Ep. 201 - RETIREMENT BIGGEST LIE - WHY THE 4 percent RULE COULD BE FAILING YOU!
Sat Aug 09 2025
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Unlocking Retirement Security with Steve Selengut: Income Independence Strategies
In this episode of the Merging Life and Money Show, host Marie-Jo Caesar welcomes special guest Steve Selengut, a bestselling author and investment advisor with over 40 years of experience. Steve shares his unique approach to retirement planning, focusing on generating reliable income without selling investments—a strategy effective in both rising and falling markets. The discussion covers essential topics such as the concept of income independence, risk minimizers, portfolio management, and the critical importance of diversification. Steve also compares portfolio management to running a department store, emphasizing the need for quality, diversification, and profit-taking. This episode provides valuable insights for anyone aiming to achieve financial security and peace of mind in retirement.
3 Main Points
✅ Income Independence Focus:
Steve Selengut highlights the importance of generating a steady income stream for retirement, ensuring financial security despite market changes, rather than solely accumulating wealth
✅ Four Financial Risk Minimizers:
Steve identifies four key strategies to reduce financial risk—quality, diversification, income, and profit-taking—essential for protecting investments and maintaining stability, especially for retirees.
✅ The Department Store Analogy:
Steve likens portfolio management to a department store, emphasizing the importance of diversification and inventory management to spread risk and consistently secure profits.
🕒 KEY MOMENTS IN THIS EPISODE
00:00 – Special Guest Introduction
01:59 - Income Independence vs Wealth Accumulation
07:58 - The 4 Great Financial Risk Minimizers
17:40 - Implementing Risk Minimizers for Average Investors
20:54 - Risk Minimizers Across Different Life Stages
23:31 - Adjusting Financial Thinking in Today's Economy
25:21 - The Department Store Analogy
27:30 - Inventory Management Strategies
30:50 - Restocking Techniques
32:40 - Importance of Diversification
35:00 - Tenant Selection Best Practices
41:54 - Achieving Income Independence
47:10 - Understanding the 4% Rule
52:30 - Steps to Achieve Income Independence
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Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom.
Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.
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Send us a text Unlocking Retirement Security with Steve Selengut: Income Independence Strategies In this episode of the Merging Life and Money Show, host Marie-Jo Caesar welcomes special guest Steve Selengut, a bestselling author and investment advisor with over 40 years of experience. Steve shares his unique approach to retirement planning, focusing on generating reliable income without selling investments—a strategy effective in both rising and falling markets. The discussion covers essential topics such as the concept of income independence, risk minimizers, portfolio management, and the critical importance of diversification. Steve also compares portfolio management to running a department store, emphasizing the need for quality, diversification, and profit-taking. This episode provides valuable insights for anyone aiming to achieve financial security and peace of mind in retirement. 3 Main Points ✅ Income Independence Focus: Steve Selengut highlights the importance of generating a steady income stream for retirement, ensuring financial security despite market changes, rather than solely accumulating wealth ✅ Four Financial Risk Minimizers: Steve identifies four key strategies to reduce financial risk—quality, diversification, income, and profit-taking—essential for protecting investments and maintaining stability, especially for retirees. ✅ The Department Store Analogy: Steve likens portfolio management to a department store, emphasizing the importance of diversification and inventory management to spread risk and consistently secure profits. 🕒 KEY MOMENTS IN THIS EPISODE 00:00 – Special Guest Introduction 01:59 - Income Independence vs Wealth Accumulation 07:58 - The 4 Great Financial Risk Minimizers 17:40 - Implementing Risk Minimizers for Average Investors 20:54 - Risk Minimizers Across Different Life Stages 23:31 - Adjusting Financial Thinking in Today's Economy 25:21 - The Department Store Analogy 27:30 - Inventory Management Strategies 30:50 - Restocking Techniques 32:40 - Importance of Diversification 35:00 - Tenant Selection Best Practices 41:54 - Achieving Income Independence 47:10 - Understanding the 4% Rule 52:30 - Steps to Achieve Income Independence Support the show Connect with me: Instagram: https://www.instagram.com/the_financiologist_mjcaesar/ Facebook: https://www.facebook.com/merginglifeandmoney YouTube: https://www.youtube.com/channel/UCDOmx_ThReq0hAC3acvMQ9g Twitter: https://www.twitter.com/https://twitter.com/mariejocaesar LinkedIn: https://www.linkedin.com/in/mjcaesar Click this link https://mariejocaesar.com/fp-quiz to take the "What's Your Financial Personality Type” Quiz, so you can transform your financial identity and create Financial Freedom. Click this link: https://mariejocaesar.com/consult to book a FREE consultation now! Let's map out your path to financial wellness together. Your future self will thank you.