Podcasts about 401k

A 401(k) loan often looks harmless. You're borrowing from yourself, the interest comes back to you, and you'll pay it back before it matters -- right? But the fastest way to protect your retirement isn't understanding how loans and hardship withdrawals work. It's building a financial life where you almost never need them. Joe and OG dig into why more people are tapping retirement accounts than ever, and what confident investors quietly do differently. What You'll Walk Away With Why the biggest retirement threat isn't the loan itself -- it's the system that made the loan feel necessary The subtle ways a 401(k) loan can quietly erode long-term growth even when you pay every cent back on schedule How hardship withdrawals actually work, when the IRS gets involved, and why they're almost always the last move you want to make The career risk hiding inside every 401(k) loan -- and what happens when a job change turns your repayment timeline upside down A simple "tripwire" buffer for your checking account that gives you an early warning before spending drifts into dangerous territory How expense creep quietly pushes otherwise disciplined savers toward retirement withdrawals -- and the quick audit that catches it early A surprisingly effective way to use exported spending data and AI tools to surface budget leaks you've completely stopped noticing Why a properly built emergency fund functions like a circuit breaker between life's surprises and your retirement account The real situations where people most often raid retirement savings -- and the smarter alternatives that keep your long-term plan intact A beginner-friendly framework for grading your financial life across six core areas before small cracks become expensive problems Why This Matters Now Your 40s are often your highest-earning years -- and your most financially complicated ones. Rising costs, family obligations, and career uncertainty can make even disciplined savers feel the pull toward retirement money. The goal isn't just knowing the rules around 401(k) loans. It's building the habits and buffers that make raiding your future self's account something you simply never have to consider. From the Basement Joe and OG dig into fresh data showing more retirement accounts getting tapped just as the stakes are highest. Doug shows up with trivia that has no business being as competitive as it gets. The crew also pulls back the curtain on a new beginner-friendly series built to help Stackers pressure-test their entire financial foundation -- because the best retirement strategy was never about knowing when to borrow from yourself. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-build-good-money-habits-1816 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the powerful Mega Backdoor Roth strategy with Director of Financial Planning and Tax Strategy, Taylor Wolverton. They break down how high-income earners can potentially create tax free wealth using advanced Roth 401k strategy techniques, including 401k after tax contributions and in-plan conversions. This episode dives into how these lesser-known financial planning strategies can help individuals who are serious about retirement tax planning and building a strong retirement financial plan.Listen in to learn about the differences between a Mega Backdoor Roth, a Backdoor Roth IRA, and traditional retirement savings strategies. Radon, Murs, and Taylor explain the role of 401k contribution limits, Roth IRA income limits, and how these strategies may help high-income earners implement a smart tax strategy designed to maximize tax free retirement income. If you're focused on planning retirement, creating a retirement checklist, and learning how to retire comfortably, this episode offers valuable insights to help you secure your retirement.In this episode, find out:How the Mega Backdoor Roth works and why it can be a powerful high income tax strategyThe difference between after-tax 401k contributions, traditional 401k contributions, and Roth optionsHow Roth conversion strategies can potentially turn taxable growth into tax free retirement incomeThe key differences between a Backdoor Roth IRA and the Mega Backdoor Roth 401k strategyImportant considerations when including this strategy in your retirement financial plan and overall retirement planning strategyTweetable Quotes:“The reason people call it a Mega Backdoor Roth is because you're not contributing directly to the Roth 401k—you're contributing after-tax dollars and converting them to build a larger tax-free portfolio.” – Radon Stancil“If your income is above the Roth IRA income limits, you may still have options to get money into a Roth through strategies like the Backdoor Roth IRA or Mega Backdoor Roth.” – Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

This week on Investing Simplified, Matt Sudol and Matt Mai from Price Financial Group discussed the ongoing volatility in the markets, with a focus on the critical role of oil as both a commodity and a driver of inflation. Listeners learned about recent disruptions impacting oil supply, including local pipeline issues in the Pacific Northwest and escalating Middle East tensions that could affect global prices via the Strait of Hormuz. The Matt's emphasized how fluctuations in oil prices can ripple through the economy—impacting everything from transportation to grocery costs—and discussed how these factors can influence inflation, Federal Reserve policy decisions, and, ultimately, investment portfolios.The show also highlighted recent positive trends in retirement accounts, noting the average 401(k) balance reached $146,100 at the end of 2025, with record numbers of "401k millionaires." However, the hosts cautioned that benchmarks and averages are less relevant than one's individual goals, liabilities, and life stage. To help listeners navigate current market dynamics, Matt and Matt provided practical tips on reviewing asset allocations, rebalancing portfolios, and using strategies like dollar-cost averaging to manage risk. They reminded listeners that, while market movements may be unpredictable, having a thoughtful, customized plan is key—and invited them to schedule a complimentary consultation to review their own circumstances.Navigating the world of finance can be overwhelming, especially when biased advice and outdated strategies cloud the path to financial success. That's why Price Financial Group Wealth Management created Investing Simplified — a podcast dedicated to demystifying the complexities of finance and investing. Join our experienced hosts and guest experts as they break down financial concepts into practical, actionable insights. Whether you're a seasoned investor or just getting started, Investing Simplified is your go-to resource for honest advice and proven strategies to help you build a confident financial future. Meet the Hosts: Matt Mai - CIO & Wealth Manager Matt Sudol - COO & Wealth Manager Bo Caldwell - CCO & Wealth Manager Tune in and take charge of your financial journey with clarity and confidence! Schedule A Complimentary Consultation

En este nuevo segmento de finanzas en Café en Mano, nos sentamos nuevamente con Carlos Feliciano de CAF Investments para hablar claro y sin filtro sobre lo que está pasando con tu dinero, la economía y el mundo.Desmentimos la mala información que corre en las redes sobre las inversiones en propiedades versus la bolsa de valores. Carlos nos explica cómo la reciente guerra y la tensión en Irán afectan directamente nuestro bolsillo, el precio de la luz y el valor de nuestros planes de retiro (401k). Además, hablamos del peligroso auge de las aplicaciones de apuestas y "Prediction Markets" que están arruinando las finanzas de muchos jóvenes.¿Qué significa realmente ser millonario hoy en día? ¿Cómo puedes empezar a invertir si no tienes experiencia? Todo esto y mucho más en este episodio. ¡Busca tu libreta!☕ Este episodio es traído a ustedes por Fus Telecom, internet sin preocupaciones.

As attacks in the Strait of Hormuz put investors on edge, we start this week's episode with a conversation that takes a step back from the headlines to focus on what actually matters for client holdings. We'll compare the current moment to 2008, examine how increased U.S. oil production has changed the picture, and offer some reassurance in a market still grappling with uncertainty.With all the uncertainty, the S&P 500 keeps dipping, the headlines are getting louder, and investors are starting to feel uneasy—but the market is still only about 2% to 3% off record highs. We'll put today's volatility in context, revisit the “Ten-Year Rule,” and explain why moments like this are often when long-term discipline matters most.After the break we look at Vanguard's “How America Saves” report, which shows hardship withdrawals from 401(k) plans have been inching higher; however, participation in workplace retirement plans has also never been stronger. We'll explore why that combination may actually signal progress, as more workers build retirement savings that can also serve as a financial backstop when life throws a curveball.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — March 14, 2026  |  Season 40, Episode 11Timestamps and Chapters7:12: Perspective in a Time of Uncertainty20:05: But is the Sky Really Falling?45:31: The 401(k) Safety NetFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

On this episode: Should you be backing off your risk in this crazy market? Haven’t saved enough? Maybe you can double your savings in retirement. What works better: Paying taxes now on your 401(k) or pay taxes later? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

This week on Ask Farnoosh, Farnoosh kicks things off with a behind-the-scenes look at a whirlwind week in journalism and media. She shares highlights from her recent interview with Senator Cory Booker about his bold new “Keep Your Pay Act” proposal, which would eliminate federal income tax on the first $75,000 of income, and discusses what that could mean for working Americans. She also reflects on being featured in Kiplinger's latest issue on the best financial advice experts have ever received, sharing a career lesson that shaped her own path: learning to earn money not just from what you do, but from what you know. Plus, Farnoosh announces her upcoming free webinar on March 26 about how to land a big book deal (register using the link).Then, a quick breakdown of the latest money headlines that matter for your wallet: mortgage rates climbing back above 6% and what that means for today's “frozen” housing market, the widening K-shaped economy separating households that are thriving from those struggling with rising costs, and early signs that the once-hot job market may be cooling—along with why now is a good time for a financial check-up.In the mailbag, Farnoosh tackles listener questions including: • Should high earners prioritize Roth 401(k) contributions or diversify across other retirement strategies? • What to watch out for when a financial advisor pushes variable universal life insurance instead of traditional investing. • Creative ways families are making childcare and daycare costs more manageable. • How a teenager's part-time income and assets can affect FAFSA eligibility and college financial aid. Hosted on Acast. See acast.com/privacy for more information.

Are we heading toward a bizarre future where your engineering salary is paid in AI compute tokens instead of cash? Andrew and Ben tackle the latest tech industry shakeups, starting with Meta's acquisition of Moltbook and the controversial idea of making inference limits a core employee benefit. They also break down Charlie Guo's harness engineering playbook, the growing pains behind recent AWS AI-driven outages, and the toxic pressure to constantly run dozens of autonomous agents. Finally, they wrap up by sharing their own agentic weekend projects and debating the catastrophic risks of vibe-coding your laptop's file permissions.Follow the show:Subscribe to our Substack Follow us on LinkedInSubscribe to our YouTube ChannelLeave us a ReviewFollow the hosts:Follow AndrewFollow BenFollow DanFollow today's stories:Silicon Valley is buzzing about this new idea: AI compute as compensationThe Emerging "Harness Engineering" PlaybookMeta acquired Moltbook, the AI agent social network that went viral because of fake posts“A spate of outages, including incidents tied to the use of AI coding tools”, right on scheduleEvery minute you aren't running 69 agents, you are falling behindOFFERS Start Free Trial: Get started with LinearB's AI productivity platform for free. Book a Demo: Learn how you can ship faster, improve DevEx, and lead with confidence in the AI era. LEARN ABOUT LINEARB AI Code Reviews: Automate reviews to catch bugs, security risks, and performance issues before they hit production. AI & Productivity Insights: Go beyond DORA with AI-powered recommendations and dashboards to measure and improve performance. AI-Powered Workflow Automations: Use AI-generated PR descriptions, smart routing, and other automations to reduce developer toil. MCP Server: Interact with your engineering data using natural language to build custom reports and get answers on the fly.

