Shows
Retirement Solutions for All AgesNew Career Starts: Un-Retiring, Big Job Moves & Gen Z/Millennial Tips w/ Mike Dwyer of EmplanaReady to rethink work, no matter your age or next chapter? In this episode we sit down with career advisor Mike Dwyer — founder of Emplana Career — to unpack how retirees are going back to work, job changers are shifting paths, and younger generations are entering — or re-entering — the workforce in smart ways.🎙 What we cover:How to “un-retire” with purpose: turning your experience into new opportunities.Navigating major job changes: mindset, strategy & the real steps behind the pivot.What Gen Z & Millennials need to know: durable skills, networking, how to get a foot in the door.Mike’s 5-day/5-hours reboot pla...
2025-10-3130 minRetirement Solutions for All AgesMedicare Masterclass: Everything You Need to Know (2025 Edition)Unlock the essential guide to Medicare in this "Special Edition Interview" comprehensive podcast episode! Whether you’re turning 65, helping a loved one enroll, or simply want to understand the changes coming in 2025, we’ve got you covered.In this episode, you'll learn:A breakdown of Medicare Parts A, B, C & DEnrollment timelines and deadlinesCommon mistakes, hidden costs, and how to avoid themHow the 2025 updates affect you and what to considerPractical tips to make confident healthcare decisionsThank you, Laura Woolverton, for being on this episode: l.woolverton@whycornerstone.com#Medicare #Healthcare #RetirementPlanning #Medicare2025 #SeniorHealth #MedicareEnrollment #AgingWell #HealthcareTips #MedicareExplained #InsuranceAdvice #ruthatnexa #4fllo...
2025-10-2624 minRetirement Solutions for All AgesDownsize, Up-size, or Right-Size with a Reverse Mortgage - Episode 15 - Retirement Solutions for All AgesAre you 62 or older and ready for a new home. Ruth, The Retirement Mortgage Expert, introduces the powerful Reverse Mortgage for Purchase (HECM for Purchase). This program allows you to buy a new primary residence with no required monthly principal and interest payments.Learn how the HECM for Purchase can be a game-changer for:Downsizing with Confidence: Free up significantly more cash compared to an all-cash purchase.Upsizing Your Lifestyle: Increase your purchasing power to get your dream home without draining savings.Rightsizing: Move to a home that perfectly suits your...
2025-10-1009 minRetirement Solutions for All AgesGrandma's on the Roof: Navigating Life's Unpredictable Storms - Podcast Episode 14 - Retirement Solutions for All AgesLife throws curveballs—from a global pandemic and devastating hurricanes like Hurricane Ian to surprise vet bills and financial scams. Join Ruth, The Retirement Mortgage Expert, as she dives into the compelling and emotional stories from her book, "Grandma's on the Roof."Hear how three retired women—Katherine, Pat, and Betty—face unscripted crises and learn that strategic use of home equity via a reverse mortgage can be a powerful retirement solution. Discover how this financial tool moves beyond "last resort" to a lifeline, enabling dreams (like a trip to Italy) and providing crucial financial liquidity for emerge...
2025-10-0311 minRetirement Solutions for All AgesHome Equity as a Tool or a Lifeline - Episode #12: Retirement Solutions for All AgesIn this powerful episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, shares stories that reveal the dual nature of home equity. Drawing on her grandfather's immigrant story and personal client experiences, Ruth explores how a reverse mortgage can serve as both a crucial lifeline for those facing financial hardship, and a strategic tool for others. She tells the poignant story of a couple using their home equity to protect their son from his addiction, contrasting it with a businesswoman leveraging her assets for intergenerational wealth transfer. Ruth emphasizes that regardless of the reason, using...
2025-09-2808 minRetirement Solutions for All AgesRetirement Isn't a Finish Line: Why Your Plan Needs to Evolve - Episode #11In this deeply personal and insightful episode of "Retirement Solutions for All Ages," host Ruth challenges the notion that retirement planning ends when you retire. For those already in their golden years, Ruth reveals the new realities of an evolving retirement, from increased longevity and "gray divorce" to the rising costs of in-home care. She shares her own regrets about not traveling more for comfort and stresses the importance of shifting from an accumulation mindset to a spending mindset to truly enjoy your life. Ruth offers a compelling solution: leveraging your home equity with a tool like a reverse...
