Podcasts about 401k

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss retiring before your spouse, walking through the specific decisions couples face with early retirement planning when one partner is ready to stop working and the other isn't. This episode covers retirement planning for couples navigating that in-between stretch, including health insurance before Medicare, retirement income planning, and the retirement tax planning tradeoffs that come with a staggered retirement timing decision.Listen in to learn about the three paths for health insurance before Medicare, why a written retirement income plan protects your future flexibility around Roth conversions in retirement, how Medicare and retirement timing intersect with Social Security planning, and the practical retirement checklist to work through once one spouse decides to retire, including what a 401K to IRA rollover actually involves.In this episode, find out:The three health insurance before Medicare options when one spouse retires early and the other keeps working, and why the obvious choice isn't always the cheapest oneWhy retirement income planning starts with a written plan, and how pulling from the wrong account today can limit your ability to do Roth conversions in retirement laterHow a drop in household income opens a retirement tax planning window, and why you have to pick a priority between Roth conversions, Social Security planning, and health insurance subsidies rather than optimizing all three at onceWhat a 401K to IRA rollover really means once you retire. It's a tax-free move, not a taxable event, and it opens up investment options beyond what most 401k plans offer, often with the chance to reduce the fees tied to those plansWhy planning retirement isn't only about retirement cash flow and taxes, and how thinking through the non-financial side helps you retire comfortably instead of just affordablyTweetable Quotes:"Can you put a dollar value to not having to worry about this stuff when you're getting close to retirement?" — Radon Stancil"The idea is before one of the two retire, understand what the impact of that's going to be and how you're going to play it out so that it's really clear in mind." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

In this episode of the BiggerPockets Money Podcast, Mindy Jensen and Scott Trench explore how you can use AI to make better financial decisions and move closer to financial independence. They share practical ways to ask better questions, give AI the right context, stress test your financial plan, and even develop an investment thesis. Plus, they talk about where AI can help and why you still need to double-check its work.To go beyond the podcast:Interested in a Flat Fee Financial Planner? Go to https://biggerpocketsmoney.com/fipro/Interested in Learning More About Buying a Franchise? Check out: biggerpocketsmoney.com/franzyGet 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarch.com/pocketsWe believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Americans' 401(k) balances are hitting records—but nearly one in five workers has an outstanding plan loan. Don and Tom explain why a properly sized emergency fund should protect retirement savings from life's inevitable surprises.They also show why TLT and other long-term Treasury funds are not cash substitutes: when rates move, long-duration bonds can swing like stocks. A diversified bond allocation, regular rebalancing, and clear buckets matter more than chasing today's yield.Then they examine a puzzling Social Security statement and Robinhood's expanding prediction markets, where a simple yes-or-no contract looks a lot more like gambling than investing.00:35 — Retirement savings reach record highs05:49 — The rise of 401(k) loans07:45 — Building the right emergency fund09:19 — When and why to rebalance13:08 — Why TLT is not cash19:23 — A strange Social Security estimate22:34 — Robinhood's prediction-market gambleQuestions? Comments? Click!

Get the FREE BEGINNER'S GUIDE to self-directing an IRA and learn how to put your Roth dollars into real estate, private funds, startups, and crypto! Ready to build your tax-free bucket the right way — BOOK A FREE CALL with DirectedIRA and get the Roth IRA or Roth 401(k) accounts you need set up today!Roth IRAs and Roth 401(k)s share a first name and the same tax-free growth, but almost every rule that governs them is different — and picking the wrong one for your next dollar can cost you real money. Wealth lawyer and real estate investor Mat Sorensen breaks down the five biggest differences between these accounts and the funding order that lets you capture the best of both.What the five differences reveal:• Why high-income earners are phased out of Roth IRA contributions at $153,000 single or $242,000 married filing joint• How the Roth 401(k) allows $24,500 in 2026 versus $7,500 in a Roth IRA, plus catch-up and super catch-up amounts• Why an employer match can double your contribution on day one and should always be captured first• How Roth IRA contributions can come out any time tax- and penalty-free while Roth 401(k) dollars stay locked until 59½• When a 401(k) participant loan of half the balance up to $50,000 becomes your early access option• Why Roth 401(k) dollars can roll into a Roth IRA but Roth IRA dollars can never move back• The three-step funding order that gets the match, the flexibility, and the maximum Roth contributionThe bigger lesson is that these two accounts are teammates rather than rivals. One delivers a larger contribution limit and free employer money, while the other delivers investment freedom, early access to contributions, and control over where your tax-free dollars actually grow. The investors building the largest tax-free buckets are not the ones who picked a side — they are the ones who used both in the right sequence.This strategy is especially valuable for high-income earners, employees with a 401(k) match, self-employed investors using a solo 401(k), younger savers who may need early access, and anyone approaching retirement who wants to start their Roth IRA five-year clock now!Check out my youtube channel for more content on retirement planning and self-directed IRA topics!: https://www.youtube.com/@MatSorensenFor questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

This episode on financial literacy, money psychology, and how spirituality and manifestation can coexist with practical money management. She clarifies she is not a financial advisor and critiques “woo” financial advice that encourages people to spend money they don't have on challenges or expensive coaching by maxing out credit cards. Nikki advocates for building a savings cushion, understanding cash flow, debt and interest rates, and learning about retirement options like 401(k)s (including employer matches), IRAs, and 529 college savings plans. She frames financial stability as supporting nervous system regulation and wellness. She discusses Tara Swart's The Source and summarizes key ideas from Morgan Housel's The Psychology of Money, emphasizing spending less than you make, saving consistently, investing long term, compounding, and defining “enough."Time Stamp:00:00 Welcome to the Podcast00:30 Money Meets Manifestation02:12 Why We Need Both Worlds04:08 Gabby Bernstein Manifestation Challenge07:18 Calling Out Costly Coaching10:43 Practical Money Basics15:01 The Woo Woo Side17:46 Books and Money Lessons22:46 Your Next Money Steps24:04 Be Both Spiritual and PracticalFind Nikki online:Substack - https://nikkilanigan.substack.com/Instagram - www.instagram.com/elevate_and_align_podcast

