How Social Security is Taxed | Made Easy! Holy Schmidt! 2026-09-30 | How Social Security is Taxed | Made Easy!
Geoff Schmidt - Livestream Holy Schmidt! 2025-10-01 | Get your Social Security questions answered Live!
Medicare Made Simple: Interview with Chapter Co-Founder Ari Parker Holy Schmidt! 2025-10-01 | In this livestream, Geoff interviews Ari Parker, Co-Founder of Chapter Medicare, about how to avoid costly Medicare mistakes. Ari explains the “Three Ps” framework, breaks down Medicare Advantage vs. Supplement, and answers real audience questions about IRMAA, Part D, veterans’ benefits, HSAs, and more.FULL DESCRIPTIONIn this livestream, Ari shares how Chapter began after his family and co-founders’ families struggled with costly Medicare mistakes — experiences that inspired a mission to make Medicare guidance clear, unbiased, and always in the client’s best interest.We cover a wide range of topics that matter to anyone approaching or already enrolled in Medicare. Ari explains the “Three Ps” framework — Providers, Prescriptions, and Priorities — and how it helps match people to the right plan. We also dig into the differences between Medicare Supplement (Medigap) and Medicare Advantage, how to avoid penalties, and what to know about enrollment timelines.Viewers sent in questions about IRMAA surcharges, Part D changes, veterans’ coverage, HSAs, and international living, and Ari provides straightforward answers along with practical tips for navigating each situation. Most importantly, he explains how Chapter supports clients year-round — not just at enrollment — with ongoing advocacy when issues arise.If you’re preparing for Medicare or supporting a loved one, this interview will help you avoid common mistakes and make confident choices.____________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/ChapterGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Holy Schmidt! Live Stream Holy Schmidt! 2025-09-29 | standard description._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
J.P. Morgan Research: 3 Unexpected Retirement Spending Trends Holy Schmidt! 2025-09-28 | There are certain retirement spending "rules of thumb" that we all assume are true. But a new JPMorgan study has revealed that several might be too restrictive. This video discloses what they are and what this might mean for you._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
CPA Explains: 6 Habits Keeping You Poor Holy Schmidt! 2025-09-26 | This video discusses 6 well known "bad money habits" that keep people poor. The information comes directly from interviews with over 1000 self-made millionaires over a 9 month period. _____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Average Net Worth at Age 60 has SKYROCKETED | 2025 Holy Schmidt! 2025-09-23 | If you search “What is the average net worth of a 60-year-old,” you’ll find wildly different answers. Why? Confusing data, misleading averages, and hidden agendas. In this video, I break down what’s real, what’s not, and what you should focus on._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
1 Tiny Mistake That Wiped Out an Entire Life Savings Holy Schmidt! 2025-09-22 | This video discusses a near-perfect scam—and a real-life couple who lost everything last year. The scam used urgency, fear, and even legitimate-looking social proof to trick a smart, well-educated family out of their life savings. It’s the kind of fraud anyone can fall for if they’re not paying close attention._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Work One More Year Before Retiring? Why This Decision is HUGE! Holy Schmidt! 2025-09-21 | Should you retire now—or work one more year? Discover how a decision from 1889 still shapes your future today. We’ll explore the surprising origins of retirement, why “just one more year” may be more powerful (or dreadful) than you think, and what factors truly matter when making one of life’s biggest decisions._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it and recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Where Should You Keep Cash Now that The Fed is Cutting Rates Holy Schmidt! 2025-09-18 | Check out Geoff's new course, Social Security Simplified: holyschmidt.com/SocialSecurityThe Fed just cut interest rates, in what many think is the beginning of a long interest rate easing cycle. In this video, Geoff discusses five strategic places to keep your cash now that the rate cut cycle has begun._____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Get a 2 week free trial with our affiliate link trial - $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Is Your Financial Information on the Dark Web? Heres How to Tell Holy Schmidt! 2025-09-15 | At this very moment, the personal data of 30 to 40% of Americans is being traded on the Dark Web. In this video, I use a simple way to explain a complex and dangerous problem—and why checking for your leaked data isn’t as easy (or as safe) as you might think. I also show you the safest way to check whether your data has been leaked to the dark web and what you should do next._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
How Many Americans REALLY Have $1 Million or More? Holy Schmidt! 2025-09-14 | How Many Americans REALLY Have $1 Million or More? The answer comes from the latest UBS Global Wealth Report and the number may surprise you. _____________________________________Confused about how Social Security should work for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.Chapter disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.
