Podcasts about 401k

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In this episode of the Smart Real Estate Coach Podcast, I'm hanging out with someone who's been in the trenches in some of the toughest rental markets and came out retired on a Florida beach — Ron Faraci. Ron has owned and managed several hundred low-income rentals, transformed ugly, problem portfolios into highly profitable ones, and ran CT REIA, the fifth-largest real estate investors association in the country. He's also the author of Confessions of a Landlord and creator of the now-famous 31-page "Bulletproof Lease."     We unpack how Ron quit his job, cashed out his 401(k), and went all-in on class C/D "ghetto-adjacent" properties, why he cares more about terms than price, and how he used forced appreciation and systems to retire in his mid-40s. He shares real-world landlording tactics—no garbage disposals, painted "magic handles," orange-coated copper, even canine-unit letters to chase off drug dealers—plus why he runs his business with "no mercy, no quarter" and a lease tenants initial 80+ times.   If you're a landlord, property manager, or aspiring buy-and-hold investor who wants cash flow, control, and fewer headaches, this conversation is a masterclass in how to make tough rentals profitable without losing your mind.   Key Talking Points of the Episode   00:00 Introduction 01:03 Who is Ron Faraci?  02:30 Semi-retired in St. Augustine, FL (and why the beach isn't "enough") 03:13 Blue-collar beginnings, LA sales job, and a fear of losing it all 04:34 Quitting the job, cashing in his 401K and burning the boats 05:05 Discovering creative financing early in his real estate career 06:02 Finding his tribe in CT REIA and buying it 07:11 Selling CT REIA and realizing that there's no finish line 08:45 Why joining your local REIA is key to getting started 10:20 Macro curveballs & building your "pivot muscle" 11:16 The pivot during COVID: Zoom meetings & over-delivering value 12:44 The money in tough, low-income areas 13:30 The million-dollar "worst two-family" example 14:02 No mercy, no quarter: If you want a friend, buy a puppy 15:16 The importance of knowing your fastball and letting someone else run your business 19:17 Appreciation vs. forcing NOI with cap rates as multipliers 20:38 What doesn't belong in low-income units 22:24 Magic handles, dirty copper & fly-free trash cans 25:30 Clearing out drug dealers with a single letter 27:57 The story behind The Bulletproof Lease 28:31 Where to find a copy of the Bulletproof Lease   Quotables   "You grow up with no money, you're stressed about having no money. Then you get a little bit, you're stressed about losing it."   "If I was playing poker, I pushed all the chips in. If you want to take the island, burn your boats."   "No mercy, no quarter… If you want a friend, buy a puppy… and if you want to eff around, you're going to find out."   Links   The Bulletproof Lease https://bulletprooflease.com   QLS 4.0 - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast   Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Strategy Session https://smartrealestatecoach.com/actionpodcast   Partners https://smartrealestatecoach.com/podcastresources

In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy protection under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. However, that protection is specifically tied to bankruptcy proceedings. If you're sued in civil court, the Federal bankruptcy statute doesn't automatically apply, state law takes over… By pointing out differences between states like Texas, Arizona and Florida on one end, and California and Montana on the other, David explains that whether your Roth IRA survives a potential lawsuit intact depends largely on the state in which you reside. Roth 401(k)s play by a different set of rules, as they fall under the 1974 Employee Retirement Income Security Act (ERISA). David notes that "ERISA is the big Federal law that governs most employer-sponsored retirement plans, and it comes with some of the strongest creditor  protection available anywhere in the financial world."  According to David, it's not hard to see why the Federal Government is going to need huge infusions of new revenue in the very near future. Wondering how they will be raising that capital? By targeting the nearly $45 trillion in tax-deferred retirement accounts like IRAs and 401(k). In other words, while your retirement accounts may indeed be largely immune to lawsuits, they're entirely exposed to the impact of rising tax rates. David points out that contributing to 401(k)s or IRAs is like going into a business partnership with the IRS – every year, they get to vote on what percentage of your profits they get to keep. Remember: a well-planned Roth strategy doesn't just shield you from tomorrow's higher tax rates, it can also serve as a fortress protecting your wealth from outside claims.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Employee Retirement Income Security Act of 1974 (ERISA)

It's almost year-end, but there's still time. Dr. Friday explains how boosting your 401(k) or IRA contribution can lower your taxable income. Transcript G’day, I’m Dr. Friday, president of Dr. Friday’s Tax and Financial Firm. To get more info, go to www.drfriday.com. This is a one-minute moment. And we probably are pushing it close, but for all of you that are employees that have 401(k)s and you’re sitting there thinking, “Wow, my income may just be a little higher. I can afford to put a little bit more.” Maybe you need to think of taking that last paycheck that may be coming up here and giving more of it to your 401(k). It will save more money today—well, I should say it will reduce your income. And then obviously later you’ll have to pay taxes, but you know, it’s a 401(k). That’s what we do. So think about doing that. And of course, it doesn’t hurt if you have IRAs or Roth IRAs. Those are all tax-related decisions. Talk to your financial planner, see what works out best for you. But from a tax standpoint, reducing your income always saves us tax dollars. You can catch the Dr. Friday Call-in Show live every Saturday afternoon from 2 to 3 p.m. right here on 99.7 WTN.

