Podcasts about 401k

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.

On this episode, we'll discuss how you may be able to secure an extra $50,000 for retirement and how to protect your savings from a recession.

In May of 2025, the House passed the "One Big, Beautiful, Tax Bill." It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.

This week, Miles and Joseph discuss improvement from semiconductors, a recent RS reversal for cap weighted stocks vs. equal weighted, and rangebound action from crude oil.

ARY ROSENBAUM talks about blg 401(k) plan sponsors concerns and talks about the next book, Full Circle, coming June 9th, as well as the events in Anaheim and Milwaukee. 

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 -

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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

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Over the Memorial Day weekend, Brian Wiley and Alexandra Lundgren unpack the often misunderstood mechanics and risks of 401(k) plans—from overloading on company stock to the overlooked tax strategy known as Net Unrealized Appreciation (NUA). If your retirement plan is tied to your employer's stock, your paycheck, and maybe even a pension, you may be overexposed without realizing it… They walk listeners through how NUA works and when it might be smarter to move company stock out of a 401(k) instead of rolling it all into an IRA. Brian and Alex also dive into loan provisions, early withdrawals, and the in-service distribution option that can open the door to greater investment flexibility—if your plan allows it. They also break down why 401(k) plans are designed the way they are, what employers can customize, and how plan features like automatic enrollment, vesting schedules, and Roth catch-ups impact savers at different stages of life.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Brian Wiley & Alex Lundgren ————————————————————— SPONSORS: Guild Mortgage: https://guildmortgage.com Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ Formations: https://get.formationscorp.com/real-money-pros —————————————————————

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In this episode, Dr. Preston Cherry breaks down key retirement accounts like 401(k)s, Roth IRAs, and traditional IRAs. He explains where to save, invest, and withdraw money for retirement — and why taxes matter. The talk covers contribution limits, tax perks, smart strategies for high earners, and common planning mistakes to avoid.Takeaways:• Know where to save• Use employer plans• Roth vs. traditional• Max out contributions• Avoid common errorsWant 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/

We dive into the surprisingly common reasons people believe they don't need financial planning – and why those beliefs could be costing them. We'll unpack the myths surrounding financial planning and reveal the real benefits of having a proactive strategy. Discover how a solid financial plan can empower you, no matter your current situation.

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.

In this edition of Five Question Friday (FQF), we look at these five questions:1. My 401k is not employer matched, should I stop contributing to my employer 401k and open a Roth IRA instead?2. Where should we keep cash we'll need to spend in 12 to 18 months?3. Can you implement the bucket strategy in Boldin?4. SCHD + TIPS & Chill?5. Do Short-Term Treasury Bills provide the same inflation protection as TIPS?Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...

This week on the Retirement Quick Tips Podcast, I'm answering your questions.  Today, I'm answering an email question from a listener: I'm in my mid 40s and simply do not feel comfortable with the current political climate and want to safeguard my 401k. I see there is an option to invest in a stable value fund in my 401k, which earns 3% guaranteed. Would it be foolish of me to put a majority of my 401k investments into this fund for the immediate future (4 years)?

We discuss the hidden costs of delaying your financial planning. Discover how putting off seemingly small decisions can snowball into significant setbacks for your future. Learn actionable strategies to overcome inertia and start taking control of your money today, not tomorrow.

On this episode, we discuss the news that the U.S. and China are pausing tariffs for 90 days while they negotiate a formal trade agreement, and what it means for you and your finances.

