Queer Money®: How Gay People Do Money

Queer Money is a bi-weekly show dedicated to creating desperately needed generational wealth within the gay community because we deserve to sleep better at night and we must stand up to the anti-LGBTQ+ industrial complex. Listen and watch regularly to eliminate financial insecurity and generate personal wealth, prepare for a secure and fun retirement, find the most affordable, LGBTQ+-friendly cities in the US to live in or travel to, grow your stock portfolio to $1,000,000+, build a real estate empire and start a small business. Your hosts are husbands and money experts David & John Auten-Schneider who have been the leaders in LGBTQ+ finance since 2015. With nine seasons, nearly 500 episodes, over a million downloads and features by Oprah, Advocate, Variety, CNBC and more, the award-winning Queer Money is the longest running show made by and for the LGBTQ+ community and is the only show solely dedicated to our financial well-being as gay people. · For more financial information and helpful resources, visit queermoneypodcast.com · For complementary charts and grafts (and pretty pictures), subscribe to Queer Money on YouTube @ https://www.youtube.com/@queermoney?sub_confirmation=1

Queer Money®: How Gay People Do Money is a business podcast hosted by Unknown Host, with 0 episodes on record and a Required Pod Score of 90.

Unknown Host hosts Queer Money®: How Gay People Do Money, a business show with 0 episodes published.

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  Episode #662

  7 Things We Got Wrong About Early Retirement | Queer Money Ep. 662

  Oct 6, 202614 minS11

  Our Early Retirement Confessional We retired early because we thought we were buying ourselves more freedom. We were right. We also got some pretty big things wrong. In our second full year of retirement, David's healthcare alone will cost us more than $20,000. Income we expected to keep earning in semi-retirement practically disappeared. And all that glorious free time? Turns out Netflix is perfectly willing to help you waste your retirement. How thoughtful of them. Even after running our retirement numbers repeatedly and proving to ourselves that we have enough, there's still occasionally that annoying little voice asking: “But what if we got it wrong?” In this episode of Queer Money®, we're getting personal about 7 things that surprised us after retiring early , what actually happened and what we're doing differently now. 7 things we got wrong: Healthcare isn't just a money problem. You can afford the trip and still not feel well enough to take it. Semi-retirement income isn't guaranteed. Income we expected from Queer Money and corporate partnerships became considerably less reliable, reminding us why retirement needs multiple financial bridges. The math doesn't eliminate the fear. After decades of saving, your brain doesn't automatically become comfortable spending because a spreadsheet says you're ready. Not everyone will understand. Friends and family may interpret your retirement, move abroad or unconventional choices through their fears rather than your reality. ️ Free time doesn't create purpose. “I can't wait to stop working” isn't a retirement plan. What are you retiring TO? Healthy habits don't magically happen. “Anytime” has an irritating habit of becoming “never.” Freedom works better with some structure. Spending your money can feel WRONG. After 30 or 40 years of accumulating wealth, deliberately spending it can feel irresponsible even when that's literally what the money is for. And that last lesson may be the hardest one for us. We're learning to ask not only “Can we afford this?” but also: “Will this give us enough happiness, connection or experience to make spending the money worth it?” That's our return on happiness . If we could talk to ourselves before retiring, we'd offer three pieces of advice: Build financial bridges before you need them. Build a life before you leave your job. Build flexibility into every assumption. Because retirement isn't the finish line. It's another version of your life that you have to build. Want to stress-test your own retirement? Use the Queer Money Retirement Calculator Financial education only, not individualized financial, tax or investment advice. Retire by design, not by default. ️‍ How We Help the Queer Money Community Free Guides 10 Vital Retirement Numbers Retire Abroad Checklist Calculators, Planners & Tools ️‍ Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator Queer Money Retirement Vault Retirement Readiness Review