“A 401(k) is a vehicle, but most people are driving it like a Camry when it could be a Lamborghini.” Description: What if your 401(k) isn't the retirement safety net you think it is? In this episode, Jaspreet exposes the hidden traps behind America's favorite retirement plan. Think of high fees, taxes, inflation, and limited options and he'll show you why relying on it alone could leave you broke. Jaspreet breaks down what the 4% rule really means, how much you actually need to retire comfortably, and smarter ways to invest outside your 401(k) so your money can work faster and harder for you. Whether you're just starting out or rethinking your retirement strategy, this conversation will help you understand the system, and play the game to win. What You'll Learn: Why most 401(k)s won't deliver the retirement people expect The hidden cost of “free money” and employer matching What the 4% rule gets wrong in today's economy Smarter ways to invest beyond your 401(k) How to build multiple vehicles toward financial freedom Listen now to learn how to turn your 401(k) from a slow ride into a real wealth engine. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://link.briefs.co/3JJ8LOT 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 a 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 ----------

Paul Nolte, Senior Wealth Advisor & Market Strategist for Murphy & Sylvest, joins Wendy Snyder (in for Bob Sirott) to talk about why it’s important to keep track of your 401(k) and what clients of different ages should be doing to grow it. He also shares updates on unemployment numbers and retail sales.

“I wish I knew earlier that starting saving and investing young turbo-charges your future wealth through compound growth, better retirement planning, and smarter money decisions.”

Silver 401k Rule Change To Create New Source of Demand In 2026 As the gold and silver markets continue to rally, there's another big development that's less than two months away that will open the market up to even more silver demand. To find out more about the changes, click to watch this video with David Morgan now! - To get access to David's fantastic research at “The Morgan Report” go to: https://www.themorganreport.com/membersportal/aff/go/ArcadiaEconomics - Get your free copy of Arcadia's Silver Report here: https://goldandsilverdaily.substack.com/p/arcadia-silver-report-an-overview - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

This week on the Retirement Quick Tips podcast, I'm sharing with you my favorite topics that didn't quite make it to the podcast this year - mostly a collection of articles that I found interesting and wanted to cover on the podcast, but it never made it to the top of the heap. Today, I'm sharing with you the 401k mistake that I see time and time again. Most people don't realize they're making this mistake, but hopefully once it's on your radar, you'll never make this mistake ever again.

