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        <title>Your American Retirement</title>
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        <description>Each week, Randy Sams takes to the airwaves to educate more Americans on ways to reach financial freedom. Randy is passionate about helping people like you protect and grow their hard-earned money.
 
Subscribe to the podcast and tune-in every Saturday at 1:00 PM central on 101.1 FM The Answer in Little Rock, Arkansas.
 
Learn more and schedule a no-obligation consultation at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664</description>
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                <title>Your American Retirement</title>
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                <itunes:subtitle>Each week, Randy Sams takes to the airwaves to educate more Americans on ways to reach financial freedom. Randy is passionate about helping people like you protect and grow their hard-earned money.
 
Subscribe to the podcast and tune-in every Saturday at 1:00 PM central on 101.1 FM The Answer in Little Rock, Arkansas.
 
Learn more and schedule a no-obligation consultation at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664</itunes:subtitle>
        <itunes:author>Randy Sams</itunes:author>
        <itunes:type>episodic</itunes:type>
        <itunes:summary>Each week, Randy Sams takes to the airwaves to educate more Americans on ways to reach financial freedom. Randy is passionate about helping people like you protect and grow their hard-earned money.
 
Subscribe to the podcast and tune-in every Saturday at 1:00 PM central on 101.1 FM The Answer in Little Rock, Arkansas.
 
Learn more and schedule a no-obligation consultation at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664</itunes:summary>
        <itunes:owner>
            <itunes:name>Randy Sams</itunes:name>
            <itunes:email>DRelkin@amerilife.com</itunes:email>
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                                            <itunes:category text="Investing" />
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                                    <item>
                <title>
                    <![CDATA[How to Maximize Your Spending Power in Retirement]]>
                </title>
                <pubDate>Fri, 07 Jun 2024 19:45:03 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
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                                    <link>https://your-american-retirement.castos.com/episodes/how-to-maximize-your-spending-power-in-retirement</link>
                                <description>
                                            <![CDATA[<p style="font-weight:400;">On this week’s episode of Your American Retirement, Randy discusses the latest news about the future of Social Security and rings-in Annuity Awareness Month by sharing the benefits of investing in fixed indexed annuities and MYGAs. </p>
<p style="font-weight:400;">Randy Sams would love to meet with you and discuss how he can help you reach your financial goals – Randy can help you with retirement planning, risk management, estate planning and a whole lot more. Building sound financial plans for our listeners is what we do!</p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy discusses the latest news about the future of Social Security and rings-in Annuity Awareness Month by sharing the benefits of investing in fixed indexed annuities and MYGAs. 
Randy Sams would love to meet with you and discuss how he can help you reach your financial goals – Randy can help you with retirement planning, risk management, estate planning and a whole lot more. Building sound financial plans for our listeners is what we do!
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[How to Maximize Your Spending Power in Retirement]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p style="font-weight:400;">On this week’s episode of Your American Retirement, Randy discusses the latest news about the future of Social Security and rings-in Annuity Awareness Month by sharing the benefits of investing in fixed indexed annuities and MYGAs. </p>
<p style="font-weight:400;">Randy Sams would love to meet with you and discuss how he can help you reach your financial goals – Randy can help you with retirement planning, risk management, estate planning and a whole lot more. Building sound financial plans for our listeners is what we do!</p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel</a></p>]]>
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                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy discusses the latest news about the future of Social Security and rings-in Annuity Awareness Month by sharing the benefits of investing in fixed indexed annuities and MYGAs. 
Randy Sams would love to meet with you and discuss how he can help you reach your financial goals – Randy can help you with retirement planning, risk management, estate planning and a whole lot more. Building sound financial plans for our listeners is what we do!
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Avoid These Risky Investments for a Secure Retirement]]>
                </title>
                <pubDate>Fri, 31 May 2024 16:32:46 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1753958</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/avoid-these-risky-investments-for-a-secure-retirement</link>
                                <description>
                                            <![CDATA[<p>Randy points out some specific investments you want to avoid if you’re nearing retirement, and explains why. Plus, he provides examples of inflation happening around the United States and shares tips to help you limit the damage inside your retirement portfolio.</p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy points out some specific investments you want to avoid if you’re nearing retirement, and explains why. Plus, he provides examples of inflation happening around the United States and shares tips to help you limit the damage inside your retirement portfolio.
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[Avoid These Risky Investments for a Secure Retirement]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy points out some specific investments you want to avoid if you’re nearing retirement, and explains why. Plus, he provides examples of inflation happening around the United States and shares tips to help you limit the damage inside your retirement portfolio.</p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1753958/c1e-699m9i2ox5dbz2p0k-60kjmv1oun3v-roublm.mp3" length="77964037"
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                                <itunes:summary>
                    <![CDATA[Randy points out some specific investments you want to avoid if you’re nearing retirement, and explains why. Plus, he provides examples of inflation happening around the United States and shares tips to help you limit the damage inside your retirement portfolio.
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:08</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sunny Money: How To Improve Your Retirement Outlook This Summer]]>
                </title>
                <pubDate>Fri, 24 May 2024 15:25:23 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1748939</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/sunny-money-how-to-improve-your-retirement-outlook-this-summer</link>
                                <description>
                                            <![CDATA[<p><span class="s7">On this week’s edition of Your American Retirement, </span><span class="s7">Randy </span><span class="s7">debunks five common financial misconceptions. Plus, he explains the six things you should do when your nest egg reaches $250,000 to better protect and grow your hard-earned savings.</span></p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy debunks five common financial misconceptions. Plus, he explains the six things you should do when your nest egg reaches $250,000 to better protect and grow your hard-earned savings.
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel ]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[Sunny Money: How To Improve Your Retirement Outlook This Summer]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p><span class="s7">On this week’s edition of Your American Retirement, </span><span class="s7">Randy </span><span class="s7">debunks five common financial misconceptions. Plus, he explains the six things you should do when your nest egg reaches $250,000 to better protect and grow your hard-earned savings.</span></p>
<p>Contact Randy Sams at (866) 990-7664</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1748939/c1e-4oo0oi413k5i90rm3-o8721ovdioww-1emgoq.mp3" length="79216927"
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                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy debunks five common financial misconceptions. Plus, he explains the six things you should do when your nest egg reaches $250,000 to better protect and grow your hard-earned savings.
Contact Randy Sams at (866) 990-7664
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Bad Financial Habits that Can Impact Your Retirement]]>
                </title>
                <pubDate>Sat, 11 May 2024 00:50:37 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1739220</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/bad-financial-habits-that-can-impact-your-retirement</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the five financial habits that could be costing you thousands of dollars each month. Plus, Randy goes further in depth about how inflation impacts your retirement and gives tips on how to counter its effects in the coming years.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the five financial habits that could be costing you thousands of dollars each month. Plus, Randy goes further in depth about how inflation impacts your retirement and gives tips on how to counter its effects in the coming years.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Bad Financial Habits that Can Impact Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>67</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the five financial habits that could be costing you thousands of dollars each month. Plus, Randy goes further in depth about how inflation impacts your retirement and gives tips on how to counter its effects in the coming years.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1739220/c1e-20090h882vxi59gmk-5r50qmzwb7mq-bz2egi.mp3" length="79216927"
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                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the five financial habits that could be costing you thousands of dollars each month. Plus, Randy goes further in depth about how inflation impacts your retirement and gives tips on how to counter its effects in the coming years.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Take These Steps to Prevent a Retirement Tax Bomb]]>
                </title>
                <pubDate>Fri, 03 May 2024 11:32:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1734608</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/take-these-steps-to-prevent-a-retirement-tax-bomb</link>
                                <description>
                                            <![CDATA[<p>This week, Randy goes in-depth about pensions and helping Americans develop a plan for income streams they can count on during retirement. Plus, Randy stresses the importance of taking steps to prevent a retirement tax bomb in your future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[This week, Randy goes in-depth about pensions and helping Americans develop a plan for income streams they can count on during retirement. Plus, Randy stresses the importance of taking steps to prevent a retirement tax bomb in your future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Take These Steps to Prevent a Retirement Tax Bomb]]>
                </itunes:title>
                                    <itunes:episode>66</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>This week, Randy goes in-depth about pensions and helping Americans develop a plan for income streams they can count on during retirement. Plus, Randy stresses the importance of taking steps to prevent a retirement tax bomb in your future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1734608/c1e-g55g5s33ppnb05gq0-7nqnodvva6w5-3nxjn5.mp3" length="77793540"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[This week, Randy goes in-depth about pensions and helping Americans develop a plan for income streams they can count on during retirement. Plus, Randy stresses the importance of taking steps to prevent a retirement tax bomb in your future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:01</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why 2024 Could Be the Best Time to Invest in a Fixed-Indexed Annuity]]>
                </title>
                <pubDate>Sat, 27 Apr 2024 04:06:19 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1729101</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/why-2024-could-be-the-best-time-to-invest-in-a-fixed-indexed-annuity</link>
                                <description>
                                            <![CDATA[<p>Randy explains why this year could be the best time to invest in a Fixed-Indexed Annuity to bolster your retirement portfolio. Plus, 10 little-known facts about retirement in American today.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains why this year could be the best time to invest in a Fixed-Indexed Annuity to bolster your retirement portfolio. Plus, 10 little-known facts about retirement in American today.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Why 2024 Could Be the Best Time to Invest in a Fixed-Indexed Annuity]]>
                </itunes:title>
                                    <itunes:episode>65</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains why this year could be the best time to invest in a Fixed-Indexed Annuity to bolster your retirement portfolio. Plus, 10 little-known facts about retirement in American today.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1729101/c1e-1rr3rijj9ppa17245-qxj1k45vsn3z-7gmb5s.mp3" length="79216927"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains why this year could be the best time to invest in a Fixed-Indexed Annuity to bolster your retirement portfolio. Plus, 10 little-known facts about retirement in American today.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Updated Online Budgeting Trends - Interview with Robin Growley]]>
                </title>
                <pubDate>Tue, 23 Apr 2024 21:09:14 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1727054</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/updated-online-budgeting-trends-interview-with-robin-growley-4</link>
                                <description>
                                            <![CDATA[<p>In this bonus interview from Retirement.Radio's Matt McClure, we talk with Robin Growley - Head of Consumer Deposits at Bank of America. The two discuss some new online budgeting trends Robin has been tracking and offer advice on how listeners can navigate them.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this bonus interview from Retirement.Radio's Matt McClure, we talk with Robin Growley - Head of Consumer Deposits at Bank of America. The two discuss some new online budgeting trends Robin has been tracking and offer advice on how listeners can navigate them.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Updated Online Budgeting Trends - Interview with Robin Growley]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this bonus interview from Retirement.Radio's Matt McClure, we talk with Robin Growley - Head of Consumer Deposits at Bank of America. The two discuss some new online budgeting trends Robin has been tracking and offer advice on how listeners can navigate them.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1727054/c1e-r2292fjzgdrs2x13k-zo5px6mocvd9-q4u3zw.mp3" length="4461221"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this bonus interview from Retirement.Radio's Matt McClure, we talk with Robin Growley - Head of Consumer Deposits at Bank of America. The two discuss some new online budgeting trends Robin has been tracking and offer advice on how listeners can navigate them.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:05:51</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Biggest Retirement Mistakes You Want to Avoid]]>
                </title>
                <pubDate>Fri, 19 Apr 2024 23:34:44 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1724788</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-biggest-retirement-mistakes-you-want-to-avoid</link>
                                <description>
                                            <![CDATA[<p>On this week’s edition of Your American Retirement, Randy calls attention to the three financial moves one should make if they’re in their 50s. Plus, a need-to-know Social Security update for 2024 that could drastically affect your retirement.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy calls attention to the three financial moves one should make if they’re in their 50s. Plus, a need-to-know Social Security update for 2024 that could drastically affect your retirement.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[The Biggest Retirement Mistakes You Want to Avoid]]>
                </itunes:title>
                                    <itunes:episode>64</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s edition of Your American Retirement, Randy calls attention to the three financial moves one should make if they’re in their 50s. Plus, a need-to-know Social Security update for 2024 that could drastically affect your retirement.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1724788/c1e-z4484sm86j8bn28qv-mq8jm47jt7q-mzbbbl.mp3" length="79216927"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy calls attention to the three financial moves one should make if they’re in their 50s. Plus, a need-to-know Social Security update for 2024 that could drastically affect your retirement.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Helping You Build a Roadmap for Your Retirement]]>
                </title>
                <pubDate>Fri, 12 Apr 2024 22:49:05 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1719096</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/helping-you-build-a-roadmap-for-your-retirement</link>
                                <description>
                                            <![CDATA[<p>On this week’s show, Randy explains the six key tasks investors should complete when preparing for retirement. Plus, he discusses the meaning of “Peak 65” and how it can affect Social Security in 2024.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy explains the six key tasks investors should complete when preparing for retirement. Plus, he discusses the meaning of “Peak 65” and how it can affect Social Security in 2024.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Helping You Build a Roadmap for Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>63</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s show, Randy explains the six key tasks investors should complete when preparing for retirement. Plus, he discusses the meaning of “Peak 65” and how it can affect Social Security in 2024.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1719096/c1e-3xxrxu5jngrh6x486-k5m429gxb0wr-zddzwx.mp3" length="79216933"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy explains the six key tasks investors should complete when preparing for retirement. Plus, he discusses the meaning of “Peak 65” and how it can affect Social Security in 2024.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[What America’s Seniors Love (and Regret) About Retirement]]>
                </title>
                <pubDate>Fri, 05 Apr 2024 22:39:39 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1713381</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/what-americas-seniors-love-and-regret-about-retirement</link>
                                <description>