Suze Orman is one of the most famous financial advisers in America, and she wakes up at 5 a.m. every single day. While Your Money Briefing is on a break, we're bringing you the first episode of My Monday Morning from our colleagues at The Journal podcast, where Lane Florsheim talks with Orman about when to retire, why she avoids eating out and why she doesn't trust AI. Follow The Journal here. Sign up for the WSJ's free Markets A.M. newsletter. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss what actually happens once a household crosses the $1 million mark in their 401k, and why hitting that number raises new questions instead of settling old ones. They walk through why the balance on your statement isn't the number you actually get to spend, how required minimum distributions can sneak up on even careful savers, and why the investment strategy that built your nest egg isn't the one that should carry you through retirement.Listen in to learn about the tax traps that catch people off guard when withdrawing from a 401k, why Roth conversions deserve a serious look before required distributions kick in, how the three-bucket strategy protects your income from a bad market at exactly the wrong time, and what changes financially (and it's not what you'd expect) when one spouse passes away.In this episode, find out:Why a $1 million 401k balance is really closer to $650,000 to $700,000 after taxes, and how that mistake trips people up when withdrawing for big expensesHow required minimum distributions work, and why waiting too long to touch a 401k can create a bigger tax problem laterWhy a Roth conversion strategy, done while both spouses are alive and filing jointly, can meaningfully reduce lifetime taxesWhat sequence of returns risk is, and how the three-bucket strategy (cash, safety and income, growth) protects retirement income from market downturnsWhy moving from a joint tax return to a single filer after a spouse passes away often raises your tax rate, even if your income barely changesTweetable Quotes:"While you see the million on paper, really only about 650 to 700,000 of that's actually yours." — Murs Tariq"How I take money out of a 401k has some things I've got to think through. So, I've got to think through my taxation. I've got to think through potential problems with IRMAA." — Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

What type of questions do people ask who are already practicing Infinite Banking and personal finance strategies? In this video, we dive into the benefits of using policy loans, managing cash flow, and making informed financial decisions when it comes to how to view the 401(k) or qualified plans.JOIN OUR FREE SKOOL COMMUNITY - https://www.skool.com/ibc-community-7282VISIT OUR WEBSITE FOR MORE RESOURCES - https://thewealthwarehousepodcast.com/AND - https://cospark.us/chapters00:00 Introduction to Policy Loans and Multiple Borrowings01:59 How Policy Loans Work Like a Personal Line of Credit03:55 Using Policy Loans for Business and Personal Needs06:57 Interest Rates and Policy Loan Management10:03 Strategies for Loan Repayment and Policy Optimization15:01 The Role of Policy Maturity in Loan Strategy20:11 Reflections on Wealth Building and Insurance as a Foundation24:54 Collateral, Guarantees, and Private Lending Insights29:48 Should You Pay Off Your Mortgage with a Policy Loan?45:02 Closing Remarks and Future Plans for Live SessionsWhat's your biggest challenge with managing your finances? Drop it in the comments!Subscribe for more insights on Infinite Banking and personal finance strategies!Not Controlling the banking function Music licensed through Soundstripe. Code: OSSPVSAKFEH4ZIDS, HRPVYOEXHR24MEIZ

Should you use your 401(k) to buy a house? For first-time homebuyers struggling to save enough for a down payment and closing costs, your retirement account may be an option, but how you access that money can make a massive difference.In this episode, we break down how first-time homebuyers can use a 401(k), 403(b), TSP, traditional IRA, or Roth IRA when buying a home. We explain the difference between taking a 401(k) loan and making an early withdrawal, including the potential taxes, penalties, repayment requirements, and impact on your long-term retirement savings. We also walk through the math behind a potential $380,000 mistake and explain why borrowing from your 401(k) may be very different from simply cashing it out.If you're trying to buy your first home but don't have enough money saved for the down payment, the answer isn't automatically to raid your retirement account or give up on buying altogether. The key is understanding your options, knowing how much cash you actually need to close, and figuring out whether using retirement funds fits into your bigger financial picture.Start Here

Most 401(k) plans offer an employer match, but some provide even more valuable retirement benefits. Bob explains how to determine whether you're making the most of everything your plan has to offer.