How did China's trade surplus hit $1.1 trillion this year? The United States purchased around $450 billion of manufactured goods from China in 2024, but trade has dropped between the two countries so how did China have a record surplus of $1.1 trillion through November 2025? The current tariff on goods imported from China is around 37% according to the Tax Policy Center and imported goods from China have dropped dramatically. China has been able to increase their exports to other countries to more than compensate for the loss of exports to the United States which are down roughly 19%. China has seen an increase of exports to Southeast Asia of 14%, the European Union has increased 8%, and Latin America saw a 7% increase in exports from China. A big increase of 25% in exports to Africa was also very helpful to China's manufacturing surplus. Even though they're turning out more cars, manufacturing products and chemicals than ever before, it has created a very heavy competition in China which is pushing down prices, profits, and income for the Chinese manufacturing companies. There will not be another round of talks between the US and Chins until next year. At the last set of trade talks the US did lower our tariffs and China promised to buy American soy beans and end a plan to tighten the export of rare earths, which are critical and found in many products from jet engines to cars and many other electronics as well. We will continue to follow the developments of these trade talks as there should be more news coming next year!   Finally some data on the labor market! With the government shutdown, a lot of the data for the labor market was delayed. We finally got employment figures for October and November, and they were interesting to say the least! To start, the October numbers looked horrific considering payrolls declined by 105,000 in the month. While this sounds troubling, it's important to remember all of those government workers on severance were still counted as employed until the severance ended. This led to a decline in government payrolls of 162,000 in the month of October. Losses in government payrolls continued in November, but at a much slower rate as they tallied 6,000 in the month. Since reaching a peak in January, government employment has seen a decline of 271,000 jobs. Looking at November, payrolls increased by 64,000, but healthcare continued to carry most of the weight as the sector accounted for more than 70% of the total net increase and added 46,000 jobs. Construction was also strong in the month as the sector added 28,000 jobs, but many other areas saw little change and transportation and warehousing was weak as payrolls declined by 18,000. Another concern in the report was the unemployment rate ticked up to 4.6%, which was above the 4.4% level in September and marked the highest reading since September 2021. Overall, when I look at the labor market it is definitely slowing, but I wouldn't say I'm overly concerned at this point in time. While it is concerning to see declines in the payroll level in three of the last six months, for the most part the private market has done a good job picking up the large declines in the government sector, which I view as healthy. I don't want to say our labor market is booming at this point in time, but I would still classify as relatively healthy.    Inflation report shows great progress, can it be trusted? Headline November CPI came in at 2.7% compared to last November, which was well below the estimate of 3.1% and core CPI, which excludes food and energy, showed an increase of just 2.6%. This was the lowest reading for core CPI since March 2021 when the increase was just 1.6% and it also came in well below the estimate of 3.0%. Some areas in the report remained challenging particularly in food, where we saw uncooked beef roast climb 21.2% and coffee increase by 18.8%. Beef prices have struggled as cattle supply touched its lowest point in 2025 since the early 1950s and coffee prices have been hit by extreme weather in major coffee-producing countries as well as the tariffs levied on Brazil. Shelter inflation was positive in the report as the annual increase was just 3% and it's believed there is more relief coming for the largest weight in the CPI, which generally occupies around 1/3 of the headline number. If the inflation for shelter slows further, it would be very beneficial for the inflation rate as we progress through 2026. The big problem with this report is there are questions about how accurate the data is. Due to the shutdown, there was no data collected for the month of October, and the BLS was only able to collect data for about half the month of November as the shutdown did not end until November 12th. For the time being we are pleased with the results from this CPI report, but I do believe there will now be even more emphasis on the December CPI as that will be the first full month of data following the record-breaking government shutdown.    Want to become a millionaire? Invest in your 401(k)! There are more and more people with $1 million or more in a 401(k) as companies like Fidelity and Vanguard are seeing record numbers of people with accounts of more than $1 million. Fidelity said they hit the highest level ever when it comes to 401k millionaires with about 3.2% of their 401k's or 654,000 accounts now over $1 million. Vanguard also had similar numbers for 401k millionaires. Becoming a 401k millionaire is not a get rich quick scheme, but it's a proven way to build your wealth long-term with proper investment choices. It is estimated that roughly 86% of those with $1 million plus in their 401k are 50 or older. It is also estimated that around 1000 people per day become 401k millionaires in the US. The key to becoming a 401K millionaire is to invest wisely, which means not too aggressive, but also not too conservative. Also, when a portfolio drops, you cannot sell everything and wait for the market to get better, you or an investment professional must verify that you have good quality investments in your portfolio that can handle the financial storms and also it's important to continue adding to your portfolio during these difficult times. It is important not to pull money out from your 401(k) for any reason at all, no matter how bad you think the situation is, it will improve. It is much better to deal with problems when you're young rather than when you're in your 60s because you did not let your 401(k) grow to over a million dollars.   Financial Planning: Taking Advantage of Itemized Deductions Before December 31st With the repeal of the $10,000 SALT deduction limit, many taxpayers may once again benefit from itemizing deductions rather than taking the standard deduction, and there are practical steps that can be taken before year-end to further enhance that benefit. The SALT deduction includes both state income taxes and property taxes, and because individuals are cash-basis taxpayers, deductions are generally taken when expenses are paid rather than when they are due, meaning that paying certain obligations before December 31st can shift future deductions into the current tax year. In California and many other states, property taxes are paid in two installments, with the first due in December and the second due in April.  If the April installment is paid by December 31st, it may be deductible in the current year instead of the following one. Similarly, the final state estimated tax payment is typically due on January 15th, but making that payment in December allows the deduction to be taken in the current year. Another significant itemized deduction is mortgage interest, and while mortgage payments are usually due on the first of the month, making the January 1st payment in December can allow the interest from that payment to be deducted in 2025 rather than 2026. In addition, charitable deduction rules are scheduled to change in 2026 and will be subject to an adjusted gross income (AGI) limitation, which means taxpayers who are charitably inclined may benefit from accelerating planned donations into the current year while the rules are more favorable. Taken together, these strategies tend to be most effective when income is higher in the current year, as accelerating deductions while in higher tax brackets results in greater overall tax savings.   Companies Discussed: Oxford Industries, Inc. (OXM), Exxon Mobil Corporation (XOM), Vail Resorts, Inc. (MTN) & Costco Wholesale Corporation (COST)

On this episode: Vanguard is offering a Target Date Fund with an annuity option. What could go wrong? Turns out, retirees want more stability than the stock market provides. If you DIY your retirement plan, what are the dangers? Like this episode? Hit that Follow button and never miss an episode!

984. Laura answers a listener's question about the pros and cons of contributing to a Roth IRA in addition to a workplace retirement plan.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The latest (and last) episode of the SWAPA Ride Report is up! To be clear, the regularly scheduled programming that is the SWAPA Number podcast will still continue. In fact, we will air our conversation with the SWAPA Training and Standards Committee on Monday, December 22. With all the procedures changes coming next month, this is one you don't want to miss. In today's Ride Report, Communications Committee Chair Matt McCants reviews the relationship between the new Austin domicile and Domicile Right of Return (DRR). AUS is available in CWA, so take a moment to add that to your vacancy bid. He also goes over the optional and mandatory plan changes for your 401(k) in 2026. More education is coming on that front, but take a look at the 401(k) Committee's synopsis to get a feel for whether these plan changes are right for you and your family. This week's Contract Q&A focuses on key legality knowledge. What does a deadhead demote do to your contractually required rest? What could happen if you miss a RAP start? Listen in and find out. We end the show with a sneak preview of the education that sets the stage for the Survey Educate and Poll (SEP) process, including some volunteer opportunities. If you've been looking for a way to get involved, drop us a line at comm@swapa.org and we'll plug you in. You can find this episode of the SWAPA Ride Report on the SWAPA app or your favorite streaming service under The SWAPA Number profile.  Until next time...Fly safe, fly informed.If you have any feedback for us at all, please drop us a line at comm@swapa.org or tap here to send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

After hearing many stories from clients this year about how Creative Planning helped them navigate the loss of their parent or spouse, Charlie and Peter share seven actions that can help create financial peace of mind for you and your loved ones.

