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CJ emphasizes that taxes impact everything from income and investments to what you ultimately pass on, making year-round planning essential for long-term efficiency. Eric explains that instead of focusing only on reducing taxes annually, the goal should be managing taxes across your lifetime.<br />The discussion breaks tax planning into three key areas: income planning, investment structure, and legacy planning. In retirement, coordinating multiple income sources like Social Security, retirement withdrawals, and investments, can help manage tax brackets and avoid costly spikes. Strategic moves such as Roth conversions can smooth out taxes over time. On the investment side, the focus shifts to after-tax returns, highlighting the importance of asset location and managing gains and losses. <br />Finally, in legacy planning, thoughtful asset distribution can reduce tax burdens for heirs and maximize the impact of charitable giving.<br />The key takeaway: taxes are an ongoing part of your financial life, and coordinating decisions across all areas can help you keep more of what you’ve built while strengthening your overall plan.<br />Learn More:<br /><a href="https://klaasfinancial.com/" target="_blank" rel="noreferrer noopener">klaasfinancial.com</a><br />]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/72209035</guid><pubDate>Thu, 28 May 2026 14:49:02 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/72209035/5_28_26_klaas.mp3" length="25522260" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/starship/a4ec190e-9e90-4a29-a18b-080817b43d6e/a4ec190e-9e90-4a29-a18b-080817b43d6e.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/a4ec190e-9e90-4a29-a18b-080817b43d6e/a4ec190e-9e90-4a29-a18b-080817b43d6e.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/starship/a4ec190e-9e90-4a29-a18b-080817b43d6e/a4ec190e-9e90-4a29-a18b-080817b43d6e.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>How tax strategy plays a critical role in everyday financial decisions,not just during tax season. CJ emphasizes that taxes impact everything from income and investments to what you ultimately pass on, making year-round planning essential for...</itunes:subtitle><itunes:summary><![CDATA[How tax strategy plays a critical role in everyday financial decisions,not just during tax season. CJ emphasizes that taxes impact everything from income and investments to what you ultimately pass on, making year-round planning essential for long-term efficiency. Eric explains that instead of focusing only on reducing taxes annually, the goal should be managing taxes across your lifetime.<br />The discussion breaks tax planning into three key areas: income planning, investment structure, and legacy planning. In retirement, coordinating multiple income sources like Social Security, retirement withdrawals, and investments, can help manage tax brackets and avoid costly spikes. Strategic moves such as Roth conversions can smooth out taxes over time. On the investment side, the focus shifts to after-tax returns, highlighting the importance of asset location and managing gains and losses. <br />Finally, in legacy planning, thoughtful asset distribution can reduce tax burdens for heirs and maximize the impact of charitable giving.<br />The key takeaway: taxes are an ongoing part of your financial life, and coordinating decisions across all areas can help you keep more of what you’ve built while strengthening your overall plan.<br />Learn More:<br /><a href="https://klaasfinancial.com/" target="_blank" rel="noreferrer noopener">klaasfinancial.com</a><br />]]></itunes:summary><itunes:duration>1596</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Thoughtful Investor: Building Portfolios Around Purpose, Time, and 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url="https://transcription.spreaker.com/sounder/d144226e-22de-4330-b8cd-d5f5d4cf8a46/d144226e-22de-4330-b8cd-d5f5d4cf8a46.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d144226e-22de-4330-b8cd-d5f5d4cf8a46/d144226e-22de-4330-b8cd-d5f5d4cf8a46.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ join Shawn with strategic insights for smart gifting in your estate planning.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ join Shawn with strategic insights for smart gifting in your estate planning.]]></itunes:summary><itunes:duration>1768</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Rising Rates, Lower Debt: Optimize Your Retirement</title><link>https://www.spreaker.com/episode/rising-rates-lower-debt-optimize-your-retirement--58685974</link><guid isPermaLink="false">https://api.spreaker.com/episode/58685974</guid><pubDate>Thu, 15 Feb 2024 16:55:01 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58685974/21524klaaspodcast.mp3" length="29213323" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b182b0b1-88c1-4db5-a028-00a22b3b1365/b182b0b1-88c1-4db5-a028-00a22b3b1365.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b182b0b1-88c1-4db5-a028-00a22b3b1365/b182b0b1-88c1-4db5-a028-00a22b3b1365.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b182b0b1-88c1-4db5-a028-00a22b3b1365/b182b0b1-88c1-4db5-a028-00a22b3b1365.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>2039</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>RMDs &amp; Charitable Savvy: Tax Smart Choices for Retirement Funds</title><link>https://www.spreaker.com/episode/rmds-charitable-savvy-tax-smart-choices-for-retirement-funds--58610337</link><description><![CDATA[Maleeah, CJ, and Shawn talks about everything you need to know when considering making charitable donations out of your RMDs.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58610337</guid><pubDate>Thu, 08 Feb 2024 14:54:42 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58610337/klaas_2_8_24.mp3" length="27694395" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/94795371-bb51-463a-8c4e-59b98bca43e3/94795371-bb51-463a-8c4e-59b98bca43e3.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/94795371-bb51-463a-8c4e-59b98bca43e3/94795371-bb51-463a-8c4e-59b98bca43e3.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/94795371-bb51-463a-8c4e-59b98bca43e3/94795371-bb51-463a-8c4e-59b98bca43e3.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talks about everything you need to know when considering making charitable donations out of your RMDs.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talks about everything you need to know when considering making charitable donations out of your RMDs.]]></itunes:summary><itunes:duration>1868</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Working and Social Security: Benefits Unveiled</title><link>https://www.spreaker.com/episode/working-and-social-security-benefits-unveiled--58533632</link><guid isPermaLink="false">https://api.spreaker.com/episode/58533632</guid><pubDate>Thu, 01 Feb 2024 15:06:53 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58533632/klaas_2_1_24.mp3" length="24493463" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a92858da-72bf-4e52-9ee4-1d50bf846d30/a92858da-72bf-4e52-9ee4-1d50bf846d30.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a92858da-72bf-4e52-9ee4-1d50bf846d30/a92858da-72bf-4e52-9ee4-1d50bf846d30.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a92858da-72bf-4e52-9ee4-1d50bf846d30/a92858da-72bf-4e52-9ee4-1d50bf846d30.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1793</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Hiring an Accountant This Tax Season</title><link>https://www.spreaker.com/episode/hiring-an-accountant-this-tax-season--58445917</link><description><![CDATA[CJ and Maleeah talk about filing taxes and why you should get an accountant to help you out.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58445917</guid><pubDate>Thu, 25 Jan 2024 14:50:03 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58445917/klaas_1_25_24.mp3" length="27931069" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e2af5cc-814c-4271-8e44-783f503aba3e/2e2af5cc-814c-4271-8e44-783f503aba3e.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e2af5cc-814c-4271-8e44-783f503aba3e/2e2af5cc-814c-4271-8e44-783f503aba3e.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e2af5cc-814c-4271-8e44-783f503aba3e/2e2af5cc-814c-4271-8e44-783f503aba3e.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ and Maleeah talk about filing taxes and why you should get an accountant to help you out.</itunes:subtitle><itunes:summary><![CDATA[CJ and Maleeah talk about filing taxes and why you should get an accountant to help you out.]]></itunes:summary><itunes:duration>2044</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Future Proofing Your Retirement</title><link>https://www.spreaker.com/episode/future-proofing-your-retirement--58348159</link><description><![CDATA[Maleeah, CJ, and Shawn talk about what you need to (as much as possible) protect your retirement into 2024 and beyond.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58348159</guid><pubDate>Thu, 18 Jan 2024 14:55:28 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58348159/klaas_1_18_24.mp3" length="28754506" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/5546138d-a1c2-41d5-ad6b-8521ffce0ed1/5546138d-a1c2-41d5-ad6b-8521ffce0ed1.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/5546138d-a1c2-41d5-ad6b-8521ffce0ed1/5546138d-a1c2-41d5-ad6b-8521ffce0ed1.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/5546138d-a1c2-41d5-ad6b-8521ffce0ed1/5546138d-a1c2-41d5-ad6b-8521ffce0ed1.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about what you need to (as much as possible) protect your retirement into 2024 and beyond.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about what you need to (as much as possible) protect your retirement into 2024 and beyond.]]></itunes:summary><itunes:duration>1817</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>2024 Tax Shifts: A Retiree's Guide</title><link>https://www.spreaker.com/episode/2024-tax-shifts-a-retiree-s-guide--58266282</link><description><![CDATA[Maleeah, CJ, and Shawn talk about tax changes that you need to know about in 2024.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58266282</guid><pubDate>Thu, 11 Jan 2024 16:20:28 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58266282/klaas_1_11_24.mp3" length="28456825" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/916b413e-5e8a-49c3-8e3c-2f02b46831e6/916b413e-5e8a-49c3-8e3c-2f02b46831e6.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/916b413e-5e8a-49c3-8e3c-2f02b46831e6/916b413e-5e8a-49c3-8e3c-2f02b46831e6.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/916b413e-5e8a-49c3-8e3c-2f02b46831e6/916b413e-5e8a-49c3-8e3c-2f02b46831e6.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about tax changes that you need to know about in 2024.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about tax changes that you need to know about in 2024.]]></itunes:summary><itunes:duration>1817</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>When to Wait</title><link>https://www.spreaker.com/episode/when-to-wait--58198061</link><description><![CDATA[CJ, Maleeah, and Shawn tak about when you should wait to take Social Security and when it might not be the best idea.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58198061</guid><pubDate>Thu, 04 Jan 2024 14:58:07 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58198061/klaas_1_4_23.mp3" length="27537973" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3b6008e-aab4-4886-9ec6-5990e37af948/c3b6008e-aab4-4886-9ec6-5990e37af948.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3b6008e-aab4-4886-9ec6-5990e37af948/c3b6008e-aab4-4886-9ec6-5990e37af948.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3b6008e-aab4-4886-9ec6-5990e37af948/c3b6008e-aab4-4886-9ec6-5990e37af948.