In today's Banking With Life Q&A, James answers questions such as, "Does IBC® truly avoid the banking system?", "Does collateralizing cash value shift returns to you?", and "If 401ks work, why aren't their promoters wealthy?" As always, we hope you enjoy and thank you for listening!1. 0:22 - Does IBC® truly avoid the banking system?2. 15:32 - Does collateralizing cash value shift returns to you?3. 18:01 - Aren't loans, not deposits, what expand money and contribute to the business cycle?4. 19:28 - If 401ks work, why aren't their promoters wealthy?5. 21:27 - Are you suggesting low death benefit and high cash for IBC efficiency?Make sure to like and subscribe to join us weekly on the Banking With Life Podcast!━━━Become a client! ➫ www.bankingwithlife.com/how-to-fast-t…ur-own-bankerBuy Nelson Nash's 6.5 hour Seminar on DVD here: ➫ www.bankingwithlife.com/product/the-5…ecorded-live/ (Call us at (817) 790-0405 or email us at myteam@bankingwithlife.com for a DISCOUNT CODE)Register for our free webinar to learn more about Infinite Banking... ➫ www.bankingwithlife.com/getting-started-webinar━━━Implement the Infinite Banking Concept® with the Infinite Banking Starter Kit...The Starter Kit includes Becoming Your Own Banker by R. Nelson Nash and the Banking With Life DVD by James Neathery.It's the perfect primer for everyone interested in becoming their own banker.Buy your starter kit here: ➫ www.bankingwithlife.com/product/becom…pecial-offer/━━━Learn more about James Neathery here: ➫ bankingwithlife.com━━━Listen on your iPhone with Apple Podcasts: ➫ podcasts.apple.com/us/podcast/bank…st/id1451730017Listen on your Android through Stitcher: ➫ www.stitcher.com/podcast/bank...Listen on Soundcloud: ➫ @banking-with-life-podcast━━━Follow us on Facebook: ➳ www.facebook.com/jamescneathery/━━━Disclaimer:All content on this site is for informational purposes only. The content shared is not intended to be a substitute for consultation with the appropriate professional. Opinions expressed herein are solely those of James C. Neathery & Associates, Inc., unless otherwise specifically cited. The data that is presented is believed to be from reliable sources and no representations are made by James C. Neathery & Associates, Inc. as to another party's informational accuracy or completeness. All information or ideas provided should be discussed in detail with your Adviser, Financial Planner, Tax Consultant, Attorney, Investment Adviser or the appropriate professional prior to taking any action.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.

This week, Ian and Jamie discuss the trading ranges from stocks, treasury yields, crude oil, and gold in the current market environment.

With Warren Buffet announcing he'll be stepping down as the CEO of Berkshire Hathaway at the end of this year, Charlie and Peter discuss seven new lessons we can glean from his legacy. Plus, we've seen one of the most significant market rebounds in history since the bear market low in April. Is it a signal or just noise?

Are you borrowing money from your 401k? Check out this episode to learn the mistakes that people make when borrowing from their retirement.