Your 401 might look fine at a glance, but the details can quietly reshape your risk and returns. We dig into how to read what you actually own, why two target date funds with the same year can behave very differently, and the real cost of fees that compound against you. From checking equity exposure to comparing expense ratios, we share practical ways to tighten your plan without adding complexity.We walk through diversification that goes beyond the S&P 500, including international and bonds that can cushion shocks and capture leadership shifts. You'll hear why a once-a-year rebalance helps keep risk steady, how to spot duplicate funds that do the same job, and when index options can deliver similar exposure at a fraction of the cost. If you use model portfolios, we explain the difference between fee-based managed options and no-additional-cost models, plus the gotcha that can reset your choices during the next scheduled rebalance.Most importantly, we break down the “two-step tango” for fixing allocations: change both your future contributions and your existing balance so your risk level matches your plan today. That single move prevents drift, aligns your portfolio with your goals, and makes every paycheck work harder. Before you log out, consider a small bump to your contribution rate to harness compounding and employer matches. If this helped clarify your 401, follow the show, share it with a friend who needs a checkup, and leave a quick review so others can find it. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

When it came time to retire, Robyn Yerian didn't feel like she had enough money saved. She didn't want to depend on her children or end up in a nursing home, so she cashed out what she had in her 401(k) and bought a plot of land in East Texas. She built spots for tiny homes and called the area the Bird's Nest. Over time, the Bird's Nest has become home to a community of women who are rethinking retirement. On this episode of “Modern Love,” Yerian and Cheryl Huff, a longtime resident of the Bird's Nest, describe what it feels like to grow older together with the support of other women, and discuss why they can't imagine doing it any other way.This episode is inspired by Lisa Miller's story in The New York Times titled, “11 Women, 9 Dogs, Not Much Drama (and No Guys).”   Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.

This episode features David McKnight sharing the top five reasons why a Roth 401(k) is far superior to a traditional 401(k). Something important to keep in mind: the decision you make today will determine how much of your retirement money your future self actually gets to keep. David touches upon the fact that choosing the wrong 401(k) could cost you hundreds of thousands of dollars in unnecessary taxes in retirement. Tax rate risk is the first big reason why you should consider investing in a Roth 401(k) over a traditional 401(k). David lists a series of key questions people who invest in a traditional 401(k) often fail to ask themselves. The second reason to consider a Roth 401(k) over a traditional 401(k) is Social Security taxation. Most people believe that Social Security is tax-free…but it's not. 50% of your Social Security, plus wages, pensions, and interest, as well as all withdrawals from traditional IRAs and traditional 401(k)s, are what the IRS counts as provisional income. The third reason for choosing a Roth 401(k) and not a traditional 401(k) has to do with something that most retirees never plan for: Income-Related Monthly Adjustment Amount (IRMAA). Remember: "When you control your taxable income, you control your Medicare costs." Required Minimum Distributions (or RMDs) are the fourth reason for opting for a Roth 401(k). The fifth reason for going for a Roth 401(k) instead of a traditional 401(k) has to do with your heirs. When they inherit a traditional 401(k), it becomes a tax bomb. So, why choose a Roth 401(k) over a traditional 401(k)? Because a Roth 401(k) helps you eliminate tax rate risk, avoid Social Security taxation traps, prevent Medicare premium explosions, stay in control of withdrawals, and leave tax-free income to your heirs.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Do you have a 401K through your employer? Clark has a tip to help you stay on top of your retirement account and make sure you're growing your savings.

Is your retirement money sitting stagnant? This episode reveals the powerful strategy of 401K to real estate investing to maximize your earnings. Investment expert Kris Krohn, who has moved millions from 401Ks and IRAs into real estate, shares the top three proven options you have for transferring those funds into high-return real estate assets. Learn how to unlock the potential of your qualified accounts and significantly boost your long-term wealth building with confidence.