In celebration of National 401(k) Day (which was this past Thursday), Robert Brokamp covers three employer-sponsored plan features that often fly under the radar – partially because they can be complex, and partially because many plans don't offer them.In this episode, Robert discusses:-Advocating with your employer for more features and better investment choices-How a self-directed brokerage within can help both the stock and non-stock side of your portfolio-How to implement the mega backdoor Roth-How the rule of 55 (or 50) can allow some people to make withdrawals a few to several years before age 59 1/2 and avoid the 10% early distribution penalty.Have a question for our upcoming financial planning mailbag episode? Email it to podcasts@fool.com. Host: Robert Brokamp, CFP®, EAEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Heather Berger of the U.S. Economics Team hosts Wealth Management Senior Economist and Strategist Sarah Wolfe to discuss what it takes to define the middle class in America today. They break down how factors like rising essential costs and the development of AI are reshaping consumer balance sheets and financial security.Sarah Wolfe is a member of Morgan Stanley's Wealth Management Division and is not a member of Morgan Stanley's Research Department. Unless otherwise indicated, her views are her own and may differ from the views of the Morgan Stanley Research Department and from the views of others within Morgan Stanley.Read more insights from Morgan Stanley.----- Transcript -----Heather Berger: Welcome to Thoughts on the Market. I'm Heather Berger from Morgan Stanley's U.S. Economics Team.Sarah Wolfe: And I'm Sarah Wolfe, Senior Economist and Strategist on Morgan Stanley's Thematic and Macro Investing team in the Global Investment Office.Heather Berger: Today, the K-shaped economy, the middle class, and how AI could reshape both.It's Friday, September 11th, at 10a.m. in New York.The K-shaped economy has been a major theme this year. At its core, it describes an economy where households are experiencing very different circumstances. Those with more assets have benefited from rising wealth, while those with less wealth remain more dependent on income and more exposed to increases in essential costs. But that top versus bottom framing can miss an important part of the story: the middle class. Sarah, you recently wrote about what it takes to make it to the middle class in America. How would you define the middle class today, and how does that differ from the way that households define it themselves?Sarah Wolfe: I think the important thing here is that economists and households define the middle class very differently from each other, and, and I'll get into why that's the case.So if you're an economist, the middle class is roughly defined as two-thirds to twice the median household income, which today means if you're making around fifty-five thousand dollars a year to a hundred and sixty-eight thousand dollars a year, depending on where you live in the country, that is roughly the middle class. And that's where about half of Americans sit today.We've actually seen that number decline, so sixty-one percent of Americans in the 1970s were in that middle class definition by economist terms. Now it's about fifty percent, so we have seen it shrunk. But even though it's shrunk, fewer and fewer households feel like they're in the middle class, and they don't define it by necessarily income or a specific number, but they really define it by milestones, I would say.So do you own a home? Have you been able to build a family, and can you pay for childcare? Have you saved enough for retirement? Do you have an emergency fund? Are you constantly stressed about your bills? That feeling is really what the middle class is about today, and I would say that less than fifty percent of Americans actually feel like they're in the middle class once you start to put that definition around it.Heather Berger: What are the key factors that actually make a household feel financially secure?Sarah Wolfe: I think there's four things that determine household security and stability. The first, of course, is income, stable income. Do you have a job, and do you think you're going to continue to have a job six months from now? We love the University of Michigan Consumer Sentiment survey that asks consumers this.Do you have affordable fixed costs, like housing, childcare, healthcare, and transportation? Do you own assets? This is critically important because if we look at where gains have come from from the last five years, it hasn't really been that much through the labor income channel. It's been through the asset channel, like home equity, retirement savings, are you invested in the stock market, et cetera.And then the last one is this emergency fund and a manageable debt. What is your debt load? Is it fixed rate, or is it revolving? The more of these pillars that a household has, the more financially fulfilled and comfortable they are, and the more likely they are to feel like they've made it to the middle class, but the reality is, is that fewer and fewer households are meeting these four boxes that define the middle class by historical terms.Heather Berger: And what has made that security harder to achieve? Which of those costs that you mentioned have moved the furthest out of reach?Sarah Wolfe: I think these numbers are going to maybe surprise our listeners, but in some ways feel very real to them as well. So if we look at how much inflation has risen since the 1970s, shelter, the cost of housing, has risen 6.6 times more than the overall inflation basket. Childcare costs have risen by 14 times more than the overall inflation basket, and healthcare costs have risen 10 times more.And if we dig more into childcare, we now like to call it the second mortgage. And we're not being sarcastic or anything. The reality is that to send two children to childcare in America costs more than a mortgage in 45 states, and costs more than rent in 49 states.So it's really, this reality has gotten a lot more expensive, and these baskets, these individual things like childcare, healthcare, shelter, that define the middle class, have risen more than the overall inflation basket, and certainly have risen more than income growth over this period as well.Heather Berger: Right. So the overall inflation measure can kind of understate the increases in some of these essential costs. And when people talk about a K-shaped economy, the middle class itself isn't necessarily moving as one group. You mentioned homeownership a lot. How much do homeownership, age, and geography determine who is moving up and who is getting squeezed?Sarah Wolfe: Homeownership is always incredibly important, right? Because it's this large asset that is more equally distributed across the income distribution, as opposed to if we think about equities, and you've done a lot of great work on this. That is the most highly concentrated asset across the income distribution, right? Where the top 20% is sitting on 70%, at least, of equities. So homeownership remains the best channel towards wealth accumulation. Obviously, though, timing of homeownership matters a lot. If we were all so lucky to have bought a home in 2019 and 2020, we got a low fixed-rate mortgage, and we would've benefited from the tremendous run-up in home prices over the last five years, right, over 50% home price appreciation over this entire period. So that's been really important. Also, geography, where you bought a home, did that benefit from the COVID home price appreciation? And then the geography also matters because someone living in New York versus someone living in the Midwest is living with really different fixed costs, realities of fixed costs, and that's also gonna help define do they feel financially secure, and do they feel like they're in the middle class?The other component I don't wanna leave out, though, equities is really important. And we did some work looking at the Fed's distributional financial accounts, and if you look seven years ago, Gen X was doing way better than Gen Y or the millennials were at that same age 15 years ago. But then, because the millennials were sitting on so much equity wealth because they've built up their 401Ks, they really couldn't get as successfully into homeownership, so they had more stored away in equities. They have now surpassed Gen X at this age, two and a half times. It is a tremendous reversal in wealth and in who's doing well, and it's because of what's happened in the stock market. And it's not because they were better savers. It was just a lot of timing and luck. So I would say that our fate is not prewritten, as we also think about Gen Z entering the workforce and becoming wealth builders.I want to dig in, though, to a really important part of the K-shaped economy, though, and that's AI. We can't talk about anything without talking about AI, for better or for worse. And that the common view is that white collar, high-income workers are the most exposed to displacement, and we're seeing that in some of the job numbers recently, right, where tech and financial services are shedding jobs. But your work, I think, is really unique, and it's the only thing I've seen on this that argues that that's only part of the story. So what are we missing about how AI is going to affect high-income households in the K-shaped economy?Heather Berger: Yes. Yeah, I think it's hard to talk about the economic outlook, the consumer outlook these days without thinking about AI. And as you mentioned, I think really the main focus so far has been potential white collar job loss, and this, of course, is an important channel. Labor income is really the main driver of consumer spending. But there are also several other transmission channels through which AI will affect consumer balance sheets.And so ultimately, you were just talking about equity wealth, AI will also affect asset markets, which we've already started to see. It will affect consumer prices and policy decisions, and each of these will flow through to consumer spending and consumer credit performance. And so since different subgroups of consumers differ in the types of goods and services they buy and the composition of their balance sheets, the effects will not be uniform across the spectrum.As we've seen with past innovation waves, AI has the ability to potentially widen income and wealth inequality, or it could help to close the gaps.Sarah Wolfe: Can you dig a little bit more into some of these other channels outside of the labor market? So what is the wealth channel, and how does it filter through to high-income households? And then what also is the inflation channel that we should be looking at?Heather Berger: Sure. So the wealth channel is really important for high income consumers because they have equity wealth that is very elevated relative to their labor income. So for that top twenty percent cohort, their equity wealth is around six times their annual labor income. Whereas for the lower income groups, they're about in line with each other.And so even if the marginal propensity to consume out of income is higher than that out of wealth, for this high income group, asset markets are still a really important driver of spending. Now, for lower income groups and really across the spectrum, of course, inflation will be important as well and will really help determine purchasing power.When we think about the price channel, we're really thinking in two phases. The first is that in the near term, AI could potentially create price pressures. So if we look at areas like electricity and software, we've already started to see that the demand from AI has led to increases in these prices. But over the longer term, we are expecting that eventually AI will lead to productivity gains, and therefore could lead to disinflation.Sarah Wolfe: In which categories are we expected to see disinflation, and who does that benefit?Heather Berger: So we're really first expecting to see it in the industries that have higher adoption rates. And so far those have been industries like financial services, tech. And so if we think about these services categories of spending, they really make up larger shares for the high income group, the older group. And so we do think they will benefit first from that disinflation channel.Sarah Wolfe: I think if I sum up some of the key takeaways, it seems that the balance sheet is more important than income, and it's going to continue to be so. If you look at the top 1% wealth percentile, they're holding 70 times more wealth than the median wealth group, and that used to be 33 times in 1963, right? So that gap between those in the middle versus those at the top has widened, and this dynamic with AI is only probably going to continue to widen that gap, making people feel less and less secure about their finances, making it feel harder to be in the middle class, and in particular, making it feel unattainable to reach the next class, right, because that gap is so large. And so we'll be watching as a lot of these dynamics play out.Heather Berger: Right. So asset markets will be just as important as labor markets in figuring out how the K-shape economy will evolve.Sarah, thanks for taking the time to talk.Sarah Wolfe: Great speaking with you, Heather.Heather Berger: And thanks for listening. If you enjoy "Thoughts on the Market," please leave us a review wherever you listen and share the podcast with a friend or colleague today.