On this week's episode of The Liquidity Event, AJ and Shane unpack what's happening at the intersection of AI, financial advice, and investor behavior. Shane joins from the T3 technology conference in New Orleans, where artificial intelligence dominated nearly every conversation. They explore how AI tools are being integrated into advisory firms, whether real-time financial planning during client meetings is closer than we think, and react to a bold claim from a venture-backed RIA that advisors may eventually be replaced by AI. The conversation then shifts to a Wall Street Journal report on rising 401(k) hardship withdrawals. AJ and Shane discuss what the data actually shows, how automatic enrollment has changed participation rates, and whether easier access to retirement funds is a positive development or a long-term risk. They also break down Kraken's proposal to tokenize publicly traded stocks and enable 24/7 trading, debating whether constant market access improves liquidity or amplifies behavioral mistakes. The episode wraps with a listener-inspired question on protecting net worth from lawsuits and market losses, including what umbrella insurance can realistically accomplish and where its limits lie. As always, the discussion blends industry insight with practical takeaways for navigating an increasingly complex financial landscape. Key Timestamps: 01:08 – Shane reports live from the T3 technology conference 03:12 – AI University and what advisors are actually building 06:40 – The future of real-time financial planning with AI 10:18 – Range says AI will replace advisors… should we believe it? 14:02 – Why humans are still the "hardware" in financial advice 17:36 – Record 401(k) hardship withdrawals and what's really happening 20:44 – Are hardship withdrawals actually good for 401(k) adoption? 23:18 – Kraken wants to tokenize stocks and trade 24/7 26:05 – Is 24/7 stock trading a feature or a bug? 28:42 – Reddit: How do you protect your net worth from lawsuits?

What if the real foundation of entrepreneurship is less about making money and more about mastering your mindset around it? In this episode of The Angel Next Door Podcast, host Marcia Dawood explores how our early experiences and psychological beliefs about money shape our financial behaviors—and ultimately, our freedom to create and build. Guest Shang Saavedra, who reached retirement savings goals by age 31, shares her journey from a frugal upbringing as the child of immigrants to graduating from Harvard, thriving in management consulting, and building the Save My Cents community. She's passionate about helping others use psychology and practical strategies to rewrite their financial stories, break the cycle of fear, and pave the way for meaningful wealth. This episode is essential listening for entrepreneurs and anyone needing a mindset reset around finances. With actionable advice on automating savings, understanding investment options, and handling financial setbacks, Shang Saavedra proves that changing how you think about money can transform your life—and your business.   To get the latest from Shang Saavedra, you can follow her below! https://www.linkedin.com/in/shangsaavedra/ https://savemycents.com/ https://www.instagram.com/savemycents/?hl=en Wealth Is a Mindset: Change Your Mind, Change Your Money   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com Do Good While Doing Well Learn more about the documentary Show Her the Money: www.showherthemoneymovie.com And don't forget to follow us wherever you are! Apple Podcasts: https://pod.link/1586445642.apple Spotify: https://pod.link/1586445642.spotify LinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/ Instagram: https://www.instagram.com/theangelnextdoorpodcast/ Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/ TikTok: https://www.tiktok.com/@marciadawood

Your TSP withdrawal strategy can affect your retirement income, tax exposure, and overall flexibility in retirement. In this episode, we discuss TSP withdrawal options for federal employees, including monthly payments, lump-sum distributions, rollover strategies, tax considerations, and how your TSP may fit alongside your pension and Social Security.

The year before retirement can bring a mix of anticipation and anxiety, but one way to harness those emotions is to focus on the action items that need your attention most before you take the big leap. Donna discusses some of the things that should be on your final approach to retirement checklist. Also on MoneyTalk, what to do with that old 401K. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 3/9/2026; Original Air Date: 8/26/2024 & 1/12/2026. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

This week, Miles Clark and David Clark discuss commodities moving up in our asset class rankings, the Mag 7 showing near-term weakness, crude oil experiencing notable volatility as it continues to improve, and bitcoin reversing slightly from its lows.

Will you get bored in retirement? Today's episode features themes of purpose and fulfillment in your retirement years. The transition from the daily grind to retirement can sometimes be an unforeseen challenge and we explore that through the stories of our fathers' retirement experiences, looking forward to our own.

WHAT’S NEW AT TEN! GUEST: Dr. Jason Johnson of MSNOW on Iran, the economy and Seahawks. // Record Numbers of Workers Are Raiding Their 401(k) Savings // SCENARIOS!

Wall Street is pushing private credit into 401(k)s. Could your retirement be absorbing hidden risk as institutional investors exit?Questions on Protecting Your Wealth with Gold & Silver? Schedule a Strategy Call Here ➡️ https://calendly.com/itmtrading/podcastor Call 866-349-3310 

Send a textMaxing Your 401(k) Isn't Enough: Building Flexibility for High EarnersHunter Kelly, a CFP and founder of Palm Valley Wealth Management, explains that while maxing out 401(k)s and other retirement accounts is great early-career advice, it can become incomplete for mid-career high earners who want options before age 60. Using a story about David and Sarah, a high-income healthcare couple earning about $400,000 with two young kids, he shows how they accumulated nearly $3 million in retirement accounts yet still felt tight and unable to reduce work because most of their wealth was locked up for 15–20 years. He argues the goal shifts from accumulating money to positioning it for flexibility, including building taxable brokerage investments and liquidity to support life changes. He emphasizes financial freedom as having choices along the way, not just retirement.00:00 Welcome and Format Change00:57 Meet David and Sarah01:41 Doing Everything Right02:01 Why It Still Feels Tight03:14 Early Career Advice Works04:22 When Income Grows Complex04:50 Retirement Accounts Trap05:57 Flexibility Over Tax Perks08:23 From Accumulation to Positioning08:48 Building Liquidity Options09:24 Peace of Mind and Choices10:25 Wrap Up and DisclaimerCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Roth conversion timing mistakes can quietly cost federal employees thousands in unnecessary taxes. If you retire with a TSP, 401(k), or traditional IRA, the question isn't whether to consider a Roth conversion—it's when and how much to convert to help avoid unexpected tax bracket increases or Medicare premium adjustments.Schedule your Virtual Peace of Mind Consultation https://calendly.com/charlesdzama/1st-virtual-visit-peace-of-mind-videoask

Should I Take Money Out of My 401K for an Emergency - Join Certified Financial Planners Greg Cooley and Bubba Labas on another episode of Advisors' RoundTable!

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Retirement account balances are rising — but so are withdrawals. New data from Fidelity shows the average 401(k) balance climbed more than 11% in 2025 as the stock market posted another strong year. But at the same time, a growing number of Americans are tapping their retirement savings early. Hardship withdrawals and 401(k) loans both increased last year, signaling that many households are still feeling financial pressure despite market gains. In this episode of Real Estate News for Investors, Kathy Fettke breaks down the latest retirement savings data and what it reveals about the financial health of American workers. She also explains why relying on stock market retirement accounts alone may leave investors vulnerable during periods of economic stress. For many investors, income-producing real estate offers a different approach to building long-term wealth — providing potential cash flow, inflation protection, and the ability to hold a hard asset that can appreciate over time. Learn what the latest 401(k) trends mean for retirement security — and why diversification may matter more than ever.

On this week's Ask Farnoosh, Farnoosh answers listener questions about navigating complicated financial decisions — from inheriting retirement accounts to protecting yourself from tax fraud.First, Farnoosh shares personal reflections on the unfolding war in Iran and how global conflict can ripple into markets, oil prices, and the broader economy.Then she dives into listener questions, including:• What happens when you inherit a 401(k) — and whether you must take distributions • How to prioritize emergency savings vs. retirement investing when your budget can't do both • What to do if your tax return is rejected due to potential identity theft • Is it possible to invest too much when you're feeling cash-strapped?Plus: • Why more Americans are taking hardship withdrawals from retirement accounts • Why Farnoosh is skeptical about MrBeast entering the banking world • And a surprising pop culture reflection on Carolyn Bessette Kennedy Hosted on Acast. See acast.com/privacy for more information.

Half of American Workers Have No 401(k). Trump Just Made a Big Promise | 094Subscribe to the newsletter at moshpit.heavymetal.moneyDuring his record-breaking 2026 State of the Union address, President Trump made a surprising announcement that most financial media buried under the tariff headlines: he proposed giving roughly 56 million American workers without an employer-sponsored retirement plan access to a government-backed account modeled after the Federal Thrift Savings Plan, with a federal matching contribution of up to $1,000 per year.In this episode, Chris breaks down what we actually know, what we definitely don't know yet, and what it all means for your retirement right now.What's Covered in This EpisodeWhy roughly half of all American workers still have zero access to an employer-sponsored retirement plan with matching contributions, and why that's a bigger deal than most people realizeA plain-English breakdown of the Federal Thrift Savings Plan (TSP) and why it's actually a solid model: lower fees, simple investment options, and straightforward matchingHow the SECURE 2.0 Act of 2022 already included a "Saver's Match" provision offering eligible lower-income workers up to $1,000 in federal contributions starting in 2027, and why this announcement sounds a lot like thatThe unanswered questions: income limits, funding sources, implementation timeline, and how this interacts with existing lawA quick history lesson on the MyRA program, a similar starter retirement account that was quietly cancelled in 2017What you should be doing right now, whether you have an employer plan or notTraditional and Roth IRA options available today, including 2025 contribution limitsResources Mentioned⁠SECURE 2.0 Act of 2022⁠⁠Federal Thrift Savings Plan (tsp.gov)⁠⁠IRS IRA contribution limits⁠⁠Heavy Metal Money blog post on the BlackRock retirement savings warning⁠Key TakeawayDon't wait for Washington to build your financial future. The tools already exist. Start using them now.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetal⁠https://www.instagram.com/heavy_metal_money⁠https://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.money

Ary Rosenbaum talks about the issue of how 401(k) plan providers can minimize their risk, and just not reply on their E&O policies.

Retirement planning is often shaped by disciplined decisions, market realities, and investor behavior. In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase address timely retirement investing questions and frame them within a long-term, evidence-based approach designed to inform—not predict—financial outcomes. • Compare dollar-cost averaging versus lump-sum investing and evaluate how investor psychology may influence portfolio results. • Reassess what it means to feel behind on retirement savings and explore catch-up strategies, contribution limits, and long-term discipline. • Evaluate how to handle windfalls, consolidate retirement accounts, and apply the Rule of 55 guideline when considering early access to employer plans. • Interpret average versus median retirement savings data to better contextualize your own retirement planning progress. • Weigh Roth 401(k) contributions later in your career, particularly in high-tax states, within a broader tax-aware retirement strategy. • Analyze covered call ETFs, bond allocations, and diversification across U.S. stocks, international markets, real estate, and commodities. • Emphasize consistent participation over market timing when attempting to build a resilient retirement portfolio. Clear context may lead to better decisions. Listen to—and subscribe to—the Retire Sooner Podcast to stay informed and continue refining your retirement investment strategy. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

(March 05, 2026) President Trump calls on Kurds to aid U.S. effort in Iran, offers American support. Record number of workers are raiding their 401k savings. Why the California wine industry is being crushed. The disappearing American mortgage.See omnystudio.com/listener for privacy information.

