going Public In 2019
- Uber, Lyft, Peloton, Pinterest, and Zoom all have plans to go public in 2019.
- Joel examines whether it's wise to invest in initial public
- It's hard to know whether tech startups will make for home run
- Joel defines how IPOs work. He explains why it's hard to get
IPO shares as a general investor.
- IPOs are "sexy," but they aren't relevant to the retirement
6:00 - Do Couples Talk About Retirement
- Many couples haven't had deep and significant conversations
regarding financial matters.
7:00 - What Do Couples Need To Discuss?
- Couples need to make concrete decisions together about income needs and living
- Consider how much you'll want to spend in retirement.
- There are other softer issues you need to discuss. Talk about
your financial dreams and fears.
- Your dreams and fears can have a profound impact on your
8:30 - What Do Couples Disagree About?
- People disagree about spending, but Joel explains why that's
not the root of the issue.
- Your background will affect your views about money.
- Couples tend to disagree on how to help their kids in
- Couples also disagree on when to retire. It's not uncommon for
one spouse to want to continue working while the other wants to
16:20 - A Mailbag Question About Divorce
- Donna and her husband are getting a divorce. They're trying to
determine how to split up their assets. She can take $200,000 from
her husband's 401(k) or cash/money market account. She wants to
know which is the better option.
18:31 - A Mailbag Question On Timing The
- Charlie almost got out of the market before it dropped in the
fourth quarter. Now he's back to where he was before, and he wants
to know whether to get out now.
- Joel explains the dangers of market timing and the necessity of
an investment plan.
19:37 - A Question On Legacy Planning
- Leo is fortunate enough to have more money than he'll ever
need. He's excited about the opportunity of leaving a legacy, but
he's also sad about saving all this money he'll never use.
- Proper estate planning is important. You need to decide how you
want to leave your legacy.
- You need to protect your kids from poor circumstances and
"Your dreams, fears, and expectations for retirement will have a
profound impact on your retirement planning process. As a couple,
you simply must be on the same page about your finances." -Money
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For further exploration of this topic and additional resources,
check out our blog here: https://johnsonbrunetti.com/retirement-planning-for-couples/