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn tak about when you should wait to take Social Security and when it might not be the best idea.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn tak about when you should wait to take Social Security and when it might not be the best idea.]]></itunes:summary><itunes:duration>2016</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Mistakes to Avoid When Planning For Retirement</title><link>https://www.spreaker.com/episode/mistakes-to-avoid-when-planning-for-retirement--58084822</link><description><![CDATA[Eric, CJ, and Shawn talk about the mistakes people make when planning for retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58084822</guid><pubDate>Thu, 21 Dec 2023 14:51:15 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58084822/klaas_12_21_23.mp3" length="21929566" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a4ee7568-1aba-484c-8471-f2d784562473/a4ee7568-1aba-484c-8471-f2d784562473.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a4ee7568-1aba-484c-8471-f2d784562473/a4ee7568-1aba-484c-8471-f2d784562473.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a4ee7568-1aba-484c-8471-f2d784562473/a4ee7568-1aba-484c-8471-f2d784562473.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Eric, CJ, and Shawn talk about the mistakes people make when planning for retirement.</itunes:subtitle><itunes:summary><![CDATA[Eric, CJ, and Shawn talk about the mistakes people make when planning for retirement.]]></itunes:summary><itunes:duration>1666</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Best Planning Practices for 2024!!</title><link>https://www.spreaker.com/episode/best-planning-practices-for-2024--58008398</link><description><![CDATA[Maleeah, CJ, and Shawn talk about what you need to know to for retirement planning in 2024.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/58008398</guid><pubDate>Thu, 14 Dec 2023 15:01:42 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/58008398/klaas_12_14_23.mp3" length="23850840" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/961c2faa-70b9-40d8-b9ea-f882c8f642f5/961c2faa-70b9-40d8-b9ea-f882c8f642f5.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/961c2faa-70b9-40d8-b9ea-f882c8f642f5/961c2faa-70b9-40d8-b9ea-f882c8f642f5.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/961c2faa-70b9-40d8-b9ea-f882c8f642f5/961c2faa-70b9-40d8-b9ea-f882c8f642f5.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about what you need to know to for retirement planning in 2024.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about what you need to know to for retirement planning in 2024.]]></itunes:summary><itunes:duration>1812</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Required Minimum Distributions (RMDs)</title><link>https://www.spreaker.com/episode/required-minimum-distributions-rmds--57939838</link><guid isPermaLink="false">https://api.spreaker.com/episode/57939838</guid><pubDate>Thu, 07 Dec 2023 14:48:39 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57939838/klaas_12_7_23.mp3" length="21527763" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/eaee7058-a2f2-4510-b67e-e84da229efff/eaee7058-a2f2-4510-b67e-e84da229efff.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/eaee7058-a2f2-4510-b67e-e84da229efff/eaee7058-a2f2-4510-b67e-e84da229efff.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/eaee7058-a2f2-4510-b67e-e84da229efff/eaee7058-a2f2-4510-b67e-e84da229efff.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1656</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Gift Giving in 2023</title><link>https://www.spreaker.com/episode/gift-giving-in-2023--57864441</link><description><![CDATA[Maleeah, CJ, and Shawn talk about how much you can give and to whom in 2023.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57864441</guid><pubDate>Thu, 30 Nov 2023 15:06:11 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57864441/klaas_11_30_23.mp3" length="21309702" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb/c49a1f87-1522-4fcd-b81f-8d9eb2b74cbb.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about how much you can give and to whom in 2023.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about how much you can give and to whom in 2023.]]></itunes:summary><itunes:duration>1640</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Long-Term Care In Retirement</title><link>https://www.spreaker.com/episode/long-term-care-in-retirement--57665945</link><description><![CDATA[Maleeah, CJ, and Shawn talk about the costs of long term care as you get older and the importance of finding the best way to cover it.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57665945</guid><pubDate>Thu, 16 Nov 2023 15:02:02 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57665945/klaas_11_16_23.mp3" length="31557089" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4b434780-1167-4ae9-90b8-671540daee9a/4b434780-1167-4ae9-90b8-671540daee9a.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4b434780-1167-4ae9-90b8-671540daee9a/4b434780-1167-4ae9-90b8-671540daee9a.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4b434780-1167-4ae9-90b8-671540daee9a/4b434780-1167-4ae9-90b8-671540daee9a.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about the costs of long term care as you get older and the importance of finding the best way to cover it.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about the costs of long term care as you get older and the importance of finding the best way to cover it.]]></itunes:summary><itunes:duration>1787</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Planning for the Costs of College</title><link>https://www.spreaker.com/episode/planning-for-the-costs-of-college--57580491</link><guid isPermaLink="false">https://api.spreaker.com/episode/57580491</guid><pubDate>Thu, 09 Nov 2023 16:35:01 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57580491/11_9_23_klaas.mp3" length="24650815" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/1f18644a-100c-4835-bac9-450ba950ef5d/1f18644a-100c-4835-bac9-450ba950ef5d.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/1f18644a-100c-4835-bac9-450ba950ef5d/1f18644a-100c-4835-bac9-450ba950ef5d.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/1f18644a-100c-4835-bac9-450ba950ef5d/1f18644a-100c-4835-bac9-450ba950ef5d.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1541</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Hitting the Retirement Target</title><link>https://www.spreaker.com/episode/hitting-the-retirement-target--57483765</link><description><![CDATA[CJ, Maleeah, and Shawn talk about how to make sure you're on target to retire with the money you need and the timeline you want.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57483765</guid><pubDate>Thu, 02 Nov 2023 14:03:35 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57483765/klaas_11_2_23.mp3" length="23983325" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6903fe16-9803-40d1-905b-11b4da8127ce/6903fe16-9803-40d1-905b-11b4da8127ce.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6903fe16-9803-40d1-905b-11b4da8127ce/6903fe16-9803-40d1-905b-11b4da8127ce.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6903fe16-9803-40d1-905b-11b4da8127ce/6903fe16-9803-40d1-905b-11b4da8127ce.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about how to make sure you're on target to retire with the money you need and the timeline you want.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about how to make sure you're on target to retire with the money you need and the timeline you want.]]></itunes:summary><itunes:duration>1845</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Caring for Aging Parents</title><link>https://www.spreaker.com/episode/caring-for-aging-parents--57396698</link><description><![CDATA[Maleeah, CJ, and Shawn talk about the trials and stresses of caring for aging parents - and what adult children and aging parents need to know.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57396698</guid><pubDate>Thu, 26 Oct 2023 13:56:18 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57396698/klaas_10_26_23.mp3" length="22030191" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4ca8bad1-27f1-493f-bbce-d21f0405bd3a/4ca8bad1-27f1-493f-bbce-d21f0405bd3a.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4ca8bad1-27f1-493f-bbce-d21f0405bd3a/4ca8bad1-27f1-493f-bbce-d21f0405bd3a.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/4ca8bad1-27f1-493f-bbce-d21f0405bd3a/4ca8bad1-27f1-493f-bbce-d21f0405bd3a.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about the trials and stresses of caring for aging parents - and what adult children and aging parents need to know.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about the trials and stresses of caring for aging parents - and what adult children and aging parents need to know.]]></itunes:summary><itunes:duration>1740</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Taking Social Security Early</title><link>https://www.spreaker.com/episode/taking-social-security-early--57305726</link><guid isPermaLink="false">https://api.spreaker.com/episode/57305726</guid><pubDate>Thu, 19 Oct 2023 14:04:10 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57305726/klaas_10_19_23.mp3" length="24383733" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e8cc001-d6a3-47a0-9101-e3c517e8672e/2e8cc001-d6a3-47a0-9101-e3c517e8672e.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e8cc001-d6a3-47a0-9101-e3c517e8672e/2e8cc001-d6a3-47a0-9101-e3c517e8672e.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/2e8cc001-d6a3-47a0-9101-e3c517e8672e/2e8cc001-d6a3-47a0-9101-e3c517e8672e.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1763</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retiring Early</title><link>https://www.spreaker.com/episode/retiring-early--57211877</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what you need to know if you'd really like to retire early.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57211877</guid><pubDate>Thu, 12 Oct 2023 14:15:06 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57211877/klaas_10_12_23.mp3" length="22008039" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what you need to know if you'd really like to retire early.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what you need to know if you'd really like to retire early.]]></itunes:summary><itunes:duration>1738</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Estate Planning</title><link>https://www.spreaker.com/episode/estate-planning--57086243</link><description><![CDATA[Stepping in for Maleeah this week is Kyle Kite, who - along with CJ, talk wills, powers of attorney, and all things estate planning.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/57086243</guid><pubDate>Thu, 05 Oct 2023 14:03:05 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/57086243/klaas_10_5_23.mp3" length="34377597" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/19278b45-13c0-4bb2-a3ee-f6691aa5a966/19278b45-13c0-4bb2-a3ee-f6691aa5a966.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/19278b45-13c0-4bb2-a3ee-f6691aa5a966/19278b45-13c0-4bb2-a3ee-f6691aa5a966.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/19278b45-13c0-4bb2-a3ee-f6691aa5a966/19278b45-13c0-4bb2-a3ee-f6691aa5a966.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Stepping in for Maleeah this week is Kyle Kite, who - along with CJ, talk wills, powers of attorney, and all things estate planning.</itunes:subtitle><itunes:summary><![CDATA[Stepping in for Maleeah this week is Kyle Kite, who - along with CJ, talk wills, powers of attorney, and all things estate planning.]]