Overview In this episode of the Breakfast Leadership Show, Michael Levitt welcomes Henry Yoshida, founder and CEO of Rocket Dollar, for a deep dive into how technology is reshaping investment accessibility. Together, they explore how average Americans can take control of their financial futures through self-directed IRAs and alternative asset investing. Empowering Diversified Investment Access Henry Yoshida opened the conversation by outlining the sharp decline in publicly traded companies—from roughly 16,000 to around 4,000 over the last century. He explained that a small group of leading firms in the S&P 500 now drive the majority of market returns. This imbalance inspired him to create Rocket Dollar, a platform designed to help investors diversify into non-correlated assets such as real estate. Interestingly, the company's name came from his six-year-old daughter, representing the idea that investors can “go further” with their money. Enhancing Investment Accessibility Through Technology Michael and Henry discussed the evolution of financial markets and the crucial role technology plays in improving access to alternative investments. While the stock market has historically trended upward, Henry emphasized that returns depend heavily on timing. He shared how Rocket Dollar uses technology to simplify complex investment processes, giving everyday investors access to opportunities once reserved for institutions. Real Estate Investment Opportunities Michael turned the discussion toward real estate, describing it as one of the most tangible and stable investment opportunities. He noted how modern platforms like Rocket Dollar make it easier to participate without the traditional headaches of property management. Henry agreed, highlighting that real estate investing can provide not only financial returns but also personal satisfaction and control. Self-Directed IRA Real Estate Investing Henry explained the advantages of self-directed IRAs in allowing investors to use retirement funds for local real estate ventures. Unlike the abstract nature of public markets, this approach connects investors directly with their communities and properties. He pointed out that the ability to personally inspect and enhance properties provides a deeper level of engagement and understanding. Investments and Community Belonging Michael and Henry explored how investments can build stronger local economies. They discussed Austin's growth as an example of how local investments can benefit both residents and investors. Michael emphasized that meaningful investments don't just generate profit—they foster a sense of belonging and collective progress. Local Investment Strategies for Retirement Henry described Rocket Dollar as a bridge between traditional retirement savings and local investment opportunities. By investing in local startups or real estate, individuals can strengthen their communities while diversifying their portfolios. Michael underscored the mutual benefit of this model, which supports small businesses and generates sustainable growth within neighborhoods. Private Investment Opportunities and Trends Wrapping up the conversation, Henry and Michael discussed the growing shift from public to private investments. Henry highlighted the potential for investors to tap into emerging opportunities in private companies such as OpenAI and SpaceX, leveraging their existing retirement funds through Rocket Dollar's platform. Michael encouraged listeners to explore diversification, think locally, and take advantage of new investment pathways that align personal wealth-building with community impact. Connect with Henry Yoshida: Visit RocketDollar.com to learn more about self-directed IRAs and alternative investments. Listen to more episodes and insights at: BreakfastLeadership.com/blog   Henry Yoshida, CFP® CEO & Co-Founder, Rocket Dollar | SVP, Retired.com Henry Yoshida is a financial innovator who's reshaping how Americans invest for their future. As the CEO and Co-Founder of Rocket Dollar, Henry empowers everyday investors to take control of their retirement savings through self-directed IRAs and Solo 401(k)s that unlock access to real estate, startups, and alternative assets traditionally reserved for the wealthy. Before launching Rocket Dollar, Henry founded Honest Dollar, a robo-advisor retirement platform backed by venture capital and later acquired by Goldman Sachs, and MY Group LLC, which was acquired by Captrust. His decade at Merrill Lynch built the foundation for his mission to democratize wealth-building through smarter, tax-advantaged investing. A Certified Financial Planner with an MBA from Cornell University and a degree from The University of Texas at Austin, Henry blends Wall Street expertise with a visionary approach to fintech innovation. His work has been featured across leading media platforms for its impact on the future of retirement investing. When he's not helping investors rethink what's possible with their money, Henry enjoys life in Austin with his two daughters. Signature Topics: – Tax-Advantaged Wealth Building – The Future of Retirement Investing – Real Assets in Retirement Portfolios – Democratizing Alternative Investments Learn more: rocketdollar.com/podcast | LinkedIn: Henry Yoshida  

Max retirement contributions just got bigger in 2026 — $24,500 elective limit plus expanded catch-up contributions for federal TSP and 401(k) plans.2026 contribution limits for TSP and 401(k)/403(b) increase — here's how to make the most of your elective deferrals and catch-up contributions.

Are you ready for the ticking tax time bomb in retirement? Dive into the essentials of Required Minimum Distributions (RMDs) and learn how recent rule changes impact your retirement income. Discover strategies to minimize taxes and avoid costly penalties. Whether you’re planning ahead or facing RMDs now, this episode delivers actionable insights to help you navigate your financial future with confidence. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In this REI Only episode of The FasterFreedom Show, Sam dives into why cashing out your 401(k) to invest in real estate can be a smarter wealth-building strategy than simply leaving it in your retirement account. Using real statistics, he compares what the average 401(k) looks like at retirement age versus what that same money could generate when put into income-producing real estate. Sam also breaks down the long-term drawbacks of keeping your money in a 401(k) and explains how leveraging real estate can create more control, cash flow, and wealth over time.Whether you're just starting your investment journey or looking to maximize your retirement strategy, this episode gives you the insights to make more informed, strategic financial decisions.FasterFreedom Capital Connection: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://fasterfreedomcapital.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Free Rental Investment Training: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://freerentalwebinar.com⁠⁠⁠⁠⁠⁠⁠⁠

A recent survey from American Century Investments reveals some surprising disconnects between retirement plan sponsors and the workers participating in their 401(k) plans. The findings uncovered some sizable gaps in how each group views participant preparedness, risk tolerance, and even the basic functionality of common retirement products.To break down the results of the 12th Annual National Retirement Survey and shed light on what's behind these disconnects, we welcome Glenn Dial, Senior Retirement Strategist at American Century Investments, who unpacks the data, challenges assumptions, and discusses what plan sponsors may be overlooking when it comes to participant needs and expectations.Listen in as we explore employer-employee risk perceptions, barriers to retirement income adoption, misconceptions about TDFs, and what the survey says about income replacement, defaults, and protecting assets from market volatility.Source: 12th Annual American Century Retirement SurveyMethodology: The participant survey was conducted between June 3, 2025, and June 23, 2025.  The survey included 1,500 full-time workers between the ages of 25 and 70 saving through their employer's retirement plan. The data were weighted to reflect key demographics (gender, income, and education) among all American private sector participants between 25 and 70.The sponsor survey was conducted between May 20, 2025, and June 16, 2025. Survey included 500 plan sponsor representatives holding a job title of Director or higher and having considerable influence when it comes to making decisions about their company's retirement plan (either 401(k), 403(b), or 457 plans). The data were weighted to reflect the makeup of the total defined contribution population by plan asset size.Percentages in the tables and charts may not total 100 due to rounding and/or missing categories.Greenwald Research of Washington, D.C., completed data collection and analysis.This material has been prepared for educational purposes only. It is not intended to provide, and should not be relied upon for, investment, accounting, legal or tax advice.Investment return and principal value of security investments will fluctuate. The value at the time of redemption may be more or less than the original cost. Past performance is no guarantee of future results.