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  Episode #661

  How to Retire With $500K, $1 Million or $2 Million? | Queer Money Ep. 661

  Sep 29, 202614 minS11

  Retirement at 3 Different Savings Levels Terry is 62. Pat is 65. They want to retire today . But inspired by Apple TV's Dark Matter , we're putting Terry and Pat into three different retirement universes. In one, they have $500,000 . In another, they have $1 million . And in the third, they have $2 million . So which Terry and Pat actually get to retire? The answer is more complicated than “the ones with $2 million, duh.” Because how much money you've saved is only the beginning. The bigger question is: Which money pays for which years? In this episode of Queer Money®, we're showing how the exact same couple's retirement strategy changes dramatically depending on how much they've saved and, just as importantly, where they've saved it. What you'll learn: The $500K universe: Why their biggest challenge isn't necessarily running out of money. It's building a bridge between retirement today and Social Security, Medicare and other future income. The $1M universe: They may have enough to retire, but now withdrawal sequencing becomes critical. Should they spend cash first? Taxable investments? Traditional retirement accounts? Roth money? The $2M universe: Their problem changes again. Large traditional retirement balances could create future tax challenges, and being too obsessed with avoiding IRMAA today could mean missing bigger opportunities tomorrow. ✈️ The spending question: What if the $2 million version of Terry and Pat could safely spend MORE during their healthiest retirement years? The healthcare question: How Roth conversions and retirement-account withdrawals can potentially affect marketplace health insurance and future Medicare premiums. The retirement sequence: Why retirement shouldn't necessarily be modeled as one perfectly flat spending number that increases every year until you die. If you're closer to $500K , know your bridge number . If you're closer to $1 million , know your withdrawal sequence . If you're closer to $2 million , know what you're actually optimizing for . Because retirement isn't one number. It's a sequence. If you want to run your own retirement numbers, use the Queer Money Retirement Calculator . Change your retirement age, spending and expected returns and see what happens. This episode is financial education, not individualized financial, tax or investment advice. Retire by design, not by default. ️‍ How We Help the Queer Money Community Free Guides 10 Vital Retirement Numbers Retire Abroad Checklist Calculators & Planners ️‍ Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator Retirement Readiness Review Mentioned in this episode: It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here! Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here!

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  Episode #660

  Is Ajijic, Mexico Retirement Hot for Gay Folks? | Queer Money 660

  Sep 22, 202610 minS11

  Is Ajijic retirement hot? Puerto Vallarta gets most of the attention when gay men talk about retiring in Mexico. But what if the perfect gay vacation destination isn't the perfect gay retirement destination? We're currently in Ajijic, Mexico, extending our Mexican residency from one year to three years and seriously considering spending the first four months of our move to Mexico right here. So we're asking: Is Ajijic retirement hot? In this episode of Queer Money®, we're sharing 5 reasons Ajijic has become one of the most interesting retirement destinations in Mexico for us, plus 3 reasons it might make you say absolutely not. And we're doing it from Ajijic based on what we're actually experiencing. Why Ajijic has our attention: ️‍ It's surprisingly gay. Ajijic has an active LGBTQ+ community that feels less focused on nightlife and more focused on building friendships and community. It's an easy soft landing in Mexico. A large immigrant community, English-speaking services and established infrastructure can make moving abroad considerably easier. Healthcare is accessible. Ajijic has local hospitals, specialists, labs and dental care, with even more options available nearby and in Guadalajara. Our money goes further. Ajijic isn't bargain-basement cheap anymore, but compared with many places in the U.S., everyday expenses can still feel considerably more reasonable. It's retirement hot, not necessarily vacation hot. Puerto Vallarta may win for beaches, nightlife and vacation energy. Ajijic may win for community, everyday living and building an actual life. But Ajijic isn't retirement paradise for everyone. Those charming cobblestone streets can become a serious mobility issue. The large immigrant population can make it easy to stay inside an English-speaking bubble. And traffic on the Carretera may test your retirement zen. So would we retire here permanently? We're currently about a 7 out of 10. But we're also planning to spend the first four months of our move to Mexico here, which probably says more than the score. Because the real test of a retirement destination isn't: “Did I have a fabulous vacation there?” It's: “Could I actually enjoy Tuesday there?” If you're considering retiring or moving abroad, get the Queer Money Retire Abroad Planner & Calculator here. Retire by design, not by default. ️‍ How We Help the Queer Money Community Free Guides 10 Vital Retirement Numbers Retire Abroad Checklist Calculators & Planners ️‍ Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator Retirement Readiness Review Mentioned in this episode: It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here! Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here!

