He Said She Said the Money Guide Podcast

Threats against the EU and Apple, the tax bill passes the house and heads to the Senate and it is time to do some estate planning. But be careful about the TOD on your house.

Say that 3 times fast… Bert and Ernie are moving to Netflix. Moody's downgraded US debt from the highest levels, Wal-Mart tariff fallout, investigations at United Healthcare and Empower adding private investment. Plus your crypto key or a finger, the stealthy wealthy and 7 year car loans.

It will change and it has a lot of holes but other than that… Plus $10K to nap. Zzzzz…

Man, Myth, Legend! College loans galore, earlier claims on social security and Microsoft takes a stand.

Yes, that somehow made the cut. Plus Trump vs Harvard, Trump vs J Powell, Trump vs the IRS, which now has its 5th head in 3 months. Plus plus YTD performance and possible relief for scam victims.

And Bears and Bulls, oh my.

Step 1: swallow the diamond earrings. Step 2: MENSA is off the table. Plus the US Treasury stopping paper checks, quarterly performance, an IPO and two bankruptcies. Plus plus where to get emergency cash.

Or does it. The markets are in correction territory, car prices could jump $4K, Harvard tuition waivers and a government spending limit. Plus a mortgage blacklist, hot coffee payout and landlords playing hardball.

The markets and tariffs and trade wars and recession fears. Rest easy – you can get a green card for only $5 million. Anyone know how much your spouse makes?

Actually, no. Reciprocal tariffs, DOGE access to the IRS and a flurry of houses on the market in the greater DC area. Plus the crypto guy who moved to Puerto Rico and how to protect yourself from Elon.  

Elon made a bid for OpenAI, the DOGE team is on the loose and one of them, a 19-year-old student, was fired from a cybersecurity team for leaking secrets. A few got wealthy from the Trump meme coin, but the majority got crushed. Plus getting in tough with your Congressperson is rough, Boomers are coming to the senior housing market and Cheryl is not happy with her home insurance renewal.

If this doesn't prove we're in the Wild West of Crypto, nothing will. The US is very rich but quite unhappy, Uncle Sam knows about your side hustle and EV owners getting hit with state fees. Good luck buying a home since nobody is interested in selling.

The Supreme Court upheld a ban on the app but Trump delayed it. Now what?  Trump meme coins soar, Harvard MBAs struggle to find a job and the SEC sues Musk over his Twitter purchase.

Better than a video. But a video might help with insurance. Fires in LA and the fallout, Nissan getting bailed out by Honda and Steve Ballmer invests {gasp} like we do.

Be serious – those predictions are all garbage. Plus out of control car payments, the quest for the perfect credit score and 4 million turning 65 this year. Plus plus the generous billionaire in trouble for not being generous enough.

An 80-hour work week for no pay? Halo effect for an assassin? Marathon flex on your resume? MicroStrategy in Nasdaq 100? Amazon selling cars? Fart Coin?

Performance Improvement Plans, year-end distributions, porch pirates, varying Medicare payments, 15% guarantees and Crypto. On the bright side, the market has been good so far and the Boston Marathon is finally making payments.

Seems Nvidia is more likely to move the stock market. The $6.2 million banana, $8 billion for Jersey Mike's, yield curve inversion (again) and 25% tariffs coming to a border near you. Plus Buffett's words of wisdom, taxes on your crypto, and fun with expense accounts.

Is the Trump Trade for real?  What about the Bitcoin run-up?  Some good news for teachers and how worried should you be about changes with student loans?  Social Security payments go up in 2025 but Medicare premiums go up more.

And it's hard to give it back. Super catch-up contributions and other odd provisions, Nvidia replacing Intel in the Dow, airport changes and more. By the way, did you know your will is public when you die?

Income bracket adjustments, increases to gifting amount and end of year tax moves. Plus a college guru who claims he will get your kid into Harvard and some acronyms that could impact your social security payments.

Another market high (yawn), the Fed bases their decisions on data {Gasp!}, an ungrateful heir (eye roll), plus casualty losses and accompanying tax benefits plus a social security bump.

Jay had a coughing fit while thinking his mic was muted, then spoke for awhile while it was inadvertently muted. Cheryl played charades trying to explain who knows what. And our hosts talked about finance stuff.

Not this year, anyway. But the first few hours of October are weak…Plus a market surge in China, heading back to the office and non-alcoholic champagne. Plus plus beware of callable CDs and collectors asking survivors to cover debts of family members.

It probably is, unless you're betting against Cheryl. Wild weekly market swings, impacts of the Fed rate cut and it might be time to switch banks. Plus Robinhood excessive options costs and renting vs. owning.

Is it the inverted yield curve or the un-inverted yield curve? Is it better for the market to have a Democrat or Republican in office? Plus college hunting season, Bezos real estate purchases and 0 day options mania.

No, that is not a typo. Over one-third of their employees are “filthy rich”. Plus, tax changes to come after the election, Powell and the Fed to cut rates and the new realtor commission schedules.

From cash to homes to colonoscopies for life. Plus a market update, income needed to buy a home in CA and the cost of a trip to Disney. Plus plus eyeball scans for AI and your credit score for dating apps. Alrighty then.

The rules have finally been clarified (mostly). How Kamala manages her money, the 401(k) rollover mistake costing billions and weighting whiplash. Plus parents of a teen driver sentenced as well.

Remain calm, folks.  This is exceptionally normal. Did the Fed wait too long? Is Jermey Siegel a drama queen? A scam wipes out a good Samaritan. Plus difficulty getting a large umbrella policy, boosting your kids' credit scores and withholding from social security.

Maybe but who cares? It's not newsworthy! The IRS is now focusing on the regular wealthy as opposed to uber wealthy. Plus free med school tuition at Johns Hopkins and 6% is the new 401(k) default.

Vanguard doesn't want you to call, Robinhood never wanted you to call and companies aren't taking checks. Title insurance may have the greatest margins EVER! Plus Nvidia replaced Enron in the S&P about 23 years ago. Will it meet the same fate?

Unless, someone steals your identity or you miss some estimated payments. Roaring Kitty – again. Plus watch out for the insurance costs for those EVs and maybe save money outside of your 401(k).

Please keep your IRA beneficiaries up to date. Stashing cash throughout the house, perjury from a hardship withdrawal, how $99 in bets costs nearly $740K and Apple joins the AI crowd. Plus more on inflation and Gamestop.

Or so it seems from the latest meme stock frenzy. Graceland to auction? Beware of the Augusta, student loan rates are increasing and the IRS is waiving penalties for failure to take distributions from inherited IRAs. Yes…again.

Market insanity around meme stocks and one stock ETFs. FTX account holders to be made whole (unless the hedge funds got to you first) and hospitals demanding payment before surgery. Plus the rent vs buy dilemma and the danger of winning the marathon and finding out years later.

Do we have a winner? It certainly is not the Oracle of Omaha. Does everyone want out of Florida, how selling your house has gotten more expensive (especially in MA) and watch out for that back door Roth conversion. Plus good new for the cannabis industry.

She loves her new Highlander. Buy Now Pay Later impacting your credit score, job scams targeting young people and many people are retiring earlier than planned.

You might have to take distributions every year over the next ten. Unless you don't. That should clear it up. Plus non-competes banned, the gap between your current mortgage rate and a potential new one is bigger than ever. Plus GM may not have been completely forthcoming.

Tax Day Fun – hope you didn't roll over that $1 million SEP into a regular account accidentally. Tesla heading south.  So is DJT. Yet another security breach, this time at AT&T. Plus $100 commissions for some ETF purchases at Fidelity and technology to monitor your bathroom use. That was not a typo.

Satellite images can impact your home insurance. Which states are seeing the largest increases? That 529 to Roth rollover might be taxed in your state. Plus college costs approach $100K annually and you can now leverage your bet on Bitcoin. What a break?!

Hint: you were probably sold the Advantage plan. Are ESPPs a no-brainer? File your taxes or the IRS will come knocking…eventually. Plus you may get charged to email with your doctor.

Those 6% commissions could be a thing of the past but how will this impact the market. Buyers' brokers, sellers' brokers and underlying home values. Closing costs are on the rise, mostly due to interest rate buy-downs.  Smart or not so much?

It could be why your car insurance went up. Inflation is under control, Bitcoin is not. A parlay to cover your college loans might not be the best decision and no, your 401(k) is not in danger of being seized.

There are more $100 bills than any other denomination.  Hmmm. Nvidia knocks off Meta for the one-day growth record, the market rolls on but your appliances might not. Plus Jay vents about Chase.

Yes, seriously. Tax bills for iBonds, a dating app based on  your credit scores (yes, seriously) and carrying a mortgage in retirement. Plus NVDA reports earnings.  Can we get a giddyup?!

Americans are turning 65 at a record pace, student loan payments may be eligible for a 401(k) match and that HELOC has gotten expensive. Plus non-auto insurance and guidelines for converting your 529 to a Roth IRA.

Yes, inflation impacts girl scout cookies. META with the largest one day market value increase in history, custom fit 401(k)s and FAFSA info not getting to colleges until March. Plus a special grandparent 529 discussion.

Update on Mr. Treasuries. Tax time is here…but don't rush to file. Home sales at their lowest level in a generation, IBM wants everyone in the office and beware of QR codes.

Celebrate or panic? Bitcoin ETFs are here, Hertz is slashing their electric vehicle inventory and Capital One's High Yield Accounts may not be offering high yields.  Plus Homeowner's insurance and solar.

Too many stats available to throw Mr. Treasuries under the bus. Jay's tax nightmare wasn't so bad after all, the market keeps rolling and your social security is probably taxable. Plus..Robinhood poaching clients with significant assets and the dangers of Buy Now Pay Later plans.  Plus plus the cars doctors drive.