Podcasts about 401k

I'm sticking with answering your questions about the invisible work we do. And today is all about the Sunday Basket®. I didn't yet have a name for it. But I'll never forget the sense of accomplishment from the first time I tried my idea out that became the Sunday Basket®. In 2012, Joey went down for his normal 20 min nap, and I, Lisa Woodruff, actually got a few calls made and checked a few things off my list. The more I did it the more I realized this was something all household managers needed. And now I had a plan to get control of my to do's and paper.  Organization is a learnable skill. Delayed gratification = Productivity The Sunday Basket® is a box on your kitchen counter to “collect all”. On Sunday, you make decisions. One person asked “How do you know what to do first?” Reality check: you are not going to get all your to-do's done. We are all overcommitted. When I go through my Sunday Basket®, it's really a process of elimination; what is the least I can get away with doing.  When you only take care of the things necessary, you free up time for you. And this is why we use note cards! You don't need to do the busy work of rewriting your to-do list, you just decide if each thing on each note card needs to be done by next Sunday or not and you put it right back in it's slash pocket if not.  One person noted they spend all their time going through slash pockets and recreating their to-do list. I remember being worried, “What was I going to do when I completed my Sunday Basket®?” It's important to know what you are freeing up time to do. How would you feel actually completing one of those tasks each week? Then two each week? Then what's that big reward? Will you get more time with your family? Continue your education? Plan what you will do with all that extra time.  Sunday Basket® for now and later A Sunday Basket® can be utilized in many ways. I answered one question about using it for finances. You can have a whole Sunday Basket for finances where you track and plan your 401K, Investments, and projects or large ticket items that you are planning to purchase. I use my household manager one for monthly tasks including bills. I have a separate one for larger financial planning. Another person inquired about all the tips she's saved and if putting them in her Sunday Basket® was a good idea. If it's tips or instructions for something difficult to find each time you need to do it, print it off and place them in your Household Operations Binder. And/Or, you could have a whole Sunday Basket® devoted to projects, book tours, getting your PhD, recipes, and life hacks for “someday.” I recommend pink because that's the color for you, the future, and dreaming. The Sunday Basket® is a great place to store ideas and you will know where to find them later.  Then when you have the time from only doing necessary tasks, you have time for something that doesn't need to be done but that you have been wanting to do. We have the Sunday Basket® for your household manager role. And there is the Friday Workbox for work. They both help in similar manners but the slash pockets have slightly different functions. We offer bundles to help you make the most out of you purchase to maximize your organization and productivity results.  If you really don't know where to start, you won't break customer service's heart to call and they'll shop with you. They love to hear what you are working on and suggest the perfect products for you and the phase of life you are in.  EPISODE RESOURCES: The Sunday Basket® Friday Workbox® Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

Charlie and Peter are joined by noted Wall Street Journal columnist and Creative Planning Director of Education Jonathan Clements to discuss 10 valuable lessons handpicked from his many contributions to the world of personal finance. Plus, learn how you can contribute to Jonathan's charitable Getting Going on Savings Initiative while furthering your own financial education.

You've heard of the Dave Ramsey Baby Steps, now let's discuss the FOO aka the Financial Order of Operations. Full credit to Brian & Bo at www.moneyguy.com for the FOO. Spoiler alert: we prefer the FOO over the Baby Steps, but you can't go wrong with either. If you aren't doing one of them, you're missing the boat!

Brotherhood. Community. Jeremiah uses episode 58 to express his extreme gratitude for teams, friendships, and giving back.

I don't mean to be an alarmist, but if you are an employee for a company, you will be replace in the not to distant future.     A.I. is more cost-effective.    It doesn't complain, need a salary.   Take vacations.    Ask for raises.    Need sick days.   401K and retirement.    The best thing you can do is to become an entrepreneur.   If you don't own or control the tech, it's going to own you.    Get on the front side of this before it is completely here.    You have maybe 5 good years doing whatever it is you're doing and don't think for a moment we won't figure out how to do some amazing things and replace 90% of the jobs in the world these days.    The best advice I can give you is to find something that's not sexy.   Something that's going to be needed.    Start a company around that.   Build the tech.   Be the best at it.    You've got 5 months!    About the ReWire Podcast   The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at ⁠https://www.jointheapex.com/⁠   Rise Above 

Nick Hopwood, Certified Financial Planner and founder of Peak Wealth Management where they manage 400 million for high net worth individuals and small businesses owners. Nick is known as "Mr Roth" because sometimes thats all he wants to talk about... Visit PeakWM.com/Gruber to get a second opinion Markets reaction to middle east conflict Using a 401k to invest in real estate  

