{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Ep 100: Michael Finke: Retirees Should Calculate to Not Be a Loser","description":"In this episode, The Annuity Man and Michael Finke discuss:  Delaying your decision to claim  Insulating your income from volatility  Inflation is personal  Consequences of not annuitizing   Key Takeaways:  If you have a good reason to expect that you\u2019re not going to live as long as an average American, then it makes sense to claim early. Unless, you have a spouse who can continue to receive your benefit.  Anybody who\u2019s using stocks to compare the present value of future guaranteed income is insane. Insulate a portion of your income stock-market volatility, that\u2019s just the right thing to do both mathematically and psychologically.  Inflation is personal. It affects each person differently. When you\u2019re planning for retirement, pay attention to what percentage of your expenses are subject to increases in inflation and what are \u201cstable nominal expenses\u201d.  Stocks will be more volatile, and bonds less volatile. Either way, there is a lot of probability and risks involved.    "Essentially what you're doing when you\u2019re delaying social security is that you are buying more of a government-provided, inflation-protected, annuity." \u2014  Micheal Finke \u202f  Connect With Micheal Finke: Website: http:\/\/www.michaelfinke.com\/  LinkedIn:  https:\/\/www.linkedin.com\/in\/michael-finke-8134808\/  Facebook: https:\/\/www.facebook.com\/mfinke  Twitter: https:\/\/twitter.com\/FinkeonFinance    Connect with The Annuity Man:  Website: http:\/\/theannuityman.com\/  Email: Stan@TheAnnuityMan.com  Book: Owner\u2019s Manuals: https:\/\/www.stantheannuityman.com\/how-do-annuities-work YouTube: https:\/\/www.youtube.com\/channel\/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today - https:\/\/www.stantheannuityman.com\/annuity-calculator!  ","author_name":"\u201cFun With Annuities\u201d The Annuity Man Podcast","author_url":"https:\/\/www.TheAnnuityMan.com","html":"