6. Safety-First Retirement Planning: How to Build an Income Floor You Can Count On
Like what you heard in this episode? Here's how I can help:
1. Watch my free training on how to get PREDICTABLE RETIREMENT INCOME: www.retirementsolutionsfinancial.com/predictable-income
2. Schedule a Retirement Income Q&A call with me:
calendly.com/rsf-dramanda/initial-consultation
🎥 The YouTube version of this video is here: www.youtube.com/@RetirementIncomeSchool
✍🏼 The Blog Version of this video is here: www.retirementsolutionsfinancial.com/blog
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True peace of mind in retirement doesn’t come from guessing—it comes from guaranteed income. In this episode of the Retirement Income School™, we explore one of the most important foundations of safe retirement planning — building your income floor. This is the core strategy behind the "safety-first" approach: making sure your essential expenses are covered by guaranteed income sources, no matter what the markets do.
You’ll discover how to shift from a savings-based mindset to an income-based strategy, why predictable cash flow brings peace of mind, and how to calculate and close your own income gap using tools like Social Security, pensions, and annuities. Whether you’re planning for retirement or already there, this episode will give you the clarity and confidence to secure your financial foundation and enjoy the upside from there.
Timestamps:
00:00 – Why true peace of mind comes from guaranteed income
00:45 – What an income floor is and why it matters
01:30 – The savings trap vs. income mindset
02:30 – Identifying your essential expenses
04:00 – Top sources of guaranteed income (Social Security, pensions, annuities)
06:00 – Example of building a $6K/month income floor
07:00 – What if you have no pension or annuity?
08:00 – How securing the floor unlocks upside potential
09:30 – Visualizing the Floor + Upside Pyramid
10:30 – Personalizing your plan based on age, health, and risk tolerance
11:30 – Step-by-step: Identify, calculate, determine the gap, and fill it
12:30 – Favorite solution: annuities with lifetime income riders
13:30 – Retirement paycheck mindset: 100% essential coverage for 30+ years
14:30 – Next steps: schedule a Q&A call and subscribe for more lessons
Show Links
📅 Want to Find Out More?:
Schedule a Q&A Call with Dr. Amanda
https://calendly.com/rsf-dramanda/initial-consultation
💰 Join Us in the Retirement Income School™:
www.RetirementIncome.School
📽️ Watch Retirement Income School™ Content on YouTube:
www.youtube.com/@RetirementIncomeSchool
💰 Watch The Guaranteed Income Blueprint™:
www.retirementsolutionsfinancial.com/guaranteed-income-blueprint
📬 Contact Dr. Amanda:
Email: [email protected]
Phone: 1-866-444-2997
LinkedIn: @RetirementIncomeSchool
👩🏫 About Dr. Amanda:
Dr. Amanda is the founder of Retirement Solutions Financial™ and creator of the Retirement Income School™ and Guaranteed Income Blueprint™. After losing her father and helping her mom navigate retirement, she felt called to help others avoid the stress and confusion of planning alone.
She specializes in safe money strategies using dividend-paying whole life insurance, fixed index annuities, long-term care coverage, and social security claiming strategy. Her mission? To help you protect your wealth and enjoy a secure, stress-free retirement with confidence.
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Disclaimer:The information in this podcast is provided for general educational purposes only and does not constitute financial, legal, or tax advice. Retirement Income School™ and Dr. Amanda Barrientez do not provide individual investment recommendations. Always consult with a licensed advisor or tax professional before implementing any strategy discussed.