Podcasts about 401k

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  

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

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.

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 

On this episode: Why is retirement so complicated? In down years in the stock market, does that mean you should cut back on your lifestyle? Without some planning and discussion, your 401(k) could be a tax trap. Like this episode? Hit that Follow button and never miss an episode!

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 […]

Ary Rosenbaum talks about the compliance perils of terminating a 401(k) plan.

Kelley discusses various financial strategies for retirement planning, emphasizing the importance of making end-of-year financial moves, creating sustainable income plans, and addressing the needs of late starters. The discussion also includes listener questions, providing insights into real estate investing, managing high-interest debt, and the significance of diversification in a financial portfolio. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

Marty discusses the essential aspects of retirement planning, emphasizing the importance of starting early, saving adequately, and avoiding common financial missteps. He highlights the need for a comprehensive plan that accounts for various income sources, inflation, healthcare costs, and unexpected expenses. The discussion also covers investment strategies tailored to different life stages, the significance of long-term care planning, and the role of annuities in securing a stable income. Ultimately, the conversation underscores the necessity of having a flexible and adaptable retirement plan to navigate life's uncertainties. Reach Marty at 888-519-9096 Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

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.

Greg Belfrage interviews Iowa Senator Joni Ernst. They talk about what she's doing to cut costs including stopping SNAP benefits from being used in fast food restaurants, stopping fraud in the small business administration, stopping the fraud from the covid era paycheck protection aid, electric mail carrier vehicles, and more.. In The Last Word Greg goes over Trump's speech in PA which included affordability, the democrats, drilling, the stock market, 401Ks, gas prices, and more.See omnystudio.com/listener for privacy information.

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!

Is your retirement plan as exciting as a $2,000 coffee maker—or is “boring” actually better? This episode explores why steady, risk-managed strategies can be the smartest move for your 401(k) and future. Art McPherson breaks down the difference between wants and needs, the realities of taxes in retirement, and how emotional decisions can impact your financial health. Discover how market cycles, Roth conversions, and customized planning help you avoid costly pitfalls and build lasting security, even if “boring” doesn’t sound glamorous. For more information visit www.artofmoney.com! Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

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

What if your biggest retirement asset is also your biggest tax trap? Ryan Herbert dives into the realities of 401(k) withdrawals, required minimum distributions (RMDs), and how shifting tax laws could quietly erode your nest egg. This episode unpacks why following “Uncle Sam’s plan” may cost you far more than you expect and how proactive tax planning can save hundreds of thousands over your lifetime. Learn the pitfalls of relying on default strategies, the impact of future tax rates, and actionable steps to protect your legacy. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

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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In this episode of Retire Fit Radio, Nathan Fort discusses the importance of retirement savings and common missteps that can hinder financial security. He emphasizes the need for early planning, understanding cash flow, and the impact of unexpected windfalls on retirement strategies. The conversation also covers the significance of having a clear financial plan to navigate market volatility and the role of annuities in retirement income. Listeners are encouraged to seek professional guidance to enhance their financial clarity and confidence. 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.

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!

Brought to you by⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠OurFamilyWizard⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Join more than 1 million parents & family law professionals who trust⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠OurFamilyWizard⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.***Financial advisor, Phil Telpner talks about what *not* to do with your ex's 401k after divorce.Connect with Phil Telpner:https://breakoutprivatewealth.com*This podcast is not financial or investment advice***Follow WTF Divorce

Vivek came to Miami University and his clips are limited on his YouTube channel.  I wonder if anyone is really challenging him or are they toeing the party line.  I also discuss the Child 401K rollouts for kids, school board hypocrisy, embarrassment and illegality; and a warning from HHS about jabbing kids behind parents backs at school or anywhere. Substacks: https://skygirlxpress.substack.com/p/q-school-and-the-cult-that-never https://theamericanclassroom.substack.com/p/talawanda-school-board-members-adopted https://theamericanclassroom.substack.com/p/florida-teacher-used-student-images   Book Websites: https://www.moneytreepublishing.com/shop PROMO CODE: “AEFM” for 10% OFF, or https://armreg.co.uk PROMO CODE: "americaneducationfm" for 15% off all books and products. (I receive no kickbacks).  https://www.thriftbooks.com/ Q posts book: https://drive.proton.me/urls/JJ78RV1QP8#yCO0wENuJQPH

From why you shouldn't fear all-time market highs to the reason we diversify, Charlie and Peter discuss seven important lessons from 2025. Plus, a good reminder that time is worth more than money.

