Retirement Quick Tips with Ashley

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host, Ashley Micciche. This week on the podcast, I’m taking a little break to enjoy the sunshine and near-perfect weather this time of year in Oregon. So while I’m taking the week off, I have a few resources to share with you to help you retire with confidence. I’ll share with you my net worth worksheet, asset allocation guide, retirement budget worksheet, financial inventory list, and my top 10 must do pre-retirement checklist. These are my favorite resources, and they’re also free, so I’ll show you how to access them in each episode this week.

It’s Sunday and I’m wrapping up the week by summarizing this week’s theme: The Smart Shopper's Guide to Grocery Savings, an interview I had with my good friend, Karrie. If you’re enjoying the podcast, Subscribe & follow so you never miss an episode Leave a review—your feedback helps me improve the podcast and helps new listeners find the show Share the podcast with a friend or family member who’s getting close to retirement.

This week on the Retirement Quick Tips Podcast, I’m interviewing my good friend and mom of 9, Karrie on her tips and tricks for saving money on groceries. Here is today’s interview segment with Karrie…

This week on the Retirement Quick Tips Podcast, I’m interviewing my good friend and mom of 9, Karrie on her tips and tricks for saving money on groceries. Here is today’s interview segment with Karrie…

This week on the Retirement Quick Tips Podcast, I’m interviewing my good friend and mom of 9, Karrie on her tips and tricks for saving money on groceries. Here is today’s interview segment with Karrie…

This week on the Retirement Quick Tips Podcast, I’m interviewing my good friend and mom of 9, Karrie on her tips and tricks for saving money on groceries. Here is today’s interview segment with Karrie…

This week on the Retirement Quick Tips Podcast, I’m interviewing my good friend and mom of 9, Karrie on her tips and tricks for saving money on groceries. Here is today’s interview segment with Karrie…

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host, Ashley Micciche. I’m a financial advisor and co-owner of True North Retirement Advisors, a fee-only fiduciary financial advisory practice managing over $425M in assets. For 17 years, I’ve helped clients retire with confidence, and my goal on this podcast is to simplify the complexities of retirement planning so you can focus on what truly matters—enjoying your retirement years while maintaining financial security. One of the biggest spending categories for most Americans is food. Even wealthier Americans will still spend a lot of money on food - eating out more, buying higher quality foods, entertaining, and shopping at places like Whole Paycheck (er, whole foods). Retirees spend about $7500 a year on groceries and eating out on average, and because food costs matter in your budget, I wanted to focus on that in this week’s episodes. And I can think of no better person to discuss this topic with than my good friend, Karrie. I first met Karrie about 5 years ago, shortly after her family moved to my town and started attending the same church we go to. OVer that time, we’ve become good friends. She also babysits my little ones a couple days a week, and we share a lot of the same views on things and have a similar sense of humor. At the moment, I’m working on arranging a marriage between their youngest and my 4 year-old, Theodore. I’ve offered their daughter a paid-for wedding, if only she agrees to marry my little man. As the chief grocery shopper for her family of 11 - her and her husband have 9 kids, ages 20 to 4 - Karrie has learned a lot about saving money on food over the years.

It’s Sunday and I’m wrapping up the week by summarizing this week’s theme: How To Get Over Your Guilt About Spending Money in Retirement In case you missed any episodes this week, here’s the recap…

This week on the Retirement Quick Tips Podcast, I’m sharing with you my thoughts and ideas about how to get over your guilt about spending money in retirement. Today, I’m talking about how getting over your guilt often requires an attitude adjustment.

This week on the Retirement Quick Tips Podcast, I’m sharing with you my thoughts and ideas about how to get over your guilt about spending money in retirement. Today, I’m talking about how you can prove to yourself that it’s ok to take withdrawals from your investments in retirement, to help combat your guilt.

This week on the Retirement Quick Tips Podcast, I’m sharing with you my thoughts and ideas about how to get over your guilt about spending money in retirement. Today, I’m talking about putting your investment withdrawals on auto-pilot to help combat your guilt.

This week on the Retirement Quick Tips Podcast, I’m sharing with you my thoughts and ideas about how to get over your guilt about spending money in retirement. Today, I’m going to share with you the simplest strategy of getting over your guilt: as the rolling stones would say: Time is on your side, yes it is!

This week on the Retirement Quick Tips Podcast, I’m sharing with you my thoughts and ideas about how to get over your guilt about spending money in retirement. Today, let’s talk about how to NOT enjoy your retirement years!

