Podcasts about 401k

Barry James Dyke is a bestselling author, advisor, and iconoclast who's spent decades exposing the financial myths that keep everyday people uninformed while Wall Street and big banks profit. As founder of Castle Asset Management, he's helped clients demystify how banks, asset managers, and retirement systems truly work—using innovative, risk-managed planning geared to protect wealth from unnecessary risk or transfer. On this episode we talk about: The truth about 401Ks, mutual funds, and why saving trumps risky investing (“the market always goes up” is a dangerous lie) Banks' instability, the reality of fractional reserve lending, and why bailouts favor the elite—not regular savers Retirement system myths, why America ranks poorly on global preparedness, and how corporations quietly protect their own funds Why life insurance and low-risk products are the “secret” safe havens for big institutions (but rarely taught to working families) Actionable steps for listeners: discipline in saving, setting up protection, and investing safely for the long term Top 3 Takeaways 1.  Real wealth starts with discipline—saving first, then investing with a clear plan and protection before chasing risky returns.2.  The system is stacked for Wall Street—most big wins come from business, innovation, or personal skill, not just mutual funds.3.  Educate yourself on banking and investing fundamentals; big banks and corporations quietly use safe, conservative vehicles, not speculation. Notable Quotes “Most believe banks are stable, but they're highly leveraged and bailouts favor elites, not everyday savers.” “I've never met anyone who made their millions in mutual funds—the best investment is always in yourself.” “America's retirement crisis comes from poor savings discipline. Start by protecting, saving, then thoughtfully investing.” Connect with Barry Dyke: Website: barryjamesdyke.com ✖️✖️✖️✖️

Episode 608: Should you roll over your old 401(k) or leave it where it is? Steve and Zach explain the pros and cons of each choice. Then, hear eight insights from a veteran advisor that reveal what really matters in wealth management.

Marty explores retirement planning fundamentals, including income replacement strategies, tax considerations, and the significance of planning for longevity. The conversation also addresses emotional investing, withdrawal strategies for retirement savings, and the implications of inherited IRAs. Finally, the role of annuities in retirement planning is discussed, emphasizing the need for safety and security in investment strategies. Reach Marty at 888-519-9096. Smart Money Solutions www.smartmoneysolutionsmn.com See omnystudio.com/listener for privacy information.

Kelley talks about the critical strategies for retirement planning, focusing on the importance of understanding withdrawals from retirement accounts, the implications of Required Minimum Distributions (RMDs), and common mistakes to avoid. She also delves into the complexities of annuities, providing insights into their various types and how they can fit into a retirement strategy. Listener questions highlight the need for effective tax strategies and the importance of having a comprehensive financial plan. Reach Kelley at 800-810-8060. California Wealth Advisors www.californiawealthadvisors.com See omnystudio.com/listener for privacy information.

What the Fed's interest rate cut means for you and why projections of future interest rate cuts come with a big caveat.

Unlock the secrets of your 401 (k) in this enlightening episode of Latina Investors! Is your 401 (k) really safer than other investments, or is it just another misconception? Join me as I dive deep into the components of a 401 (k) and explore smarter investment strategies for your future. In this episode, you'll learn:✅ The truth behind 401 (k) investment safety and its comparison to individual brokerage accounts.✅ How time and diversification play crucial roles in securing your financial future.✅ The simplicity of investing beyond retirement with index and target date funds.✅ The impact of timelines on your investment risk and returns.✅ Practical steps to start investing for various life goals beyond just retirement.Book a call to join 1:1 money coaching program here: https://www.buildinggenwealth.com/work-with-me

Have you been a good saver? Is a big part of your retirement savings in an IRA or 401K? Saving money in one of these tax-deferred retirement accounts seems like a great deal at first, but these accounts could trigger massive taxes… when you're retired! Learn how you could save tens of thousands—if not hundreds of thousands of dollars in taxes with your IRA or 401K in retirement on Retirement Solutions Radio, "3 Big Strategies for Your IRA and 401K That Could Unlock a Windfall of Tax Savings in Retirement!"

