Best Mike Upland Podcasts (2025)

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5 Things to Sell BEFORE You Retire 9:18

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3d ago9:18

9:18

Retirement planning: 5 things to sell before you retire—downsize the house, cut support for adult children, ditch RV/boat “toys,” drop the second car, and release your work identity with my Keep-Sell-Swap test. If you want a calmer, freer retirement, subtraction beats addition. In this video I walk through five high-impact things to sell (or stop f…

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Epping Forest - Andy Froud - Pollarding and Nature 51:24

9d ago51:24

51:24

Andy's episode in second in our series of 4 podcasts about Epping Forest. This amazing 6000 acre ancient woodland and site of special scientific interest is literally cheek by jowl with the city of London - the woodland sits mainly between the London boroughs of Chingford and Epping - an area of woodland that rises not far from the city and travels…

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7 “Assets” Rich Retirees Avoid 8:38

10d ago8:38

8:38

Retirement planning, early retirement, money traps: timeshares, vacation homes, high-fee annuities, whole life insurance, long-term care insurance, high-yield bonds, high-fee active funds, cash flow, withdrawal rate. In this episode, we break down 7 “assets” rich retirees avoid—and why skipping them protects your cash flow and flexibility before an…

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Epping Forest - Tom Boughton - History and Culture 39:42

23d ago39:42

39:42

Tom Boughton's episode kicks off our series of 4 podcasts about Epping Forest. This amazing 6000 acre ancient woodland and site of special scientific interest is literally cheek by jowl with the city of London - the woodland sits mainly between the London boroughs of Chingford and Epping - an area of woodland that rises not far from the city and tr…

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How I Retired at 55: Do These 5 Things 21:28

24d ago21:28

21:28

I retired early at 55. In this episode I show exactly how to retire early with 5 proven keys to early retirement: the mindset that powers compounding, how to raise your savings rate, the income multiplier, simple investing with low-cost index funds, and retirement planning that avoids sequence-of-returns risk. If you want to retire early—or just bu…

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Series 5 Episode 9 - James Rebanks Upland Cumbrian Farmer 1:13:11

26d ago1:13:11

1:13:11

James needs little by way of introduction - he's well known for his views on farming and both his books and many broadcasts and interviews he's had on the subject. We were lucky enough to have worked with James on the farm with various hedge and tree planting events over the years. Enjoy an episode about farming planting trees and hedges and not lo…

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ACA MAGI: How to Calculate & Manage It for Big Savings! 16:56

1M ago16:56

16:56

ACA MAGI explained: how to calculate and manage Modified Adjusted Gross Income (MAGI) for Affordable Care Act (ACA) subsidies—step-by-step, with a free MAGI calculator to lower premiums and maximize premium tax credits/subsidies. In this episode, we calculate ACA MAGI step-by-step using a real early-retiree scenario and show you how to keep ACA pre…

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Series 5 Episode 10 - Coppice worker Lee Basset talks Sweet Chestnut 43:47

1M ago43:47

43:47

We meet coppice worker Lee Bassett on a Cumbrian farm talking about his work to bring farm woodlands back into economic use and value to farms. Given the increase in planting on farms we need to value wood on our farms either using it directly or for sale. Lee is especially interested in bringing sweet chestnut into use in Cumbria, and on this farm…

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Roth Conversions or ACA Subsidies? The Early Retirement Dilemma No One Talks About 11:11

1M ago11:11

11:11

Roth conversions vs. ACA subsidies is the early retirement dilemma no one talks about. If you’re planning for early retirement, you need to know how Roth IRA conversions can raise your MAGI and cost you ACA health insurance subsidies before Medicare. In this episode, I’ll break down the trade-off, show you real examples, and share strategies to bal…

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5 Things I Wish I Knew BEFORE Retiring Early at 55 8:38

2M ago8:38

8:38

Early retirement at 55 comes with financial and lifestyle challenges most people don’t expect. In this video, I share 5 things I wish I knew before retiring early, including lessons on retirement planning, healthcare costs, spending habits, and mindset shifts that can make or break your retirement years. Retiring early isn’t just about saving enoug…