                                            <![CDATA[<p>On this week’s show, Randy shares tax reminders for retirees, the 3 phases of retirement, and an update on the U.S. National Debt.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy shares tax reminders for retirees, the 3 phases of retirement, and an update on the U.S. National Debt.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[What America’s Seniors Love (and Regret) About Retirement]]>
                </itunes:title>
                                    <itunes:episode>62</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s show, Randy shares tax reminders for retirees, the 3 phases of retirement, and an update on the U.S. National Debt.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1713381/c1e-7rrgri42okjc290qk-gd4kzpr8iwj-tewiah.mp3" length="79216926"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy shares tax reminders for retirees, the 3 phases of retirement, and an update on the U.S. National Debt.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Navigate the Biggest Challenges in Retirement]]>
                </title>
                <pubDate>Fri, 29 Mar 2024 22:09:31 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1709153</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-navigate-the-biggest-challenges-in-retirement</link>
                                <description>
                                            <![CDATA[<p>On this week’s show, Randy breaks down the common mistakes made by retirees that damage their financial health. Plus, he discusses the seven financial headwinds for American pre-retirees, and retirees.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy breaks down the common mistakes made by retirees that damage their financial health. Plus, he discusses the seven financial headwinds for American pre-retirees, and retirees.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Navigate the Biggest Challenges in Retirement]]>
                </itunes:title>
                                    <itunes:episode>60</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s show, Randy breaks down the common mistakes made by retirees that damage their financial health. Plus, he discusses the seven financial headwinds for American pre-retirees, and retirees.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1709153/c1e-n1171s51gdpbo0vd7-nj9pj566c93r-ssthnq.mp3" length="79216927"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy breaks down the common mistakes made by retirees that damage their financial health. Plus, he discusses the seven financial headwinds for American pre-retirees, and retirees.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Important Social Security Decisions for Married Couples]]>
                </title>
                <pubDate>Wed, 27 Mar 2024 21:47:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1706664</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/important-social-security-decisions-for-married-couples-2</link>
                                <description>
                                            <![CDATA[<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[For More Information: Visit YourAmericanRetirement.com
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Important Social Security Decisions for Married Couples]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1706664/c1e-533n3umgdwrcq4k2g-8m7727q6fvkn-6fgjd2.mp3" length="3080853"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[For More Information: Visit YourAmericanRetirement.com
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:01:36</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Spring Cleaning for Your Finances: How to Improve Your Retirement]]>
                </title>
                <pubDate>Fri, 22 Mar 2024 21:52:25 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1695702</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/spring-cleaning-for-your-finances-how-to-improve-your-retirement-plan</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy discusses the outlook of Social Security within the next decade. Plus, Randy shares 7 money moves to make this spring in order to feel better about your financial future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy discusses the outlook of Social Security within the next decade. Plus, Randy shares 7 money moves to make this spring in order to feel better about your financial future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Spring Cleaning for Your Finances: How to Improve Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>59</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy discusses the outlook of Social Security within the next decade. Plus, Randy shares 7 money moves to make this spring in order to feel better about your financial future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Contact Randy Sams &amp; SMMG Financial at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1695702/c1e-vwwmwu9nz37c39647-mq3n2v06cqr4-d7g7ht.mp3" length="79216351"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy discusses the outlook of Social Security within the next decade. Plus, Randy shares 7 money moves to make this spring in order to feel better about your financial future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Contact Randy Sams & SMMG Financial at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Is America Ready for Retirement?]]>
                </title>
                <pubDate>Fri, 15 Mar 2024 22:23:13 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1689510</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/is-america-ready-for-retirement</link>
                                <description>
                                            <![CDATA[<p>On this episode, Randy shares seven alarming retirement statistics that will motivate you to start planning for your future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode, Randy shares seven alarming retirement statistics that will motivate you to start planning for your future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Is America Ready for Retirement?]]>
                </itunes:title>
                                    <itunes:episode>58</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode, Randy shares seven alarming retirement statistics that will motivate you to start planning for your future.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1689510/c1e-q1131s2z24dhno9n6-o8rv5wwxip2v-pfnnzt.mp3" length="79216935"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode, Randy shares seven alarming retirement statistics that will motivate you to start planning for your future.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Healthcare for Heroes: Options & Benefits for Veterans]]>
                </title>
                <pubDate>Wed, 06 Mar 2024 23:59:14 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1681861</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/healthcare-for-heroes-options-benefits-for-veterans-2</link>
                                <description>
                                            <![CDATA[<p>The Department of Veterans Affairs is announcing that all Veterans who were exposed to toxins and other hazards while serving in the military will be eligible to enroll directly in VA health care on March 5, 2024.</p>
<p>This means that Veterans who were exposed to burn pits, Agent Orange, herbicides, chemicals, nuclear weapons, or other toxins while serving in the military – at home or abroad – will be able to enroll directly in VA health care without first applying for VA benefits.</p>
<p>Retirement.Radio’s Matt McClure speaks with Dr. Shereef Elnahal, Undersecretary for Health at the VA, to find out more about how these veterans can get the help they need.</p>
<p>For More Information: <a href="https://Youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[The Department of Veterans Affairs is announcing that all Veterans who were exposed to toxins and other hazards while serving in the military will be eligible to enroll directly in VA health care on March 5, 2024.
This means that Veterans who were exposed to burn pits, Agent Orange, herbicides, chemicals, nuclear weapons, or other toxins while serving in the military – at home or abroad – will be able to enroll directly in VA health care without first applying for VA benefits.
Retirement.Radio’s Matt McClure speaks with Dr. Shereef Elnahal, Undersecretary for Health at the VA, to find out more about how these veterans can get the help they need.
For More Information: YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Healthcare for Heroes: Options & Benefits for Veterans]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>The Department of Veterans Affairs is announcing that all Veterans who were exposed to toxins and other hazards while serving in the military will be eligible to enroll directly in VA health care on March 5, 2024.</p>
<p>This means that Veterans who were exposed to burn pits, Agent Orange, herbicides, chemicals, nuclear weapons, or other toxins while serving in the military – at home or abroad – will be able to enroll directly in VA health care without first applying for VA benefits.</p>
<p>Retirement.Radio’s Matt McClure speaks with Dr. Shereef Elnahal, Undersecretary for Health at the VA, to find out more about how these veterans can get the help they need.</p>
<p>For More Information: <a href="https://Youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1681861/c1e-533n3umn69xb0qr02-mq3vkg06i682-ns07pb.mp3" length="4342795"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[The Department of Veterans Affairs is announcing that all Veterans who were exposed to toxins and other hazards while serving in the military will be eligible to enroll directly in VA health care on March 5, 2024.
This means that Veterans who were exposed to burn pits, Agent Orange, herbicides, chemicals, nuclear weapons, or other toxins while serving in the military – at home or abroad – will be able to enroll directly in VA health care without first applying for VA benefits.
Retirement.Radio’s Matt McClure speaks with Dr. Shereef Elnahal, Undersecretary for Health at the VA, to find out more about how these veterans can get the help they need.
For More Information: YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:06:17</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Making Sense of Medicare]]>
                </title>
                <pubDate>Wed, 28 Feb 2024 22:26:17 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1675289</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/making-sense-of-medicare-1</link>
                                <description>
                                            <![CDATA[<p>Medicare can be incredibly confusing, but the good news is that there are people available to help. State Health Insurance Assistance Programs (SHIPs) provide unbiased, free help for those who want to better understand their options. Retirement.Radio’s Matt McClure speaks with Rebecca Kinney of the Administration for Community Living to find out what SHIPs are and how they work.</p>
<p>For More Information: <a href="https://Youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Medicare can be incredibly confusing, but the good news is that there are people available to help. State Health Insurance Assistance Programs (SHIPs) provide unbiased, free help for those who want to better understand their options. Retirement.Radio’s Matt McClure speaks with Rebecca Kinney of the Administration for Community Living to find out what SHIPs are and how they work.
For More Information: YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Making Sense of Medicare]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Medicare can be incredibly confusing, but the good news is that there are people available to help. State Health Insurance Assistance Programs (SHIPs) provide unbiased, free help for those who want to better understand their options. Retirement.Radio’s Matt McClure speaks with Rebecca Kinney of the Administration for Community Living to find out what SHIPs are and how they work.</p>
<p>For More Information: <a href="https://Youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1675289/c1e-pwwowu5p9n6sm2rnw-mq367xq8ap0r-hok6xo.mp3" length="4113907"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Medicare can be incredibly confusing, but the good news is that there are people available to help. State Health Insurance Assistance Programs (SHIPs) provide unbiased, free help for those who want to better understand their options. Retirement.Radio’s Matt McClure speaks with Rebecca Kinney of the Administration for Community Living to find out what SHIPs are and how they work.
For More Information: YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:05:45</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Build a “Results in Advance” Plan for Your Retirement]]>
                </title>
                <pubDate>Sat, 17 Feb 2024 00:12:13 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1663927</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-build-a-results-in-advance-plan-for-your-retirement</link>
                                <description>
                                            <![CDATA[<p>Randy explains how he can help you build a “Results in Advance” plan for your retirement. Plus, he outlines five reasons to consider a Roth IRA, and breaks down the expense ratio formula to help you learn how much you are paying in fees.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains how he can help you build a “Results in Advance” plan for your retirement. Plus, he outlines five reasons to consider a Roth IRA, and breaks down the expense ratio formula to help you learn how much you are paying in fees.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Build a “Results in Advance” Plan for Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>57</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains how he can help you build a “Results in Advance” plan for your retirement. Plus, he outlines five reasons to consider a Roth IRA, and breaks down the expense ratio formula to help you learn how much you are paying in fees.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1663927/c1e-vwwmwu96p05c3963q-92kp1mv3iwdk-wspo2p.mp3" length="79216935"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains how he can help you build a “Results in Advance” plan for your retirement. Plus, he outlines five reasons to consider a Roth IRA, and breaks down the expense ratio formula to help you learn how much you are paying in fees.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[When It Comes to Your Money: Get More in 2024!]]>
                </title>
                <pubDate>Fri, 09 Feb 2024 22:06:19 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1658634</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/when-it-comes-to-your-money-get-more-in-2024</link>
                                <description>
                                            <![CDATA[<p>This week, Randy brings you four ways to boost your retirement savings. Plus, we explain how catch-up contributions could build your nest egg if you are in the “retirement red-zone.”</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[This week, Randy brings you four ways to boost your retirement savings. Plus, we explain how catch-up contributions could build your nest egg if you are in the “retirement red-zone.”
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[When It Comes to Your Money: Get More in 2024!]]>
                </itunes:title>
                                    <itunes:episode>54</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>This week, Randy brings you four ways to boost your retirement savings. Plus, we explain how catch-up contributions could build your nest egg if you are in the “retirement red-zone.”</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1658634/c1e-q1131s4556mano9nk-mq3opg96bp52-dtqjse.mp3" length="79216934"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[This week, Randy brings you four ways to boost your retirement savings. Plus, we explain how catch-up contributions could build your nest egg if you are in the “retirement red-zone.”
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Proper Planning Prevents Poor Performance: Three Steps to Prepare for Retirement]]>
                </title>
                <pubDate>Fri, 26 Jan 2024 17:43:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1643354</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/proper-planning-prevents-poor-performance-three-steps-to-prepare-for-retirement</link>
                                <description>
                                            <![CDATA[<p>Randy equips his listeners with a three-step guide to preparing for retirement. Plus, Randy dispels election year myths and how the upcoming elections may or may not affect your finances.</p>
<p>Plus, Randy points out five financial landmines to avoid if you want your money to be protected but still grow.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy equips his listeners with a three-step guide to preparing for retirement. Plus, Randy dispels election year myths and how the upcoming elections may or may not affect your finances.
Plus, Randy points out five financial landmines to avoid if you want your money to be protected but still grow.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Proper Planning Prevents Poor Performance: Three Steps to Prepare for Retirement]]>
                </itunes:title>
                                    <itunes:episode>55</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy equips his listeners with a three-step guide to preparing for retirement. Plus, Randy dispels election year myths and how the upcoming elections may or may not affect your finances.</p>
<p>Plus, Randy points out five financial landmines to avoid if you want your money to be protected but still grow.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1643354/c1e-80010hxj1rkb4vwjr-k5xo40m4ipow-3nknf7.mp3" length="78886789"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy equips his listeners with a three-step guide to preparing for retirement. Plus, Randy dispels election year myths and how the upcoming elections may or may not affect your finances.
Plus, Randy points out five financial landmines to avoid if you want your money to be protected but still grow.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:46</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Americans Can Improve Their Retirement Plans in 2024]]>
                </title>
                <pubDate>Fri, 19 Jan 2024 22:30:45 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1638151</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-americans-can-improve-their-retirement-plans-in-2024-1</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy discusses why millions of Americans are unprepared for retirement, and highlights the proper process to follow if you want to guarantee a safe retirement for yourself and your family.</p>
<p>Plus, Randy points out five big financial landmines to avoid if you want your money to be protected and still grow.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy discusses why millions of Americans are unprepared for retirement, and highlights the proper process to follow if you want to guarantee a safe retirement for yourself and your family.
Plus, Randy points out five big financial landmines to avoid if you want your money to be protected and still grow.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[How Americans Can Improve Their Retirement Plans in 2024]]>
                </itunes:title>
                                    <itunes:episode>54</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy discusses why millions of Americans are unprepared for retirement, and highlights the proper process to follow if you want to guarantee a safe retirement for yourself and your family.</p>
<p>Plus, Randy points out five big financial landmines to avoid if you want your money to be protected and still grow.</p>
<p>For More Information: Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1638151/c1e-7rrgri3o75vs2902w-o8rjmw73c1m5-9sd9wa.mp3" length="79216359"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy discusses why millions of Americans are unprepared for retirement, and highlights the proper process to follow if you want to guarantee a safe retirement for yourself and your family.
