Queer Money®: How Gay People Do Money

• Top 5 Cities in Portugal for Gay Retirees | Queer Money Ep. 596

  Portugal’s calling—and she’s wearing designer sunglasses. 🌈✨On this week’s Queer Money, we’re spilling the pastel de nata on the top 5 cities in Portugal for gay retirees. From the chic beaches of Cascais to the colorful streets of Lisbon, we cover where to live fabulously (and affordably-ish). But watch your wallets, darlings—new tax changes could have you paying more than you planned.We’ll break down what’s changing, how it could impact your Social Security and retirement income, and why you definitely need a tax pro before you pack your caftans.Which Portuguese paradise has a 10/10 Queer Money Retirement Rating? Tune in to find out—and start planning your escape.Takeaways:✅ The top 5 most LGBTQ+-friendly cities in Portugal for retirement—complete with costs, perks, and downsides✅ Portugal’s end to the Non-Habitual Resident tax regime and why it could mean a tax hit of up to 48%✅ How to avoid getting double-taxed on Social Security and retirement accounts✅ The Queer Money Retirement Ratings that help you compare your options at a glanceChapters:0:00 - Intro0:33 - Portugal tax changes3:30 - Series update4:17 - Porto5:58 - Lisbon8:42 - Lagos10:11 - Ericeira11:52 - Cascais13:58 - Wrap upDownload your free Happy Gay Retirement Calculator :Get the calculator here.Mentioned in this episode:💛 Ready to slay your retirement game?It's time to gather up those long-lost 401(k)s and 403(b)s like the financial Pokémon they are—with PensionBee! 🐝✨ PensionBee helps you find, combine, and invest your old accounts fabulously, with your own personal BeeKeeper guiding you every step of the way. Start building your Happy Gay Retirement—because queens don’t wing it, we plan it. 👑💼🐝 Consolidate My Retirement Accounts and Save Money with PensionBee

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• How Retire Early Using IRS Rule 72t | Queer Money

  The IRS Rule That Could Save Your Early Retirement (No, Seriously)Burned out? Laid off? Can’t sit through one more “All Hands” meeting where Todd from Accounting performs a spoken word about synergy? Honey, maybe it’s time to retire early—even if you didn’t plan to.This week on Queer Money®, we’re spilling the retirement tea 🍵 on a not-so-boring IRS rule with a Star Wars-sounding name: Rule 72(t). This little-known financial lifeline lets you tap your IRA or 401(k) penalty-free before 59½ if you're done-done (emotionally or professionally). Yes, the IRS will Cher slap you with a 10% penalty otherwise—but not with this rule, darling.We break down the 3 payment options with sass and strategy—from cautious queens to high-rolling honeys—and share how this rule might just be your early retirement Plan B.If you’re dreaming of sipping espresso in Porto instead of grinding at your desk, listen up. Rule 72(t) could be your official exit plan.Takeaways:What is IRS Rule 72(t)? A legit way to take early retirement withdrawals without the IRS penalty. Yes, it’s real. No, it’s not a droid.Three Queen-Approved Payment Plans:Required Minimum Distribution – For the cautious queens who want to test the waters.Fixed Amortization – For the dependable divas who love predictability.Fixed Annuitization – For high-rolling honeys who want more moolah now (but no take-backs, babes).You still pay taxes (because this isn’t RuPaul’s Tax-Free Fantasy Camp), but no 10% early withdrawal penalty is a big win.This rule works best if you’re 50–59½, have a chunk in retirement accounts, and truly need the income.WARNING: If you break the rule (even by $1), the IRS will come for you harder than a drag queen chasing a $20 tip. 💅Not for everyone – definitely consult your financial advisor or accountant (and maybe educate them in the process 👀).Feeling lemon-y about layoffs and burnout? This may be your early retirement lemonata.Chapters:0:00 - Intro0:43 - The T on Rule 72t2:08 - How Rule 72t works2:30 - The 3 Withdrawl Methods4:52 - Requirements to avoid the 10% penalty5:45 - Who this rule works best for7:29 - Wrap upGet your Happy Gay Retirement CalculatorDownload it here: queermoneypodcast.com/hgrcalcMentioned in this episode:💛 Ready to slay your retirement game?It's time to gather up those long-lost 401(k)s and 403(b)s like the financial Pokémon they are—with PensionBee! 🐝✨ PensionBee helps you find, combine, and invest your old accounts fabulously, with your own personal BeeKeeper guiding you every step of the way. Start building your Happy Gay Retirement—because queens don’t wing it, we plan it. 👑💼🐝 Consolidate My Retirement Accounts and Save Money with PensionBee