Building on last week's discussion about why rolling over your old 401(k) into an IRA could be a smart move, this episode flips the script. It explores seven compelling reasons you might want to leave your 401(k) with your previous employer instead. I break down factors like fees, company stock advantages, penalty-free withdrawals, legal protections, and unique investment options that could all influence your decision.  If you're approaching retirement or just planning your next career move, this episode is packed with insights to help you make the best choices for your financial future.  You will want to hear this episode if you are interested in... [04:12] Leave company stock in 401k to use net unrealized depreciation, potentially saving on taxes via long-term capital gains. [08:55] Consider keeping company stock in an old 401(k) to avoid taxes and penalties if under 59.5 years. [10:01] IRA withdrawal exemptions and strategies. [16:01] Consider keeping your old 401 (k) for potential loan access, but check if your provider permits non-employee loans. [17:50] Deferring 401(k) distributions explained. When to Leave Your Old 401(k) With Your Previous Employer Changing jobs often means making quick decisions about retirement savings. While rolling over your old 401(k) into an IRA is a common choice, there are significant advantages to leaving it where it is. This week, I'm discussing the situations when maintaining your previous employer's retirement plan is advantageous.  1. Potential for Lower Fees If you worked for a large organization, their 401(k) plan might offer exceptionally low administrative and investment fees, especially if they've chosen robust menus with index fund options. While IRA costs have dropped due to strong competition among major financial institutions like Schwab, Fidelity, and Vanguard, some large employer plans still offer a lower cost.  Always compare fees before making a move; sometimes, your old 401(k) will be the most cost-effective option available. 2. Tax Benefits of Company Stock (Net Unrealized Appreciation) Do you have significant company stock in your 401(k)? You could benefit from the unique tax break called Net Unrealized Appreciation (NUA). This allows you to pay lower long-term capital gains rates on your stock's growth instead of higher ordinary income rates. However, to take advantage of NUA, you must carefully roll out your stock and be mindful of any 10% penalty if you're under 59½. Know your stock's cost basis and consult with a tax professional to determine if waiting is best, especially if your cost basis is higher. 3. Penalty-Free Access Between Age 55 and 59½ Left your job between 55 and 59½? Here's a little-known benefit: you can tap your old 401(k) penalty-free before age 59½. If you roll the balance into an IRA, that door closes, unless you qualify for rare exceptions. This rule can be crucial if you need those funds to bridge the gap to retirement, so consider leaving at least part of your balance in the plan until you turn 59½. 4. Enhanced Creditor Protection Federal law (ERISA) offers 401(k) plans strong protection from creditors and judgments, even in bankruptcy. While rollover IRAs are also protected under federal and many state laws, the details can get complicated. Certain states may limit IRA protections, so it's wise to investigate your state's rules. Segmenting rollover IRAs from contributory IRAs can also help simplify tracking and protection. 5. Access to Stable Value Funds Some 401(k) plans offer stable value funds, a low-risk investment choice that often comes with a guaranteed minimum rate of return. While money market funds are currently paying more, that could change if interest rates drop. In lower-rate environments, stable value funds could offer an edge and a safe harbor for your retirement assets. 6. Possible Loan Availability Need to borrow against your retirement savings? Some plans allow you to take a loan from your 401(k), even after leaving the company. However, this isn't universal, since loan repayments are usually tied to payroll. Check with your plan administrator to see if this benefit applies; if it does, it could be an important safety net. 7. Required Minimum Distribution (RMD) Deferral if Still Working If you work past age 73, keeping your funds in a 401(k) with your current employer lets you defer required minimum distributions (RMDs). That's not the case with IRAs. Consolidating old 401(k)s into your current plan can simplify RMD timing and let your funds grow tax-deferred a bit longer. Make an Informed Move Rolling over your 401(k) may seem automatic, but there are times when staying put is the better choice. Carefully assess fees, tax implications, creditor protections, and your unique needs. Most importantly, consider working with a fiduciary, fee-only financial advisor who understands your entire financial picture. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Charles Schwab Fidelity Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Think your taxes will be simpler in retirement? Think again. In this episode, Brandon Bowen breaks down why overlooking tax strategy is one of the most common—and costly—retirement mistakes. From tax-deferred traps to Roth advantages, learn how diversifying your tax buckets can help you keep more of what you’ve earned. Whether you're still working or already retired, this conversation will change how you think about your financial future. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedIn See omnystudio.com/listener for privacy information.

Raj Shah and Rick Borek of SC Wealth Advisors discuss the growing trend of financial influencers – finfluencers – and why people can be easily misled. They explain how many people online may be getting paid to offer one product and have little to no background in doing so and are getting a commission for offering it. Raj and Rick then share how they have access to a multitude of products and strategies and can tailor those to a specific plan, whereas online advice is often very generic and not right for every person. And they stress to check with an advisor first before committing to something from a random person. If you have $500K of investable assets or more, schedule your complimentary portfolio x-ray and the “SC Wealth Second Look” with Raj and Rick, as they help you craft a comprehensive plan for your retirement: click here or call 312-345-5494. Hear “Unleash Your Wealth” every Saturday at 7a and 2p on WIND AM560. Also, hear the weekly “Unleash Your Wealth” podcast on Apple, Spotify, and here: https://scwealthadvisors.com/media/ . And connect with SC Wealth Advisors on social media: Facebook YouTube LinkedInSee omnystudio.com/listener for privacy information.

In this episode, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions unpack the latest insights on how Americans are saving for retirement—and what that means for you. They highlight a record-setting year for 401(k) contributions, compare generational saving trends, and share five powerful ways pre-retirees can boost their retirement readiness. From maximizing employer matches to choosing between Roth and Traditional strategies, Jim and Casey walk listeners through simple, effective ways to take control of their financial future. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Celebration 00:14 Understanding Retirement Savings 00:41 The Comparison Trap 01:30 House Renovations Update 01:53 Record 401k Savings Rates 02:45 Wealth Smart Process 05:47 Generational Savings Insights 09:23 Savings Rates by Age 10:15 Celebrating Gen Z's Financial Achievements 10:31 Five Powerful Ways to Catch Up on Retirement Savings 10:46 Maximizing Contributions and Catch-Up Strategies 11:50 Roth vs. Traditional: Be Intentional 12:15 Don't Leave Match Money on the Table 12:33 Simplify and Stress Test Your Retirement Plan 13:40 Dos and Don'ts of Retirement Planning 16:07 Addressing Listener Questions and Concerns 19:50 Final Thoughts and Encouragement Disclaimer: Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.  