Are you saving so much for retirement that it's squeezing your life today? In this episode, we're answering a smart viewer question about finding the right balance between preparing for the future and living fully in the present.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:    Marc: Are you saving so much for retirement that it's squeezing the life today out of you? And in this episode, we're going to answer an interesting question from a listener about the right balance between future savings and living in the moment. Am I saving too much for retirement? Let's find out this week here on Plan With The Tax Man.   Hey, everybody. Welcome into the podcast. Thanks for hanging out with Tony and myself as we talk, investing, finance and retirement. Of course, Tony is a CPA, CFP, and an EA of 30 plus years and the big kahuna over there at Tax Doctor Inc. And if you guys got questions and need some help, reach out to him at yourplanningpros.com before you take any action from something, from our podcast or any others, you always want to check with a qualified professional with the experience to help you get to and through retirement. And that is Tony. So yourplanningpros.com or 844-707-7381. Tony, my friend, is there such a thing as saving too much for retirement? And let's talk about it. How you doing?   Tony Mauro: I'm doing good. It's post tax season and I figured this would be a good topic because we don't hear this that much, but it is possible to be doing too much of this.   Marc: Okay.   Tony Mauro: And normally we're always talking about saving more, saving more.   Marc: Right. Yeah, yeah. That's why I thought it was kind of an interesting question. So here's the question from the listener. He says, "My wife and I bring in about $200,000 a year." Very nice. I'm assuming obviously that's combined, wife and I.   Tony Mauro: Yeah.   Marc: And he says, "We max out our two 401Ks and HSA, a 457B and still put some into brokerage accounts." Very cool. Right? He's doing a very good job.   Tony Mauro: That's good.   Marc: Yeah.   Tony Mauro: Yeah.   Marc: He said, "Yet I still feel like, honestly, sometimes we live paycheck to paycheck." Very interesting. "We also are not living in our dream home, just FYI, because I've prioritized retirement savings versus a bigger chunk down for a down payment or a mortgage or whatever. So my question is are we saving too much for retirement? I feel like it would be nice to live a little bit more in the moment." So that's the question, Tony. So, I mean, the first thing that jumps out to me is does this gentleman have a plan because... or is because we've been kind of beat up in the head to say save, save, save, like you just said a minute ago... Has he been doing all that without really truly knowing what his numbers look like?   Tony Mauro: Exactly. And that's what comes to my mind, is if you're asking this question, obviously you must not have a plan other than-   Marc: Save.   Tony Mauro: ... the only plan is I'm just saving, saving, saving.   Marc: Right, right.   Tony Mauro: And I think if we zoom out a little bit, the thing is, well, there's not a whole lot of risk for over-saving, but there can be some because you're feeling like you're feeling.   Marc: Yeah.   Tony Mauro: In other words, you feel like you're not living enough, you're making maybe too many sacrifices. And so it's not maybe a financial risk, but it's an emotional one for sure.   Marc: Right. Okay. Yeah, yeah. That makes sense. Well, we've got this... and let me know what you think about this. So I guess the question for the listener would be how can you tell, right? Without coming in, sitting down with a qualified professional, obviously running the numbers. That's certainly going to be the easiest way to do it.   Tony Mauro: Right.   Marc: But how can you tell if you're ahead of schedule financially? What do you think about those online benchmarks and online things that you can use? Like we've got one from T. Rowe Price here. We'll throw a link into the show notes description this week if people want to go check that out for themselves. Just click on the link. But it gives you that... How much do you have from your salary going here and there and that kind of stuff. Do those things, are they helpful?   Tony Mauro: I think they're helpful. I mean, if somebody's just asking me off the cuff, I point them to those types of things just as a benchmark.   Marc: Okay.   Tony Mauro: I always tell them, keep in mind benchmark means benchmark and if you really want to narrow it down for you specifically, that's when I think you need a full-fledged plan because I think that's what's really going to help you the most, but at least it can get you started.   Marc: Yeah, I mean, it's like the back of the napkin math when you're doing how much withdrawal rate and that kind of thing. It gets you kind of a launching pad. And, Tony, you and I are about the same age. We heard growing up we needed to put 10% away in order to be ready for retirement. Generations now. I mean, my daughter, she's 28, so she's being told 15% and even any kids that are like 20 now are being told maybe 20%. Right?   Tony Mauro: Right. Yeah.   Marc: So how do you kind of balance that paycheck to paycheck feeling in life? I mean, it's tough.   Tony Mauro: It is tough. And that's why having a moving and active, live, plan is going to help you the most because everybody's going to be different. I think that depending on what you want, long term, is going to determine that percentage.   Marc: Right.   Tony Mauro: And I think just throw a blanket out there, it's probably a little too presumptuous there. But I think with the younger people, 20% seems awfully strong to me.   Marc: Well, it seems tough to do, right?   Tony Mauro: Yeah. And very tough to do for the young people if we told them that, they'd really have to... I mean they would definitely be feeling like this if they were trying to save 25%, something like that.   Marc: Right. Yeah. And live. Right? Of course.   Tony Mauro: And live, yeah.   