8 Ways To Cover Healthcare Costs If You Retire Early Holy Schmidt! 2025-09-07 | This video discusses the 8 least expensive ways to cover health insurance costs if you retire early._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with our course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Heres How Retirees Can Delete Personal Info Off The Internet For FREE Holy Schmidt! 2025-09-04 | This video reveals a simple, free way anyone can use to remove their personal information from the internet._____________________________________Confused about how Social Security works for you? Go from beginner to confident in under 5 hours with Geoff's course: Social Security Simplified... Check it out here: holyschmidt.com/SocialSecurity_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlGeoffrey Schmidt, CPA Bio:Geoff Schmidt is a CPA who specializes in personal financial education for those approaching or in Retirement. He is an award winning author and the Director of the Retirement Ready Academy. Geoff spends 100% of this time on financial education through social media. Legal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Is the Social Security COLA Increase Rigged? Holy Schmidt! 2025-08-29 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityEvery October, tens of millions wait for the announcement of the Social Security increase. It’s called the annual Cost of Living Adjustment (COLA)—and while it may seem straightforward, many question whether the calculation truly reflects reality. Some see soaring bills while the official adjustment feels modest. Others point to complicated formulas, hidden weightings, and strange “quality” adjustments that seem to shrink everyday costs on paper. Is this process fair—or does it tilt the scales? In this video, we pull back the curtain and explore whether the COLA adjustment is as neutral as they say…or something else entirely._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Thinking About Retiring? Dont Tell Your Boss YET Holy Schmidt! 2025-08-26 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityTelling your boss you’re retiring sounds simple, but it can have serious financial and personal consequences if you share the news too early. In this video, I explain why giving an extended notice period isn’t always the right move—and how it can impact income, benefits, bonuses, and even your reputation. I share personal stories, real examples, and lessons you need to know before starting the retirement conversation. If you’re planning your exit, watch this first so you can retire on your terms, protect your benefits, and avoid common mistakes that many people regret later._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Are You Afraid to Retire? Youre Not Alone Holy Schmidt! 2025-08-24 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityAre you afraid to retire? You’re not alone. A recent study shows that over 60% of Americans fear retirement more than death! Why? Retirement feels uncertain, and once you step into it, there’s often no going back. In this video, we’ll explore the surprising reasons behind those fears, separate myth from reality, and reveal what you should really pay attention to as you approach retirement. If you’ve ever worried about whether you’re truly ready to retire, this video will help you see the issue more clearly._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Heres What You Can NOW DO at Age 62 | Most Missed Holy Schmidt! 2025-08-21 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityTurning age 62 is a major milestone in retirement. It’s the first age when retirement truly feels real—and when several important opportunities begin to unlock. In this video, I outline what becomes available at age 62 and explain why understanding these changes can shape your financial and lifestyle decisions for years to come. Too often, people focus only on one well-known option, but there’s much more to consider at this age. If you’re approaching 62 or already there, this video will help you see the bigger picture and prepare for the next stage of retirement._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
7 Common NEGATIVE Surprises the First Year of Retirement Holy Schmidt! 2025-08-17 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityRetirement is supposed to be relaxing… but for many, the first year comes with a few unwelcome surprises. In this video, I dive into what retirees aren’t expecting—but absolutely should be. These insights come from real stories, honest conversations, and a bit of personal experience. If you’re nearing retirement or already there, this one’s for you. Avoid the traps, plan with confidence, and learn what most people only find out too late. _____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
Social Security Spousal Benefits When Theres a BIG Age Gap Holy Schmidt! 2025-08-12 | ✅ Confused about Social Security? Check out my new course, Social Security Simplified: holyschmidt.com/socialsecurityWith 8.5% of married couples having 10+ year age differences, Social Security planning gets complex. This video explains how spousal benefits work when partners have significant age gaps and explores two critical scenarios: older partner as primary earner vs. younger partner as primary earner. Learn why timing matters, how spousal benefits unlock, and the impact on survivor benefits. We'll cover the key rule that the primary insured must file first before spousal benefits activate, plus strategies for maximizing benefits in age-gap marriages. Essential viewing for couples planning retirement with large age differences._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider. Holy Schmidt! is not affiliated with the Social Security Administration or any government agency.