Grant Cardone is known for bold, controversial money takes—and this episode, Travis reacts to Grant's viral claim that 401Ks are a “trap” and don't set you free. Grant argues that parking money in retirement accounts limits your options and leaves you exposed to higher taxes, pushing followers to instead pursue investing for cash flow and flexibility. Travis breaks it down with a balanced perspective, looking at who Cardone is speaking to and whether this advice fits most people's lives. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textDid you know that private prisons could be hiding in our retirement investments? In this eye-opening episode, let's explore how major corporations and Wall Street firms are making billions by operating prisons and exploiting incarcerated workers.You'll learn how to use the free Prison Free Funds tool to easily check if your 401(k), IRA or other investment funds are invested in private prisons and related companies. Most importantly, you'll hear actionable steps you can take to divest your retirement savings from this industry. Whether it's contacting your employer about alternative fund options or choosing socially responsible funds, you'll walk away empowered to align your investments with your values.Our money has power. By keeping it out of the prison-industrial complex, we can be part of the solution to end mass incarceration and build a more just society. Tune in to learn how to take control of your financial future while making a positive impact with your investments.Links from today's episode:American Slavery, Reinvented. The Atlantic. September 2015.https://www.theatlantic.com/business/archive/2015/09/prison-labor-in-america/406177/Prison Free Fundshttps://prisonfreefunds.org/ICYMI another episode you might enjoy:Episode 82 Divesting from Prisonshttps://pod.link/1577031108/episode/04a729da60dd2f1eb0b27eaf1ac8853b  (recorded before the 2024 rebranding of this show)Connect With Genet “GG” Gimja:Website https://www.progressivepockets.comTwitter https://twitter.com/prgrssvpckts Work With Me:Email progressivepockets@gmail.com for brand partnerships, business inquiries, and speaking engagements.Support the show

President Trump's August 7 executive order directs the Labor Department and the Securities and Exchange Commission to issue guidance allowing employers and plan sponsors to include various private assets in 401(k) plans and other defined contribution plans. The permitted assets could include private equity, hedge funds, private credit, real estate investment trusts (REITS), venture capital funds, and crypto-assets. The program discusses the potential risks posed by such alternative assets to investors in defined contribution plans. Three experts in the field explain the President's order and its potential impact: Art Wilmarth, professor emeritus of law at GW Law School, Hilary Allen, Professor of Law at the Washington College of Law at American University, and Amanda Fischer, Policy Director and Chief Operating Officer for Better Markets. Don Resnikoff participated as co-moderator. Please note, the positions and opinions expressed by the speakers are strictly their own, and do not necessarily represent the views of their employers, nor those of the D.C. Bar, its Board of Governors or co-sponsoring Communities and organizations.

Get the clarity and confidence you need as Wes Moss, Connor Miller, and Christa DiBiase break down today's swirling economic landscape and answer your most critical money questions. This episode of Money Matters turns today's complex headlines and listener challenges into clear, actionable insights for retirement planning. • Track how today's economic crosscurrents—including recession chatter, jobs data, and inflation—may be shaping the outlook for U.S. growth. • Examine the importance of jobless claims, payroll growth, and recent BLS revisions that could shift how investors and retirees view the labor market. • Spot how declining mortgage rates and strong housing demand could provide potential tailwinds for the broader economy. • Measure the role of residential construction jobs as a potential recession signal and why current numbers may suggest stability. • Understand the impact of the coming 2026 consumer tax refund surge tied to new legislation and how it may influence household spending. • Break down how higher labor productivity and technological shifts like artificial intelligence could affect corporate profits and inflation trends. • Review listener Q&A on brokerage accounts, investment tools, tax-efficient withdrawals, mortgage decisions, and strategies for early retirement account access. • Compare the flexibility of withdrawals across Roth, 401(k), IRA, and brokerage accounts to support informed financial decision-making. • Clarify the rules for accessing retirement funds before 59½, including the Rule of 55 and 72(t) distributions, and what they may mean for both traditional and Roth accounts. Stay informed and proactive—listen now to strengthen your understanding of retirement, investing, and today's economy. Subscribe to the Money Matters Podcast for weekly conversations that keep you engaged with the latest financial and economic trends.