Marc: Yeah. Well, all right, so for the listener here... So he's got a lot coming in, he's putting a bunch into different accounts. Right? If you're saving too aggressively, right? I mean, given into the fact that we take a plan... Let's say this person came in, you ran the numbers for them, okay? And we'll try to put some context to this. And you could certainly see that they were on target to be just fine based on the numbers he's already put away. How would you then counsel things. All right, let's kind of back this down? Or do we want to start looking at tax efficiency because we've saved so much or where would we go?   Tony Mauro: Well, where we would start would be what their end game is and what the number looks like for them. And then start working backwards and use the planning software to basically show them, okay, well you're already going to hit what you just told me and then some.   Marc: Right.   Tony Mauro: So if that's still going to be your mark, let's start talking about some of your other goals that you feel like you've missed and let's prioritize those and let's start backing off the savings a little bit and put some towards those.   Marc: When you say number, Tony, do you mean income? Do you mean what their assets would generate monthly for an income?   Tony Mauro: That's what I mean there, yeah.   Marc: Okay. Yeah.   Tony Mauro: I mean, we'll start with what do you want monthly when you retire and then based on what you have in your nest egg now and forecast out what it's going to grow to...   Marc: It could generate that, right, okay.   Tony Mauro: It could generate that easy.   Marc: Right.   Tony Mauro: And then start going from there. And I would actually at least suggest to them if these other goals are important to you, you already know you're going to be okay when you hit the distribution stage in retirement. Let's start knocking some of these things out a little bit.   Marc: Yeah.   Tony Mauro: Because the thing I always point to... And I'm going through it right now with my sister-in-law who just retired at 65. And she's got a lot of health problems and she just had a recent bout in the hospital on dialysis, on a breathing machine.   Marc: Oh no.   Tony Mauro: Almost to a point where you don't know how long, of course, you're going to live is where I'm going with that.   Marc: Right.   Tony Mauro: And if you save it all to the end and something does happen like that, or worse, you pass away, what was it really all for? So I'm one of those guys that I like to balance, hey, you got to live a little now and take care of the future as well. But I think some people go the other way and this guy sounds like he's gone maybe too far the other way because he's asking a lot of questions   Marc: Yeah and he's obviously interested in and maybe living a little bit more. And so that's kind of where I wonder. It's like, okay, well how do we go about breaking that down? Now, granted, obviously coming in and running the numbers, but for the sake of the podcast, sharing that with other folks, how do we go about accomplishing that? So do some analysis. Right? So I guess what you say. What's your current income level and then what's your current spending level? And is that where you want to be in retirement as well? Let's say it's $10,000 a month, just for an easy number.   Tony Mauro: Yeah.   Marc: Well, does what you've generated create $10,000 worth a month in income, which you were just talking about. And then of course people... We hear that, well, you're only going to need about 80% or 85% in retirement, but if you don't want to go backwards in lifestyle and you feel like you've not been living enough anyway, then I would say you want to keep it higher, correct?   Tony Mauro: High. Yeah. I'd keep it at 100%.   Marc: Okay. Yeah.   Tony Mauro: And just keep it high and we can always adjust it downward, but I find that most of the time... And we've talked about it before, that your expenses and living don't go down quite as much as you thought when you were young and dreaming about it. When you get there, you don't want to back that off too much.   Marc: No, for sure. So determine if you're saving too aggressively, right? Look at your rates, look at some of the things that you're bringing in. Again, that monthly income. What's it generating. Then start looking at... I don't know, maybe that's where you can use some of the automation, right? If this person is still working, then maybe you can back down contributions-   Tony Mauro: Back down.   Marc: ... or does that make sense because you want a dollar cost average still too? Right? So it's an interesting math question.   Tony Mauro: It's an interesting math question. And there's also got to throw in taxes there because obviously if you back down some of this pre-tax stuff, if he's got it. His taxes are going to go up a little bit. So it's a delicate balancing act, but I think it can be done in a tax efficient manner with some help and planning.   Marc: So if you were going through and trying to help this person, they came into the office, the first thing you would do is start running the numbers, put all these things in play into your software that he's got because he's got a lot, which is very cool.   Tony Mauro: Yeah.   Marc: And then see where they're at and then what? Tax efficiency would be next, and then what's after tax efficiency? Maybe the legacy side or what?   Tony Mauro: I would say after the tax efficiency, I would ask them about the legacy side, what their plans are there and if we're still in good shape with what they want to do there. And then I would make them list their goals of some of the things they want to do between now and the time they do retire and let's start tax efficiently trying to make that happen.   Marc: Well, he mentions the dream home. He mentions the dream home. So that could be interesting too, right? So it's like is that still high on the list?   Tony Mauro: Right.   Marc: Let's say this person is in great shape, they have saved maybe over amount to what their goal, their target, was. Not that, I guess, there's such thing as being over. But they've hit their target, but they kind of want to take the dream home into account. So, again, you got to factor that in, right? Because we know that pricing is still high for homes. Interest rates are higher, what are you going to get for the old one? What's it going to cost you for the new one? And, again, this is where that whole, complete, financial analysis is really going to come into play.   