How Social Security SPOUSAL BENEFITS Work in TWO INCOME Marriages Holy Schmidt! 2025-08-11 | ✅ Social Security Simplified 50% Discount (limited time): holyschmidt.com/socialsecurityWhat happens when BOTH spouses have their own Social Security benefits? Can you claim your own benefit first, then switch to the larger spousal benefit later, or the other way around? Most Social Security tutorials assume one working spouse and one stay-at-home spouse. But what if you both worked and earned your own benefits? This creates a completely different set of rules that can be confusing and costly if you get them wrong. In this video, we break down the complex world of "deemed filing" and spousal benefit excess calculations. This isn't the typical spousal benefit scenario most people talk about, but it affects millions of couples where both partners worked. Getting this wrong could cost you thousands in retirement income._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Geoff Schmidt, CPA, Livestream - August 5, 2025: Get Your Social Security Questions Answered Holy Schmidt! 2025-08-06 | Geoff Schmidt, CPA, Registered Social Security Analyst Livestream - August 5, 2025: Get Your Social Security Questions Answered._____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Heres Why MOST People Claim Social Security at Age 62 Holy Schmidt! 2025-08-03 | 50% Discount Course Link (limited time): holyschmidt.com/socialsecurityMost people know they can start collecting Social Security at 62, but conventional wisdom says to wait for bigger payments. However, there are several compelling reasons why claiming early might be the right choice under some circumstances.This video explores four key scenarios where claiming at 62 makes sense, even though you'll receive reduced benefits. We'll examine the mathematics behind break-even points and why the old assumption that "the system is neutral regardless of when you claim" no longer holds true for many people.There are legitimate strategic reasons why claiming early might be the smartest financial move for your unique circumstances. We'll also discuss the critical considerations around working while collecting Social Security that could significantly impact your decision. Understanding when early claiming makes sense could save you thousands of dollars over your lifetime and help you avoid costly mistakes that many retirees make._____________________________________FREE DOWNLOADSThese downloads are available to you absolutely free. As an added bonus you will be added to our list which gives periodic retirement tips, tricks and news. Retirement Ready Checklist: holyschmidt.com/checklistHealth Insurance Options In Retirement Free Report: holyschmidt.com/freereportSocial Security 7 Week Mini-Course: holyschmidt.com/mini-course_____________________________________OTHER IMPORTANT LINKS:Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Geoff Schmidt, CPA, Livestream - July 29, 2025: Get Your Social Security Questions Answered Holy Schmidt! 2025-07-30 | Geoff Schmidt, CPA, Registered Social Security Analyst Livestream - July 29, 2025: Get Your Social Security Questions Answered.OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
5 Hidden STATE TAXES That Can Surprise Retirees! Holy Schmidt! 2025-07-27 | When retirees talk about state taxes, they usually focus on just one thing: income tax. And of course, that’s important—but it’s only part of the picture. In this video, we uncover FIVE MORE state-level taxes that can quietly drain your retirement savings, even in so-called “tax-friendly” states.We’ll compare how two similar sized states—New York and Florida—fund everything from roads to schools, and why zero income tax doesn’t mean zero tax. Spoiler: The real surprise comes from states that appear affordable… but hide their taxes in plain sight.Whether you're planning a move or already living in your dream retirement state, this video may change how you think about tax burden in retirement._____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
10 Smart Money Rules That Dont ALWAYS Work Holy Schmidt! 2025-07-23 | We’ve all heard them—those catchy money rules repeated so often they sound like unshakable truths. But just because a financial rule is popular doesn’t mean it’s right for you. In fact, following some of these so-called “universal truths” could actually steer you off course.In this video, I unpack ten common money rules that don’t work for everyone. These rules may have kernels of wisdom, but without context, they can do more harm than good. Whether it's retirement savings targets, budgeting strategies, debt management, or the ideal age to retire, I’ll break down when these rules help—and when they hurt.The goal isn’t to toss out every guideline—it’s to help you think critically about whether each one applies to your real-life situation. Personal finance is exactly that—personal—and blindly following blanket advice could lead to missed opportunities or costly mistakes.By the time we reach the final rule, you’ll see why it needs a full explanation—and why even the best advice sometimes needs to bend to reality.Also, stay tuned for an important announcement about my brand new course, Social Security Simplified. If you’re confused about when or how to claim Social Security benefits for you or your family, this course could be a game changer. Details coming next week.Watch now to get a smarter, more flexible perspective on your money—and make sure to check out the recommended video at the end for even more retirement insight._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Retiring With a Mortgage? Heres Why it Might Be Smart Holy Schmidt! 