If you've seen the 401k headlines recently, you know that the 401k industry is noisy right now. It feels like new legislation comes out daily, along with a million new tools and options that 401k plan sponsors have to choose from. Plan sponsors are overwhelmed with all of the "information." They don't know what they need to be addressing or when they need to be addressing. They also don't know who should be walking them through these scenarios to help them make informed decisions for their plan and their participants. In this episode of the 401k playbook, I talk about the state of the industry (hint: noisy) as well as how we handle this type of environment for our clients.  Whether you are an advisor in the 401k space or a 401k plan sponsor, I hope the information is helpful.  If you have any questions or simply want to connect, the easiest place to find me is on LinkedIn.

Ellen Karis is the “Greek Goddess of Comedy” and has performed Stand-Up Comedy all over North America. She has three comedy specials, her latest on the Dry Bar Comedy Channel called “Dreams Don't Come True”. She is the host of a weekly podcast “Sweet and Salty with Ellen Karis” in its 11th season and is an actress having appeared on Amazon Prime's “The Marvelous Mrs. Maisel” and the Tina Fey's movie “Sisters”. She is also an Author and has published a children's book “Special People: Godparents in the Orthodox Christian Faith”. She is currently working on a one woman show about her Cypriot Great-Grandmother. A former CPA and Wall Street Analyst with an MBA in Finance, Ellen turned her back on yearly bonus' and 401K's for the dream of entertaining people. She only looks back on December 31st of each year when she tallies her Income Statement, other than that she has no regrets. #ellenkaris #comedian #author #specialpeoplegodparents #chrispomay #livewithcdp #barrycullenchevrolet    / @ellenkaris  https://www.ellenkaris.com/  / greekchickcomic  https://beacons.ai/chrisdpomayhttps://www.cameo.com/chrispomay (book a personalized video message) https://www.paypal.com/paypalme/chris... (if you wish to make a contribution to my media work) https://podcasts.apple.com/ca/podcast..https://www.barrycullen.com/ the official sponsor of Live With CDP Sports & Entertainment Talk Show Want to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/54200596...

In this episode of the Smart Wealth & Retirement podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions take a close look at your 401(k) options and how to maximize them for retirement success. They break down 2025 contribution limits—including catch-up provisions for those over 50—while comparing employer-sponsored 401(k)s with alternatives like IRAs, SEP IRAs, SIMPLE IRAs, and even ordinary taxable investment accounts. Jim and Casey share real-world stories from clients, highlight common mistakes, and provide practical strategies to help you build a retirement plan that truly works for you. Want to work with us? Visit: http://retirewithmartin.com/ Learn more: www.planwellretirehappy.com 00:00 Introduction and Welcome 01:02 Why 401(k)s Are a Cornerstone of Retirement Planning 02:40 2025 Contribution Limits & Catch-Up Provisions 05:10 Employer Matches: Don't Leave Free Money Behind 07:45 The Roth vs. Traditional Decision 10:20 Alternatives Beyond the 401(k): IRAs, SEP IRAs, SIMPLE Plans 14:55 Taxable Investment Accounts and Flexibility in Retirement 18:22 Common Mistakes Pre-Retirees Make with Their Savings 21:05 Real-World Stories from Client Experiences 24:50 Putting It All Together: Building a Retirement Savings Strategy 27:33 Closing Thoughts and Next Steps Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Welcome to a new week here on the Retirement Quick Tips podcast! I'm your host, Ashley Micciche. This week on the podcast, we're looking at private equity and cryptocurrencies as investment options in your 401k - is this a big opportunity or a hard pass?  On August 7, 2025, President Trump signed an executive order titled Democratizing Access to Alternative Assets for 401(k) Investors. This order paves the way for allowing 401(k) plans to include alternative investments like cryptocurrency and private investments in 401(k) plans. Which begs the question: Is this a good idea for investors? Alternatives and private investments have a track record of higher fees, illiquidity, and higher risk for investors. Their complexity could create problems and additional risks for investors if 401(k) plan trustees eventually move to add these investments to their plan offerings.  So let's explore this a little more, because you might see these options popping up in your 401ks in the near future, and it's important to think through the potential benefits and risks so you can make the right decision about how to invest your 401k for your retirement.    Next Monday, I'll be back with a new theme - at this point, the Fed will almost certainly lower interest rates when they meet this week, and by the time you're listening to this episode, perhaps they already have. So we'll talk about what that means for inflation, bonds, stocks, mortgage rates, and your retirement next week.    I hope you have a blessed week. My name is Ashley Micciche, this is the Retirement Quick Tips Podcast.