Plus, Randy points out five big financial landmines to avoid if you want your money to be protected and still grow.
For More Information: Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Examining Risk and How It Can Impact Your Retirement]]>
                </title>
                <pubDate>Fri, 05 Jan 2024 23:17:31 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1628041</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/examining-risk-and-how-it-can-impact-your-retirement</link>
                                <description>
                                            <![CDATA[<p>On this first episode of 2024, Randy discusses some goals and resolutions for the new year that could help you significantly improve your finances. Plus, what do retirees fear the most, and what are the three phases of retirement? Randy has the answers you need to hear on this week’s show!</p>
<p>For More Information on Randy Sams and the Show, Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this first episode of 2024, Randy discusses some goals and resolutions for the new year that could help you significantly improve your finances. Plus, what do retirees fear the most, and what are the three phases of retirement? Randy has the answers you need to hear on this week’s show!
For More Information on Randy Sams and the Show, Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Examining Risk and How It Can Impact Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>53</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this first episode of 2024, Randy discusses some goals and resolutions for the new year that could help you significantly improve your finances. Plus, what do retirees fear the most, and what are the three phases of retirement? Randy has the answers you need to hear on this week’s show!</p>
<p>For More Information on Randy Sams and the Show, Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Watch Episode Highlights on our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">YouTube Channel </a></p>
<p>Call Randy Today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1628041/c1e-r2292fz13kxfnxvn8-4981qzgvc5xm-euxrl8.mp3" length="79216934"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this first episode of 2024, Randy discusses some goals and resolutions for the new year that could help you significantly improve your finances. Plus, what do retirees fear the most, and what are the three phases of retirement? Randy has the answers you need to hear on this week’s show!
For More Information on Randy Sams and the Show, Visit YourAmericanRetirement.com
Subscribe to Watch Episode Highlights on our YouTube Channel 
Call Randy Today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Sports and Apparel Companies are Facing a Rough Holiday Season]]>
                </title>
                <pubDate>Thu, 21 Dec 2023 22:20:06 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1620381</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/sports-and-apparel-companies-are-facing-a-rough-holiday-season-3</link>
                                <description>
                                            <![CDATA[<p>The holiday shopping season is typically a time of big sales numbers for retailers, but one industry seeing a big decline as of late is the sporting goods and apparel industry.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[The holiday shopping season is typically a time of big sales numbers for retailers, but one industry seeing a big decline as of late is the sporting goods and apparel industry.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Sports and Apparel Companies are Facing a Rough Holiday Season]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>The holiday shopping season is typically a time of big sales numbers for retailers, but one industry seeing a big decline as of late is the sporting goods and apparel industry.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1620381/c1e-w7727i92rz2bx3w75-04gg8mxwcjjm-wzjiw8.mp3" length="2169327"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[The holiday shopping season is typically a time of big sales numbers for retailers, but one industry seeing a big decline as of late is the sporting goods and apparel industry.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:01:30</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How You Can Leave a Smart Legacy for Your Heirs and Future Generations]]>
                </title>
                <pubDate>Fri, 15 Dec 2023 22:51:01 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1616143</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-you-can-leave-a-smart-legacy-for-your-heirs-and-future-generations</link>
                                <description>
                                            <![CDATA[<p>On this week’s edition of Your American Retirement, Randy discusses the importance of leaving a smart legacy for future family generations. Plus, he explains how smart safe investments work and why annuities could take away a lot of your stress in retirement.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy discusses the importance of leaving a smart legacy for future family generations. Plus, he explains how smart safe investments work and why annuities could take away a lot of your stress in retirement.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[How You Can Leave a Smart Legacy for Your Heirs and Future Generations]]>
                </itunes:title>
                                    <itunes:episode>52</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s edition of Your American Retirement, Randy discusses the importance of leaving a smart legacy for future family generations. Plus, he explains how smart safe investments work and why annuities could take away a lot of your stress in retirement.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1616143/YAR-Podcast-12.15.mp3" length="79216925"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s edition of Your American Retirement, Randy discusses the importance of leaving a smart legacy for future family generations. Plus, he explains how smart safe investments work and why annuities could take away a lot of your stress in retirement.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Build a Smart Retirement Plan for 2024 and Beyond!]]>
                </title>
                <pubDate>Fri, 08 Dec 2023 09:30:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1612752</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-build-a-smart-retirement-plan-for-2024-and-beyond</link>
                                <description>
                                            <![CDATA[<p>Randy explains the statistical likelihood of living until age 90 or greater, and the financial ramifications that come along with such a milestone. Plus, he breaks down eight ways baby boomers could potentially run out of money in retirement.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains the statistical likelihood of living until age 90 or greater, and the financial ramifications that come along with such a milestone. Plus, he breaks down eight ways baby boomers could potentially run out of money in retirement.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Build a Smart Retirement Plan for 2024 and Beyond!]]>
                </itunes:title>
                                    <itunes:episode>51</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains the statistical likelihood of living until age 90 or greater, and the financial ramifications that come along with such a milestone. Plus, he breaks down eight ways baby boomers could potentially run out of money in retirement.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1612752/YAR-Podcast-12.8-FINAL.mp3" length="79216924"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains the statistical likelihood of living until age 90 or greater, and the financial ramifications that come along with such a milestone. Plus, he breaks down eight ways baby boomers could potentially run out of money in retirement.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Inflation is Impacting Americans this Holiday Season]]>
                </title>
                <pubDate>Fri, 17 Nov 2023 23:07:16 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1599190</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-inflation-is-impacting-americans-this-holiday-season</link>
                                <description>
                                            <![CDATA[<p>Randy explains how recent inflation numbers could affect your Thanksgiving holiday. Plus, Americans are living longer and Randy answers the question of how retirees are going to pay for it.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains how recent inflation numbers could affect your Thanksgiving holiday. Plus, Americans are living longer and Randy answers the question of how retirees are going to pay for it.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Inflation is Impacting Americans this Holiday Season]]>
                </itunes:title>
                                    <itunes:episode>50</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains how recent inflation numbers could affect your Thanksgiving holiday. Plus, Americans are living longer and Randy answers the question of how retirees are going to pay for it.</p>
<p>Randy is here to serve as your trusted guide for all things retirement!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1599190/YAR-Podcast-11.17.mp3" length="79216925"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains how recent inflation numbers could affect your Thanksgiving holiday. Plus, Americans are living longer and Randy answers the question of how retirees are going to pay for it.
Randy is here to serve as your trusted guide for all things retirement!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Properly Prepare for Retirement: Don’t Get Left Behind!]]>
                </title>
                <pubDate>Fri, 10 Nov 2023 12:23:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1594406</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-properly-prepare-for-retirement-dont-get-left-behind</link>
                                <description>
                                            <![CDATA[<p>Randy explains why most Americans 65 and older are unprepared for retirement. Plus, we explain the benefits of personal pensions and how you can beat your paycheck with the right retirement income strategies.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains why most Americans 65 and older are unprepared for retirement. Plus, we explain the benefits of personal pensions and how you can beat your paycheck with the right retirement income strategies.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Properly Prepare for Retirement: Don’t Get Left Behind!]]>
                </itunes:title>
                                    <itunes:episode>49</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains why most Americans 65 and older are unprepared for retirement. Plus, we explain the benefits of personal pensions and how you can beat your paycheck with the right retirement income strategies.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1594406/YAR-Podcast-FINAL.mp3" length="78131651"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains why most Americans 65 and older are unprepared for retirement. Plus, we explain the benefits of personal pensions and how you can beat your paycheck with the right retirement income strategies.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:15</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are You in the Retirement Redzone? How to Protect What You Have Saved]]>
                </title>
                <pubDate>Fri, 03 Nov 2023 20:48:40 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1589486</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/are-you-in-the-retirement-redzone-how-to-protect-what-you-have-saved</link>
                                <description>
                                            <![CDATA[<p>As you get closer to retirement, your financial priorities should change. If your golden years are approaching, or if you have recently retired – protecting your hard-earned money from loss is extremely important. More people than ever are worried about outliving their money, so Randy explains what to do to overcome those fears.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[As you get closer to retirement, your financial priorities should change. If your golden years are approaching, or if you have recently retired – protecting your hard-earned money from loss is extremely important. More people than ever are worried about outliving their money, so Randy explains what to do to overcome those fears.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Are You in the Retirement Redzone? How to Protect What You Have Saved]]>
                </itunes:title>
                                    <itunes:episode>48</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>As you get closer to retirement, your financial priorities should change. If your golden years are approaching, or if you have recently retired – protecting your hard-earned money from loss is extremely important. More people than ever are worried about outliving their money, so Randy explains what to do to overcome those fears.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1589486/YAR-Podcast-11.3.mp3" length="79216924"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[As you get closer to retirement, your financial priorities should change. If your golden years are approaching, or if you have recently retired – protecting your hard-earned money from loss is extremely important. More people than ever are worried about outliving their money, so Randy explains what to do to overcome those fears.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Beware Bank CDs: Smart Safe Alternatives to Your Retirement Savings]]>
                </title>
                <pubDate>Fri, 27 Oct 2023 20:50:36 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1585447</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/beware-bank-cds-smart-safe-alternatives-to-your-retirement-savings</link>
                                <description>
                                            <![CDATA[<p>On this week’s Your American Retirement, Randy warns you about Bank CDs and explained how a safe retirement goes through fixed-indexed annuities. Plus, Randy preaches for the need for seniors to protect their buying power.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s Your American Retirement, Randy warns you about Bank CDs and explained how a safe retirement goes through fixed-indexed annuities. Plus, Randy preaches for the need for seniors to protect their buying power.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Beware Bank CDs: Smart Safe Alternatives to Your Retirement Savings]]>
                </itunes:title>
                                    <itunes:episode>47</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s Your American Retirement, Randy warns you about Bank CDs and explained how a safe retirement goes through fixed-indexed annuities. Plus, Randy preaches for the need for seniors to protect their buying power.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1585447/YAR-Podcast-10.27.MP3" length="79216925"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s Your American Retirement, Randy warns you about Bank CDs and explained how a safe retirement goes through fixed-indexed annuities. Plus, Randy preaches for the need for seniors to protect their buying power.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Medicare Tips and Scams to Avoid During the Annual Enrollment Period]]>
                </title>
                <pubDate>Fri, 20 Oct 2023 22:41:30 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1580207</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/medicare-tips-and-scams-to-avoid-during-the-annual-enrollment-period</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy dives deeper into each plan for Medicare and helps listeners understand which elements may be the right fit for them. Plus, we point out common scams surrounding Medicare that you must look out for and avoid.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy dives deeper into each plan for Medicare and helps listeners understand which elements may be the right fit for them. Plus, we point out common scams surrounding Medicare that you must look out for and avoid.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Medicare Tips and Scams to Avoid During the Annual Enrollment Period]]>
                </itunes:title>
                                    <itunes:episode>46</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy dives deeper into each plan for Medicare and helps listeners understand which elements may be the right fit for them. Plus, we point out common scams surrounding Medicare that you must look out for and avoid.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1580207/YAR-Podcast-10.20.mp3" length="79216925"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy dives deeper into each plan for Medicare and helps listeners understand which elements may be the right fit for them. Plus, we point out common scams surrounding Medicare that you must look out for and avoid.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[If You Fail to Plan, You Are Planning to Fail!]]>
                </title>
                <pubDate>Fri, 13 Oct 2023 12:08:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1574527</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/if-you-fail-to-plan-you-are-planning-to-fail-1</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy breaks down Medicare and each individual part to help determine if Medicare is right for your situation. Plus, Randy explains the 4% rule, and how a Fixed Indexed Annuity could help you improve your income during retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy breaks down Medicare and each individual part to help determine if Medicare is right for your situation. Plus, Randy explains the 4% rule, and how a Fixed Indexed Annuity could help you improve your income during retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[If You Fail to Plan, You Are Planning to Fail!]]>
                </itunes:title>
                                    <itunes:episode>46</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy breaks down Medicare and each individual part to help determine if Medicare is right for your situation. Plus, Randy explains the 4% rule, and how a Fixed Indexed Annuity could help you improve your income during retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1574527/YAR-Podcast-10.13.mp3" length="79216925"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy breaks down Medicare and each individual part to help determine if Medicare is right for your situation. Plus, Randy explains the 4% rule, and how a Fixed Indexed Annuity could help you improve your income during retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Stay Ahead of the Medicare Enrollment Period]]>
                </title>
                <pubDate>Fri, 29 Sep 2023 21:45:22 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1565873</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/stay-ahead-of-the-medicare-enrollment-period</link>
                                <description>
                                            <![CDATA[<p>As we approach the annual enrollment period, there are many questions on the minds of Medicare beneficiaries. Are premiums going up? What changes can we expect in coverage? How can you make the best decisions for your healthcare needs in the coming year? Randy has the answers on this week’s edition of Your American Retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[As we approach the annual enrollment period, there are many questions on the minds of Medicare beneficiaries. Are premiums going up? What changes can we expect in coverage? How can you make the best decisions for your healthcare needs in the coming year? Randy has the answers on this week’s edition of Your American Retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[Stay Ahead of the Medicare Enrollment Period]]>
                </itunes:title>
