http://www.blogtalkradio.com/safemoneytalkRetirement savings and income specialist Rick Liuag discusses the current threats to American's retirement savings and gives common sense adviceenCopyright Rick Liuag (C/O Blogtalkradio)Sat, 15 Jun 2019 19:00:00 GMTFri, 19 Feb 2016 14:00:00 GMTFinanceBlogTalkRadio Feed v2.0https://dasg7xwmldix6.cloudfront.net/hostpics/72e4bd32-bfb2-4aae-9be6-34606266dd01_safe-money-talk-podcast.jpghttp://www.blogtalkradio.com/safemoneytalkRetirement savings and income specialist Rick Liuag discusses the current threats to American's retirement savings and gives common sense advicefeeds@blogtalkradio.comBlogTalkRadio.comobamacare,planning-for-obamacare,obamacare-business-owners,all-about-obamacare,seniors,retirement,retirement-savingsSafe Money TalknoRetirement savings and income specialist Rick Liuag discusses the current threats to American's retirement savings and gives common sense adviceepisodichttp://www.blogtalkradio.com/safemoneytalk/2016/02/19/rick-liuag-everyone-needs-these-financial-vehicles-for-a-safe-retirementFinancehttp://www.blogtalkradio.com/safemoneytalk/2016/02/19/rick-liuag-everyone-needs-these-financial-vehicles-for-a-safe-retirement/#commentshttp://www.blogtalkradio.com/safemoneytalk/2016/02/19/rick-liuag-everyone-needs-these-financial-vehicles-for-a-safe-retirementFri, 19 Feb 2016 14:00:00 GMTRick Liuag: Everyone Needs These Financial Vehicles For A Safe RetirementLearn more about to protect your wealth:  Visit www.obamacareuncovered.com and get free resources you can use right now.   In this episode of Safe Money Talk, Rick discusses the distinct phases of a person's financial life and why the s mustrategies used in these phases must be distinctly different. According to Liuag, many Americans are getting the wrong information from their advisors as to how best to avoid making mistakes when planning their financial futures; mistakes from which they may never be able to recover. If you or someone you know is near retirement, you simply must know and understand ALL the avenues open to you for making your retirement safer and more prosperous. 00:45:00Safe Money Talknosafe-money,retirement,retire-without-worrry,truth-about-annuities,truth-about-life-insurance...why it's better to better to be safe than sexy when it comes to your financial future...http://www.blogtalkradio.com/safemoneytalk/2015/12/24/better-ways-to-protect-your-cash-flow-and-retirement-savingsFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/12/24/better-ways-to-protect-your-cash-flow-and-retirement-savings/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/12/24/better-ways-to-protect-your-cash-flow-and-retirement-savingsThu, 24 Dec 2015 09:00:00 GMTBetter Ways to Protect Your Cash Flow and Retirement SavingsFree resources for business owners and seniors:  http://www.obamacarareuncovered.com In this episode, Rick takes another look at why annuities and life insurance get bum raps and why now, more than ever, they can provide a safe mechanism for retaining the use, liquidity, and control of your savings. If you are a senior, how much money can you comfortably afford to LOSE in retirement?  If you are like most people, the answer to that is NONE. Who wants to willingly expose their nest egg to risk when they are over 65? What happens when a senior DOES lose money on Wall Street?  Will they EVER be able to recover? Why does OBAMACARE pose the greatest risk to retirement? (greater than even a market downturn!) Author and Obamacare expert Rick Liuag takes on these and other crucial money topics and reveals his startling conclusion about just how vulnerable your money is in these troubling economic times.     00:48:00Safe Money Talknoobamacare,#obamacare,obamacare-medicare,medicare,seniors-medicareRick talks about why annuities and life insurance are still good choices... in spite of what the pundits say.http://www.blogtalkradio.com/safemoneytalk/2015/12/16/what-suze-orman-and-dave-ramsey-dont-understand-about-safe-moneyFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/12/16/what-suze-orman-and-dave-ramsey-dont-understand-about-safe-money/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/12/16/what-suze-orman-and-dave-ramsey-dont-understand-about-safe-moneyWed, 16 Dec 2015 07:00:00 GMTWhat Suze Orman and Dave Ramsey Don't Understand About Safe Money...http://www.obamacareuncovered.com  800-568-3817.  