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The Biggest Retirement Mistake? Working Past 60 7:34

2M ago7:34

7:34

Working past 60 might seem smart, but it could be the biggest retirement mistake you make. In this video, we reveal the hidden costs of working past 60 — from lost health years to missed financial opportunities — and how to find your perfect retirement timing. You’ll learn why the payoff for working longer can shrink after age 60, how taxes and Med…

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Series 5 Episode 8 - Ancient Woodland Walk with Maurice Pankhurst 53:44

3M ago53:44

53:44

In this episode we meet Maurice Pankhurst who spent his life working for nature and especially trees and woods. Maurice recently retired as the National Trust's forester for Borrowdale in the north of the English Lake District - and, for this interview, we meet him close to his home in Borrowdale for a walk in some of his favourite woods and trees.…

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One Big Beautiful Bill: 2025 Retirement Tax Shake-Up for Retirees & Future Retirees 9:20

3M ago9:20

9:20

Wondering how the 2025 tax law changes affect your retirement strategy? This video breaks down the One Big Beautiful Bill Act, a landmark tax bill signed into law by President Trump — and its HUGE implications for retirees, early retirees, and anyone planning for financial independence. 📌 Here’s what you’ll learn: 🏦 2025 retirement tax changes that…

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How to Tap Your IRA or 401(k) Early —NO IRS PENALTY! | Rule 72(t) Explained 8:17

3M ago8:17

8:17

Want early access to your 401(k) or IRA before age 59½ without getting slammed by the IRS 10% penalty? In this episode, I’ll walk you through the IRS Rule 72(t)—a little-known but completely legal loophole that allows penalty-free early withdrawals through SEPP (Substantially Equal Periodic Payments). This strategy could unlock your early retiremen…

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Series 5 Episode 7 - The Courtyard Dairy with Andy Swinscoe 58:02

3M ago58:02

58:02

Andy and Kathy Swinscoe have developed, from very small beginnings, a cheese retail business that now employs over 20 people in the heart of Yorkshire. The business has been located just outside Settle since 2017 and has grown to include the Cheese Shop, cheese production facility, museum and restaurant. Andy has spent a life in and around cheese b…

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Countdown to Retirement: Are You Really Ready to Take the Leap? 11:30

3M ago11:30

11:30

Are you really ready for retirement? As your retirement countdown begins, I reveal the critical steps you must take to ensure you're fully prepared to retire confidently and securely. From defining your retirement vision to setting a realistic retirement age, I cover everything you need to know for effective retirement planning. In this retirement …

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6 Reasons to Retire AS SOON AS YOU CAN! 11:48

3M ago11:48

11:48

Thinking about early retirement? Here are 6 powerful reasons to retire early—covering retirement planning, financial freedom, health, and why waiting longer could cost more than money. Whether you're close to retiring or just exploring the idea, these insights might change how you think about work, money, and time. Inspired by the popular topic “5 …

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The Top 10 Retirement Myths That Could Cost YOU Thousands! 22:44

4M ago22:44

22:44

Think you need $1 million to retire? That Medicare covers everything? Or that your expenses will drop after you stop working? In this episode of the Early Retirement Roadmap Podcast, I bust the top 10 retirement myths—with real data and practical advice. These are the beliefs that could seriously derail your plans and cost you thousands if you fall…

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Series 5 Episode 6 - Ecological Monitoring Mike Douglas 1:00:00

4M ago1:00:00

1:00:00

Mike has been ecologically monitoring habitat restoration sites for us for nearly a decade. He has shown to us several times over not just the value of monitoring change but also how, when you do monitor change after a habitat restoration project, nature responds rapidly.... but not always by the book! He has uncovered lots of positive changes that…

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🚨Roth Conversion Warning: Miss This 2025 Window, Regret It FOREVER! 11:58

4M ago11:58

11:58

🚨 Roth Conversion Warning: Miss This 2025 Window, Regret It FOREVER! In this episode, I break down why Roth conversions in 2025 are more important than ever—and how early retirees, those already retired, or those thinking about retirement could face massive tax regret if they don’t act soon. Whether you're already in early retirement or planning to…

