Podcasts about 401k

Your 401k wasn't built for you — it was built for your employer's HR problem, with Wall Street, Congress, and your company all pulling for their own interests, not yours. Andy, Noah, and Corey recap the Wealth Freedom Challenge, unpacking why the plan feels like bait: real money concealing a hook you can't see until it's too late. They walk through the shift that actually changes outcomes — turning a vague dream into a priced, scheduled project — then break down the real one-two punch of wealth building: compounding and leverage without debt. A dream stays a wish. A project gets a weekly meeting.

Speaking of Meta, check us out on Instagram - @alice973! 90210 alum AnnaLynne McCord married retired rugby player Danny Cipriani are in the hot seat for crowdfunding their wedding gifts. Pumpkin's daughter has been thrown out of school. Kit Harrington is joining the cast of the new Harry Potter series as Gilderoy Lockhart. Your significant other may be “cushioning” and you wouldn't even know it. PSA: Contribute to your 401K, and if you have kids, a 529. And guess what, teens are about to learn this in school!

Hour 1: Can you guess which Disney character teamed up with the 49ers? Katey Sagal celebrates 40 years of sobriety. Let's eat some headlines! Spider-Man to sink Titanic out of the top 5 biggest movies ever. How To Lose A Guy In 10 Days is getting a sequel. Will Matthew McConaughey and Kate Hudson be returning? 49er owner Jed York didn't have a sad lady sitting at home, but he is a bad tipper. If Alien life were confirmed tomorrow, would you take the bear? Another day, another list of dating turn-offs. Hour 2: Ironically, the only people without phones seem to be rich and famous. Artists shouldn't be doom scrolling their comments anyway, right? Maybe Meghan Markle isn't fired after all! Scott Budman is on the show! The Meta trial is really just getting started. Surprise! People are finding Meta glasses creepy. Vinnie is excited about the potential new Apple Watch. Scott thinks the price will likely stay the same. Humanoid robots are getting… athletic. Hour 3: Speaking of Meta, check us out on Instagram - @alice973! 90210 alum AnnaLynne McCord married retired rugby player Danny Cipriani are in the hot seat for crowdfunding their wedding gifts. Pumpkin's daughter has been thrown out of school. Kit Harrington is joining the cast of the new Harry Potter series as Gilderoy Lockhart. Your significant other may be “cushioning” and you wouldn't even know it. PSA: Contribute to your 401K, and if you have kids, a 529. And guess what, teens are about to learn this in school! Hour 4: Sometimes it takes a few tries to learn the ropes. It's time for a little Taylor Swift content. She opens up about choosing fame and how she accepts the consequences. Bob says the Empire State Building doesn't know anything. Kiss and make up! Then, share a banana split. A possible update on the Nancy Guthrie case. Pixar's first project was about the lamp! Mark Wahlberg and Juaquin Phoenix turned down Brokeback Mountain. As a kid, Vinnie was afraid Kiss would think he was gay. Plus, a new and amazing game!

If your practice has been using the same retirement plan for years simply because "it works," you may be leaving valuable planning opportunities on the table.   On this episode of 20/20 Money: The Business of Optometry, I'm joined by Jared Porter, co-founder of 401GO, for a practical conversation about how much the qualified retirement plan landscape has changed—and why optometric practice owners should periodically reevaluate whether their current plan still fits their business. We discuss why SIMPLE IRAs may no longer be as "simple" or advantageous as many owners assume, how technology has reduced much of the administrative burden historically associated with 401(k) plans, and why payroll integration should be one of the most important considerations when evaluating a provider. We also unpack some of the planning opportunities created by recent retirement-plan legislation, including startup and auto-enrollment tax credits, increased contribution opportunities, plan-design flexibility, and the ability to use profit-sharing contributions as part of a broader tax and cash-flow strategy. Jared and I also dig into an increasingly popular strategy: the mega backdoor Roth. While it can be valuable in the right circumstances, we explain why after-tax contributions aren't automatically available—or advantageous—for every practice owner and how required nondiscrimination testing can quickly change the math. This episode isn't about convincing every practice owner that they need a 401(k). It's about understanding the options available today so you can make an educated and informed decision about whether your current retirement plan is still the right tool for your practice, your employees, and your own financial independence.   Some of the topics we cover include: Why SIMPLE IRAs can become limiting as a practice grows How modern 401(k)s differ from the plans many owners remember from years ago Payroll integration and what "360-degree integration" actually means Auto-enrollment requirements and recent retirement-plan legislation Tax credits that may offset the cost of establishing and operating a plan Matching versus safe-harbor non-elective contributions Using profit sharing as part of a practice owner's tax strategy Why plan design should begin with the end in mind Roth 401(k)s, after-tax contributions, and the mega backdoor Roth The testing requirements that can derail an after-tax contribution strategy   NBS (Next Best Step): Pull out the details of your current retirement plan and ask your advisor to evaluate it based on today's rules—not the assumptions that were true when the plan was originally established. Specifically, review your contribution limits, employer contribution structure, payroll integration, investment flexibility, administrative costs, available tax credits, and whether profit sharing could improve your overall tax and retirement strategy.   Have a podcast-related question? Contact our team here!   Resources: 401GO Link: 5 reasons why I hate the SIMPLE IRA Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's book: How to Buy an Optometry Practice   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!