US defense industry officials are expecting the Pentagon to request supplemental funding as soon as Friday to shore up expensive munitions stockpiles following US strikes on Iran, according to two people with knowledge of the plans.~This episode is sponsored by Tangem~Tangem ➜ https://bit.ly/TangemPBNUse Code: "PBN" for Additional Discounts!00:00 Intro00:10 Sponsor: Tangem01:00 $50B01:20 Friday01:50 Republicans vote down to halt war02:20 FOX: This dead and buried03:20 Odds03:30 Bernie04:00 Oil supply shock04:30 Trump has a plan?05:10 Gas prices05:50 Japan06:00 China hoarding06:30 Mark Cudmore: Things will get worse07:30 401K exits08:00 Bloomberg: Fed assessing Iran war09:10 Duration (September?)10:30 Inflation bout to get hot10:40 Get off exchanges11:00 Kristi Noem out!11:30 March 3rd#Crypto #iran #bitcoin~Congress Sending Emergency Cash For War!?

Navigating your first 401 (k) can feel like uncharted territory, especially when you're the first in your family to secure a salaried position with benefits. As first-gen WOC, many of us have not been exposed to conversations about a 401 (k), employer matches, or retirement planning. It's a lot, but here's the good news: you don't have to do it alone. Join me as we break down the essentials of setting up your 401 (k), so you can confidently put your money to work and secure your future.In this episode, I'll guide you through the basics of a 401 (k) and why it's a game-changer for your financial journey. Together, we'll explore the importance of employer matches and how they can instantly double your investment. No more hesitation—let's get your retirement savings on track today.As you listen, you'll learn:✅ The difference between traditional and Roth 401 (k) and which might be right for you✅ How to set up your 401 (k) to take full advantage of employer matches✅ Simple steps to start investing with confidence and avoid costly delays...Let's stay connected:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

Federal employees with a FERS pension have a unique advantage when deciding when to claim Social Security—but choosing the wrong claiming age can significantly affect your lifetime retirement income. Understanding how Social Security timing works with a FERS pension, TSP savings, and other retirement income sources can help federal retirees build a more flexible and sustainable retirement strategy.If you're a federal employee planning retirement, knowing whether to claim Social Security at 62, wait until full retirement age, or delay until age 70 can impact taxes, survivor benefits, and long-term income. In this episode, we break down Social Security claiming strategies for federal employees, how a FERS pension changes the decision, and key retirement planning factors like longevity, spousal benefits, and break-even analysis.

Welcome to The SaaS CFO Podcast! In this episode, hosts Ben Murray and Matt Perrott sit down with Dan Beck, CEO and co-founder of 401GO, to dive into the world of SaaS-driven financial services and the unique challenges facing founders and small businesses when it comes to retirement plans. Dan Beck shares his entrepreneurial journey, including the story behind launching 401GO with his brother, the company's mission to simplify and automate 401(k) plans for smaller organizations, and how modern technology is transforming retirement solutions. From tackling outdated industry systems to enabling instant, automated plan set-ups, Dan reveals why 401GO stands out in a space dominated by complexity and legacy platforms. We also explore Dan's experience transitioning from bootstrapping businesses to raising over $48 million in venture capital, including the differences, stresses, and rewards between these two worlds. Whether you're a CFO, founder, or anyone curious about scalable SaaS solutions and startup growth, Dan's insights on unit economics, partner channels, and operational metrics will leave you inspired and informed. Tune in for actionable advice, behind-the-scenes stories, and fresh perspectives on building a SaaS business that's reimagining financial wellness for employees everywhere. Show Notes: 00:00 "Challenges of Offering 401(k)s" 05:40 "Outdated 401(k) Systems Persist" 07:11 Modular Custodial Tech Enhancements 12:15 "Bootstrapping to Venture Funding" 14:19 "Understanding Different Investor Roles" 20:01 SaaS-Based 401(k) Pricing Model 21:19 "Growth, Revenue, and Retention Dynamics" 24:54 "Enterprise Layer Technology Solution" Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/401go-secures-33-million-series-b Dan Beck's LinkedIn: https://www.linkedin.com/in/danielgbeck/ 401GO's LinkedIn: https://www.linkedin.com/company/401go/ 401GO's Website: https://401go.com/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

This week, Ian Saunders and John Lewis discuss the performance between leaders and laggards, changes in the asset class and sector rankings, and the importance of having a process in place.

Do you know what the most important asset you have in divorce is? It's not your home or your car or your 401K, it's time. My guest in this episode is Hirsch Serman, a financial divorce coach and divorced dad, and this conversation is so inspiring, you're going to love it!