></itunes:summary><itunes:duration>1734</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Annuities</title><link>https://www.spreaker.com/episode/annuities--56977132</link><description><![CDATA[Maleeah and CJ scratch the surface of everything you need to know about annuities.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56977132</guid><pubDate>Thu, 28 Sep 2023 13:56:15 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56977132/klaas_9_28_23.mp3" length="24654757" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/e10d8745-fd2b-4427-abae-df6181701243/e10d8745-fd2b-4427-abae-df6181701243.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/e10d8745-fd2b-4427-abae-df6181701243/e10d8745-fd2b-4427-abae-df6181701243.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/e10d8745-fd2b-4427-abae-df6181701243/e10d8745-fd2b-4427-abae-df6181701243.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ scratch the surface of everything you need to know about annuities.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ scratch the surface of everything you need to know about annuities.]]></itunes:summary><itunes:duration>1947</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement and the Small Business Owner</title><link>https://www.spreaker.com/episode/retirement-and-the-small-business-owner--56884057</link><description><![CDATA[CJ and Maleeah talk about what small business owners should do to be prepared for THEIR retirement.  (Hint: the plan shouldn't be selling the business.)]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56884057</guid><pubDate>Thu, 21 Sep 2023 13:49:15 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56884057/klaas_9_21_23.mp3" length="25766584" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d226aab5-0387-40bb-8114-b3405b7ee0ff/d226aab5-0387-40bb-8114-b3405b7ee0ff.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d226aab5-0387-40bb-8114-b3405b7ee0ff/d226aab5-0387-40bb-8114-b3405b7ee0ff.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d226aab5-0387-40bb-8114-b3405b7ee0ff/d226aab5-0387-40bb-8114-b3405b7ee0ff.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ and Maleeah talk about what small business owners should do to be prepared for THEIR retirement.  (Hint: the plan shouldn't be selling the business.)</itunes:subtitle><itunes:summary><![CDATA[CJ and Maleeah talk about what small business owners should do to be prepared for THEIR retirement.  (Hint: the plan shouldn't be selling the business.)]]></itunes:summary><itunes:duration>2008</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Spouses and Social Security</title><link>https://www.spreaker.com/episode/spouses-and-social-security--56800054</link><description><![CDATA[Eric, Maleeah, and Shawn talk about spouses, ex-spouses, widowed spouses, and social security.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56800054</guid><pubDate>Thu, 14 Sep 2023 13:54:49 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56800054/klaas_9_14_23.mp3" length="28680359" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/65a86b20-d1ec-4e20-b452-5fa739ec74ff/65a86b20-d1ec-4e20-b452-5fa739ec74ff.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/65a86b20-d1ec-4e20-b452-5fa739ec74ff/65a86b20-d1ec-4e20-b452-5fa739ec74ff.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/65a86b20-d1ec-4e20-b452-5fa739ec74ff/65a86b20-d1ec-4e20-b452-5fa739ec74ff.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Eric, Maleeah, and Shawn talk about spouses, ex-spouses, widowed spouses, and social security.</itunes:subtitle><itunes:summary><![CDATA[Eric, Maleeah, and Shawn talk about spouses, ex-spouses, widowed spouses, and social security.]]></itunes:summary><itunes:duration>1793</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Where To Live</title><link>https://www.spreaker.com/episode/where-to-live--56725417</link><description><![CDATA[Maleeah and CJ talk about important things to consider when you're thinking about WHERE you want to live in retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56725417</guid><pubDate>Thu, 07 Sep 2023 14:26:05 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56725417/klaas_9_7_23.mp3" length="27836918" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/0759ab48-4687-4a2f-b251-7b0e73485dbb/0759ab48-4687-4a2f-b251-7b0e73485dbb.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/0759ab48-4687-4a2f-b251-7b0e73485dbb/0759ab48-4687-4a2f-b251-7b0e73485dbb.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/0759ab48-4687-4a2f-b251-7b0e73485dbb/0759ab48-4687-4a2f-b251-7b0e73485dbb.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk about important things to consider when you're thinking about WHERE you want to live in retirement.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk about important things to consider when you're thinking about WHERE you want to live in retirement.]]></itunes:summary><itunes:duration>1740</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Getting Out of Debt</title><link>https://www.spreaker.com/episode/getting-out-of-debt--56648802</link><description><![CDATA[CJ, Klaas, and Shawn talk about the importance of getting out of debt.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56648802</guid><pubDate>Thu, 31 Aug 2023 14:00:05 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56648802/klaas_8_31_23.mp3" length="30922292" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a5226292-a78e-48cf-bd64-50ff4a21f3d4/a5226292-a78e-48cf-bd64-50ff4a21f3d4.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a5226292-a78e-48cf-bd64-50ff4a21f3d4/a5226292-a78e-48cf-bd64-50ff4a21f3d4.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a5226292-a78e-48cf-bd64-50ff4a21f3d4/a5226292-a78e-48cf-bd64-50ff4a21f3d4.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Klaas, and Shawn talk about the importance of getting out of debt.</itunes:subtitle><itunes:summary><![CDATA[CJ, Klaas, and Shawn talk about the importance of getting out of debt.]]></itunes:summary><itunes:duration>1933</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Fees</title><link>https://www.spreaker.com/episode/fees--56577819</link><description><![CDATA['Fees' should probably be included with things like 'death' and 'taxes' as being inevitable.  Maleeah and CJ talk about what kind of fees you can expect when dealing with your retirement accounts.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56577819</guid><pubDate>Thu, 24 Aug 2023 13:52:17 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56577819/klaas_8_24_23.mp3" length="28244428" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d80fedc3-c819-4af5-b1e1-189694767540/d80fedc3-c819-4af5-b1e1-189694767540.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d80fedc3-c819-4af5-b1e1-189694767540/d80fedc3-c819-4af5-b1e1-189694767540.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d80fedc3-c819-4af5-b1e1-189694767540/d80fedc3-c819-4af5-b1e1-189694767540.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>'Fees' should probably be included with things like 'death' and 'taxes' as being inevitable.  Maleeah and CJ talk about what kind of fees you can expect when dealing with your retirement accounts.</itunes:subtitle><itunes:summary><![CDATA['Fees' should probably be included with things like 'death' and 'taxes' as being inevitable.  Maleeah and CJ talk about what kind of fees you can expect when dealing with your retirement accounts.]]></itunes:summary><itunes:duration>1766</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Retirement Readiness</title><link>https://www.spreaker.com/episode/retirement-readiness--56501546</link><description><![CDATA[CJ, Maleeah, and Shawn talk about important steps to keep in mind when getting ready for retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56501546</guid><pubDate>Thu, 17 Aug 2023 13:47:31 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56501546/klaas_8_17_23.mp3" length="26995148" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e/b8ffd912-4d5e-4ca3-acb4-0a11c3b8ea1e.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about important steps to keep in mind when getting ready for retirement.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about important steps to keep in mind when getting ready for retirement.]]></itunes:summary><itunes:duration>1688</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Timing Your Social Security Benefits</title><link>https://www.spreaker.com/episode/timing-your-social-security-benefits--56422993</link><description><![CDATA[They say timing is everything and that is especially true when it comes to Social Security benefits.  Eric, Maleeah, and Shawn talk about that and take your questions on today's show.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56422993</guid><pubDate>Thu, 10 Aug 2023 14:23:38 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56422993/klaas_8_10_23.mp3" length="32918047" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6b6ab064-cdc5-4d08-82bd-fd9399273c8c/6b6ab064-cdc5-4d08-82bd-fd9399273c8c.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6b6ab064-cdc5-4d08-82bd-fd9399273c8c/6b6ab064-cdc5-4d08-82bd-fd9399273c8c.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6b6ab064-cdc5-4d08-82bd-fd9399273c8c/6b6ab064-cdc5-4d08-82bd-fd9399273c8c.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>They say timing is everything and that is especially true when it comes to Social Security benefits.  Eric, Maleeah, and Shawn talk about that and take your questions on today's show.</itunes:subtitle><itunes:summary><![CDATA[They say timing is everything and that is especially true when it comes to Social Security benefits.  Eric, Maleeah, and Shawn talk about that and take your questions on today's show.]]></itunes:summary><itunes:duration>2058</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Risk Tolerance and Bias</title><link>https://www.spreaker.com/episode/risk-tolerance-and-bias--56356674</link><description><![CDATA[Maleeah and CJ talk about risk tolerance and bias and why 'know thyself' is REALLY important when managing your own investments.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56356674</guid><pubDate>Thu, 03 Aug 2023 14:06:04 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56356674/klaas_8_3_23.mp3" length="28674090" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a42e982-8605-4363-bbd2-18f78baddd9c/9a42e982-8605-4363-bbd2-18f78baddd9c.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a42e982-8605-4363-bbd2-18f78baddd9c/9a42e982-8605-4363-bbd2-18f78baddd9c.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a42e982-8605-4363-bbd2-18f78baddd9c/9a42e982-8605-4363-bbd2-18f78baddd9c.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk about risk tolerance and bias and why 'know thyself' is REALLY important when managing your own investments.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk about risk tolerance and bias and why 'know thyself' is REALLY important when managing your own investments.]]></itunes:summary><itunes:duration>1793</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Insurance You Actually Need</title><link>https://www.spreaker.com/episode/the-insurance-you-actually-need--56248173</link><description><![CDATA[Maleeah, CJ, and SHawn talk about what insurance you actually need as you grow older.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56248173</guid><pubDate>Thu, 27 Jul 2023 14:04:11 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56248173/klaas_7_27_23.mp3" length="27274344" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a760672-3aad-4247-9e12-3cab6838fa12/9a760672-3aad-4247-9e12-3cab6838fa12.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a760672-3aad-4247-9e12-3cab6838fa12/9a760672-3aad-4247-9e12-3cab6838fa12.