Tony Mauro: It really will. I don't know anything about this couple, but I would ask them strongly, depending on what their age is, about that dream home unit. Is that really high on the list? Because that that's a large, large expenditure and maybe the home you're in is fine, especially if you own it. And maybe you want to take that money and do something else with that. But who knows. They might be dead set on something like that and then it's up to us try to help them make it work.   Marc: Right, yeah. So plugging in a lot of numbers, doing the X's and O's trying to get it all there. So I guess to kind of circle back to the whole initial thing, can you save too much for retirement? I mean, it's probably not... I feel like fundamentally you got to say no, right? Because if you save too much, all you're going to be able to do is either enjoy yourself more in retirement or leave a nicer legacy to your kids, right?   Tony Mauro: Yes. Yeah. And the true answer is no. I don't think you can ever save too much. I do think though that what we've just talked about and with him, he's feeling it... is don't neglect enjoying life a little bit along the way.   Marc: Yeah, yeah.   Tony Mauro: And that's where a plan is going to come in for sure because he's just -   Marc: It was a while back, Tony, we did a... God, it's been a while. We did a personality type podcast and we talked a little bit about, I can't remember all of them, but one of them was the miser, right?   Tony Mauro: Yeah, yeah.   Marc: Not saying that this person's a straight-up scrooge or a miser, but the person that just got into such a groove and a rhythm of saving and being so aggressive that they forgot to enjoy life. Right? And I don't know that this person's that far, but he kind of framed his question that way. How do you work with people like that? How do you help them kind of see that it's okay to spend some of that money?   Tony Mauro: I think the biggest thing for us is showing them, in real numbers, that they are going to be okay so they can wrap their head around it. Because, for many of them, depending on how they grew up and were raised, it's tough for them to change that. And it takes a little work and it takes some real discipline going the other way to spend some money. And most of my clients, it seems like, especially on the distribution stage, when they get older, they tend to automatically start wanting to not spend as much. And so if you're already there and then you go into retirement, boy, I would hope you wouldn't do that because you're even going to be worse off than you are now.   Marc: Yeah.   Tony Mauro: And, in other words, you're going to have all this money and you don't want to even go enjoy a penny of it.   Marc: Yeah.   Tony Mauro: Defeats the whole purpose of planning.   Marc: Well, I mean, this is really where the black and white helps. The old rubber meets the road kind of thing, right?   Tony Mauro: Yeah.   Marc: Because no matter what your emotional mindset is, if we see the data, then our brain sometimes goes, okay, all right, now, all right, I see this now all laid out. Tony, you could run a stress test for this individual and go, okay, based on what you've saved, based on the goals we've talked about, the things you want to accomplish, this is when you would roughly expect to run out of money, age 100 or whatever.   Tony Mauro: Yeah. Yeah.   Marc: And then that gives, I think, that peace of mind to people to go all right. All right, maybe I can loosen up the purse strings now a little bit and go enjoy myself.   Tony Mauro: Yeah. At least let them know that. And if they choose-   Marc: Not to. Right. Yeah.   Tony Mauro: ... not to, then that's their decision at the end of the day.   Marc: The good thing too is the spouse... He mentioned his spouse, obviously, you got the other person who also gets to see it and go, wait a minute now. Stop being so tight.   Tony Mauro: Yeah. Right.   Marc: I want to go have some fun too, or whatever.   Tony Mauro: Yeah. Yeah. It's fun with when you have the spouses in there because, yeah, you might have a different personality there or somebody that says, I've worked all my life and now I want to go enjoy some things before something happens.   Marc: Yeah. Yeah, don't be such a penny pincher or whatever. And again, not that any of that is wrong. Everybody's going to be different. Just based on this person's question, he seems like he's realizing, Hey, we've done a really good job saving, but I'd like to kind of enjoy life a little bit more. The thing that worried me a little bit most was I feel like I'm living paycheck to paycheck and it's like you're making a good salary. So, yeah, I mean, run the numbers. Look at what you're spending each month. Look at what you're saving because, I mean, there could be some expenditures that are out of control too, right? And it's not hard to do in today's world, right? It seems like Amazon shows up at everybody's house every other day.   Tony Mauro: Yeah. Right. I just ordered some stuff before this podcast.   Marc: Well, there you go. Proved my point.   Tony Mauro: Yeah. Yep. Yep.   Marc: So run the numbers. Come in, sit down, have a conversation with a qualified professional. Make sure you're talking with somebody like Tony. Again, he's a CPA and a CFP and an EA with 30 plus years of experience. So he's looking at the tax side of things, he's looking at the investment side of things, he's looking at the whole puzzle piece. And if you need some help, reach out to him. Yourplanningpros.com. That's yourplanningpros.com for that complimentary consultation and review. And don't forget to subscribe to us on whatever podcasting app you enjoy using. Apple, Spotify, and the like. Tony, thanks for hanging out, my friend. Always appreciate you.   Tony Mauro: All right. We'll see you next time.   Marc: We'll see you on the next episode of Plan With The Tax Man with Tony Mauro from Tax Doctor Inc.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