Money feels volatile. The headlines feel dramatic. And for many women, investing still feels intimidating. In this powerful conversation, accredited financial counselor and investor Tess Waresmith returns to cut through the noise. She unpacks the truth about market crashes, why the economy and the stock market are not the same thing, and the simple compound interest math that can turn a small monthly contribution into a million-dollar legacy. This episode offers grounded perspective and practical next steps to help you move from fear to financial clarity. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:The importance of financial independence for women.How to prepare your finances for an inevitable market crash.The "bucket strategy" for organizing short-term vs. long-term funds.Comparing the 2000 dot-com bubble to today's AI trends.Why learning to invest takes weeks, not a finance degree.Episode References/Links:Wealth With Tess – https://wealthwithtess.com/savvyFree Financial Independence Mini-Course - https://www.moneyconfidentclub.com/3daysfiTess Waresmith Instagram - https://www.instagram.com/wealthwithtess1929: Inside the Greatest Crash in Wall Street History by Andrew Ross Sorkin - https://a.co/d/0h4yDFDvGuest Bio:Tess is an Accredited Financial Counselor® and the founder of Wealth with Tess, a financial education platform and community, that helps millennial women build wealth using simple investing strategies. Her mission is to help women gain agency over their money so they can retire comfortably and have options to live life on their terms. After losing thousands by working with the wrong financial advisor in her early 20s (a fiduciary by the way), Tess rewrote her financial story. She immersed herself in the world of personal finance and wealth building, and by 35, she went from a net worth of $0 to $1 million, all as a single woman. Today, Tess is a sought-after financial expert, featured by Forbes, CNBC and Business Insider. Her free investing workshops have drawn thousands of attendees, and hundreds of women have transformed their financial futures through her straightforward and supportive learning programs. Her approachable, no-jargon investing tips inspire a growing community on Instagram at @wealthwithtess. Whether you're short on time or new to investing, Tess is proof that you don't need Wall Street-level expertise to build wealth, you just need to decide it matters and get some judgement free education. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! 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It is just a tool. Are there billionaires that are assholes, of course, but that doesn't mean that money is a bad thing. We should all be working to acquire it, because if we have more flexibility, independence and freedom, we're going to be better for the people around us. We're going to make a better impact.Lesley Logan 0:17  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 0:56  All right, Be It babe, we are gonna talk about the financial times. Don't turn this away. I know you wanna go, la, la, la, la, la, when we talk about money, and I think I said that the last time we had the amazing Tess Waresmith on. But I really want, I want you to know that like after talking with her and hearing her voice and hearing her perspective on all the uncertainty when it comes to money, when it comes to the stock market, when it comes to the economy, she always helps me put it all in the most amazing perspective. And I want that for you as well. And I also want you to have all the things that you want to have. And if you're like, oh Les, I'm good, we also talk about that too. We also talk about what like if you are good, why it's so important for you to have this information and to know what to do with it. So, here's Tess Waresmith. Lesley Logan 1:42  All right, Be It babe, I am thrilled to have this guest back, because, to be honest, I just love hearing her speak. I actually there's very few people online that I am like absolutely 100% have to watch everything they post, because I learned so much. I learned so much from her, and I wanted to have her back so we can learn some more, because the financial investment is always uncertain, but it feels more uncertain now than it ever did before. So Tess Waresmith, welcome back. Will you tell everyone who you are and what you rock at?Tess Waresmith 2:08  Thank you. Thank you for having me back. I am an accredited financial counselor, an investor, and I would say more colloquially, I am an advocate for women and people having more money so that they can do what they want, when they want, with who they want, and eventually retire comfortably and have the flexibility, yeah, to do whatever you want with your life. That is my goal. Lesley Logan 2:28  Yeah. Well, I mean, I think we're on the same path in different ways. Like, I don't know money the way you know money, but I'm like, I want women to have, like, I want them to be a priority in their life, so that they have a body that will take them everywhere they want to go. Because, you know, so I and for a lot that may require is like having financial independence and abilities to do things that can care for themselves, they advocate for themselves. And so money does, people can hate it or love it, but it does make the world go round. It is this energy that we need to understand. So, you know, we've had you on the pod before, so you guys, we'll definitely link in the show notes, and you will learn so much. But you know, as we record this, I'll say what when we're recording this, because I think it's helpful. We just got out of the longest shutdown, the crazy times we're recording November, so it's probably come out in 2026 in the beginning. But like, people are scared. I think people are freaking out. Like I coach businesses all the time, and where my predictions are is that the group fitness aspect of things is being affected, because that's the amount of those are the people whose paychecks are being affected, those people whose the cost of groceries going up, it affects their luxury spending, which I don't think fitness should be luxury, but their luxury spending on fitness is changing. And so I'm seeing these changes. Can we talk like, where do you want to start, Tess? Should we talk with, like, what is like is always uncertain, and it just and we're like, we're making it up that it's more uncertain today?Tess Waresmith 3:50  It's a great question. I mean, I want to, like, double tap on one thing you said, where before we even, like, get into this conversation. If, when Lesley said, if money is, like, good or bad? Like, money is a tool. It's not either. And so if you are somebody that's like, oh, I hear this a lot from women, they're like, oh, I don't need to make that much money or, like, I don't want to have too much because it's bad, or I feel greedy. If you're that person, we probably need you to have more money so that you can make a bigger impact, donate to causes you care about. You're probably a good person, if you're thinking about it that way. So I need you to just park that and rewrite a new story that's money is not good, bad, evil. It is just a tool. Are there billionaires that are assholes, of course, but that doesn't mean that money is a bad thing. We should all be working to acquire it, because if we have more flexibility, independence and freedom, we're going to be better for the people around us. We're going to make a better impact. If you're an asshole, you're going to be with money or without. So I just want to, like, start there, because I think, I think that is such a useful excuse to be like, I'm not going to focus on my money. I like, don't need more and just like, the reality is, like, if you're saying that I probably need you to have more. Yeah, know what I mean, because.Tess Waresmith 5:04  You're gonna do better things with it, like, I couldn't agree more. Like, I was listening to a business guy, a coach doing not a business coach. He's like, an actual, like, life coach type of thing. And he was finding how people are like, oh, I'm good. Like, I don't, I don't want to. I feel like if me wanting more is bad when other people have so little. And he's like, right, but you playing small is never going to give them anything. Right? So, like that to your point, like, if you're the, if you're the woman, listen, is going, like, I'm really good. Like, I don't need more. We need you to have more, because you will give it to the right people. You will spend it at the right businesses. You're not the ass hole. So, we need that. Yeah, I agree.Tess Waresmith 5:41  Yeah, yeah. So I've been thinking about that a lot more and more, especially as we roll into this economy where we have so much information and so much access and visual representations of under resourced people, and we're seeing that all the time. So it's easy to feel like, you know, well, I'm doing better than this person, and this isn't something I should focus on. The other thing that people don't realize is, if you learn more of the basics, you get to impact the people around you, and not all of them are doing well, either, like I have some really close friends that I've grown up with that are in much better financial positions, that came from nothing, that grew up in really bad homes and with no money, parents in jail. They're doing better because I am a money nerd, and I force them to talk about this stuff, and so, like, I think that it's just important to remember that this is like a fundamental unfortunately in this country, are the rights to like, food and housing is not guaranteed. We need money for those things. So if you have more than you need, great, give it to somebody that doesn't. So yeah, I could go on and on about that.Lesley Logan 6:44  Yeah, yeah. I know it's like, I think, like, it's really interesting, right? I just saw someone post because, again, we're recordimg in November. Somebody posted like, should you be doing, like, Black Friday, Cyber Monday sales? And as a Pilates business coach, I tell Pilates studios all the time, don't fucking do it. You have a service-based business. You don't have the margins to do the discounts that stores have, so you can't copy what stores are doing, and the big stores put those margins in. So guess what? When it's 40% off, it's because when it was full price, you're paying more than they needed you to pay. They have, it's built in, right? As a small business owner, do I do it? Yes. Why? Because I have a product that I can do it on, I have digital products I can do it on, and I'm only doing it this one time a year. While y'all want to have a discount, that's what people want. So like, I'm like, here's the game. I can acquire new customers with it. I can reward my loyal customers who've been with me a long time with these things. But I don't have to participate in this game. But we are currently, right now, recording in the States, in the United States, where housing and medical care and all these things are not guaranteed. And so you do need to have an awareness of how to make money and how to invest money so you can have those luxuries. So going to who what you're an expert at, and talking about these things like, I think people who have a lack of understanding of how money works and investment works, this is when they start to freak out. You know, like we all know, that as soon as they start to see that these big people are pulling their shares out of this, or pulling their shares of this, all of a sudden people start to freak out and pull their shares, and we become a very predictive death spiral. So what should we know? What should we be paying attention to if we are investing? Should we should we not invest right now? Like, what's the?Tess Waresmith 8:24  Yeah, yeah, all great questions and very real and honest questions. So I appreciate that. So I want to start with the fact that the economy and the stock market are not the same thing. It's easy to feel like they are, because we hear so much about the stock market, it's a super exciting piece of information and news for the media to to constantly bring up. And so a lot of times we see these things like, are we in an AI bubble? Are we going to have a recession? Is the stock market going to collapse? Or the stock market is collapsing when it goes down one day, or crashing or whatever. And so I think it's important to remember that those are two different things. The economy right now. There's a lot of issues in the economy. There's a there's a lot of data. Like, just to, like, nerd out for a second, and I'll make this like, as non jargony as possible. So stay with us. So, so first of all, there's, there's things called leading and lagging indicators in the economy, and leading indicators are typically things that are going to influence what the stock market might do in the future. And then there's lagging indicators that kind of show what the business cycle is doing in the past. And all of this to say is that there's so many factors that influence the stock market, and right now, we're in a place where we are getting bombarded with information that is favorable for the stock market and not favorable for the stock market all at the same time. So let me give you some examples. AI obviously has massive potential. It's driving incredible returns in 2025 so right now, when we're recording this this year, the returns on AI investment in the stock market have been outstanding. And if you are invest, even if you're investing in just something like a US stock market fund that holds a bunch of stocks in the US or some of you might know what the S&P 500 is, which is the top 500 US, largest stocks that are publicly traded if you're investing in the US stock market, you're investing in AI right now, and you've probably benefited from that, whether you know it or not, if you have a 401K or an IRA, let me tell you this, it should be up. Also, if it's not, shoot me a message, please. So that's one piece of the economy. At the same time, consumer sentiment isn't great. Healthcare costs are going up. Things are more expensive. We have not solved our inflation problem. A ton of layoffs are happening. We're adding jobs in some sectors, removing them from others. So it's important to remember that while all of those economic factors are going to influence the stock market, they are not the stock market. They are two different things. So that's the first thing I want to say. The second thing I want to say is that the stock market, I'll be very interested to see what happens when this podcast episode is released, to be honest. Because right now, we are in a place where the stock market has gone up over the last three years, significantly. 2024 '25 phenomenal years. However, we have a very hard time predicting what's going to happen in the stock market and how long the stock market will continue to go up before it eventually comes down. I'm telling you right now, it will for sure come down at some point to a lower place than we are at now. The stock market never goes up indefinitely. And so for those of you that are really nervous about investing, you're hearing, hearing and seeing all this news that we're like, we're in a bubble. There's going to be a stock market crash, doom and gloom, like maybe zombies or solar flares, like whatever dramatic things they can add to this conversation about investing, it's important to remember that the stock market actually goes in cycles. So it goes up pretty regularly, it hits a peak, it contracts, and then it hits a floor. And that cycle happens over and over and over again. And so we all get really surprised when we start focusing on our money and paying attention to investing, or even just start to get a little bit more nervous about retirement if we're in our 40s, and we're approaching that and we're realizing, oh, we should have paid more attention to this. All of a sudden, when we start to see this news, we go, oh my gosh, like the stock market's going to crash. The stock market has crashed a lot over the last 100 years. We see a correction and a correction is when the stock market comes down by roughly 10% the word correction comes from the prices of stocks actually like coming down being corrected. So we see that like every three to four years, it's very, very common. So one of the things that I can tell you and your listeners is that we should not be worried about a crash. We should expect one. It's part of the price of entry. If you want to build wealth, just like if you become a business owner, you learn a lot about yourself. It's a crash course in personal development. You have, like, ugly cry days, and then your best revenue day, like, three months later. And then everything you build crashes like and over and over. You're in this cycle of building, three steps forward, two steps back. That's business, right? Stock market's going to be the same thing. So what I highly suggest is, whenever you see news, if there's any kind of emotional or sensational twinge to it, that is your one, that should be a signal to you that that's probably clickbait. Yes, first of all, the news wants to write stock market crash, because you're going to click on that, because you're going to be like, Oh God, that sounds scary. So what I love to do, as an accredited financial counselor and an investor, and I will share a lot more about this through Instagram and upcoming YouTube videos, is that we need to understand that the stock market goes in cycles, and this is expected, and the more we can learn and understand the history of that, it's going to make us more confident in how we're investing. And so I'll give you an example for any of our listeners that are lived in 2008 right? The 2008 financial crisis. If you don't know, the stock market dropped like 50% it was abysmal, super bad. People lost a lot. But when people say they lost everything, they didn't lose their money in the stock market, if they didn't sell what they were invested in, if they were invested in 2008 when the stock market crashed and they waited five years, their money would have returned to the same amount it was at, and then over the next 10 years, would have ended up growing significantly and tripling in value like crazy. So the point of all this is there's two things we need to understand. The economy and the stock market are not the same thing. It's going to go in cycles. And if we're investing for the long term, we have 10, 20, 30 years to weather these cycles. It's going to happen. The more we can educate ourselves, the more we can stay calm during these moments.Lesley Logan 15:13  Okay, first of all, you just somehow always know how to, like, calm me down and make me, like, not nervous. Like, I feel like the I'm like, okay, great. So I'll just give I'll just find some more money to put in there. But also, like, I feel, I'm not gonna lie, I feel like I've never heard someone explain that the economy and the stock market are not the same thing. Like, I'm sure you've said it to me and I like, but there I'm hearing it for the first time, and it's like, well, that explains why, when the stock market was great and the economy, people were like, people aren't feeling the economy was great, and so people are confusing the two. And also I want to highlight that I do remember 2008 I actually became a very successful Pilates instructor during the time that people were canceling cable because I was selling something people wanted to invest like they wanted to invest in themselves. They wanted to take some time. They wanted they were thinking how they're putting their dollars. And so it doesn't they don't always had to be bad when they do figure itself out, and you are right, if people are in it for the long haul, then you're going to weather this. And I think it's hard, because the only people who talk about money around us are typically uncles and granddads and like other men, and they make it sound negative all the time, and we aren't always educated in what that looks like. And so then it's like, oh, it's really bad. But we have, there's a lot of cycles in life that we get more confident in, don't we remember? Like, we all remember our first time we got our female cycle. That was really scary, that was a lot. Then there was years of figuring it out, and then you become an adult, and sometimes you're still surprised it comes. Tess Waresmith 16:38  Tha't ssuch a good comparison.Lesley Logan 16:38  Like, it's right, yeah, but we have, like, it's this thing, and like, we have to dread it, and then it comes, and then all of a sudden, we got all the good hormones because it came, and then it's like, this great time. And so it's like, we live in cycles all the time, and if we know when to like you, the one difference is that, unfortunately, the stock market isn't on a 20-day day or 32-day cycle, I mean if it's good, but we don't know when it's going to happen. We know it is going to happen. So I love the way that you addressed that you say that it's like, okay, so then what's the attitude we want to have when it comes? How? What are we what? What is? What are some things that we can, like, plan for when that happens, so that we can not listen to the noise and the clickbait and be in fear and instead make proactive decisions? And so I guess my question is to you, like, when the stock market crashes, what is your process?Tess Waresmith 17:27  Yeah, yeah. So a lot of it is about preparation. And again, the first the acknowledgement, like we talked about, that's going to happen, knowing that we can say, okay, what do we want our finances to look like, to weather this storm, and there's some very specific things we can do to get ahead of this. So the first thing I would say is that if you are investing in the stock market, that should be money that you don't need, I'm going to say, depending on your risk tolerance the next three to five years. So now might be a good time, because there is so much uncertainty, politically, socially, financially, economically, like, yeah, it's a crazy time. I mean, it's always kind of a crazy time. I think now with social media, we probably get bombarded with it more than we used to. But I will say that, like that is an important thing to remember. Is, like, one of the things I love to tell people, people ask me what they should do with their money, and I always flip that around, and I want to say, what do you want your money to do for you? So let's say a crash is coming. What we want is to make sure we have enough money in the interim while the market is being crappy. So that means having maybe a little bit more of a buffer in savings, maybe adding to your high yield savings account. In the same breath, the money that you're investing in a retirement account like an IRA or a 401(K), you have to remember you're probably not going to touch that money for another 10, 20, 30 years, depending how old you are listening to this, those accounts don't even let you withdraw until you're 59 and a half without penalty, with the exception of Roth contributions, which are have already been taxed. We can come back to that if you have questions on that. But essentially, for the most part, just to like, simplify this, your retirement accounts are meant to be for retirement. So if you have money invested in those accounts, and we have a stock market crash in 2026 it doesn't actually affect your day to day life at all, because you're not going to be using that money in the next immediate future. And even if, even if you are retiring next year, that sucks. It's, it's a bummer, right? That sucks if that happens, and I really hope it doesn't happen to any of you. But even that said, in your first year of retirement, are you going to drain your entire 401(K) and IRA to live? Probably not. You're going to take a portion of that. And if you are prepared, you already have your next few years expenses. Right in savings. So one of the big misses, and like very simple financial organization, is thinking about