2025-07-06 | If you are considering retiring with a mortgage, this video discusses the pros and cons of the decision and provides some compelling reasons why retiring with a mortgage might be the right decision under certain circumstances. _____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Retirement Money Check: 8 SURPRISING Signs You’re Winning Holy Schmidt! 2025-07-03 | Think you’re not ready to retire? You might be doing better than you think. In this video, we share 8 surprising signs you’re winning the retirement money race—from invisible wealth to multiple income streams. Watch now to find out if you're actually ahead, even if it doesn’t feel like it._____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
FIVE Social Security Benefits That UNLOCK at Full Retirement Age Holy Schmidt! 2025-06-27 | ✅ Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate). 1-440-703-1224Most people think that full retirement age only provides one Social Security benefit, but there are actually five! This video will break down all five, explaining what changes when you reach full retirement age so you can make the best choices about claiming social security. By understanding these benefits, you'll have a clearer picture of your retirement planning._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Claiming Social Security at 62? Dont Miss This Special Rule Holy Schmidt! 2025-06-26 | This video discusses a special rule that makes filing for Social Security at age 62 a little safer. _____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________MENTIONED IN VIDEO - SSA FORM 521: ssa.gov/forms/ssa-521.pdfOUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
How Much Car You Can REALLY Afford on a Fixed Income Holy Schmidt! 2025-06-20 | ✅ Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate). 1-440-703-1224How much car can you really afford in retirement? It’s not about what the dealership approves—it’s about what fits your long-term financial life. In this episode, we break down down a practical framework to help retirees and fixed-income households avoid costly mistakes when buying a car. We also discuss popular rules like the 20/4/10 Rule and the 5% of Net Worth Rule_____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Why Claiming Social Security Early to Invest USUALLY BACKFIRES Holy Schmidt! 2025-06-19 | Should You Take Social Security Early and Invest It? It’s a question I hear all the time: What if I take Social Security at age 62 and invest it in the stock market? With the S&P 500 averaging over 11% annually for the past 50 years, it seems like a no-brainer—why wait until age 70 for smaller, guaranteed benefits? But the reality is far more complex.In this video, I break down why that strategy might not be as smart—or as profitable—as it sounds. While the math looks compelling on the surface, it’s based on a series of assumptions that rarely hold up in the real world. Taxes, behavior, market timing, and even Social Security’s own rules can all work against you.We’ll also look at the one rare case where taking Social Security early and investing the money *could* actually make sense—but it only applies under very specific conditions.If you're thinking about when to claim Social Security, and especially if you're considering taking it early to try to beat the system with investments, you need to see this first.By the end, you’ll understand why guaranteed income often beats hypothetical returns—and how to make a more informed decision that could save you thousands over your retirement.Watch now to learn what most people overlook when they decide to take Social Security early_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
The TRUTH About Social Security Break Even Math | Most People Get it Wrong Holy Schmidt! 2025-06-13 | ✅ Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate link and number). 1-440-703-1224The Social Security Administration used to teach people about Social Security breakeven as the primary way to decide when to claim benefits. But here's the shocking truth: the majority of people completely ignore breakeven math and take Social Security at 62 anyway. Why? Because Social Security breakeven calculations miss crucial real-world factors that actually matter to your financial future. From family circumstances to health issues, from survivor benefits to longevity insurance, the traditional Social Security breakeven approach oversimplifies one of your most important retirement decisions. Today, I'm revealing why Social Security breakeven thinking leads to poor choices and showing you the complete framework for making the right decision for your unique situation._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
The ONLY Time Leasing a Car in Retirement ACTUALLY Works Holy Schmidt! 2025-06-08 | This video discusses when leasing a car in retirement might be the right decision. We also discuss the "Five Golden Rules of Leasing" so you don't getting ripped off!✅ If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it and recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________✅ Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________✅ The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