                                    <itunes:episode>45</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>As we approach the annual enrollment period, there are many questions on the minds of Medicare beneficiaries. Are premiums going up? What changes can we expect in coverage? How can you make the best decisions for your healthcare needs in the coming year? Randy has the answers on this week’s edition of Your American Retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1565873/YAR-Podcast-Final-9.29.mp3" length="77398402"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[As we approach the annual enrollment period, there are many questions on the minds of Medicare beneficiaries. Are premiums going up? What changes can we expect in coverage? How can you make the best decisions for your healthcare needs in the coming year? Randy has the answers on this week’s edition of Your American Retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:53:44</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Three Unpleasant Truths About Social Security]]>
                </title>
                <pubDate>Fri, 22 Sep 2023 20:54:09 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1561320</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/three-unpleasant-truths-about-social-security</link>
                                <description>
                                            <![CDATA[<p>In this week’s episode of Your American Retirement, Randy details how the Social Security trust fund is being diminished and how you can stay ahead of the possible impoverished Social Security funds. Plus, Randy outlines three unpleasant truths about Social Security</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy details how the Social Security trust fund is being diminished and how you can stay ahead of the possible impoverished Social Security funds. Plus, Randy outlines three unpleasant truths about Social Security
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Three Unpleasant Truths About Social Security]]>
                </itunes:title>
                                    <itunes:episode>44</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this week’s episode of Your American Retirement, Randy details how the Social Security trust fund is being diminished and how you can stay ahead of the possible impoverished Social Security funds. Plus, Randy outlines three unpleasant truths about Social Security</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1561320/YAR-Podcast-Final-9.22-1-.mp3" length="73932034"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy details how the Social Security trust fund is being diminished and how you can stay ahead of the possible impoverished Social Security funds. Plus, Randy outlines three unpleasant truths about Social Security
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:51:20</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Sequence of Returns Risk has Ruined Millions of American Retirements]]>
                </title>
                <pubDate>Fri, 08 Sep 2023 22:30:17 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1552619</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-sequence-of-returns-risk-has-ruined-millions-of-american-retirements</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains how to protect your retirement from sequence of returns risk. Plus, he shares some Social Security tips to help you make the most of your golden years.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains how to protect your retirement from sequence of returns risk. Plus, he shares some Social Security tips to help you make the most of your golden years.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Sequence of Returns Risk has Ruined Millions of American Retirements]]>
                </itunes:title>
                                    <itunes:episode>43</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains how to protect your retirement from sequence of returns risk. Plus, he shares some Social Security tips to help you make the most of your golden years.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1552619/YAR-Podcast-9.8.mp3" length="79216923"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains how to protect your retirement from sequence of returns risk. Plus, he shares some Social Security tips to help you make the most of your golden years.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Protect Your Money with MYGAs: Multi-Year Guaranteed ]]>
                </title>
                <pubDate>Fri, 01 Sep 2023 17:19:31 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1548097</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/protect-your-money-with-mygas-multi-year-guaranteed-annuities-1</link>
                                <description>
                                            <![CDATA[<p>In this week’s episode of Your American Retirement, Randy breaks down important financial terms one should understand to solidify their financial standing. Plus, we explain the benefits of having a MYGA, and how to properly use a MYGA to protect your safe money.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy breaks down important financial terms one should understand to solidify their financial standing. Plus, we explain the benefits of having a MYGA, and how to properly use a MYGA to protect your safe money.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Protect Your Money with MYGAs: Multi-Year Guaranteed ]]>
                </itunes:title>
                                    <itunes:episode>42</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this week’s episode of Your American Retirement, Randy breaks down important financial terms one should understand to solidify their financial standing. Plus, we explain the benefits of having a MYGA, and how to properly use a MYGA to protect your safe money.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1548097/YAR-Podcast-9.1.mp3" length="79216923"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy breaks down important financial terms one should understand to solidify their financial standing. Plus, we explain the benefits of having a MYGA, and how to properly use a MYGA to protect your safe money.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Why You Need a Tactical Approach for Retirement Today]]>
                </title>
                <pubDate>Fri, 18 Aug 2023 20:41:46 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1539737</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/why-you-need-a-tactical-approach-for-retirement-today</link>
                                <description>
                                            <![CDATA[<p>Randy discusses proper timing for turning-on your Social Security benefits, and why the Social Security program is in trouble. Plus, we outline the seven reasons to consider a tactical approach for your retirement savings.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy discusses proper timing for turning-on your Social Security benefits, and why the Social Security program is in trouble. Plus, we outline the seven reasons to consider a tactical approach for your retirement savings.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Why You Need a Tactical Approach for Retirement Today]]>
                </itunes:title>
                                    <itunes:episode>41</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy discusses proper timing for turning-on your Social Security benefits, and why the Social Security program is in trouble. Plus, we outline the seven reasons to consider a tactical approach for your retirement savings.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1539737/YAR-Podcast-8.18.mp3" length="79216906"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy discusses proper timing for turning-on your Social Security benefits, and why the Social Security program is in trouble. Plus, we outline the seven reasons to consider a tactical approach for your retirement savings.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Practical Tips to Save on Energy Costs - Retirement.Radio Network Cost-Cutters]]>
                </title>
                <pubDate>Thu, 17 Aug 2023 19:02:12 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1538913</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/practical-tips-to-save-on-energy-costs-retirementradio-network-cost-cutters-2</link>
                                <description>
                                            <![CDATA[<p>Explore <em class="TNT2l AStapd">energy</em>-<em class="TNT2l AStapd">saving tips</em> for every budget, and learn solutions that go beyond the basics. Tune-in for <em class="TNT2l AStapd">ways to reduce</em> your electric <em class="TNT2l AStapd">bill</em> beyond switching off lights and taking shorter showers. </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Explore energy-saving tips for every budget, and learn solutions that go beyond the basics. Tune-in for ways to reduce your electric bill beyond switching off lights and taking shorter showers. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Practical Tips to Save on Energy Costs - Retirement.Radio Network Cost-Cutters]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Explore <em class="TNT2l AStapd">energy</em>-<em class="TNT2l AStapd">saving tips</em> for every budget, and learn solutions that go beyond the basics. Tune-in for <em class="TNT2l AStapd">ways to reduce</em> your electric <em class="TNT2l AStapd">bill</em> beyond switching off lights and taking shorter showers. </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1538913/Vignette-Cost-Cutter-16-Reduce-Energy-Costs.mp3" length="2422342"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Explore energy-saving tips for every budget, and learn solutions that go beyond the basics. Tune-in for ways to reduce your electric bill beyond switching off lights and taking shorter showers. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:01:40</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Randy Can Make Your Retirement Dreams Come True]]>
                </title>
                <pubDate>Fri, 11 Aug 2023 21:45:35 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1535727</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-randy-can-make-your-retirement-dreams-come-true-1</link>
                                <description>
                                            <![CDATA[<p>Randy outlines the most expensive budget items for retirees today. Plus, does the 4% rule still work during times of high inflation? Randy shares his thoughts on this week’s show.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy outlines the most expensive budget items for retirees today. Plus, does the 4% rule still work during times of high inflation? Randy shares his thoughts on this week’s show.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Randy Can Make Your Retirement Dreams Come True]]>
                </itunes:title>
                                    <itunes:episode>40</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy outlines the most expensive budget items for retirees today. Plus, does the 4% rule still work during times of high inflation? Randy shares his thoughts on this week’s show.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1535727/YAR-Full-Podcast-8.11.mp3" length="78478915"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy outlines the most expensive budget items for retirees today. Plus, does the 4% rule still work during times of high inflation? Randy shares his thoughts on this week’s show.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:29</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Harsh Realities for the Next Generation of Retirees ]]>
                </title>
                <pubDate>Fri, 04 Aug 2023 21:55:17 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1529478</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-randy-can-make-your-retirement-dreams-come-true</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the harsh realities members of Generation X face in retirement. Plus, can one retire successfully with $750,000?</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the harsh realities members of Generation X face in retirement. Plus, can one retire successfully with $750,000?
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Harsh Realities for the Next Generation of Retirees ]]>
                </itunes:title>
                                    <itunes:episode>39</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the harsh realities members of Generation X face in retirement. Plus, can one retire successfully with $750,000?</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Subscribe to Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1529478/YAR-Full-Podcast-8.4.mp3" length="79216923"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the harsh realities members of Generation X face in retirement. Plus, can one retire successfully with $750,000?
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Subscribe to Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Randy Can Help Make Your Retirement Dreams Come True]]>
                </title>
                <pubDate>Fri, 28 Jul 2023 20:17:50 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1525091</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-randy-can-help-make-your-retirement-dreams-come-true</link>
                                <description>
                                            <![CDATA[<p>In this week’s episode of Your American Retirement, Randy goes into the latest updates of state-by-state inflation and how that affects the timing of claiming social security. Plus, Randy details information on Inherited IRAs.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy goes into the latest updates of state-by-state inflation and how that affects the timing of claiming social security. Plus, Randy details information on Inherited IRAs.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Randy Can Help Make Your Retirement Dreams Come True]]>
                </itunes:title>
                                    <itunes:episode>38</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this week’s episode of Your American Retirement, Randy goes into the latest updates of state-by-state inflation and how that affects the timing of claiming social security. Plus, Randy details information on Inherited IRAs.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1525091/YAR-Podcast-7.28.mp3" length="79216924"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy goes into the latest updates of state-by-state inflation and how that affects the timing of claiming social security. Plus, Randy details information on Inherited IRAs.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Strong is Your Retirement Plan?]]>
                </title>
                <pubDate>Fri, 21 Jul 2023 20:38:04 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1521300</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-strong-is-your-retirement-plan</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the 4% rule and how it could help you protect your retirement savings. Plus, Randy draws a roadmap for starting your own personal pension plan.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the 4% rule and how it could help you protect your retirement savings. Plus, Randy draws a roadmap for starting your own personal pension plan.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Strong is Your Retirement Plan?]]>
                </itunes:title>
                                    <itunes:episode>37</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the 4% rule and how it could help you protect your retirement savings. Plus, Randy draws a roadmap for starting your own personal pension plan.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1521300/YAR-7.21-Podcast.mp3" length="79216924"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the 4% rule and how it could help you protect your retirement savings. Plus, Randy draws a roadmap for starting your own personal pension plan.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Are You in the Retirement Redzone?]]>
                </title>
                <pubDate>Fri, 14 Jul 2023 21:16:32 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1517762</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/are-you-in-the-retirement-redzone-1</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy details the silver lining to retirement planning, plus, what are the two big mistakes people make in retirement? Randy explains it all in this show.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy details the silver lining to retirement planning, plus, what are the two big mistakes people make in retirement? Randy explains it all in this show.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Are You in the Retirement Redzone?]]>
                </itunes:title>
                                    <itunes:episode>36</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy details the silver lining to retirement planning, plus, what are the two big mistakes people make in retirement? Randy explains it all in this show.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1517762/YAR-Podcast-7.14.mp3" length="79216348"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy details the silver lining to retirement planning, plus, what are the two big mistakes people make in retirement? Randy explains it all in this show.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing Strategies for Your Retirement]]>
                </title>
                <pubDate>Fri, 30 Jun 2023 18:53:19 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1508745</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/investing-strategies-for-your-retirement</link>
                                <description>
                                            <![CDATA[<p>In this week’s episode of Your American Retirement, Randy goes through the five financial rules Warren Buffett follows for a solid financial life. Plus, why are 1 in 5 baby boomers delaying retirement, and are American’s doubting retirement plans?</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy goes through the five financial rules Warren Buffett follows for a solid financial life. Plus, why are 1 in 5 baby boomers delaying retirement, and are American’s doubting retirement plans?
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Investing Strategies for Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>35</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this week’s episode of Your American Retirement, Randy goes through the five financial rules Warren Buffett follows for a solid financial life. Plus, why are 1 in 5 baby boomers delaying retirement, and are American’s doubting retirement plans?</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1508745/YAR-Podcast-6.30.mp3" length="79215772"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this week’s episode of Your American Retirement, Randy goes through the five financial rules Warren Buffett follows for a solid financial life. Plus, why are 1 in 5 baby boomers delaying retirement, and are American’s doubting retirement plans?
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Which Type of Retirement Income Plan is Right for You?]]>
                </title>
                <pubDate>Fri, 16 Jun 2023 22:02:53 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1498163</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/which-type-of-retirement-income-plan-is-right-for-you</link>
                                <description>
                                            <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the different types of annuities and which one may be right for your retirement income plan. Plus, we open the listener mailbag to answer your questions about Social Security, inflation and more!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the different types of annuities and which one may be right for your retirement income plan. Plus, we open the listener mailbag to answer your questions about Social Security, inflation and more!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Which Type of Retirement Income Plan is Right for You?]]>
                </itunes:title>
                                    <itunes:episode>34</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s episode of Your American Retirement, Randy explains the different types of annuities and which one may be right for your retirement income plan. Plus, we open the listener mailbag to answer your questions about Social Security, inflation and more!</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1498163/YAR-Podcast-6.16.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy explains the different types of annuities and which one may be right for your retirement income plan. Plus, we open the listener mailbag to answer your questions about Social Security, inflation and more!