your money in buckets. What do you need in the short term? What do you need in the long term? And then there's like a little bit of a middle gray area, like maybe you want to buy a house in five to 10 years. Should you invest that money in, like a flexible investing account, like a regular brokerage account? Maybe. It depends on your risk tolerance. You know that likelihood of the stock market being up after five years is roughly 90% based on historical data, so pretty good odds. Is it guaranteed? No. So I think that that's the way we've got to think about it is like, what's the intention for our money? And I'll tell you right now. Lesley, like I for sure, have more money in cash right now. I have a couple of rental properties. I need to make sure I can cover those expenses. The other reason I have that is I so I don't do any dumb shit and take my money out of my investing accounts, because I don't need it. Because even as somebody that is very well educated on the economy, on the stock market, an accredited financial counselor. These things are always going to still be emotional and psychological. So that's the first thing is, like, make sure you have some savings. The second piece of this is understand how your money is invested in the first place, and so learning the basics of investing and making sure that you are investing in a bunch of different stocks and different geographies is really, really valuable. It's called diversification, aka putting your eggs in different baskets. And you can learn about this in hours, making sure that your money is not just all invested in Nvidia or Meta if you're picking one stock, putting all your money in it, I think that's a terrible investing strategy. You could become really wealthy, or you could lose a lot. That's actually Lesley, how you lose everything is when you put all your eggs in one basket. So the other important thing to remember is when we diversify appropriately and invest in US stocks and international stocks. The whole point of that is to create a portfolio that can weather these dramatic downturns. So I think it's like two things. It's like making sure we have our money in the right places to weather the storm, and then our money is invested, understanding how that's diversified across different stuff, so that when one sector collapses, or if there is an AI bubble, not all your money is in AI, so you have different stuff. And thankfully, there's easy ways to do that.Lesley Logan 22:30  Yeah, I think, I think that these are all good reminders. And I also love that, like, the vulnerability of like, yes, even you an expert, there's emotions, because with social media, there's these crazy titles on things that are meant to get you riled up and freaking out, and then you do something stupid when, if you were sane and rational, you would go, hold on. Wait a minute. What? So we're recording this in November, and I said to Brad (inaudible) at the gym, I said, oh, that Peter Thiel guy, like dropped all of his stock, and Tesla and a bit, and Nvidia what is that? And he and I, and I was like, do you think he's like, trying to fuck with things, like, right (inaudible) he's not getting enough attention. But at any rate, like, Brad goes, oh, well that. I hope people don't read too much into that, because that could really scare some people to do some stupid stuff. And it's like you start to realize, like, oh, like, when you could just get yourself away from the title and get yourself away from some things, you can go start to see as a bigger picture. You take a deep breath and you can do these things. I do. I do think that a lot of people, even you know, just in the way that I coach people in their Pilates business, I see them doing drastic changes because they're they're reacting, as opposed to giving themselves a runway that allows them to take a deep breath and figure out, like, what's the next best thing to do.Tess Waresmith 23:44  Yeah, such a good example that Brad brought up. I saw that exact article, and actually three people messaged me about that, which is so funny that you bring that up. I have another great example of this. And there was an author, Andrew Sorkin, who wrote a book on the dot-com bubble when the internet started, and there were all these internet companies popping up all over the place. And then, of course, there was a stock market crash right after that, because there are all these companies that weren't set up for success in the long term in the era of the internet. And so he was drawing some similarities, and all these news publications said, author of dot-com bubble book says we're in the same situation that we were in in 2000 and that's not really exactly what he said. He said there were some similarities, but I can tell you about some differences. So first of all, in the dot-com bubble, the Internet was new, there weren't companies that were huge and integrated into this new technology in the way we are now, and so some of the biggest investment in AI is Meta, Google, like Microsoft, these companies that are so big and so profitable and so established, even if AI just like stopped being a thing tomorrow, they're not going anywhere. So it's a totally different economic business landscape than it was in 2000. Sure, there are some similarities. There was internet hype. Now there's AI hype. Yeah, you could draw them, but a lot of the AI investment is in these mega companies that are so well-resourced that it's very unlikely that we'll see, like an entire bubble and all these there will, for sure, be AI companies that don't do well, but it's a totally different situation in a lot of ways. So that's a good example of, like, how things can be skewed to scare people.Lesley Logan 25:36  Yeah, and I think I love you brought that up because I remember one of the one of my old business coaches, he had mentioned something was probably, it was a podcast, probably during the pandemic when we were all kind of worried. But it might have been a little after, to be honest. So I'm not going to get the dates correct on this, but he mentioned, you know, people are worried about a recession right now. And let me, let me, it must have been two years into the pandemic, because I'm now thinking, remember, I was driving to Vegas, but he said, let's just look at what the recession was in 2008 and when we knew we're in a recession, and actually how quickly we actually started to get out of it. And so, like, the, it's about the and you can correct me if I'm wrong, Tess, but it's like, you have two quarters in a row where things are declining, and then it's like, okay, the economy is retracting, and this is going on. By the time we were actually going up, it had been like another quarter was a little bit but like, things started to turn around. Now, it took a long time for people to feel that turning around, of course, he said. But the other thing we have to know is today, people's incomes are a bit more diversified as well. Not everyone is working for the same big companies. A lot of people have their own businesses. We have people who have a bit more ability to, Oh, this isn't making any money over here. I can make money over here. Not to say that we are, we all can't be hurt by this. But something that I remind myself of is like I am at the time of of 2008 I was only teaching people private one on one sessions in-person today where I'm at I have in-person stuff. I've got retreat stuff. I've got this online thing over here. Now can things retract? Absolutely, but one of those things might actually be more in demand, and I can lean more over there. And so I do think that we can take some emotions out of it and start to go we are all in a different place than we were, because we've learned from different things, and maybe we have to just start to keep in mind, like, what the people writing the headlines want us to do, which is react and have emotion because they because they have to sell ads so they can stay alive. Tess Waresmith 27:34  Yeah, totally. It's, that is a fantastic point and really important to remember, especially for business owners. And then the other thing I would say is, like controlling what we can control, like you just gave us a great example of what we can control. We can control our businesses. We can create new streams of revenue. You know, I love this quote that's like, there's never a lack of resources, only a lack of resource for people like the amount of like free information on the internet that you can find to help you create stuff, make money. It's out there. The other thing we can control is making sure that during these times we're not going into debt. So just making sure you're not spending more than you make that is a super simple tip to survive any kind of recession or stock market crash. And then the other thing I'll say is to look at it as, and this is harder, because it's counterintuitive, but as a massive opportunity. There are a lot of people that became very wealthy after 2008 because they saw the stock market crash and they went, Well, shit, this whole thing is on sale. I am going to invest as much as I possibly can, and as the market recovered, they saw phenomenal returns over the next five years or so. So that's another reason why this education and conversations like this are so valuable, is because, yes, it happens, yes it sucks, it doesn't feel good, but it's also a massive opportunity, if we understand that this goes in cycles, so just another, another way to frame it that's hopefully a little helpful.Lesley Logan 29:05  Yeah, I know that's like, I mean, that's the thing that I don't think enough people understand, because no one talks about it, right? No one talks about, like, after the Great Depression, who got really, really rich from that, and how they did it. No one talks about how after the dot-com even then there was, like, there was different people do benefit, and we do swing back up. And I think we tend to, maybe it's because of how our brains are wired. We look at, we look for the negative, and then we we live in fear, and then we do things based off fear, as opposed to, like, getting on top of the mountain and having a bigger perspective and understanding, like, what is going on and what, what, you said it the best, what can we control? And we can't control. I we can't we cannot control the stock market, unfortunately. We don't have that power yet, maybe, but we can control, like, how we prepare ourselves. And I think that's really, I think that's really key. So you talked about the different buckets you talked about, so preparing ourselves. As it would be as just to reiterate it, just make sure I heard them all, you know, not spending more than we have, so easy, making sure we have a bit more cash on hand, not just to weather any storms, but also sounds like so we can, like, take part of the garage sale that's gonna happen and then diversifying what we are invested in, so it's not all in one area and things like that. I guess I would also say, like, what would your wish be for every woman listening about their level of educating themselves on investments and money? Like, is this something they have to do weekly, daily? Can they do a crash course? Like, how much should they be thinking about this? Because I'm sure they're also thinking, okay, guys, on top of this, I have to think, you know, because, there is a lot going on. There's there's the worry that they have about the people down the street who aren't making enough. There's the the political stuff that's going on. There's a lot that they have to educate themselves on. Like, how much should they be thinking about this?Tess Waresmith 30:52  Yeah, it's such a great question. I'm gonna say it's less than you think once you get a basic education. So I would say the level of information that you should have about investing and the stock market and retirement accounts is roughly the same as getting your driver's license and learning the rules of the road and how to stop at stoplights, please, hopefully you're doing that, and how to put gas in your car, right? Like, like basics, right? Like, when you learn to drive, at first it was hard. You had to practice a little bit, but then you have it, and it's not going anywhere. That is the level of understanding that you have to have about finances in the stock market. So some things you should know are all the things we talk about, your personal cash flow, how money comes in and out of your life, what accounts you can use to build wealth. There's accounts that help you save on taxes, like 401(K)s and IRAs and ones that are just flexible regular accounts, both are great for different reasons. And then you should also know the basics of how to choose investments inside those accounts. And the type of investments that I think everyone should understand the basics of are not the kind of things that you have to go in and tweak every single week. In fact, the best type of investing is investing in funds that hold hundreds or thousands of stocks so these are usually index funds or index ETFs, exchange traded funds. This is just jargon for investments that hold a bunch of different stocks at once. And if you can learn that, and you can learn how to select ones that represent the market, the average return of the market over time is roughly 10% so even if you invest in the most simple way, and you just buy a fund that holds all the stocks that are publicly traded, you could, based on historical data, get the average return of the market at 10% that is like the minimum. That's what you have to learn. And that takes, like, weeks, not months, years, not a finance PhD. It takes you deciding that this matters and deciding that you want to retire comfortably, you want to have the flexibility to pivot, start a new business, do whatever you want, travel to Bali, Cambodia, whatever, like, that's why this matters. It's investing doesn't matter because of investing. It matters because of all those other awesome things you get to do with your life. So I would say, if you dedicated, like, and don't tell me you don't have enough time because you do like, like, half an hour on a Saturday morning, if you like, pick something and you watch some YouTube videos on it, it could change your life in like two or three months. So that's like, high level. I think people think it's going to be way harder than it actually is to learn the basics. And then once you've set up your system where you have money coming in from your business or job, some of that money might go to debt. Some of it goes to your savings some of it goes to your investing accounts. Guess what? All of that can be automated. You can just have an automatic transfer to your Roth IRA that goes directly into a simple fund that holds a bunch of stocks. You can automatically pay off your debt. You can automatically add a little bit more to your high yield savings accounts. Once you set up that system, the maintenance is negligible. There are accounts that I have not touched in over a year, and they're doing fine. Is there a point, at some point when you build more wealth that you might want to talk to somebody get some strategy for sure, of course, but if you understand the basics of what I just explained, which, again, takes weeks, not months, hours, not years. Once you learn the basics, then what you can do is find the right kind of help that's not going to screw you over with a bunch of hidden fees. You understand how the system works, so you can get help that's effective and not hemorrhaging money from your investing accounts, which is a very common problem I see all the time. So that's what I would say. I would say it's less hard than you think, reading two books and taking a course, setting aside time to watch some YouTube videos like being diligent in that way can honestly change your life so much faster than you think. The hardest part is deciding that this matters and then making a commitment to learn. That's the hardest part, actually, learning, it's not that hard.Lesley Logan 35:03  Oh, I love that so much. Okay, something that you do that I want to highlight real quick before, I mean, we could talk forever, but you are aunt. I'm an aunt. You do something epic for your niece, correct? Tess Waresmith 35:13  Yes. Lesley Logan 35:14  Can we, like, should we? Can we talk a little about, like, setting things up for, like, the shares? Tess Waresmith 35:19  Sure. Yeah, yeah. So one of the great math I'm going to say the best mathematical equation on the planet is compound interest, right? So that's why we're investing, because we invest a little bit, it grows and then we get that same return on that money, and then it just continues to grow and grow, right? That's the snowball effect of investing. That's why we're doing it. So if you start investing when somebody's young, or investing for a kid when they're young, the amount of money it takes to completely change their life is so much smaller than you think. So my niece was born this year, so she's zero. I'm not a parent. That's how you know I'm not a parent. I just said zero. Lesley Logan 36:04  It's all right, you didn't say it. So that's good. But yes, I know it's true. And then they talk in months for a long time, and I'm like, you know, we got to get to a year, and then I would be great. Tess Waresmith 36:14  Yeah. So let's say I already told you the average return of the stock market is 10% if I invest for my niece, little little Frida, not it. Little Frida like 100 bucks a month until she's 18, she will have roughly $54,000 given the average return of the stock market. Nothing like crazy, just the average return of the stock market. So that's pretty good, right? But what we don't remember is what happens after that, like, if she just leaves that account alone. So let's say I contribute $100 until she's 18 into an account. It could be a tax advantaged account. There are education accounts, but let's just say it's like a regular investing account, and I contribute that amount, and she's got $54,000 by the time she's 18. What I'm going to tell little Frida is girl just like, leave it there, make your own money, do whatever you want and leave it there for 30 years. Because if you do that, she's going to have roughly a million dollars in 30 years. And I contributed roughly, I don't know, whatever 100 like, month for. Lesley Logan 37:21  I would just say about $18,000 but maybe a little more, because it's 12, there's 12 months in a year. Tess Waresmith 37:24  Yeah, yeah, not a lot. The whole point is not a lot. Lesley Logan 37:27  Yeah, yeah.Tess Waresmith 37:28  So that's like, that's insane to imagine, right? $100 for 18, $100 a month for 18 years, and then it just sits that $54,000 just sits for 30 years. Lesley Logan 37:39  No added money. Tess Waresmith 37:40  She's, no added money. She's a guaranteed millionaire. I don't even have to support her in retirement. I already did. So so like that is, that is the power of compound interest. And I will say also, I'm glad she brought that up, because if you need a motivator to learn this, and you're a parent or you have nieces, this has to be your motivator. Because even if you're not in a place where you can invest $100 a month for your kid. No shame in that. What is so much more valuable than doing what I just told you is learning the basics for yourself, learning how to put on your own mask first, before assisting others so that you can teach your own little Frida the basics of what I just taught you, because if they learn how to do it, and they're contributing 50 bucks a month, 100 bucks a month, they're also going to be a millionaire in retirement. Tess Waresmith 38:03  Yeah, yeah. Love you so much. Okay, we're going to take a brief break and then find out how people can work with you, because I'm sure that's where they're at. They're like, I don't need a random YouTube person. I need you. Tess Waresmith 38:18  Sounds good. Lesley Logan 38:18  All right, Tess, where do you hang out? Where can they stalk you in the best way? Because you're gonna teach them all the ways and where and do you have courses? Do you have anything that they can work with you on? Tess Waresmith 38:48  Yes, absolutely. So I hang out on Instagram a lot @wealthwithtess is my Instagram handle, so follow me there. I also think if this conversation was helpful, I highly recommend that you grab my free investing guide. It has a ton of information of what we just talked about today, and it's going to help you, step by step, start thinking through this process of how to organize your money and start investing. And there's some great examples in there. So that is free, and that's at wealthwithtess.com/savvy S-A-V-V-Y wealthwithtess.com/savvy there's a free investing guide there. Honestly, I'd start there. That's a great place to get information. And then I'm always offering free workshops and opportunities to learn, and I share those so once you download that, you'll get on my email list. And I share information weekly and try to help you stay calm during the AI bubble madness that we're in. Lesley Logan 39:39  I feel so calm, you're like a cortisol little like control objection. You you know the drill. We have the bold, executable, intrinsic, targeted steps people can take to Be It Till They See It. What do you have to add to the amazing advice you've already given us?Tess Waresmith 39:53  I might have said this last time, but I'm gonna say it again. No one cares about your money more than you do. They just don't. So if you care about your money. What you're going to do after this is you're going to go into the show notes, download that free guide and spend 20 minutes reading it, and you're then you're going to pick a next step. That's what you got to do. You got to take action. You can't just listen to people talk about money. You got to do something with what you're learning. Lesley Logan 40:13  Yeah, I love that so much, because I do think people like, okay, check, thought about my money, right? And also like, then take an action that goes along with it. You're epic. I love you so much. I can't wait. We'll have to just make this, like, figure out a way to, like, an annual wealth with Tess, tell us how we're doing. Tell us what's up. You guys, what are you going to do with these tips in your life? Wealth with Tess, wants to know. I want to know so and also share this with all your friends. Because I actually do think when the biggest, this is a little tangent side story, but years ago, when I lived in LA those was so many emails were hacked, and what a lot of female actresses learned is they're making very little money compared to their male counterparts. And one of the things that came out of that is, well, women don't talk about how much they make enough. They don't talk about money enough. And I do think that if our friendships could go deeper into those ways. And it's not a flashy thing. It's an actual thing that allows us to educate ourselves of how much we can make in different areas. There would be less of a wealth gap. There would be more information, because we just don't know how much people are making at different places. And so make this be the start of the conversation about money with your friends, so you can have deeper, wealthier relationships. And until next time, Be It Till You See It. Lesley Logan 41:22  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 42:05  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 42:10  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 42:14  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 42:21  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 42:24  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Retirement planning mistakes federal employees make in their first year — from TSP decisions to FEHB coordination and Social Security timing — can cost decades of peace of mind and financial security. Learn the key retirement mistakes and how to avoid them with strategic planning and benefits coordination.