It's a Mesirow Monday! Every week, a specialist from Mesirow Wealth Management joins Jon Hansen to discuss a different financial topic. This week, Gary Pattengale, Advanced Planning Specialist and Wealth Advisor at Mesirow, joins Jon to discuss the differences between an IRA, a Roth IRA, and a Roth 401(k). For more information, visit www.mesirow.com or […]

All too often hard working people with good jobs are struggling to get by.These are the same people who are forced to take stressful promotions at work and spend a couple hours commuting each day. They come home to the house they think they own, but they are really just a slave to the mortgage company.These “good citizens” are victims of an engineered system to keep them investing in 401Ks, mutual funds, and stocks.This financial system is setup where the insiders are stealing the majority of your returns (and you take all the risk).The truth is the wealth who are investing in alternative assets and operating off a different financial framework and not using these traditional options from a financial planner, commission-based broker, or the retail 401k/mutual fund/stock route.Lane Kawaoka has been investing in real estate for over a decade and now controls 7,500+ units (1$ Billion plus in assets). Lane is responsible for finding, analyzing, and marketing real estate investment opportunities.It's likely not the journey you'd expect, and it's also more simple than you'd expect. Welcome to the Journey to Simple Passive Cashflow!Visit theWealthElevator.com/bonus to access your free masterclass — built for busy professionals and business owners. The preceding is not tax, legal, or investment advice, nor an offer to sell securities or investment products. Always make informed decisions with professional guidance. Hosted on Acast. See acast.com/privacy for more information.

The Moneywise Radio Show and Podcast Thursday, June 12th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme

From time-to-time, I try to explain the amount risk the average person has in the stock market through their 401K, IRA or other equity accounts. I often struggle to get them to grasp just how precarious and fragile our system is. Most people think of our economy as a huge pyramid with a tremendous base making it very solid, and the economy is like that. However, half of every transaction in the economy is money (or fiat currency) which distorts the economy and dramatically increases its fragility. It would be more accurate to imagine an upside down pyramid where massive debts and leverage are producing an ever increasing pressure on a very tiny base. Geoffrey Gundlach is an expert at exploiting this system for value and it says a lot that he is not seeing much value anywhere, in any asset class.Geoffrey Gundlach Interview on Economy, Debt, Private Equity, and the Structural Issues in our Economyhttps://www.youtube.com/watch?v=VlwK4fHRPMc

On this episode of The Table with Anthony ONeal, we're back answering your real-life money questions! Members of our E3 family are calling in with honest financial challenges, and we're delivering practical, real-time solutions. These conversations go far beyond the callers, each one is packed with insights and strategies you can apply to your own financial journey. Whether you're facing debt, budgeting struggles, or looking to build wealth, this show offers something for everyone. Don't just listen...get involved! Call in, get your questions answered, and let's grow together on the journey to financial freedom.▶️ Watch the full episode here: https://youtu.be/7fRf2NKm1xk☎️ Ask AO: (771)-224-8131(leave a 60 sec. voice message)Mentioned On Today's Show:**This video is kindly sponsored by Ethos!**

This week, we discuss recent chart updates for Ten Year Treasuries, Mega Cap US Stocks, Emerging Markets, Silver vs. Gold, and Crude Oil.

In this episode, Dr. Preston Cherry breaks down how Gen X professionals can use a smart tax strategy called Net Unrealized Appreciation (NUA) to turn company stock in their 401(k)s into tax-efficient income. He explains how the right moves can help you retire earlier and keep more of your money—and how one wrong step can cost you big.Takeaways:• Company stock matters• NUA lowers taxes• Don't rush to IRA• Act with a plan• Mistakes are costlyWant to learn more? Connect with us below!Stay informed and inspired! Join our FREE wealth & well-being newsletterDo you want confidence & clarity? Check out our award-winning wealth advice servicesGrab Your Copy of Dr. Cherry's book ‘Wealth In The Key of Life'Disclosure: episodes are educational only, not advice. Review our disclosures here: https://www.concurrentfp.com/disclosures/

The trade of the year so far. Bromance ends bitterly, savings are close to target, and loan limits could cause a shortage of doctors. Plus the rise of Buy Now/Pay Later and the 401(k) hierarchy trap.