Ash welcomes Paul Sippil, a forensic 401k consultant, to discuss the complexities and hidden issues often found in group retirement plans, particularly 401k and profit sharing plans within dental practices and other small businesses. Paul shares how his unique role focuses on exposing conflicts of interest, unnecessary fees, lack of transparency, and even fraud within these plans. He describes how business owners and plan participants frequently misunderstand how fees are assessed, often assuming they pay nothing out-of-pocket—when in reality, high costs may be embedded, sometimes even continuing long after the original adviser has left or, in some cases, passed away.Paul explains the mechanics of broker commissions, how these fees are often hidden from both employers and employees, and the importance of transparency in fee structure. He provides practical advice for dental practice owners and other professionals on how to minimize costs by paying fees directly at the employer level, allowing for tax deductibility and better cost control. Paul also covers the value of one-on-one meetings with advisers for plan participants, and offers recommendations on how owners can better manage their retirement plans to avoid unnecessary expenses and potential abuses.To learn more or connect with Paul, visit: https://www.paulsippil.com/Key Topics Discussed: What a forensic 401 (k) consultant doesCommon misunderstandings and hidden fees in group retirement plansBroker commissions and lack of fee transparencyReal-world examples of fee abuses and potential fraudWhy dental and other professional practice owners should pay retirement plan fees directlyImportance of transparent, fixed-fee arrangements with advisersThe value and scarcity of one-on-one meetings between advisers and participantsSimple steps to reduce retirement plan costs and improve oversight

In this episode of the CD Financial Podcast, Chuck D and Marcus C delve into the implications of the new Secure Act 2.0, particularly focusing on catch-up contributions to retirement accounts. They discuss the differences between Roth and traditional contributions, the tax implications of forced Roth contributions, and the concerns that high earners may have regarding their tax bills. The conversation also touches on the challenges of payroll setup for federal employees and the perceived unfairness of the new rules. Additionally, they provide insights into how these changes may affect cash flow and retirement planning, concluding with a health tip emphasizing the importance of resistance training for longevity.TakeawaysCatch-up contributions can be made to Roth or traditional accounts depending on income levels.The Secure Act 2.0 mandates Roth contributions for high earners.Tax implications of Roth contributions can affect take-home pay.Forced Roth contributions may disrupt financial planning for some individuals.Payroll systems may struggle with the implementation of new rules.Many employees feel penalized by the new tax rules.Federal employees need to consider how these changes affect Medicare premiums.Regional variations exist in contribution rules for federal employees.It's crucial to review retirement plans regularly to avoid mistakes.Resistance training is essential for maintaining health as we age.

At Summit, we believe salon professionals should be able to retire on their own terms. In this last episode in our Financials 101 series with CPA Chris Wittich from Boyum Associates, Chris explains why you should be saving for retirement now, even if you're working your very first job. Chris and Blake discuss retirment investment accounts for individuals like IRAs, Roth IRAs, and 401Ks. Also, did you know you can create an online account with the Social Security Administration and see how much you've been contributing in your working life so far? (We didn't!)From the salon owner perspective, we have advice on providing retirement plans for employees, and how to encourage your staff members to contribute. Find Chris Wittich and his team of salon accounting pros at salon.cpa.  Follow Summit Salon Business Center on Instagram @SummitSalon, and on TikTok at SummitSalon. SUMM IT UP is now on YouTube! Watch extended cuts of our interviews at www.youtube.com/@summitunlockedFind host Blake Reed Evans on Instagram @BlakeReedEvans and on TikTok at blakereedevans. His DM's are always open! You can email Blake at bevans@summitsalon.com. Visit us at SummitSalon.com to connect with others in the industry.

Are you paying yourself what you're worth, or is your practice managing you?In this episode of The Millionaire Dentist™, host Jarrod Bridgeman sits down with CPAs Kevin Rhoton and Brodie Hough from Four Quadrants Advisory to dismantle the "one-size-fits-all" approach to dental practice finances.Too many dentists rely on generic quarterly tax estimates, leading to cash flow crunches and nasty surprises at year-end. Kevin and Brodie explain why proactive tax management is the key to keeping more of what you earn. They dive deep into the strategies that separate struggling practices from profitable ones, including how to properly structure owner compensation and how to leverage 401(k) plans for massive tax savings.Interested in more info on how to: Earn More, Save More, and Retire EarlyUpcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