Former USAID Comptroller Michael Dillard opens up about experiencing unemployment twice.  Once, choosing to tap into his TSP; the next time, choosing not to—and the lessons that shaped both decisions. Michael brings deep insight into financial wellness, helping listeners understand if using retirement funds to pursue a dream makes sense. His story offers both practical guidance and inspiring clarity for anyone considering betting on themselves.   Have you ever thought of using your 401K or TSP funds in a new venture?  Join us for this incredible interview with Sharoya Ham and Michael Dillard   Work with Sharoya here: www.embracebehaviorchange.com/   Find out more about the BIG PURPLE BLOB at www.thebigpurpleblob.com/

This conversation, on today's show, explores the evolving concept of retirement, emphasizing the importance of planning beyond just financial aspects. Host Nathan Fort discusses the significance of relationships, the need for clarity and control in financial planning, and strategies to manage longevity risk and emotional investing. Nathan encourages listeners to rethink retirement as a fulfilling phase of life rather than just a cessation of work, highlighting the necessity of a comprehensive retirement plan that includes income strategies and personal goals. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Americans will be allowed to contribute more of their money to 401(k) and similar retirement savings plans next year. The Internal Revenue Service (IRS) said the maximum contribution that an individual can make in 2026 to a 401(k), 403(b), and most 457 plans will be $24,500. That's up from $23,500 this year. People aged 50 and over, who have the option to make additional "catch-up" contributions to 401(k) and similar plans, will be able to contribute up to $8,000 next year, up from $7,500 this year. That means a 401(k) saver who is 50 or older will be able to contribute a maximum of $32,500 to their retirement plan annually, starting in 2026. Workers between the ages of 60 and 63 will be allowed catch-up retirement plan contributions of up to $11,250 annually, unchanged from this year. The IRS also raised the 2026 annual contribution limits on individual retirement arrangements, or IRAs, to $7,500, up from $7,000 this year. The IRA "catch-up" contribution limit will include an annual cost-of-living adjustment of $100, increasing it to $1,100 in 2026. The changes, among others, announced by the IRS, make it easier for retirement savers who use these types of tax-advantaged plans to set aside more of their income toward building their nest egg. That's especially helpful for older workers who got started saving for retirement later in life and can benefit from higher contribution limits. Boosting the contribution rate on a 401(k) or IRA plan, even by 1%, can make a big difference over 10 or 20 years, assuming the saver remains employed and makes contributions the entire time. The IRS also increased for 2026 the income ranges for determining whether someone is eligible to make deductible contributions to traditional IRAs, Roth IRAs, or to claim the "saver's credit," also known as the retirement savings contributions credit. Taxpayers can deduct contributions to a traditional IRA if they meet certain conditions. If, during the year, either the taxpayer or the taxpayer's spouse was covered by a retirement plan at work, the deduction may be reduced, or phased out, until it is eliminated, depending on filing status and income, the IRS said. This article was provided by The Associated Press.

Trying to decrease your monthly disposable income to the IRS? Will your retirement fund help you out? Here's that answer! Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief  Mentioned Video Link:-Offer in Compromise Playlist:    • TOP ALL-TIME OFFER IN COMPROMISE VIDEOS 

Markets feel jittery, interest rates are in flux, and many listeners are wondering how to plan for 2026 with confidence. In this Ask Farnoosh episode, Farnoosh Torabi breaks down the biggest financial headlines of the week and tackles real listener questions about investing, saving, and navigating major life decisions during uncertain economic times.Farnoosh starts with a clear, no-nonsense explanation of the Federal Reserve's latest rate cut and what the split decision inside the Fed signals about inflation, the labor market, and the likelihood of future cuts. She explains why mortgage rates may not move much in the near term, what the Fed's return to buying Treasury securities really means, and why now is not the time to make big financial moves based solely on headlines.Next, Farnoosh walks through important 401(k) changes coming in 2026, including higher contribution limits, expanded catch-up contributions for older workers, and increased employer contribution caps. She outlines who benefits most from these changes and shares practical steps listeners can take now to maximize retirement savings and avoid leaving money on the table.In the mailbag, Farnoosh answers listener questions on:Whether gold makes sense as a “safe haven” investment, how to buy it, and how much is too muchWhen high-yield online savings accounts are a smart place to park money, especially after receiving an inheritanceWhat to do with an old employer's 401(k) and when rolling it over is the better moveAnd one of the toughest questions many first-time buyers face today: whether it's ever worth tapping a 401(k) to buy a home Hosted on Acast. See acast.com/privacy for more information.

