Matthew R. Harris (aka Safe Money Matt)
Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰
Safe Money Weekly - 1.23.26
Happy Friday Reader! Just a quick reminder from last week — I quietly rolled out a brand-new website that I had built as a free, growing resource hub for smarter, more confident retirement decisions. It brings 300+ of my blogs into one place (no paywalls), lays out my retirement income philosophy in more detail, answers many of the FAQs I get every day, and includes real client stories, and resources I’ll keep expanding over time. 👉 Your New Retirement Resource Hub Now as usual, all of the...
🎉 A Small (But Important) Update I’m Excited to Share
Happy Friday Reader! 🎉 A Small (But Important) Update I’m Excited to Share Over the past few months, I’ve been quietly working on something I built specifically for you all — a new website designed to be a free, growing resource-hub for anyone trying to make smarter, more confident retirement decisions. I invested the time and resources to work with a great team so this could be easier to navigate, more useful, and more resourceful in an ongoing way. You can now read 300+ of my blogs for free...
Safe Money Weekly - 01.09.26
Happy Friday Reader! Below is a weekly recap of my recent videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Popular Recent Videos (all 1 min. or less): [Case Study] 58-year-old Couple Increases Retirement Income by $3,700/month (with a few small portfolio & spending tweaks) [Tax Planning] The 4 Key Forces That Quietly Compound Your Lifetime Tax Bill [RMD Management] 4 Smart Ways to Reduce...
Safe Money Weekly - 12.05.25
Happy Friday Reader! Below is a weekly recap of my recent videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Popular Recent Videos (all 1 min. or less): [Case Study] 58-year-old Couple Wants $12k/month in Retirement (AND a $1M Legacy for their Grandkids) [Retirement Planning] The Formula That Virtually Guarantees You Will Have Enough Saved for Retirement [Case Study] My Wife and I are 60 with...
Safe Money Weekly - 11.21.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). New Videos This Week (all 1 min. or less): [Case Study] How This 60-year-old Couple Increased Their Safe Retirement Income by 37% (without hurting their legacy) [Tax Planning] The REAL RMD Trap No One is Talking About (and how it can severely damage your portfolio during market...
Safe Money Weekly - 11.14.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). New Videos This Week (all 1 min. or less): [Tax Planning] Why Every High-Earner Should Start the 5-year Roth IRA Clock Right Now [Case Study] 55-year-old Couple Boosts Retirement Income by Nearly 50%! (with a few small tweaks) [Case Study - Long-term Care] How This 58-year-old...
How Much Can You SAFELY Spend in Retirement? - Safe Money Weekly - 11.7.25
Happy Friday Reader! How Much Can You Safely Spend in Retirement? (Hint: It Could Be More Than You Think.) It’s one of the most important — and most misunderstood — questions retirees face: “How much can I actually spend each year... without running out of money?” Most people know the 4% Rule — the old rule of thumb that says you can safely withdraw 4% of your portfolio in year one of retirement, then increase it each year for inflation. It’s simple, historically reliable, and backed by...
Tax-Smart Income Planning - Safe Money Weekly - 10.31.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Tax-Smart Income Planning Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals).But, the 🔑 components to really take into consideration are:✅ Average lifetime tax rate✅ Total...
Tax-Smart Income Planning - Safe Money Weekly - 10.24.25
Happy Friday Reader! Below is a weekly recap of my most newest videos and blogs. As always, feel free to reach out to me directly if I can ever be a resource for you (via email, or through my social media channels). Tax-Smart Income Planning Tax planning - like all retirement planning, is something that should be reviewed annually (because tax laws change as do your retirement and legacy goals).But, the 🔑 components to really take into consideration are:✅ Average lifetime tax rate✅ Total...
A Quick Note from 12,000 feet! - Safe Money Weekly - 10.17.25
Happy Friday Reader! A Quick Note From 12,000 feet This week's newsletter comes to you from about 12,000 feet... I'm currently in the mountains of Colorado chasing elk through the thick timber, having only a slight idea what I'm (actually) doing, and very likely shivering from the freezing cold weather up here. That might not sound like fun to you... and I don't blame you... but this is easily one of my most cherished times of year. It's a chance to reset, breathe in the mountain air, and...
Retirement Planner Specializing in Safety-First Income Planning — protecting retirement savings, minimizing market risk, and creating lifetime peace of mind.💰 Tax-Efficient Income Strategies | Tax-free Wealth Transfer | Long-Term Care Planning | Social Security Optimization 📚 Author | 💕 Jesus Follower | ⚾️ Ex-NCAA Athlete 👇🏻Subscribe to Safe Money Weekly for simple, effective strategies to retire with confidence 📰