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9a760672-3aad-4247-9e12-3cab6838fa12/9a760672-3aad-4247-9e12-3cab6838fa12.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and SHawn talk about what insurance you actually need as you grow older.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and SHawn talk about what insurance you actually need as you grow older.]]></itunes:summary><itunes:duration>1705</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>It's Never Too Early For Taxes</title><link>https://www.spreaker.com/episode/it-s-never-too-early-for-taxes--56167259</link><description><![CDATA[Is July 2023 the new April 2024?  CJ, Maleeah, and Shawn talk about the importance of getting to your taxes early.  Really early.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56167259</guid><pubDate>Thu, 20 Jul 2023 14:07:50 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56167259/klaas_7_20_23.mp3" length="28519027" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a9ff9dd3-acd3-4860-865c-3be830cc9840/a9ff9dd3-acd3-4860-865c-3be830cc9840.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a9ff9dd3-acd3-4860-865c-3be830cc9840/a9ff9dd3-acd3-4860-865c-3be830cc9840.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/a9ff9dd3-acd3-4860-865c-3be830cc9840/a9ff9dd3-acd3-4860-865c-3be830cc9840.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Is July 2023 the new April 2024?  CJ, Maleeah, and Shawn talk about the importance of getting to your taxes early.  Really early.</itunes:subtitle><itunes:summary><![CDATA[Is July 2023 the new April 2024?  CJ, Maleeah, and Shawn talk about the importance of getting to your taxes early.  Really early.]]></itunes:summary><itunes:duration>1783</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Nine Mistakes</title><link>https://www.spreaker.com/episode/nine-mistakes--56087599</link><description><![CDATA[CJ and Maleeah talk about the nine mistakes people make when preparing for retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/56087599</guid><pubDate>Thu, 13 Jul 2023 14:09:16 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/56087599/klaas_7_13_23.mp3" length="26836741" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/7f39ece8-ae5e-4039-8087-889663ad4da4/7f39ece8-ae5e-4039-8087-889663ad4da4.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/7f39ece8-ae5e-4039-8087-889663ad4da4/7f39ece8-ae5e-4039-8087-889663ad4da4.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/7f39ece8-ae5e-4039-8087-889663ad4da4/7f39ece8-ae5e-4039-8087-889663ad4da4.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ and Maleeah talk about the nine mistakes people make when preparing for retirement.</itunes:subtitle><itunes:summary><![CDATA[CJ and Maleeah talk about the nine mistakes people make when preparing for retirement.]]></itunes:summary><itunes:duration>1678</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Providing Employer Savings Plan</title><link>https://www.spreaker.com/episode/providing-employer-savings-plan--55509562</link><description><![CDATA[Forrest Ross joins CJ and Shawn to talk about supply your employees with a retirement plan.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/55509562</guid><pubDate>Thu, 29 Jun 2023 14:03:10 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/55509562/klaas_6_29_23.mp3" length="27600771" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/8c228cc1-426f-4db5-8dbc-578edc30e533/8c228cc1-426f-4db5-8dbc-578edc30e533.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/8c228cc1-426f-4db5-8dbc-578edc30e533/8c228cc1-426f-4db5-8dbc-578edc30e533.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/8c228cc1-426f-4db5-8dbc-578edc30e533/8c228cc1-426f-4db5-8dbc-578edc30e533.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Forrest Ross joins CJ and Shawn to talk about supply your employees with a retirement plan.</itunes:subtitle><itunes:summary><![CDATA[Forrest Ross joins CJ and Shawn to talk about supply your employees with a retirement plan.]]></itunes:summary><itunes:duration>1726</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Finding Your Income in Retirement</title><link>https://www.spreaker.com/episode/finding-your-income-in-retirement--54814579</link><description><![CDATA[Maleeah, CJ, and Shawn talk about places your income could come from once you retire.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/54814579</guid><pubDate>Thu, 22 Jun 2023 14:02:48 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/54814579/klaas_6_22_23.mp3" length="28442540" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3dbe952-74fb-456d-8f43-24b453837d3b/c3dbe952-74fb-456d-8f43-24b453837d3b.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3dbe952-74fb-456d-8f43-24b453837d3b/c3dbe952-74fb-456d-8f43-24b453837d3b.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/c3dbe952-74fb-456d-8f43-24b453837d3b/c3dbe952-74fb-456d-8f43-24b453837d3b.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about places your income could come from once you retire.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about places your income could come from once you retire.]]></itunes:summary><itunes:duration>1778</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>RMDs and Charitable Donations</title><link>https://www.spreaker.com/episode/rmds-and-charitable-donations--54139422</link><description><![CDATA[Maleeah, CJ, and Shawn talk about RMDs and how they work with charitable donations.<br /><br /><br />]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/54139422</guid><pubDate>Thu, 08 Jun 2023 14:26:08 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/54139422/klaas_6_8_23.mp3" length="28820376" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/420e68b9-671a-4d29-a276-60e79840e4da/420e68b9-671a-4d29-a276-60e79840e4da.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/420e68b9-671a-4d29-a276-60e79840e4da/420e68b9-671a-4d29-a276-60e79840e4da.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/420e68b9-671a-4d29-a276-60e79840e4da/420e68b9-671a-4d29-a276-60e79840e4da.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about RMDs and how they work with charitable donations.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about RMDs and how they work with charitable donations.<br /><br /><br />]]></itunes:summary><itunes:duration>1802</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Medicare</title><link>https://www.spreaker.com/episode/medicare--54065771</link><description><![CDATA[This week CJ and Maleeah help everyone make sense of one of the most complicated subjects - Medicare.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/54065771</guid><pubDate>Thu, 01 Jun 2023 14:14:19 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/54065771/klaas_6_1_23.mp3" length="33341022" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9966f6b3-24ca-432d-b6a7-0f302746020a/9966f6b3-24ca-432d-b6a7-0f302746020a.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9966f6b3-24ca-432d-b6a7-0f302746020a/9966f6b3-24ca-432d-b6a7-0f302746020a.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/9966f6b3-24ca-432d-b6a7-0f302746020a/9966f6b3-24ca-432d-b6a7-0f302746020a.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>This week CJ and Maleeah help everyone make sense of one of the most complicated subjects - Medicare.</itunes:subtitle><itunes:summary><![CDATA[This week CJ and Maleeah help everyone make sense of one of the most complicated subjects - Medicare.]]></itunes:summary><itunes:duration>2084</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Estate Planning</title><link>https://www.spreaker.com/episode/estate-planning--53918238</link><description><![CDATA[Maleeah, CJ, and Shawn talk about the importance of estate planning, even if you don't have much in the way of assets.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53918238</guid><pubDate>Thu, 18 May 2023 13:47:55 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53918238/klaas_5_18_23.mp3" length="26244075" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7/fc48f3b8-aaf9-4bee-b903-c916e6ab17d7.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about the importance of estate planning, even if you don't have much in the way of assets.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about the importance of estate planning, even if you don't have much in the way of assets.]]></itunes:summary><itunes:duration>1641</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Social Security Benefits While Working</title><link>https://www.spreaker.com/episode/social-security-benefits-while-working--53822404</link><description><![CDATA[Maleeah, CJ, and Shawn talk about how your Social Security benefits might be affected if you are still working.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53822404</guid><pubDate>Thu, 11 May 2023 13:59:16 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53822404/klaas_5_11_23.mp3" length="30101838" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6a77401a-559c-4588-b47e-fe786de13343/6a77401a-559c-4588-b47e-fe786de13343.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6a77401a-559c-4588-b47e-fe786de13343/6a77401a-559c-4588-b47e-fe786de13343.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/6a77401a-559c-4588-b47e-fe786de13343/6a77401a-559c-4588-b47e-fe786de13343.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about how your Social Security benefits might be affected if you are still working.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about how your Social Security benefits might be affected if you are still working.]]></itunes:summary><itunes:duration>1882</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Inheritance</title><link>https://www.spreaker.com/episode/inheritance--53739975</link><description><![CDATA[Maleeah is still on vacation, so Eric joins CJ to talk about what you need to know when you recieve an iheritance.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53739975</guid><pubDate>Thu, 04 May 2023 13:52:25 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53739975/klaas_5_4_23.mp3" length="30432026" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d0fd9452-9b65-4af6-9056-f0a5c838fd7b/d0fd9452-9b65-4af6-9056-f0a5c838fd7b.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d0fd9452-9b65-4af6-9056-f0a5c838fd7b/d0fd9452-9b65-4af6-9056-f0a5c838fd7b.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/d0fd9452-9b65-4af6-9056-f0a5c838fd7b/d0fd9452-9b65-4af6-9056-f0a5c838fd7b.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah is still on vacation, so Eric joins CJ to talk about what you need to know when you recieve an iheritance.</itunes:subtitle><itunes:summary><![CDATA[Maleeah is still on vacation, so Eric joins CJ to talk about what you need to know when you recieve an iheritance.]]></itunes:summary><itunes:duration>1902</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Safe Withdrawal Rate</title><link>https://www.spreaker.com/episode/safe-withdrawal-rate--53665477</link><description><![CDATA[What is a safe withdrawal rate for retirement income?  Joining CJ today is Nate Breiby to talk about why the answer is "depends" and the trouble with rules of thumb.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53665477</guid><pubDate>Thu, 27 Apr 2023 14:01:15 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53665477/klaas_4_27_23.mp3" length="25923918" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/054d1458-1521-4069-99f7-5dbb3b4a3259/054d1458-1521-4069-99f7-5dbb3b4a3259.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/054d1458-1521-4069-99f7-5dbb3b4a3259/054d1458-1521-4069-99f7-5dbb3b4a3259.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/054d1458-1521-4069-99f7-5dbb3b4a3259/054d1458-1521-4069-99f7-5dbb3b4a3259.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>What is a safe withdrawal rate for retirement income?  