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Is all debt bad? Should you be completely debt-free before retirement? In this episode of Retire Right, Ryan, Ron and Nick discuss the critical topic of debt management and how it fits into a retirement plan. They dig into real-life examples—credit cards, mortgages, second homes, even RVs, and explain why some debt can actually work for you while other types can quietly wreck your financial future.

Here’s what we cover in this episode:

💳 The difference between “good debt” and “bad debt”
📊 When expected returns make keeping debt the smarter move
🏠 Why most retirees should aim to be debt-free—but not always
🧾 How paying off debt can trigger major tax consequences
📉 The risks of reverse compounding in down markets

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

If you're confused about Social Security—when to claim it, how much you'll get, or whether it’ll even be around—this episode is your roadmap. In this episode, Ryan, Ron, and Nick break down the basics on real-life claiming strategies for individuals, couples, and those navigating spousal benefits. Factors like health, longevity and even stock market valuations need to be considered when making the decision about when to take benefits.

Here’s what we cover in this episode:

👉 What “full retirement age” really means for your benefit

💑 Why spousal benefits could significantly boost household income

⏳ When delaying makes the most sense, and when it doesn’t

📈 How market conditions affect your Social Security strategy

🔒 Will Social Security still exist in 2035?

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H

Most investors dread market downturns, but what if you could turn losses into long-term gains? There’s a smart, often underutilized strategy that allows you to do just that. It’s called tax-loss harvesting, and when used correctly, it can be a powerful way to reduce taxes and stay invested, even in bear markets. In this episode, Ryan, Ron and Nick break down how tax-loss harvesting works, when to use it, what pitfalls to avoid, and why this strategy is especially crucial in non-retirement accounts.

Here’s what we cover in this episode:

🧾 Turn downturns into tax breaks

🛑 Avoid the “wash sale” trap

🧠 Stay invested, skip the panic

🏗 Build your tax-loss piggy bank

Connect with us:

Web: https://wyzewealthadvisors.com/
Phone: 724-271-7019

Watch the show on YouTube: https://bit.ly/3Ssra3H