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[What You Need to Learn During Annuity Awareness Month]]>
                </title>
                <pubDate>Fri, 09 Jun 2023 22:03:08 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1494017</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/what-you-need-to-learn-during-annuity-awareness-month</link>
                                <description>
                                            <![CDATA[<p>Randy dives deep into the world of annuities, a financial tool that has gained significant attention in recent years. This week serves as your comprehensive guide to understanding annuities, their benefits and how they work. Randy breaks down the different types of annuities available, as well as the potential rewards associated with these investment products.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy dives deep into the world of annuities, a financial tool that has gained significant attention in recent years. This week serves as your comprehensive guide to understanding annuities, their benefits and how they work. Randy breaks down the different types of annuities available, as well as the potential rewards associated with these investment products.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[What You Need to Learn During Annuity Awareness Month]]>
                </itunes:title>
                                    <itunes:episode>33</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy dives deep into the world of annuities, a financial tool that has gained significant attention in recent years. This week serves as your comprehensive guide to understanding annuities, their benefits and how they work. Randy breaks down the different types of annuities available, as well as the potential rewards associated with these investment products.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1494017/YAR-Podcast-6.9.mp3" length="79210587"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy dives deep into the world of annuities, a financial tool that has gained significant attention in recent years. This week serves as your comprehensive guide to understanding annuities, their benefits and how they work. Randy breaks down the different types of annuities available, as well as the potential rewards associated with these investment products.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA["Ways to Save on Energy Bills" | Retirement.Radio Network Short]]>
                </title>
                <pubDate>Wed, 07 Jun 2023 20:44:48 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1492682</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/ways-to-save-on-energy-bills-retirementradio-network-short</link>
                                <description>
                                            <![CDATA[<p>In recent years, appliance manufacturers have put more emphasis on creating products that use<br />less water and energy than older appliances. These energy-efficient appliances can save you<br />money on your utility bills, so consider replacing old appliances with newer models.</p>
<p>Alternatively, you can look for lower-cost ways to reduce your utility expenses, such as taking<br />shorter showers or washing your clothes in cold water. You can also lower energy costs by<br />covering outlets and regularly replacing your air filter. This will put less stress on your heating and<br />cooling systems and potentially lower your energy bills.</p>
<p>Produced by Matt McClure </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In recent years, appliance manufacturers have put more emphasis on creating products that useless water and energy than older appliances. These energy-efficient appliances can save youmoney on your utility bills, so consider replacing old appliances with newer models.
Alternatively, you can look for lower-cost ways to reduce your utility expenses, such as takingshorter showers or washing your clothes in cold water. You can also lower energy costs bycovering outlets and regularly replacing your air filter. This will put less stress on your heating andcooling systems and potentially lower your energy bills.
Produced by Matt McClure 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA["Ways to Save on Energy Bills" | Retirement.Radio Network Short]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In recent years, appliance manufacturers have put more emphasis on creating products that use<br />less water and energy than older appliances. These energy-efficient appliances can save you<br />money on your utility bills, so consider replacing old appliances with newer models.</p>
<p>Alternatively, you can look for lower-cost ways to reduce your utility expenses, such as taking<br />shorter showers or washing your clothes in cold water. You can also lower energy costs by<br />covering outlets and regularly replacing your air filter. This will put less stress on your heating and<br />cooling systems and potentially lower your energy bills.</p>
<p>Produced by Matt McClure </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1492682/Vignette-Cost-Cutter-16-Reduce-Energy-Costs.mp3" length="2422342"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In recent years, appliance manufacturers have put more emphasis on creating products that useless water and energy than older appliances. These energy-efficient appliances can save youmoney on your utility bills, so consider replacing old appliances with newer models.
Alternatively, you can look for lower-cost ways to reduce your utility expenses, such as takingshorter showers or washing your clothes in cold water. You can also lower energy costs bycovering outlets and regularly replacing your air filter. This will put less stress on your heating andcooling systems and potentially lower your energy bills.
Produced by Matt McClure 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:01:40</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Make Sure Your Money Lasts a Lifetime]]>
                </title>
                <pubDate>Thu, 01 Jun 2023 21:34:42 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1489294</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-make-sure-your-money-lasts-a-lifetime</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy shares how you can make your retirement savings last throughout your lifetime. He also explains how annuities can play an important role in the financial plan for you and your family.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy shares how you can make your retirement savings last throughout your lifetime. He also explains how annuities can play an important role in the financial plan for you and your family.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Make Sure Your Money Lasts a Lifetime]]>
                </itunes:title>
                                    <itunes:episode>32</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy shares how you can make your retirement savings last throughout your lifetime. He also explains how annuities can play an important role in the financial plan for you and your family.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1489294/YAR-Podcast-5.26.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy shares how you can make your retirement savings last throughout your lifetime. He also explains how annuities can play an important role in the financial plan for you and your family.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA["Is Now the Time to Refinance Your Mortgage?" | Retirement.Radio Network Short]]>
                </title>
                <pubDate>Thu, 25 May 2023 15:01:02 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1485317</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/is-now-the-time-to-refinance-your-mortgage-retirementradio-network-weekly-vignette-series-5</link>
                                <description>
                                            <![CDATA[<p>Produced by Matt McClure</p>
<p>In rare situations, refinancing could be a good idea for people to save on their monthly payments… even in today’s high interest rate environment. That’s the topic of this week’s Cost Cutter vignette</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Produced by Matt McClure
In rare situations, refinancing could be a good idea for people to save on their monthly payments… even in today’s high interest rate environment. That’s the topic of this week’s Cost Cutter vignette
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA["Is Now the Time to Refinance Your Mortgage?" | Retirement.Radio Network Short]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Produced by Matt McClure</p>
<p>In rare situations, refinancing could be a good idea for people to save on their monthly payments… even in today’s high interest rate environment. That’s the topic of this week’s Cost Cutter vignette</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1485317/Vignette-Cost-Cutter-14-Refinance-Your-Mortgage.mp3" length="1506739"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Produced by Matt McClure
In rare situations, refinancing could be a good idea for people to save on their monthly payments… even in today’s high interest rate environment. That’s the topic of this week’s Cost Cutter vignette
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:01:33</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Start Planning for a Successful Retirement]]>
                </title>
                <pubDate>Fri, 19 May 2023 16:52:32 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1482445</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-start-planning-for-a-successful-retirement</link>
                                <description>
                                            <![CDATA[<p>Randy dives deep into the essential steps you need to take to start planning for retirement. In this episode, he shares practical tips to help you navigate this crucial phase of your financial journey. </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy dives deep into the essential steps you need to take to start planning for retirement. In this episode, he shares practical tips to help you navigate this crucial phase of your financial journey. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[How to Start Planning for a Successful Retirement]]>
                </itunes:title>
                                    <itunes:episode>31</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy dives deep into the essential steps you need to take to start planning for retirement. In this episode, he shares practical tips to help you navigate this crucial phase of your financial journey. </p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1482445/YAR-Full-Podcast-5.19.mp3" length="80650582"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy dives deep into the essential steps you need to take to start planning for retirement. In this episode, he shares practical tips to help you navigate this crucial phase of your financial journey. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:56:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Remove the IRS and Government Volatility from Your Retirement Plan]]>
                </title>
                <pubDate>Fri, 12 May 2023 17:13:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1477872</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-remove-the-irs-and-government-volatility-from-your-retirement-plan-1</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy goes through the five steps to master your cash flow and set yourself up for a successful retirement. Plus, Randy outlines three reasons why you should be concerned about the national debt.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy goes through the five steps to master your cash flow and set yourself up for a successful retirement. Plus, Randy outlines three reasons why you should be concerned about the national debt.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Remove the IRS and Government Volatility from Your Retirement Plan]]>
                </itunes:title>
                                    <itunes:episode>30</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy goes through the five steps to master your cash flow and set yourself up for a successful retirement. Plus, Randy outlines three reasons why you should be concerned about the national debt.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1477872/YAR-Full-Podcast-5.12.mp3" length="76783208"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy goes through the five steps to master your cash flow and set yourself up for a successful retirement. Plus, Randy outlines three reasons why you should be concerned about the national debt.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:53:18</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Set-up a Personal Pension and Live Comfortably During Retirement]]>
                </title>
                <pubDate>Fri, 07 Apr 2023 13:20:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1457231</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-set-up-a-personal-pension-and-live-comfortably-during-retirement</link>
                                <description>
                                            <![CDATA[<p>In this episode of Your American Retirement, Randy explains the nine ways to live comfortably during your retirement. Plus, he shares a couple stories – a parable about annuities, and a personal story about a message he received from a listener who recently booked a consultation with him.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this episode of Your American Retirement, Randy explains the nine ways to live comfortably during your retirement. Plus, he shares a couple stories – a parable about annuities, and a personal story about a message he received from a listener who recently booked a consultation with him.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Set-up a Personal Pension and Live Comfortably During Retirement]]>
                </itunes:title>
                                    <itunes:episode>29</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this episode of Your American Retirement, Randy explains the nine ways to live comfortably during your retirement. Plus, he shares a couple stories – a parable about annuities, and a personal story about a message he received from a listener who recently booked a consultation with him.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1457231/YAR-Full-Show-4.7.mp3" length="79210575"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this episode of Your American Retirement, Randy explains the nine ways to live comfortably during your retirement. Plus, he shares a couple stories – a parable about annuities, and a personal story about a message he received from a listener who recently booked a consultation with him.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Will Social Security Be Around When You Retire?]]>
                </title>
                <pubDate>Fri, 24 Mar 2023 19:54:41 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1443782</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/will-social-security-be-around-when-you-retire-2</link>
                                <description>
                                            <![CDATA[<p>Recent turmoil in the banking industry has a lot of people concerned. If that’s you, don’t miss this show! Randy shares safe money strategies that protect your investment 100%. Plus, will Social Security be around when you retire? Randy Sams explains how to build a retirement income plan for whatever comes your way.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Recent turmoil in the banking industry has a lot of people concerned. If that’s you, don’t miss this show! Randy shares safe money strategies that protect your investment 100%. Plus, will Social Security be around when you retire? Randy Sams explains how to build a retirement income plan for whatever comes your way.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Will Social Security Be Around When You Retire?]]>
                </itunes:title>
                                    <itunes:episode>28</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Recent turmoil in the banking industry has a lot of people concerned. If that’s you, don’t miss this show! Randy shares safe money strategies that protect your investment 100%. Plus, will Social Security be around when you retire? Randy Sams explains how to build a retirement income plan for whatever comes your way.</p>
<p>For More Information on Randy and the Show, Please Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1443782/YAR-Full-Show-3.24.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Recent turmoil in the banking industry has a lot of people concerned. If that’s you, don’t miss this show! Randy shares safe money strategies that protect your investment 100%. Plus, will Social Security be around when you retire? Randy Sams explains how to build a retirement income plan for whatever comes your way.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[What Really Happened During the Silicon Valley Bank Collapse | Inteview with Rohan Ganduri]]>
                </title>
                <pubDate>Wed, 22 Mar 2023 15:04:04 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1441973</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/what-really-happened-during-the-silicon-valley-bank-collapse-inteview-with-rohan-ganduri</link>
                                <description>
                                            <![CDATA[<p dir="ltr">An interview with Rohan Ganduri, Assistant Professor of Finance at Goizueta Business School at Emory University. Conducted by Retirement.Radio Network Producer Matt McGlure.</p>
<p dir="ltr">Rohan outlines the recent bank failure at Silicon Valley Bank while explaining what you can do to protect your hard-earned money from a potential banking crisis.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[An interview with Rohan Ganduri, Assistant Professor of Finance at Goizueta Business School at Emory University. Conducted by Retirement.Radio Network Producer Matt McGlure.
Rohan outlines the recent bank failure at Silicon Valley Bank while explaining what you can do to protect your hard-earned money from a potential banking crisis.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel]]>
                </itunes:subtitle>
                                    <itunes:episodeType>bonus</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[What Really Happened During the Silicon Valley Bank Collapse | Inteview with Rohan Ganduri]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p dir="ltr">An interview with Rohan Ganduri, Assistant Professor of Finance at Goizueta Business School at Emory University. Conducted by Retirement.Radio Network Producer Matt McGlure.</p>
<p dir="ltr">Rohan outlines the recent bank failure at Silicon Valley Bank while explaining what you can do to protect your hard-earned money from a potential banking crisis.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1441973/Interview-SVB-Crisis-MM-2-.mp3" length="10330019"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[An interview with Rohan Ganduri, Assistant Professor of Finance at Goizueta Business School at Emory University. Conducted by Retirement.Radio Network Producer Matt McGlure.
Rohan outlines the recent bank failure at Silicon Valley Bank while explaining what you can do to protect your hard-earned money from a potential banking crisis.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel]]>
                </itunes:summary>
                                                                            <itunes:duration>00:07:10</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Minimizing Fees and Maximizing Your Social Security Benefits]]>
                </title>
                <pubDate>Fri, 10 Mar 2023 15:21:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1435338</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/minimizing-fees-and-maximizing-your-social-security-benefits-2</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy ties the three phases of retirement together with seven ways to maximize social security. Plus, Randy discusses the benefits of reducing fees and creating income with guaranteed lifetime annuities.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy ties the three phases of retirement together with seven ways to maximize social security. Plus, Randy discusses the benefits of reducing fees and creating income with guaranteed lifetime annuities.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Minimizing Fees and Maximizing Your Social Security Benefits]]>
                </itunes:title>
                                    <itunes:episode>27</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy ties the three phases of retirement together with seven ways to maximize social security. Plus, Randy discusses the benefits of reducing fees and creating income with guaranteed lifetime annuities.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>
<p>Follow Us on Our <a href="https://www.youtube.com/@YourAmericanRetirementShow" target="_blank" rel="noreferrer noopener">Youtube Channel </a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1435338/YAR-Full-Show-3.10.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy ties the three phases of retirement together with seven ways to maximize social security. Plus, Randy discusses the benefits of reducing fees and creating income with guaranteed lifetime annuities.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com
Follow Us on Our Youtube Channel ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Take Risk Off the Table with Your Retirement Plans]]>
                </title>
                <pubDate>Fri, 03 Mar 2023 19:06:06 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1428646</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-take-risk-off-the-table-with-your-retirement-plans</link>
                                <description>
                                            <![CDATA[<p>Randy explains step-by-step how to take risk off the table in retirement and explains how retirement income is generated. Plus, Randy shares advice on what to consider when choosing a fixed indexed annuity, and gives three tips for retirees going back to work part-time. </p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy explains step-by-step how to take risk off the table in retirement and explains how retirement income is generated. Plus, Randy shares advice on what to consider when choosing a fixed indexed annuity, and gives three tips for retirees going back to work part-time. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Take Risk Off the Table with Your Retirement Plans]]>
                </itunes:title>
                                    <itunes:episode>26</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy explains step-by-step how to take risk off the table in retirement and explains how retirement income is generated. Plus, Randy shares advice on what to consider when choosing a fixed indexed annuity, and gives three tips for retirees going back to work part-time. </p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/1428646/YAR-Full-Show-3.3.mp3" length="79210587"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy explains step-by-step how to take risk off the table in retirement and explains how retirement income is generated. Plus, Randy shares advice on what to consider when choosing a fixed indexed annuity, and gives three tips for retirees going back to work part-time. 