Morgan and Eddie answer listener questions. Will Eddie eat hot dogs again, what about getting a 401K, the ultimate Dallas Cowboys, and his kids having cell phones. Plus, what is it really like having your first kid, and did Morgan ever get her free pair of shoes?See omnystudio.com/listener for privacy information.

No account has more tax benefits than the health savings account. You can make the most of those benefits by managing your HSA wisely. Roger Young, CFP®, discusses some suggestions from a T. Rowe Price report. Also in this episode: -401(k) millionaires are at an all-time high -- how did they do it? -The bond market is having its best year since 2020 -Gold is crushing the Nasdaq and the S&P 500, and Silver is doing even better -What determines your home's cost basis, and how to keep track of all the necessary documents Host: Robert Brokamp Guest: Roger Young Engineer: Dan Boyd 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

On this episode: Has retirement planning become like “the new math”? Inheritance: When you look at your kid and say, “there’s no free lunch.” When all the retirement numbers look good, what are you missing? Be aware of what they might slip into your 401(k) Target Date Fund. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

957. Laura answers a question about using funds in a retirement plan to pay off credit cards and medical debt.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT

The Supreme Court has agreed to hear the case on whether President Trump's Tariff's are legal or must be repealed as has been ruled by two lower Federal courts. The big question - what happens if the Tariffs are deemed illegal and funds collected must be paid back?

You've done it—you hit your retirement number.

Andy and Justin Pritchard from Approach Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: The pros and cons of target date funds ( 11:05 )Their thoughts on the recent presidential executive order allowing private and illiquid investments to be offered inside 401(k) plans ( 23:26 )Can you make up for insufficient retirement savings by investing more aggressively ( 31:51 )Understanding your advisor's succession plan and how to try to make the succession transition successful for you ( 39:35 )Things to consider when firing an advisor or changing advisors ( 46:39 )Whether people should consider getting a living/revocable trust ( 56:22 )Things to consider if you're looking to hold cash in banks in currencies other than US Dollars ( 59:53 )Links in this episode:Justin's firm - Approach FinancialJustin's YouTube channel - Justin Pritchard, CFP® on RetirementTo send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

After a year of pressure to cut rates, the Fed seems poised to lower rates by 0.25%-0.50% next week. Peter and Charlie discuss the logic behind this imminent rate cut as well as the likelihood of a recession and the biggest risk for investors. Plus, is rising unemployment from a cycle low a signal or just noise?

Choosing between a traditional 401k and a Roth 401k is one of the most common questions workers face today. With more employers now offering both options, many people default to a 50/50 split simply because they don't know what else to do. But is that really the best strategy? And how do you figure out the right mix for your situation?   Here's some of what we discuss in this episode:

Planning for retirement comes with a flood of questions, some about taxes, others about investments, and often about protecting your family. Today, Don breaks down New Jersey's new property tax relief program, explains how it bundles multiple programs into one, and shares what you need to know before the October 31st deadline. Don also weighs in on life insurance, when it's a useful tool for family protection and estate planning, and when it's just another aggressive sales pitch. Tune in to hear Don's insights on these topics and more in this week's listener question episode!   Here's some of what we discuss in this episode:

Most people don't feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think. And none of them involve yachts or private jets… Let's analyze the habits that signal real, lasting wealth and what to do if you are (or aren't) on the right track.   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:  Marc: Most people don't feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? Well, a recent article from Kiplinger outlined five surprising signs you might be in better shape than you realize. So let's talk about that this week, here on Plan with the Tax Man.   Welcome into the podcast, folks, as we break things down with Tony Mauro from Tax Doctor Inc., and this week, five signs that you're richer than you think, or at least, I don't know, that's the term it used in this article. I'm going to call it better off, Tony, than we maybe think. I've been talking to advisors like yourself for years, and more times than not, I'd say most advisors say usually about seven out of 10 times, and I'm going to give, maybe not so super specific, but people come in looking at that initial consultation wondering, am I okay? Right? That's the big question. And more times than not, advisors say people are in better shape than they realize. Is that what you see as well in your practice?   Tony Mauro: I'd say generally that, yes. They're not, I believe, where they want to be.   Marc: Sure.   Tony Mauro: Because obviously, they wouldn't be in there, but they're better off than they think. We seldom see somebody that's so far behind that it's impossible to...   Marc: Right, right. And I think that's the catch, right? It's kind of like going to the dentist. We all kind of go... Not to equate your stuff to the dentist, but unfortunately, it's a good analogy. People go, "I need to go, but I don't want to go, because I really don't like it." And then you wait until you've got a real problem and then it's a bigger pain. And so I think a lot of times people think, "Ah, I need to go see a financial professional, but I don't want to because going to give me bad news." And more times than not, again, people are in better shape than they realize.   So, let's run through this report. We'll put a link in the show description here for folks if they want to check it out. And we'll just do a real simple of these five signs. Where are you at? How are you guys doing with this stuff? So number one, Tony, is emergency fund. Have you prepared one? And I think COVID certainly highlighted the need for this for many people, when you were losing jobs, or not being allowed to come in, and weren't getting paid, or reduced pay, maybe put a squeeze on you if you didn't have that emergency fund.   Tony Mauro: Yeah, and this is the first question we ask clients when we're data gathering and whatnot, is to, if they have this. And most don't. Most don't. Most have heard about it, they've never done it, or they've tried it and just basically robbed it and never went back to it. But obviously, most of this types of advice, most planners are going to give you the same thing. You've got to get something like this in place before you can start investing for the future, because of things like job losses, everything that related with COVID, somebody's sick, that kind of thing. So, once you get that kind of stability, then we can kind of move on. Now, we don't have to make you wait to start doing planning until you have six months of expenses saved up.   Marc: Right. Great point. Yeah. Yeah.   Tony Mauro: It can take several years. But we got to get you at least working on it, even if it's $50, $100 bucks a month, to get money in there. And then the other thing is, I ask them, I said, "Do you even know what a month or two of expenses are?" Or do you just look at that checkbook and say, "Oh, well, we've got a little more money this month, we can spend it, and then we got to quit spending." And that goes to just personal finance there. But you've got to know those two things, and you got to get along that path.   Marc: I think the article goes on to say that the average American has about $1000 saved.   Tony Mauro: $1000 bucks.   Marc: Yeah. That's probably not going to get it done. So you got to work your way, like you said, into some sort of a groove there. And I know there's some debate back and forth about once you're retired, do you really need emergency fund? Because you are not working, so therefore you're 401 and all your different nest egg is really the emergency fund, I suppose. But while you're building up to retirement, you certainly want to have that emergency fund there.   Tony Mauro: Yes.   Marc: All right, number two on the list was, you live below your means. I'll throw in, you live within your means. I think below or within, especially in today's environment. If you can do within your means, I think again, these are steps, signs that you're doing pretty good.   