The IRS has officially announced the 2026 retirement contribution limits with the 401(k) cap rising to $24,500, but the big news is the "Super Catch-Up" provision from the Secure 2.0 Act.Today's Stocks & Topics: Nomura Energy Transition ETF (PWER), Market Wrap, “The "Super Catch-Up": New 2026 401(k) Limits”, Warner Bros. Discovery, Inc. (WBD), Vera Therapeutics, Inc. (VERA), How to Short a Stock, Vanguard Mid-Cap Index Fund ETF Shares (VO), Vanguard Small-Cap Value Index Fund ETF Shares (VBR), The Domestic Oil Industry, Svenska Handelsbanken AB (publ) (SVNLY), GE Vernova Inc. (GEV), Investing vs. Gambling..Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit 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 SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

In this episode of Main Street Matters, Elaine Parker sits down with financial expert and author Erik Weir to break down the growing challenges facing American workers as they try to save for retirement. From inflation eroding purchasing power to the widening gap between high earners and middle- and lower-income households, they unpack the economic forces making financial security harder to achieve. Erik explains the most common 401k mistakes, how Federal Reserve policies are shaping retirement outcomes, and what workers can do now to strengthen their long-term financial position. He also outlines retirement plan options for small businesses, offers his economic outlook heading into 2026, and shares actionable insights from his new book, Who’s Eating Your Pie? Whether you're a business owner, a saver, or someone feeling the pressure of today’s economy, this episode delivers practical strategies to help you protect—and grow—your financial future. Purchase Erik's Book HERE | https://www.amazon.com/Whos-Eating-Your-Pie-Essential/dp/1637630557See omnystudio.com/listener for privacy information.

Segment 1: Craig Bolanos, Co-Founder and wealth advisor at VestGen Wealth Partners, joins John to talk about the possibility of the Dow reaching 50K, his concern over the labor market in 2026, why people should be excited about their 401(k) prospects in 2026, how many rate cuts does he see in the next year, why he’s watching AI […]

In this important discussion, we focus on "long term care awareness", especially relevant during Long-Term Care Awareness Month. We examine the critical aspects of "long term care" and effective "financial planning" strategies that align with a minimalist approach to "personal finance". Learn practical insights on "how to save money", drawing from a thoughtful, careful spending philosophy.PS. Asset-based long-term care combines care coverage with savings or life insurance, so you don't risk wasting premiums if you never need care.Do You Have Questions? Scheduele a FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeOr text your Name, Last Name, & Email to (949) 359-5100 so our team can help you schedule a FREE 15-minute callNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Reddit's wedding planning surge explains why the stock has 5X'd.1k millionaires are minted everyday from 401ks… Here's our 3-step financial advice.America's farmers got a $12B Soybean Bailout… while China's trade surplus is at ATH.Plus, pickle demand just hit an #AllTimeHigh… (it's a big dill).$RDDT $MCD $SPYBuy tickets to The IPO Tour (our In-Person Offering) TODAYAustin, TX (2/25): https://tickets.austintheatre.org/13274/13275 Arlington, VA (3/11): https://www.arlingtondrafthouse.com/shows/341317 New York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): https://www.squadup.com/events/the-best-one-yet-liveGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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In this episode of the Money Meets Medicine podcast, host Dr. Jimmy Turner talks with Paul Sipple, a forensic retirement consultant known as the '401k vigilante.' The discussion focuses on the hidden, layered, and unnecessary fees often found in 401k and 403b plans that cost participants thousands over time. They explore the technical aspects of these fees, the Form 5500, and how small and large practices differ in fee structures. Sipple provides insights into negotiating fees, the roles of various service providers in administering retirement plans, and the importance of employers paying administrative costs to maximize tax benefits.Learn more about Paul Sippil here --> https://www.paulsippil.comGet a personal finance lessons sent to your email inbox once each week! Join the weekly MMM update: https://moneymeetsmedicine.com/updateEvery doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disability Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Visit https://moneymeetsmedicine.com/freebook  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Anderson CPA Barley Bowler and attorney Eliot Thomas, Esq., tackle year-end tax planning strategies and answer listener questions on a variety of critical topics. They explain the new rules for research and development cost deductions following recent legislation, including the choice between immediate 100% deduction or five-year amortization for domestic R&D. Barley and Eliot cover the 72T procedure for penalty-free early IRA withdrawals, the strategic benefits of qualified opportunity zone investments for deferring capital gains, and how to use IRA funds without penalty for first-time home purchases. They discuss the complex rules for deducting expenses on mixed-use vacation homes, calculating tax-free administrative office reimbursements, and essential year-end action items including payroll, bonus depreciation, solo 401K contributions, and charitable giving strategies. Tune in for expert advice on maximizing deductions before December 31st! Submit your tax question to taxtuesday@andersonadvisors.com Highlights/Topics: "What are research and development costs? How are they deducted?" - Domestic R&D costs can now be 100% deducted immediately. "What expenses that I incur on behalf of my employer can I deduct on my personal 1040 tax return?" - Very limited options exist; reimbursement from employer is best approach. "Can you please explain what a 72T procedure is?" - Take equal IRA distributions before 59.5 without 10% penalty. "I am considering investing in an opportunity zone fund to defer capital gains. What are some top items I should be thinking about?" - Consider fund structure, compliance requirements, and ten-year holding period benefits. [33:35] Title Question "How can I be exempt from paying the IRS the penalty of using my retirement money to buy a condo?" - First-time homebuyers can withdraw $10,000 from IRA penalty-free. "Are expenses such as real estate property taxes and home improvements deductible on vacation homes that are used both for personal and rental purposes?" - Personal use over 14 days limits deductions to rental income. "I'm attempting to calculate the reimbursements for our administrative office. How do I calculate, how much can I reimburse myself for tax-free every year?" - Calculate square footage percentage times home expenses for reimbursement amount. Resources: Schedule Your Free Consultation https://andersonadvisors.com/strategy-session/?utm_source=can-you-use-retirement-money-for-a-condo-without-the-penalty&utm_medium=podcast Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=can-you-use-retirement-money-for-a-condo-without-the-penalty&utm_medium=podcast Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons  