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Living a Smart Retirement Lifestyle & Estate Planning for Your Family]]>
                </title>
                <pubDate>Fri, 17 Feb 2023 19:25:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1414754</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/living-a-smart-retirement-lifestyle-estate-planning-for-your-family</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy continues the Smart Retirement Plan Series by discussing guaranteed income and fixed indexed annuities. We also discuss ten tips for a successful retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy continues the Smart Retirement Plan Series by discussing guaranteed income and fixed indexed annuities. We also discuss ten tips for a successful retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Living a Smart Retirement Lifestyle & Estate Planning for Your Family]]>
                </itunes:title>
                                    <itunes:episode>25</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy continues the Smart Retirement Plan Series by discussing guaranteed income and fixed indexed annuities. We also discuss ten tips for a successful retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/3c63e20e-ad7b-4241-9e19-23a2b2a174ad/YAR-Full-Show-2.17.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy continues the Smart Retirement Plan Series by discussing guaranteed income and fixed indexed annuities. We also discuss ten tips for a successful retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Following These Rules Will Make or Break Your Retirement]]>
                </title>
                <pubDate>Fri, 10 Feb 2023 21:17:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1411094</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/following-these-rules-will-make-or-break-your-retirement-2</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy explains the importance of reviewing your retirement plans to ensure success. Are you following these essential retirement rules? Find out on this week’s show. Finally, Randy shares some important updates from Secure Act 2.0, new legislation that will impact retirees.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy explains the importance of reviewing your retirement plans to ensure success. Are you following these essential retirement rules? Find out on this week’s show. Finally, Randy shares some important updates from Secure Act 2.0, new legislation that will impact retirees.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Following These Rules Will Make or Break Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>24</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy explains the importance of reviewing your retirement plans to ensure success. Are you following these essential retirement rules? Find out on this week’s show. Finally, Randy shares some important updates from Secure Act 2.0, new legislation that will impact retirees.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/4f54d14f-5bb9-43f2-8bcb-8ae948fdc014/YAR-Full-Show-2.10.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy explains the importance of reviewing your retirement plans to ensure success. Are you following these essential retirement rules? Find out on this week’s show. Finally, Randy shares some important updates from Secure Act 2.0, new legislation that will impact retirees.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[What the Secure Act 2.0 Means for Your Retirement]]>
                </title>
                <pubDate>Fri, 03 Feb 2023 19:06:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1400909</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/what-the-secure-act-20-means-for-your-retirement</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy shares 10 reasons why annuities make sense, along with the types of annuities to consider adding to your portfolio. Plus, Randy breaks down important updates regarding Secure Act 2.0 and why it matters for your retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy shares 10 reasons why annuities make sense, along with the types of annuities to consider adding to your portfolio. Plus, Randy breaks down important updates regarding Secure Act 2.0 and why it matters for your retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[What the Secure Act 2.0 Means for Your Retirement]]>
                </itunes:title>
                                    <itunes:episode>23</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy shares 10 reasons why annuities make sense, along with the types of annuities to consider adding to your portfolio. Plus, Randy breaks down important updates regarding Secure Act 2.0 and why it matters for your retirement.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/bd58ed54-b88c-409e-bee2-d3759b63b71e/YAR-Full-Show-2.4.mp3" length="57610587"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy shares 10 reasons why annuities make sense, along with the types of annuities to consider adding to your portfolio. Plus, Randy breaks down important updates regarding Secure Act 2.0 and why it matters for your retirement.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:40:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Secret Ingredient in the Most Successful Retirement Plans]]>
                </title>
                <pubDate>Fri, 27 Jan 2023 19:00:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1392620</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-secret-ingredient-in-the-most-successful-retirement-plans</link>
                                <description>
                                            <![CDATA[<p>In this episode, Randy outlines his secret formula for a happy and healthy retirement. He also lists things you want to eliminate from your current plan to maximize returns and minimize stress during your golden years. Plus, Randy details annuities, compound interest and the rule of 72.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[In this episode, Randy outlines his secret formula for a happy and healthy retirement. He also lists things you want to eliminate from your current plan to maximize returns and minimize stress during your golden years. Plus, Randy details annuities, compound interest and the rule of 72.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[The Secret Ingredient in the Most Successful Retirement Plans]]>
                </itunes:title>
                                    <itunes:episode>22</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>In this episode, Randy outlines his secret formula for a happy and healthy retirement. He also lists things you want to eliminate from your current plan to maximize returns and minimize stress during your golden years. Plus, Randy details annuities, compound interest and the rule of 72.</p>
<p>For More Information on Randy and the Show, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/f28c384f-69fc-4f91-915d-c4539fdc22bb/YAR-Full-Show-1.28.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[In this episode, Randy outlines his secret formula for a happy and healthy retirement. He also lists things you want to eliminate from your current plan to maximize returns and minimize stress during your golden years. Plus, Randy details annuities, compound interest and the rule of 72.
For More Information on Randy and the Show, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Randy’s Keys to a Smart Retirement Plan]]>
                </title>
                <pubDate>Tue, 24 Jan 2023 13:42:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1388903</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/randys-keys-to-a-smart-retirement-plan</link>
                                <description>
                                            <![CDATA[<p>On this episode of Your American Retirement, Randy goes into detail and outlines a plan for maximizing your income and living a stress-free retirement. Plus, Randy explains the changes to Required Minimum Distributions in 2023 and IRS penalties you will want to avoid in the future.</p>
<p>For More Information, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy goes into detail and outlines a plan for maximizing your income and living a stress-free retirement. Plus, Randy explains the changes to Required Minimum Distributions in 2023 and IRS penalties you will want to avoid in the future.
For More Information, Please Visit YourAmericanRetirement.com]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Randy’s Keys to a Smart Retirement Plan]]>
                </itunes:title>
                                    <itunes:episode>21</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this episode of Your American Retirement, Randy goes into detail and outlines a plan for maximizing your income and living a stress-free retirement. Plus, Randy explains the changes to Required Minimum Distributions in 2023 and IRS penalties you will want to avoid in the future.</p>
<p>For More Information, Please Visit <a target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/840b5fa4-0fa2-46f0-bd89-e379e194f4a8/YAR-Show-1.21-01.mp3" length="78967356"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy goes into detail and outlines a plan for maximizing your income and living a stress-free retirement. Plus, Randy explains the changes to Required Minimum Distributions in 2023 and IRS penalties you will want to avoid in the future.
For More Information, Please Visit YourAmericanRetirement.com]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:49</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Delete Taxes, Fees and Expenses from Your Retirement Plan]]>
                </title>
                <pubDate>Fri, 13 Jan 2023 20:10:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1375630</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-delete-taxes-fees-and-expenses-from-your-retirement-plan-4</link>
                                <description>
                                            <![CDATA[<p>Are you paying too much for your retirement plan? This week, Randy discusses some strategies for eliminating unnecessary fees, taxes and expenses so you can live the retirement lifestyle you deserve.</p>
<p>For More Information, Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a> </p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Are you paying too much for your retirement plan? This week, Randy discusses some strategies for eliminating unnecessary fees, taxes and expenses so you can live the retirement lifestyle you deserve.
For More Information, Visit YourAmericanRetirement.com ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Delete Taxes, Fees and Expenses from Your Retirement Plan]]>
                </itunes:title>
                                    <itunes:episode>20</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Are you paying too much for your retirement plan? This week, Randy discusses some strategies for eliminating unnecessary fees, taxes and expenses so you can live the retirement lifestyle you deserve.</p>
<p>For More Information, Visit <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a> </p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/4d19cdf9-68e6-403b-89df-e7c1b4f69e64/REVISED-YAR-Full-Show-011323.mp3" length="75891441"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Are you paying too much for your retirement plan? This week, Randy discusses some strategies for eliminating unnecessary fees, taxes and expenses so you can live the retirement lifestyle you deserve.
For More Information, Visit YourAmericanRetirement.com ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:52:41</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Financial Tips for the Holiday Season with Randy Claus]]>
                </title>
                <pubDate>Tue, 27 Dec 2022 16:20:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1362069</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/financial-tips-for-the-holiday-season-with-randy-claus</link>
                                <description>
                                            <![CDATA[<p>Randy goes over Required Minimum Distributions and explains how to keep the IRS out of your retirement plans. Plus, a warning about scam artists targeting pre-retirees and retirees, the difference between paychecks and playchecks – and much more!</p>
<p>Schedule your free consultation with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy goes over Required Minimum Distributions and explains how to keep the IRS out of your retirement plans. Plus, a warning about scam artists targeting pre-retirees and retirees, the difference between paychecks and playchecks – and much more!
Schedule your free consultation with Randy at YourAmericanRetirement.com Questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[Financial Tips for the Holiday Season with Randy Claus]]>
                </itunes:title>
                                    <itunes:episode>19</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy goes over Required Minimum Distributions and explains how to keep the IRS out of your retirement plans. Plus, a warning about scam artists targeting pre-retirees and retirees, the difference between paychecks and playchecks – and much more!</p>
<p>Schedule your free consultation with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/fcc829d9-6888-4f90-9e77-fe357ce75e5f/YAR-Full-Show-12.24.mp3" length="79210589"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy goes over Required Minimum Distributions and explains how to keep the IRS out of your retirement plans. Plus, a warning about scam artists targeting pre-retirees and retirees, the difference between paychecks and playchecks – and much more!
Schedule your free consultation with Randy at YourAmericanRetirement.com Questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Jump Start the New Year with this Financial Checklist]]>
                </title>
                <pubDate>Fri, 16 Dec 2022 19:51:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1351491</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/jump-start-the-new-year-with-this-financial-checklist</link>
                                <description>
                                            <![CDATA[<p>On this week’s show, Randy explains how you can avoid Required Minimum Distributions and kick the IRS out of your retirement plan. Plus, he explains how to make 2023 your best year yet with his financial checklist.</p>
<p>Schedule your free consultation with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy explains how you can avoid Required Minimum Distributions and kick the IRS out of your retirement plan. Plus, he explains how to make 2023 your best year yet with his financial checklist.
Schedule your free consultation with Randy at YourAmericanRetirement.com Questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Jump Start the New Year with this Financial Checklist]]>
                </itunes:title>
                                    <itunes:episode>18</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s show, Randy explains how you can avoid Required Minimum Distributions and kick the IRS out of your retirement plan. Plus, he explains how to make 2023 your best year yet with his financial checklist.</p>
<p>Schedule your free consultation with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/632873a5-17e1-45b4-b414-7c44bde2d1c5/YAR-Full-Show-12.17.mp3" length="79210589"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy explains how you can avoid Required Minimum Distributions and kick the IRS out of your retirement plan. Plus, he explains how to make 2023 your best year yet with his financial checklist.
Schedule your free consultation with Randy at YourAmericanRetirement.com Questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Has Your 401k Disappointed This Year?]]>
                </title>
                <pubDate>Fri, 09 Dec 2022 21:30:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1346604</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/has-your-401k-disappointed-this-year</link>
                                <description>
                                            <![CDATA[<p>Randy lists the seven questions he can help you answer during your free retirement consultation, and shares some tips for saving money this holiday season. Plus, a relatable story about living comfortably during retirement.</p>
<p>Schedule a Free Meeting at our <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">Website</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy lists the seven questions he can help you answer during your free retirement consultation, and shares some tips for saving money this holiday season. Plus, a relatable story about living comfortably during retirement.
Schedule a Free Meeting at our Website Questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Has Your 401k Disappointed This Year?]]>
                </itunes:title>
                                    <itunes:episode>17</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy lists the seven questions he can help you answer during your free retirement consultation, and shares some tips for saving money this holiday season. Plus, a relatable story about living comfortably during retirement.</p>
<p>Schedule a Free Meeting at our <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">Website</a><br /> <br />Questions? Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/9f87da5f-e36c-4eb8-926e-3c86b3238a54/YAR-Full-Show-12.10.mp3" length="79210589"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy lists the seven questions he can help you answer during your free retirement consultation, and shares some tips for saving money this holiday season. Plus, a relatable story about living comfortably during retirement.