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STOP Worrying About Running Out of Money in Retirement! 8:40

4M ago8:40

8:40

Are you constantly worried about running out of money in retirement? You’re not alone—and the good news is, the truth might surprise you! In this podcast, I reveal what most people get wrong about retirement spending, how rare it actually is to run out of money, and the real strategies that work—especially if you're retiring early. We’ll break down…

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How Much Do You REALLY Need to Retire on $10K a Month? 12:55

4M ago12:55

12:55

Want to retire on $10K a month? This episode shows exactly how much you need saved in 2025 and beyond—factoring in taxes, healthcare, inflation, Social Security, and investment risk. We’ll break down what it really takes to sustain $10,000 in monthly retirement income spending —whether you're aiming for early retirement, following the 4% rule (and …

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Will ACA Subsidies Disappear After 2025? What You NEED to Know! 6:00

4M ago6:00

6:00

⚠️ Are ACA subsidies really going away after 2025? If you're planning to retire early or already living off your investments, this could impact your healthcare costs in a big way. In this episode, I explain exactly what's happening with ACA subsidies in 2026—what's expiring, what's staying, and how you can still qualify for financial help through s…

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If You’re in Your 40s, 50s, or 60s: 25 Life Lessons from 70+ Year-Olds 11:50

5M ago11:50

11:50

If you're in your 40s, 50s, or 60s, listen to this! In this podcast, I share 25 life lessons from people over 70 — timeless wisdom for navigating midlife, retirement planning, relationships, purpose, and happiness. These life lessons are based on the powerful research of Dr. Karl Pillemer, author of 30 Lessons for Living, who interviewed over 1,000…

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Agroforestry Show Special with Soil Association's Rose and Steve 51:16

5M ago51:16

51:16

The second agroforestry show is coming to Woodoaks Farm, Maple Cross in Hertfordshire on 10th and 11th of September. Here at tree Amble we really support the bringing back together of trees and farming - particularly with all the benefits for animal welfare, productivity and nature that can be gained from well planned agroforestry systems. So, we w…

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How Your Kids Can Derail Your Retirement (Unless You Plan for It) 7:37

5M ago7:37

7:37

Many early retirees forget to factor in their adult children when planning retirement. From weddings and tuition to ongoing support, the financial impact can be substantial—especially when you no longer have a paycheck coming in. In this episode, I’ll walk you through how to plan for potential financial support, set healthy boundaries, and protect …

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Claim Social Security at 62, 67, or 70? The Answer May Surprise You! 9:45

5M ago9:45

9:45

Should you claim Social Security early, wait until full retirement age, or delay until 70? In this podcast, we walk through a real retirement case study and run the numbers to show how your claiming age affects your investments, taxes, and even your health insurance premiums. 📊 See why delaying may not always be the best choice—and how opportunity …

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Series 5 Episode 5 - Peter Livingstone Part 2 39:06

5M ago39:06

39:06

Part 2 of our conversation with Peter Livingstone at his not for profit tree nursery near Glasgow. We hear more about about the other species Peter is working on and more about his motivations, people and projects.By Peter Leeson

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How Early Retirees Can Pay WAY Less for Health Insurance! 12:46

5M ago12:46

12:46

Want to pay WAY less for health insurance in early retirement? This follow-up to my previous very popular video (link below in watch next) shows how smart retirees legally slash ACA premiums by strategically managing their income. You'll learn how MAGI impacts subsidies, and see real scenarios using Healthcare.gov. Don’t overpay for healthcare—plan…

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Retirement Stats That’ll Make You Rethink Working Another Year 7:07

5M ago7:07

7:07

Is working longer really worth it? In this episode, I break down 3 retirement stats and insights that could completely change the way you think about work, wealth, and health in retirement. If you're planning for early retirement, these numbers might just shift your whole retirement strategy. Here's what you'll learn: • Why 63.9 years is a critical…

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Series 5 Episode 4 - Aspen with Peter Livingstone of EADHA 1:24:32