On this episode of Chit Chat Stocks, we talk with Abdul Al-Asaad, founder of Basic Capital. You may have seen this company and its viral introductory video on its debt-driven 401k product, which sparked heated debates across the financial world. So, we wanted to sit down and interview Abdul about what Basic Capital is actually doing. We discuss:(00:00) Introduction(06:27) Innovative Financing in the 401k Space(13:20) Understanding Debt Structures and Risk Management(20:19) Investment Strategies and Asset Allocation(30:41) Customizing Investment Strategies(31:28) Identifying the Ideal Customer(33:45) Understanding the 401k Landscape(37:04) Building a Product for Workers(38:47) Exploring Risk and Leverage(45:15) Basic Capital's Business Model(52:15) The Ideal Investment Portfolio*****************************************************Sign up for our stock research service, Emerging Moats: emergingmoats.com *********************************************************************Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today: https://www.interactivebrokers.com/ Interactive Brokers is a member of SIPC. *********************************************************************Fiscal.ai is building the future of financial data.With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price. Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat *********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.

Review your 401k - Join Certified Financial Planners Greg Cooley and Bubba Labas on another episode of Advisors' RoundTable!

In this episode, we delve into why many investors over 55 regret heavily contributing to deferred 401(k)s and other retirement plans, primarily due to future high tax brackets. We discuss alternative investment strategies like real estate, which offer immediate tax benefits, and caution against the long-term tax implications of deferred retirement plans. Tune in for insights on whether to keep money in qualified retirement plans or invest it elsewhere, and learn about our upcoming Hawaii retreat for deeper financial discussions.00:00 Introduction: The Pitfalls of Deferred Retirement Plans00:42 Upcoming Hawaii Workshop Details01:53 Podcast Introduction: Rethinking 401Ks and IRAs02:01 Key Points on Retirement Plans and Taxes03:38 The Importance of Tax Benefits Today05:34 Conclusion and Final Thoughts06:29 Join Our Annual Hawaii Retreat Hosted on Acast. See acast.com/privacy for more information.

(December 09,2025) Artificial intelligence and its growing demand for data centers are putting new users on California’s electric grid. 401k’s are minting a generation of ‘moderate millionaires.’ American consumers are losing patience with high car prices. Children seeking candy are finding their parents’ weed infused edibles.See omnystudio.com/listener for privacy information.

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management, joins The Steve Gruber Show for a no-nonsense discussion on taking control of your finances, NO LAZY MONEY allowed. Nick breaks down what to expect from this week's Federal Reserve meeting, and weighs in on the Wall Street Journal article suggesting people take Social Security at 62 and invest it. The conversation also gets personal and practical: Nick shares a humorous story about why his kid will never be allowed to order DoorDash again, and calls out the rise of TikTok “money influencers” misleading millions about 401(k)s and retirement planning. Visit peakwm.com/gruber for a free Social Security analysis!

Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further! Unlock the secrets to smarter financial planning in this week's episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind: IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and practical steps to challenge higher premiums if your income has changed. Philanthropy—More Than Just Generosity: Discover why charitable giving is a powerful tool for tax savings, strengthening family bonds, and building a lasting legacy. Get actionable strategies to weave philanthropy into your financial plan and avoid common mistakes advisors make. 401(k) Rollovers Without Regrets: Considering a job change or retirement? Joel reveals the three most common (and costly) rollover mistakes—from missing deadlines to losing out on tax breaks—and how you can avoid them. Packed with easy-to-follow tips, eye-opening stats, and essential action steps, this episode is a must-listen for anyone planning for retirement, thinking about their legacy, or wanting to make smarter money decisions for themselves and their family. 

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Ben & Woods open the 9am hour with The Reindl Report and a couple of Paulie's top headlines of the day, including the most mispronounced words of 2025. Then the guys briefly discuss this morning's World Cup Draw before we wrap up the show and look ahead to this weekend's big College Football matchups as we head into the weekend! Listen here!

Can your 401(k) help you stop renting and buy a home sooner?This episode unpacks a controversial—but often misunderstood—strategy for first-time homebuyers: using your 401(k) to fund your down payment. David Sidoni breaks down how this can be done safely, why it may actually support your retirement, and how smart planning can help you enter the market sooner without sacrificing your future.“When done right, this move strengthens both your now and your future.”Highlights:Why using your 401(k) isn't necessarily “robbing your future”How 401(k) loans work—and why lenders often don't count them against youThe rent replacement strategy and how it supports long-term wealthWhy entering the market sooner could be smarter than waitingReferenced Episodes400 - Introduction: How to Buy a Home Starter Series (START HERE)388 - The Playbook VOL. 1 - The Rent Replacement Strategy355 - Real Answers Pt 4: Should I Rent or Buy in 2025?198 - PMI Is a Privilege216 - PMI Is Still A Privilege And Still Not The Devil401K Interviews369 - INTERVIEW: From Fear to First Home: How Regina Bought Solo in Her 40s273 - Buying a Home in 11 Days! Single Mom Becomes Atlanta Homeowner (Interview)163 - Let's Hear From Another REAL Home Buyer: Amber's Story161 - Achieving The American Dream: An Interview With Sally135 - Interview With First Timers In One Of The Most Expensive Areas - Buying Without 20% Down Payment113 - Interview With A Single, Female First-Time Home Buyer In 2022Connect 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 "Ask David" AND 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!