Are we headed for another housing crash — or is today's market fundamentally different from 2008?On this Ask Farnoosh Friday, Farnoosh digs into the state of the housing market with insights from real estate economist Dr. Joshua Harris, Academic Director of the Fordham Real Estate Institute. While some overheated markets are already seeing prices decline, Harris explains why today's housing landscape looks very different from the run-up to the Great Financial Crisis — particularly when it comes to housing supply, lending standards and homeowner equity.Farnoosh also examines the explosive growth of Buy Now, Pay Later, which is increasingly being used not just for clothes and electronics, but for groceries, rent, utilities, medical bills and even taxes. The question she wants consumers to ask: Are you using BNPL to solve a timing problem — or an affordability problem? Because those are two very different financial challenges.Plus, shopping scams are getting dramatically harder to spot thanks to artificial intelligence. The old advice — look for typos, awkward emails and suspicious-looking websites — isn't enough anymore. Farnoosh shares the new safeguards consumers should be using to protect their accounts, passwords, loyalty points and credit cards.Then, two excellent listener questions.First, Anne is in her 40s after spending two decades moving between employers and has accumulated a collection of 401(k)s, 401(a)s, 403(b)s and a rollover IRA. Should she consolidate everything? And is it actually safer to keep retirement money spread across multiple institutions in case one brokerage fails?Farnoosh explains the important difference between diversifying your investments and diversifying your custodians, how protections such as SIPC work, and why simplifying your retirement accounts can make sense — but only after checking fees, investment choices and plan-specific benefits.Finally, a listener follows up on the new Trump Accounts for children: Why is Robinhood the sole initial brokerage and trustee? Why can't families simply choose Vanguard, Fidelity or another provider from day one? And did Robinhood somehow pay for exclusive access?Farnoosh went digging. She explains the relationship between the U.S. Treasury, BNY Mellon and Robinhood, why Robinhood's role is described as initial rather than permanent, and why families should eventually be able to transfer Trump Account assets to another eligible provider. She also examines why questions about transparency are reasonable given the enormous customer-acquisition opportunity the program represents for Robinhood.Learn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Kelley Slaught discusses essential retirement planning strategies, including managing longevity risk, healthcare costs, tax planning, and early retirement considerations. This episode provides practical advice for building a secure and flexible retirement plan. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

Tim joins me for this conversation with our good friend Josh Bradshaw. Josh first came into our lives when he started dating our long time friend, Maggie Amini. Josh and Maggie are now married and recently welcomed baby Ruby into their lives.And when I first heard Josh's story, I was enthralled. Sometimes God reminds us through testimony just how creative He is, and today we get to hear all about his childhood years in London, what eventually brought him to fall in love with Jesus, and the wild story of how he landed in Texas where he's lived and served in different ministry capacities for nearly 20 years. This conversation is full of hearty laughs and poignant moments as we talk about everything from culture shock, to pressures high schoolers face today, the 401k that is relationships, and what we pray for our children. Ahh, this is such a good one - I've been so eager to share it!Memorable Quotes:“My parents were genuinely living by faith.”“I believed in Jesus from a young age but didn't really want anything to do with him if he looked like that.”“I lied my way through the interview. I could just make stuff up because I grew up in church and I wanted to get out of the house, I wanted to do something different, I had no future with this failed high school transcript.”“I didn't hear the gospel part, just the soccer part.”“I think it's Blue Like Jazz by Donald Miller where he talks about how he hated jazz music, and then he talks about how he went somewhere, probably New Orleans, and sees a guy playing jazz music, blood, sweat, and tears and goes - ‘wait that's jazz music? I like that.' It was the same for me and Jesus.”“All of a sudden, my 9-year old brother blurts out - ‘There's something different about Josh.' And no one really gave that any thought…but I went upstairs that night and said, ‘Jesus I don't know what you're doing, but I'm in.'”“One of my friends says that his 401k is relationships. And that's exactly what my life felt like.”Show Notes:Blue Like Jazz by Donald MillerJohn 10:10Psalm 42Subscribe to Josh's Substack where he writes on faith, marriage, work, and the everyday ways God shows up.

Learn how to accelerate your First Time Homebuyer journey from years to now by using your 401(k) to turn dead rent money into a wealth-building asset.This episode challenges traditional advice, revealing why a 401(k) loan is not a reckless sacrifice but a mathematically strategic diversification for first-time homebuyers. You'll learn specific IRS rules, practical tips for accessing funds, and how to convert years of rent into immediate wealth building. This strategic approach helps you escape the renting cycle and secure your financial future sooner."Using your 401K, IRA, or other retirement account to buy a home isn't sacrificing your future, it's ADDING TO IT. Buying a home is a mathematical win that simply is a diversification of your retirement portfolio."— David Sidoni, Nationwide First Time Homebuying Coach HighlightsWhy is the traditional homebuying playbook failing a generation of renters, and how has the market share of first-time homebuyers changed?What's the exact mathematical advantage of using a 401(k) loan to buy now versus saving for three more years, including principal, appreciation, and tax deductions?How can using a 401(k) loan actually lead to a higher retirement balance at age 59.5 instead of harming your future?What specific IRS rules allow for extended 401(k) loan repayment terms for primary home purchases, and how does this differ from a "hardship withdrawal"?What are the key differences between a 401(k) loan, an IRA withdrawal, and the implications of the SECURE 2.0 Act for accessing your funds?How can you take an inventory of your current and past 401(k) accounts and find a Unicorn Realtor team to guide you through these modern strategies?Why is paying tens of thousands in rent over several years mathematically irresponsible compared to building equity? Referenced Episodes & Resources161 – Achieving The American Dream: An Interview With Sally163 – Let's Hear From Another REAL Home Buyer: Amber's Story170 – Interview: 1st Time Home Buyers Find Compromise & the Triangle of Success198 – PMI Is a Privilege216 – PMI Is Still A Privilege And Still Not The Devil273 – Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)351 – How a Drama Teacher Bought a Home Solo (INTERVIEW)369 – INTERVIEW: From Fear to First Home: How Regina Bought Solo in Her 40s390 – INTERVIEW: Forced Out Twice, Tim & Vanessa's Dire Path to Owning426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7439 – First Time Homebuyer: Why Abigail Broke Her Lease and Bought in 90 Days460 – Rent vs Buy in 2026: Are First Time Homebuyers Crazy?HowtoBuyaHome.com/10steps - The #1 Educational System for First-Time Homebuyers in the USAHowtoBuyaHome.com/Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to to get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

