Erin Talks Money | Erin Moriarity

Safe Withdrawal Showdown: 3.3% vs 4.6% vs 5.5% (Probability, Guarantees, or History?)

00:00 - Intro00:41 - 3 Methods01:16 - Method 1 – Morningstar04:31 - Example 105:12 - Method 2 – Wade Pfau08:42 - Example 209:24 - Floor Bucket11:45 - Method 3 – Bill Beng

7 Ways to Actually Measure Your Risk (Most Investors Get This Wrong) (Clip)

Watch the full video here: https://youtu.be/dzZlrqfToYsSome of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofDisclaimer: Pl

$110K Salary + Social Security at 67: What Really Happens (Don’t Claim Until You See This)

00:00 - Intro01:18 - Case Setup (67, working, already claimed)01:27 - Current Income (Salary + SS; Pension later)02:13 - Savings and Contributions (401k + Roth plan)04:22

Can You Really Spend 7% in Retirement? Here’s the Real Answer

For free and unbiased Medicare help, dial 510-961-3329 to speak with my trusted partner, Chapter, or go to https://askchapter.org/erinWhat is a safe withdrawal rate in re

Biggest Mistakes Families Make About Long-Term Care (And How to Avoid Them)

0:00 – Intro0:33 – Waiting Too Long1:27 – The Real Cost3:43 – Assuming Medicare Fits the Bill4:37 – Missing Documents5:50 – Avoiding Planning7:22 – BloopersMost families

How Your Investment Portfolio Should Change Over Your Lifetime (Data-Backed)

Most investors are taught to think about asset allocation as a single, permanent decision — how much should be in stocks, how much in bonds, and what their risk tolerance

When Should You Claim Social Security? Debunking Fear, Timing, and Trust Fund Myths (Part 2)

Some of my favorite books: https://amzn.to/3KF3tlrCamera and equipment I use: https://amzn.to/3Z20lofDisclaimer: Please note that this video is made for entertainment pur

The Stark Reality of What a $1.5M Retirement Looks Like in 2026

This video breaks down a recent article examining what a $1.5 million retirement looks like in 2026—and where the math and assumptions fall short.Using real 2026 tax brac

When a Roth Conversion Is a Mistake — And How to Know Before It’s Too Late

00:00 - Intro 00:50 - 1. You're In A High Tax Bracket Now — And Expect To Be In A Lower One Later 01:20 - 2. You’re A Lifetime Modest Income Earner With Modest Retirement

The 4 Levels of Investors (Most People Are Stuck at #2)

If you’ve ever wondered whether you should be maxing out your IRA—or felt behind because you’re not—this video breaks down what the data actually says about retirement sa

Claiming Social Security at 62 With Young Kids: The Shocking Payout

00:00 - Intro00:49 - Setup01:52 - Dad’s Benefit at 6202:23 - Kids’ Benefits and Family Max Formula03:31 - Kids’ Benefits04:43 - Family Max Check05:17 - What If The Family

How to Retire Early at 50 With $2M (And Safely Spend $120K/Year)

If you’re wondering whether you can retire at 50 with $2 million, this video breaks down exactly what that looks like—using real numbers, real retirement planning strateg

How Much Money Should I Have Saved by Now? (Fidelity, T. Rowe Price and Chase Respond)

00:00 - Intro00:56 - Fidelity (the 1×–10× Rule)03:46 - Fidelity Assumptions09:08 - T. Rowe Price (Ranges)10:29 - How to read the range14:33 - J.P. Morgan / Chase (Income

Medicare Advantage vs Medigap: What People Regret Learning Too Late (Clip)

For free and unbiased Medicare help, dial 510-961-3329 to speak with my trusted partner, Chapter, or go to https://askchapter.org/erinWatch the full video here: https://y

What $1 Million Really Buys You in Retirement (REAL Income After Taxes!)

00:00 - Intro01:48 - The Classic 4% Rule03:27 - Other Withdrawal Rates04:31 - Income + Social Security05:21 - Taxes and Net Income06:24 - Example 1: 100% Roth IRA07:44 -

The Most Conservative Retirement Withdrawal Strategies (And What They Really Cost You) (Clip)

Watch the full video here: https://youtu.be/Qpjxv74htog00:00 Intro00:47 Fixed Real Withdrawal03:20 Skip Inflation After a Loss06:39 Actual Spending DeclineSome of my favo

New 401(k) Rule Coming in 2026: What You Need to Know if You Earn Over $145K

00:00 Intro00:29 Roth IRAs Have Income Limits — But Roth 401(k)s Don’t01:27 What’s Changing04:18 Employer Plan Implications05:03 Edge Cases05:49 Why $145,000?06:33 Revenu

Do This Before RMDs Start (It Could Save You $400K in Taxes)

For free and unbiased Medicare help, dial 510-961-3329 to speak with my trusted partner, Chapter, or go to https://askchapter.org/erinRoth conversions before RMDs are one

Investopedia Says the American Dream Costs $5 Million — Breaking Down the Numbers

00:00 – Intro and Article Setup00:03 – Investopedia’s $5M Claim 02:08 – Retirement: $1.64M Claim, 4% vs 4.7%, SS and Compounding05:50 – Health Care: Employer Subsidies, M

New Executive Order: $1,000 IRA Bonus — Who Actually Benefits? (5 Rules)

If you’ve seen headlines claiming the government is giving Americans up to $1,000 per year for retirement, this video breaks down what’s actually changing, who qualifies,