{"podcast":{"title":"Real Personal Finance","slug":"real-personal-finance-598374","podcast_index_feed_id":598374,"rss_url":"https://rss.buzzsprout.com/2066103.rss","website_url":"https://realpersonalfinance.libsyn.com/website","image_url":"https://storage.buzzsprout.com/994fycfplvwqfrxf4w9c7enk3xta?.jpg","author":"Scott Frank","episode_count":250,"summary":"Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNER™ professionals, Scott Frank and Nick Covyeau. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. Scott and Nick are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.","last_synced_at":"2026-07-10T00:19:23.190010+00:00","page_url":"https://stenobird.com/podcast/real-personal-finance-598374"},"episode":{"title":"Am I Behind? Rethinking Retirement Catch-Up Strategies","slug":"am-i-behind-rethinking-retirement-catch-up-strategies","published_at":"2025-07-17T14:00:00+00:00","page_url":"https://stenobird.com/podcast/real-personal-finance-598374/am-i-behind-rethinking-retirement-catch-up-strategies","show_page_url":"https://stenobird.com/podcast/real-personal-finance-598374","url":"https://www.buzzsprout.com/2066103/episodes/17517155-am-i-behind-rethinking-retirement-catch-up-strategies.mp3","audio_url":"https://www.buzzsprout.com/2066103/episodes/17517155-am-i-behind-rethinking-retirement-catch-up-strategies.mp3","summary":"Do you ever feel like you're behind on retirement? A 41-year-old listener with over $230,000 saved and a 50%+ savings rate, certainly did. In this episode, we explain why starting late doesn't mean finishing last, especially when you're making such incredible strides! We dive into the numbers, the idea of being \"behind\" and the importance of the right mindset during this prep-for-retirement journey. You will hear a little debate about Roth versus traditional 401(k), how your tax bracket shoul...","meta_description":"Do you ever feel like you're behind on retirement? A 41-year-old listener with over $230,000 saved and a 50%+ savings rate, certainly did. In this episode…","key_points":[],"chapters":[],"topics":[],"duration_seconds":1802,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/real-personal-finance-598374/episodes/am-i-behind-rethinking-retirement-catch-up-strategies/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/real-personal-finance-598374/am-i-behind-rethinking-retirement-catch-up-strategies.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}