Jessica Nuremberg chose to become a single mom by choice after 40, navigating IVF, donor conception, finances, and community building along the way. In this honest and grounded conversation, she shares what it really looks like to choose motherhood outside of the traditional script and why taking one step at a time matters more than having everything figured out. This episode covers: Why becoming a single mom by choice is often a slow decision, not a bold overnight leap The emotional reality of IVF, including grief, hope, and resilience Fertility timelines and what women should understand about egg and embryo preservation Financial planning for solo motherhood and building long term security The role of community, donor sibling groups, and finding support Letting go of settling in relationships just to have children Dating after becoming a single mom by choice Jessica reminds us that you do not need to have every answer to move forward. You only need your next right step. Books mentioned: Is Your Body Baby Friendly? by Dr. Alan Beer Guest website: https://www.jessicanuremberg.com/ https://www.patreon.com/womendontdothat Instagram - http://www.instagram.com/womendontdothat/ TikTok- http://www.tiktok.com/@womendontdothat Blog- https://www.womendontdothat.com/blog Podcast- https://www.womendontdothat.com/podcast Newsletter- https://www.beaconnorthstrategies.com/contactwww.womendontdothat.com YouTube - http://www.youtube.com/@WOMENdontDOthat How to find Stephanie Mitton: Twitter/X- https://twitter.com/StephanieMitton LinkedIn - https://www.linkedin.com/in/stephaniemitton/ beaconnorthstrategies.com TikTok- https://www.tiktok.com/@stephmitton Instagram- https://www.instagram.com/stephaniemitton/ Interested in sponsorship? Contact us at hello@womendontdothat.com Produced by Duke & Castle Our Latest Blog: https://www.womendontdothat.com/post/i-don-t-do-resolutions-i-do-this-perfect-for-busy-women Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After you listen: Find more resources about 401(k) accounts and how they fit into your retirement plan. Read the article "Tracking Down a Lost 401(k)." On this episode, Mark is joined by Lee McAdoo, head of Retirement Plan Services, to cover the fundamentals of a how 401(k) supports long-term retirement saving and investing. They explain why 401(k)s can be so effective, including the role of tax benefits, employer contributions, and automated saving habits. The conversation also highlights how smart choices around contribution rates, investment approach, and staying disciplined during market swings can shape outcomes over time. Finally, they discuss common decision points that come up as life changes, so listeners can feel confident using a 401(k) as a core part of a retirement plan. Articles mentioned in the episode: "Why a 401(k) Is a Smart Move – Not a Scam" "How the 401(k) Student Loan Match Works" "What to Know About Catch-Up Contributions" Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder.  If you enjoy the show, please leave us a rating or review on Apple Podcasts. Reach out to Mark on X @MarkRiepe with your thoughts on the show. Follow Financial Decoder on Spotify to comment on episodes. Important Disclosures Investors in mutual funds and/or ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via Schwab. Please read the prospectus carefully before investing. This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Earnings on Roth 401(k) contributions are eligible for tax-free treatment as long as the distribution occurs at least five years after the year you made your first Roth 401(k) contribution and you have reached age 59½, have become disabled, or have died. A rollover of retirement plan assets to an IRA is not your only option. Carefully consider all of your available options, which may include but not be limited to keeping your assets in your former employer's plan; rolling over assets to a new employer's plan; or taking a cash distribution (taxes and possible withdrawal penalties may apply). Prior to a decision, be sure to understand the benefits and limitations of your available options and consider factors such as differences in investment-related expenses, plan or account fees, available investment options, distribution options, legal and creditor protections, the availability of loan provisions, tax treatment, and other concerns specific to your individual circumstances. Target date funds and target date trusts (collectively “target date funds”) are built for investors who expect to start gradual withdrawals of  assets on the target date to begin covering expenses in retirement. The values of the target date fund will fluctuate up to and after the target date. There is no guarantee the funds will provide adequate income at or through retirement. Asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans[. and has provided this communication to you as part of the recordkeeping services it provides to the ] Investing involves risk, including loss of principal. ​Past performance is no guarantee of future results. The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc. 0326-J7AH Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If contractors get 50% more efficient with AI, who captures the margin improvement?In this episode of KP Unpacked, KP Reddy and Nick tackle a question that went viral in construction circles: with all these AI companies raising capital to serve contractors, will owners and developers actually see lower costs? Or will GCs pocket the efficiency gains and maintain pricing power? The conversation spirals into economic theory, prisoner's dilemma dynamics, and why the WebMD playbook might predict construction's AI future.But the deeper thread is about what happens when an entire conservative industry, one built on stability, 401Ks, and predictable careers, gets blindsided by deflationary technology moving too fast to adapt. KP shares observations from an M&A conference where 200 AEC executives think AI is "ChatGPT helping me pack for trips," while tracking former firm owners coming off PE non-competes who could launch AI-native competitors overnight. Nick introduces a viral economic report painting a bleak 2028 scenario where AI delivers on all its promises but unemployment hits 10.2% and the S&P drops 40%.Key topics covered:Why construction AI companies target contractors, not owners, and who captures the ROI when margins improveThe prisoner's dilemma: will a mid-market GC defect and pass savings to clients to win volume?How one multifamily GC is guaranteeing outcomes by controlling supply chains and offering territory exclusivityThe WebMD precedent: doctors used it first, then consumers took control, will owners do the same with AI?Why 200 M&A conference executives had no idea what's happening in AI beyond trip-planning with ChatGPTThe 2028 economic doomsday scenario: AI succeeds, unemployment hits 10.2%, S&P drops 40%, software companies collapseWhy the rate of AI advancement is too fast for human adaptation, six Claude updates since January 12thHow KP is tracking former AEC firm owners coming off PE non-competes using Claude Cowork 24/7Why IT departments are the biggest barrier to AI adoption in conservative firmsThe "Friday AI Day" thesis: carve out four hours every Friday to tinker instead of leaving earlyWhy KP's 70-year-old brother-in-law (retired physician) wants to learn coding to pre-screen insurance denialsThe opposite of Y Combinator: an incubator in Costa Rica for retired people who want to build AI startupsThought experiment: 60-year-old contractor with hand tools vs. 35-year-old with power tools at identical pricingWhy experience + AI tools is the winning combination and what it means for next-generation knowledge workersThe impossible prediction: what jobs will exist for kids born in 2020?If you're a contractor wondering whether to pass AI savings to clients, an owner trying to figure out when pricing pressure arrives, or a knowledge worker in a conservative industry watching the future unfold too fast, this episode will challenge every assumption about who wins when technology moves faster than adaptation cycles allow.Listen now.BuildingWorks & Brookwood Sponsors