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!

In this one, we're diving deep into the essential steps you need to take to land your very first job. From prioritizing your questions during the interview process to reflecting on what's truly meaningful, we're sharing practical strategies, insider tips, and common mistakes to avoid.  Whether you're fresh out of school or making a career pivot, this episode will give you the tools and confidence to navigate the job market like a pro.  Don't just apply—*stand out*. Let's get you hired.

Retirement Expert James Conole @RootFP breaks down how to retire wealthy with smart strategies around tax-free income, 401(k)s, Roth conversions, investment risk, Social Security, and the psychology of spending in retirement. Plus, we debate whole life insurance vs. bond alternatives, explore annuities, reverse mortgages, and the surprising ways legacy and lifestyle planning shape long-term wealth.Check out James Conole's Channel: @RootFP Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault00:00 Intro02:36 The Importance of Financial Planning04:47 Framework for Retirement Planning12:44 Understanding Cash Flow and Inflation17:44 Investment Strategies and Risk Management21:27 Typical Withdrawal Rate For 5 Years32:34 Understanding Root Reserves36:21 Risk Tolerance vs. Risk Capacity39:20 James Conole's Liquid Investments44:48 Exploring Annuities and Their Benefits48:52 Tax Advantages52:49 Retirement As an Income Strategy57:31 Navigating Reverse Mortgages01:01:44 Cashflow in Financial Planning01:04:10 Gold and Precious Metals01:07:25 Debt Management and Financial Strategies01:08:25 Tax Planning for Retirement01:21:11 Business Or Invesments01:27:00 Finding Purpose and Intentional Living______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

Your IRA in retirement. You can leave it, roll it, or cash it out. How do we know what works best for us and what do we have to watch out for? Want to begin building your retirement plan? Schedule a call with us here:

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

MAID: Why the Government Wants You to Kill Yourself - Kelsi Sheren Watch this video at- https://youtu.be/gBgh-yxZtzY?si=MN9ITRLcCj4nG8v8 Triggernometry 1.3M subscribers 1,015,492 views Jan 15, 2025 TRIGGERnometry - NEW episodes every Sunday and Wednesday 2 pm ET/7 pm UK Kelsi Sheren is a former Canadian Artillery Gunner, coach, author, host of The Kelsi Sheren Perspective and a TEDx Speaker. | Follow Kelsi on X: https://x.com/KelsiBurns SPONSOR: Our partners Augusta Precious Metals are the best Gold dealer provider in the business. Protect your 401K: https://bit.ly/Triggernometry_Augusta... SPONSOR: Shopify! Sign up for a £1 per month trial at https://www.shopify.co.uk/trigger/ SPONSOR: MUDWTR. Start your new morning ritual & get up to 43% off your ‪@MUDWTR with code TRIG at - https://mudwtr.com/TRIG. Join our exclusive TRIGGERnometry community on Substack! https://triggernometry.substack.com/ OR Support TRIGGERnometry Here: Bitcoin: bc1qm6vvhduc6s3rvy8u76sllmrfpynfv94qw8p8d5 Shop Merch here - https://www.triggerpod.co.uk/shop/ Advertise on TRIGGERnometry: marketing@triggerpod.co.uk Find TRIGGERnometry on Social Media:   / triggerpod     / triggerpod     / triggerpod   About TRIGGERnometry: Stand-up comedians Konstantin Kisin (@konstantinkisin) and Francis Foster (@francisjfoster) make sense of politics, economics, free speech, AI, drug policy and WW3 with the help of presidential advisors, renowned economists, award-winning journalists, controversial writers, leading scientists and notorious comedians. 00:00 Introduction 01:06 What is M.A.I.D? 14:23 How do they justify euthanising children? 16:40 Augusta Precious Metals advert 18:15 How can you euthanise people for just being depressed? 21:31 What do we do with people who are genuinely seriously mentally unwell? 26:10 Electro-shock therapy 29:21 M.A.I.D is a self reporting system with no safeguards 33:57 Palliative care 37:02 Shopify advert 38:20 Is cost saving the reason this is being pushed? 46:12 Government overspending 49:44 How much of this is to do with ideology? 51:15 MUD/WTR advert 52:44 What are people doing to push back? 58:11 They're trying to kill as many people as possible 01:03:57 What's the thing we're not talking about that we should be?

This week, we break down the surprising China tariff truce and what it means for global markets. We then dive into the growing concerns surrounding a potential recession, exploring key indicators and expert opinions. We provide actionable steps you can take now to financially prepare for economic uncertainty and safeguard your portfolio.

