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Matthew R. Harris (aka Safe Money Matt)

🎉 A Small (But Important) Update I’m Excited to Share


Happy Friday Reader!

🎉 A Small (But Important) Update I’m Excited to Share

Over the past few months, I’ve been quietly working on something I built specifically for you all — a new website designed to be a free, growing resource-hub for anyone trying to make smarter, more confident retirement decisions.

I invested the time and resources to work with a great team so this could be easier to navigate, more useful, and more resourceful in an ongoing way.

You can now read 300+ of my blogs for free in one place (no more dealing with the Medium paywall), explore the framework of my retirement income philosophy in greater detail, read testimonials from real clients I've helped, find answers to many of the FAQs I get every single day, and find out a little more about me beyond the blogs and Instagram videos!

And this is just the start — I’ll be continuously adding new resources, guides, tools, calculators, and anything that I think will be helpful for you all!

Check it out 👉 Your New Retirement Resource Hub

Now as usual, all of the new resources (videos and blogs) of the week, are linked below. Enjoy!

Top Blogs of the Week:

Featured Blog of the Week

A 57-Year-Old Woman Protects Her Legacy With a $955,000 Tax-Free Long-Term Care Asset

On paper, Jackie’s retirement plan looked complete. Her income was covered, her portfolio was disciplined, and her spending strategy was flexible. But as this week’s headline suggests, the biggest risk to her legacy wasn’t markets or taxes—it was long-term care.

In this case study, I walk through how a 57-year-old woman identified the one threat that could unravel everything, and how a single planning decision created a $955,000 tax-free safety net without sacrificing growth or legacy.

👉 Read Jackie's Story Here

Safe Money Spending Philosophy

The Retirement Risk No One Talks About: Not Spending Enough

Most retirees worry about one thing: running out of money. But as this week’s headline suggests, one of the most overlooked risks in retirement is actually the opposite—not spending enough, especially early on.

In this post, I explain why underspending doesn’t eliminate risk, how market timing matters more than most people realize, and why the right income structure gives you permission to enjoy your retirement while still protecting the future. Read the full post.

👉 Read the full blog post here

Safety-first Income Planning

We’re 58 With Pensions & $1.1M — How Much Can We Aggressively Spend Until Age 80?

Most retirement advice is built around one fear: don’t run out of money. But as this week’s headline suggests, the bigger risk for some retirees is actually spending too little and missing the best years.

In this case study, I walk through how a 58-year-old couple with pensions and $1.1M used a safety-first income floor to confidently spend aggressively through age 80—without sacrificing long-term security.

👉 Read Aaron and Becca's Story Here

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 lifetime taxes paid
✅ Total net income collected
✅ AND total net legacy for your loved ones

It’s an ongoing process but proper tax planning can be worth MILLIONS to you and your loved ones 👏

Here's a snapshot of how much the right income strategy can save you (and your loved ones) in lifetime taxes (based on a case study I did this week):

This shows a very significant decrease in lifetime taxes, an increase in overall income, and a larger legacy for loved ones (as compared to traditional distribution/income strategies)!

Helpful Tools & Resources:

  • NEW Roth BluePrint Analysis

💡 Want to see how a Roth conversion could work for your retirement? My new Roth Conversion Blueprint shows the long-term tax savings, income benefits, and legacy potential — all without reducing your account value or bumping you into a higher tax bracket. 👉 Let’s run the numbers together.

  • Complete Guide to Long-term Care Planning (New One-pager)

Long-term care isn’t just a future concern—it’s a planning opportunity today. This all-in-one guide breaks down the costs, risks, and strategies to help you protect your wealth and leverage LTC solutions before you need them.

  • Retirement Income Insider (free VIP group)

Here I'll share additional retirement planning tips + exclusive access to future Masterclasses, live Q&A's, and many other retirement resources!

  • Future, Guaranteed Income Calculator (free)

Run your own retirement income projections to see approximately how much, guaranteed income you can secure (now or in the future).

Note: this is done through 1 company I work with, so while it may be a good estimator for your situation, there may also be a better option with a different company (and a higher payout) for you

As always, thanks for allowing me into your inbox. If there is any way that I can be a resource for you, please don't hesitate to reach out.

P.S. if you find this email helpful, forward it along to friends & family (and if you were forwarded this email, you can join the list here)

P.S.S. some helpful links & resources you might enjoy

Wanna chat finances? Schedule Some Time Here

Let’s Connect:
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Additional Resources:
Website | My Testimonials | My Free Personal Development Books

Shop Simplified Life Insurance Solutions (on your own) + Free Estate Planning Tools Here

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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 📰

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