Call for your free Obamacare Survival Kit today! With so much confusing advice about saving and investing, it's no wonder that some people are simply too overwhelmed to make good decisions when it comes to their money. In this episode, Rick warns business owners, retirees and pre-retirees against taking bad advice from financial gurus and entertainers; many of whom are close minded and myopic when it comes to protecting your money.  Advice given by people like Suze Orman and Dave Ramsey fails to give listeners an accurate assessment of the power of annuities and life insurance to provide both liquidity and safety for many Americans. Rick discusses what Ramsey and Orman have wrong when they advise their viewers and listeners against buying life insurance and annuities, and why for many people these powerful financial tools may mean the difference between life and death. If you're confused about what to do to protect your money in troubled times, you don't want to miss this episode of the only show around that brings you the UNVARNISHED, "un-spun" truth about how to keep your hard-earned savings from getting torpedoed by bad and incomplete advice. FILE UNDER: #howobamacareimpactsseniors, Obamacare and business owners, truth about annuites, truth about life insurance. 00:47:00Safe Money Talkno#obamacare,obamacare-retirement,truth-about-life-insurance,truth-about-annuities,dave-ramseyFinancial pundits like Dave Ramsey and Suze Orman are smart people. So why are they so wrong about life insurance, annuities, and other safe money products?http://www.blogtalkradio.com/safemoneytalk/2015/12/09/obamacare-uncoveredthousands-lose-coverage-more-to-followFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/12/09/obamacare-uncoveredthousands-lose-coverage-more-to-follow/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/12/09/obamacare-uncoveredthousands-lose-coverage-more-to-followWed, 09 Dec 2015 08:00:00 GMTObamacare Uncovered:Thousands Lose Coverage, More to FollowYou don't want to miss this special podcast!  (free companion materials at http://www.obamacareuncovered.com) Safe Money host Rick Liuag digs down deep, past the politics and punditry,into Obamacare to discover how REAL people and REAL businesses are being affected every day. The stories from the field are shocking and frightening.  No matter if you are a senior on Medicare, business owner, self-employed person, or just an individual who is trying to comply with the law, you need to heed the warnings presented by these real life stories of people like you who thought their health insurance issues were a thing of the past. Rick's research is turning up case after sad case of ordinary people whose lives are being ruined byunaffordable health insurance and lack of access to qualit care. The scenarios play out every day across the nation and are the complete opposite of what #Obamacare promised to deliver. Listen now to discover: Why nearly 350,000 Texans suddenly find themselves with NO COVERAGE AT ALL with few alternatives. The sad stories of two cancer patients whose lives are in jeopardy because their cancer specialists are now "out of network. Why one man, who always paid his health insurance premiums and did everything he was supposed to do, now faces out-of-pocket costs of up to $70,000. These stories are far from rare... and are coming soon to a network near you according to Rick. Fortunately, there ARE things you can do to stack the odds in your favor, and we'll discuss those options as well.       00:49:00Safe Money Talknoobamacare,obamacare-horror-stories,obamacare-texas,obamacare-lost-coverage,obamacare-shrinking-networksRick takes a look, right now, at what's happening to hundreds of thousands of Obamacare policy holders across the nation.http://www.blogtalkradio.com/safemoneytalk/2015/12/02/surviving-obamacare-what-health-agents-arent-telling-businessesFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/12/02/surviving-obamacare-what-health-agents-arent-telling-businesses/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/12/02/surviving-obamacare-what-health-agents-arent-telling-businessesWed, 02 Dec 2015 07:30:00 GMTSurviving Obamacare : What Health Agents Aren't Telling Businesseshttp://www.obamacareuncovered.com If you own a business, regardless of how many employees you have, you MUST listen to this podcast.  