How Debt Wrecks Retirement | 5 Common Mistakes to Avoid Holy Schmidt! 2025-06-06 | ✅ Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate link). 1-440-703-1224Are you carrying credit card debt in retirement, or still making mortgage payments now that you stopped working? You’re not alone — and this video breaks down exactly how that debt can quietly sabotage your financial future. We explore the five biggest debt mistakes retirees make… and how to avoid them.We’ll show you how to calculate your debt-to-income ratio (DTI) — a powerful warning sign most retirees ignore — and explain why even **student loans and tax debt** can put your Social Security benefits at risk. You’ll learn how unmanaged debt in retirement leads to financial stress, faster depletion of your savings, and a reduced quality of life.But this isn’t all bad news. We also cover how to pay off debt in retirement with practical strategies like refinancing, the snowball and avalanche methods, and working with a certified credit counselor or fee-only planner. Whether you’re looking to eliminate credit card balances, reduce your mortgage burden, or just get back on track, this video is packed with the insights you need._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
5 Part Time Jobs That Make Retirement SO Much Better Holy Schmidt! 2025-06-04 | This video discusses why "working in retirement" has double over the last several decades and importantly. 5 VERY SATISFYING part time jobs that will improve not only your wallet, but also your retirement. ✅ If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use our affiliate link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________✅ Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________✅ Download our 100% FREE "Healthcare Options in Retirement Report" at holyschmidt.com/freereport You will also be added to our list and get free retirement tips, tricks and retirement articles worth sharing. Unsubscribe at anytime. _____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Geoff Schmidt, CPA answers questions on Social Security Survivor Benefits Holy Schmidt! 2025-06-04 | Tonight we answered A LOT of good questions on Social Security Survivor Benefits. If you have a question, it was probably answered. Channel Disclaimer: this Livestream and corresponding replay are for educational and entertainment purposes only and may contains errors, missing information and other issues. It is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
The 6 Levels of Wealth in Retirement | How Do You Compare Holy Schmidt! 2025-06-01 | How do the ultra-rich live in retirement — and how does this compare to everyone else? In this video, we break down the 6 levels of wealth in retirement, based on real data from the Federal Reserve’s Survey of Consumer Finances as well as six commonly discussed "wealth classifications."From the financially vulnerable to the ultra-wealthy, this guide shows how retirement wealth affects everything — daily routines, healthcare access, nutrition, housing, social life, legacy planning, and even clothing choices.We explore what wealth in retirement really looks like:-What life is like on $30K a year versus $500K+-How retirement wealth shapes freedom, purpose, and peace of mind-What average retirees can learn from those in the top 1% of the top 1%-How lifestyle changes — not just money — can improve your retirementIf you've ever wondered where you stand — or how to move up — this is your roadmap to retirement wealth.Whether you're already retired or still planning, this breakdown will help you understand the real differences between levels of wealth in retirement and give you simple actions to improve your own future._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlChannel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
New Social Security Chiefs Changes You Need to Know! Holy Schmidt! 2025-05-30 | Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate link). 1-440-703-1224This video discusses the changes ALREADY UNDERWAY implemented by the new Social Security Chief, Frank Bisignano._____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Retiring ALONE? These 10 Steps Will Protect Your Future Holy Schmidt! 2025-05-29 | This video discusses 10 steps that a SOLO Retiree (widowed, divorced, or single) should incorporate into their retirement plan to help ensure that they are safe, happy and fulfilled. _____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
3 Things Couples Should Agree on BEFORE Retiring Holy Schmidt! 2025-05-28 | This video discusses three retirement decisions that are very important to agree before retirement, yet couples can't agree 80% of the time. Download my FREE Report - Health Insurance Options in Retirement: holyschmidt.com/freereport You will also receive free tips tricks and other retirement data by email. Unsubscribe anytime. _____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Is Retiring to FLORIDA Still a Good Idea in 2025? Holy Schmidt! 2025-05-23 | Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate link)This video discusses five big issues you need to consider BEFORE moving to Florida. _____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________CHAPTERS00:00 Introduction01:49 The data is clear on Florida02:27 The boom is now a bust04:25 Insurance market in flux05:03 Families are spreading out06:15 Location, location, location07:18 Everyday life issues08:48 Try before you buy09:32 Build firewalls09:58 Get real with family10:50 Other options_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