In this episode of the Friends in Beauty Podcast, we sit down with Karen Mitchell, the powerhouse founder and CEO of True Indian Hair — a premium hair extensions and wigs brand trusted by Rihanna, Tyra Banks, Taraji P. Henson, and top stylists across the industry.Karen shares how losing her fashion job led her to cash out her 401K and start selling hair out of her car — eventually building a thriving 7-figure brand with two storefronts, a booming e-commerce business, and major editorial and runway placements. She also opens up about the mission behind True Strength, her nonprofit initiative that provides wigs and makeovers for women battling cancer.We talked about:How to start a beauty brand with limited resourcesTransitioning from side hustle to full-time CEOThe power of hair in confidence and self-identityWhat it takes to build a legacy beauty brandGiving back and staying grounded in purposeThis is a masterclass in resilience, brand-building, and leading with impact in the beauty industry. Tune in and share with a friend.Enjoy this episode!Leave us a 5 star review and share this episode with a friend or 2 or 3.info@friendsinbeauty.comGET A PEEK INSIDE OF BEAUTYPRO FUNNELS HEREhttps://www.getbeautyprofunnels.com/friendsLIGHTS, CAMERA, CONTENT WORKSHOP | JUNE 21, 2025https://www.eventbrite.com/e/lights-camera-content-the-post-worthy-content-workshop-for-beauty-pros-tickets-1338886618919?aff=oddtdtcreator

Want to keep more of what you earn and build long-term security for yourself and your team? Retirement planning may sound overwhelming — but with the right strategy, it can reduce your taxes, attract better employees, and set you up for the future. In this episode, I talk with Matt Ruttenberg, co-owner and Director of Business Development at Life, Inc. Retirement Services. Matt helps businesses, including bars and restaurants, figure out how to set up retirement plans that actually work for them. In today's episode:Why IRAs aren't always the best choice for bar ownersWhat makes a 401(k) more flexible — and how it can save you moneyThe tax credits that are available right now (they can be big!) How you can set rules around who qualifies — so you're not giving money to short-term staff What to expect when you set one up (it doesn't take as long as you think) Listen now and take the guesswork out of retirement planning for good. Learn more about Life, Inc. Retirement Services Life, Inc. Retirement Services WebsiteLearn More:Schedule a Strategy SessionBar Business Nation Facebook GroupThe Bar Business Podcast WebsiteChris' Book 'How to Make Top-Shelf Profits in the Bar Business'Thank you to our show sponsors, SpotOn and Starfish. SpotOn's modern, cloud-based POS system allows bars to increase team productivity and provides the reporting you need to make smart financial decisions. Starfish works with your bookkeeping software using AI to help you make data-driven decisions and maximize your profits while giving you benchmarking data to understand how you compare to the industry at large. **We are a SpotOn affiliate and earn commissions from the link above. A podcast for bar, pub, tavern, nightclub, and restaurant owners, managers, and hospitality professionals, covering essential topics like bar inventory, marketing strategies, restaurant financials, and hospitality profits to help increase bar profits and overall success in the hospitality industry.

In today's episode, I'm diving into a topic that's top-of-mind for anyone who's switched jobs: what should you do with your old 401(k) plan? I discuss five key reasons why moving them into an IRA could simplify your financial life, from consolidating accounts for better control to gaining access to a broader range of investment options, reducing fees, optimizing Roth and after-tax funds, and making it easier to work with a financial advisor.  Whether you're planning your next career step or just want to make your retirement savings work harder for you, this episode is packed with practical advice to guide your decision. Stick around until the end, and don't forget to tune in next week when I cover situations where rolling over your 401(k) might not be the best choice! You will want to hear this episode if you are interested in... [00:00] Vested retirement funds offer four options: keep them in the plan, or withdraw and pay taxes [04:46] Rolling over a 401(k) to an IRA offers more control and access to your retirement funds, preventing forgotten accounts as you change jobs [06:41] Consolidate investments for simplicity and control; update records if keeping old retirement accounts [12:05] Convert Roth contributions to a Roth IRA to start the five-year period and ensure future gains grow tax-free, especially for after-tax funds in a 401(k) without in-plan Roth conversions [13:13] Rollovers to an IRA can facilitate Roth conversions and allow financial advisors to manage retirement accounts. Consolidate Old 401ks for a Smoother Future When you change jobs, it's important not to leave your old retirement accounts behind. For many Americans, the primary vehicle for saving for retirement is their employer-sponsored 401(k) plan. But what should you do with that 401(k) once you've moved on? Rolling it into an Individual Retirement Account (IRA) may be the smart move, offering control, flexibility, potential cost savings, and tax advantages. Let's walk through five compelling reasons why a 401(k) rollover into an IRA might make sense for you. 1. Greater Control and Account Consolidation One of the biggest headaches of changing jobs multiple times is having various retirement accounts scattered across different institutions. Not only is it difficult to keep track of these accounts, but there's the risk that you might forget about them entirely. By rolling old 401(k)s into a single IRA, you consolidate your investments, making it easier to manage and monitor your retirement savings. With all your funds in one place, you'll have more control over your asset allocation and will be better positioned to implement a cohesive investment strategy. Additionally, consolidating accounts reduces the administrative burden of managing multiple logins and statements. 2. Expanded Investment Choices and Flexibility Most employer-sponsored 401(k) plans offer a fairly limited menu of investment options, typically ranging from a dozen to twenty funds. These may or may not align with your preferred asset allocation strategy, and some plans are more limited than others. By rolling over your 401(k) into an IRA at a major discount broker like Schwab, Fidelity, or Vanguard, you unlock a much broader universe of investment possibilities, mutual funds, exchange-traded funds (ETFs), stocks, bonds, CDs, and more. This flexibility lets you fine-tune your portfolio, properly diversify, and better tailor your investments to your risk profile and retirement timeline. 3. Potential for Lower Investment Costs 401(k) plans, particularly those from smaller employers, often feature higher administrative and fund expenses, sometimes reaching 1% or more in annual fees. These extra costs chip away at your investment returns over time. With an IRA, especially when investing in low-cost ETFs or mutual funds, you can often significantly reduce the expense ratios you pay. Over decades, even a modest reduction in annual fees can translate into thousands more in retirement savings due to the power of compounding. 4. Managing Roth and After-Tax Contributions Many 401(k) plans now offer a designated Roth component as well as avenues for after-tax contributions. When you roll over your account, this is a valuable opportunity to ensure your Roth and after-tax money are treated with optimal tax efficiency. For example, rolling Roth 401(k) funds into a Roth IRA starts the five-year clock for tax-free withdrawals on earnings, which is critical for planning your retirement withdrawals. Additionally, an IRA rollover can be structured to split after-tax contributions into a Roth IRA, giving those funds tax-free growth potential rather than the more limited advantages offered inside the 401(k). 5. Access to Professional Management If you want professional help managing your retirement investments and financial planning, rolling your assets into an IRA is almost always a prerequisite. Advisors generally cannot manage assets held within a former employer's 401(k) platform, but with funds consolidated in an IRA at a major custodian, they can actively manage your investments, make ongoing adjustments, and assist with tax planning and distributions as you transition into retirement. Assess Your Situation Before Moving While rolling over your old 401(k) to an IRA offers considerable advantages, it's not always the perfect solution for everyone. Each situation is unique, and certain protections or features (such as early withdrawal options or creditor protections) may be stronger inside a 401(k) for some individuals. Be sure to review your specific circumstances carefully, ideally, with a trusted financial advisor, before making any big moves. A well-considered rollover could make your road to retirement much smoother, giving you more control, lower costs, and better investment options along the way. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Schwab Fidelity  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Paul Nolte, Senior Wealth Advisor & Market Strategist for Murphy & Sylvest, joins Bob Sirott to talk about the status of the jobs report and the increase in hospitality numbers. He also explains how you should be saving money in your 401(k) and whether or not oil prices impact how we feel about the state […]