It will save you tons of money and heartache as you deal with both the intended and UNINTENDED consequences of Obamacare. Business owners simply ARE NOT being told the whole truth about what their options are for dealing with the Affordable Care Act in 2016...and beyond.  In this special episode, Rick and his guests examine the REAL LIFE impact of Obamacare on business owners as they struggle to avoid landmines that threaten to bankrupt them. In this information-packed episode, Rick explodes myths that health benefits agents have a vested interest in spreading, such as: 1. If you have over 50 employees (FTE)  you have no choice but to offer group health. 2. You don't need to worry if you have fewer than 50 employees. (the shocking truth is that smaller businesses may actually face the HIGHEST FINES OF ALL!  Rick tells you about a fine that could affect over 500,000 business owners with fewer than 50 employees.) 3. Whyhaving a group plan will be a regulatory nightmare for most business owners. And more valuable insights into the regulatory business wrecker known as Obamacare. You'll hear from two experts: a consultant who is helping businesses find their way throught the Affordable Care Act.and a benefits agent who shows you that while your state might be in a better position with Obamacare for the moment... it won't last! If you own or run a business, this could very well be the most important podcast you'll hear all year.  Don't miss it!  For more free resources visit www.obamacareuncovered.com 00:47:00Safe Money TalknoObamaCare Explained,obamacare-business-owner-regulations,obamacare-fines-business-owners,plan-obamacare-without-going-broke,business-owners-health-insurance2016 is the year of reckoning for business owners. They HAVE to deal with Obamacare now or face financial loss.http://www.blogtalkradio.com/safemoneytalk/2015/10/21/why-seniors-and-business-owners-must-plan-for-obamacareFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/10/21/why-seniors-and-business-owners-must-plan-for-obamacare/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/10/21/why-seniors-and-business-owners-must-plan-for-obamacareWed, 21 Oct 2015 08:00:00 GMTWhy #Seniors and Business Owners Must Plan for Obamacarehttp://www.obamacareuncovered.com In this episode, Rick goes deeper into just why Obamacare could ruin seniors' and business owners' financial plans... and what to do to ensure you don't get tripped up on the Affordable Care Act's many moving parts. He also asks the question: "If you are over 55 what in the WORLD are you doing exposing your savings to market risk?"  Segment three examines the myths surrounding adding solar power to your home, who should consider doing so, and how millions of people now have energy bills that are less than $5! File under: solar-power, health-insurance, obamacare-requirements-business owners, obamacare, obamacare-medicare, how-fund-life-insurance 00:48:00Safe Money TalknoIn this episode.. why are you STILL in the stock market?, Obamacare revelations, and solar savings...http://www.blogtalkradio.com/safemoneytalk/2015/10/14/safe-money-talk-why-obamacare-matters-to-your-finances-and-risk-free-savingsFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/10/14/safe-money-talk-why-obamacare-matters-to-your-finances-and-risk-free-savings/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/10/14/safe-money-talk-why-obamacare-matters-to-your-finances-and-risk-free-savingsWed, 14 Oct 2015 14:00:00 GMTSafe Money Talk: Why Obamacare Matters To Your Finances and... Risk-Free SavingsGet your free Obamacare "bootcamp" video training.  Call toll free 800.274.3894 or visit www.obamacareuncovered.com In this week's episode host Rick Liuag helps you discover just why Obamacare has the potential to devastate seniors on Medicare and business owners.. and offers some risk-averse ways to keep your income intact. Many people think #obamacare won't affect them and are blindsided when they encounter higher health insurance premiums, less coverage, and the potential for bankruptcy due to out of pocket medical costs. As more of the Affordable  Care Act is revealed, it has become obvious that all Americans need to protect their savings against erosion from Obamacare.    