Tony Mauro: And this is right out of probably the Millionaire Next Door book, or a chapter of it, is you must know, in my mind, of course, what you got coming in for your income, and then of course, a good idea of what your monthly outflows, are or your expenses. That's what we're talking about here, is living within or below your means. You still have money left at the end of every month, or at least at zero, and you're not going into the negative.   And this assumes that nothing bad or unusual is happening, but if you're in a negative every month, that means you have a spending problem, and you are not living within your means. And that's something we got to curtail, because there's no way you're going to be able to save. You come into us and say, "Hey, I've got to start saving for retirement," and we look at that and you're in a negative pretty much every month, we've got to make some changes immediately before we can start saving, because you don't even have any money to pay your bills, let alone if you get behind, which we just talked about, lose a job. How are you going to invest for retirement?   But yeah, it is definitely something that if you are living within your means, or even better, below, then you are going to be in great... I don't want to say great shape, to automatically have a great retirement. You still got to save.   Marc: Right. It's a big help, though. It's a big help.   Tony Mauro: Yeah, it's a big, big help.   Marc: Because lifestyle creep is a thing. I mean, as we make more money, we kind of want a few more things, and it's totally understandable. You work hard, blah, blah, blah, but you got to be careful not to get out of control. I was just reading something the other day, Tony, I'm not sure if you're a Gen X-er like me. I think you are. But it says Gen X-ers are most in debt right now, on an average of about $157,000, with vehicle debt being a big piece of it. That wasn't even including the house. So you got to get that stuff under control, and living within your means or below it, either way, is a good milestone there, a good marker for financial health.   Tony Mauro: I agree. I think before we leave that topic, it amazes me how many clients that they'll shop around and really feel good about trying to find whatever they're buying at the lowest price, and then they'll put it on a credit card, and they don't pay the credit card off. And I say, "But let me ask you, if you went into that same thing, just going to buy it and you're going to pay three times what they're asking for, would you do it?" And they say, "Absolutely not."   Marc: You wouldn't do it. Absolutely not.   Tony Mauro: "Absolutely not. I'm not doing that. I shopped for deals." I said, "But you really aren't getting any deal, because who knows how long you're going to take?"   Marc: You're just not paying the retail place or whatever the money because you got it cheaper, but you're paying the credit card company money.   Tony Mauro: You're paying the credit card company. So we find a lot of people with a lot of debt because of that.   Marc: That's a great point.   Tony Mauro: It just kind of goes along about that. You got to pay cash for things if possible, except for the few big things in life, because otherwise, generally that's a problem.   Marc: That's a fantastic point. It's very simple to overlook. You think, well, I kind of need to get this new... My computer's acting up for work, or whatever, and I got to get this new computer, and I need to finance it, but I'm going to shop around for the best deal. And maybe that's a higher dollar amount. Maybe you do need to finance it, but if you could save for it and just pay cash, you're just better off. You're just saving money. To your point, yeah, house, car, really big stuff makes sense, you may have to finance.   Tony Mauro: Big stuff, yeah.   Marc: Yeah. All right, number three, you invest strategically. Whether it's your workplace plan or whatever, you got a strategy, versus just, well, I threw it in the 2040 fund because my year to retire.   Tony Mauro: And I think people that, they have a head start when they come in and they say, look, I've got... Even if they've got three or four 401Ks from different employers, they're constantly investing in their current employers, whatever they have. Some of them are doing a Roth on their own, which is fantastic. It doesn't even, to us, matter as much of what they have it invested in, unless it's just all cash and they're really young or something like that, obviously we're going to advise them. But if they're already doing that strategically, they're well ahead of the game because putting money away, and if we can solve those first two problems, if they have them, then great. But that's just a sign that, yeah, they've got a great start on things, and once they get a good plan in place and can see the end goal, then they start feeling, you know what, this is achievable.   Marc: Yeah, right, exactly. It's like, hmm, I like that. Yeah, good stuff indeed. All right, well we're running through, again, these signs that you are in better shape than you realize. So we've got a couple more here to go. And again, check the link if you'd like to kind of read this article from Kiplinger.   