Jim and Chris answer questions on defined maturity bond ETFs, Social Security account linking and spousal offsets, 401k annuities vs IRA Annuities, and annuitization definitions.(14:30) Jacob joins the guys to explain how estimated net acquisition yield works for defined maturity bond ETFs, including how to interpret it and evaluate risk when holding through maturity.(38:30) A […] The post Bond ETFs, Social Security, 401k Annuities, and Annuitization: Q&A #2523 appeared first on The Retirement and IRA Show.

Nintendo's Switch 2 release caused chaos worldwide… because of Paul Rudd.Retirement accounts have surged, so we share our top savings rule… Forget your password.The new target of tech disruption? Traffic Lights… Stop signs haven't changed in 100 years.Plus, the Oklahoma City Thunder are in the NBA Finals.... Thanks to an investing strategy.$NTDOY $SCHW $BRK.BWant more business storytelling from us? Check out the latest episode of our new weekly deepdive show: The untold origin story of… Subscribe to The Best Idea Yet: Wondery.fm/TheBestIdeaYetLinks to listen.TBOY Live Show Tickets to Chicago on sale NOW: https://www.axs.com/events/949346/the-best-one-yet-podcast-ticketsAbout Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, TBOY Lite is hosted by Jack Crivici-Kramer & Nick Martell.GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts NEWSLETTER:https://tboypod.com/newsletter SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Anything else: https://tboypod.com/ Our 2nd show… The Best Idea Yet: Wondery.fm/TheBestIdeaYetLinksEpisodes drop weekly.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, discuss a breakdown from the US Dollar, rally highs for Poland, breadth in small caps, and near highs for the Nasdaq-100

Ary Rosenbaum talks about his new book, Full Circle (coming out June 9th) and lessons that can be learned for 401(k) plan providers.

In this episode, Tim and Jeff Kurkjian discuss recent updates in Major League Baseball, and reflect on the significance of retired numbers. But first, what in the world is Tim wearing? They also address safety concerns in the sport and highlight notable moments in baseball history. In this episode, Tim and Jeff Kurkjian celebrate the unique career of Bill Spiers, discuss the ranking of baseball legends, particularly focusing on Frank Robinson and Ken Griffey Jr. They also introduce a fun concept called the 'All Clothing Team' and engage with a listener's passion for one-run games, ultimately welcoming him into the Seamhead community.Thank you for listening and sharing the show with a friend or family member so they can become part of our family as well! Visit GreatGameOrWhat.com to contact the show with your questions, quips and insights. Joy Pop Productions LLC