Schedule a Free Meeting at our Website Questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Achieve Financial Freedom in 2023 and Beyond]]>
                </title>
                <pubDate>Fri, 02 Dec 2022 21:09:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1340137</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-achieve-financial-freedom-in-2023-and-beyond</link>
                                <description>
                                            <![CDATA[<p>On this week’s show, Randy discusses the steps you should be taking in 2023 to become financially secure. Plus, he dives into what retirees fear the most, and the updated tax brackets for 2023.</p>
<p>Schedule a <a href="https://youramericanretirement.com/" target="_blank" rel="noreferrer noopener">Free Meeting</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy discusses the steps you should be taking in 2023 to become financially secure. Plus, he dives into what retirees fear the most, and the updated tax brackets for 2023.
Schedule a Free Meeting Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Achieve Financial Freedom in 2023 and Beyond]]>
                </itunes:title>
                                    <itunes:episode>16</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>On this week’s show, Randy discusses the steps you should be taking in 2023 to become financially secure. Plus, he dives into what retirees fear the most, and the updated tax brackets for 2023.</p>
<p>Schedule a <a href="https://youramericanretirement.com/" target="_blank" rel="noreferrer noopener">Free Meeting</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/06874919-1817-4820-88da-d3a0d62f5a76/YAR-Full-Show-12.3.mp3" length="79210597"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy discusses the steps you should be taking in 2023 to become financially secure. Plus, he dives into what retirees fear the most, and the updated tax brackets for 2023.
Schedule a Free Meeting Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Get the Most out of Social Security and Medicare]]>
                </title>
                <pubDate>Fri, 11 Nov 2022 19:08:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1317138</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-get-the-most-out-of-social-security-and-medicare</link>
                                <description>
                                            <![CDATA[<p><span style="font-weight:400;">On this week’s show, Randy shares a social security checklist to help maximize your benefits, and shares a personal story about how helped a client navigate the social security minefield. Plus, more information about Medicare and the Annual Enrollment Period.</span> </p>
<p><span style="font-weight:400;">Schedule a free meeting with Randy at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$" target="_blank" rel="noreferrer noopener"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;">Got questions? Call Randy today at <a href="tel:8669907664">(866) 990-7664</a></span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy shares a social security checklist to help maximize your benefits, and shares a personal story about how helped a client navigate the social security minefield. Plus, more information about Medicare and the Annual Enrollment Period. 
Schedule a free meeting with Randy at YourAmericanRetirement.com
Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Get the Most out of Social Security and Medicare]]>
                </itunes:title>
                                    <itunes:episode>15</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p><span style="font-weight:400;">On this week’s show, Randy shares a social security checklist to help maximize your benefits, and shares a personal story about how helped a client navigate the social security minefield. Plus, more information about Medicare and the Annual Enrollment Period.</span> </p>
<p><span style="font-weight:400;">Schedule a free meeting with Randy at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$" target="_blank" rel="noreferrer noopener"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;">Got questions? Call Randy today at <a href="tel:8669907664">(866) 990-7664</a></span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/dd17d22d-25c8-4c0a-aef3-d969e2bde317/YAR-Full-Show-11.8.mp3" length="79210588"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy shares a social security checklist to help maximize your benefits, and shares a personal story about how helped a client navigate the social security minefield. Plus, more information about Medicare and the Annual Enrollment Period. 
Schedule a free meeting with Randy at YourAmericanRetirement.com
Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Social Security: Everything You Need to Know]]>
                </title>
                <pubDate>Fri, 04 Nov 2022 21:07:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1311985</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/social-security-everything-you-need-to-know</link>
                                <description>
                                            <![CDATA[<p>Randy discusses Medicare options and Medicare advantage plans. Plus, he explains important information about Social Security, taxation of benefits and details benefits related to ex-spouses.</p>
<p>Schedule a free meeting with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy discusses Medicare options and Medicare advantage plans. Plus, he explains important information about Social Security, taxation of benefits and details benefits related to ex-spouses.
Schedule a free meeting with Randy at YourAmericanRetirement.com Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Social Security: Everything You Need to Know]]>
                </itunes:title>
                                    <itunes:episode>14</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy discusses Medicare options and Medicare advantage plans. Plus, he explains important information about Social Security, taxation of benefits and details benefits related to ex-spouses.</p>
<p>Schedule a free meeting with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/3b386752-ad2c-4f20-a7a9-c5310765b42f/YAR-Full-Show-11.1.mp3" length="79211804"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy discusses Medicare options and Medicare advantage plans. Plus, he explains important information about Social Security, taxation of benefits and details benefits related to ex-spouses.
Schedule a free meeting with Randy at YourAmericanRetirement.com Got questions? Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Maximize Your Social Security Benefits]]>
                </title>
                <pubDate>Fri, 28 Oct 2022 20:14:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1307485</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-maximize-your-social-security-benefits</link>
                                <description>
                                            <![CDATA[<p>Randy reviews Medicare parts A, B and C to help you make informed decisions during this Annual Enrollment Period (AEP) Plus, an in-depth look at Social Security benefits and understanding how to maximize your monthly income.</p>
<p>Schedule a free meeting with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>
<p> </p>
<p> </p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy reviews Medicare parts A, B and C to help you make informed decisions during this Annual Enrollment Period (AEP) Plus, an in-depth look at Social Security benefits and understanding how to maximize your monthly income.
Schedule a free meeting with Randy at YourAmericanRetirement.com Got questions? Call Randy today at (866) 990-7664
 
 ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Maximize Your Social Security Benefits]]>
                </itunes:title>
                                    <itunes:episode>13</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy reviews Medicare parts A, B and C to help you make informed decisions during this Annual Enrollment Period (AEP) Plus, an in-depth look at Social Security benefits and understanding how to maximize your monthly income.</p>
<p>Schedule a free meeting with Randy at <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">YourAmericanRetirement.com</a><br /> <br />Got questions? Call Randy today at (866) 990-7664</p>
<p> </p>
<p> </p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/90959d78-7bd5-418a-bbf3-24e1f5017658/YAR-Full-Show-10.25.mp3" length="79211403"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy reviews Medicare parts A, B and C to help you make informed decisions during this Annual Enrollment Period (AEP) Plus, an in-depth look at Social Security benefits and understanding how to maximize your monthly income.
Schedule a free meeting with Randy at YourAmericanRetirement.com Got questions? Call Randy today at (866) 990-7664
 
 ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Inflation is Casting a Shadow over the Holiday Season]]>
                </title>
                <pubDate>Wed, 26 Oct 2022 19:01:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1305871</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/inflation-is-casting-a-shadow-over-the-holiday-season</link>
                                <description>
                                            <![CDATA[<p>Randy discusses the Social Security cost of living adjustment (COLA) and how it will affect households across the country as we enter the holiday season. Plus, Randy explains Medicare parts A, B and C in great detail so you can be well-informed during this Annual Enrollment Period (AEP) for Medicare.</p>
<p>Schedule a free meeting with Randy <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">here</a>.<br /> <br />Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy discusses the Social Security cost of living adjustment (COLA) and how it will affect households across the country as we enter the holiday season. Plus, Randy explains Medicare parts A, B and C in great detail so you can be well-informed during this Annual Enrollment Period (AEP) for Medicare.
Schedule a free meeting with Randy here. Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Inflation is Casting a Shadow over the Holiday Season]]>
                </itunes:title>
                                    <itunes:episode>12</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy discusses the Social Security cost of living adjustment (COLA) and how it will affect households across the country as we enter the holiday season. Plus, Randy explains Medicare parts A, B and C in great detail so you can be well-informed during this Annual Enrollment Period (AEP) for Medicare.</p>
<p>Schedule a free meeting with Randy <a href="https://youramericanretirement.com" target="_blank" rel="noreferrer noopener">here</a>.<br /> <br />Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/af19d4f5-0eb5-4ae5-9fd8-7a93d905cc2e/YAR-Full-Show-10.20.mp3" length="79210550"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy discusses the Social Security cost of living adjustment (COLA) and how it will affect households across the country as we enter the holiday season. Plus, Randy explains Medicare parts A, B and C in great detail so you can be well-informed during this Annual Enrollment Period (AEP) for Medicare.
Schedule a free meeting with Randy here. Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Guarantees for Your Retirement and Medicare’s Annual Enrollment Period]]>
                </title>
                <pubDate>Mon, 17 Oct 2022 16:07:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://permalink.castos.com/podcast/42223/episode/1295342</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/guarantees-for-your-retirement-and-medicares-annual-enrollment-period</link>
                                <description>
                                            <![CDATA[<p>Randy helps listeners understand how they can get more guarantees in their retirement plans. Would you rather have a “sure-thing” or a “what-if” when it comes to your hard-earned money? With the Annual Enrollment Period for Medicare also upon us, Randy walks listeners through the best options and explains the different parts of Medicare to help you make smarter decisions.</p>
<p>Schedule a free meeting with Randy at <a href="https://YourAmericanRetirement.com">YourAmericanRetirement.com</a><br /> <br />Call Randy today at (866) 990-7664</p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy helps listeners understand how they can get more guarantees in their retirement plans. Would you rather have a “sure-thing” or a “what-if” when it comes to your hard-earned money? With the Annual Enrollment Period for Medicare also upon us, Randy walks listeners through the best options and explains the different parts of Medicare to help you make smarter decisions.
Schedule a free meeting with Randy at YourAmericanRetirement.com Call Randy today at (866) 990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Guarantees for Your Retirement and Medicare’s Annual Enrollment Period]]>
                </itunes:title>
                                    <itunes:episode>11</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p>Randy helps listeners understand how they can get more guarantees in their retirement plans. Would you rather have a “sure-thing” or a “what-if” when it comes to your hard-earned money? With the Annual Enrollment Period for Medicare also upon us, Randy walks listeners through the best options and explains the different parts of Medicare to help you make smarter decisions.</p>
<p>Schedule a free meeting with Randy at <a href="https://YourAmericanRetirement.com">YourAmericanRetirement.com</a><br /> <br />Call Randy today at (866) 990-7664</p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/93acec37-b301-4100-ac3e-cabe192a98a4/YAR-Full-Show-10.13.mp3" length="79210550"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy helps listeners understand how they can get more guarantees in their retirement plans. Would you rather have a “sure-thing” or a “what-if” when it comes to your hard-earned money? With the Annual Enrollment Period for Medicare also upon us, Randy walks listeners through the best options and explains the different parts of Medicare to help you make smarter decisions.
Schedule a free meeting with Randy at YourAmericanRetirement.com Call Randy today at (866) 990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Building a Smart Retirement Plan: Medicare and More!]]>
                </title>
                <pubDate>Fri, 16 Sep 2022 19:07:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/building-a-smart-retirement-plan-medicare-and-more</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/building-a-smart-retirement-plan-medicare-and-more</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale discuss what you need to know about Medicare and how to fund your healthcare expenses throughout your lifetime. They also talk about some rules to keep in mind when planning for retirement, and share the quote of the week.</span></p>
<p class="p1"><span class="s1">Schedule a free meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale discuss what you need to know about Medicare and how to fund your healthcare expenses throughout your lifetime. They also talk about some rules to keep in mind when planning for retirement, and share the quote of the week.
Schedule a free meeting with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Building a Smart Retirement Plan: Medicare and More!]]>
                </itunes:title>
                                    <itunes:episode>10</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale discuss what you need to know about Medicare and how to fund your healthcare expenses throughout your lifetime. They also talk about some rules to keep in mind when planning for retirement, and share the quote of the week.</span></p>
<p class="p1"><span class="s1">Schedule a free meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/b72b94c5-33b2-4806-a566-e43fe6880a9a/YAR-Full-Show-9.14.mp3" length="79210550"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale discuss what you need to know about Medicare and how to fund your healthcare expenses throughout your lifetime. They also talk about some rules to keep in mind when planning for retirement, and share the quote of the week.
Schedule a free meeting with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How Social Security Works and Other Ways to Generate Income for Life]]>
                </title>
                <pubDate>Mon, 12 Sep 2022 12:48:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/how-social-security-works-and-other-ways-to-generate-income-for-life</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-social-security-works-and-other-ways-to-generate-income-for-life</link>
                                <description>
                                            <![CDATA[<p><span style="font-weight:400;">On this week’s show, Randy and Kale discuss the ins and outs of social security, and offer additional solutions for generating retirement income. Are your savings safe and protected from loss? Are fees holding-back your portfolio?</span></p>
<p> </p>
<p><span style="font-weight:400;">Schedule a free meeting with Randy and Kale at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;"> </span></p>
<p><span style="font-weight:400;">Call today by dialing <a href="tel:8669907664">866-990-7664</a></span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s show, Randy and Kale discuss the ins and outs of social security, and offer additional solutions for generating retirement income. Are your savings safe and protected from loss? Are fees holding-back your portfolio?
 
Schedule a free meeting with Randy and Kale at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How Social Security Works and Other Ways to Generate Income for Life]]>
                </itunes:title>
                                    <itunes:episode>9</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p><span style="font-weight:400;">On this week’s show, Randy and Kale discuss the ins and outs of social security, and offer additional solutions for generating retirement income. Are your savings safe and protected from loss? Are fees holding-back your portfolio?</span></p>
<p> </p>
<p><span style="font-weight:400;">Schedule a free meeting with Randy and Kale at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;"> </span></p>
<p><span style="font-weight:400;">Call today by dialing <a href="tel:8669907664">866-990-7664</a></span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/0dffddaf-0ee3-4a76-bfa8-fdca59ee2bd2/YAR-Full-Show-9.7.mp3" length="79211404"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s show, Randy and Kale discuss the ins and outs of social security, and offer additional solutions for generating retirement income. Are your savings safe and protected from loss? Are fees holding-back your portfolio?