THX-401K.How does retirement planning work in the Star Wars galaxy? When could anyone retire from being a stormtrooper, or what pension plans were there for factory workers on Corellia? Your friends at Aggressive Negotiations, Matt & John, explore everything from the likelihood of insane stock exchange trading hours to the most likely stock tips on the Coruscant exchange!HostsJohn Mills and Matthew RushingYou've found the best Star Wars podcast with one-of-a-kind discussions in the spirit of fun! While you're here, look around our creator-focused network of podcasts with all the best of Star Trek, a deep-dive read of Harry Potter's magical world, analysis of film's greatest directors, and breaking news from top names in international film festivals, and so much more!Send us your feedback!Twitter: @TheJediMasters   Facebook: https://www.facebook.com/TheNerdParty/ Email: http://www.thenerdparty.com/contactSubscribe in Apple Podcasts

In this episode of Retire With Style, Alex and Wade answer listener questions on key retirement planning topics. They discuss penalty-free withdrawals from 401(k)s, the role of Roth conversions for both younger savers and retirees, and the distinctions between qualified and non-qualified accounts. They also examine how long-term demographic trends may influence market expectations and investment strategies in the decades ahead.   Takeaways The rule of 55 allows penalty-free withdrawals from 401(k) plans if employment is terminated after age 55. Roth conversions should be considered based on current and future tax rates. It's important to fill your standard deduction to minimize tax liabilities. The after-tax safe withdrawal rate differs between account types due to ongoing taxes. Demographic trends are known and factored into market pricing over time. Diversification across asset classes remains a key strategy for long-term investment success. Understanding the implications of RMDs is crucial for tax planning in retirement. Financial planning software can help manage taxes and withdrawals effectively. Chapters 00:00 Introduction and Overview 03:01 Understanding the Rule of 55 10:56 Roth Conversions: Strategies and Timing 21:34 Tax Implications of Withdrawals 25:26 Demographic Trends and Market Predictions   Links Explore the New RetireWithStyle.com! We've launched a brand-new home for the podcast! Visit RetireWithStyle.com to catch up on all our latest episodes, explore topics by category, and send us your questions or ideas for future episodes. If there's something you've been wondering about retirement, we want to hear it! The Retirement Planning Guidebook: 2nd Edition has just been updated for 2025! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/ This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/retirement-income-planning-llm/ to download McLean's free eBook, “Retirement Income Planning”

For high income earners, new rules for 2025 mean you might not be able to put your catch-up money into tax-deferred or traditional TSP or 401k for that matter. This video breaks down what this means for your retirement planning and highlights the importance of understanding these changes. Understanding these new rules is crucial for maximizing your tax benefits and managing your retirement accounts effectively.High-income earners risk losing the traditional tax break on catch-up contributions — and the 2026 Roth-only rule can change your retirement strategy entirely.

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!

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

For many Americans, contributing to an employer-sponsored plan is the primary way they're saving for retirement. Unfortunately, not all of these plans are excellent, and you're stuck with the investment choices and features chosen by your employer.Or are you? Longtime Motley Fool colleagues Robert Brokamp and Buck Hartzell talk about how the Motley Fool's 401(k) was actually not very good in the early days, how they worked with the company to improve the plan, and how you might be able to get your employer to do the same. Also in this episode: How to lower your tax bill with charitable contributions, including why you maybe should give more in 2025 due to a provision in the new tax bill. Two worthy organizations to consider: the Fool Community Foundation (FoolFoundation.org), which creates new wealth-building opportunities for Americans living paycheck to paycheck, and Together We Bake (TogetherWeBake.org), which provides workforce development for women with limited resources facing barriers to employment. Host: Robert BrokampGuest: Buck HartzellEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

If you leave a job, you're probably focused on your next move, not tracking down that old 401(k). But those old 401(k)s are your money. And if you don't find them, manage them, or move them where they can grow smarter and harder for you, you're leaving cash on the table. Today, Nicole walks you through exactly how to track down a lost 401(k) and roll it over into a new retirement account — with all the details, step-by-step, so you don't make expensive mistakes. Rollover your old 401(k) and earn a 1% boost at public.com/moneyrehab If your old employer went out of business, check the National Registry of Unclaimed Retirement Benefits and the Department of Labor's Abandoned Plan Search Past Money Rehab episode on the difference between a Roth IRA and a Traditional IRA This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. As part of the IRA Match Program, Public Investing will fund a 1% match of: (a) all eligible IRA transfers and 401(k) rollovers made to a Public IRA; and (b) all eligible contributions made to a Public IRA up to the account's annual contribution limit. The matched funds must be kept in the account for at least 5 years to avoid an early removal fee. Match rate and other terms of the Match Program are subject to change at any time. See full terms here.