You have multiple income streams, Tony. So it's not just, we all know diversification is the name of the game. We have that conversation all the time. But having more than one income stream, or even two. Some people will go, "Well, I've got my 401K, we're going to turn that into one, and then I've got social security, that's two. So I've got multiple." Well, yeah, okay. But what about some others?   Tony Mauro: Yeah, some others, I mean, even during the working years could be either... Could be as simple as a part-time job. It could be you've got a little side gig going on your own, a little business selling whatever you're doing, whether it's a service or actual goods. Could be rentals. We've had rentals since I was 20 years old, and it's good passive income now. All of this stuff comes with issues, meaning that it's just not free income and you don't have to do anything for it. But if you've got multiple income streams, I think it's better.   Yeah, it causes a little more, maybe stress in your life, maybe a little more to-do's. But at the end of the day, one, you're going to hopefully be making more money, and two, if something goes bad with the main gig, I call it, well, you've got at least a little income coming in from something while you figure it out. So I think it's always good to take a look at, especially today, I tell my son a lot, with AI, the way it's going and whatnot, it's just changing so fast. You got to be prepared to make some changes and try to earn money from different sources.   Marc: For sure. For sure. Yeah. Whether it's rental property or whatever else, but definitely just having those multiple income streams can go a long way towards, again, putting you in better shape than you might realize.   And then the final one, Tony, and you kind of touched on a little bit when we were talking about investing strategically, but just in general, the article talks about focusing on the long-term. How does your mindset and your behavior reflect with that? I think folks who are definitely thinking, especially sooner than later, 50-plus, you start really thinking long-term, that's going to help you out.   Tony Mauro: Yeah, and I like the fact that when clients come to see us and we give them a little quiz right off the bat, and if they answer it, whether they're nonstop watching TV and listening to the news and reacting to this short-term stuff, or whatever it may be, it's usually negative. And so, if they panic every time they're doing that and they're not focused on the long-term, for us, that's kind of a landmine. We have to try to talk them out of that if they're going to work with us. Versus a person comes in and says, "I've been doing all these things for years. I really don't pay attention to the news and I just keep putting money in and it's done fairly well for me." That's kind of more of the focus you want. With some, especially with an advisor, if you're meeting with them once or more a year, they're going to be able to help you and tell you what you have been doing. But you definitely want to keep a long-term perspective on things.   Marc: Yeah, and I think helping and having that long-term plan, again, sooner than later, gives you that runway that we need to plan out the stuff that we want to do. The new passing of the tax code and everything helped. Again, we talked about it the last couple of weeks, helped advisors. At least, if nothing else, whether you agree with it or don't agree with it, now you at least know what's ahead of you from a strategic planning standpoint for taxation and so on and so forth. And so, all of that kind of lends into just having a good cohesive strategy to get you to and through your retirement goal.   So, if you need some help, reach out to Tony. Hopefully, if you're doing some of these things, that makes you feel pretty good. You realize that maybe you're already on the right path. But find out, right? Run the numbers and see where you stand and what kind of work you need to do. Everybody can use a little bit of work, but sometimes people overreact, I think, and think, oh, if I go see an advisor, it's going to be some major overhaul to my life. And maybe it is, depending on what you've done, but a lot of times it's little tweaks, right? Little tweaks goes a long way.   So, get on the calendar, folks. YourPlanningPros.com. YourPlanningPros.com to schedule some time with Tony and his team at Tax Doctor Inc. And don't forget to subscribe to us on Apple or Spotify, whatever podcasting app you enjoy using, to catch future episodes when they come out. Tony, my friend, thanks for breaking it down and hanging out with us. Always appreciate your time.   Tony Mauro: All right, we'll talk to you on the next show.   Marc: We will see you next time here, we'll get into, as the year's winding down, we'll be almost into the fourth quarter on the next couple episodes coming up. So if you've got some questions, need some help, again, reach out to Tony, YourPlanningPros.com. We'll see you next time here on Plan with the Tax Man. Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