 
Schedule a free meeting with Randy and Kale at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Smart Retirement Plan: Smart Review and Smart Income Streams]]>
                </title>
                <pubDate>Fri, 02 Sep 2022 15:54:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/the-smart-retirement-plan-smart-review-and-smart-income-streams-1</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-smart-retirement-plan-smart-review-and-smart-income-streams-1</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale continue the Smart Retirement Plan series with a discussion of Smart Review and Smart Income Streams. It’s important to have your finances reviewed at least once a year to ensure you are on track to reach your goals. Let us help you by providing a free social security plan for your retirement.</span></p>
<p class="p1"><span class="s1">Are your savings safe and protected from loss? Are fees holding-back your portfolio?</span><span class="s1"> </span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span><span class="s1"> </span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"> </p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale continue the Smart Retirement Plan series with a discussion of Smart Review and Smart Income Streams. It’s important to have your finances reviewed at least once a year to ensure you are on track to reach your goals. Let us help you by providing a free social security plan for your retirement.
Are your savings safe and protected from loss? Are fees holding-back your portfolio? 
Call today by dialing 866-990-7664 
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
 ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[The Smart Retirement Plan: Smart Review and Smart Income Streams]]>
                </itunes:title>
                                    <itunes:episode>8</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale continue the Smart Retirement Plan series with a discussion of Smart Review and Smart Income Streams. It’s important to have your finances reviewed at least once a year to ensure you are on track to reach your goals. Let us help you by providing a free social security plan for your retirement.</span></p>
<p class="p1"><span class="s1">Are your savings safe and protected from loss? Are fees holding-back your portfolio?</span><span class="s1"> </span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span><span class="s1"> </span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"> </p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/d530f123-08d8-4104-ad7c-41e844085467/YAR-Full-Show-8.29.mp3" length="79211403"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale continue the Smart Retirement Plan series with a discussion of Smart Review and Smart Income Streams. It’s important to have your finances reviewed at least once a year to ensure you are on track to reach your goals. Let us help you by providing a free social security plan for your retirement.
Are your savings safe and protected from loss? Are fees holding-back your portfolio? 
Call today by dialing 866-990-7664 
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
 ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[ The Smart Retirement Plan]]>
                </title>
                <pubDate>Fri, 12 Aug 2022 19:28:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/the-smart-retirement-plan-2</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-smart-retirement-plan-2</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale explain the first three components of a smart retirement plan. Tune-in over the next few weeks to hear the complete smart retirement plan series.</span></p>
<p class="p1"><span class="s1">Are your retirement savings safe and protected from loss? Are fees holding-back your portfolio?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>
<p class="p3"><span class="s1"> </span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale explain the first three components of a smart retirement plan. Tune-in over the next few weeks to hear the complete smart retirement plan series.
Are your retirement savings safe and protected from loss? Are fees holding-back your portfolio?
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
Call today by dialing 866-990-7664
 ]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[ The Smart Retirement Plan]]>
                </itunes:title>
                                    <itunes:episode>7</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale explain the first three components of a smart retirement plan. Tune-in over the next few weeks to hear the complete smart retirement plan series.</span></p>
<p class="p1"><span class="s1">Are your retirement savings safe and protected from loss? Are fees holding-back your portfolio?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>
<p class="p3"><span class="s1"> </span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/874b1124-6cda-43bc-834b-ddc9bf048dd7/YAR-Full-Show-8.10.mp3" length="79210550"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale explain the first three components of a smart retirement plan. Tune-in over the next few weeks to hear the complete smart retirement plan series.
Are your retirement savings safe and protected from loss? Are fees holding-back your portfolio?
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
Call today by dialing 866-990-7664
 ]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[A Financial Check-up for a Healthier Retirement]]>
                </title>
                <pubDate>Fri, 05 Aug 2022 19:21:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/a-financial-check-up-for-a-healthier-retirement-3</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/a-financial-check-up-for-a-healthier-retirement-3</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale explain why you should have your personal finances reviewed annually to ensure you are on the right path. Consider replacing your bonds with annuities to delete portfolio fees and guarantee yourself an income for life.</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale explain why you should have your personal finances reviewed annually to ensure you are on the right path. Consider replacing your bonds with annuities to delete portfolio fees and guarantee yourself an income for life.
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[A Financial Check-up for a Healthier Retirement]]>
                </itunes:title>
                                    <itunes:episode>6</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale explain why you should have your personal finances reviewed annually to ensure you are on the right path. Consider replacing your bonds with annuities to delete portfolio fees and guarantee yourself an income for life.</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com.</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/d2e8d9f7-0b15-4144-8be0-44c0a340fb8b/YAR-Full-Show-8.3.mp3" length="79180090"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale explain why you should have your personal finances reviewed annually to ensure you are on the right path. Consider replacing your bonds with annuities to delete portfolio fees and guarantee yourself an income for life.
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com.
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:58</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[How to Create Your Own Personal Pension]]>
                </title>
                <pubDate>Fri, 22 Jul 2022 06:16:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/how-to-create-your-own-personal-pension</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/how-to-create-your-own-personal-pension</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale discuss strategies for protecting and growing your hard-earned money, while also generating an income for you and your family that you can never outlive. Why take unnecessary risk in the market when you should be enjoying the retirement you worked so hard for?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale discuss strategies for protecting and growing your hard-earned money, while also generating an income for you and your family that you can never outlive. Why take unnecessary risk in the market when you should be enjoying the retirement you worked so hard for?
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[How to Create Your Own Personal Pension]]>
                </itunes:title>
                                    <itunes:episode>5</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale discuss strategies for protecting and growing your hard-earned money, while also generating an income for you and your family that you can never outlive. Why take unnecessary risk in the market when you should be enjoying the retirement you worked so hard for?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation meeting with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/893b6728-7c16-4807-add5-c3e33f936806/YAR-Full-Show-7.20.mp3" length="79173247"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale discuss strategies for protecting and growing your hard-earned money, while also generating an income for you and your family that you can never outlive. Why take unnecessary risk in the market when you should be enjoying the retirement you worked so hard for?
Schedule a no-obligation meeting with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:58</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[The More You Learn, The More You Earn ]]>
                </title>
                <pubDate>Fri, 15 Jul 2022 07:02:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/the-more-you-learn-the-more-you-earn-3</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-more-you-learn-the-more-you-earn-3</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">On this episode of Your American Retirement, Randy and Kale talk about how they work with each individual and family to find the right financial solutions for their particular situation. Listen-in to learn more about strategies for beating inflation and ensuring a successful retirement.</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this episode of Your American Retirement, Randy and Kale talk about how they work with each individual and family to find the right financial solutions for their particular situation. Listen-in to learn more about strategies for beating inflation and ensuring a successful retirement.
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[The More You Learn, The More You Earn ]]>
                </itunes:title>
                                    <itunes:episode>4</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">On this episode of Your American Retirement, Randy and Kale talk about how they work with each individual and family to find the right financial solutions for their particular situation. Listen-in to learn more about strategies for beating inflation and ensuring a successful retirement.</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/0a5e3fd3-1011-4efe-8f05-1e044afce8c2/YAR-7.15-AWAITING-COMPLIANCE.mp3" length="78979676"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this episode of Your American Retirement, Randy and Kale talk about how they work with each individual and family to find the right financial solutions for their particular situation. Listen-in to learn more about strategies for beating inflation and ensuring a successful retirement.
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:54:50</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[Investing With Income In Mind]]>
                </title>
                <pubDate>Fri, 01 Jul 2022 03:58:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/investing-with-income-in-mind-4</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/investing-with-income-in-mind-4</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">Randy and Kale wish all the listeners a happy Fourth of July weekend and explain how inflation could affect your backyard cookouts this summer. Do you have steady financial plan that can guarantee income and beat inflation?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[Randy and Kale wish all the listeners a happy Fourth of July weekend and explain how inflation could affect your backyard cookouts this summer. Do you have steady financial plan that can guarantee income and beat inflation?
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[Investing With Income In Mind]]>
                </itunes:title>
                                    <itunes:episode>3</itunes:episode>
                                                    <itunes:season>1</itunes:season>
                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">Randy and Kale wish all the listeners a happy Fourth of July weekend and explain how inflation could affect your backyard cookouts this summer. Do you have steady financial plan that can guarantee income and beat inflation?</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/5f0e5dde-4101-4a40-9228-45390953b5aa/YAR-FULL-SHOW-7-1-22.mp3" length="79229088"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[Randy and Kale wish all the listeners a happy Fourth of July weekend and explain how inflation could affect your backyard cookouts this summer. Do you have steady financial plan that can guarantee income and beat inflation?
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:00</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[What We Would Do If We Were You]]>
                </title>
                <pubDate>Mon, 27 Jun 2022 02:15:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/what-we-would-do-if-we-were-you-1</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/what-we-would-do-if-we-were-you-1</link>
                                <description>
                                            <![CDATA[<p class="p1"><span class="s1">On this week’s episode of Your American Retirement, Randy and Kale talk about how they can help Americans like you beat inflation with a smart fixed-income strategy. Did you know you can create your own personal pension? Listen to this episode and learn how!</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy and Kale talk about how they can help Americans like you beat inflation with a smart fixed-income strategy. Did you know you can create your own personal pension? Listen to this episode and learn how!
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                    <itunes:episodeType>full</itunes:episodeType>
                                <itunes:title>
                    <![CDATA[What We Would Do If We Were You]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p class="p1"><span class="s1">On this week’s episode of Your American Retirement, Randy and Kale talk about how they can help Americans like you beat inflation with a smart fixed-income strategy. Did you know you can create your own personal pension? Listen to this episode and learn how!</span></p>
<p class="p1"><span class="s1">Schedule a no-obligation consultation with Randy and Kale at <a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span class="s2">YourAmericanRetirement.com</span></a></span></p>
<p class="p1"><span class="s1">Call today by dialing 866-990-7664</span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/47bf9d8b-a725-40e1-8fe7-0276c4bff762/YAR-6-24-22-FULL-SHOW.mp3" length="79252912"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[On this week’s episode of Your American Retirement, Randy and Kale talk about how they can help Americans like you beat inflation with a smart fixed-income strategy. Did you know you can create your own personal pension? Listen to this episode and learn how!
Schedule a no-obligation consultation with Randy and Kale at YourAmericanRetirement.com
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:01</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
                    <item>
                <title>
                    <![CDATA[The Biggest Challenges Retirees Face Today]]>
                </title>
                <pubDate>Fri, 17 Jun 2022 07:03:00 +0000</pubDate>
                <dc:creator>Randy Sams</dc:creator>
                <guid isPermaLink="true">
                    https://your-american-retirement.castos.com/podcasts/42223/episodes/the-biggest-challenges-retirees-face-today-2</guid>
                                    <link>https://your-american-retirement.castos.com/episodes/the-biggest-challenges-retirees-face-today-2</link>
                                <description>
                                            <![CDATA[<p><span style="font-weight:400;"> In this debut episode of Your American Retirement, Randy and Kale discuss how they can help Americans like you protect and grow their hard-earned money. Do you have a financial plan in place that includes strategies to beat inflation?</span></p>
<p> </p>
<p><span style="font-weight:400;">Learn more and schedule a no-obligation consultation at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;"> </span></p>
<p><span style="font-weight:400;">Call today by dialing <a href="tel:8669907664">866-990-7664</a></span></p>]]>
                                    </description>
                <itunes:subtitle>
                    <![CDATA[ In this debut episode of Your American Retirement, Randy and Kale discuss how they can help Americans like you protect and grow their hard-earned money. Do you have a financial plan in place that includes strategies to beat inflation?
 
Learn more and schedule a no-obligation consultation at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664]]>
                </itunes:subtitle>
                                <itunes:title>
                    <![CDATA[The Biggest Challenges Retirees Face Today]]>
                </itunes:title>
                                                <itunes:explicit>false</itunes:explicit>
                <content:encoded>
                    <![CDATA[<p><span style="font-weight:400;"> In this debut episode of Your American Retirement, Randy and Kale discuss how they can help Americans like you protect and grow their hard-earned money. Do you have a financial plan in place that includes strategies to beat inflation?</span></p>
<p> </p>
<p><span style="font-weight:400;">Learn more and schedule a no-obligation consultation at </span><a href="https://urldefense.com/v3/__http:/youramericanretirement.com/__;!!BgIKVS048w!obPpbVHGMOpFSyOV3IGF3EhgA33aPheSwpiGQnTDju4-VqMzckmG0ZvEoRj2QeC0QW-1RxY6vGr-CMQ$"><span style="font-weight:400;">YourAmericanRetirement.com</span></a></p>
<p><span style="font-weight:400;"> </span></p>
<p><span style="font-weight:400;">Call today by dialing <a href="tel:8669907664">866-990-7664</a></span></p>]]>
                </content:encoded>
                                    <enclosure url="https://episodes.castos.com/624b566b360063-96204580/42223/c29a8733-fe2c-4216-bdcf-917a25805fc9/APPROVED-YAR-FullShow-061722.mp3" length="79258554"
                        type="audio/mpeg">
                    </enclosure>
                                <itunes:summary>
                    <![CDATA[ In this debut episode of Your American Retirement, Randy and Kale discuss how they can help Americans like you protect and grow their hard-earned money. Do you have a financial plan in place that includes strategies to beat inflation?
 
Learn more and schedule a no-obligation consultation at YourAmericanRetirement.com
 
Call today by dialing 866-990-7664]]>
                </itunes:summary>
                                                                            <itunes:duration>00:55:02</itunes:duration>
                                                    <itunes:author>
                    <![CDATA[Randy Sams]]>
                </itunes:author>
                            </item>
            </channel>
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