Joining CJ today is Nate Breiby to talk about why the answer is "depends" and the trouble with rules of thumb.</itunes:subtitle><itunes:summary><![CDATA[What is a safe withdrawal rate for retirement income?  Joining CJ today is Nate Breiby to talk about why the answer is "depends" and the trouble with rules of thumb.]]></itunes:summary><itunes:duration>1621</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Pensions</title><link>https://www.spreaker.com/episode/pensions--53594121</link><description><![CDATA[If you're one of the lucky few to still have a pension, there's some things you need to know.  CJ and Maleeah have the rundown.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53594121</guid><pubDate>Thu, 20 Apr 2023 13:53:22 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53594121/klaas_4_20_23.mp3" length="28152895" type="audio/mpeg"/><podcast:transcript url="https://transcription.spreaker.com/sounder/40d66b84-de89-4545-89da-d6a6bfe13b8e/40d66b84-de89-4545-89da-d6a6bfe13b8e.srt" type="application/x-subrip" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/40d66b84-de89-4545-89da-d6a6bfe13b8e/40d66b84-de89-4545-89da-d6a6bfe13b8e.txt" type="text/plain" language="en"/><podcast:transcript url="https://transcription.spreaker.com/sounder/40d66b84-de89-4545-89da-d6a6bfe13b8e/40d66b84-de89-4545-89da-d6a6bfe13b8e.vtt" type="text/vtt" language="en"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>If you're one of the lucky few to still have a pension, there's some things you need to know.  CJ and Maleeah have the rundown.</itunes:subtitle><itunes:summary><![CDATA[If you're one of the lucky few to still have a pension, there's some things you need to know.  CJ and Maleeah have the rundown.]]></itunes:summary><itunes:duration>1760</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Roadmap for Retirement</title><link>https://www.spreaker.com/episode/roadmap-for-retirement--53525112</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what you need in your 50s when planning for retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53525112</guid><pubDate>Thu, 13 Apr 2023 13:53:17 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53525112/klaas_4_13_23.mp3" length="26317636" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what you need in your 50s when planning for retirement.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what you need in your 50s when planning for retirement.]]></itunes:summary><itunes:duration>1645</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The New Rules of RMD's</title><link>https://www.spreaker.com/episode/the-new-rules-of-rmd-s--53462033</link><guid isPermaLink="false">https://api.spreaker.com/episode/53462033</guid><pubDate>Thu, 06 Apr 2023 13:48:45 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53462033/4_6_23_klaas.mp3" length="31677962" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1980</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>SRIs and ESGs</title><link>https://www.spreaker.com/episode/sris-and-esgs--53391808</link><description><![CDATA[Josh Stirling and Maleeah Cuevas talk with Shawn about socially responsible investing.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53391808</guid><pubDate>Thu, 30 Mar 2023 14:38:58 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53391808/klaas_3_30_23.mp3" length="22906253" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Josh Stirling and Maleeah Cuevas talk with Shawn about socially responsible investing.</itunes:subtitle><itunes:summary><![CDATA[Josh Stirling and Maleeah Cuevas talk with Shawn about socially responsible investing.]]></itunes:summary><itunes:duration>1432</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Guaranteeing Your Money</title><link>https://www.spreaker.com/episode/guaranteeing-your-money--53310482</link><description><![CDATA[<br />In the wake of bank failures and another interest rate bump, CJ and Maleeah explain what you need to know about the FDIC, NCUA, and other guarantees on your money in the bank.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53310482</guid><pubDate>Thu, 23 Mar 2023 14:06:48 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53310482/klaas_3_23_23.mp3" length="28557479" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>In the wake of bank failures and another interest rate bump, CJ and Maleeah explain what you need to know about the FDIC, NCUA, and other guarantees on your money in the bank.</itunes:subtitle><itunes:summary><![CDATA[<br />In the wake of bank failures and another interest rate bump, CJ and Maleeah explain what you need to know about the FDIC, NCUA, and other guarantees on your money in the bank.]]></itunes:summary><itunes:duration>1785</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Former Retirement Accounts at Former Employers</title><link>https://www.spreaker.com/episode/former-retirement-accounts-at-former-employers--53224419</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what you can do when you have a employer-sponsored retirement account with a former employer.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53224419</guid><pubDate>Thu, 16 Mar 2023 14:00:15 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53224419/klaas_3_16_23.mp3" length="27121371" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what you can do when you have a employer-sponsored retirement account with a former employer.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what you can do when you have a employer-sponsored retirement account with a former employer.]]></itunes:summary><itunes:duration>1696</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Delaying Social Security</title><link>https://www.spreaker.com/episode/delaying-social-security--53147971</link><description><![CDATA[<br />CJ, Maleeah, and Shawn talk about the pros and cons of delaying taking that Social Security payment.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53147971</guid><pubDate>Thu, 09 Mar 2023 15:00:12 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53147971/klaas_3_9_23.mp3" length="26705920" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about the pros and cons of delaying taking that Social Security payment.</itunes:subtitle><itunes:summary><![CDATA[<br />CJ, Maleeah, and Shawn talk about the pros and cons of delaying taking that Social Security payment.]]></itunes:summary><itunes:duration>1670</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Employer Sponsored Retirement</title><link>https://www.spreaker.com/episode/employer-sponsored-retirement--53072720</link><description><![CDATA[Maleeah has the day off and joining us instead is Forrest Ross, who - along with CJ and Shawn - talks about adding to your employer sponsored retirement plan and setting up one of those plans for employees.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/53072720</guid><pubDate>Thu, 02 Mar 2023 15:13:25 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/53072720/klaas_3_2_23.mp3" length="27586142" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah has the day off and joining us instead is Forrest Ross, who - along with CJ and Shawn - talks about adding to your employer sponsored retirement plan and setting up one of those plans for employees.</itunes:subtitle><itunes:summary><![CDATA[Maleeah has the day off and joining us instead is Forrest Ross, who - along with CJ and Shawn - talks about adding to your employer sponsored retirement plan and setting up one of those plans for employees.]]></itunes:summary><itunes:duration>1725</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Taxing Gifts</title><link>https://www.spreaker.com/episode/taxing-gifts--52826353</link><description><![CDATA[CJ, Maleeah, and Shawn talk about giving monetary gifts - especially to family memebers - and when those gifts catch the attention of the IRS.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52826353</guid><pubDate>Thu, 23 Feb 2023 15:06:28 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52826353/klaas_2_23_23.mp3" length="28741799" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about giving monetary gifts - especially to family memebers - and when those gifts catch the attention of the IRS.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about giving monetary gifts - especially to family memebers - and when those gifts catch the attention of the IRS.]]></itunes:summary><itunes:duration>1797</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Debt In Retirement</title><link>https://www.spreaker.com/episode/debt-in-retirement--52755840</link><description><![CDATA[CJ and Maleeah talk about the importance of not having debt in retirement and how to get rid of it if you do.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52755840</guid><pubDate>Thu, 16 Feb 2023 15:34:41 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52755840/klaas_2_16_23.mp3" length="26560128" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ and Maleeah talk about the importance of not having debt in retirement and how to get rid of it if you do.</itunes:subtitle><itunes:summary><![CDATA[CJ and Maleeah talk about the importance of not having debt in retirement and how to get rid of it if you do.]]></itunes:summary><itunes:duration>1661</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Allocation Conversation</title><link>https://www.spreaker.com/episode/the-allocation-conversation--52682245</link><description><![CDATA[CJ, Maleeah, and Shawn talk about when you should be looking at changing your allocation strategy.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52682245</guid><pubDate>Thu, 09 Feb 2023 14:57:59 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52682245/klaas_2_9_23.mp3" length="26379912" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about when you should be looking at changing your allocation strategy.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about when you should be looking at changing your allocation strategy.]]></itunes:summary><itunes:duration>1649</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Funeral Planning</title><link>https://www.spreaker.com/episode/funeral-planning--52617033</link><description><![CDATA[CJ, Maleeah, and Shawn talk about the important of funeral planning - what you'd like done with your mortal remains, your assessts, and more.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52617033</guid><pubDate>Thu, 02 Feb 2023 16:36:07 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52617033/klaas_2_2_23.mp3" length="26277094" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about the important of funeral planning - what you'd like done with your mortal remains, your assessts, and more.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about the important of funeral planning - what you'd like done with your mortal remains, your assessts, and more.]]></itunes:summary><itunes:duration>1643</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Taxes 2022</title><link>https://www.spreaker.com/episode/taxes-2022--52551432</link><description><![CDATA[It's tax season again!  CJ, Maleeah, and Shawn talk about what you need to know for your taxes this year.  Remember: taxes run a year behind - 2022 taxes get done in 2023 and 2023 taxes won't get filed until 2024.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52551432</guid><pubDate>Thu, 26 Jan 2023 14:58:32 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52551432/klaas_1_26_23.mp3" length="26751360" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>It's tax season again!  CJ, Maleeah, and Shawn talk about what you need to know for your taxes this year.  Remember: taxes run a year behind - 2022 taxes get done in 2023 and 2023 taxes won't get filed until 2024.