Matthew R. Harris (aka Safe Money Matt)
Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰
Safe Money Weekly - 12.05.25
Happy Friday Reader! Below is a weekly recap of my recent videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Popular Recent Videos (all 1 min. or less): [Case Study] 58-year-old Couple Wants $12k/month in Retirement (AND a $1M Legacy for their Grandkids) [Retirement Planning] The Formula That Virtually Guarantees You Will Have Enough Saved for Retirement [Case Study] My Wife and I are 60 with...
Safe Money Weekly - 11.21.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). New Videos This Week (all 1 min. or less): [Case Study] How This 60-year-old Couple Increased Their Safe Retirement Income by 37% (without hurting their legacy) [Tax Planning] The REAL RMD Trap No One is Talking About (and how it can severely damage your portfolio during market...
Safe Money Weekly - 11.14.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). New Videos This Week (all 1 min. or less): [Tax Planning] Why Every High-Earner Should Start the 5-year Roth IRA Clock Right Now [Case Study] 55-year-old Couple Boosts Retirement Income by Nearly 50%! (with a few small tweaks) [Case Study - Long-term Care] How This 58-year-old...
How Much Can You SAFELY Spend in Retirement? - Safe Money Weekly - 11.7.25
Happy Friday Reader! How Much Can You Safely Spend in Retirement? (Hint: It Could Be More Than You Think.) It’s one of the most important — and most misunderstood — questions retirees face: “How much can I actually spend each year... without running out of money?” Most people know the 4% Rule — the old rule of thumb that says you can safely withdraw 4% of your portfolio in year one of retirement, then increase it each year for inflation. It’s simple, historically reliable, and backed by...
Tax-Smart Income Planning - Safe Money Weekly - 10.31.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Tax-Smart Income Planning Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals).But, the 🔑 components to really take into consideration are:✅ Average lifetime tax rate✅ Total...
Tax-Smart Income Planning - Safe Money Weekly - 10.24.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Tax-Smart Income Planning Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals).But, the 🔑 components to really take into consideration are:✅ Average lifetime tax rate✅ Total...
A Quick Note from 12,000 feet! - Safe Money Weekly - 10.17.25
Happy Friday Reader! A Quick Note From 12,000 feet This week's newsletter comes to you from about 12,000 feet... I'm currently in the mountains of Colorado chasing elk through the thick timber, having only a slight idea what I'm (actually) doing, and very likely shivering from the freezing cold weather up here. That might not sound like fun to you... and I don't blame you... but this is easily one of my most cherished times of year. It's a chance to reset, breathe in the mountain air, and...
Safe Money Weekly - Turn IRAs into Tax-free LTC Income - 10.10.25
Happy Friday Reader! Below is a weekly recap of my most newest content. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Or, if you'd prefer schedule your free Retirement Income Analysis. Turning Your IRA Into a Tax-free Long-term Care Income Here’s how it works: withdrawals from IRAs and 401(k)s are normally fully taxable. But when those dollars are used to cover qualified long-term care expenses, IRS §213...
Safe Money Weekly - 10.03.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Or, if you'd prefer schedule your free Retirement Income Analysis. 🚀 New Tool: The Roth Conversion Blueprint If you’ve ever wondered whether a Roth conversion makes sense for you, I now have a brand-new tool that shows the long-term tax impact of different strategies — clearly,...
Safe Money Weekly - 09.26.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Or, if you'd prefer schedule your free Retirement Income Analysis. 🚀 New Tool: The Roth Conversion Blueprint If you’ve ever wondered whether a Roth conversion makes sense for you, I now have a brand-new tool that shows the long-term tax impact of different strategies — clearly,...
Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