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If you've recently inherited an IRA or need help getting the account established, Directed IRA can help you through the process and get your Inherited IRA opened: https://directedira.com/appointment/Need help establishing your estate plan? KKOS Lawyers can help you coordinate your estate plan, retirement accounts, beneficiary designations, trusts, powers of attorney, and other important estate-planning documents so your assets are positioned to pass according to your wishes: https://kkoslawyers.com/In this special collaboration between Directed IRA and KKOS Lawyers, Mat Sorensen, CEO of Directed IRA and Senior Partner at KKOS Lawyers, sits down with Senior Attorney Ryan Tosto to break down what happens to your IRA or 401(k) when you die and how to make sure your retirement assets pass to the people you intend to receive them.Mat and Ryan cover the differences between spousal rollovers and inherited IRAs, the options beneficiaries have after inheriting an account, and how the 10-year rule can impact the timing and taxation of distributions. They also discuss important distinctions between inherited Traditional and Roth IRAs, including strategies for managing distributions and allowing tax-advantaged assets to continue growing. Other key topics include: How to properly open and handle an inherited IRA after someone passes away  Why the beneficiary designation form is one of the most important documents when it comes to passing down retirement accounts  How trusts can be used to provide greater control over when and how beneficiaries receive inherited wealth  Planning for minor children and beneficiaries who may not be financially prepared to receive a large inheritance  How beneficiary designations should be coordinated with your overall estate plan  The differences between Traditional and Roth inherited IRAs  Required minimum distributions and how they can affect inherited Traditional IRAs  How inherited IRAs containing real estate or other alternative assets can be handled  Common estate-planning mistakes involving divorce, remarriage, children, trusts, and outdated beneficiary designations The goal is to help investors and families better understand the rules surrounding inherited retirement accounts and take the necessary steps before and after an inheritance to avoid unnecessary taxes, mistakes, and complications.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Workplace retirement plans are beginning to offer more ways for participants to convert accumulated savings into retirement income. For investors nearing retirement, these options raise an important planning question: should a portion of a 401(k) be used to create a predictable lifetime income stream? In this episode, Derek Gabrielsen, CRPC® and Dave Abate, CFP® discuss the evolution of 401(k) plans, the increasing availability of annuity and lifetime-income options, and the potential limitations of relying too heavily on a single solution. The conversation considers flexibility, spending needs, taxes, investment risk, product quality, and the role these options may play within a broader retirement plan. The discussion is designed to provide educational perspective for investors evaluating how their workplace retirement plan fits into their overall retirement strategy.

From saving early to investing in your health, Peter and Charlie share 10 practical tips for building wealth and working toward long-term financial success. Plus, discover where you can see Peter and Charlie live at a regional CONNECT26 event.

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How do you know it is time to bring in a 401(k) advisor—and how do you choose the right one without just chasing the lowest fee? In this episode, you'll hear how Weir Group structured an objective, employee-focused advisor search that balanced fiduciary prudence with true loyalty to their workforce.In this episode, Eric, Becky, and Puneet discuss:Need for advisory support beyond recordkeepingDefining prudence vs. loyalty in fiduciary governanceBuilding objective evaluation criteria for advisor searchesCulture fit and long-term partnershipKey Takeaways:An advisor search doesn't have to be triggered by a problem with the recordkeeper; it can be driven by the desire to enhance governance and education for participants.Strong fiduciary governance means being intentional about both prudence (process) and loyalty (acting for employees' best interests), not just minimizing organizational risk.Cost should be evaluated only after rigorously assessing culture fit, capabilities, and alignment with the plan's priorities and participant needs.Treating an advisor as a long-term partner—rather than a vendor—helps committees design a structured, unbiased search and choose the firm best positioned to support participants over time.“The first thing we looked at before we got our three objectives was: is this a good culture fit for us?” - Becky Stealey“Once those objectives are set, go back to your vendors, talk to them. Are there any additional services they have that you can utilize, so you're not paying double to both parties?” -Puneet BrarAbout Becky Stealey: Becky Stealey is a Benefits Manager with over 15 years of experience designing, managing, and optimizing employee benefits programs. She has led major implementations of benefits systems, HR platforms, and portals to enhance operational efficiency, compliance, and employee experience, and serves on 401(k) plan committees to guide retirement strategy and fiduciary governance.About Puneet Brar: Puneet Brar is a Senior Benefits Partner at Weir, overseeing U.S. retirement, health, and welfare benefit programs. Working closely with the Retirement Plan Committee and external advisors, she manages 401(k) plan operations, fiduciary compliance, vendor relationships, regulatory audits, and strategic initiatives designed to optimize plan administration and improve employee retirement outcomes.Connect with Becky Stealey:LinkedIn: https://www.linkedin.com/in/becky-stealey-a99308109/ Connect with Puneet Brar:LinkedIn: https://www.linkedin.com/in/puneet-brar-147012a/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.The opinions expressed by guests on the Be More Than a Fiduciary podcast are not necessarily the same as the opinions held by 90 North Consulting or by Executive Director Eric Dyson.

More than half of private sector workers are now contributing to a 401K, showing a much needed head of steam for plan participation at a time when the retirement savings gap poses a major threat to future retirees. Donna and Nathan discuss how new 401K plan features are making it simpler and more attractive for workers to save for retirement. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/6/2026; Original Air Date: 3/31/2025. 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.

Just when you thought America had invented every possible retirement account, along comes the Radish. Don and Tom dig into the proposed employer-funded savings plan, the man who helped create the 401(k), and whether workers really need another tax-advantaged vegetable in an already crowded garden.The practical answer is simpler: start saving now. A Roth IRA and one broad global stock ETF can do more good than waiting for the perfect account—or learning every acronym in the retirement alphabet.Listener questions cover diversifying beyond rental real estate, whether spreading accounts across custodians is useful cyber insurance, moving emergency cash from Ally to SGOV, Roth 401(k) matching, and Roth IRA withdrawal timing.00:37 Mountain music and backyard radishes02:40 The retirement-account alphabet04:36 What exactly is a Radish plan?09:04 Save now; simplify later11:53 Diversifying beyond rental real estate16:15 TSP, SEP IRA, and custodian cyber risk19:06 SGOV for an emergency fund21:26 Roth 401(k) matching and Roth IRA accessQuestions? Comments? Click!

