<description>&lt;h1&gt;How can you guarantee a fabulous retirement?&lt;/h1&gt;&lt;p&gt;Retirement isn’t just about the dollars—it’s about designing a life of freedom, security, and fierce self-expression.&lt;/p&gt;&lt;p&gt;In this episode, we’re diving into &lt;strong&gt;nine essential money moves&lt;/strong&gt; every LGBTQ person (especially fabulous folks over 45) should make to retire with confidence, not chaos.&lt;/p&gt;&lt;p&gt;Because let’s face it—only &lt;strong&gt;35% of LGBTQ Americans over 45&lt;/strong&gt; feel financially ready for retirement. And we deserve better.&lt;/p&gt;&lt;p&gt;From ditching debt and dodging tax traps to building a “bitch, I’m fine” fund and finding your post-career purpose, we’re breaking down the strategies to help you retire with peace of mind &lt;em&gt;and&lt;/em&gt; a little sparkle.&lt;/p&gt;&lt;p&gt;This episode is your mini masterclass in queer retirement prep—with just the right amount of sass, stats, and soul.&lt;/p&gt;&lt;p&gt;💅 Let’s make sure your golden years are as fabulous as you are.&lt;/p&gt;&lt;h2&gt;Takeaways:&lt;/h2&gt;&lt;ul&gt;&lt;li&gt;✨ &lt;strong&gt;Retirement isn’t just about money—it’s about freedom, security, and living life on &lt;em&gt;your&lt;/em&gt; terms - &lt;/strong&gt;You didn’t come this far to live a cookie-cutter life. Retirement should reflect &lt;em&gt;you.&lt;/em&gt;&lt;/li&gt;&lt;li&gt;📉 &lt;strong&gt;Too many LGBTQ Americans are entering retirement feeling unsure and unprepared - &lt;/strong&gt;Only 35% of us over 45 feel confident about our financial future. We’re here to change that.&lt;/li&gt;&lt;li&gt;💰 &lt;strong&gt;You need a “Bitch, I’m Fine” fund - &lt;/strong&gt;That’s your emergency stash—12–24 months of expenses in cash to protect your peace and your portfolio.&lt;/li&gt;&lt;li&gt;🩺 &lt;strong&gt;Plan your healthcare &lt;em&gt;before&lt;/em&gt; you need it - &lt;/strong&gt;Don’t let surprise medical bills ruin your retirement glow-up. Get ahead of the game now.&lt;/li&gt;&lt;li&gt;🧾 &lt;strong&gt;Social Security isn’t just a check—it’s a strategy - &lt;/strong&gt;The right timing can mean thousands more over your lifetime. Know your options, especially if you’re single or partnered without spousal benefits.&lt;/li&gt;&lt;li&gt;📂 &lt;strong&gt;Simplify, darling - &lt;/strong&gt;Consolidating your retirement accounts makes managing your money easier and your future clearer. Less paperwork, more peace of mind.&lt;/li&gt;&lt;/ul&gt;&lt;br/&gt;&lt;h2&gt;Topics Covered: &lt;/h2&gt;&lt;ul&gt;&lt;li&gt;00:01 - Understanding Retirement Beyond Finances&lt;/li&gt;&lt;li&gt;01:33 - Essential Money Moves for Retirement&lt;/li&gt;&lt;li&gt;04:41 - Understanding Retirement Finances&lt;/li&gt;&lt;li&gt;08:21 - Navigating Healthcare Options in Retirement&lt;/li&gt;&lt;li&gt;10:30 - Navigating Retirement: A New Beginning&lt;/li&gt;&lt;/ul&gt;&lt;br/&gt;&lt;p&gt;Mentioned in this episode:&lt;/p&gt;&lt;p&gt;&lt;strong&gt;Ready to retire where you can be yourself... fully?&lt;/strong&gt;&lt;/p&gt;&lt;p&gt;Learn more about the Portugal Golden Opportunites Fund with Optimize&lt;/p&gt;&lt;p&gt;&lt;a href="https://queer-money.captivate.fm/pgof-2"&gt;Get Your Portugal Golden Visa Here!&lt;/a&gt;&lt;/p&gt;</description>

Queer Money®: How Gay People Do Money

Queer Money

Mastering Your Retirement: Nine Essential Financial Strategies | Queer Money Ep. 584

APR 1, 202512 MIN
Queer Money®: How Gay People Do Money

Mastering Your Retirement: Nine Essential Financial Strategies | Queer Money Ep. 584

APR 1, 202512 MIN

Description

How can you guarantee a fabulous retirement?

Retirement isn’t just about the dollars—it’s about designing a life of freedom, security, and fierce self-expression.

In this episode, we’re diving into nine essential money moves every LGBTQ person (especially fabulous folks over 45) should make to retire with confidence, not chaos.

Because let’s face it—only 35% of LGBTQ Americans over 45 feel financially ready for retirement. And we deserve better.

From ditching debt and dodging tax traps to building a “bitch, I’m fine” fund and finding your post-career purpose, we’re breaking down the strategies to help you retire with peace of mind and a little sparkle.

This episode is your mini masterclass in queer retirement prep—with just the right amount of sass, stats, and soul.

💅 Let’s make sure your golden years are as fabulous as you are.

Takeaways:

  • ✨ Retirement isn’t just about money—it’s about freedom, security, and living life on your terms - You didn’t come this far to live a cookie-cutter life. Retirement should reflect you.
  • 📉 Too many LGBTQ Americans are entering retirement feeling unsure and unprepared - Only 35% of us over 45 feel confident about our financial future. We’re here to change that.
  • 💰 You need a “Bitch, I’m Fine” fund - That’s your emergency stash—12–24 months of expenses in cash to protect your peace and your portfolio.
  • 🩺 Plan your healthcare before you need it - Don’t let surprise medical bills ruin your retirement glow-up. Get ahead of the game now.
  • 🧾 Social Security isn’t just a check—it’s a strategy - The right timing can mean thousands more over your lifetime. Know your options, especially if you’re single or partnered without spousal benefits.
  • 📂 Simplify, darling - Consolidating your retirement accounts makes managing your money easier and your future clearer. Less paperwork, more peace of mind.

Topics Covered:

  • 00:01 - Understanding Retirement Beyond Finances
  • 01:33 - Essential Money Moves for Retirement
  • 04:41 - Understanding Retirement Finances
  • 08:21 - Navigating Healthcare Options in Retirement
  • 10:30 - Navigating Retirement: A New Beginning

Mentioned in this episode:

Ready to retire where you can be yourself... fully?

Learn more about the Portugal Golden Opportunites Fund with Optimize

Get Your Portugal Golden Visa Here!