2025-09-1911 minRetirement Solutions for All AgesThe Emotional Marathon: Selling Your Parents' Home with Grace Episode 10 Retirement Solutions for All AgesIn this compassionate and final episode, host Ruth, the Retirement Mortgage Expert, guides listeners through the emotional and financial journey of selling a parent’s home. Drawing from a powerful MarketWatch article, Ruth explores why this process is more than a transaction—it's an "emotional marathon." She offers practical advice on giving yourself time to grieve and sort through a "museum of a lifetime." Learn how to navigate the logistical hurdles, from creating a plan for belongings to preparing the property for sale by separating emotional value from market value. This episode is a must-listen for anyone facing this chal...
2025-09-1210 minRetirement Solutions for All AgesAre You and Your Siblings Arguing Over What to Do with Mom? Episode 9Episode 9: Are You and Your Siblings Arguing Over What to Do with Mom?In this episode of "Retirement Solutions for All Ages," host Ruth tackles a painful family dilemma: the post-loss conflict among siblings over a parent’s care. Ruth shares how a reverse mortgage can be a strategic tool to bring peace to this emotional situation. She explains how this financial solution allows an aging parent to age in place by using their home equity to pay for in-home care, preserving their independence and cherished memories. Discover how a reverse mortgage can alleviate the financial and emotional burden on...
2025-09-0515 minRetirement Solutions for All AgesAre You and Your Spouse Arguing Over a Parent Coming to Live with You? Podcast Episode 8In this emotionally resonant episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, confronts a common family dilemma: the stress and conflict that arise when a parent needs to move in. Ruth explores how a strategic financial tool—the reverse mortgage—can provide a powerful alternative. She explains how this solution allows a parent to tap into their home's equity to pay for in-home care, essential repairs, or medical needs, helping them age in place and maintain their independence. Discover how a reverse mortgage can not only ease the financial burden on adult children but also...
2025-08-2911 minRetirement Solutions for All AgesBRRRR: Beyond the 401(k) for the Healthcare Hero - Podcast Episode 7 - Retirement Solutions for All AgesIn this episode of "Retirement Solutions for All Ages," we dive into the powerful BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) with the story of a dedicated healthcare hero in rural North Carolina. Host Ruth, the Retirement Mortgage Expert, reveals how this client used a HELOC (Home Equity Line of Credit) from his primary residence to kickstart a real estate investment journey. You'll learn how he identified a niche market for traveling nurses, used a DSCR loan to bypass job income requirements, and leveraged the BRRRR strategy to build a rental property portfolio without relying on a traditional 401(k...
2025-08-2209 minRetirement Solutions for All AgesAre Millennials Ditching Gen X Retirement Strategies? Episode 6 Retirement Solutions for All AgesRetirement planning isn't one-size-fits-all. In this eye-opening episode of Retirement Solutions for All Ages, host Ruth, The Retirement Mortgage Expert, explores the surprising ways millennials are forging their own path to financial independence, completely different from Gen X.Based on an article by Kiplinger's Donna Fuscaldo, discover why millennials are starting to save earlier, embracing a higher-risk investment approach, and using tech and professional advice to their advantage. We'll also examine Gen X's more cautious, independent mindset and the defining moments that shaped their financial habits.Will the millennial strategy pay off? Or will Gen X's traditional methods win...
2025-08-2111 minRetirement Solutions for All AgesThe Ultimate Head Start: Buying a Home at 18-Year-Old - Episode # 5 Retirement Solutions for All AgesWhat if the best retirement plan started the day a child was born?In this episode of "Retirement Solutions for All Ages," host Ruth, the Retirement Mortgage Expert, reveals how parents and grandparents can give the ultimate gift: financial freedom. We explore a game-changing strategy that goes beyond college funds to set up a child for lifelong success.You'll discover:The incredible power of starting a retirement fund for a child from birth and the magic of compounding interest.How a teenager with a part-time job can qualify to buy a home at 18 years old.The innovative strategy of...
2025-08-1808 minRetirement Solutions for All AgesYour First House: The Ultimate Retirement - Podcast Episode #4 Retirement Solutions for All AgesFirst-Time Home Buyer? Your Home is The Ultimate Retirement Asset! (Podcast Episode)Are you a renter wondering how you'll ever save enough for retirement? It's time to stop letting your money go to a landlord and start building real wealth!In this episode of "Retirement Solutions for All Ages," host and Retirement Mortgage Expert Ruth reveals the powerful secret to using real estate to secure your financial future. We’ll dive into why homeowners have a net worth 40x higher than renters, the magic of using other people’s money (hello, mortgage!), and the staggering power of compound growth on y...
2025-08-1609 minRetirement Solutions for All AgesEpisode 3: Is Your Mortgage Mindset Outdated? The 30-Year Myth Debunked! Retirement Solutions for All AgesAre you holding onto an outdated mortgage mindset? In this eye-opening episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, challenges the ingrained "American Dream" of paying off your home early. Discover the historical roots of this belief, stemming from the Great Depression, and learn why modern financial realities make the 30-year mortgage myth largely irrelevant today.Ruth debunks common reasons for rushing to pay off your mortgage and reveals how financially savvy individuals are instead making their mortgage work for them. Explore strategies used by the affluent to leverage home equity, increase...
