{"podcast":{"title":"Financial Sanity with Patrick Ayers","slug":"financial-sanity-with-patrick-ayers-7108735","podcast_index_feed_id":7108735,"rss_url":"https://www.spreaker.com/show/6416581/episodes/feed","website_url":"https://www.spreaker.com/podcast/financial-sanity-with-patrick-ayers--6416581","image_url":"https://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/7f769edfd233c4f44c58199b56d37fb6.jpg","author":"Patrick Ayers","episode_count":95,"summary":"DISCLOSURE: Securities and investment advisory services are offered through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a Registered Investment Advisor. MAS and Ayers Financial Services are not affiliated entities.","last_synced_at":"2026-09-20T12:21:32.636353+00:00","page_url":"https://stenobird.com/podcast/financial-sanity-with-patrick-ayers-7108735"},"episode":{"title":"Reality of Retirement","slug":"reality-of-retirement","published_at":"2026-06-29T18:43:20+00:00","page_url":"https://stenobird.com/podcast/financial-sanity-with-patrick-ayers-7108735/reality-of-retirement","show_page_url":"https://stenobird.com/podcast/financial-sanity-with-patrick-ayers-7108735","url":"https://www.spreaker.com/episode/reality-of-retirement--72745516","audio_url":"https://api.spreaker.com/download/episode/72745516/financial_sanity_reality_of_retirement_6_27_26.mp3","summary":"Most retirement planning assumes your expenses will immediately drop when you stop working - maybe needing only 70-80% of your working income. But what if that conventional wisdom is completely wrong? What if retirement spending actually follows a very different pattern than the neat, predictable decline that financial calculators assume? Why do you think that retirement spending assumptions often miss the mark? Welcome to Financial Sanity with Patrick Ayers With so much financial noise, it's understandable why so many people are going financially insane. Taxes, Social Security, Wall Street, Healthcare...there is so much uncertainty about the modern retirement. Local, independent, reliable...Patrick Ayers, President and CEO of Ayers Financial Services can help provide a clear financial picture so you can achieve a fulfilling retirement. It is time to regain your financial sanity. Listen to Financial Sanity Saturdays at 7:00 and Sundays at 8:00 on WFIR. -- -- -- -- -- -- For more information on retirement planning, visit ayersfinancial.com ! Looking for specific information about today's topic? Check out our resources page !","meta_description":"Most retirement planning assumes your expenses will immediately drop when you stop working - maybe needing only 70-80% of your working income. But what if…","key_points":[],"chapters":[],"topics":[],"duration_seconds":3412,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/financial-sanity-with-patrick-ayers-7108735/episodes/reality-of-retirement/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/financial-sanity-with-patrick-ayers-7108735/reality-of-retirement.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}