Three Stackers call into the basement today with three very different problems, but they all boil down to the same uncomfortable question: what do you do when the "obviously right" financial move doesn't feel right? A generous employer match paired with fund choices you're not thrilled about. A tax bracket so low it seems wasteful not to convert. A life that just took a turn nobody expected, and a whole new set of financial tools nobody teaches you about until you need them. Joe, OG, and Anna Allen tackle all three with real, usable answers.What You'll Walk Away WithWhy turning down a five-figure employer match over fund quality concerns is almost always the wrong move, and the workaround that fixes it anywayThe real difference between an actively managed fund and a passive one, and why "active" isn't automatically a red flagA little-known 401k feature that can give you far more investment control without giving up your matchHow to think through a Roth conversion when your income, your future tax bracket, and even the state you'll retire in are all still unknownThe single mistake that quietly wastes a Roth contribution opportunity for good, since you can never get that calendar year backWhat an ABLE account is, and how it's different from a 529 in a way that matters enormously for a family navigating a new diagnosisWhy a special needs trust often gets layered on top of an existing estate plan rather than replacing it, and the questions worth asking an attorney before that meetingWhy This Matters NowGood financial advice usually comes with fine print that nobody mentions: what to do when the textbook answer doesn't quite fit your actual life. A workplace retirement plan with mediocre fund choices, a temporary low-income window that might not last, a family circumstance nobody could have planned for. The goal isn't finding a perfect answer; it's understanding the real trade-offs well enough to make a confident decision and adjust as life changes. That's true whether the stakes are a few hundred dollars in fees or a lifetime of care for someone you love.From the BasementA Financial Action Month detour into meal planning turns into a genuinely useful AI-assisted grocery hack, plus a spirited debate over Aldi loyalty and the eternal question of what actually counts as a proper turnover pastry. Some debates never get resolved in the basement, and that's exactly as it should be.Resources MentionedStacking Benjamins Field Kit — the all-in-one budgeting, net worth, and subscription tracking toolStacko Financial Action Month board — the interactive game with a money move for each squareThree Money Buckets video — Stacking Benjamins' YouTube Financial Basics courseYell Down the Stairs — submit a question for a future episodeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A rule changed on January first that takes the tax deduction away from catch-up contributions for a lot of people who are still working. We'll run through all the 2026 numbers and talk about whether it's still worth doing. In our Listener Question segment, a fellow in Connecticut is worried that the low-income window he's been counting on for Roth conversions may never show up, because his wife is a high earner four years younger than he is. He's come up with a clever workaround. And to close out the show we hear from a retired HR Manager. After building a successful career, he found a meaningful way to give back through Reading Partners, serving as a remote reading tutor for students who need extra support.   Resources: Article by Amy Arnott in MorningStar: Should Higher Earners Still Make 401(k) Catch‑Up Contributions?   Reading Partners: https://readingpartners.org   Connect with Benjamin Brandt: Subscribe to the This Week in Retirement: http://thisweekinretirement.com Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Work with Benjamin: https://retirementstartstoday.com/start Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart  

Is your 401(k) ready for retirement? David Hollander explains what to review as retirement gets closer, including fees, investment risk, taxes, income planning, and the investment options available within your plan. He also discusses how outside guidance may help you make more informed decisions about your 401(k) and prepare it for the transition from saving to generating retirement income. 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.

As market volatility, concentration risk and evolving retirement income needs reshape the defined contribution landscape, plan sponsors are taking a fresh look at the role of active management in participant portfolios.That is the subject of 401(k) Specialist's latest “Deep Dive,” and it's what we're talking about with MFS Investment Management Lead Retirement Strategist Jeri Savage in this episode of the 401(k) Specialist Pod(k)ast.We'll discuss why active management is back in the conversation, where it can add the most value alongside passive strategies, and how fiduciaries should think about portfolio construction as retirement plans continue to evolve. We'll also touch on retirement income solutions, the potential impact of private market investments, and what the typical 401(k) investment lineup might look like in 5 years.SEE ALSO:401(k) Specialist Deep Dive: Active Management in Uncertain Markets, Part 1 and Part 2

Is your 401(k) ready for retirement? David Hollander explains what to review as retirement gets closer, including fees, investment risk, taxes, income planning, and the investment options available within your plan. He also discusses how outside guidance may help you make more informed decisions about your 401(k) and prepare it for the transition from saving to generating retirement income. 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.

Accessing cash, building savings, and planning for retirement all involve choices between what we need today and what we may need tomorrow. We begin with securities-backed lines of credit and the heightened risks of borrowing against a concentrated stock position, including maintenance calls and forced sales when the share price falls. Next, we examine Radish, a proposed employer-funded savings plan designed to help workers save without contributing from their paychecks and consider how it compares with 401(k)s, pensions, and cash compensation. Finally, we look beyond the alarming headlines surrounding Social Security to explain what the projected shortfall could mean for Gen X — and how investors can prepare for an uncertain outcome without assuming their benefits will disappear.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 August 8, 2026  |  Season 40, Episode 32Timestamps and Chapters5:05: Borrowing Against Your Portfolio: Strategic Liquidity or Risk on Top of Risk?25:39: Could Radish Take Root? A New Approach to Workplace Savings36:35: Will Social Security Be There for Gen X? Follow 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

Welcome back to the TWU Local 513 Podcast! In Episode 9, we dive deep into one of the most critical aspects of your financial future and career longevity: 401(k) benefits, retirement planning, and protecting your hard-earned financial future. Whether you're decades away from retirement or preparing to hand in your badge soon, understanding how to maximize your 401(k), navigate company matches, and prepare for life after the shop floor or ramp is crucial.  

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Don opens with a spirited defense of AI as a creative tool—especially when it makes ideas possible that would otherwise be too expensive or time-consuming. Technology changes the jobs around us, but learning to direct it responsibly can expand what one person can make.Then it's on to listener questions: how charitable giving from a retirement account might work better through an IRA and qualified charitable distributions, whether dividends and bond interest should be reinvested, and why money generally belongs at work instead of waiting in cash.Finally, Don weighs a COLA-adjusted pension against a lump sum, considers a low-cost new 401(k) versus an IRA, gives a hard no to illiquid Why Refi promissory notes, and compares simple flexible retirement withdrawals with advisor-managed guardrails.03:40 — AI as a creative tool07:01 — Charitable giving, IRAs, and QCDs09:55 — Reinvesting dividends and bond interest11:37 — Pension or lump sum? Plus the next 401(k)14:52 — Why Refi and the danger of “magical” returns17:56 — Flexible withdrawals versus guardrailsQuestions? Comments? Click!