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host, Ashley Micciche. This week, I’ll share with you how you can get over your guilt about spending money in retirement.

Welcome to a new week here on the Retirement Quick Tips podcast! I’m your host, Ashley Micciche. On the podcast this week, I’m going to do something quite different. My father-in-law, Doug Micciche, passed away on May 22nd, after a very brief battle with cancer. I first met Doug when I was 16 years old, and for the last 24 years that I’ve known him, he’s been a confidant and someone I love and miss deeply. Doug was also a financial advisor in our advisory practice, and over the years, I learned from him - not just personally, but professionally as well. So I wanted to take this opportunity to share a few things about Doug - the kind of man he was, the way he inspired me, and the things he taught me. To do that, I think we’ll start at the beginning. I don’t remember the first time I met Doug, but my husband and I started dating in high school, so I’m sure 16 year old me walked into his house acting like I owned the place. Because my husband and I were high school sweethearts, I spent a lot of time at his parent’s house, countless hours in the family room watching TV and movies with Doug. He and I both shared a mutual love for bad 90s action movies. By the time my husband moved out of his parent’s home, I had already spent more quality time with Doug than most daughter-in-laws get to spend with their father-in-law in a lifetime, and for that I am grateful. One of my favorite pastimes was needling Doug, which was a tradition that continued until the end. Back in the early days, I would plop down on their couch so aggressively, I might as well have been working on my high jump, using the couch to break my fall. I would immediately look over at Doug with a sly smile, waiting for the inevitable sigh or eye roll. Eventually, after thousands of forceful couch plops, the spring broke in the exact spot where I would always sit…I still maintain I had nothing to do with that janky couch spring. Their house had hardwood flooring on the stairs, and like a 7 year old boy, I would fly down the stairs. The pounding reverberation on the stairs irritated him to no end, so whenever I would run down the stairs he would always yell: “stampede!!” I took that as an invitation to pound my heels as loud as possible whenever I came down the stairs, just to see if I could get a stampede yell out of him. Doug was a great listener, and I often went to him when I had a problem or needed some advice. He was always honest and a no-BS guy. He was great at telling me what I needed to hear, even if it wasn’t what I wanted to hear. I could trust his advice, knowing that he always had my best intentions at heart. There was no duplicity in Doug, and I very much appreciated that about him. Doug was one of the most selfless people I know. Anything you asked him to do, he would do it, and whether he wanted to do it or not, you really had no idea, because he cheerfully devoted himself to other people and their needs. He would give me rides to and from the airport - often picking me up in the pre-dawn hours for the early flights I habitually booked. He always joyfully helped out with school pickups for my kids, and this past year, he picked up my 4 year old, Theodore, from preschool twice a week, always first in line because he was also ridiculously and annoyingly early for EVERYTHING. He and Theoore had their routine - he would bring him some gummi worms that Theodore quickly came to expect. Doug was so deeply authentic, genuinely interested in other people, and kind down to his core, that he made friends wherever he went. He wasn’t super extraverted, but he could relate to anyone, and making new friends was a superpower he had. He made friends with parents at my kids sports games, with other grandparents at school pickup, and most stunning of all - he made friends and stayed in contact with a guy he sold a car to - a chance encounter that turned into a friendship, and they stayed in touch for many years after. Doug valued simplicity and he was content to...

It’s Sunday and I’m wrapping up the week by summarizing this week’s theme: America's $36 Trillion Tab - Understanding how The U.S. National Debt Impacts You Everyone’s favorite topic - the crushing US national debt - yay! In case you missed any episodes this week, here’s the recap

This week on the Retirement Quick Tips Podcast, I’m talking about America’s $36 Trillion Tab on the national debt and what that means for you. Today, I’m talking about how you can prepare and protect yourself from the US National debt’s doom loop.

This week on the Retirement Quick Tips Podcast, I’m talking about America’s $36 Trillion Tab on the national debt and what that means for you. A very smart investor told me recently that the national debt will begin to decline when the growth rate of the economy outpaces the growth rate on the debt. Ok, so then one could conclude that we just need more robust economic growth to get out of this debt doom loop we seem to be headed for.

This week on the Retirement Quick Tips Podcast, I’m talking about America’s $36 Trillion Tab on the national debt and what that means for you. Today, I’m talking about the ugly tradeoffs for reducing the national debt and how each of those options, and likely some combination of all 3 could impact you.