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Ep 388: Why Retirees with Guaranteed Income Spend More (and Are Happier!)

April 8, 2026
David McKnight explores a retirement planning phenomenon that almost nobody discusses, but that has been documented repeatedly in academic research. It's the idea that when retirees convert some of their savings into guaranteed lifetime income through an annuity, they actually spend more money and e...

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David McKnight
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David McKnight
David McKnight is a highly regarded speaker whose workshop The Power of Zero has been seen by thousands of Americans across the country. He has made frequent appearances on Bloomberg Radio, The New York Times, CNBC, Yahoo! Finance, Nasdaq.com, Reuters, Investor’s Business Daily and numerous other national publications. Most recently David was a main platform speaker at Forum 400, an annual gathering of the top 1% of financial advisors in the country. In the summer of 2014, he was a Focus Speaker at the annual world-wide meeting of the Million Dollar Round Table in Toronto, Canada.

All the Episodes

Ep 388
Why Retirees with Guaranteed Income Spend More (and Are Happier!)
April 8, 2026Duration: 08:55

David McKnight explores a retirement planning phenomenon that almost nobody discusses, but that has been documented repeatedly in academic research. It's the idea that when retirees convert some of their savings into guaranteed lifetime income through an annuity, they actually spend more money and e...

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Ep 387
The Best Tax-Free Account for Retirement
April 1, 2026Duration: 08:42

David McKnight touches upon what he considers the most overlooked tax-free income stream. What he's referring to is to leave enough money in your traditional IRA so that your required minimum distributions can be completely offset by your standard deduction in retirement. David believes that focusin...

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Ep 386
Convert to Roth… But Not TOO Much: The $400,000 Rule Explained
March 25, 2026Duration: 08:27

David McKnight addresses an issue he sees more and more in his conversations with retirees and pre-retirees: the so-called Roth over-conversion trap.  The problem stems from converting too much money with the result of shortening the lifespan of your retirement savings. David believes that the reaso...

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Ep 385
5 Years from Retirement? Here's Your Planning Blueprint
March 18, 2026Duration: 08:13

In this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement,...

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Ep 384
Which Retirement Accounts Should You Draw from First?
March 11, 2026Duration: 07:00

Today's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how lo...

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