Rick gives seniors on Medicare, pre-retirees, and business owners sound ways to ensure that Obamacare does not eat up their life savings. 01:01:00Safe Money Talknoobamacare,obamacare-seniors,obamacare-business-owners,#affordable-care-act,learn-more-obamacareAll Americans need to learn more about Obamacare and the impact on their money.http://www.blogtalkradio.com/safemoneytalk/2015/10/08/the-1-mistake-seniors-make-with-their-money-andthe-threat-posed-by-obamacareFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/10/08/the-1-mistake-seniors-make-with-their-money-andthe-threat-posed-by-obamacare/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/10/08/the-1-mistake-seniors-make-with-their-money-andthe-threat-posed-by-obamacareThu, 08 Oct 2015 08:00:00 GMTThe #1 Mistake Seniors Make With Their Money and...The Threat Posed By ObamacareSeparate Obamacare politics from Reality.  Get free resources and information here: http://www.obamacareuncovered.com  800-568-3817Safe money strategist and Obamacare expert Rick Liuag helps #seniors and business owners learn how to protect their savings and ensure an income they can't outlive. In this all-new episode, Rick explains what he thinks the #1 mistake seniors make when planning for retirement and how to correct it.  He also interviews an expert on health insurance who believes that there is no reason most employers will want to continue offering health benefits. A successful retirement is all about planning, protecting, preserving and prolonging.  The more you learn about the threats to your nest egg, the more you will discover that conventional ways of money management just aren't working in the 21st Century. Learn how you can get a free copy of Rick's new book, "You're Gonna Need a Bigger Boat." (USA ONLY) 800-568-3817   00:49:00Safe Money Talkno#obamacare,obamacare,obamacare-medicare,medicare-planning,safe-money-investingLearn the difference between risk and savings... and why Obamacare could wipe you out...http://www.blogtalkradio.com/safemoneytalk/2015/06/24/what-every-american-senior-needs-to-hear-about-their-retirement-savingsFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/06/24/what-every-american-senior-needs-to-hear-about-their-retirement-savings/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/06/24/what-every-american-senior-needs-to-hear-about-their-retirement-savingsWed, 24 Jun 2015 10:00:00 GMTWhat EVERY American Senior Needs to Hear About Their Retirement SavingsIn this episode of Safe Money Radio with Rick Liuag, Rick pulls back the curtain and helps you discover the things you ABSOLUTELY MUST hear about your retirement savings.  These are truths that your health insurance agent, financial advisor, or even your CPA won't tell you. In this episode, Rick gives you practical common sense advice about a better alternative to long term care insurance, how to protect your retirement savings from a catastrophic medical expense due to Obamacare, and WHY losing money in your retirement savings is more devastating AFTER you retire than before. Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book. 00:57:00Safe Money Talknoretirement,retirement-savings,obamacare,planning-obamacare,senior healthcare.Are you ready for the threats that could derail YOUR retirement?http://www.blogtalkradio.com/safemoneytalk/2015/06/21/why-obamacare-poses-the-greatest-threat-ever-to-americans-retirement-savingsFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/06/21/why-obamacare-poses-the-greatest-threat-ever-to-americans-retirement-savings/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/06/21/why-obamacare-poses-the-greatest-threat-ever-to-americans-retirement-savingsSun, 21 Jun 2015 08:00:00 GMTWhy Obamacare Poses the Greatest Threat EVER to American's Retirement Savings"Yes, Virginia, Obamacare WILL affect your retirement and your Medicare..." For years, Americans have been told by their financial advisors that their health insurance situation would be "cured" as soon as they reached the promised land of Medicare.  And... for a long time, this was true. Unfortunately, the Affordable Care Act is rapidly changing that. Many seniors were lulled into a false sense of security when Obamacare rolled out.  In fact, there were many politicians and pundits who claimed that there would be virtually NO impact to seniors on Medicare due to this.   "Don't worry.  Obamacare has nothing to do with you seniors.  We won't ever mess with Medicare." Unfortunately, that reassurance turned out to be far from the reality. In this episode of Safe Money Radio with Rick Liuag, Rick warns Americans about what he considers to be the greatest risk ever to their retirement savings, Obamacare. In this power packed hour show, Rick explains in detail how and why Obamacare poses the greatest threat of all to American's retirement savings and gives you practical common sense advice about how to protect your retirement savings.  Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book.   00:57:00Safe Money Talkno#medicare,medicare,#obamacare,obamacare-impact-seniors,all about obamacare"Yes, Virginia, Obamacare WILL affect your retirement and your Medicare..." For years, Americans have been told by their financial advisors that their health ihttp://www.blogtalkradio.com/safemoneytalk/2015/06/16/how-and-why-the-stock-market-is-rigged-against-you-1Financehttp://www.blogtalkradio.com/safemoneytalk/2015/06/16/how-and-why-the-stock-market-is-rigged-against-you-1/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/06/16/how-and-why-the-stock-market-is-rigged-against-you-1Tue, 16 Jun 2015 16:00:00 GMTHow and Why the Stock Market is Rigged Against You"If the system isn't rigged, then why are insolvent banks and bankers protected from the creative destruction of capitalism that befalls John Q. Citizen when his risky bets go bad? Why do we as a nation keep insisting the Emperor's new clothes are splendid when he is in fact parading around buck-naked?" - Charles Hugh Smith (oftwominds.com) Do you ever catch yourself feeling as if you will NEVER have enough money to retire,even though you've done everything the "experts" told you to do? It might not be your fault... In this episode of Safe Money Radio with Rick Liuag, Rick explains how and why the financial markets, including the stock market are rigged against everyday Americans and how Wall St. is poised to take your hard earned money and what you can do to protect yourself. Rick exposes the REAL threats today to American’s retirement savings and what you can do to immunize your nest-egg from them. If you're concerned about the volatility of the world financial markets and how that might threaten your retirement nest-egg then you can't afford to miss this episode! Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book. 00:57:00Safe Money Talknowall -street-rigged,wall-street-scams,banking-scams,financial-meltdown,stock market"If the system isn't rigged, then why are insolvent banks and bankers protected from the creative destruction of capitalism that befalls John Q. Citizen when hihttp://www.blogtalkradio.com/safemoneytalk/2015/06/07/an-essential-tool-everyone-should-have-in-their-retirement-savingsincome-planFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/06/07/an-essential-tool-everyone-should-have-in-their-retirement-savingsincome-plan/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/06/07/an-essential-tool-everyone-should-have-in-their-retirement-savingsincome-planSun, 07 Jun 2015 15:00:00 GMTAn Essential Tool Everyone Should Have in Their Retirement Savings/Income PlanFixed indexed annuities...   At best, they aren't seen as being a sexy way to plan for retirement income.  At worst, they are derided by financial entertainers like Suzy Orman and Dave Ramsey as being a poor planning choice.    Income and retirement expert and author Rick Liuag believes that assessement is just plain wrong. He says there is a ton of wrong information floating around about #fixedindexedannuities.  In this show, Rick want to set the record straight about fixed indexed annuities and why everyone who wants to have a safer, more secure retirement should consider them as part of their retirement game plan. In this episode of Safe Money Radio with Rick Liuag, Rick describes in detail how today's Fixed Indexed Annuities work, why the are a prudent choice for the portion of your retirement savings you cannot afford to lose for ANY reason, and why detractors mistakenly recommend against having annuities as a foundation for retirement savings plans. If you're concerned about the volatility of the world financial markets and how that might threaten your retirement nest-egg then you can't afford to miss this episode! Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book.   00:56:00Safe Money Talknorick liuag,Obamacare,Affordable Care Act,Medicare,Retirement PlanningFixed indexed annuities...   At best, they aren't seen as being a sexy way to plan for retirement income.  At worst, they are derided by financial entertainershttp://www.blogtalkradio.com/safemoneytalk/2015/05/31/the-600-pound-gorilla-in-the-room-no-senior-wants-to-talk-aboutFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/05/31/the-600-pound-gorilla-in-the-room-no-senior-wants-to-talk-about/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/05/31/the-600-pound-gorilla-in-the-room-no-senior-wants-to-talk-aboutSun, 31 May 2015 08:00:00 GMTThe "600 pound gorilla" in the room no senior wants to talk aboutDiscover for yourself how Obamacare will change your retirement plans...more than anyone in Washington is willing to admit.  For a limited time you can get Rick's new book"You're Gonna Need A Bigger Boat:How Obamacare Threatens Americans' Retirement Savings FREE by calling 855-340-SAFE (7233) In this episode, Rick asks the question: Is long term care insurance really the best or ONLY choice when it comes to planning for nursing home care? Statistics prove 1 out of every 2 Americans will spend some time in a nursing home. Yet even with those statistics only 5 out of every 100 American seniors have a long term care policy. In this episode of Safe Money Radio with Rick Liuag, Rick explains why long term care insurance is not the best choice for your long term care protection and why. He introduces his listeners to a new and better alternative to traditional long term care insurance that will not only provide better long term care benefits but protect you money at the same time. Also in this episode Rick explains why Obamacare creates the greatest threat every to American retiree's retirement savings and why, along with practical common sense advice on how to protect yourself from the negative repurcussions of the new law. Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  Call 1-855-340-7233 to arrange a consultation with Rick or to get a copy of his latest book. File under: #longtermcareinsurance, long-term-care, senior issues, retirement planning,     00:57:00Safe Money TalknoRick Liuag,Obamacare,Safe Money Radio,retirement income planning,MedicareDiscover for yourself how Obamacare will change your retirement plans...more than anyone in Washington is willing to admit.  For a limited time you can get Rickhttp://www.blogtalkradio.com/safemoneytalk/2015/05/24/the-biggest-mistake-retirees-make-with-their-retirement-savingsFinancehttp://www.blogtalkradio.com/safemoneytalk/2015/05/24/the-biggest-mistake-retirees-make-with-their-retirement-savings/#commentshttp://www.blogtalkradio.com/safemoneytalk/2015/05/24/the-biggest-mistake-retirees-make-with-their-retirement-savingsSun, 24 May 2015 08:00:00 GMTThe Biggest Mistake Retirees Make with Their Retirement SavingsIn this inaugural podcast, author, asset protection and retirement income advisor Rick Liuag discusses foundational truths about money that will help retirees and pre-retirees avoid making mistakes that could mean less quality of life in retirement. Rick addresses the importance of distinguishing between an investment strategy and a saving strategy.  It's critical to know the difference if you want to design a sound retirement income plan. Rick also discusses some of the biggest threats seniors face when it comes to retiring, including the impact of Obamacare on Medicare.  Seniors who are not prepared for this very real threat may find their retirement savings being wiped out due to an unexpected catstrophic medical expense. Don't miss this episode! Rick Liuag, author of "What You Can Do If  Can't Afford the New Obamacare Health Plans" and "You're Gonna Need A Bigger Boat: How Obamacare Threatens Your Retirement Savings," is president of Rick Liuag Insurance Agency.  He advises seniors and business owners nationwide on how to protect, preserve and prolong their retirement savings.  http://rickliuagagency.com   00:57:00Safe Money Talknorick-liuag,#obamacare,obamacare-seniors,ACA,Medicare issuesIn this inaugural podcast, author, asset protection and retirement income advisor Rick Liuag discusses foundational truths about money that will help retirees a