Josh Scandlen has 3 audiobooks on Listento.it, narrated by 2 narrators. The most-rated is The Tax Bomb in Your Retirement Accounts.
Strategic Money Planning
Summary
Brenda, Kevin, and the kids were stuck.... Brenda had taken a 20 percent pay cut and was told by her boss she should feel "lucky to still have a job". But they were already living paycheck to paycheck. How were they going to get by with 20 percent less income? Move. Brenda was offered a great job six states away. They'd have to sell the house, though. But they didn't have much equity. The few offers they received were lower than what they owed. Can't sell a house if you can't pay off your loan. And then Brenda was in a wreck. She didn't die, but she was hurt...badly. Kevin was not prepared. Things were falling apart. If only someone, somewhere, would have shown them a better way.... Could this happen to you? Maybe not. But why take the chance? Do you always seem to have more money going out then coming in? Debt never seems to go down? Costs a lot of money to raise the kids, doesn't it? And you’re supposed to save for retirement! Never mind having this thing called an “emergency fund”. How do you do all this and pay the bills? What happens if you lose your job or get hurt, or your pay doesn’t keep up with your spending? It’s nerve wracking. I know it. I’ve been there, too. And while there are no magical solutions, there are some strategies overlooked by most Americans, and their financial advisors, I share with you.
©2018 Josh Scandlen (P)2019 Josh Scandlen
You Can Retire on Social Security
Summary
Will you receive Social Security benefits at retirement? Most Americans will receive some sort of Social Security benefit when they retire. In fact, for most Americans, Social Security will provide the bulk of their retirement income. Yet, the vast majority have no clue how their benefit is calculated. Many will completely discount their benefits as a pittance. They'll fall for the doom and gloom that says they need millions to retire. That health care costs will destroy their retirement. That Social Security is going bankrupt. All these negative things permeate the financial industry and the media. As such, many working people are scared to death of retirement. And they stay at crappy, old jobs for much longer than they would have liked...because they're afraid of running out of money! Don't be like this! With a thorough understanding of how Social Security works, you will be well-armed to deal with the naysayers who continue to peddle the horror stories that await you if you quit your job to enjoy your life. In this audiobook, I explain it all. And hopefully, you will finish listening, take a deep breath, relax a bit, and say, "You know something? It's about time I enjoyed life on my terms!"
©2019 Josh Gray Scandlen (P)2019 Josh Gray Scandlen
The Tax Bomb in Your Retirement Accounts
Summary
John and Judy are in the 12-percent tax bracket. But when they took $10,000 from their IRA, they had a 50 percent tax increase. Why? When John died, Judy’s income went down by 33 percent, but her taxes went up! Why? Isn’t interest on municipal bonds tax free? Then why did it cause John and Judy’s taxes to increase? When Judy took out $20,000 to take her daughter on a cruise, it cost her $9,908 in taxes. Yet when Jane did the same, it cost her nothing. And they both have $80,000 in total income. Why? When Bob took out $10,000 from his IRA, his taxes tripled. Why? Why did Bob’s Medicare premiums nearly double when he took out an extra $10,000 from his IRA? When Jenny, a divorced gas station attendant making $35,000 a year, inherited an IRA from her mom, she lost 25 percent in federal taxes. Why? In this audiobook, we’re not only going to answer these questions, but we’re also going to show you what you should be doing now to avoid the stealth tax increases retirees face but are ignorant of...until it's too late.
©2018 Josh Scandlen (P)2018 Josh Scandlen