2025-07-2513 minRetirement Solutions for All AgesRetirement Solutions for All Ages Episode 2: What is Financial Literacy? It's More Than Just Math!Go beyond budgeting! In this insightful episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, uncovers the true meaning of financial literacy. It's not just about numbers; it's about mindset, upbringing, and psychology. Discover how deeply ingrained beliefs about money, often passed down through generations, shape your financial decisions – especially when it comes to home equity and mortgages.Ruth shares personal stories and reveals the "Tale of Two Brothers," illustrating how modern financial strategies, embraced by the affluent, can lead to significantly greater wealth and security compared to outdated "pay it off fast" me...
2025-07-1813 minRetirement Solutions for All AgesRetirement Solutions for All Ages Episode 1: Your First Paycheck & The Magic of Forever Money!Unlock the secret to a brighter financial future! In this essential episode of "Retirement Solutions for All Ages," host Ruth, The Retirement Mortgage Expert, reveals how your first paycheck can become your ticket to financial independence. Discover the incredible power of compounding interest, often called the "eighth wonder of the world," and learn why starting early with your 401k and employer match is the smartest move you can make. Whether you're just starting your career or want to guide a young person in your life, this episode is packed with actionable advice to avoid common pitfalls and harness the "...
2025-07-1114 minRetirement Solutions for All AgesAre Millennials Ditching Gen X Retirement Strategies? Will It Pay Off?Millennials vs. Gen X: A New Blueprint for Retirement?Are millennials really ditching the traditional retirement playbook? Inspired by a thought-provoking Kiplinger article by Donna Fuscaldo, this episode explores the new rules of saving for the future. We'll break down how millennials are consciously moving away from Gen X's 401(k)-centric strategies, embracing everything from side hustles to tech-driven investing. While both generations share the same core fear of outliving their savings, their methods couldn't be more different. Join us as we examine the generational divide in retirement planning and ask the big question...
2025-07-0712 minRetirement Solutions for All AgesAre you and your siblings arguing over what to do with Mom?The Sibling Showdown: What to Do When You Can't Agree on Mom's CareYou love your siblings, but when it comes to Mom's care, it feels like you're on different planets. If you're caught in a cycle of arguments over medical decisions, living arrangements, or finances, you're not alone. Join us as we unpack the emotional weight of these conflicts and share expert advice and personal stories to help you navigate this challenging chapter with your family.
2025-06-3014 minRetirement Solutions for All AgesTop 1% or 5% But Can't Get a Mortgage?! Retirement Solutions for All AgesRetirement Solutions for All Ages Podcast. You had a HUGE year after the pandemic, and now you want to buy your dream home. This is for YOU! I’ll reveal why traditional mortgages can be tricky for commission earners and how to get approved. #Ruth4Loans #RuthatNEXA #4NCLoans #4FLLoans #RealEstateLife #MortgageHacks #DecliningIncome #HomeLoan#ruthatnexa #4flloans #4ncloans #mortgage #homebuyer #reversemortgage #jokeoftheday #grandmasontheroof #RetirementSolutionsforAllAges
2025-06-2408 min
Blue SpaceFeminine Leadership Philosophy Episode #Reproduction #AI #WritersVSChatgpt Part 3Feminine Leadership Philosophy - LILLIT2POD: #Reproduction (gone wrong) part3 from Blue Space. A chat with award-winning author Ruth Johaningsmeir from Marco Island, Florida (USA). She is an award-winning speaker and author mostly under the name Ruth J Princess and a frequent writer for Kindle. She shares how her real-life thrillers turned into authentic stories.
Blue Space Videocast: //youtube.com/@bluespacevideocast
2024-05-1128 min
2024-02-2837 min
Good Neighbor PodcastEP #908: NEXA Mortgage with Ruth JohaningsmeirText the show!What Makes NEXA Mortgage a Good Neighbor...Ruth Johaningsmeir is a Mortgage Specialist for NEXA Mortgage. She focuses on liquidity loans, using your home as a financial tool.With over 200 lenders competing for your business, Ruth can make your dreams come true by providing you money. Some of the many loan products she can help you with include:· Primary Residence· Second Homes· Investment Properties· Reverse Mortgage· Short term rental and DSCR· Bank Statement· Self Employed· VA & Emergency Responders· FHA & Down Payment Assistance· R...
2023-04-1111 min