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• 5 Affordable Gay Retirement Havens in Mexico | Queer Money Ep. 594

  Top 5 Gay-Friendly Places in Mexico to RetireIn this episode of Queer Money®, we continue our global search for the best places for LGBTQ+ folks to retire — and this week, we're diving into México lindo. From beach towns to colonial gems, we’re counting down the top 5 gay-friendly cities in Mexico for retirement based on affordability, safety, community, and queer inclusivity.Find out why cities like Puerto Vallarta, Guadalajara, and San Miguel de Allende made the list, what each has to offer the LGBTQ+ community, and how much it costs to live there comfortably. Whether you want a bustling metropolis or a lakeside haven, Mexico may just be your retirement paradise.📌 Top Takeaways:#5: San Miguel de AllendeCharming, artistic, and walkable colonial town with a growing expat and LGBTQ+ presence.Rent for a 2BR averages $1,300/month.Queer Money Retirement Rating: 8/10#4: GuadalajaraMexico’s second-largest city with a strong queer scene, great food, and affordable living.Rent for a 2BR averages $1,000/month.Queer Money Retirement Rating: 8.5/10#3: Ajijic (Lake Chapala)Serene lakeside village with a tight-knit LGBTQ+ community and holistic vibe.Rent ranges from $950–$1,200/month.Cobblestone streets = strong ankles required!Queer Money Retirement Rating: 9/10#2: MéridaKnown for its safety, history, and growing queer inclusivity.Affordable cost of living and rich Yucatán culture.Rent for a 2BR averages $1,000/month.Queer Money Retirement Rating: 9/10#1: Puerto VallartaMexico’s undisputed gay capital with vibrant nightlife and beachside living.Rent for a 2BR starts around $1,200/month, but prices rise in Zona Romántica.Queer Money Retirement Rating: 10/10💬 Let us know what we got right (or wrong), or share your experience living in these cities. DM us on Instagram or leave a comment on YouTube.📍Want the full Queer Money Retirement Rating list?👉 QueerMoneyPodcast.com/citiesGet your Happy Gay Retirement CalculatorDownload it here: queermoneypodcast.com/hgrcalcMentioned in this episode:💛 Ready to slay your retirement game?It's time to gather up those long-lost 401(k)s and 403(b)s like the financial Pokémon they are—with PensionBee! 🐝✨ PensionBee helps you find, combine, and invest your old accounts fabulously, with your own personal BeeKeeper guiding you every step of the way. Start building your Happy Gay Retirement—because queens don’t wing it, we plan it. 👑💼🐝 Consolidate My Retirement Accounts and Save Money with PensionBee

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• Retire Fabulously: The 5-Step Gay Retirement Planning Guide | Queer Money Ep. 593