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"But remember, you only lose money if you sell."   This episode breaks down growing concerns from Mark Zuckerberg, Michael Burry, and an internal White House report that AI stocks may be entering bubble territory, and why that matters directly to anyone with a 401k or IRA. He shows just how concentrated most retirement accounts already are in a handful of AI linked tech stocks.   Jaspreet Singh compares today's market to the 2000 dot-com bubble using measures like market concentration, tech sector share, the Buffett indicator, and index fund dominance, while pointing out key differences like real company profits and the risk of circular financing among AI companies. He closes by explaining how long-term investors should think about market downturns instead of panicking.   In this episode, you'll learn: How much of a typical S&P 500 or target date fund investment goes into Nvidia, Apple, Alphabet, Microsoft, and Amazon Four ways today's market resembles the 2000 dot-com bubble: concentration, tech sector weight, the Buffett indicator, and index fund dominance What circular financing among AI companies means and why it raises risk Two key differences between the dot-com era and today, including real revenue and profits versus story based valuations Why the US-China AI race and competition over the dollar are driving continued investment into AI Why you only lose money in a downturn if you sell, and how past market crashes created major buying opportunities The ABB (Always Be Buying) approach to investing through bubbles and downturns instead of panic selling Why a long-term investor with years ahead of them can treat an AI pullback differently than someone near retirement   Keywords: AI bubble, 401k, S&P 500 concentration, index funds, dot-com bubble, circular financing, target date funds, US China AI race, long-term investing, market crash   Register for my investing Workshop & get Market Briefs as a bonus: Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Should you max out your 401(k)? If you're making good money, already saving consistently, and have extra cash flow, it can feel like the obvious next step. But maxing out your 401(k) is not automatically the best financial decision — especially if most of your money is tied up in retirement accounts and you want more flexibility before age 65. In this episode of She's Talkin' Money, I'm breaking down how I actually think through this question with clients. We'll talk about when employer matching matters, where Roth accounts fit in, why liquidity deserves more attention, and why a taxable brokerage account may sometimes make more sense than immediately increasing your 401(k) contribution. I'm also challenging one of the most common pieces of retirement advice: that if you're not maxing out your 401(k), you're somehow falling behind. Because the goal isn't to hit an arbitrary contribution limit. The goal is to build a financial life that gives you options. We'll cover: what I want to know before telling someone to increase their 401(k) the order I typically think about saving and investing why Roth money can be such a powerful part of your plan the difference between an emergency fund and what I call a “freedom fund” why net worth and financial flexibility are not the same thing when the tax deduction from a traditional 401(k) is actually worth prioritizing and when maxing out your 401(k) may make perfect sense If you're in your 40s, earning well, and starting to wonder whether you really want to work the same way until traditional retirement age, this episode is for you. Don't make yourself retirement rich and life poor. Be sure to share this episode with a friend! Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. This podcast is for educational purposes only and is not personalized investment, tax, or legal advice. Nothing discussed should be considered a recommendation, and listening does not create an advisory relationship. Investing involves risk, including possible loss of principal. Please consult your own financial, tax, or legal professional before making decisions based on your individual circumstances. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this mailbag edition of Check Your Balances, Ross and Dan tackle three distinct listener questions:Traditional vs. Roth 401(k): Is it worth switching to Roth if higher taxes mean you can't max out your total savings?Roth Withdrawals for Education: The rules, tax traps, and penalty exceptions for using Roth funds to pay for college or grad school.Back to School Recap: What you thought of our Back to School 101 foundational refresher, plus listener takes on high-level strategy vs. financial basics.Send us your questions to be featured on an upcoming show!Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Could the type of accounts you save in today have a major impact on your retirement taxes tomorrow? In this episode of Charleston’s Retirement Coach, Brandon Bowen explains the differences between tax-deferred, taxable, and tax-free accounts and why having a mix of all three may provide more flexibility in retirement. He discusses common challenges retirees face when most of their savings are concentrated in one account type, along with strategies for managing withdrawals, evaluating Roth opportunities, and creating a tax-aware retirement income plan. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the years after your kids leave home are the most important years for your retirement plan? As families transition into the empty nest stage, Mike Canet and Ryan Herbert discuss why ages 50 to 60 can be a pivotal time for retirement preparation. They cover catch-up contributions, evaluating whether you're on track for retirement, understanding income needs, tax planning strategies, and the value of having a written plan instead of relying on guesswork. The conversation also explores common retirement planning mistakes and why waiting until the last minute can limit your options. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Big changes are coming to So Money in 2027. Farnoosh opens the episode with an early preview of what's ahead, including a more video-forward format and a sharper focus on the intersection of midlife and money — the season when careers, kids, aging parents, health, relationships and financial priorities are all shifting at once.She also reflects on the life and legacy of Gloria Steinem, who died this week at 92, and shares a personal story about once finding herself just a few seats away from Steinem on an Amtrak train — and regretting that she never worked up the courage to say hello.Then, Farnoosh looks at the latest jobs report and weighs in on a debate sparked by Armchair Expert: If one adult child becomes wealthy while another struggles financially, should parents leave them different amounts in their will? Farnoosh shares why she leans toward equal inheritances, with thoughtful exceptions for significant needs.In the Ask Farnoosh mailbag: Jay in Denver recently got married and wants to know how he should rethink his life insurance as he plans for children. Tamara in Los Angeles inherited her mother's 401(k) and wants to understand her options for transferring, investing and eventually withdrawing the money. And a listener who was recently laid off asks whether COBRA is worth the cost or if shopping for coverage on the health insurance marketplace could be a better move.Plus, Farnoosh shares resources on Trump Accounts and explains why major life changes are often the right time to revisit your entire financial plan.Gloria Steinem — NYT never-before-seen 2008 interview: Watch the New York Times video. The Times released the previously unseen interview on September 3. Trump Accounts — July 10, Episode 2007: Ask Farnoosh: Should I Open a Trump Account? Trump Accounts — August 14, Episode 2022: Trump Account Updates, Money-Maxxing and Stay-at-Home BoyfriendsRobin Wigglesworth — Episode 2029: The Bond Market Explained: What It Means For Your MoneyJoseph Moore — Episode 2030: How to Get Rich: 300 Years of Money LessonsLearn more about Farnoosh's upcoming literary workshop Book to Brand. Early bird registration is now open! Hosted on Acast. See acast.com/privacy for more information.