Should You Cash Out Your 401(k) Retirement Account?In this episode of Techie Personal Finance Bootcamp, we explore the critical question of whether you should withdraw from your 401k. We discuss common reasons for considering a withdrawal, such as emergencies and market fears, and highlight the financial downsides, including taxes and penalties. The episode also covers alternative solutions like 401 (k) loans and emphasizes the importance of informed decision-making to avoid long-term financial stress. 00:00 Intro06:24 10% Penalty07:04 Federal & State Income Taxes08:27 Special ROTH Features To Avoid Penalty and Taxes09:04 Less Resources, Less Time To Build It Back11:53 401 (k) loan alternative13:10 Different Exemption Rules To Be Aware Of14:03 Separation after age 5515:24 Home Equity Loan/ Line of Credit17:20 

In this episode we tackle the importance and strategies for periodic reviews of your legal documents and your financial plan. We also talk about the apple cider vinegar craze.

Curious how your 401(k) stacks up? Our annual break down is back with the latest Fidelity data on average 401(k) balances by age and how to use your 20s, 30s, 40s, and beyond to build wealth strategically. From understanding your match and optimizing contributions to making smart investment decisions, this episode is packed with tips to help you hit your retirement goals. ⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠ ⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠ ⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠ ⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠ ⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Sean “Diddy” Combs's attorneys' question his ex-girlfriend Cassie Ventura under oath. A look at what his legal team wanted to accomplish and what she actually said. Plus, if you've ever dreamed of quitting your job and taking off on an adventure you'll want to hear from Oliver Widger. He didn't know much about sailing but he cashed in his 401K, got a boat, and is now sailing the seas. He talks to Anderson from his boat somewhere in the Pacific Ocean, with his rescue cat companion. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Matt and Katie discuss leveraging up your 401(k), everyone's love for putting private credit into retirement accounts, mortgages versus margin loans, college finance clubs, travel sports and how to get Elon Musk paid.See omnystudio.com/listener for privacy information.

This week on Retireholics, Christopher Tipper and Katherine Tipper of Hunter Benefits Consulting Group, Inc. also know as THE 401(k)ouple! Let the bourbon flow!

The Investing Power Hour is live-streamed every Thursday on the Chit Chat Stocks Podcast YouTube channel at 5:00 PM EST. This week we discussed:(02:27) Exploring Nu Bank's Growth and Market Potential(09:04) Instacart's Business Model and Market Position(16:50) Airbnb's New Services and Market Strategy(33:41) Challenges Facing UnitedHealth and Industry Insights(36:05) UnitedHealth's Turmoil and Market Reactions(41:21) Bubble Watch: Basic Capital's Risky Leverage(48:39) Earnings Insights and Market Trends(57:57) AI in Commerce: Trusting Technology for Purchases(01:01:34) Chime's IPO: A Potential Investment Opportunity*****************************************************JOIN OUR NEWSLETTER AND CHAT COMMUNITY: https://chitchatstocks.substack.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. *********************************************************************FinChat.io is The Complete Stock Research Platform for fundamental investors.With its beautiful design and institutional-quality data, FinChat is incredibly powerful and easy to use.Use our LINK and get 15% off any premium plan: ⁠https://finchat.io/chitchat *********************************************************************Bluechippers Club is a tight-knit community of stock focused investors. Members share ideas, participate in weekly calls, and compete in portfolio competitions.To join, go to ⁠Blue Chippers and apply! Link: ⁠https://bluechippersclub.com/*********************************************************************Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation.

Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.

Got an old 401(k) collecting dust after a job change? You're not alone, and what you do with that account might have a big impact on your long-term financial health. In this episode, Ryan answers a listener's question about whether it's okay to leave your 401(k) where it is, or if you're better off rolling it over. Spoiler alert: the answer isn't one-size-fits-all, but there are some key pros and cons you need to know. Here's what we discuss in this episode:

In this powerful episode, Morgan kicks things off with a heartfelt meditation dedicated to Black women entrepreneurs—the visionaries, the builders, the dreamers. From hair braiders to boutique owners, candy-store founders, and beyond, this moment honors the resilience and brilliance shaping communities every day.Then, Vanessa takes us on a deep dive into financial planning, breaking down the essentials of retirement strategies. She clarifies the key differences between a 401K and an IRA and introduces the concept of a Freedom Circle—a transformative way to invest in your future alongside others.To round out this week's theme of financial empowerment, Sandria returns with her expert tips, ensuring you're equipped with the tools needed to thrive on your path to lasting economic independence.Tune in, get inspired, and take control of your financial destiny!Important Disclaimers: While this episode provides helpful information, we are not medical or financial experts. Please consult your doctor for personalized advice. And always consult a qualified financial professional before making any investment or retirement planning decisions.