</itunes:subtitle><itunes:summary><![CDATA[It's tax season again!  CJ, Maleeah, and Shawn talk about what you need to know for your taxes this year.  Remember: taxes run a year behind - 2022 taxes get done in 2023 and 2023 taxes won't get filed until 2024.]]></itunes:summary><itunes:duration>1672</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Social In Social Security</title><link>https://www.spreaker.com/episode/the-social-in-social-security--52484603</link><description><![CDATA[Maleeah, CJ, and Shawn talk about planning for retirement income with Social Security and answer your questions about qualifying.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52484603</guid><pubDate>Thu, 19 Jan 2023 14:58:43 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52484603/klaas_1_19_23.mp3" length="30160771" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about planning for retirement income with Social Security and answer your questions about qualifying.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about planning for retirement income with Social Security and answer your questions about qualifying.]]></itunes:summary><itunes:duration>1886</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Down Into the Weeds</title><link>https://www.spreaker.com/episode/down-into-the-weeds--52422634</link><description><![CDATA[Maleeah, CJ, and Shawn talk about all the difference between traditional and Roth IRAs and 401Ks.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52422634</guid><pubDate>Thu, 12 Jan 2023 14:51:09 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52422634/klaas_1_12_23.mp3" length="31261056" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about all the difference between traditional and Roth IRAs and 401Ks.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about all the difference between traditional and Roth IRAs and 401Ks.]]></itunes:summary><itunes:duration>1954</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>The Secure Act</title><link>https://www.spreaker.com/episode/the-secure-act--52361515</link><description><![CDATA[CJ, Maleeah, and Shawn talk about the Secure Act 2.0, which passed Congress at the end of December.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52361515</guid><pubDate>Thu, 05 Jan 2023 14:58:57 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52361515/klaas_1_5_23.mp3" length="29312640" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about the Secure Act 2.0, which passed Congress at the end of December.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about the Secure Act 2.0, which passed Congress at the end of December.]]></itunes:summary><itunes:duration>1833</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Hitting Your Bullseye</title><link>https://www.spreaker.com/episode/hitting-your-bullseye--52306179</link><description><![CDATA[CJ and Eric join us to talk about hitting your target for your retirement plan and how paying off your debt can help you get there.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52306179</guid><pubDate>Thu, 29 Dec 2022 14:58:50 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52306179/klaas_12_29_22.mp3" length="25702400" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ and Eric join us to talk about hitting your target for your retirement plan and how paying off your debt can help you get there.</itunes:subtitle><itunes:summary><![CDATA[CJ and Eric join us to talk about hitting your target for your retirement plan and how paying off your debt can help you get there.]]></itunes:summary><itunes:duration>1607</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Financial Planning in 2023</title><link>https://www.spreaker.com/episode/financial-planning-in-2023--52194952</link><description><![CDATA[Even though we're just trying to get through the last weeks of 2022, Maleeah and CJ talk about why might want to focus on 2023.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52194952</guid><pubDate>Thu, 15 Dec 2022 14:51:32 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52194952/klaas_12_15_22.mp3" length="24350302" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Even though we're just trying to get through the last weeks of 2022, Maleeah and CJ talk about why might want to focus on 2023.</itunes:subtitle><itunes:summary><![CDATA[Even though we're just trying to get through the last weeks of 2022, Maleeah and CJ talk about why might want to focus on 2023.]]></itunes:summary><itunes:duration>1522</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Social Security</title><link>https://www.spreaker.com/episode/social-security--52130479</link><description><![CDATA[CJ, Maleeah, and Shawn talk about Social Security benefits, including when the best time to take them is.  (Spoiler alert: it depends.)]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52130479</guid><pubDate>Thu, 08 Dec 2022 14:48:36 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52130479/klaas_12_8_22.mp3" length="23312927" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about Social Security benefits, including when the best time to take them is.  (Spoiler alert: it depends.)</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about Social Security benefits, including when the best time to take them is.  (Spoiler alert: it depends.)]]></itunes:summary><itunes:duration>1458</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>CDs</title><link>https://www.spreaker.com/episode/cds--52067371</link><description><![CDATA[Maleeah and CJ talk all about Certificates of Deposit (CDs).]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/52067371</guid><pubDate>Thu, 01 Dec 2022 14:43:57 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/52067371/klaas_12_1_22.mp3" length="21625208" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk all about Certificates of Deposit (CDs).</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk all about Certificates of Deposit (CDs).]]></itunes:summary><itunes:duration>1352</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Reasonable Withdrawal Rate</title><link>https://www.spreaker.com/episode/reasonable-withdrawal-rate--51927399</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what your rate of withdrawal might be in retirement and why it's pretty vague.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51927399</guid><pubDate>Thu, 17 Nov 2022 15:03:24 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51927399/klaas_11_17_22.mp3" length="23549910" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what your rate of withdrawal might be in retirement and why it's pretty vague.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what your rate of withdrawal might be in retirement and why it's pretty vague.]]></itunes:summary><itunes:duration>1472</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Inheritance</title><link>https://www.spreaker.com/episode/inheritance--51851503</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what to do when you receive an inheritance.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51851503</guid><pubDate>Thu, 10 Nov 2022 15:09:50 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51851503/klaas_11_10_22.mp3" length="27232967" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what to do when you receive an inheritance.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what to do when you receive an inheritance.]]></itunes:summary><itunes:duration>1703</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Reasons to Move</title><link>https://www.spreaker.com/episode/reasons-to-move--51775023</link><description><![CDATA[CJ, Maleeah, and Shawn talk about what you should do with your home in retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51775023</guid><pubDate>Thu, 03 Nov 2022 13:46:29 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51775023/klaas_11_3_22.mp3" length="25327909" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talk about what you should do with your home in retirement.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talk about what you should do with your home in retirement.]]></itunes:summary><itunes:duration>1583</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Debt is a 4-Letter Word</title><link>https://www.spreaker.com/episode/debt-is-a-4-letter-word--51704463</link><guid isPermaLink="false">https://api.spreaker.com/episode/51704463</guid><pubDate>Thu, 27 Oct 2022 14:09:13 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51704463/10_27_22_klaas.mp3" length="26618149" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1664</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Will, Estates, and POAs</title><link>https://www.spreaker.com/episode/will-estates-and-poas--51634435</link><description><![CDATA[Maleeah and CJ talk about wills, trusts, estates, beneficiaries, power-of-attorneys, and more.  Plus, they answer listener questions about income annuities and Roth IRAs.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51634435</guid><pubDate>Thu, 20 Oct 2022 14:15:54 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51634435/klaas_10_20_22.mp3" length="26328576" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk about wills, trusts, estates, beneficiaries, power-of-attorneys, and more.  Plus, they answer listener questions about income annuities and Roth IRAs.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk about wills, trusts, estates, beneficiaries, power-of-attorneys, and more.  Plus, they answer listener questions about income annuities and Roth IRAs.]]></itunes:summary><itunes:duration>1646</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Spousal Benefits</title><link>https://www.spreaker.com/episode/spousal-benefits--51564407</link><description><![CDATA[When thinking about retirement, you might be getting something from your spouse or ex-spouse.  CJ, Maleeah, and Shawn talk about what you need to know.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51564407</guid><pubDate>Thu, 13 Oct 2022 13:49:49 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51564407/klaas_10_13_22.mp3" length="23844989" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>When thinking about retirement, you might be getting something from your spouse or ex-spouse.  CJ, Maleeah, and Shawn talk about what you need to know.</itunes:subtitle><itunes:summary><![CDATA[When thinking about retirement, you might be getting something from your spouse or ex-spouse.  CJ, Maleeah, and Shawn talk about what you need to know.]]></itunes:summary><itunes:duration>1491</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>What About The Business?</title><link>https://www.spreaker.com/episode/what-about-the-business--51489559</link><guid isPermaLink="false">https://api.spreaker.com/episode/51489559</guid><pubDate>Thu, 06 Oct 2022 15:32:07 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51489559/10_6_22_klaas.mp3" length="26374127" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1649</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Putting Things In Perspective</title><link>https://www.spreaker.com/episode/putting-things-in-perspective--51416844</link><description><![CDATA[Maleeah, CJ, and Shawn put inflation and market volitility into perspective for those going into, or who are in, retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51416844</guid><pubDate>Thu, 29 Sep 2022 13:48:36 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51416844/klaas_9_29_22.mp3" length="25932278" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn put inflation and market volitility into perspective for those going into, or who are in, retirement.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn put inflation and market volitility into perspective for those going into, or who are in, retirement.]]