Should retirement spending pass through a Roth? Can a nonprofit offer a 401(k) with ETFs? Does active management really win overseas? Don works through a packed listener-question episode covering Roth conversions, retirement-plan rollovers, SPIVA versus Morningstar, Treasuries and CDs, dividend reinvestment in retirement, and whether a variable universal life policy still earns its keep.Want more Money Music? Hear extended versions from Don's fictional AI band, The Financial Fysicist, on Apple Music: https://music.apple.com/us/album/let-the-boring-money-in/6805953759 or Spotify: https://open.spotify.com/album/0G06JEvGsyw6SISfAOxLt6?si=ah2uVVWuQwmxTqjBeta8AQQuestions? Comments? Click!

Episode 658: A big 401(k) is worth celebrating, but taxes can take a surprising bite. Ryan and Matthew discuss ways to keep more of what you worked so hard to save. Then, learn four smart steps for handling a windfall wisely.

We live in an increasingly frictionless world, with automatic bill payments and 401(k) contributions, but too few people apply this strategy to their emergency savings, and the result has been an increased rate of early retirement distributions for unforeseen expenses. Donna discusses the prevailing problem of 401(k) leakage, and how automating your savings can help you avoid it. Also on MoneyTalk, the benefits of a trust, and how to know if you need long-term care insurance. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 8/31/2026; Original Air Dates: 8/18/2025, 4/22/2024 & 4/3/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Ary Rosenbaum talks about one of his favorite topics, employee turnover at plan providers.