What happens to your 401(k) if the stock market drops 25%, and would the government step in to help?Nikolai Roussanov, finance professor at the Wharton School, explains the real risks behind modern retirement investing and why volatility is built into the system.From the 1987 crash to COVID-19, he breaks down how markets recover, why long term investors tend to win, and why bailouts are more likely to support companies, not individual portfolios. If you're relying on a 401(k), this episode will reshape how you think about risk, recovery, and protection. Hosted on Acast. See acast.com/privacy for more information.

Work with Paul: Schedule a 30-minute conversation What if your money problem was never a behavior problem? I keep coming back to the idea that doing well with money is mostly about patience and long-term thinking. I believe that. But what if you're already cleared that bar, and not where you want to be? You saved through every downturn since 2008. You never panic sold. But your financial lives are still not where you want them to be, and it costs real money. I walk through what actually goes wrong: two 401(k)s that were never looked at in the same window, a household stock allocation that nobody chose on purpose, equity comp that quietly builds concentration and leaves a tax gap that shows up in April, and beneficiary forms that have not been touched in over a decade. None of these is a behavior failure. They are decisions with no deadline attached, which is a different problem entirely. I also talk about the deadline I had to invent for myself, and why it's still uncomfortable to say it out loud. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to run your financial life, I offer complimentary 30-minute conversations. Schedule one here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn. Resources Featured in This Episode: Can we Really Do That? When Savers and Spenders Share a Life Aligning Assets and Liabilities: Temporal Diversification

What does it really take to shift from a traditional career path to building your own company—and how do your earliest money experiences shape the journey? In this episode of The Angel Next Door Podcast, listeners are invited to consider how personal financial histories and mindsets can be as pivotal as business acumen in entrepreneurship, especially when the goal is empowering others. Our guest, Stephanie Guttman, brings a uniquely diverse background, having started her career in corporate finance before moving through the world of startups, eventually becoming an investor and now a founder. She shares her early fascination with financial independence—opening an IRA at eighteen, working multiple jobs in high school, and volunteering for tax preparation—all of which laid the groundwork for her deep understanding of money, its power, and its potential as a force for individual autonomy. Throughout the episode, Marcia and Stephanie Guttman dive into the founding of Huntress Wealth—a platform designed not as a typical wealth management firm but as a resource for women seeking confidence, clarity, and purpose in their financial lives. Together, they explore the investing gap, societal and psychological barriers women face, and why understanding “enough” can be the secret to true financial empowerment. This conversation is a must-listen for anyone interested in the intersections of entrepreneurship, mindset, and financial equality, as it not only surfaces actionable ideas but also challenges listeners to rethink how they approach money and self-worth.   To get the latest from Stephanie Guttman, you can follow her below! https://www.linkedin.com/in/stephanie-guttman/   Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing! Website: www.marciadawood.com 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/ TikTok: https://www.tiktok.com/@marciadawood

⁠⁠⁠⁠Record-high 401(k) balances may make retirement savers feel like they are finally getting ahead—but the numbers could be creating false confidence. Vanguard's latest retirement savings data shows median 401(k) balances rising sharply, while much of that growth appears tied to strong stock market returns rather than improved saving habits. We explain why investment growth alone may not be enough, how the declining personal savings rate affects retirement readiness, and why increasing your contribution rate—even by 1%—can meaningfully strengthen your financial plan. Learn how much you should save for retirement, evaluate your 401(k), and become an active participant in building long-term wealth. 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. Learn more about your ad choices. Visit megaphone.fm/adchoices

Looking to take control of your retirement and want to use your IRA or 401K dollars to invest in alternative assets? Book a call with my team at Directed IRA to get started: https://directedira.com/appointment/?utm_source=live&utm_medium=youtube&utm_campaign=wohl_rothira_roth401kIn this episode, I break down the key differences between a Roth IRA and a Roth 401(k) so you can decide where to put your money for maximum long-term, tax-free wealth. We cover contribution limits, the core tax rules that make Roth accounts the most powerful retirement vehicle available, and the critical differences in withdrawal flexibility between the two accounts. We also walk through income limits on Roth IRA contributions, the backdoor Roth IRA strategy for high earners, and how to use both a Roth 401(k) and a Roth IRA at the same time to maximize every tax-free dollar you can legally protect.One of the most underutilized strategies we cover is self-directing your Roth account — instead of being limited to stocks, bonds, and mutual funds, you can invest your Roth dollars into real estate, private companies, private equity, and crypto. An IRA can invest in these alternative assets as long as it is held at a custodian like Directed IRA.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

In Silicon Valley, a "unicorn" is a private startup with a net worth of $1 billion. As the term suggests, these were once incredibly rare creatures. Most startups would go public within 4-7 years, long before they had a $1 billion valuation. But two key pieces of legislation made the rare into the rampaging, starting in 1996. In her new book, Untamed Unicorns: Why Startup Finance is Broken and How to Fix It, Renée M. Jones warns that by staying private and shielded from oversight and disclosure, these startups could be endangering the stability of our financial system. Jones, who served as the director of the Securities and Exchange Commission's Division of Corporation Finance under President Joe Biden, shows how these tactics were used (and misused) by startups like FTX, WeWork, Uber and Theranos. "One of the big concerns is that startups are taking advantage of the secrecy to engage in, we could call it 'antisocial' or 'unsocial' behavior, but there are not really any mechanisms for the public to really see what's going on," Jones tells Modern Law Library host Lee Rawles. "If Theranos's investors and directors understood that they were going to have to go public and prove that the product worked, they would've been more demanding on Elizabeth Holmes most likely, and they wouldn't have been able to get away with all of those lies." A big concern Jones has is with the recent push by private equity companies to allow regular retail investors and 401K plan managers to invest in these opaque and risky private startup companies. "That includes private equity, it includes infrastructure. It could even include crypto. Again, these are illiquid assets," says Jones. "There's no ready market for those shares. And they're high risk assets and there's not a lot of information to even know, 'What am I actually invested in?' " "If the Department of Labor's plans are adopted, you're going to have to really work hard to avoid having any private equity in your 401k plans," Jones warns. "There's a risk that these overvalued assets are going to be transferred from professional investors who can act to protect their interest to sort of your average, unsophisticated 401k saver." In this episode, Jones shares her advice for reforming the oversight of these companies, warning signs that financial novices should be on the look for, and introduces a new creature to the financial bestiary: the centicorn.