5M ago1:24:32

1:24:32

As a younger man Peter got involved with remediating derelict land in Scotland's central belt. His work eventually exposed him to using trees to aid restoration and before long he discovered that aspen was used all over Europe for restoration but not at home. Research and grant aid later finds him collecting and growing aspen clones for planting on…

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Why You’re Closer to Early Retirement Than You Think 8:44

6M ago8:44

8:44

Are you wondering why it feels like everyone else is retiring early — and you're not? In this episode of Early Retirement Roadmap, we uncover the real reasons people delay early retirement, even when they have enough saved. Learn how to avoid the "one more year syndrome," stop chasing unrealistic retirement numbers, and discover 5 proven strategies…

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The $12,900 Health Insurance Loophole for Early Retirees! 11:19

6M ago11:19

11:19

What if you could save over $12,000 a year on healthcare—just by choosing the right account to withdraw from to fund your retirement? In this episode, I (early retiree and tax-planning nerd) break down the smartest way to structure your income before age 65 to maximize your ACA subsidy. You’ll learn why your taxable brokerage account might be your …

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Series 5 Episode 3 - Willow Legend and Basket Maker Phil Bradley 1:03:42

6M ago1:03:42

1:03:42

Mention Phil's name in West Cumbria and many folks will know him. He has created a wonderful community of people around him through his work as a basket maker and willow weaver. Phil grows willow and makes baskets but he also shares his knowledge widely and engages in many other willow related things - including river restoration! Phil is a complet…

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5 Retirement Regrets You’ll Want to Avoid 6:40

6M ago6:40

6:40

If you’re planning for retirement — or already enjoying your golden years — this episode is a must-listen. Dive into the five most common financial regrets retirees face, drawing from personal experience, hard-earned lessons, and recent data. From not saving early enough to underestimating healthcare costs, I break down how you can sidestep these p…

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What Vanishes When You Retire (And How to Get it Back!) 10:59

6M ago10:59

10:59

You’ve worked hard, saved diligently, and now retirement is here! But nobody warns you about the six major things that disappear the moment you leave the workforce. If you’re not prepared, these changes can hit harder than expected—but the good news? You can replace them with something even better! In this episode of Early Retirement Roadmap, I’ll …

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Thinking About Retiring Early in 2025? Think Again. 7:57

7M ago7:57

7:57

Planning for early retirement in 2025? Before you hand in your notice, this episode of Early Retirement Roadmap is your essential guide to navigating the biggest risks facing early retirees this year. In it, I break down three critical threats — sequence of returns risk, rising inflation, and high market valuations, yes, even with the market downtu…

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Series 5 Episode 2 Archaeologists Rose and Anwen 1:01:07

7M ago1:01:07

1:01:07

Rose, Anwen and I met at a farming conference and very quickly hit it off. We were all wondering why a tree lover and two archaeologists would spend a weekend talking about mob grazing and soils. Yet it is obvious really - learning about how we manage land reflects on where we have come from and how we might restore nature to farming once more. Ros…

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The Retirement Wake-Up Call: What the Study AND My Story--Reveals! 13:46

7M ago13:46

13:46

Thinking about early retirement or already living it? This episode is your wake-up call — and your roadmap. In this powerful and personal episode of The Early Retirement Roadmap, I talk about the retirement truths no one warns you about. Discover the real challenges behind the dream — from unexpected loneliness and identity loss to the surprising t…

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How a Mutual Index Fund Cost Me $17K in Taxes (And How to Avoid This Mistake) 11:44

7M ago11:44

11:44

Investing in index mutual funds sounds like a safe bet, right? Well, I thought so—until I got hit with an unexpected $17,000 tax bill. In this episode of Early Retirement Roadmap, I break down the hidden tax trap in taxable mutual funds and why an ETF might be the smarter choice. Plus, I’ll share how tax-loss harvesting helped me fix my mistake and…

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The Perfect Retirement Announcement: A Step-by-Step Guide 15:18