Ian Bagg, Jeff Sharples, and Daren Millard are back together! From NHL salaries and the exploding salary cap to the battle for the Pacific Division, this episode dives into the biggest questions facing hockey… while somehow finding time to talk about dogs barking, marriage proposals on the ice, 401K plans, and personal hockey gear! The guys debate whether rising NHL salaries will create more separation between the haves and have-nots, and they break down the Pacific Division, taking a closer look at the regular season for Vegas, Edmonton, Anaheim, San Jose, Los Angeles, Seattle, Vancouver, and Calgary. Millard brings the hockey knowledge, Jeff brings the coaching perspective, and Ian… well, Ian brings Ian.

Think you're on track to max out your 401(k) this year? The answer may be more complicated than you think. New rules took effect in 2026, requiring certain higher-income workers to make their catch-up contributions as Roth contributions. But employers and retirement plan providers aren't all handling the process exactly the same way. In this episode, Tyler Emrick, CFA®, CFP®, explains what changed and why this is a good year to take a closer look at your employer retirement plan before year-end. In this episode, Tyler covers: The 2026 401(k) contribution and catch-up limits. Who is affected by the new mandatory Roth catch-up rule. Why different employer plans may handle catch-up contributions differently. How to determine whether you're actually on pace to maximize your contributions. Why employer matching and true-up provisions should be part of the calculation. How after-tax 401(k) contributions can allow some employees to save substantially more. How after-tax contributions may be converted to Roth through a Mega Backdoor Roth strategy. Why your employer retirement plan deserves an annual checkup.   Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth

An 11.15% coupon sounds irresistible—until you read the trapdoors. Don and Tom unpack a listener's BNP Paribas auto-callable structured note and ask the question Wall Street hopes nobody asks: what actually has to happen before you get paid?The answer includes contingent coupons, the worst-performing of three indexes, a five-year lockup, bank credit risk, and a cliff where a 41% market loss can become your 41% loss. Add a 1.5% advisory fee, and this complicated promise fails the show's favorite tests: simplicity, transparency, and liquidity.Then the phones open for retirement-planning software, a 19-year spousal age gap, fears about Japan dumping Treasuries, an Irish financial jingle, and the difference between a mega backdoor Roth and an ordinary backdoor Roth.1:05 — The structured note pitch: 11.15% with fine print4:03 — Contingent coupons and the worst-of-three rule6:50 — The 40% buffer cliff and five-year lockup9:34 — Simplicity, transparency, and liquidity fail11:50 — How big is the structured-note market?13:20 — The Financial Fysics album makes its debut15:35 — DIY retirement-planning tools and a big age gap21:56 — Could Japan dump a trillion dollars of Treasuries?25:16 — Compound interest meets an Irish pub27:26 — 401(k), mega backdoor Roth, and contribution limitsWant more Money Music? Hear extended versions from Don's fictional AI band, The Financial Fysicist, on Apple Music: https://music.apple.com/us/album/let-the-boring-money-in/6805953759 or Spotify: https://open.spotify.com/album/0G06JEvGsyw6SISfAOxLt6?si=ah2uVVWuQwmxTqjBeta8AQQuestions? Comments? Click!

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ What if your retirement account could invest in real estate instead of being limited to traditional stocks and funds?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum explores how self-directed retirement accounts can give investors greater control over where their retirement capital is deployed. The conversation covers Self-Directed IRAs, Solo 401(k)s, checkbook control, rental property investing, Roth strategies, prohibited transactions, and more.You'll also learn an important distinction many investors misunderstand: when retirement funds purchase real estate, the retirement plan owns the property, receives the rental income, and pays the associated expenses rather than the individual investor personally.⏱️ Episode Highlights0:08 – Introduction & real estate investing background5:56 – What Sense Financial does6:20 – Checkbook IRA & Solo 401(k) explained7:38 – Investing retirement funds into real estate9:08 – How a retirement account actually buys property11:22 – Prohibited transactions & disqualified parties13:12 – Solo 401(k) requirements and contribution strategies14:06 – Mega Backdoor Roth strategy15:11 – Roth conversions using real estate17:04 – Finding the right experts to implement your strategy18:20 – The danger of leaving retirement capital sitting idle19:03 – Investing in what you know and understand20:39 – Why it may not be too late to start investingThe episode also discusses how self-direction can allow investors to allocate retirement capital toward investments they understand and control, including rental properties, private lending, syndications, and other permitted alternative assets.

A lot of questionable advice about 401(k)s has been making the rounds lately, and Paul and Evan break down where some of it goes wrong. They explain how your workplace retirement plan is an important part of your overall strategy — and why blindly following the latest Roth conversion craze can create problems that aren't easy to see. Listen along as they explain how confident investors coordinate their 401(k)s with a broader plan, rather than ignoring it or trying to make it do all the work.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

This episode is sponsored by…NCH:Set up an LLC to protect your investments! – https://nchinc.com/rtrBLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at - https://bluprinthomeloans.com/renttoretirement/ What if your retirement account could invest in real estate instead of being limited to traditional stocks and funds?In this episode of the Rent To Retirement Podcast, host Matthew Seyoum explores how self-directed retirement accounts can give investors greater control over where their retirement capital is deployed. The conversation covers Self-Directed IRAs, Solo 401(k)s, checkbook control, rental property investing, Roth strategies, prohibited transactions, and more.You'll also learn an important distinction many investors misunderstand: when retirement funds purchase real estate, the retirement plan owns the property, receives the rental income, and pays the associated expenses rather than the individual investor personally.⏱️ Episode Highlights0:08 – Introduction & real estate investing background5:56 – What Sense Financial does6:20 – Checkbook IRA & Solo 401(k) explained7:38 – Investing retirement funds into real estate9:08 – How a retirement account actually buys property11:22 – Prohibited transactions & disqualified parties13:12 – Solo 401(k) requirements and contribution strategies14:06 – Mega Backdoor Roth strategy15:11 – Roth conversions using real estate17:04 – Finding the right experts to implement your strategy18:20 – The danger of leaving retirement capital sitting idle19:03 – Investing in what you know and understand20:39 – Why it may not be too late to start investingThe episode also discusses how self-direction can allow investors to allocate retirement capital toward investments they understand and control, including rental properties, private lending, syndications, and other permitted alternative assets.

Barry James Dyke the Bestselling author of, The Pirates of Manhattan warns about the incoming threat of private equity coming for your retirement savings, including your 401k and IRA. Barry walks Caleb Guilliams through the evidence and past behavior of the largest Wall Street corporations in order to control more of your money's liquidity. Watch the Interview on Youtube for Visuals - https://youtu.be/xUZiCgRKJ3oLearn More About About Barry's Work: https://www.barryjamesdyke.com Want to See If Whole Life Insurance Can Improve Your Financial Plan? Schedule Your Clarity Call Here: https://bttr.ly/bw-yt-aa-clarity Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review Want Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 0:00 - Introduction to the Retirement Crisis 1:28 - Critiquing Wall Street & BlackRock 7:06 - The Dangers of Private Equity in 401(k)s 12:56 - Solutions & Financial Fundamentals 16:02 - Reviewing Barry James Dyke's Books 21:42 - Why Do You Do This? 22:20 - Barry Get's Emotional 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.

On the Uplevel Dairy Podcast, Pauly Paul of Complete Management Consulting discusses why many dairy transition plans fail financially even after legal ownership is transferred. As retiring owners depend on the farm as their “401(k)” through monthly, annual, or lump-sum buyouts, the same dairy must also support the next generation's management, added labor layers, and new debt, often amid tight cash flow from low milk prices and weak cropping margins.Pauly describes cases where payroll spikes from added middle management, outside partners gain cattle equity and can destabilize herd size, and families refinance and roll growing lines of credit into the farm, eroding equity and jeopardizing retiree payments. Key recommendations include knowing the financials, keeping retirees engaged through regular reviews, using objective third-party oversight, and holding quarterly multi-generation meetings to determine whether the business is building or consuming equity.This Episode is brought to you by Complete Management ConsultingLearn more about Complete Management Consulting at:www.CompleteManagementConsulting.com⁠⁠completemanagementconsulting@gmail.com⁠920-418-313500:00 Can the Farm Afford It01:00 When Transitions Fail02:23 Farm as Retirement Plan03:33 Payroll and Debt Spiral06:40 Why Calls Are Rising09:22 Outside Equity Risks12:51 Third Party Oversight17:17 Know Your Numbers Now19:25 Plan Ahead at 55

Sarah and Kelli discuss Season 11, Episode 13 of Below Deck Med. Topics include: Max's departure, continued Joe and Nathan conflict, Santa Claus, No More Tangles, staying on the dock, Jeff = No Fun, a fashion show, sink plunging, a Cartier necklace, crepes, and preview thoughts. We talk to author Erica Hendry about her new book: Let's Not Go Overboard Here. In Hot Tub Convo we discuss online Med spoilers (without spoiling anything!), Alex Propson's new haircut and Coop's sister making cheesecake for the watch party. Get into your whites - a new episode of Above Deck is out now! Follow us on Instagram: @abovedeckpod   Get in touch: abovedeckpod@gmail.com Get ya some Above Deck MERCH! hurrdatmedia.hurrdatbrandgoods.com/page/above-deck Bonus episodes on Patreon: patreon.com/cw/AboveDeckPodcast Thank you to Silipint for sponsoring this episode. Go to Silipint.com and use code ABOVEDECK for 15% off. Please subscribe on Apple Podcasts, Spotify or wherever you get your podcasts, and tell a friend!  Resources: ericahendrybooks.com/ instagram.com/ericawroteit/ instagram.com/whippedbyhaley/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel! Learn more about your ad choices. Visit megaphone.fm/adchoices

No euphoria in this marketHousing repricing? Median prices dropping.Oil...probably see a bit of a move up here.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-care-for-my-wealth-show--2487688/support.

credit spreads saying everything is okUS Dollar still in a downward bias confirming everything is still okKOSPI - South Korea - telling us that demand is still good.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-care-for-my-wealth-show--2487688/support.

Every Monday, Jon Hansen is joined by a specialist from Mesirow to discuss a different finance-related topic. In this episode, Andrew Mutlu, CFP, APMA, Vice President and Wealth Advisor, joins Jon to talk about a Roth 401(k) at work vs a pre-tax 401(k). From percentage matching to income limits, Andrew shares how to make the […]

Today, Paul brings an article warning investors not to get stuck with a 401(k) that's “too big” without a tax plan. Paul rebuts the claim that most people don't struggle with having saved too much in their 401(k), but agrees that putting all your eggs in one tax basket can be a problem when you haven't thought through what your current tax bracket is and what it may be when you retire. Listen along as the Investor Coach explains tax diversification and why having a combination of 401(k), Roth IRAs, and non-qualified accounts can give you more options in a future where no one knows what the tax laws will be.      Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then you haven't been listening! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won't be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 8/25/2026; Original Air Date: 8/11/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Dr. Wilner would love your feedback! Click here to send a text! Thanks!Many thanks to Ross Powell, Founder of Survival 401k. After leaving the Navy, Ross worked for many years in the financial and insurance industries. About 12 years ago, he founded Survival401k, where he helps self-employed individuals create and manage a 401k. Traditionally considered a retirement vehicle for stocks and bonds, a 401k can also be used for investing in real estate, other nonconventional investments, and asset protection. One can even take a loan from one's own 401k!During our 30-minute program, Ross shared his financial experience and insights. Although he is not a certified public accountant (CPA) or certified financial planner (CFP), Ross knows the 401k vehicle inside and out.To contact Ross, go to his website: https://www.survival401k.com/Or his personal cell: 210.639.7227PS: If you mention you heard Ross on The Art of Medicine, you'll earn a $100 discount on his services.Please click "Fanmail" and share your feedback!If you enjoy an episode, please share with friends and colleagues. "The Art of Medicine with Dr. Andrew Wilner" is now available on Alexa! Just say, "Play podcast The Art of Medicine with Dr. Andrew Wilner!" To never miss a program, subscribe at www.andrewwilner.com. Follow me on Instagram: @seaphoto2025X: @drwilnerlinkedin.com/in/drwilner Please rate and review each episode. To contact Dr. Wilner or to join the mailing list: www.andrewwilner.com. Thanks for listening!@uthsc @drwilner @chg @yaleu  #theartofmedicinewithdrandrewwilner @amazonmusic @medscape  #podcastsonamazonmusic

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Jake, and Rabih break down what rising national debt could mean for the economy and your portfolio, explain why 401(k)s can be one of the most powerful & overlooked tools for building wealth. Finally, they explore the cultural and economic factors driving the rise in hobby spending. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Becoming a 401(k) millionaire can require decades of hard work and sacrifice. Previously, a seven-figure nest egg shined as the gold standard among retirement planners. But the shine has dulled as a portfolio of that size no longer guarantees the same security. What steps should you take to protect your savings and avoid going broke in retirement? Sheryl Rowling has a list of tips. The certified public accountant is the editorial director of financial advice for Morningstar. Your 7-Figure Retirement Fund Might Not Stretch As Far As You Think. Here's How to Change That On this episode: 00:00:00 Welcome 00:01:20 Why seven-figure retirement portfolios need extra planning finesse 00:01:58 Why the retirement-to-RMD window matters 00:03:40 How taxpayers can approach the new SALT deduction 00:04:50 Building a cash bucket for market downturns 00:06:15 Retirement money missteps worth avoiding 00:09:41 Shifting asset allocation and key takeaways Watch more from Morningstar: New ETFs Are Launching Fast. Proceed With Caution Why Playing It Safe in Retirement Can BackfireWhy Do Active Funds Lag Even With Winning Picks? Follow Morningstar on social: Facebook: https://www.facebook.com/MorningstarInc/ X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/ LinkedIn: https://www.linkedin.com/company/morningstar/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

"Retirement investing and general investing are not the same thing, even though most of us use the words interchangeably. A Roth IRA and a 401k get you started, but they only cover one branch of a much bigger system — the money you'll need for health expenses, your kids' future, and the goals that hit before retirement, like a house down payment, a sabbatical, or supporting your parents.This episode breaks down the four branches of investing: retirement, health (HSA), kids (529s, custodial accounts), and general/midterm investing through a brokerage account — plus why the taxes on a brokerage account are actually working in your favor, not against you.✅ Why retirement investing doesn't have to feel until your 40s or 50s✅ How a brokerage account funds midterm goals (house down payment, sabbaticals, supporting your parents) without touching your retirement accounts✅ The tax hack that comes with investing in a brokerage accountLet's stay connected: Website: www.buildinggenwealth.com Instagram: @building.gen.wealth Learn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

Episode 365 of the Independent Advisors Podcast. Aaron Cramer and Nick Whitaker cover a lot of ground this week, including the bond market, Treasury yields, and the Treasury Department's decision to double its bond buyback program after 30-year yields hit their highest level since 2007.Also covered: why more companies raising guidance than lowering it is a bullish signal, how 2026 compares to past midterm election years, and whether the "US debt crisis" headlines are overblown.Plus, a look back at the history of the 401(k), including how stock ownership among Americans has grown from less than 20% in 1983 to over 60% today, and proposed IRS and Treasury guidance that could modernize retirement account rollovers.If you've been enjoying The Independent Advisors podcast for a while now and want to take the next step in your financial journey, I'd encourage you to head to our website, jessupwealthmanagement.com. Matt offers a 15-minute initial call where you can discuss your financial goals and see if JWM is a good fit for your needs.Scheduling is easy, once you land at jessupwealthmanagement.com just click "Schedule Initial Call" and select a time that works best for you! There's a quick survey to fill out that will help guide the conversation and ensure your time is used efficiently.If you're ready to learn more, visit jessupwealthmanagement.com and book your call today!Blog Post from Charlie Vilello on August 18th - https://bilello.blog/2026/the-week-in-charts-8-18-26Post on X from Ben Carlson on August 19th - https://x.com/awealthofcs/status/2090190352745447726?s=12&t=Godkt5FzuqWcmpmvo2G5JgPost on X from Astra Insights on August 13th - https://x.com/AstraInsights/status/2087985036348059822?s=20Saving for RetirementThe Thrift Savings Plan

With the United States' national debt now topping $40 trillion, Peter and Charlie discuss how we got here, whether we can grow our way out of it, what an actual debt crisis would look like and more. Plus, get their take on whether a U.S. debt crisis is a signal or just noise.

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

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

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

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

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