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Retirement Planning : Let's Make Sense Of This Sh*t

Retirement Planning : Let's Make Sense Of This Sh*t

By: Elena
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This show is for pre-retirees and planners aged 45–65 with $100K–$1M investable assets who need decade-scale decisions in plain language—not day-trading hype or opening-bell chatter. We own 401(k), IRA, Roth vs traditional, Social Security timing, RMDs, Medicare basics, and withdrawal sequencing. We never compete with `the-morning-market-show` on S&P/Fed/CPI intraday catalysts, or with `managing-personal-debt-lets-make-sense-of-this-sht` on avalanche/snowball payoff (cross-link instead). Each episode is one decision tree with dollar examples, not stock picks. --- Topics include: Retirement Planning.© 2026 Let's Work This Sh*t Out Economics
Episodes
  • Retirement 101: Roth vs Traditional — Decision Tree by Age

    Retirement 101: Roth vs Traditional — Decision Tree by Age
    Jun 12 2026
    In this episode, retirement planning can feel like trying to solve a Rubik’s cube in the dark—but it doesn’t have to stay that way. In this episode of Retirement Planning: Let’s Make Sense Of This Sh*t, we cut through the jargon, fear, and endless fine print to show you exactly how to build a plan that actually works for your real life, not some idealized spreadsheet version of it.

    You’ll hear straight talk on the biggest mistakes people make with 401(k)s, IRAs, and Social Security, plus simple moves that can add years of financial freedom without requiring a finance degree or a six-figure salary. We break down when to start, how much is “enough,” and the sneaky ways taxes and fees can quietly drain your future if you’re not paying attention.

    Ready to stop guessing and start planning with confidence? Hit play, then subscribe so you never miss an episode that helps you get your retirement shit together.
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    9 mins
  • Retirement 101: Roth vs Traditional — Decision Tree by Age

    Retirement 101: Roth vs Traditional — Decision Tree by Age
    Jun 7 2026
    In this episode, we cover Roth decision. The conversation opens with: Welcome to Retirement Planning : Let's Make Sense Of This Sh*t. Many listeners hit their mid forties or fifties and still face the same fork in the road with every 401k or IRA contribution. Should the money go into a traditional account that cuts your taxes now or a Roth that shifts the tax bill later. Listen for the key context, practical takeaways, and the most important points to carry forward.

    Welcome to Retirement Planning : Let's Make Sense Of This Shit. Many listeners hit their mid forties or fifties and still face the same fork in the road with every 401k or IRA contribution. Should the money go into a traditional account that cuts your taxes now or a Roth that shifts the tax bill later. The thing is age changes the math in clear ways. A decision tree helps sort it out with dollar examples instead of guesswork. Take someone age forty eight earning eighty thousand dollars. Putting four thousand dollars into a traditional account saves nine hundred sixty dollars in taxes this year at a twenty four percent rate. That same amount in a Roth means paying the tax now but keeping every withdrawal free of tax after age seventy two. By age fifty eight this point shifts because required minimum distributions start later and Medicare premiums enter the equation. We walk through each b

    Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.
    Show More Show Less
    8 mins
  • Retirement 101: Roth vs Traditional — Decision Tree by Age

    Retirement 101: Roth vs Traditional — Decision Tree by Age
    Jun 7 2026
    In this episode, we cover Roth decision. The conversation opens with: Welcome to Retirement Planning : Let's Make Sense Of This Sh*t. Many listeners hit their mid forties or fifties and still face the same fork in the road with every 401k or IRA contribution. Should the money go into a traditional account that cuts your taxes now or a Roth that shifts the tax bill later. Listen for the key context, practical takeaways, and the most important points to carry forward.

    Welcome to Retirement Planning : Let's Make Sense Of This Shit. Many listeners hit their mid forties or fifties and still face the same fork in the road with every 401k or IRA contribution. Should the money go into a traditional account that cuts your taxes now or a Roth that shifts the tax bill later. The thing is age changes the math in clear ways. A decision tree helps sort it out with dollar examples instead of guesswork. Take someone age forty eight earning eighty thousand dollars. Putting four thousand dollars into a traditional account saves nine hundred sixty dollars in taxes this year at a twenty four percent rate. That same amount in a Roth means paying the tax now but keeping every withdrawal free of tax after age seventy two. By age fifty eight this point shifts because required minimum distributions start later and Medicare premiums enter the equation. We walk through each b

    Subscribe for weekly explainers — no guru fluff, just tactics you can apply this week.
    Show More Show Less
    6 mins
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