5 - 401(k) MISTAKES That Could Cost You THOUSANDS in Retirement! Holy Schmidt! 2025-05-16 | Chapter Medicare Advisers: http://askchapter.org/schmidt (affiliate link)This video discusses five 401(k) mistakes that retirees regularly make that could cost tens of thousands of dollars in retirement. _____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Social Security Payment DELAYED? Don’t Panic—Here’s Why Holy Schmidt! 2025-05-14 | When you are expecting your Social Security payment to arrive and it doesn't, alarm bells go off! This video will discuss the most likely causes of a missing Social Security payment and the exact steps on what to do next!_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Geoff Schmidt, CPA, Livestream - May 13, 2025 : Get Your Social Security Questions Answered Holy Schmidt! 2025-05-14 | Get your Social Security questions answered with Geoffrey Schmidt, CPA, Registered Social Security Analyst_____________________________________Channel Disclaimer: this Livestream and corresponding replay are for educational and entertainment purposes only and may contains errors, missing information and other issues. It is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
Can Anyone ACTUALLY AFFORD Your House When You DOWNSIZE? Holy Schmidt! 2025-05-12 | This video discusses how, in many areas of the United States, skyrocketing home prices are too expensive for the ideal buyer of your "family sized" home that you plan on selling when you retire. The video discusses what the big issues are and what you can do about them. _____________________________________If you're still using spreadsheets for your financial planning, you're doing it the HARD WAY. Check out the best planning software I've found - BOLDIN (prev. NewRetirement) personal financial planning software. Free 2 week trial and $120/yr after. I use it recommend it. Use this link to try Boldin for free for 2 weeks: https://hlyshm.it/Boldin_____________________________________Talk to our partner, CHAPTER, the only Medicare Advisor we recommend. CHAPTER provides friendly, unbiased help and saves clients an average of $1100 per year - always 100% free to you. Call 1- 440-703-1224 and tell them "Geoff Schmidt sent you," or click this link to get started: https://hlyshm.it/Chapter_____________________________________The CENTER FOR RETIREMENT at Boston College has some of the best retirement data available and is one of our most trusted sources of information. Check out their website here: https://hlyshm.it/crr_____________________________________Please note: some of the companies and websites above are affiliate relationships of ours which means that it you purchase their product or use their service, we receive a small fee. This does not increase your cost. _____________________________________OUR THREE MOST POPULAR YOUTUBE VIDEOS OF 202410 CHEAP Purchases That Make Retirement SO Much Better: youtu.be/Rp3eLIJVlPs7 Things a Retiree Should NEVER Disclose: youtu.be/8Vekr5Nwlfg8 Ways You Can LOSE Your Social Security Payment: youtu.be/W8K9DgGUznA_____________________________________OUR THREE MOST POPULAR ARTICLES ON HOLYSCHMIDT.COMHow to Find the Right Medicare Plan: https://hlyshm.it/BestPlanGive My Regrets to Spreadsheets: Why You NEED Personal Financial Planning Software in 2025: https://hlyshm.it/ha2Financial Tools Worth Every Penny: https://hlyshm.it/ha3_____________________________________OTHER IMPORTANT LINKS:FREE Retirement Ready Checklist: https://hlyshm.it/ha5Follow Me on Instagram: https://hlyshm.it/ha6Geoff's Facebook Page: https://hlyshm.it/ha7Federal Reserve Board Survey of Consumer Finances:federalreserve.gov/econres/scfindex.htmSocial Security Administration Application for Benefitssecure.ssa.gov/iClaim/ribCurrent Social Security Cost of Living Adjustmentssa.gov/colaSocial Security Payment Estimatorssa.gov/benefits/retirement/estimator.htmlLegal disclaimer: Chapter Advisory, LLC (“Chapter”) is a private health insurance agency. In California, Chapter does business as Chapter Insurance Services (Lic. No. 6003691). Chapter is not affiliated with or endorsed by any government entity. While Chapter has a database of every Medicare plan option nationwide and can help you to search among all options, it has contracts with many but not all plans. As a result, Chapter does not offer every plan available in your area. Currently, Chapter represents 50 organizations which offer 18,601 products nationwide. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.Channel Disclaimer: this video is for educational and entertainment purposes only and is not meant to be a substitute for legal, accounting, tax, or professional advice. If you have any specific questions about any legal, accounting, tax or other professional service matter you should consult the appropriate professional services provider.