Well, we sure do field a lot of questions from a lot of frustrated owners over our time. In fact, this coming week we'll be in Dallas speaking at a Build Expo, and I highly anticipate these questions will come up around this issue of employee engagement. How do I make employees feel valued? How do I make them feel engaged with what we're trying to do? And so we're going to talk about that. Hey, before we dive in, you need to check out the Dickey and Donnie Show on the BOP podcast. It's two of our coaches, Sean and Brandon. They're amazing coaches and I am so grateful they've taken time. It is a whimsical look at a lot of the frustrations that business owners deal with, but done in a super fun way—and I think you'll enjoy it. So come to this podcast, look for the episodes entitled Dickey and Donnie, and you'll get it. Once you get on there, you'll get it. And stay tuned to the end of this podcast. I'll give you a little tool and a resource I think will be helpful for you. I want to tell you a true story of how you can see engagement within employees and also value—how you can actually show them value. When Coastal Shores Landscaping took a closer look at their labor crews' lives, they uncovered a significant financial issue that many of them were dealing with. See, these 20 to 25 crew members that they had at the time—have actually grown since then—many were cashing their paychecks at the local grocery store every single Friday. What seemed like a convenient option was actually costing these employees quite dearly. The company discovered that check cashing fees were adding up to a staggering amount—equivalent to about one week's salary, sometimes a little bit more per year, per employee. Of course, the problem doesn't stop there. Any one of those individual problems has recurring benefits or consequences. Having cash in hand on a weekend often led to impulsive spending and left little for savings or essential family needs. So they recognized the issue, and Coastal Shores made a strategic decision to implement a mandatory direct deposit policy for all employees starting that following October once they figured this out. This actually happened a few years ago, but this move was designed to address several key problems and provide multiple benefits to their employees. First, it gave employees the dignity of having their own bank accounts. The company brought a banker to their office to help set up those accounts for free for everyone. This simple step of just opening up an account on site opened up a world of financial services and opportunities that many had never experienced before. Second, it eliminated the temptation of having immediate cash on hand. We all know what happens with cash in our pockets. With money safely deposited in their accounts, employees would need to make a conscious decision to withdraw funds—hypothetically reducing impulsive spending. Third, the company introduced a Christmas savings program. They set up a designated account where employees could save a small amount each month for holiday gifts. This helped prevent the need for last-minute borrowing or credit card debt during a festive season—so you could go through the season and not have guilt on the backside of it. Coastal Shores didn't stop there. They expanded their financial wellness program to include 401k accounts, allowing employees to start saving for their future. Among their field team—their labor crews—there is currently a 98% participation rate. This comprehensive approach to financial literacy became an integral part of the training program. Coastal Shores embodies the principle that life and business necessarily intersect. By investing in their employees' overall well-being, they have created a workforce that's not only more skilled in their jobs but also more financially stable and satisfied in their personal lives. This serves as an excellent example of how companies can positively impact their employees' lives beyond the workplace—creating a win-win situation for the business and its members. I know sometimes that can overwhelm you to think about—“Well, how do we do 401k plans or how do we set up these other ancillary programs for our employees to be able to thrive?” Hop on a call with one of our coaches. We've got dedicated time as our coach team to set time with you. If you're a business owner with three or more employees doing a million or more in revenue, then go to businessonpurpose.com/ask—that's businessonpurpose.com/ask—and one of our coaches would be delighted to hop on with you for about 15–20 minutes. They'll answer any questions you have, and if you want to know how to work with us, potentially they can show you that as well. Just ask them. Alright, so go to businessonpurpose.com/ask, and you can get clarity on how to start engaging with your employees. To check the health of your business, visit mybusinessonpurpose.com/healthy today! SIGN UP for our Newsletter HERE ➡️ https://www.boproadmap.com/newsletter For blogs and updates, visit our site HERE ➡️ https://www.mybusinessonpurpose.com/blog/ LISTEN to the Business On Purpose Podcast HERE ➡️ https://podcasts.apple.com/us/podcast/my-business-on-purpose/id969222210 SUBSCRIBE to our YouTube channel HERE ➡️ https://www.youtube.com/channel/UCbPR8lTHY0ay4c0iqncOztg?sub_confirmation=1

Hour 1 of A&G features... Tariffs, Trump headed to the Middle East & the cease fire Katie Green's Headlines! Take a look at your 401K & China tariffs Mailbag! See omnystudio.com/listener for privacy information.

Discover the new 401(k) limit for older investors. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)