7M ago15:18

15:18

Planning to retire? Announcing your retirement isn’t as simple as picking a date and telling your boss—it’s about strategy, timing, and setting yourself up for success. In this episode of Early Retirement Roadmap, I’ll guide you through the complete retirement announcement process, so you can make a smooth, professional transition. 🌟 Here’s what we…

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Scared to Retire? Overcome Your RETIREMENT FEARS! 16:42

7M ago16:42

16:42

You’ve run the numbers, planned your finances, and dreamed of early retirement—but fear is still holding you back. You’re not alone! What if I run out of money? What about healthcare costs? Will I be bored? These fears are completely normal, and in this episode of Early Retirement Roadmap, I’ll help you tackle them head-on. 🌟 Here’s what you’ll lea…

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Series 5 Episode 1 Neil Heseltine 1:05:46

7M ago1:05:46

1:05:46

Neil and Leigh Heseltine farm in the North Yorkshire village of Malham - famous for its amazing geology and beautiful setting. Neil's journey into farming with nature, in fact farming nature, is fascinating. He has moved from farming sheep to farming cattle. He loves the landscape he has farmed all his life and it comes across in this episode.…

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The ONE Retirement Mistake That Could RUIN You! 11:29

8M ago11:29

11:29

You’ve saved up, planned carefully, and are ready to enjoy your retirement—so what could possibly go wrong? In this episode of Early Retirement Roadmap, host Mike Upland reveals a critical mistake that could drain your retirement savings faster than you expect: Sequence of Returns Risk. With today’s economic uncertainty—rising inflation, stock mark…

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Health Insurance Options for Early Retirement: What You NEED to Know 14:18

8M ago14:18

14:18

Thinking about early retirement but worried about health insurance? You’re not alone! Healthcare costs are one of the biggest reasons people delay retirement. But don’t let that stop you! In this episode of Early Retirement Roadmap, I break down all your options for staying covered before Medicare, including: ✅ COBRA – Keep your employer’s plan (bu…

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Retirement Tax Mistakes that Could Cost You Thousands! 13:36

8M ago13:36

13:36

💰 Are you unknowingly making tax mistakes that could drain your retirement savings? In this episode of Early Retirement Roadmap, host Mike Upland breaks down the biggest retirement tax traps and how to avoid them. 📉 Learn how improper IRA and 401(k) withdrawals can push you into a higher tax bracket, trigger unexpected Social Security taxes, and ev…

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Series 4 Episode 10 Glen Finglas Woodland Restoration 1:03:16

8M ago1:03:16

1:03:16

In this episode of Tree Amble we head up to Loch Lomond and the Trossachs National Park in Central Scotland to meet Hamish Thompson the Estate Manager of the Woodland Trust's largest single site Glen Finglas. Hamish and his team are responsible for managing over 4000 ha / 10,000 acres of ancient woodland, wood pasture, peat bog and mountain. This i…

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How Much Do You REALLY Need to Retire? 12:52

8M ago12:52

12:52

Retirement planning isn’t one-size-fits-all, and the question of “How much money do I REALLY need?” can feel overwhelming. But don’t worry—I’ve got you covered! In this episode of Early Retirement Roadmap, I’m diving deep into the essential factors that determine your retirement number, including: ✅ How to calculate your annual retirement spending …

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Ready to Ditch the 9-to-5? Your Early Retirement Checklist 12:07

8M ago12:07

12:07

Are You REALLY Ready to Retire Early? This Checklist Will Tell You! 🚀 You dream of ditching the 9-to-5 grind—but are you truly prepared to take the leap into early retirement? In this episode of Early Retirement Roadmap, host Mike Upland (early retiree at 55) walks you through the ultimate early retirement checklist—covering both financial and life…

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10 Powerful Reasons to Retire Early (Don't Wait Too Long!) 11:09

8M ago11:09

11:09

🚀 What if you could reclaim your time, health, and freedom—starting now? In this episode of Early Retirement Roadmap, host Mike Upland, a seasoned early retiree, shares 10 powerful reasons why retiring early might be the smartest move you can make. From prioritizing your health to maximizing your time, he breaks down how early retirement can lead t…