Paul and Angela in Florida are 52 and 45. What's the earliest the two of them can walk away from work at the same time, so Paul can spend a whole lot more time in the boat? That's today on Your Money, Your Wealth podcast number 593. Then the fellas spitball for Mike in Riverside. His mom inherited his dad's IRA at age 84. Can she still roll it into her own? Edward in Illinois is watching his bond funds lose value even while they pay him interest, and he's wondering if treasuries are the fix. "Blanche Devereaux" in California is 55 with $1.1M in pre-tax. Should she go all Roth for her last five working years? And "Mr and Mrs Smith" on the Carolina coast want to know if they can afford to retire at age 59.Free Financial Resources in This Episode: https://bit.ly/ymyw-593 (full show notes & episode transcript)LIMITED TIME SPECIAL OFFER: The DIY Retirement Guide! Download yours before the Special Offer changes on Friday, August 7, 2026! https://purefinancial.com/ymyw/#specialoffer9th Annual YMYW Podcast Survey (password ymyw):https://www.surveymonkey.com/r/ymywpodcast2026Your Favorite Money Influencer Might Be Wrong - YMYW TV:https://purefinancial.com/ymyw/episodes/financial-advisors-expose-internets-worst-retirement-strategies/?utm_source=captivate&utm_medium=podcast&utm_campaign=ymyw-tv&utm_content=ymyw-pod-ep593-description-tv-s11e11Financial Blueprint (free, self-guided):https://bit.ly/YMYWblueprintCREQUEST your Retirement Spitball Analysis:https://bit.ly/YMYWaskCDOWNLOAD more free guides:https://bit.ly/YMYWguidesCREAD financial blogs:https://bit.ly/YMYWblogCWATCH educational videos:https://bit.ly/YMYWvidsCSUBSCRIBE to the YMYW Newsletter:https://bit.ly/YMYWnewsletterCConnect With Us:Subscribe on YouTube and join the conversation in the comments:https://bit.ly/YMYW-YTSubscribe or follow YMYW in your favorite podcast app:https://lnk.to/ymywLeave your honest reviews and ratings in Apple Podcasts:https://podcasts.apple.com/us/podcast/your-money-your-wealth/id312900254Chapters: 00:00 - Intro: This Week on the YMYW Podcast00:58 - Nearly $3M at 52 and 45. When Can We Retire Together? (Paul & Angela, FL)12:56 - Mom Inherited Dad's IRA at 84. Can She Still Roll It Into Her Own? (Mike, Riverside, CA)18:13 - Bond Funds Keep Losing Value Despite Paying Interest. Treasuries Instead? (Edward, IL)25:06 - $1.1M Pre-Tax: Roth for the Last 5 Years? (Blanche Devereaux, CA)35:10 - How Much Will We Have by 2030? Is It Enough to Retire at 59? (Mr. & Mrs. Smith, Coastal NC)39:26 - Comment: No NUA Step-Up at Death (Jeff)42:20 - MYGA vs. Immediate Annuity. Is MYGA a CD in Disguise? (Holly, San Francisco)44:18 - Outro: Next Week on the YMYW Podcast

From your 20s to your 60s, the priorities change—but the basic job doesn't. Don and Tom walk through emergency savings, Roth IRAs, 401(k) matches, rebalancing, retirement planning, Social Security, Medicare, and estate planning, decade by decade.Then Mary calls with a smart Roth-conversion puzzle. They weigh whose IRA to convert, how much to move without wasting a low tax bracket, the age-59½ penalty, and why a household's accounts should be managed as one portfolio—even when the spouses have very different tolerances for risk.Finally: whether retirees still need emergency cash, how much umbrella insurance is enough, when a family office begins to make sense, and three near-identical retirement portfolios from a listener in Wagner, South Dakota—whose hometown briefly steals the show.00:25 Tom's brassy choice01:36 Financial priorities, decade by decade02:58 Start early with a Roth IRA04:02 Your 30s: emergency cash and the 401(k) match06:02 Your 40s: fixed obligations and retirement planning09:13 Your 50s: risk, HSAs, and getting on track10:45 Your 60s: Social Security, Medicare, and estate planning14:48 Roth conversions and household asset allocation24:12 Emergency funds in retirement27:01 Umbrella coverage and family offices30:16 Three retirement portfolios from WagnerQuestions? Comments? Click!

Watch the YouTube version of this episode HEREWhat if your law firm's 401(k) is quietly costing you tens of thousands of dollars each year?In this episode, Tyson talks with Paul Sippil, also known as the 401(k) Vigilante, about the hidden fees and confusing payment structures built into many retirement plans.Paul explains how he reviews publicly available Form 5500 filings to determine what firms are paying for recordkeeping, administration, custodial services, and financial advice. He also shares why two firms with the same number of employees can pay drastically different fees simply because one plan has accumulated more assets.In this episode, we dive into:Why many firm owners do not know who their 401(k) advisor is, or what that advisor actually doesHow asset-based fees can cause a successful firm to pay more without receiving additional serviceWhy Paul believes every retirement-plan provider should send a clear invoiceWhich 401(k) fees may be negotiable or eliminatedHow excessive fees can affect both law firm partners and employeesWhat attorneys should know about the ABA retirement programThe shocking story of a company that paid nearly $49,000 in commissions while its listed advisor had been dead since 2014Paul also shares practical questions law firm owners can ask their providers to better understand their plans, uncover unnecessary costs, and determine whether they are actually receiving the services they are paying for.Timestamps01:14 — What a forensic 401(k) consultant does 04:34 — Why many owners do not know who their advisor is 09:28 — Why every provider should send an invoice 12:19 — The problem with asset-based fees 13:38 — Why nearly every 401(k) fee is negotiable 15:31 — How small law firms can pay up to $50,000 a year in fees 19:09 — The ABA retirement-plan option for law firms 24:11 — Making hidden participant fees visible 31:43 — Could AI disrupt the retirement-plan industry? 34:06 — The company paying an advisor who had been dead since 2014 41:45 — Alternative approaches to health insurance and employee benefitsIf you own a law firm and have not reviewed your retirement-plan fees recently, this episode will help you understand what to look for, what questions to ask, and where your firm may be overpaying.Connect with PaulLinkedInWebsite

latestLatest episode of the podcast. Please consider sponsoring a class online in someones merit, memory or refuah shelemah. You can donate here in the app or send us an email at info@ejsny.org with the dedication you want to make. Thanks!