In this episode of Life of And, Tiffany sits down with working mom Caitlin Bond to talk about one of her favorite time-saving life upgrades: outsourcing your laundry.Caitlin gets real about what it's actually like to hand over the laundry basket — from the mental hurdle of “can I really send my stuff to a stranger?” to the game-changing feeling of having your Sundays back. Spoiler: she's never going back.They break down why this isn't just about clean clothes — it's about creating space for the things that matter. You'll hear tips for finding a local or national service that works for your family, what to try first, and how to create a simple rhythm that makes it all feel easy.If laundry is running your life (or just living in your head rent-free), this episode will give you the push you need to try something different.What You'll Learn:How outsourcing laundry saves time and reduces stress for busy familiesWhy letting go of control can actually feel freeingTips for finding the right local or nationwide laundry service that fits your needsReal-Life Hacks:Use a flat-fee laundry bag — pack it fullTry services that fold or hang for youBuild a system to put it away in 10 minutes or lessThink of it like a “mental 401K” — you're investing in your energy, tooTimestamps:(00:00) Intro(01:06) Why outsourcing laundry changed Caitlin's life(05:00) Overcoming control and trust hurdles(07:25) The benefits of working with a local laundry valet(10:00) Creating rhythms for putting away laundry(14:00) Cost considerations and mental clarity gains(18:40) Balancing work, parenting, and chores(20:45) Recommendations for local and national laundry services(22:10) Final thoughts on investing in yourselfCheck out the apps and sponsor of this episode:Created in partnership with Share Your GeniusGive yourself the gift of time with your kids this summer by outsourcing your laundry! Local to North Indianapolis? Check out Laundry Valet. Use code LIFEOFAND for $10 off your order.  For a nationwide option, check out Poplin. Code TIFFANY15 will get you $15 off your first order. Download the Summer Sanity Toolbox: Start with priorities. Add structure. Make space for joy. Because summer is yours too.Other Episodes in the Summer Sanity Series:How to Support a Killer Summer for Your Teens: https://podcasts.apple.com/us/podcast/how-to-support-a-killer-summer-for-your-teens/id1555762235?i=1000709403154Summer Survival Systems for the Whole Family:https://podcasts.apple.com/us/podcast/summer-survival-systems-for-the-whole-family/id1555762235?i=1000708565509 5 Tools & Apps To Keep You Aligned This Summer: https://podcasts.apple.com/us/podcast/5-tools-apps-to-keep-you-aligned-this-summer/id1555762235?i=1000706783024 A Working Parent's Guide to Navigating Summer: https://podcasts.apple.com/gb/podcast/a-working-parents-guide-to-navigating-summer/id1555762235?i=1000705671662Less Chaos, More Protein: Tiffany's Summer Food Game Plan: https://podcasts.apple.com/gb/podcast/less-chaos-more-protein-tiffanys-summer-food-game-plan/id1555762235?i=1000710405520

On this episode, Charlie and Peter examine how the bill recently passed by the Housecould further impact the national deficit and why addressing spending patterns is crucialfor long-term fiscal health.

This episode dives into the question I get more than any other: How do you grow a 401(k) business? If you're entering the space or trying to get better at it, you've probably heard a lot of noise. Scripts, shortcuts, and promises that sound too good to be true. I'm not here for that. I'm sharing what actually works, where most advisors go wrong, and what you need to have in place before you worry about sales strategy. If you want to build a business that lasts, this episode is for you. Connect with me on LinkedIn if you want to talk more. And if you enjoy the show, a quick review goes a long way.

This week on the Retirement Quick Tips Podcast, I'm talking about savings optimization. How should you prioritize your savings in 2025, saving the right accounts in the right order to get to better financial stability and long-term flexibility.  Today, once you have enough cash on hand for emergencies, big expenses, and if you're close to retirement, that extra cushion for pausing portfolio withdrawals in a downturn, we can move on to longer term goals, like saving for retirement.

In this solo episode, Jim Oliver challenges the traditional notion that financial freedom is the ultimate destination. Instead, he reframes it as the beginning of a more meaningful journey—one rooted in ownership, impact, and legacy. Drawing on personal stories, lessons from Infinite Banking, and thought-provoking metaphors, Jim urges listeners to shift from escape to empowerment and build a life of purpose beyond financial independence. 3 Key Takeaways: 1. Financial Freedom Is Just the Start Most people chase financial independence like it's the goal. It's not. It's just the starting line. Once you're free, that's when the real game—impact, leverage, and legacy—begins. 2. Control the Money, Control the Outcome When you control the money, you control the outcome. Infinite Banking puts you in the driver's seat—no more waiting on approvals, no more lost opportunity cost. You become the bank. 3. Impact Is the Ultimate ROI True wealth isn't just about what you earn or save—it's about what you build that outlives you. After freedom comes impact. The mission shifts from accumulation to contribution. Book Recommendations: Jonathan Livingston Seagull by Richard Bach Illusions: The Adventures of a Reluctant Messiah by Richard Bach (particularly the opening parable about the creatures in the stream) Best Advice Jim Ever Received: “Let go.” Like the creature who released his grip on the rock to discover what the stream had in store, stepping into the unknown is the only way to discover what you're truly capable of.  

Amy King hosts your Tuesday Wake Up Call. ABC News correspondent Jordana Miller joins the show from Jerusalem to discuss Mike Huckabee denying reports that IDF opened fire on Palestinians trying to access aid. ABC News national correspondent Jim Ryan talks about the FBI highlighting rising incidences of elder fraud. Sandy Steers, Friends of Big Bear Valley executive director speaks on Sunny leaving the nest for the first time. Bloomberg's Courtney Donohoe updates us on the latest in business and Wall Street. The show closes with the host of ‘How to Money' Joel Larsgaard talking about millionaires choosing to rent and workers cutting their 401K contributions

Amy talks with the host of ‘How to Money' Joel Larsgaard about millionaires choosing to rent and workers cutting their 401K contributions.