In this episode of Money Matters, Scott and Pat walk through smart decisions around Roth vs. pre-tax savings, pension lump sums, and when it actually makes sense to use your HSA. They help a high-earning family think through life insurance gaps and special needs planning, guide a soon-to-be retiree through a $1 million pension decision, and revisit a multi-million-dollar couple debating whether to spend or preserve a large HSA. From tax diversification to retirement income strategy to how certain accounts are treated at death, this episode shows the difference between surface-level investing and true financial planning for $2M+ portfolios. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain. Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

On this episode: Remember the creature feature scary movie when you were a kid? The financial industry is very similar. When you start tapping into your 401(k), Uncle Sam sees you in a whole new way. Many people try to do their own retirement planning. How are they doing five years later? Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Did you know there’s nearly $2.1 trillion in forgotten 401(k) and retirement accounts scattered across the United States? On this episode of The Financial Hour of The Tom Dupree Show, hosts Tom Dupree, Mike Johnson, and James Dupree tackle what they call America’s abandoned 401(k) crisis — and lay out a clear path for recovering lost retirement savings before it’s too late. With the average American staying at an employer for just 3.9 years, it’s no surprise that old 401(k) accounts get left behind. But those forgotten dollars represent real retirement income that could be working harder for you right now. Whether you’re in your thirties with scattered accounts or approaching retirement with assets spread across multiple former employers, the team at Dupree Financial Group explains why consolidating your retirement accounts into a personalized investment management strategy could be one of the most important financial decisions you make. Why Abandoned 401(k) Accounts Are Costing You More Than You Think The problem goes deeper than simply losing track of an old account. As Mike Johnson explained during the episode, there are two distinct sides to this crisis. The first is accounts that people genuinely forget about — they leave a job, move to a new city, and a 401(k) with a few thousand dollars slips through the cracks. The second, and far more common scenario, is when people know they have old accounts scattered around but never get around to consolidating them. “You have all these various pieces scattered around. You haven’t forgotten about them — they’ve just been sitting there. And there’s really no clear plan, no management, anything like that.” — Mike Johnson The costs of inaction add up quickly. Old employer plans charge administration fees and internal fund expenses that steadily eat away at your balance. Without active management, your investments may have been moved to money market funds or stable value options without your knowledge — meaning you’ve potentially lost years of compounding growth. Tom Dupree put it simply: “Money that’s together is better managed.” The Hidden Costs of Scattered Retirement Accounts Beyond the obvious risk of forgetting an account entirely, keeping retirement savings spread across multiple former employers creates a series of compounding problems. Fees erode your balance. Plan administration costs and internal fund fees are deducted from accounts whether you’re contributing or not. Over time, a dormant account can lose significant value to expenses alone. Opportunity cost is real. An old 401(k) sitting in a bond fund or money market account for 20 years has missed potentially decades of growth. As Mike Johnson noted: “How much did you leave on the table by just leaving it on autopilot?” Logistics become a nightmare at retirement. Multiple accounts mean multiple logins, multiple statements, and multiple required minimum distributions to calculate and manage once you reach age 73. No cohesive investment strategy. Without consolidation, there’s no way to ensure your overall allocation reflects where you are in life — whether that’s aggressive growth in your thirties or income-focused positioning as you approach retirement. Plan changes happen without you. Third-party administrators regularly swap out fund options within employer plans. If you’re not watching, your money may end up in an investment that no longer fits your goals. How to Find Your Lost 401(k) Accounts If you think you may have retirement money sitting somewhere you’ve forgotten about, there are several ways to track it down. Mike Johnson walked listeners through the key resources available. Contact your former employer. This is the most direct route. Many companies can tell you whether you still have a balance in their retirement plan and connect you with the plan administrator. Use the federal government’s search tool. In 2024, the Department of Labor launched lostfound.dol.gov, a searchable database specifically for private, non-governmental employer plans. You can search by Social Security number to locate plans connected to your work history. Check state unclaimed property databases. Some abandoned retirement assets may have been turned over to your state’s unclaimed property division, which maintains searchable records. The statistic is striking: 54% of savers don’t know where their old 401k is, and 61% don’t know their login credentials. If that sounds familiar, you’re far from alone — and the solution is more straightforward than most people realize. Your Four Options for an Old 401(k) (And Which One Actually Makes Sense) Once you’ve located an old retirement account, you have four choices. Mike Johnson broke them down clearly during the episode. Option 1: Leave it where it is. This is the easiest path — and almost always the worst one. The account sits unmanaged, accumulating fees with no investment strategy behind it. As Mike put it, this makes sense “0.00001% of the time.” Option 2: Roll it into your new employer’s 401(k). Better than leaving it behind, but still limiting. Most employer plans offer only 20 to 30 investment options, with many being target-date or broad index funds that may not fit your specific situation. Option 3: Cash it out. If you’re under 59½, you’ll face penalties and taxes. Even above that age, cashing out means losing the tax-advantaged compounding that makes retirement accounts so powerful. This should generally be a last resort. Option 4: Roll it into a professionally managed IRA. This is the approach the Dupree Financial Group team recommends for most people. An IRA gives you access to individual securities, ETFs, mutual funds, and a fully customized investment philosophy tailored to your goals and timeline. There are no tax consequences for a direct rollover, and you gain the ability to build a cohesive plan across all your retirement assets. The Power of Roth Conversions for Younger Savers One of the episode’s most actionable takeaways was Mike Johnson’s advice for younger workers with small, stranded 401(k) accounts. “If you’re in your twenties or thirties and you have some small legacy 401(k) stranded accounts, you can move that to an IRA and it would probably make sense to convert that to a Roth while you’re in a lower tax bracket.” — Mike Johnson The math is compelling. Pay a small tax bill now on a relatively modest balance, and that money compounds tax-free for the next 30 or more years. The team also discussed how Roth conversions were particularly powerful during the 2008–2009 financial crisis, when account values were depressed — converting low balances meant paying taxes on less and then watching all the recovery growth accumulate tax-free. For those closer to retirement, gradual Roth conversions can still make sense. The strategy involves filling up your current tax bracket with conversions each year, reducing future required minimum distributions and creating tax-free income in retirement. Tools like Morningstar’s retirement planning resources can help you model how different conversion amounts affect your long-term tax picture. In-Service Rollovers: A Strategy for Workers Over 59½ If you’re still working but have reached age 59½, you may have an option many people don’t know about: the in-service rollover. Most employer plans allow participants who are 59½ or older to move existing assets out of the 401(k) and into an IRA — while continuing to make contributions and collect any employer match in the plan. This means you can begin building an income-focused portfolio years before you actually retire. “At 59 and a half, you roll it to an IRA and then you’re preparing for retirement… you get that income stream rolling so that machine is now working.” — Mike Johnson The Dupree Financial Group team structures these rollovers around their dividend-focused investment approach, building portfolios of quality companies that generate consistent income. By the time you retire, the transition is seamless — your portfolio is already generating dividends, your relationship with your advisor is established, and linking your IRA to your checking account for retirement income is as simple as flipping a switch. Why Compounding Favors Those Who Start Now James Dupree brought a generational perspective to the conversation, noting that while younger workers may understand the concept of compounding better than previous generations, many still haven’t taken action on it. Tom Dupree shared a perspective from his 47 years in the investment business: “Everybody who’s got a large account — it started with a small one. That’s how it works.” The team emphasized that the size of your starting balance matters far less than getting that money working for you under professional management. A few thousand dollars left in an old 401(k), properly invested and compounded over 20 or 30 years, could grow into a meaningful piece of your retirement income. James illustrated the point with a personal example — calculating how much his girlfriend could accumulate by investing the daily savings from making espresso at home instead of buying Starbucks. The numbers were eye-opening, and the principle applies directly to abandoned retirement accounts sitting idle. Key Takeaways From This Episode Nearly $2.1 trillion in retirement savings is sitting in forgotten or unmanaged accounts across the U.S. Dormant 401(k) accounts lose value through hidden fees, opportunity costs, and unmonitored investment changes. The federal government’s lostfound.dol.gov database can help you locate old employer plans. Rolling old 401(k) accounts into a professionally managed IRA provides more investment options, lower fees, and a cohesive retirement strategy. Roth conversions on small, stranded accounts can be especially powerful for younger workers in lower tax brackets. In-service rollovers at age 59½ let you begin building retirement income while still working and collecting your employer match. Consolidating scattered retirement assets into one managed portfolio allows for coordinated tax planning, income generation, and a smoother transition into retirement. Frequently Asked Questions How do I find out if I have an old 401(k) from a previous job? Start by contacting former employers directly. You can also search the Department of Labor’s database at lostfound.dol.gov, which was launched in 2024 specifically for locating private employer retirement plans. State unclaimed property databases are another resource worth checking. Is there a tax penalty for rolling over a 401k to an IRA? No. A direct rollover from a pre-tax 401(k) to a traditional IRA has no tax consequences. Similarly, Roth 401(k) assets can roll to a Roth IRA without triggering taxes. The key is ensuring the rollover is done directly — trustee to trustee — rather than taking a distribution and redepositing. The IRS rollover chart outlines exactly which account types can transfer into which. What is an in-service rollover? An in-service rollover allows employees who are 59½ or older to transfer assets from their current employer’s 401(k) into an IRA while still working and contributing to the plan. This lets you begin building a managed retirement portfolio before you actually retire. Why shouldn’t I just leave my old 401(k) where it is? Dormant accounts accumulate plan administration fees and internal fund costs without any active management. Investment options may change without your knowledge, and the money isn’t aligned with your current financial goals or retirement timeline. What’s the difference between a 401(k) and an IRA for investment options? A 401(k) typically offers 20 to 30 investment choices selected by your employer’s plan administrator, usually mutual funds and target-date funds. An IRA gives you access to individual stocks, bonds, ETFs, mutual funds, and other securities — allowing for a fully customized investment strategy. Should I convert my old 401(k) to a Roth IRA? It depends on your current tax bracket versus your expected bracket in retirement. If you’re in a lower bracket now — especially if you’re younger — converting to a Roth allows all future growth to compound tax-free. The team at Dupree Financial Group can help you evaluate whether a conversion fits your specific situation. Schedule Your Complimentary Portfolio Review Have you worked for multiple employers over the years? You may have retirement money sitting in old 401(k) accounts that could be working harder for you. The team at Dupree Financial Group can help you locate scattered retirement assets, evaluate your options, and build a consolidated, income-focused portfolio designed for where you are in life right now. No obligation. No products to sell. Just an honest look at your situation. Call (859) 233-0400 or visit dupreefinancial.com/book to schedule your complimentary consultation. Listen to more episodes of The Financial Hour → Dupree Financial Group is a registered investment advisor. All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. This content is for informational purposes only and should not be considered personalized investment advice. Please consult with a qualified financial professional before making any investment decisions. The post The 2 Trillion Dollar Problem: How to Find and Recover Your Abandoned 401k Accounts appeared first on Dupree Financial.