  Retirement Isn’t Just for Chads & KarensLet’s be honest—when most folks picture retirement, it’s usually a straight couple named Chad and Karen sipping Chardonnay in Scottsdale. Cute for them. But what about you—still fabulous at 67, maybe rocking a part-time gig at a queer-owned café because your bank account missed the memo that you were done working?On this week’s Queer Money, we’re ditching the tired, hetero retirement fantasy and giving you the real tea on how queer folks can retire fabulously (and actually afford it). We’re serving up a 5-step no-BS framework to take you from “fabulously stressed” to “financially fierce.”Whether you’re figuring out your retirement number, learning how to pay your future self first, or just trying to make peace with the word “budget,” we’ve got you. Because your golden years shouldn’t be basic—or broke.Retirement isn’t one-size-fits-all, especially for our community. So let’s stop trying to live someone else’s dream and start planning for yours. The goal? A future that fits you like your favorite pair of perfectly broken-in jeans. Or leather pants. We don’t judge.🎯 5 Steps to Go From Fabulously Stressed to Financially FabulousKnow Your Number 👛 - Guessing doesn’t cut it. Use the Happy Gay Retirement Calculator to figure out how much you need for the life you want.Pay Your Future Self First 💸 - Even $25 a paycheck adds up. Start now so your 65-year-old self can sip cocktails, not stress.Ditch Chad & Karen’s Plan ❌ - You’re not straight. Your retirement shouldn’t be either. Build a plan that fits your life.Lasso Your Accounts 🤠 - Round up those stray 401(k)s. One place. One plan. So much easier to manage.Pick Your Paradise 🏖️ - Palm Springs? Portugal? Start researching now so you can retire where you’ll live your best life.Chapters0:00 - Intro2:04 - Step 1 - Know your retirement number4:05 - Step 2 - Pay your future self first6:22 - Step 3 - Skip the straight benchmarks8:21 - Step 4 - Consolidate retirement accounts9:22 - Step 5 - Pick your gay paradise10:30 - Wrap upGet your Happy Gay Retirement CalculatorDownload it here: queermoneypodcast.com/hgrcalcMentioned in this episode:💛 Ready to slay your retirement game?It's time to gather up those long-lost 401(k)s and 403(b)s like the financial Pokémon they are—with PensionBee! 🐝✨ PensionBee helps you find, combine, and invest your old accounts fabulously, with your own personal BeeKeeper guiding you every step of the way. Start building your Happy Gay Retirement—because queens don’t wing it, we plan it. 👑💼🐝 Consolidate My Retirement Accounts and Save Money with PensionBee

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• The 5 Best Gay Cities to Retire in Spain | Queer Money Ep. 592

  Where are the Best Gay Retirement Cities in Spain?Hola, Spain! You voted, we listened—and this week, we’re heading to the land of tapas, Gaudí, and gay beaches to reveal the Top 5 Cities in Spain for Gay Retirees!From Malaga's chill beach vibes to Barcelona’s big gay energy, we’re breaking down:🌈 The LGBTQ+ scene in each city💸 Rent and cost of living🏳️‍🌈 Our Queer Money® Retirement RatingAnd, of course, our favorite perks (hi, Bear Week in Sitges 🐻💦)Spoiler alert: You can see Africa from your house, and yes, the best paella is in Valencia.Whether you're dreaming of mañana mornings or plotting your fabulous early retirement, this is your Spanish gaycation starter pack. 🌴💃🎧 Episode 592 is brought to you by PensionBee—helping you consolidate those old 401(k)s so you can plan your Happy Gay Retirement with ease. 🐝📲 Tap that subscribe button, share with your wanderlust-y queer friends, and grab your Happy Gay Retirement Calculator in the episode description.Next up: Mexico! But for now… stay fabulous. ✨Takeaways:🗣️ Pro tip: Don’t be that American - Want the full Spanish fantasy? Learn the language. It’s sexy and respectful.🏖️ Malaga = sun, culture, and cheap rent—but bring your Spanish dictionary - This coastal cutie is wallet-friendly, but English isn’t widely spoken. Time to practice those rolling R’s!🍊 Valencia is laid-back luxe - It’s giving: beachy, artsy, and unapologetically queer—with fewer crowds and more charm than the big cities.🎨 Madrid has it all—museums, parks, nightlife, and Pride with a capital P - Just watch for some recent political shade trying to dim its sparkle.Sitges is cute and uber gay - the small beachside town south of Barcelona where we gayed it up for three months in 2019🏙️ Barcelona is big, bold, and fabulously gay - You’ll pay more for the privilege, but the culture, community, and queer life? Chef’s kiss.Chapters:0:00 - Intro - Don't be that American0:25 - Malaga - Affordable and expat-friendly2:13 - Valencia - Gorgeous and big4:30 - Madrid - Packed with gays, the capital in the center of the country and hot, hot hot6:52 - Sitges - The gay mecca of Europe and host of International Bear Week every September9:37 - Barcelona - Arts, culture, beaches and a gay nightlife to please just about any gayMentioned in this episode:💛 Ready to slay your retirement game?It's time to gather up those long-lost 401(k)s and 403(b)s like the financial Pokémon they are—with PensionBee! 🐝✨ PensionBee helps you find, combine, and invest your old accounts fabulously, with your own personal BeeKeeper guiding you every step of the way. Start building your Happy Gay Retirement—because queens don’t wing it, we plan it. 👑💼🐝 Consolidate My Retirement Accounts and Save Money with PensionBee

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