The grocery store seems like an innocent place, but you won't believe what they're trying to sell me now. And, it's time for our first installment of john's financial hour, which lasts about 6 minutes, and might lead to an arrest. Enjoy.New episodes are released every Tuesday. If you want to interact with the show, we have a voice mailbox. Call 818-336-1146 and leave feedback, or just complain, and maybe I'll use it in a future broadcast.https://www.icancomplain.comTEXT THE RAINWATER HOTLINE

Welcome back to the show! In this episode, Steve returns to a very important topic: investors who use their 401(k) and IRAs. As a rule, we understand that most professionals in the workforce today have been contributing to a 401(k) or IRA program for the majority of their working career. This also means that most people who want to invest in real estate believe that the money in these programs is untouchable. Steve is here to talk about that false belief now. Hit that play button!  Please remember that Steve is always available to talk! Send your questions, comments, and concerns to AskSteve@TotalWealthAcademy.com today. 

The Moneywise Radio Show and Podcast Friday, May 30th BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Manageme instagram: MoneywiseWealthManagement Guests: Stephanie & Savannah from "Hey There, Delilah"  website: www.heytheredelilah.org/ facebook instagram  

If you're like a lot of people nearing retirement, your 401(k) or 403(b) is probably the biggest part of your savings. But do you actually know how it's invested—or how much risk in stocks you're taking on without realizing it? In this episode of Friends Talk Money, we're going to look more closely. Ron Surz, a long-time retirement investing expert and president of Target Date Solutions joins us—and he's not afraid to call out where he thinks popular target date funds are falling short. He'll walk us through what he believes is a better way to structure retirement portfolios, especially for people in their 50s, 60s, and those already retired. We'll talk about: What's really under the hood in your retirement plan The real risks inside target date funds—and how they're built What Ron recommends instead, and why What to think about before you roll over your retirement savings The most common mistakes people make late in the game—and how to avoid them. Whether you're in your 50s, 60s, or already retired, this conversation will give you actionable steps to take control of your retirement savings today. Terry Savage: What's in YOUR retirement plan? (Chicago Tribune) Baby Boomer Investing Show Ron Surz, Target Date Solutions (401k Specialist) 4 Things You Can Control in Retirement (Pam Krueger)

In this insightful episode of "Get Your Fill," host Christine McCarron welcomes Lane Kawaoka, a 3-time bestselling author and real estate magnate with over $2.1 billion in rental units. Lane, who started his journey after an early career disillusionment, shares his unique path from accidental landlord to empowering busy professionals to build passive income through strategic real estate investments. He candidly discusses how he leveraged his initial home purchase into a robust portfolio, highlighting the immense power of rental real estate to generate returns through tenant mortgage payments, tax benefits, appreciation, and cash flow – far surpassing the typical 401K.

And someone else cashed it. https://www.lehtoslaw.com

Your 401(k) might be working—but is it working for you? Jake and Cory explore five thoughtful strategies to help you get more out of your 401(k). They cover tax diversification, employer matches, common misconceptions, the risks of borrowing from your 401(k), and more. Whether you're just starting or refining your approach, this episode offers practical insights to help you make more informed, confident decisions. --------------- Subscribe to our newsletter https://bit.ly/43RcVve  Contact us https://bit.ly/43wksOJ  Order ‘Retiring Right' https://bit.ly/4mD2EKw   --------------- Upticks is your podcast for financial planning insights. Hosted by Jake Falcon, CRPC™ and Cory Bittner, CRPC™, who discuss the philosophy of wealth management, exploring tailored retirement plans, tax planning, and timely industry topics. Join us for concise, understandable discussions that help empower your financial literacy. --------------- Connect with Jake Falcon, CRPC™         https://www.facebook.com/jake.falcon.524         https://www.instagram.com/jake_falcon_crpc/?hl=en         https://twitter.com/jakefalconcrpc         https://www.linkedin.com/in/jakefalconfalconwealthadvisors     #401k #retirementplanning #financialliteracy #investsmart #taxdiversification #employermatch #personalfinance #wealthbuilding #financialgoals #moneytips

What should you do with an old 401(k)? Tim Ulbrich and Tim Baker explore your options, common pitfalls, rollover strategies, and how to make smart moves with old retirement accounts after leaving a job. Summary When you leave a job, what happens to the retirement account you left behind? In this episode, YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, take a deep dive into the important financial decisions surrounding old employer-sponsored retirement plans, such as 401(k)s and 403(b)s. Tim and Tim discuss the impact these often-overlooked accounts can have on your overall financial plan and explore your available options, whether that's leaving the money in your former employer's plan, rolling it over to your new employer's plan, or transferring it to an IRA. They break down the pros and cons of each approach, highlight common mistakes like the “set it and forget it” trap, and explain why understanding fees and account access is so important. The conversation also emphasizes the value of working with a fiduciary advisor and the serious risks of cashing out these accounts too soon. To complement the episode, they introduce YFP's new guide: The Best and Worst Moves to Make with an Old 401(k), designed to help you avoid costly missteps and feel confident in your next move. Whether you're changing jobs, planning ahead for a career transition, or simply want to be more intentional about your retirement savings, this episode will give you the clarity and guidance you need. Mentioned on the Show First Horizon's Pharmacist Home Loan Your Financial Pharmacist YFP Guide: Best & Worst Moves to Make With an Old 401(k) FIRE Rx: The Pharmacist's Guide to Financial Independence YFP Episode 404: 5 Key Questions to Ask Before Hiring a Financial Planner Reference: 2024 Kitces Report on Financial Planning