we break down the three major 401(k) changes for 2026: contribution limit adjustments, a game-changing Roth requirement, and the controversial addition of alternative investments that sounds exciting but might distract from what actually builds wealth. We want you to know a record number of people hit millionaire status inside their 401(k), yet a shocking percentage of Americans still cash out their 401(k)s when changing jobs. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Peter and Charlie discuss the stock market, the bond market, the Fed, inflation, the economy and more on this special episode of Signal or Noise. 

Michael Toth, Research Director of the Civitas Institute, defends financialization against critics, arguing that expanded market participation through 401ks and deregulation drives median income growth and American productivity compared to Europe. 12.1900 BRUSSELS

If you plan to hit your 401K contribution limit for the year, but see that you can still add money through “after-tax contributions,” you may be wondering if that is a Mega Backdoor Roth and, more importantly, if you should do it. Nate Reineke and Kyle Hoelzle break down what exactly a Mega Backdoor Roth is and some cases where physicians should use it. We also discuss how you can still contribute post-tax dollars, plus some alternatives that may save you taxes in the long run. We also answer your colleagues' questions. A Dermatologist in New Jersey asks, “Is VOO enough exposure to the US market right now?” A Double doctor family in Oregon says, “Should we invest in a condo for our daughter who is going to undergrad and medical school at the same college next year?” A Radiologist in Texas wonders, “I just received a $300k inheritance. When is the right time to invest it, and what should I invest in?” Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Is your 401(k) protected from creditors in California, or is that just a myth? In this episode of Protect Your Assets, David Hollander discusses how California creditor-exemption rules may apply to retirement accounts and why protection can depend on individual facts and court interpretation. With recent updates under Assembly Bill 2837, effective January 1, 2025, many investors may be surprised to learn how courts actually interpret these protections. David reviews California Code of Civil Procedure Section 704.115 and key court decisions, including one well-known California case involving a 60-year-old executive in bankruptcy who argued that his retirement accounts should be fully protected from creditors. The court examined his age, income, expenses, and future earning potential before deciding how much, if any, of his retirement savings could be shielded. Through examples like this, David explains how factors such as your age, income, other assets, and proximity to retirement can determine whether your 401(k) is protected. If your retirement account is one of your largest assets, this episode clarifies what you need to know about 401(k) creditor protection in California and where potential risks may exist. You can send your questions to questions@pyaradio.com for a chance to be answered on air. Catch up on past episodes: http://pyaradio.com Liberty Group website: https://libertygroupllc.com/ Attend an event: www.pyaevents.com Schedule a complimentary 15-minute consultation: https://calendly.com/libertygroupllc/scheduleacall/ See omnystudio.com/listener for privacy information.

This week, Andrew and I answer your money questions, starting with Andrew's own real-time question: should he invest a lump sum all at once, dollar-cost average, or hold onto it in an attempt to time the market? We also answer other listener questions, including how to calculate your net worth, how to account for a pension in your retirement calculations, how to roll over a 401k from a previous job, thoughts on accessing retirement funds during a market downturn, tips for lowering bills, and tax and savings recommendations as you start to reach higher incomes.  Get the full show notes, show references, and more information here:  ⁠https://www.insideoutmoney.org/151-listener-qa-with-andrew-surviving-market-downturns-pensions-tax-savings-timing-the-market-dollar-cost-averaging-net-worth-calculations-401k-rollovers-and-more/⁠

Are private equity, private credit, and crypto coming to your 401(k)? And if they do, should you invest? In this episode, Jean Chatzky sits down with CFP® professional and Summit Place Financial founder Liz Miller to break down the new push to allow alternative investments, such as private equity, private credit, and cryptocurrency, in retirement accounts. In This Episode We Cover: What private equity and private credit actually are (in plain English) Why Wall Street is eager to bring alternative investments into 401(k)s The truth about private equity fees (including the “2 and 20” model) How much crypto is reasonable in a diversified portfolio Tax pros and cons of holding crypto in a 401(k) vs. a brokerage account Why illiquidity matters in retirement investing ✨ Want deeper investing conversations, live market breakdowns, and portfolio strategy guidance? Join the HerMoney Investing Club. Learn more about your ad choices. Visit megaphone.fm/adchoices

Si tú estás escuchando “AI, AI, AI” y piensas que todo es Nvidia y tecnología… este episodio te baja a tierra: sin energía e infraestructura, no hay AI.Carlos explica la rotación del mercado (industriales vs tech), qué está pasando con la economía, por qué el dólar se está debilitando, y por qué Bitcoin es fe (no valor intrínseco). Cerramos con Q&A y una conversación real sobre disciplina, side hustles y los “gurús” que venden carro alquilado.⚠️ Educativo, no asesoría financiera.00:00 Intro + sponsor + disclaimer (educativo, no asesoría)01:10 AI: el verdadero play es energía e infraestructura03:39 Por qué inversionistas venden tech (capex baja ganancias)04:15 Rotación del mercado: DIA vs QQQ / industriales suben05:30 ¿Cuándo empezó el cambio? señales desde mediados del año pasado06:40 Economía “trancá”: ventas flat + señales en PR07:45 Estímulos, planillas y “chispazos” para reactivar economía08:35 PR: reforma contributiva se cayó / alivio contributivo en veremos09:20 Dólar bajando + mercados internacionales suben (efecto FX)10:06 Teoría: devaluar el dólar para aliviar deuda e impulsar consumo11:00 Bitcoin cayendo: margen/leverage y falta de liquidez12:15 Bitcoin “no tiene valor intrínseco” (moneda vs blockchain)13:40 Comparación con GameStop / Dumb Money (demanda vs realidad)15:29 Qué fue el short squeeze explicado “for dummies”17:10 Intereses al 1%: efectos reales (casas, demanda, inflación)19:30 Oro/plata: cuando el hype está arriba, viene el palo21:45 Ahorra primero, gasta después (reglas 50/30/20 y variantes)23:40 401K en PR / dónde se maneja / cuentas de retiro25:10 Robinhood en PR: brokerage sí, IRA/ROTH no (para PR)26:20 Caso real: salario 113k, savings alto, student loans, qué ajustar30:10 Volver a PR: trabajos remotos, LinkedIn, resume + negociación 109932:07 Disciplina y metas: ejemplo déficit calórico y “hacerlo como puedas”34:30 Side hustles en PR: esteticistas, servicios high ticket36:00 Motivación es basura; disciplina es todo38:52 Contratista vs W2: taxes y negociación (visión general)41:30 Patrimonio vs cash: net worth real explicado44:43 Bad Bunny x Zara: escasez, reventa, valor de marca46:30 Resellers, taxes y el mercado “cash” (relojes, tenis, Pokémon)49:00 Por qué Carlos no ronca: el producto eres tú (conocimiento)52:00 “Gurús” y apariencia: cómo NO caer en la trampa55:00 Cierre + CTA: citas + subscribe

Epstein was not a blackmailer... he was a facilitator. The ruling Elite's escape trick is to paint themselves as victims. What the Epstein files show is how a man backed by an intelligence apparatus was able to provide services and desires for the Satanic Pedo Elite. The clown show that now surrounds this, from Pam Bondi's crazed testimony before congress to Trumps call to move on, are all a process of normalizing the elites behavior and minimizing the impact of the truth. The truth is that until America stops caring more for their 401K and investment worth than caring about kids, we are in for a dark and painful spiral to the bottom. God does not tolerate fools.  #BardsFM_Morning #PedophileElite #AccountabilityBeforeGod Bards Nation Health Store: www.bardsnationhealth.com EnviroKlenz Air Purification, promo code BARDS to save 10%: www.enviroklenz.com EMPShield protect your vehicles and home. Promo code BARDS: Click here MYPillow promo code: BARDS >> Go to https://www.mypillow.com/bards and use the promo code BARDS or... Call 1-800-975-2939.  White Oak Pastures Grassfed Meats, Get $20 off any order $150 or more. Promo Code BARDS: www.whiteoakpastures.com/BARDS BardsFM CAP, Celebrating 50 Million Downloads: https://ambitiousfaith.net Morning Intro Music Provided by Brian Kahanek: www.briankahanek.com Windblown Media 20% Discount with promo code BARDS: windblownmedia.com Founders Bible 20% discount code: BARDS >>> TheFoundersBible.com Mission Darkness Faraday Bags and RF Shielding. Promo code BARDS: Click here EMF Solutions to keep your home safe: https://www.emfsol.com/?aff=bards Treadlite Broadforks...best garden tool EVER. Promo code BARDS: TreadliteBroadforks.com No Knot Today Natural Skin Products: NoKnotToday.com Health, Nutrition and Detox Consulting: HealthIsLocal.com Destination Real Food Book on Amazon: click here Images In Bloom Soaps and Things: ImagesInBloom.com Angeline Design: AngelineDesign.com DONATE: Click here Mailing Address: Xpedition Cafe, LLC Attn. Scott Kesterson 591 E Central Ave, #740 Sutherlin, OR  97479