A 1% contribution increase doesn't sound life-changing. Neither does a slightly higher investment fee or a small piece of an employer match. But over an entire career, these tiny percentages can become six-figure decisions. This week, Pete reveals the flashy math hiding inside your company-sponsored retirement plan. You'll discover how an extra 1% could become more than $70,000, how one misunderstanding could cause you to miss thousands in employer money, and how an invisible fee difference could consume over $100,000 of future wealth. Your retirement plan is filled with small levers attached to surprisingly large outcomes. It's time to find out which ones you should pull.

Book a call: https://remnantfinance.com/calendarEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEWould you raise your children with the rules you accept for your 401(k)? Lock it away until 59 and a half. Pay a penalty to touch it early. Hand it to a manager you will never meet. Check in decades later and hope it worked out. Applied to a retirement account, that is just the default. Applied to a child, it is unthinkable. Before he takes it apart, Hans gives the 401(k) an honest steel man: the match really is part of your total compensation, the tax treatment is real, and for someone low on both financial literacy and discipline, forced savings may be the single best thing that ever happens to their balance sheet.Chapters:00:00 – Opening segment02:55 – The premise: would you raise a child like a 401(k)?06:45 – Why enter an industry this saturated11:30 – Defensive coordinator, offensive coordinator, head coach14:20 – Cash value as the buffer in a down market16:20 – Decumulation, Social Security timing, RMDs, and beneficiaries20:40 – The honest steel man for the 401(k)25:50 – Roth versus traditional and paying tax on the seed26:40 – The tax code as a map around income27:50 – Forced savings and where the 401(k) genuinely shines31:25 – Will 70% of your income really be enough?36:20 – The box, the penalty, and the friction that works both ways37:20 – Would you outsource raising your children?47:20 – Most of your time with your kids happens before they turn 1848:25 – Which rules will still exist when you turn 60?50:35 – Buy and hope dressed up as buy and hold54:15 – Net worth versus cash flow and the $3 million mansion57:00 – Contract wealth versus statement wealth59:15 – Closing segmentKey Takeaways:The match is not free money in the way LinkedIn tells you it is. It is a piece of the economic value your employer already assigned to your labor, and you only unlock it by parting with your own capital first.The 401(k) works, and it shines for one profile: low financial literacy paired with low discipline. If money leaves your hands regardless of intent, automatic enrollment and a penalty for early access may be the only thing standing between you and nothing. Whether you choose Roth or traditional comes down to a bet about the future. The conventional plan assumes you will need roughly 70% of your current income and land in a lower bracket. Locking capital away for 30 years is also a bet on political stability. The access ages have been changed before, they will be changed again, and $40 trillion sitting in qualified plans is a resource the system is already leveraging..Money is not math. Behavior is the largest determinant of any outcome, more than knowledge and more than which strategy you choose. Protect, save, grow in that order. Your capital feeds the people you love, so stop treating it like a stranger's science project.

You've been showing up. Doing the workouts. Putting in the time. And still, nothing is giving back — no strength, no visible muscle, no change in your body composition. In this episode, Melissa breaks down why muscle is the single best investment you can make in your midlife body, why so much of what women call "strength training" isn't actually building muscle, and why you can't build muscle on top of a body that isn't recovering. This is Strength — the fourth S in the 6S Method inside Well Nourished.IN THIS EPISODE, YOU'LL LEARN:Why your muscle is your 401k — the investment that compounds slowly and pays off for decadesWhat muscle is actually doing for you in midlife: regulating blood sugar, keeping your metabolism healthy, and keeping you mobile and independent as you ageHow muscle changes everything if you're on a GLP-1 — lower doses, fewer side effects, better outcomesThe truth about the fear of getting "bulky" (and why it's nearly impossible for most women)Why Pilates, hot sculpt classes, and grabbing the familiar weight in a group class are not strength trainingWhy cardio is a taking exercise and strength training is a giving-back exerciseCreative ways to apply progressive overload beyond just lifting a heavier dumbbell — sets, reps, rest time, and tempoHow to measure your progress in the data of your workouts while you wait for the mirror to catch upWhy women who already know progressive overload still lose muscle — and the other S's that make strength training actually workTIMESTAMPS:00:01 — Well Nourished waitlist + welcome 01:14 — Where Strength fits in the 6S Method 01:46 — Your muscle is your 401k 02:38 — The good news: you're not starting from zero, and muscle has memory03:10 — What muscle actually does for you (blood sugar, GLP-1, mobility, independence) 03:56 — Nobody is taking my dog from me 04:15 — The fear of doing "too much" and getting bulky 05:30 — Nobody wants to be skinny fat — what body composition change really means 06:00 — When your workouts aren't giving anything back 06:33 — Pilates vs. traditional strength training 07:15 — Hot sculpt classes: leaving strength on the table 08:15 — Grabbing the familiar weight is movement, not strength training 08:58 — Cardio: a taking exercise vs. a giving-back exercise 09:58 — How to measure if your training is working 10:30 — Progressive overload beyond heavier dumbbells: sets, reps, rest time, tempo 11:12 — Measuring body composition: InBody, DEXA, photos, trends 12:44 — Let the data motivate you while the mirror catches up 13:30 — Client story: you don't need to be good at working out, you just need a plan 15:07 — "I already do all of this and it's still not working" 15:30 — You can't build muscle on a body that isn't safe 16:45 — Why all the S's are foundational to each other 17:05 — Join the Well Nourished waitlist + what's nextRESOURCES:

Welcome to the Minority Mindset Show! Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link2.briefs.co/gie Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