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  Episode #659

  5 Best Gay Countries for Slow Travel in Retirement | Queer Money Ep. 659

  Sep 15, 202620 minS11

  Where should you actually retire abroad? Maybe you should stop vacationing there first. Seven days of hotels, restaurants, sightseeing and cocktails tells you whether you like a vacation destination. It doesn't tell you whether you'd enjoy buying groceries, finding a doctor, navigating public transportation and doing absolutely nothing on a Saturday there. And it definitely doesn't tell you what it feels like to live there as a gay person when Pride isn't happening. In this episode of Queer Money®, we're ranking the 5 best gay-friendly countries for slow travel , especially for Americans who may secretly be test-driving their future retirement. We started with more than 40 countries recommended by experienced slow travelers and put them through the Queer Money Slow Travel Test : LGBTQ+ friendliness, staying power, ease of everyday life, healthcare access and the ability to experience multiple potential retirement lifestyles. And our #2 country surprised even us. The Top 5: #5 Argentina – Buenos Aires gives you world-class city life, while Mendoza, Córdoba and Patagonia let you test completely different retirement lifestyles. #4 Brazil – Rio, São Paulo and Florianópolis offer incredible variety, with visitor stays potentially reaching 180 days and retirement residency options for qualifying retirees. #3 Thailand – Bangkok, Chiang Mai and the southern beaches combine affordability, healthcare, infrastructure and a huge international community. #2 Chile – The surprise of the list. From Santiago to wine country, beaches and Patagonia, Chile offers enormous variety plus surprisingly strong LGBTQ+ protections. #1 Spain – Madrid, Valencia, Málaga, Gran Canaria, northern Spain and, yes, Sitges. World-class transportation, healthcare, LGBTQ+ acceptance and dramatically different lifestyles make Spain our best country for slow-traveling your way toward retirement. Takeaways from this episode: ️‍ Why LGBTQ+ laws AND public acceptance matter when test-driving a retirement destination How long Americans can potentially stay in each country before pursuing residency Why healthcare access needs to be part of your test drive Why your vacation budget isn't your retirement budget Why staying somewhere during its less-fabulous season can tell you more than visiting during perfect weather Why you should rent in a real neighborhood instead of living in a hotel Before choosing your retirement destination: Stay at least one month. Live where residents actually live. Track what normal life costs. Then ask yourself: Would I still love this place if I weren't on vacation? If the answer is yes, make the next step easier with the Queer Money Retire Abroad Planner & Calculator. Retire by design, not by default. ️‍ How We Help the Queer Money Community Free Guides 10 Vital Retirement Numbers Retire Abroad Checklist Calculators & Planners ️‍ Queer Money Retirement Calculator ✈️ Queer Money Retire Abroad Planner & Calculator Retirement Readiness Review Mentioned in this episode: Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here! It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here!

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  Episode #658

  7 Ways to Be a Bad Expat | Queer Money Ep. 658

  Sep 8, 20268 minS11

  Why moving abroad doesn't automatically make you worldly. You can move abroad, lower your cost of living, enjoy better weather and healthcare, and still be a terrible expat . Because moving abroad doesn't automatically make you worldly. Sometimes it just makes you an American with a cheaper margarita. As we prepare for our own move to Mexico, we're thinking more about something that doesn't get nearly enough attention in the retire-abroad conversation: Retiring abroad isn't just about what another country can do for you. It's also about how you show up once you get there. In this episode of Queer Money®, we're counting down seven behaviors that can turn otherwise well-intentioned Americans into bad expats , from refusing to learn the local language to surrounding yourself entirely with other Americans to expecting your new country to operate exactly like the United States. And yes, we're checking ourselves against this list, too. Takeaways from this episode: Why something as simple as greeting people in their language matters How moving abroad without ever leaving your American bubble defeats much of the purpose ️ Why living behind the gates can prevent you from ever actually becoming part of your community ️ Why you don't need to become fluent, but refusing to learn the language isn't cute Why supporting local businesses should be part of enjoying your new country's lower cost of living Why cultural differences aren't problems that need American solutions And our potentially controversial #1: wanting all the benefits of your new country without accepting any responsibility for supporting it All seven mistakes come down to one bigger problem: Bad expats treat another country like a product. What's the price? What's the visa? What's the weather? What's in it for me? Good immigrants start asking different questions: How do I belong here? How do I participate? How do I understand the culture? And what can I contribute? We're becoming immigrants ourselves, and we're absolutely going to screw some of this up. The goal isn't perfection. It's participation. Mentioned in this episode: Optimize August Ad 2 With political uncertainty growing in the U.S., now is the time to build your Plan B. The Optimize Portugal Golden Visa Fund may let you invest existing IRA assets while pursuing Portuguese residency for you and your family. Don’t wait until you need an escape plan to create one. Click below to learn more and request information. Get Your Portugal Golden Visa Here! It's time to create your retirement abroad plan What if your retirement plan included a backup plan outside the United States? The Optimize Portugal Golden Visa Fund may give you the opportunity to invest existing IRA assets while also pursuing residency in Portugal for you and your family. That could mean greater flexibility, access to living and potentially working in Portugal, and a pathway to spending more time throughout Europe. Your retirement savings may be able to do more than fund your future. They could help expand where that future happens. Click the link below to learn how the fund works and request additional information. Get Your Portugal Golden Visa Here!

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