></itunes:summary><itunes:duration>1621</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Annuities</title><link>https://www.spreaker.com/episode/annuities--51344881</link><description><![CDATA[Maleeah, Eric, and Shawn talk about annuities.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51344881</guid><pubDate>Thu, 22 Sep 2022 13:52:38 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51344881/klaas_9_22_22.mp3" length="23423269" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, Eric, and Shawn talk about annuities.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, Eric, and Shawn talk about annuities.]]></itunes:summary><itunes:duration>1464</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Long Term Care</title><link>https://www.spreaker.com/episode/long-term-care--51269521</link><description><![CDATA[Maleeah, CJ, and Shawn talk about what long term care can cost you and what affect that can have on your retirement funds.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51269521</guid><pubDate>Thu, 15 Sep 2022 13:55:51 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51269521/klaas_9_15_22.mp3" length="29733616" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about what long term care can cost you and what affect that can have on your retirement funds.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about what long term care can cost you and what affect that can have on your retirement funds.]]></itunes:summary><itunes:duration>1859</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>IRAs</title><link>https://www.spreaker.com/episode/iras--51186256</link><description><![CDATA[Maleeah, CJ, and Shawn talk about Roth vs traditional IRA accounts.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51186256</guid><pubDate>Thu, 08 Sep 2022 13:55:34 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51186256/klaas_9_8_22.mp3" length="24284264" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about Roth vs traditional IRA accounts.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about Roth vs traditional IRA accounts.]]></itunes:summary><itunes:duration>1518</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Social Security and Earnings</title><link>https://www.spreaker.com/episode/social-security-and-earnings--51104904</link><description><![CDATA[Maleeah, CJ, and Shawn talk about how your earnings in retirement may affect your Social Security and how much tax you can expect to pay on Social Security.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51104904</guid><pubDate>Thu, 01 Sep 2022 13:52:41 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51104904/klaas_9_1_22.mp3" length="21979638" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about how your earnings in retirement may affect your Social Security and how much tax you can expect to pay on Social Security.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about how your earnings in retirement may affect your Social Security and how much tax you can expect to pay on Social Security.]]></itunes:summary><itunes:duration>1374</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Free</title><link>https://www.spreaker.com/episode/free--51027692</link><description><![CDATA[CJ, Maleeah, and Shawn talks about what you can do for your retirement that doesn't cost anything.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/51027692</guid><pubDate>Thu, 25 Aug 2022 14:05:34 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/51027692/klaas_8_25_22.mp3" length="19815863" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>CJ, Maleeah, and Shawn talks about what you can do for your retirement that doesn't cost anything.</itunes:subtitle><itunes:summary><![CDATA[CJ, Maleeah, and Shawn talks about what you can do for your retirement that doesn't cost anything.]]></itunes:summary><itunes:duration>1239</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>RMDs and Donations</title><link>https://www.spreaker.com/episode/rmds-and-donations--50950209</link><description><![CDATA[Maleeah, CJ, and Shawn discuss required minimum distributions and how they connect to charitable donations.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50950209</guid><pubDate>Thu, 18 Aug 2022 13:54:56 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50950209/klaas_8_18_22.mp3" length="29236663" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn discuss required minimum distributions and how they connect to charitable donations.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn discuss required minimum distributions and how they connect to charitable donations.]]></itunes:summary><itunes:duration>1828</itunes:duration><itunes:keywords>advice,charitable,charity,deferred,donations,finances,mrd,retirement,rmd,tax,taxes</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Tax Prep</title><link>https://www.spreaker.com/episode/tax-prep--50886361</link><description><![CDATA[Maleeah, Eric, and Shawn talk about preparing your taxes and why you might want to start now.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50886361</guid><pubDate>Thu, 11 Aug 2022 13:55:08 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50886361/klaas_8_11_22.mp3" length="23226410" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, Eric, and Shawn talk about preparing your taxes and why you might want to start now.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, Eric, and Shawn talk about preparing your taxes and why you might want to start now.]]></itunes:summary><itunes:duration>1452</itunes:duration><itunes:keywords>investment,investments,retirement,taxes</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Early Retirement</title><link>https://www.spreaker.com/episode/early-retirement--50813327</link><description><![CDATA[Maleeha, CJ, and Shawn talk about what to consider if you're considering an early (pre-65) retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50813327</guid><pubDate>Thu, 04 Aug 2022 13:56:00 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50813327/klaas_8_4_22.mp3" length="26638629" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeha, CJ, and Shawn talk about what to consider if you're considering an early (pre-65) retirement.</itunes:subtitle><itunes:summary><![CDATA[Maleeha, CJ, and Shawn talk about what to consider if you're considering an early (pre-65) retirement.]]></itunes:summary><itunes:duration>1665</itunes:duration><itunes:keywords>55,66,age,considerations,early,insurance,retirment</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Waiting Until 70</title><link>https://www.spreaker.com/episode/waiting-until-70--50737199</link><description><![CDATA[Maleeah, CJ, and Shawn talk about waiting until 70 to take Social Security.  They also take your questions on Social Security and Medicare.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50737199</guid><pubDate>Thu, 28 Jul 2022 13:46:53 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50737199/klaas_7_28_22.mp3" length="22773342" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about waiting until 70 to take Social Security.  They also take your questions on Social Security and Medicare.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about waiting until 70 to take Social Security.  They also take your questions on Social Security and Medicare.]]></itunes:summary><itunes:duration>1424</itunes:duration><itunes:keywords>finances,medicare,planning,retirement,savings,security,social,ss</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>MRDs</title><link>https://www.spreaker.com/episode/mrds--50571508</link><description><![CDATA[Maleeah, CJ, and Shawn talk about MRDs (minimum required distributions) and why 72 is such an important age.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50571508</guid><pubDate>Thu, 14 Jul 2022 14:14:16 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50571508/klaas_7_14_22.mp3" length="22756206" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about MRDs (minimum required distributions) and why 72 is such an important age.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about MRDs (minimum required distributions) and why 72 is such an important age.]]></itunes:summary><itunes:duration>1423</itunes:duration><itunes:keywords>72,distributions,finances,financial,mdr,minimum,required,retirement</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Fees</title><link>https://www.spreaker.com/episode/fees--50496965</link><description><![CDATA[Our friend Maleeah is out of town this week, so Eric and CJ get together with Shawn to talk about those pesky fees connected to retirement planning and the importance of what you're getting for those fees.  Also, they explain what roboadvisors are.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50496965</guid><pubDate>Thu, 07 Jul 2022 14:07:46 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50496965/klaas_7_7_22.mp3" length="23141982" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Our friend Maleeah is out of town this week, so Eric and CJ get together with Shawn to talk about those pesky fees connected to retirement planning and the importance of what you're getting for those fees.  Also, they explain what roboadvisors are.</itunes:subtitle><itunes:summary><![CDATA[Our friend Maleeah is out of town this week, so Eric and CJ get together with Shawn to talk about those pesky fees connected to retirement planning and the importance of what you're getting for those fees.  Also, they explain what roboadvisors are.]]></itunes:summary><itunes:duration>1447</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Debt and Financial Planning</title><link>https://www.spreaker.com/episode/debt-and-financial-planning--50417947</link><description><![CDATA[Maleeah, CJ, and Shawn talk about debt and how it affects your financial planning.  Plus, they answer a question on credit cards and explain why they're problematic.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50417947</guid><pubDate>Thu, 30 Jun 2022 13:43:36 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50417947/klaas_6_30_22.mp3" length="25834893" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about debt and how it affects your financial planning.  Plus, they answer a question on credit cards and explain why they're problematic.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about debt and how it affects your financial planning.  Plus, they answer a question on credit cards and explain why they're problematic.]]></itunes:summary><itunes:duration>1615</itunes:duration><itunes:keywords>credit,debt,financial,planning,retirement</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>What Not To Do</title><link>https://www.spreaker.com/episode/what-not-to-do--50307846</link><description><![CDATA[Maleeah, CJ, and Shawn talk about what NOT to do in regards to your retirement.  Plus, they take your questions on retirement taxes and the stock market.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50307846</guid><pubDate>Thu, 23 Jun 2022 13:55:59 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50307846/klaas_6_23_22.mp3" length="25353404" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about what NOT to do in regards to your retirement.  Plus, they take your questions on retirement taxes and the stock market.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about what NOT to do in regards to your retirement.  Plus, they take your questions on retirement taxes and the stock market.]]></itunes:summary><itunes:duration>1585</itunes:duration><itunes:keywords>bonds,decisions,management,retirement,risk,stocks,taxes</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Gifting Money</title><link>https://www.spreaker.com/episode/gifting-money--50224647</link><description><![CDATA[Maleeah and Shawn, joined today by Nate Breiby, talk gifting money to adult children.