Crypto News: VivoPower International will create XRP Treasury. Bergen County, NJ plans to tokenize all property deeds on the Avalanche network. US Labor Department rescinds guidance against Crypto in 401(k) Plans. Pakistan to launch Strategic Bitcoin Reserve.Show Sponsor -

In this episode of the Power of Zero Show, host David McKnight discusses the scenario in which you have maxed out your 401(k) and are wondering where you should invest the rest of your money. The episode kicks off with David addressing the type of 401(k)s you should be investing in first. There are two types of 401(k)s: the traditional pre-tax 401(k) and the Roth 401(k). Should you go for a traditional 401(k) or a Roth 401(k)? It all depends on whether you think your tax bracket is likely to be lower or higher in retirement… With the national debt set to hit $62 trillion by the year 2035, David believes that, “There isn't any way the Federal Government can service that type of debt without increasing taxes.”  Planning on retiring past 2035 and you're currently in the 24% tax bracket? Then, David recommends opting for a Roth 401(k). This year, you can put $23,500 into your Roth 401(k) if you're younger than 50, and $31,000 if you're over the age of 50. David talks about what to do if you're married and have maxed out your Roth 401(k), as well as what you can do if your modified adjusted gross income is less than $246,000 as a married couple, or $161,000 as a single filer. David illustrates the scenario in which relying on a LIRP (Life Insurance Retirement Plan) would make sense. According to a recent Ernst & Young study, if you can save between 3 and 5 years worth of living expenses in your LIRP by day 1 of retirement, you can increase the sustainable withdrawal rate of your stock portfolio from 4% to as high as 8%. David points out that there's no limit on how much you can put into your LIRP and, unlike with what happens with Roth contributions, you are not constrained by your modified adjusted gross income level. Another point in favor of opting for a LIRP is the fact that it grows safely and productively – the growth of the money in your LIRP is linked to the upward movement of a stock market index. Whatever that index does in any given year, you get to keep up to a cap that's typically between 10% and 12%. Index going down? Then, you're simply credited a zero.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track 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 Ernst & Young

On this week's Money Matters, Scott and Pat examine the implications of new rules for 401(k) catch-up contributions and discuss whether they really benefit the average person. Plus, they help callers navigate the complexities of fixed index annuities and inherited IRAs and explain why understanding these financial products is crucial. Allworth advisor Laurie Ingwersen joins the show to explain how a Roth conversion strategy can lessen a big tax burden. Finally, Scott and Pat share real-life stories and offer insights into maximizing your retirement savings while steering clear of potential pitfalls.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

The best lenders reveal why waiting to talk to a pro can cost you thousands—and how early planning unlocks smarter, cheaper options for your first home loan. In this episode, David Sidoni shares insights from 250 top first-time homebuyer lenders on what they wish buyers did months before applying for a mortgage. He explains why relying on Google or AI can backfire, and how professional advice early on can tailor your loan for better long-term outcomes. Real-life examples show how small strategic moves, like adjusting debt or rethinking a down payment, can drastically lower monthly costs. Whether you're a year out or just getting curious, this episode shows why it pays—literally—to start planning now.Quote“It's not just ‘can you get approved?'—it's are you in the best position possible with the loan structured around your full financial picture?”HighlightsWhat 250 mortgage pros say they wish clients did earlierThe massive mistake of waiting until you're “ready” to get pre-approvedWhy Google, webinars, and AI can't replace tailored financial adviceA real buyer example where paying off a car instead of boosting a down payment saved bigHow pre-planning transforms your buying power—not just your approval oddsThe difference between a cookie-cutter loan and a custom strategyWhy a free consult with a realtor-lender team could be your smartest first moveReferenced Episodes129 – Quasi: Bought out of college with the degree—proof you don't need 2 years.304 – Everything you need to know about credit.182 – Interview with a buyer who had a zero credit score and still bought a home.246 – Lease breaking: Why it shouldn't stop your buying plan.22, 58, 75, 113 – Using a 401K for your down payment.72, 199 – Myths about credit pulls.309 – Practice your mortgage payment before buying.69, 106 – Dave Ramsey episodes.198 – PMI is a privilege.216 – PMI is still a privilege—not the devil.Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "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!

The 401(k) is a great retirement instrument because saving is automatic and investments grow over time. So is it ever OK to ⁠borrow from a 401(k)⁠? Know the “opportunity costs”  involved. Also - good news if you like to ⁠check bags⁠ on flights.  401(k) Loans: Segment 1 Ask Clark: Segment 2 No More Lost Luggage!: Segment 3 Ask Clark: Segment 4 Mentioned on the show: ⁠Is a 401(k) Loan a Good Idea? Almost Never⁠ ⁠How To Open a Roth IRA⁠ ⁠Enrolled agent information | Internal Revenue Service⁠ ⁠National Association of Enrolled Agents⁠ ⁠Should I Buy an AirTag for My Checked Airport Luggage?⁠ ⁠What Is an eSIM? 5 Things To Know⁠ - ⁠GIGSKY - International eSIM Data Plans⁠ ⁠Using Cellular Data Internationally: Buying a Local SIM Card⁠ ⁠Deposit Insurance FAQs | FDIC.gov⁠ ⁠Can I Trust the FDIC's Recommendations on Getting Insured for More Than $250,000 at a Single Bank?⁠ ⁠Are Credit Union Deposits Insured Up To $250,000? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices