Podcasts about 401k

This week, Farnoosh answers listener questions about rolling over an old 401(k), managing $100,000 in savings for a 68-year-old on Social Security, and how couples should discuss and merge finances. She highlights a New York Times story on how weak job markets can scar young graduates long-term and a piece in the Wall Street Journal about “Trump accounts,” including unclear eligibility rules and potential state tax differences versus 529 plans, advising caution until IRS guidance arrives. Learn more about her October 9 Book to Brand event. 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.

1.) Culprit - no culprit, no top2.) Oil - Dumb money is betting hard against oil3.) CPI - decelerations

One of the primary goals of estate planning is minimizing overall tax burden, and when dealing with large estates, the small details can make all the difference. Donna discusses one particular aspect of inheritance planning: the difference between using date of death vs alternate valuation date. Also on MoneyTalk, deciding whether to rollover your 401K, and planning for your first year of retirement. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/8/2026; Original Air Dates: 1/8/2024 & 11/10/2025. 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.

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Oil - Not like 2008, 2022Top - Not seeing typical ingredients to a major market topBubble - Not in equities, but in soverign debt issuance

Bob talks about the new rules and regulations for index funds that would allow a company with no profits and limited time in business to be an investment in a 401(k) plan.

What if the stock market isn’t telling you the full story about your retirement? In this episode, Ryan Herbert breaks down why market headlines and economic signals can feel disconnected and why relying on them alone may create unnecessary stress. They revisit past market cycles to illustrate how volatility can affect withdrawals and long-term outcomes, especially early in retirement. The conversation shifts to a more practical focus: understanding your monthly income needs, identifying reliable income sources, and evaluating how much risk you’re comfortable carrying. Instead of reacting to daily market noise, the discussion centers on building a plan designed around consistent income and personal spending needs in retirement. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

What if the biggest retirement risk isn’t running out of money—but running out of income? Steve Hoyl breaks down why Social Security was never meant to stand alone and how today’s shift from pensions to 401(k)s has changed the retirement landscape. They explore building a written income plan, managing taxes, and creating predictable monthly income while addressing inflation, healthcare costs, and emergency reserves. The conversation highlights why focusing on income—not just growth—can reshape how you approach retirement planning. Get Your Complimentary Retirement Analysis Social Media: Facebook | XSee omnystudio.com/listener for privacy information.

What if your retirement plan isn’t built to replace your paycheck? This episode breaks down why 401(k)s alone may fall short and how retirement really comes down to creating reliable income. Steve Anzuoni explains the gap between expectations and reality, the risks of relying on hypothetical projections, and why income planning—not just saving—is critical. From Social Security timing to building a personal “pension,” the conversation highlights how to approach retirement with clearer expectations and a focus on sustainable monthly cash flow. SCHEDULE A MEETING OR PHONE CONSULTATION TODAY! Get a Copy of Steve's Book - Tee Up Your Retirement! Social Media: Facebook I LinkedIn I Instagram I YouTube See omnystudio.com/listener for privacy information.

SpaceX is set to become one of the 10 biggest companies in the world when it goes public on Friday. The Atlantic's Matteo Wong explains why the record-breaking IPO is less about rockets and more about the AI race.Maine voters head to the polls Tuesday for a consequential primary race. ABC News reports on how some Democrats are worried their chosen candidate's past could cost them in November.America's largest pediatric hospital has agreed to create the country's first gender-detransition clinic as part of a settlement with the Texas attorney general. The Washington Post's Molly Hennessy-Fiske explains what that signals for transgender health care nationwide.Plus, Iran and Israel struck each other for the first time since the April ceasefire began, NBA Finals watch parties outside Madison Square Garden are banned in preparation for President Trump's visit to Game 3, and the furniture makers growing chairs out of trees. Today’s episode was hosted by Cecilia Lei.

Learn the complete 401k to Gold IRA rollover process, including direct rollover strategies, the critical 60-day rule, IRS purity standards, and how to sidestep penalties and tax traps that catch most investors off guard. Gold ETF Calculator City: Erie Address: 502 W 7th St, Ste 100 Website: https://goldetfcalculator.com Email: support@goldetfcalculator.com

Employee benefits continue to be a critical component of attracting and retaining talent. According to the Society for Human Resource Management (SHRM), 81% of employers consider both retirement savings and planning benefits and leave benefits to be either "very important" or "extremely important" offerings for their workforce. As organizations compete for talent, retirement plans remain one of the most valued benefits employers provide. In this episode of Let's Have This Conversation, I sit down with Alex Langan, ERISA attorney, Chief Investment Officer, author of the #1 bestselling book 401(k) Exposed, and founder of Langan Financial Group. Alex has built a reputation for challenging conventional wisdom surrounding employer-sponsored retirement plans. After serving as a Pennsylvania Supreme Court clerk and practicing ERISA law, he discovered what he believes is one of the most overlooked issues in corporate America: many employers unknowingly expose themselves to legal and fiduciary risks through the administration of their 401(k) plans. During our conversation, Alex explains why retirement plan providers may not always have incentives aligned with employers and employees, the fiduciary responsibilities many business owners and HR professionals inherit without formal training, and the steps organizations can take to better protect both themselves and their workforce. We also discuss: • Why retirement plans remain one of the most important employee benefits organizations offer • Common misconceptions employers have about fiduciary responsibility • The hidden costs and risks embedded in many 401(k) plans • How employees can become more informed retirement savers • What business owners, CFOs, and HR leaders should be asking their retirement plan providers • Why transparency and education are critical to improving retirement outcomes Alex also shares the philosophy behind Langan Financial Group, an independent financial planning firm focused on personalized guidance rather than product sales or quotas. Their approach centers on understanding each client's goals, challenges, and long-term financial objectives while delivering customized financial planning solutions supported by a dedicated team. Whether you're an HR professional, business owner, executive, or employee participating in a workplace retirement plan, this conversation offers valuable insights into a system that affects millions of Americans every day.   For more information: https://langanfinancialgroup.com/ Email: alex@langanfinancial.com   Learn more about your ad choices. Visit megaphone.fm/adchoices

Drew is joined by Jackson this week as they talk to callers and answer questions regarding tax filing, zero-fee index funds, Roth 401(k) rollovers and more! Download and enjoy!

They say that what separates investing from gambling is the availability of information to facilitate educated decision making, but what about the information a skilled Poker player reads on an opponent's face, or the limited information available for a start up company? Donna and Nathan discuss the gray area between gambling and investing, and why it's important to understand the difference. Also on MoneyTalk, bringing 401Ks into the 21st century, add Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 6/2/2026. 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.

#SafeMoney #JonHeischmanSr #SocialSecurityIncomeIn this week's episode, host Jon Heischman, Senior asks and answers the question, "is Social Security your missing link"; as part of your income retirement plan. Call Jon at (888) 426-0177 with questions, comments or to get a free copy of Top 10 IRA Mistakes and How to Avoid Tax Traps. Visit www.heischmanfs.com/ for additional information.

SEASON 1 FINALE: "The Words You Trust No Longer Mean What You Think." Name the last policy you cheered for that, examined coldly, made your life materially worse. Most people can't.  Not because those policies don't exist, but because the cheering and the examination happen in different rooms of your mind, and that house's architecture was not built by you.   This is the series one finale of The Polymathic Perspective. Dov Baron examines the forty-year project that has rewritten the meaning beneath the words ordinary people use to describe their lives.  The project is not hidden. It has been openly described in essays, books, and policy documents that anyone can read. The problem is that almost no one is looking.  In this episode:  Why your gut tightens when someone uses a word your tribe was taught to hate   Why a country can cheer for the dismantling of the institutions that keep its water safe, and feel righteous while doing it   Why the person on the other side of the political aisle from you is running the same program with different inputs   What a retainer is, and why your 401K may be one   The cognitive mechanism the architects have been counting on for forty years. This is not a partisan episode. Both sides are operating inside the same architecture.  The architects are counting on you to keep looking sideways at your neighbor instead of upward at the structure being built around both of you. .  Examined through #EmotionalMeaningArchitecture, #LinguisticCapture, #CultPsychology, #TribalBelonging, # SurveillanceCapitalism, and the #AttentionEconomy . ABOUT DOV BARON: Dov Baron has spent thirty years inside the rooms where leaders, founders, and executives make the decisions that shape organizations. His clients hire him for what he can see: the patterns that have become invisible to the people inside the system.   CONNECT WITH DOV Website: https://DovBaron.com Work with Dov: dov@dovbaron.com  LinkedIn:  Carry one question with you from this episode: Who built the part of you that cheers?  Sit with it. If it irritates you, don't dismiss it. It is data. If this episode resonated, please rate and review on Apple Podcasts and follow on Spotify. Series two begins soon. Share this episode with someone on your side of the aisle and someone on the other side. Both of them need it.  

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

Could your retirement last 40 years—and is your income ready for it? Kevin Madden breaks down the reality of longer lifespans and why consistent cash flow matters more than ever. From guaranteed income options and Social Security timing to the impact of inflation, taxes, and market changes, this episode explores how retirees can structure income to keep pace with an evolving financial landscape. Plus, insights on “spring cleaning” your portfolio, avoiding redundancy, and making smarter decisions with old 401(k)s and investment accounts. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

https://meliagroup.com/ira-management/Getting laid off close to retirement creates an income gap before Social Security kicks in. Understand severance strategies, health insurance options, bridge jobs, and 401K decisions that can make or break your pre-retirement years. Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Logic should tell you there may not be much growth left in Nvidia  Investing has become increasingly emotional for many people, and too often investors stop thinking logically. Could the popular company Nvidia continue climbing higher? Of course it could. But there are logical reasons to believe its future growth may be limited compared to what investors expect today.  First, consider the company's market capitalization. As the stock price rises, so does the market cap, which currently sits around $5.2 trillion, depending on the day. To put that number into perspective, $5 trillion is roughly equal to the entire GDP of Japan. With that amount of money, you could buy all the real estate in New York City, London, and Tokyo combined. You could also purchase every major sports franchise in the world several times over.  So investors should ask themselves: if you are buying or holding Nvidia today, are you expecting the company to double in value anytime soon to more than $10 trillion? Does that really seem realistic?  Over the last year, Nvidia generated approximately $216 billion in revenue, which is nearly half the size of the entire U.S. consumer technology industry, estimated at $537 billion in 2025. The company's revenue grew by about 65% year over year. If Nvidia were to repeat that same 65% growth rate in 2026, revenue would increase by roughly $140 billion, bringing total annual sales to around $356 billion.  To understand how massive that growth would be, only about 25 companies in the entire S&P 500 generate more than $140 billion in annual revenue. In other words, Nvidia would need to add more revenue in a single year than 95% of S&P 500 companies produce in total annual sales.  None of this means Nvidia is a bad company. In fact, it is an exceptional company doing extraordinary things. However, wherever enormous profits exist, competition inevitably follows. We are already hearing about major technology companies developing their own AI chips, while startups and rival semiconductor firms continue introducing competing products that could eventually take market share from Nvidia.  Does that mean Nvidia is going to crash? Probably not. Could it happen? Anything is possible in the market. But for long-term investors, the bigger concern may be that future revenue growth simply cannot continue at the pace investors have become accustomed to. If growth slows meaningfully, the stock could experience years of stagnation or disappointing returns. That is the logical case investors should at least consider.     The Consumer Isn't Breaking, it's Quietly Running Out of Cushion  The recent economic data showed that inflation came in line with expectations and much of the shift can likely be attributed to higher energy prices. A bigger concern to keep an eye on is what's happening to household finances underneath the surface.  April core PCE, the Fed's preferred inflation gauge, came in at 3.3% year-over-year, exactly in line with expectations. This was the highest annual level since November 2023.  At this point, inflation still doesn't appear to be a crisis story. If energy prices can decline, I believe much of the recent increase in inflation would dissipate and we'd head closer to the Fed's 2% target.   While I'd say inflation isn't a major concern currently, the data suggests consumers are increasingly stretched financially.  The clearest warning sign is the savings rate. The U.S. personal savings rate fell to just 2.6%, one of the lowest levels seen outside of the immediate Covid reopening period in 2022. The April reading was down from 3.2% in March and 5.8% a year prior. It also marked the lowest savings rate since June 2022 when it hit 2.2%. For perspective, Americans saved about 5-7% from 2010 to the beginning of 2020.   That gap matters. It suggests consumers are continuing to spend, but they're doing it with far less financial cushion than they historically had. Spending resilience is increasingly being supported by depleted savings, rising debt usage, and retirement account borrowing rather than excess cash reserves.  Fidelity reported that 19.2% of workers now have an outstanding 401(k) loan, up from 18.8% a year ago. Meanwhile, hardship withdrawals across retirement plans continue to rise industrywide. Vanguard recently reported that 6% of account holders took hardship withdrawals in 2025, up from 4.8% the prior year and above pre-pandemic norms.  Retirement accounts are increasingly functioning as emergency liquidity for everyday expenses. Historically, 401(k)s were largely treated as long-term investment vehicles. Now they're becoming a financial backstop for consumers trying to maintain spending in a higher-rate environment.  This data continues to point towards the concerns around the K-shape economy. While debt levels remain in check, increased debt balances or more 401k withdrawals could create more longer-term consequences that we should be aware of.      The most important part of the SpaceX IPO may not be the valuation. It may be the mechanics behind the stock itself.  SpaceX has yet to declare the size of its IPO offering, but it will likely be a single-digit percentage of the company's total shares outstanding. That matters because float, not just valuation, can determines how violently a stock moves in the early months after an IPO. When demand is huge and supply is constrained, prices can disconnect from fundamentals quickly. If institutions, retail investors, and passive index funds are all competing for a tiny number of available shares, scarcity alone can drive a major rally independent of fundamentals. Nasdaq created a rule in May that shortened the waiting period for megacap stocks to be included in the Nasdaq 100 index to 15 trading days, which is down from as long as a year. There's also a proposal to shorten the waiting period for S&P 500 inclusion to six months from 12 months and there's speculation that could be implemented before the SpaceX IPO. If SpaceX is added rapidly to major indexes, passive funds and ETFs may become forced buyers while insiders gradually gain the ability to sell into strength. That creates a setup where institutional demand collides directly with controlled insider supply releases. The result could be extraordinary volatility in both directions.  The lock-up structure may be even more important than the float itself. SpaceX plans to allow certain shareholders to sell portions of their stock before the traditional 180-day lock-up expires. Restrictions usually apply to existing investors, employees, large institutional investors or people with access to privileged information. Under the proposed structure, some insiders could begin selling as early as after the company's first earnings report if performance targets are met. Up to 20% of the restricted shares may be sold shortly after the company releases its second-quarter earnings. Another 10% would be unlocked if the stock trades at least 30% above its IPO price. Additional tranches of 7% each are set to unlock at five intervals between 70 and 135 days after the listing, with a further 28% becoming available after a subsequent earnings report. Any remaining restricted shares would be eligible for sale after 180 days. Elon Musk, who holds 85.1% of the voting power and 12.3%  of the economic interest in Class A shares, agreed to a 366-day restriction.  Historically, unlock events have often been brutal. The Facebook IPO is probably the clearest example. Facebook had an IPO of $38 in May 2012 during one of the most hyped tech IPOs ever. Within three months, the stock had already fallen sharply, but the real pressure came from the lock-up expirations. In August 2012, Facebook's first major lock-up expiration released 270 million additional shares into the market increasing the publicly tradable share count by roughly 60%. The stock fell more than 6% that day and closed below $20, almost 48% below its IPO price. Interestingly, your returns in Meta/Facebook have been great and investors who bought the stock after its first day of trading are up close to 1,500%, but investors that bought six months later are up close to 2,500%.  Facebook isn't the only example. In fact, generally IPOs fizzle out shortly after the hype fades. Jay Ritter, a University of Florida professor, point out the 1,724 U.S. IPOs from 2011 through 2024 had an average first-day pop of 23%, but over the next three years, these stocks lagged behind the market by 25 percentage points. The trend is even more troubling for stocks that trade with a high premium. Since 1980, issuers with trailing annual sales of at least $100 million and a price-to-sales ratio above 40 have seen an average three-year drop of 45% from their first day's close.  The psychology behind lock-ups is simple. During the first few months after an IPO, the market is dealing with artificial scarcity. The available supply of stock is intentionally constrained while excitement and media attention are elevated. Once insiders are allowed to sell, the supply-demand balance changes immediately. What makes SpaceX interesting is that management appears to be trying to avoid a single catastrophic unlock day by spreading the selling pressure over time. In theory, that could reduce the probability of a massive one-day collapse like Facebook experienced. But it may also create a different environment where insider selling becomes a continuous overhang rather than one clean reset event.  The lesson from previous IPO cycles is that the first trade and the long-term investment outcome are rarely the same thing. Stocks with tiny floats and massive narratives can become detached from fundamentals very quickly. Eventually supply catches up.     Financial Planning: Match or Max Your 401(k)  Many people have heard the advice to contribute enough to their 401(k) to receive the company match, but stopping there can mean leaving one of the most powerful wealth-building tools underutilized. A 401(k) allows investments to grow tax-deferred or tax-free with traditional and Roth contributions, which can significantly improve long-term after-tax returns compared to other investment options. Critics often argue that 401(k) plans have failed to replace traditional pensions, but in many cases the problem is not the structure of the 401(k) itself, it is that people simply have not contributed enough or invested appropriately over time. Not everyone is going to become a real estate mogul, successful entrepreneur, or business owner, and that is perfectly okay. The 401(k) was designed to allow ordinary workers to build extraordinary retirement security through disciplined saving and investing over decades. With consistent contributions, proper investment allocation, and time, a well-funded 401(k) can generate retirement income that exceeds many traditional pension plans while also providing greater flexibility and ownership of the assets.     Companies Discussed: The Home Depot, Inc. (HD), Intuit Inc. (INTU), Ferrari N.V. (RACE) & MGM Resorts International (MGM) 

Most business owners underuse their retirement plans. That mistake can cost you thousands. In this episode, we break down the solo 401(k) strategy and how it helps you build wealth while reducing taxes. You'll learn how to maximize contributions, claim tax credits, and avoid common mistakes that wipe out savings. We also cover deadlines, contribution limits, and how to invest in real estate or other assets using your plan. This is clear, practical finance advice focused on tax strategies, wealth planning, and maximizing income. If you want better tax savings and more control over your future, this episode is a must. Listen now before you miss key deadlines.   Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Ary Rosenbaum talks about the marketing of Le Creuset and how you can make comparisons to running a 401(k) plan.

Your 401k says 25% average return — but your actual return could be zero. Here's the math.

You have a 401k through your job and you keep hearing that you also need a Roth IRA. But no one ever sat you down and explained how these accounts actually work together, what the difference really is, or whether you even need both. So you are out here doing your best, hoping it all adds up one day, and trying not to feel behind.In this episode, Andrea breaks down the 401k and the Roth IRA in a way that actually makes sense, starting with what these accounts really are, how they are different, and how they can work together to build your retirement. In this episode, you'll learn:✅ What a 401k and a Roth IRA actually are and how to think about them as tools, not just accounts✅ The key tax difference between both accounts and why having both gives you more flexibility when you retire✅ When it makes sense to focus on just your 401k and when it is time to open a Roth IRA✅ How to shift from hoping your retirement works out to actually knowing it willIf you are ready to stop guessing and start building a retirement strategy that is specific to your goals and your life, this episode is your starting point.Let's connect:Website: www.buildinggenwealth.comInstagram: @building.gen.wealthLearn more about 1:1 Money Coaching: www.buildinggenwealth.com/moneycoaching

Jared Correia takes us on a psychedelic tour of Memphis before diving into the complex world of tax optimization for business owners.  First, in the monologue, Jared recaps his "mind-f***" trip to Graceland. From the Jungle Room's porcelain monkeys and a bright yellow-and-black TV room to Elvis's Gatorade-stocked private jets, Jared explains why the King's estate is essentially "Redneck Disney World"—a 14-acre compound built to the god of capitalism.  Then, Jared sits down with Megan Robin, owner of Megan Robin Law. Megan holds an LLM in Tax Law and explains how she fills the "multidisciplinary gap" for law firm owners.  In this interview, we discuss: The Conventional Retirement Trap: Why aggressive 401k saving might not make sense for high-earning "knowledge workers" who peak later in life.  The CFO Gap: Why your $500-per-return accountant likely isn't providing a proactive tax strategy.  Real Estate vs. Wall Street: The hidden conflict of interest in Assets Under Management (AUM) fees and why your advisor might be steering you away from property investments.  Niching for Lawyers: Why Megan focuses on the unique entrepreneurial mindset of law firm owners.  Finally, stick around for a new segment: "Taxing Myths and Legends." Jared tests Megan on the weirdest taxes in human history. Find out which are real—from the Ancient Roman urine tax to the 19th-century Ohio squirrel scalp tax.  Learn more about Megan Robin. Subscribe to our YouTube Channel. And check out our unique Spotify playlist for this episode. Oh, man! I bet you didn't know how much you were missing Jared's unique take on culture, legal practice, and whatever else pops into his head. But don't fret, there's plenty to go around. Jared's back with a new **WEEKLY** show, Legal Late Night, available not only on your favorite podcast app, but in living color on your neighborhood YouTubes. That's right, Jared's more than just a pretty voice. Join him and his guests in high-def 2D through the links below. Subscribe to Legal Late Night with Jared Correia on: Apple - https://podcasts.apple.com/podcast/legal-late-night/id1809201251  Spotify - https://open.spotify.com/show/0Rkik0LLMaU6u0e7AKfK9h  Or your favorite podcasting app.

More workers are stealing from their financial future, summer fun is getting a gadget upgrade, and you may want to “dip a toe” into the electric vehicle pool before jumping all the way in.

From why companies are staying private longer to whether most IPOs live up to the hype, Peter and Charlie answer four key questions to help guide how you think about investing in IPOs. 

Secrets of Antarctica: Hidden Bases, UFOs, Ancient Ruins, Crystal Skulls & More… . The 2nd tranche of UFO & Alien files has just dropped and what's inside may fundamentally challenge humanity's understanding of history, religion, and our place in the cosmos. Dr. Michael Salla hails author and explorer Brad Olsen as “The Indiana Jones of Our Time.” Having self-financed his own expedition to the icy continent, Brad Olsen joins host and intrepid adventurer Brad Wozny to share jaw-dropping revelations from his new book, Secrets of Antarctica: The Untold History of the Ice Continent. . This is the 3rd episode in our Secrets of Antarctica series…

In this week's Stansberry Investor Hour, Dan welcomes Bryan Beach back to the show. Bryan is the editor of Stansberry Venture Value and a senior analyst on Stansberry's Investment Advisory.   Bryan kicks things off by discussing the idea of passive investing and how it has changed the way the market is valuated. He says that folks are relentlessly buying the biggest stocks every time they invest in their retirement funds, and they don't even know it. This "irrational indifference" could result in such a high level of volatility that it leads to mass liquidation of stocks. Bryan then talks about Software as a Service ("SaaS") and why artificial intelligence ("AI") isn't going to kill the companies that focus on it. (0:00)   Next, Bryan does a deep dive into Salesforce (CRM) and its business model. Investors thought that AI was going to undermine the company and similar businesses because it offers better efficiency and can be cheaper. However, its software is so embedded in its customers' operations that they don't want to leave it, even if they aren't in love with it. Bryan says that "sticky" companies with models like that are ones you want to look at. (20:14)   Finally, Bryan shares the market sectors he's most interested in right now. He says investors should keep an eye on the conflict in the Middle East. This has created multiple energy investment opportunities in North America, especially in Canada. But in general, it pays to frequently brush up on what's going on in the world to see what new opportunities could arise. And contrary to what you might think, investing isn't an "either/or" matter. If you're focused on long-term investing, you can take advantage of volatility and make options trades. (33:37)

The “Henssler Money Talks” hosts take a practical look at emergency funds, including how liquid they really need to be, whether keeping everything in cash still makes sense, and what truly qualifies as a financial emergency. They also discuss realistic strategies for building a reserve over time when balancing competing priorities like debt repayment, investing, and retirement savings.Original Air Date: May 23, 2026Read the Article: https://www.henssler.com/before-you-chase-returns-build-reserves

The 401k Girls are back. Hayley Porter and Jessica Porter return to talk acquisitions, target-date funds, financial literacy, vibe coding, and getting more women into financial services. Plus Fact or Fiction Thursday, a Chat Bar Champion challenge, and the usual chaos. We dig into the Ascensus and American Trust custodian shakeup and what consolidation means for advisors and TPAs, the wave of public comments on the latest DOL rule, whether private assets belong inside target-date funds, and why retirement should maybe just be boring. The girls break down their approachable take on financial literacy, the rebrand to The 401k Girls, and how authenticity (and the occasional quarter-zip) wins on social media. We also get into AI and vibe coding for plan administration. 0:00 Validate everyone in the chat bar 1:30 Welcoming back The 401k Girls 1:57 Fact or Fiction Thursday 4:50 Ascensus and American Trust custodian shakeup 13:30 Wholesaler relationships and partner reactions 20:50 DOL rule draws 37,000 public comments 23:30 Private assets inside target-date funds 27:20 Chat Bar Champion challenge 29:30 Reading bad financial advice posts 36:30 Making financial literacy approachable 38:40 Rebranding to The 401k Girls 41:30 Authenticity wins on social media 43:50 Vibe coding and AI for plan admin 49:50 Getting more women into financial services 59:00 Setting sales goals and succession planning 1:04:00 Wrap up and shoutouts Guests: Hayley Porter and Jessica Porter, The 401k Girls LinkedIn: https://www.linkedin.com/company/the-401k-girls Retireholics is a live show for the 401(k) industry. New episodes the 1st and 3rd Thursdays at 4:30pm Pacific. Join the next show live: https://plandesign.zoom.us/w/760355487 More episodes and transcripts: https://retireholics.com

Aaron Kowal discusses what happens to your 401k when you leave a job and what you should do, then touches on what retirement is for and important considerations. Later Jeff joins the show to examine couples with age gaps and the financial challenges they face. And Aaron wraps up the show with asset location vs asset allocation.

Van Mueller's story shouldn't work. He failed his insurance licensing exam three times, spent 16 years as a self-described “cancer” in his agency, and was eventually fired — by three branch managers simultaneously. Then, in his 17th year, a mentor gave him a single directive that changed everything: stop worrying about yourself and start taking care of people.   The result? 36 consecutive years at Top of the Table, speaking engagements around the world, and a reputation as one of the most effective question-based sales trainers in the insurance and financial services industry.   In this episode, Van sits down with host Scott Heinila to share the framework, the mindset, and the exact questions that have driven his career — and how any advisor can apply them starting today.   In this episode: The 5 core conversation topics every advisor should be raising with every client Why “process” questions outperform product pitches every single time How Van got a $600,000 client by asking one question in a grocery store The IRA/401(k) question that stops people cold — and opens the door to a full planning conversation Why Americans love to buy but hate to be sold — and how to position yourself on the right side of that The three things every advisor must do to build a thriving practice: appointments, inspiration, and finding the money How Van's newsletter delivers ready-to-use questions and tax insights advisors can deploy immediately Why repetition — not more product knowledge — is the real key to mastery **This is the Optimized Advisor Podcast, where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors. If you have questions or would like to be a featured guest, email us at optimizedadvisor@optimizedins.com Optimized Insurance Planning

As part of 401(k) Specialist's Q2 Deep Dive on target-date funds, Editor-in-Chief Brian Anderson sits down with Mercer Director of Defined Contribution Strategic Research Teams Preet Prashar to discuss the rapidly evolving TDF landscape—from market concentration and glidepath design to passive investing, fiduciary concerns, lifetime income solutions, and private assets.Drawing from Mercer's recent white paper, “Target Date Landscape: The Evolution of Target Date Strategies and Future Considerations,” Prashar shares key insights plan sponsors and advisors should consider as target-date funds continue to dominate the defined contribution marketplace.SEE ALSO:• $4.8 Trillion and Growing: Why Traditional TDFs are Still Key to 401(k) Success• Executive Q&A: Refining Accumulation Strategies Through TDFs with MFS' Jeri Savage

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Get the digital book at no cost to you here: https://cdfinancial.org/being-a-federal-employee-in-the-era-of-trump-book/Want to work with Charles? Apply here: https://cdfinancial.org/schedule-a-meeting/Checklist Challenge: https://cdfinancial.org/checklist-challenge/Newsletter: https://cdfinancial.com/newsletterWHO ARE WE?CD Financial helps federal employees and near-retirees create sustainable, tax-smart retirement income. Expect weekly strategies on 401K, FERS, TSP, Social Security timing, tax planning, and health-meets-wealth habits—clear, practical, compliant.TIMESTAMPS0:00 Last Year Before Federal Retirement Checklist0:22 Two Federal Employees, Two Different Retirement Outcomes0:46 Sick Leave Credit and Common FERS Retirement Mistakes1:08 How to Review and Potentially Improve Your Federal Pension1:43 Retirement Date Considerations for Federal Employees2:12 FEHB, Medicare Part B, and Retirement Healthcare Decisions3:13 Survivor Benefit Elections for Federal Employees3:50 Free Federal Retirement Checklist and Next Steps#FederalRetirement #FERSRetirement #FederalEmployees #RetirementChecklist #CDFinancialAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show

Think an IRA is just another retirement account? The differences between IRAs and workplace plans can change how you manage your money over time. In this episode, Frankie Guida walks through how IRAs work, how they compare to 401(k)s and 403(b)s, and why having access to more investment options matters. He also discusses rollovers, tax treatment, and considerations for adjusting risk and consolidating accounts as retirement approaches Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Financial problems don't always come from bad decisions—they often come from not understanding the rules. Jeremiah Bates and Nic Daniels break down the costly financial mistakes people make when acting without a clear strategy. The conversation starts with the growing threat of AI scams, wire fraud, romance scams, and why even younger, financially savvy individuals are getting caught off guard. From there, the show moves into retirement planning mistakes—how improper 401(k) rollovers can trigger unnecessary taxes and penalties, why understanding account rules matters, and when consolidating scattered retirement accounts makes sense. The hosts also tackle highly appreciated stock positions, Roth conversion strategy after age 65, Medicare premium impacts, Social Security coordination, and tax-efficient ways to unwind concentrated positions. The broader theme throughout the episode is simple: many of the most expensive financial mistakes are completely avoidable with proper planning…   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Hosts: Jeremiah Bates & Nic Daniels ————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

The Tenpenny Files – Joseph Lombardi challenges conventional retirement planning, arguing that 401(k)s often benefit institutions more than families. He explains wealth protection, IRS Code 7702 strategies, private banking, long-term care planning, inflation concerns, and the financial blind spots that leave Americans vulnerable during market instability, illness, disability, and economic uncertainty today nationwide overall...

Alex Murdaugh will be spending the rest of his life in Prison and now a Judge has ruled that he won't have access to his 401k funds to help pay for his appeal. The Judge made the ruling based on the fact that Murdaugh owes restitution to several victims and his money will go towards making them whole before he has access to it. Murdaugh was found guilty of murdering his wife and his son and is also facing charges of fraud in several other cases as well.to contact me:bobbycapucci@protonmail.comsource:Alex Murdaugh is denied access to his retirement accounts for $160,000 to fund his appeal | Daily Mail Online

Let's flash forward into the future 3 years.     You're applying for a job and you're going up against someone with an MBA.  That person is well-qualified and is probably the more attractive candidate for the job.    Let's say you have an Associates degree, but you happened to learn A.I. along the way.     You've implemented it in every single job you've had over the last 3 years.    When it comes time to getting an offer letter, if the person with the MBA hasn't mastered A.I., they're not going to land that job over you.    That's the good news.    Keep in mind, companies like Sony are not going to come here and invest tons of money and ignore cheap labor.     Sure, they'll be here for a season, but the United States is not going to pay the high wages commanded by the American workforce, especially when there are ways to scale a company by simply using A.I.    There will be no unions to pay, 401K, retirement, etc.    It's not a viable proposition.    I say that to say this............   A couple of years ago, I had close to 100 employees.    Today, I have 30, thanks to A.I.    Each one of them knows how to leverage A.I.   They are agents of A.I. and this is what future employers will be in search of.    So, if you're thinking about what you should be focused on now..............it's becoming an agent of A.I.      About the ReWire Podcast The ReWire Podcast with Ryan Stewman – Dive into powerful insights as Ryan Stewman, the HardCore Closer, breaks down mental barriers and shares actionable steps to rewire your thoughts. Each episode is a fast-paced journey designed to reshape your mindset, align your actions, and guide you toward becoming the best version of yourself. Join in for a daily dose of real talk that empowers you to embrace change and unlock your full potential.    Learn how you can become a member of a powerful community consistently rewiring itself for success at https://www.jointheapex.com/   Rise Above

The latest episode of the Business Brief podcast examines how small businesses are reacting to a plan to eliminate the state income tax — and raise sales taxes. Then, it features a conversation with a financial planner about the risks associated with alternative 401(k) investments.

https://traffic.libsyn.com/thebeerreport/TW_110.mp3 Episode 110 Welcome to the automotive podcast that will not be generating 427 Million in stock options.   On this episode of Throwin' Wrenches…    RJ gets paid  Dont bother saving…  Elon has a plan  Want to save gas money…  We... The post Episode 110 – Elon says burn your 401k but we can’t afford gas appeared first on Throwin' Wrenches Automotive Podcast.

While Congress has made it easier than ever to access 401(k) funds through hardship withdrawals, this can be a dangerous trap for your future self. Losing out on decades of compounded interest has long-term consequences. Before you hit retirement savings to cover a financial bump, use the Team Clark 401(k) Loan Calculator to see the true cost of that withdrawal – it might just convince you to find another way to bridge the gap.  Also, Clark breaks down how Amazon has partnered with vehicle brands in new markets, offering another option for more streamlined car buying. Know how to bypass the gimmicks and games to get a fair price on your next vehicle. 401(k) Loans: Segment 1 Ask Clark: Segment 2 The Car Buying Process: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Is a 401(k) Loan a Good Idea? Almost Never - Clark Howard 401(k) Loan Calculator (Clark.com) Clark Howard's Special Rule for Refinancing Your Mortgage Why Clark Says You Should ‘Ignore' Paze as Trendy New Payment Option Why You Should Never Store Your Payment Information Online Top 7 Ways To Shop Safely Online - Clark Howard Why Amazon and Costco May Be The Best Ways to Buy Your Next Car The Best Car-Buying Services - Clark Howard Report: 4 Used Electric Vehicles Under $25,000 - Clark Howard What Mileage Should I Target on a Used Electric Vehicle? CR - Used Hybrids & EVs Ratings  SIXT+ | Your Car Subscription Should You Ever Lease a Car? - Clark Howard  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. Visit megaphone.fm/adchoices

Keith breaks down why real wealth is built through concentration, not diversification and explains how focusing on one main vehicle—like a specific real estate strategy, business, or career niche—creates the expertise and asymmetric returns diversification can't.  He also clarifies that diversification isn't useless; it's most powerful later in life as a wealth preservation tool, not a wealth builder. Contrasting building wealth with simply earning a living, showing why specialization is the key to higher income.  Finally, he highlights the one area where diversification truly shines: your relationships and network, which provide resilience, perspective, and long-term support. Episode Page: GetRichEducation.com/605 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, is wealth built through diversification or concentration? There is one clear answer. Then, in five year age increments, how should you think about wealth building and real estate at age 2025, 3035, and so on, all lay out each one today on get rich education.   Keith Weinhold  0:26   Flock homes helps multi family owners exit the operator grind, whether it's your six Plex or a 50 unit apartment through a 721 exchange, this defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management request your initial valuation, see if your property qualifies at flock homes.com/gre, that's F, l, O, C, K, homes.com/gre,   Speaker 1  0:59   you're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:15   Welcome to GRE from Buffalo New York to Buffalo Wyoming and across 108 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. I am back here with easy to understand language to help you learn why and how real estate has made more ordinary people wealthy than anything else, and in your personal path to wealth building, how do you think that wealth is achieved is it through diversification or concentration? Because there is a clear cut answer. There is no squishy wishy washy, a little of this and a little of that, or no major exceptions. No gray area here. And it's interesting because I have a CFA friend, that means chartered financial analyst who's really smart and really well trained, and yet he seems confused by this. We disagree on this one straight away. Do you think that you're going to build wealth if you diversify or if you concentrate? And if you're still undecided here, I'll give you a hint. I'm going to ask this integral question one last time and stress a word in this sentence for you. This could really help you out. Is wealth built through diversification or concentration? With that emphasis on built accumulated? The answer is that overwhelmingly, wealth is built through concentration, not diversification. Most people who actually create any really meaningful wealth, they didn't go sprinkle a little money everywhere. Instead, they really focused hard on one thing, whether that thing was a business or a career niche or a narrow set of high conviction investments or a specific real estate strategy, for example, single family rentals or self storage facilities or assisted living homes. And why? Well, because concentration amplifies your upside. It lets you develop expertise which gives you an edge over everybody else, and it's what turns average returns into asymmetric ones. Think about how Warren Buffett made massive gains early with concentrated bets. Or how Jeff Bezos went all in on just a few ventures, or Sarah Blakely on just a few ventures. Those that say don't put all your eggs in one basket, well, all right. I mean, you can look at the world that way, that is a diversification path. Though you're going to end up working full time until you're age 68 and you'll probably be safe and you might just have a sound retirement, but you have done so much trading away of your time in your best years for dollars. I mean, that's it. That's not a wealthy path. Your employer wants you to invest any of your extra income in a diversified way so that you're not going to build enough wealth to leave that employer early. And yes, we're back to the old Andrew Carnegie. Put all your eggs in one basket and then really watch that basket. Carnegie's concentration was in the steel industry, wealth. That's what we're talking about here, like something outstanding, extraordinary, not just a good enough retirement nest egg. Maybe real wealth is built through concentration. This is why we concentrate on one thing here on this show. Largely real estate investing, because you don't build wealth from diversification. All right now, yes, there could be a little diversification even inside residential real estate investing, say, maybe you want to get into three markets. Call it Atlanta, Indy and Kansas City. But overall, that is still concentration in residential real estate investing. And if you want to be outstanding, you have got to embrace the heterodox, meaning a departure from the Orthodox. Orthodoxy is spreading all your money around in, say, the s and p5 100 index, we're almost guaranteed then to get a pedestrian like outcome. And now look, once you've built something and you've got something to protect, which is however you've decided to build your wealth through concentration, oh, now that's when the game changes. You'll probably best protect your wealth, not build it protect what you've built through diversification that being done when you're older. And what diversification does for you is that it reduces your downside risk, it smooths volatility, and it prevents a single mistake from wiping you out. So at this stage, you're no longer trying to win big. You're just trying not to lose big. The mistake most people make is that they diversify too early, and that usually ends up leading to mediocre returns, no real expertise, and these sort of portfolios that are busy but not wealthy, it's sort of like planting 20 seeds and then not watering any of them enough.   Keith Weinhold  6:47   All right. So here's a smarter progression across your investing life. In your early stage, which is your wealth building phase, you want to concentrate your time, your energy, your capital, you want to build skill and conviction, and then you want to take calculated asymmetric bets after, say, 10 or even 20 years of that, you enter the mid stage. That's where you'll start spreading across related areas, for example, multiple property types, but still in markets that you understand. And then finally, after 10 or 20 years of this mid stage, it is later stage, which is wealth preservation only. Then is where you diversify broadly across asset classes and all sorts of geographies. And then you protect yourself against tail risks. So the bottom line is that concentration creates wealth, diversification preserves it. If you try to flip that order, you are going to stay stuck. And if you're young and you're still diversified, and you might think you're okay, and you even project that you're going to have something built up, like, say, $8 million in retirement. If you just keep this up, what you've just done is that you're making my point for me, because 8 million, that is not going to be an outstanding amount at all by the time you reach conventional retirement age, you had better flip to concentrating in something, whether it's residential real estate or data center construction or pressure washing. All right, so that was wealth building. Now, how about instead of wealth? Say that you're trying to make a living, all right, this is a different subject. Now, if you're trying to earn a living, should you diversify, or should you concentrate? How do you make a good living? Which is working at your day job? That's what we're talking about here. Now, once again, the answer is, through concentration, not diversification. We became a society of specialists by the Industrial Revolution 200 years ago, if not sooner, making a good living that comes from being valuable at something specific, not average at a whole bunch of things. One strong income engine beats five weak ones. Depth pays more than breadth. People are willing to pay you for expertise, not for dabbling around. This is whether it's a niche in real estate or a specific profession or a focused business model, you need one thing that reliably throws off good income and a little story here. I don't want this to be disparaging to Uber drivers, because I appreciate what they do and where they drive me. But I recently had an Uber driver. It happened to be in Hollywood, and this uber driver is also a stand up comedian there in West Hollywood. Well, those are two very diverse activities, driving and being a comedian, and that tells me something he's not a very successful. Stand up comedian. If you try to diversify too much, your attention gets split, your skill development slows, and your income plateaus at just okay. Now I'm fortunate enough to have had some good success at what I do, real estate investing, and then talking about real estate investing with you here, that is my specialty, my concentration. I don't mow my own lawn. A specialist does that. I don't shovel my own snow. A specialist with all the right equipment and all the expertise does that. I don't do my own accounting. Now in what feels like a previous life to me, when I used to work a day job for the Department of Transportation, and there were problems with paving a specific type of asphalt on the roads in cold weather, a specific specialist would fly out to help us troubleshoot that. He was a high paid consultant, because he is in a niche that's very tiny. So when it comes to the matter of making a living, where diversification fits is once your primary income stream is stable and predictable, well then maybe you could add a second complementary stream, and not something that's random, build redundancy so that you're not fragile. But just think of that as a backup engine. You don't want to think in terms of 10 side hustles. For an example, a real estate investor adds another market or a strategy, a w2 professional well, they had maybe one serious side income, and that's just a matey. Surely not six apps and gigs if you're out there chasing everything, then you are going to earn less. And now that I've discussed how you want to concentrate, not diversify if you want to build wealth, and you also want to concentrate not diversify if you want to make a good living, well then you might wonder, gosh, does diversification have any place in my life? Is there any life facet at all where diversification gives you an advantage? Yes, there definitely is. Do you have any idea where diversification helps you as you look at all areas of your life, because there is one clear cut place, and that is relationships. Yeah, whether it's romantic relationships, like dating a potential spouse or in the broader sense, I mean, when you met your eventual husband or wife, it's not very likely that you impress them by going deep on some nuance that has to do with asphalt paving, or how you or how you increase your cash on cash return with management efficiencies on your single family rental portfolio in Little Rock Arkansas,   Keith Weinhold  12:57   In relationships, you become attractive to people because you can say, show a soft side, or be a good listener or know how to dance a little all while you can make a good living a diversified relationship portfolio. Now for you, that might mean having close friends for fun and honesty and a professional network for opportunities and perspective, and you might have a mentor or two in your life for guidance, and then you've got family relationships for roots and support. So every one of them plays a different role, and that way, no single relationship has to carry everything and what this protects you from is having just one friendship. You don't want that, otherwise, your whole social life can collapse. It protects you from a career setback, because you'll still have emotional support. Having diverse relationships prevents you from falling into echo chambers. Instead, you're going to get better, broader thinking. So having diversification in relationships that is basically risk management for your life and in this life, facet smart diversification makes you resilient. It makes you grounded. It makes you harder to knock off course. So let's review here in relationships, diversify to build wealth, concentrate and to make a good living, concentrate. And with that said, you know, if you want to get mega, mega wealthy, like stupid rich, let's just call that a billionaire with the letter B, if you want to reach that level, then I don't think that investing in rental property is the fastest or the best way to get there, although it can give you a good start. And then what's the point of this show? The point is that real estate investing is the most proven way to build wealth when you concentrate on it. If you want enough net worth and income so that you never have to work again all while you're still young enough to enjoy it, direct investment in real estate. Hey, that's great. If you want to get up to the $10 million net worth level, or even to say, $50 million that is totally doable. And the good news is that it's almost inevitable if you apply yourself and yes, concentrate, because that's all most people want, options and freedom. Those words are often a proxy for wealth. But if you're trying to get on the Forbes list of the world's wealthiest 100 people or whatever, which is where you need to concentrate on a novel business idea. All right, you can go for that, and then your risk of failure goes up substantially. You might even reach the billionaire level. As a real estate investor, more likely the DECA or the Centa millionaire level. But there are other ways of doing that outside of real estate. Real estate investing is great if you want to get sort of regular wealthy. Maybe even say that can be as little as 15 million or 25 million plus when you're young enough to enjoy it. And you know even half or 1/3 of those levels are enough as a freedom number for most people. With all that said, when you concentrate to build wealth, you do have to pick a proven vehicle. You can't say you're going to concentrate on sports gambling or prediction markets like call sheep or polymarket. They are not proven wealth building vehicles. Most people lose money on Poly market if you've wagered your mortgage that Mr. Beast is going to be the next President of the United States, perhaps reconsider that approach. In fact, according to an analysis that Bloomberg just performed, nearly every poly market trader either loses money or they make little or no profit. More than 100,000 accounts lost $1,000 since the start of last year, and that is twice the number of accounts that made at least $1,000 in aggregate, traders lost $131 million on this prediction market over that time, the tiny number of accounts that make lots of money appear to be mostly bots. That's what Bloomberg found. And there was a separate study that found that since 2022 69% of traders lost money, while three quarters of total profits were won only by the top 1% of users. So gambling, wagering, this speculation, it is not a proven vehicle, and it's not the same as investing. The cleanest way to think about the difference is that investing means putting money into something that produces value over time. Instead, gambling means putting money at risk on an outcome that you cannot influence, usually with a negative edge. And gosh, one reason that this is on my mind is, you know how I recently shared with you that I stayed at the Bellagio in Vegas. I didn't gamble at all. And in fact, I don't even know if I'm going to stay there again. That's just not congruent with who I am. But I marveled with my mouth agape when I watched a few games at the roulette wheel. Yeah, you're allowed to watch if you're not gambling. A typical scene is that perhaps five players were wagering their chips at the roulette wheel. Now the way it works is that the casino, they often have two and sometimes three of their own staff, like uniformed employees, that are there facilitating and monitoring the roulette wheel. I mean, look right there, if the casino is paying two or three staff members to facilitate the roulette wheel, well, the player should know that the odds are tilted against them. I mean, those casino dealers make, you know, they usually just make 50 to 70k a year with tips, all right, well, so the house needs to have enough of an advantage to pay their employees that are at that table and still profit. And they sure do profit. If you don't understand the game, when you play roulette, you can basically either wager that the ball is going to land on either red or black, but two of the 38 spaces on the wheel are green. They benefit the house directly. So with every bet that a player makes, they've got 18 winning spots and 20 losing spots. This is why roulette, like most gambling schemes, is for losers. And this roulette metaphor, I mean, this is a easily intuitive example for How the house has the advantage, whether it's the DraftKings app on your phone or it's a physical in person Casino. And look, I had another Uber driver recently. Yeah, lots of Uber drivers in my life lately, as I've been traveling in Pennsylvania, New York, California and Nevada, all right, interestingly, this uber driver is a dealer at the Horseshoe Casino, which is near the center of the Las Vegas Strip. While he drove me around, he opened up and told me that he doesn't understand why anyone is a serious gambler in his life history, he divulged to me that he has never known one long term winner. That's a gambler. It's amazing that he would admit that himself as an employee there. So suffice to say, wealth is built through concentration, not diversification, and certainly not through gambling.    Keith Weinhold  20:56   How should you think of building wealth for yourself at different age profiles, 20,25,30,35, and so on. I'll discuss each age profile that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  21:13   What if you got your mortgage loans the same place I get mine. You sure can at Ridge lending group NMLS, 42056,they provided GRE listeners with more loans than anyone. Because Ridge specializes in investment property, they'll help you build a long term plan for growing your real estate empire with leverage. Start your pre qual and even chat directly with President chailey Ridge while it's on your mind, start at Ridge lendinggroup.com that's Ridge lendinggroup.com   Keith Weinhold  21:44   Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom family investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals, every investment carries risk and nothing is guaranteed, but with a track record of consistent on time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text. Family 266, 866, that's family 268,66   Ted Sutton  22:48   Hey, it's corporate, directs Ted Sutton. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  23:02   welcome back to get rich Education. I'm your host, Keith Weinhold, and you're listening to Episode 605 let's talk about some age profiles, because your life isn't random, it's staged. And if you understand the stages, I'll take it from age 20 up to age 40 or perhaps 50, because I don't have experience yet with being older than them. And then you can stop guessing and start engineering your future. Let's discuss mindset and then some tactics on how to build wealth in five year increments, largely through real estate, starting with age 20, at this stage, you're not behind you are early, though. I do know some people that have owned rental property at age 18 and 19. For the most part, your job isn't to invest yet. Your job is to build awareness and identity. Listen to shows like this one that you're listening to right now, even though you might be in college or trade school or have some employment, yes, as an employee, start thinking like an owner at this time you're installing your financial Operating System. Most people are 20 are consuming entertainment. You you're consuming direction. You're thinking, how can I set up a life where I'm not living below my means, which will always limit you? You're thinking, how can I grow my means at age 25 let's say you're out of school, you have a job and you're only making 65k per year if you're living with your parents, that means you can accumulate more liquidity. I don't like to say that you're becoming a saver, because that does not wire your mind for wealth, but that's effectively what you're doing. You're trying to amass some Liquidity, some capital formation is taking place. If you only have, say, $30,000 of cash amassed, well, then you're not ready for real estate, unless perhaps you're doing an owner occupied FHA loan in a duplex or a fourplex with a three and a half percent down payment. If you've got credit card debt. That's at 21% APR. You do want to retire that first age 25 is when you're likely to have student loan debt. The average student loan debt balance at age 25 is about 35k and the interest rate is 7% as long as your income is stable. You know, I didn't focus on paying down my student loans at age 25 I mean, why would I? Why should you I invested first? Because you might feel like having student loans slows you down, and it does, but not accumulating assets is what will keep you stuck so you're 25 when do you buy your first income producing asset? Say you've just got 20 to 30k accumulated liquid. That is still a little early to buy your first rental property, because that first property that would take all of what you had accumulated, that down payment would take it all like for an out of state turnkey property, and you've always got to stay a little liquid, but sooner than later, you have got to increase your income and own some real assets. If you accumulate instead 60k cash and the cheapest decent investment property would probably take something like a 30k down payment in closing costs right now, all right. Well, that tilts toward pulling the trigger and doing it because you've got some buffer. Now, you're still learning along the way, but you're learning really begins when you own your first property. Now, if you happen to live in an investor advantage place, oftentimes in the Midwest or south, perhaps the inland northeast, well then maybe you buy locally. But if you live in a pricey Metro at age 25 then you are probably rent vesting instead. What rent vesting means is that you're paying rent in, say, New York City, and you own property that you rent to others in, say, Chattanooga, Tennessee, that's called rent vesting. And you might pick up more than one property in your late 20s by age 30. Okay, look, this is when your cumulative better decision making really starts to show your trajectory has diverged from the herd, and it's really becoming noticeable to your peers, because your past decisions start compounding here by age 30. This is where you can benefit from modeling if you see someone like you that's doing what you want to do now, you can see yourself doing it. That's called modeling, and this is where your confidence grows. We'll say that now you're married at age 30, and you have a young child. You and your spouse make 175k together. You still have student loans, but you definitely own some real estate by now, we'll even say that you own your own home, your primary residence. By 30 you have a pretty good understanding of financing, property management and markets. By age 35 now you're investing in multiple real estate markets, and this is fueled because you've now done cash out refinances of your earlier properties into some more properties, and that means that you don't even have to use all of your own money in order to buy other properties and make down payments on them. So by age 35 your mindset has shifted from how do I buy a property over to how do I build a machine that buys properties, and this is where scale happens for you, you want to be sure to stay in your lane of competence and avoid chasing shiny objects again. Concentration over diversification by 35 it's become so apparent that you're glad that you did what you did. Other people are still doing things like working a lot of overtime and missing dinners. Maybe you do a little of that, but you don't have to do that. You're happy that you were strategic and you took the actions necessary so that your life doesn't feel like spinning on a hamster wheel like it does for everybody else, and it might still feel that way for you, too, but you are able to see a way out of that. And some people retire with real estate investing by age 35 but in this case, let's just say that you're not. Most aren't, but by now, you are getting so far ahead Of your old peers that you are definitely saying something to yourself, like, wow, indeed, capital compounds and labor doesn't this is the time in your life for this type of epiphany. Let's see where you are by age 40, and by the way, let's acknowledge that the average age of the first time homebuyer is now fully 40 in America. But by listening to this show and following the path that we help you with and engaging with our coaching and reading our newsletter, you are well ahead of this now I have a traditional financial advisor friend who says that he recently shared with me that he thinks a couple is in good shape if they have a net worth of $2 million by age 40. I don't know about that, though, if it's $2 million and a soldier in a 401 K that's locked away and it's not producing any income, that's a poor trajectory for the 40 year old couple. Sheesh, it's still a minimum of 20 more years from there until you can access 401K money, penalty, free. And, yes, there are some workarounds, but that's generally the picture. Well, instead, if you're a 40 year old couple with $2 million dollars in real assets. Oh, now you're in a substantially better position than if it were in some illiquid, conventional retirement plan. If it's in real assets. Oh, now you've got all these options. It could be producing income. You've got tax advantages that are greater than a 401, K, you might be able to access some of the equity, tax free, with a refi and plus say that your $2 million in equity is leveraging $5 million in real assets. Well, then, with 5% appreciation that alone is growing your net worth by $250,000 every single year, in addition to everything else that it's doing for you, yeah, talk about diverging from the herd. $2 million of equity in real assets crushes. Having that amount in a 401 K for you as part of a 40 year old couple, by age 45 you could very well be job optional. You could have teenage kids now, so you've got some expenses, you've been cash out, refinancing in a refi for life plan. Now your properties regularly are able to buy more properties for you, so that you aren't spending your own money on them. Instead, you're spending your own money on travel and living a better life than those others that are soullessly grinding at age 45 and yes, by the way, let's acknowledge that there would be ways for you to borrow out of a 401, k as well, but they're less forgiving than borrowing against your real assets after this period of time for you, you're getting into your late 40s, it is less about accumulation and it's more about optimization and freedom. I mean, you're soon asking, What do I want my life to look like? And you're not asking, How do I make more money? And at age 50 plus, since I really don't have much life experience here, you've probably done a number of 1031, exchanges, or you're even doing 721, exchanges, if you're substantially older than this saying that you want to retire from landlording. Now, one big lesson learned here is that early on, that focus, that concentration, is what allowed you to diverge from the herd that played small with diversification. One thing to be aware of when you're asking yourself that question, how much is enough? You're asking, how much is enough? Well, today, a five to $6 million dollar net worth that can usually generate enough income so that you don't have to work anymore. But people have a propensity to move the goalposts. It's most natural to think that you need to have twice as much as what you have now. Almost everybody inevitably thinks his way. If you've got 100k to your name, you think you've got it made. If you have 200k and if you've got 5 billion, you think you will need 10 billion. Be aware of that propensity to move the goalpost the amount that you think you need is almost always double what you have right now. And of course, in the words of the late George Foreman, the question isn't at what age I want to retire, it's at what income. Even conventional retirement planners will tell you that they just need to know two things in order. A plan for you, how much monthly income are you going to need, and how long you're going to live. And I think they've got that part right now. As you listen to those age profiles, you might have felt yourself ahead of that pace, on that pace, or behind that pace. There's a good chance that you were behind that pace, because by age 20, most people just don't adopt the abundance mentality that early. Most people drift through these decades, but if you understand the sequence, it's really this, learn, then earn, then buy, then scale and then optimize and be sure that you're living the entire time. The really good news for you is that you don't need luck. You need alignment with the stage that you're in. And if you get that right, you don't just build wealth, you build a life where money works harder than you do. Most people that try to do that get their money to work harder for them, well, that approach does not work until it's too late, but it works out for us because we ethically crowdsource other people's money to work harder than we do. To review what you've learned today. Wealth is built through concentration, not diversification. And from a young age, set up your life not to live below your means, but to grow your means. I'll talk to you again next week. Until then, I'm your host. Keith Weinhold, don't quit your Daydream.   Unknown Speaker  36:42   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively,   Keith Weinhold  37:10   The preceding program was brought to you by your home for wealth building, get rich education.com  

If you're like most working Americans, your No. 1 strategy for accumulating enough money to retire is by contributing to a defined-contribution plan such as a 401(k), 403(b), or the federal Thrift Savings Plan. Consequently, when you retire will depend largely on how well you manage your account. Robert Brokamp provides 11 tips for making the most of your employer-sponsored retirement plan. Also in this episode:-The S&P 500 is near all-time highs, but small caps and international stocks are doing even better so far in 2026.-A new study finds that retiring before 65 may accelerate cognitive decline.-The U.S. government's debt-to-GDP ratio is now over 100%, nearing the all-time high set after the end of World War II. Host: Robert BrokampEngineer: 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

1018. Do you have multiple retirement plans and are unsure how they fit together? Laura answers a listener's question about having a 403(b) and a 457 plan at work, and a potential second job with a 401(a). Knowing the rules of various retirement plans helps you take full advantage of them and avoid potential mistakes and penalties. Key takeawaysThe names of workplace retirement plans come from the sections of the Internal Revenue Code that govern them. Plans from different sections of the tax code operate independently, allowing you to double or triple-dip maximum contributions.Plans from the same section of the tax code, such as a 401(k) and a 403(b), are subject to one shared annual contribution limit.A 403(b) can be offered by public schools, hospitals, and non-profits; it allows an extra catch-up contribution for long-term employees.A 457 plan has different types of accounts, but the governmental 457(b) is the most common. It allows an extra catch-up contribution and no early withdrawal penalties.A 401(a) is typically offered by government agencies, schools, and non-profits. It usually has mandatory participation and a high annual contribution limit.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

‼️ SECRETS OF BOSNIA'S PYRAMID OF THE SUN ‼️ . What they found in Bosnia's pyramids may change ancient history forever. Join Anthropologist & Discoverer of the Bosnian Pyramids Dr. Sam Osmanagich, “The Indiana Jones of Our Time” explorer Brad Olsen, and host Brad Wozny as they uncover part of the hidden history of the great Bosnian Pyramid of the Sun — from mysterious stone spheres and ancient energy phenomena to labyrinths beneath the earth and compelling evidence suggesting a lost civilization far more advanced than we've been told once thrived here. . The landmark expedition begins June 14, as leading researchers, adventurers, and truth-seekers from around the world gather at the Bosnian Pyramids for this powerful international event hosted by Dr. Osmanagich. . Because if the discoveries here are what they appear to be, then humanity's timeline, our understanding of ancient engineering, and the true story of civilization may need to be rewritten. . Visit https://BosansKepiramide.ba | https://www.DrSamOsmanagich.com | https://www.ThePleiadesCode.com . Order “Secrets of Antarctica: The Untold History of the Ice Continent” by Brad Olsen at http://www.CCCPublishing.com .

Quint and Logan talk through how to save if you do not have a company retirement plan. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.