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50224647</guid><pubDate>Thu, 16 Jun 2022 13:53:34 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50224647/klaas_6_16_22.mp3" length="22747429" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and Shawn, joined today by Nate Breiby, talk gifting money to adult children.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and Shawn, joined today by Nate Breiby, talk gifting money to adult children.]]></itunes:summary><itunes:duration>1422</itunes:duration><itunes:keywords>deductions,education,finances,gifting,gifts,medical,money,presents,retirement,tax,taxes,vehicles</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Care</title><link>https://www.spreaker.com/episode/care--50141029</link><description><![CDATA[Maleeah, CJ, and Shawn talk about covering expenses when it comes to aging parents and what effect it might have on you retirement.  Also, what you need to do to keep your finances in order for your kids to take care of you.  Plus, CJ answers a listener question about the "rule of 55."]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50141029</guid><pubDate>Thu, 09 Jun 2022 14:21:30 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50141029/klaas_6_9_22.mp3" length="23715840" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about covering expenses when it comes to aging parents and what effect it might have on you retirement.  Also, what you need to do to keep your finances in order for your kids to take care of you.  Plus, CJ answers a...</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about covering expenses when it comes to aging parents and what effect it might have on you retirement.  Also, what you need to do to keep your finances in order for your kids to take care of you.  Plus, CJ answers a listener question about the "rule of 55."]]></itunes:summary><itunes:duration>1483</itunes:duration><itunes:keywords>55,aging,care,caretakers,early,elder,expenses,kids,medical,parents,retirement</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Inheritance</title><link>https://www.spreaker.com/episode/inheritance--50039073</link><description><![CDATA[Maleeah and CJ talk about what to do when you inherit money, property, accounts, and the like.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/50039073</guid><pubDate>Thu, 02 Jun 2022 14:26:56 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/50039073/klaas_6_2_22.mp3" length="22339082" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk about what to do when you inherit money, property, accounts, and the like.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk about what to do when you inherit money, property, accounts, and the like.]]></itunes:summary><itunes:duration>1397</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Roths</title><link>https://www.spreaker.com/episode/roths--49954185</link><description><![CDATA[Maleeah and CJ join Shawn to talk about Roths, Roth IRAs, Roth conversions, and back door contributions.  They also answer your questions about index funds.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49954185</guid><pubDate>Thu, 26 May 2022 14:19:49 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49954185/klaas_5_26_22.mp3" length="24956761" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ join Shawn to talk about Roths, Roth IRAs, Roth conversions, and back door contributions.  They also answer your questions about index funds.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ join Shawn to talk about Roths, Roth IRAs, Roth conversions, and back door contributions.  They also answer your questions about index funds.]]></itunes:summary><itunes:duration>1560</itunes:duration><itunes:keywords>contributions,funds,index,ira,market,retirement,roth,stock</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Social Security and Taxes</title><link>https://www.spreaker.com/episode/social-security-and-taxes--49861377</link><guid isPermaLink="false">https://api.spreaker.com/episode/49861377</guid><pubDate>Thu, 19 May 2022 14:15:14 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49861377/5_19_22_klaas.mp3" length="24992705" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:duration>1563</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Going Up</title><link>https://www.spreaker.com/episode/going-up--49773043</link><description><![CDATA["Despite the high cost of living, it continues to be very popular."<br /><br />Maleeha, CJ, and Shawn talk about current employment numbers, inflation, the market, and your retirement.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49773043</guid><pubDate>Thu, 12 May 2022 13:59:28 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49773043/klaas_5_12_22.mp3" length="24619468" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>"Despite the high cost of living, it continues to be very popular."&#13;
&#13;
Maleeha, CJ, and Shawn talk about current employment numbers, inflation, the market, and your retirement.</itunes:subtitle><itunes:summary><![CDATA["Despite the high cost of living, it continues to be very popular."<br /><br />Maleeha, CJ, and Shawn talk about current employment numbers, inflation, the market, and your retirement.]]></itunes:summary><itunes:duration>1539</itunes:duration><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Expenses and Income in Retirement</title><link>https://www.spreaker.com/episode/expenses-and-income-in-retirement--49676164</link><description><![CDATA[Maleeah and CJ talk about everything that goes into deciding what the best rate to withdrawal retirement funds is - real cash flow, what a safe withdrawal rate is, other incomes in retirement, debt, what you want to leave your heirs, and...of course...taxes.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49676164</guid><pubDate>Thu, 05 May 2022 13:53:28 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49676164/klaas_5_5_22.mp3" length="24375380" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and CJ talk about everything that goes into deciding what the best rate to withdrawal retirement funds is - real cash flow, what a safe withdrawal rate is, other incomes in retirement, debt, what you want to leave your heirs, and...of...</itunes:subtitle><itunes:summary><![CDATA[Maleeah and CJ talk about everything that goes into deciding what the best rate to withdrawal retirement funds is - real cash flow, what a safe withdrawal rate is, other incomes in retirement, debt, what you want to leave your heirs, and...of course...taxes.]]></itunes:summary><itunes:duration>1524</itunes:duration><itunes:keywords>cash,expenses,flow,funds,income,real,retirement,taxes,withdrawal</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Medicare</title><link>https://www.spreaker.com/episode/medicare--49583142</link><description><![CDATA[Maleeah and Eric talk all thing Medicare.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49583142</guid><pubDate>Thu, 28 Apr 2022 13:57:11 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49583142/klaas_4_28_22.mp3" length="25052473" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah and Eric talk all thing Medicare.</itunes:subtitle><itunes:summary><![CDATA[Maleeah and Eric talk all thing Medicare.]]></itunes:summary><itunes:duration>1566</itunes:duration><itunes:keywords>financial,klass,medicaid,medicare,retirement,security,social</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>When to Take Social Security</title><link>https://www.spreaker.com/episode/when-to-take-social-security--49504232</link><description><![CDATA[Maleeah, CJ, and Shawn talk about the best time to start taking Social Security.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49504232</guid><pubDate>Thu, 21 Apr 2022 13:57:02 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49504232/klaas_4_21_22.mp3" length="25401051" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about the best time to start taking Social Security.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about the best time to start taking Social Security.]]></itunes:summary><itunes:duration>1588</itunes:duration><itunes:keywords>age,fra,klaas,retirement,security,social</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>It's Simple</title><link>https://www.spreaker.com/episode/it-s-simple--49435192</link><description><![CDATA[Maleeah, CJ, and Shawn talk about simplifying your investing by consolidating and diversifying.  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Plus, we take your questions on I bonds and thrift savings plans.]]></itunes:summary><itunes:duration>1493</itunes:duration><itunes:keywords>consolidation,diversification,investing,klaas,retirement,saving</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Socially Responsible Investing</title><link>https://www.spreaker.com/episode/socially-responsible-investing--49354074</link><description><![CDATA[Maleeah, CJ, and Shawn talk all things socially responsible investing.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49354074</guid><pubDate>Thu, 07 Apr 2022 14:19:20 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49354074/money_in_motion_4_7_22.mp3" length="20943935" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk all things socially responsible investing.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk all things socially responsible investing.]]></itunes:summary><itunes:duration>1309</itunes:duration><itunes:keywords>investing,market,responsible,retirement,socially,srb,stock</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Pensions</title><link>https://www.spreaker.com/episode/pensions--49266919</link><description><![CDATA[Meleeah, Eric, and Shawn talk all thing pensions.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49266919</guid><pubDate>Thu, 31 Mar 2022 14:12:51 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49266919/money_in_motion_3_31_22.mp3" length="23564539" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Meleeah, Eric, and Shawn talk all thing pensions.</itunes:subtitle><itunes:summary><![CDATA[Meleeah, Eric, and Shawn talk all thing pensions.]]></itunes:summary><itunes:duration>1473</itunes:duration><itunes:keywords>klass,management,money,options,pensions,retirement,savings</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>Debt &amp; Retirement</title><link>https://www.spreaker.com/episode/debt-retirement--49185202</link><description><![CDATA[Maleeah, CJ, and Shawn talk about the risks and realities of debt in retirement and what you can do about it.]]></description><guid isPermaLink="false">https://api.spreaker.com/episode/49185202</guid><pubDate>Thu, 24 Mar 2022 14:21:40 +0000</pubDate><enclosure url="https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/49185202/money_in_motion_3_24_22.mp3" length="22716500" type="audio/mpeg"/><itunes:author>1310 WIBA (WIBA-AM)</itunes:author><itunes:subtitle>Maleeah, CJ, and Shawn talk about the risks and realities of debt in retirement and what you can do about it.</itunes:subtitle><itunes:summary><![CDATA[Maleeah, CJ, and Shawn talk about the risks and realities of debt in retirement and what you can do about it.]]></itunes:summary><itunes:duration>1420</itunes:duration><itunes:keywords>debt,financial,klaas,retirement,risk</itunes:keywords><itunes:explicit>false</itunes:explicit><itunes:image href="https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/d50f9a9cdf7f66188cef4319fee78f86.jpg"/><itunes:episodeType>full</itunes:episodeType></item><item><title>How to Retire If You Live to 100</title><link>https://www.spreaker.com/episode/how-to-retire-if-you-live-to-100--49016816</link><description><![CDATA[People are living longer.  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