In Episode 380 of The Real Jason Duncan Podcast, picture the number at the top of your 401k. It's a good number. It's bigger than it was a few years ago. It feels like proof you're doing this right. Now actually try to use a dollar of it. You can't. Not without a penalty. Not without a tax bill. And not for years — sometimes decades. Your 401k is the most money you'll ever own and the least money you're actually allowed to touch. And nobody tells you that part when they sign you up. In this solo Wednesday episode drawn from his What's Real newsletter, Jason dismantles one of the most widely accepted golden cages in personal finance — the responsible retirement plan that penalizes you for getting in early, forces taxable withdrawals later, and bets your future on a tax rate no one alive today can promise. In this episode, Jason covers: What actually happens when you pull money out of a 401k before 59½ — and what a $50,000 withdrawal really nets you Why Jason cashed out a 401k and 403b seven years ago — and what it cost him to access his own money The penalty you get for leaving the money too long — and why the government forces taxable withdrawals at 73 whether you need them or not The tax deferral bet — why postponing taxes assumes a rate decades from now that nobody can guarantee What happened to Social Security taxation between 1984 and today — and why the rules always can change The one question that actually matters about any money you're building What Proverb 27:12 says about the prudent and the simple — and why the word penalty lands differently after this episode The strategy Jason uses now that works almost backwards from a 401k — and why it answers nearly every problem the locked box creates The gold is the employer match, the deduction today, and the balance climbing on the screen. The bars are the penalty to get in early, the forced withdrawals later, and the tax bill handed to a future Congress that will never know your name. This isn't financial advice. It's a question worth asking before you pour another dollar into a box you can't open.

Send us Fan MailYou're earning $300K. So why does it feel like you have nothing left to invest?In this episode, Dr. Latifat breaks down the simple but game-changing principle that has helped women physicians max out their 401Ks, buy real estate, and invest in themselves without changing their income at all.In this episode:Why earning more money is not actually the solution The "one pot" problem — what happens when all your money has the same level of importance The client who maxed out her 401K for the first time ever — without a raise What actually counts as an investment and what doesn't How what counts as an "investment" changes with every season of life "An investment is not only when you buy a house. An investment is when you become a different version of yourself."If you're tired of feeling like medicine is something you have to keep doing instead of something you get to choose, this workshop is for you.If you're tired of feeling like medicine is something you have to keep doing instead of something you get to choose, this workshop is for you.Join us to learn how busy women physicians are creating financial freedom, building real options, and designing lives they do not need to escape from without waiting for traditional retirement.

Leverage the Infinite Banking Concept to invest in passive income, build tax-advantaged wealth, and maximize cash flow on August 12, 2026 (1:00 – 4:00 PM CT). Learn from Anthony Faso & Cameron Christiansen, Dr. Axel Meierhoefer and Adam Kolojejchick-Kotch.

P.M. Edition for July 22. WSJ special writer Theo Francis explains how startup founders, hedge-fund managers and Silicon Valley insiders are using IRAs to supercharge their wealth. Plus, trade uncertainty comes roaring back. WSJ trade and economic policy reporter Gavin Bade explains the Trump administration's new front on tariffs. And Journal reporter Sam Federman explains how the New York Mets turned baseball's highest payroll into its biggest waste of money. Danny Lewis hosts. Sign up for the WSJ's free What's News newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

An alarming number of people have access to a 401(k) and are either not using it, not getting the full employer match, or not making the simple moves that turn a good account into a great one. Joe and OG dedicate a full episode to the retirement account that most people take for granted -- covering contributions, matching, investment selection, Roth versus traditional, and the specific decisions that separate people who retire comfortably from people who almost got there. Plus wins from the Stacker community and trivia that will make you the most dangerous person at your next dinner party.What You'll Walk Away WithWhy the employer match is the single highest guaranteed return available to any investor -- and the specific contribution level that captures every dollar of itRoth 401(k) versus traditional 401(k): the one question that cuts through all the noise and tells you which one to use right nowWhy your investment menu feels overwhelming and how to make a great choice in under five minutes using one simple filterThe auto-escalation feature most people never turn on -- and why setting it up once can add tens of thousands of dollars to your balance without you doing anything elseWhat to do with your 401(k) when you leave a job: the four options, which one is almost always wrong, and which one most people choose anywayWhy contribution limits are higher than most people think -- and the catch-up contribution that becomes available at 50 that most people in their 40s don't know to plan forThe vesting schedule trap: why your employer match might not actually be yours yet -- and what that means for anyone thinking about leaving their jobWhy 403(b) and 457 plans follow most of the same rules -- and the one unique advantage the 457 has that almost nobody knows aboutOG on the single most common 401(k) mistake he sees in client portfolios -- and how long it typically takes to fixStacker wins from the community: the specific moves people made this month that are already paying offWhy This Matters NowEvery year you don't optimize your 401(k) is a year of compounding you don't get back. The moves in this episode are not complicated -- but most people either don't know about them or keep putting them off. This is the episode to send to anyone who has a 401(k) and has never really looked at it.From the BasementJoe and OG celebrate the 401(k) in mom's basement while OG recovers from completing the Triple Bypass -- a Colorado cycling event that covers three mountain passes and approximately all of the elevation gain in the western hemisphere. OG's wife asked if he'd do it again. He answered with a childbirth analogy. Doug arrives with trivia that will be re-shared all week. The community delivers wins that prove the system works.Resources MentionedStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins BAD Groups -- stackingbenjamins.com/badStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201OG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3633: Logan Allec explains how seemingly small retirement account charges, like 12b-1 fees, administrative costs, advisory fees, load fees, and transaction commissions, can quietly erode long-term savings. Understanding where your money is going and reviewing your plan documents regularly can help you make smarter decisions and potentially keep more of your retirement nest egg. Read along with the original article(s) here: https://savingjoyfully.com/blog/hidden-401k-fees-no-one-talks-about Quotes to ponder: "Providers are responsible for managing the funds in the account and making sure everything runs smoothly." "You may be surprised when you realize how much of your contributions are covering these costs rather than your retirement." "It's important to review your plan's prospectus every year to learn about any changes." Learn more about your ad choices. Visit megaphone.fm/adchoices

On this new Suze School, Suze teaches a lesson about the differences between a SEP IRA and a Solo Roth 401K. For those of you who are self-employed, know someone who is or think that you may become self-employed down the road, this is for you. Learn more about the Ultimate Scam Protection here: SuzeOrman.com Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3G Help with the Must Have Docs: Email:support@musthavedocuments.zendesk.com Phone: 888-510-0510 Get your savings going with Alliant Credit Union: https://bit.ly/3rg0Yio Get Suze’s special offers for podcast listeners at suzeorman.com/offer Join Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.