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

I am in the Roth camp for sure, but is there ever a reason to choose a brokerage account over a pre-tax 401(k)? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In this episode, host Keith Newman welcomes Carine Schneider, founding partner at Compass Strategic Advisors and longtime advocate for broader access to private markets.Carine shares her journey from PwC to leading cap table companies and advising global firms, and why she believes the time is right to rethink private market access. She discusses the updates to her book The Democratization of Private Markets, highlighting:- Why she felt compelled to rewrite it just a few years after the first edition.- How the UK's new PISCES framework could inspire U.S. market reform.- Recent U.S. policy changes, including executive orders allowing 401Ks to invest in private assets.- The ongoing debate: Should private markets remain restricted to professionals, or should everyday investors have access?Along the way, Carine also opens up about her personal milestones, including an upcoming family trip to Hawaii, reminding us that behind market shifts are human stories.Whether you're an investor, policymaker, or simply curious about the future of private capital, this conversation offers a timely look at where the industry is heading.

Ready to unlock the secrets of where your investments should live? Joshua Barbin dives into the differences between IRAs, 401(k)s, and brokerage accounts, revealing how asset location can impact your financial future. Discover the pros and cons of traditional vs. Roth IRAs, the power of employer matches, and smart strategies for maximizing retirement savings—all in clear, actionable language Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Support the show

While most of us wait until January to make financial resolutions, fall is actually one of the smartest times to review your finances, especially your 401(k). Deadlines are coming up, new legislation is on the horizon, and for many of us, this is when employers open enrollment and nudge us to re-evaluate our benefits. I'm joined by Tess Waresmith, accredited financial counselor, investing educator, and founder of Wealth with Tess. Tess has a gift for breaking down the intimidating world of investing into simple, actionable steps that help everyday people build long-term wealth. She's here to walk us through what the recent headlines about crypto and alternative assets in 401(k)s really mean, how to make sure your account is working for you, and the strategies she believes are most important as we close out the year.Learn more about Tess:WealthWithTess.comFollow on InstagramOn Tuesday, September 30th, I'll be teaching my Investing Workshop—a live class where I'll pull back the curtain on exactly how I invest and the rules I follow. You'll get to see my process in action and walk away with clear strategies you can use. If you'd like to join me, head to SoMoneyWorkshop.com to reserve your spot. Hosted on Acast. See acast.com/privacy for more information.

In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Americans, income thresholds where traditional 401ks beat Roth options (24-30% marginal rates), saving for kids' expenses using the five-year investment rule, emergency fund storage as rates drop, and comprehensive pension planning beyond just relying on guaranteed payments. Today we are going to answer these questions: Do you get taxed when moving money from one investment to another inside the same account? How does tax-loss harvesting work? Most retirement rules I've seen state that you want 75 to 80% of your pre-retirement income. Is that before or after taxes? Should you max out a Roth 401(k) in the first quarter of the year because of the lower marginal tax rate? At what annual income should someone avoid a Roth 401(k) and do traditional for tax purposes? Putting money away for kids' wedding, cars, etc.—for when they get older. HYSA or brokerage? What are the best high-yield ways to store an emergency fund? How to plan for retirement with a pension?   How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode:  tax loss harvesting,  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel   Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Allie and Quint talk about where to put retirement savings.

This week on Not Your Average Insights, JWB Co-Founder Gregg Cohen and host Pablo Gonzalez discuss President Trump's landmark executive order that opens the door for Americans to invest their 401(k) retirement savings in alternative assets like cryptocurrency, private equity, and real estate along with other interesting headlines for real estate investors.We'll explore:- How will this executive order affect the investment real estate market?- What the rise in age of 1st time home buyers means for the housing market- Why professional sports franchises are becoming sophisticated real estate investorsListen NOW!Chapters:00:00 Introduction and Overview00:06 Executive Orders and 401k Investments00:26 Football Season and Stadium Deals01:48 Welcome to the Show02:28 Alternative Assets in 401k Plans03:05 Real Estate vs. Other Investments05:20 Challenges and Opportunities in Real Estate08:00 JWB's Business Model and Fund Structures16:42 Median Age of Home Buyers17:24 Affordability Challenges and Solutions18:45 Investing in Workforce Housing19:19 The Importance of Home Ownership24:49 Encouraging Young People to Invest29:08 Understanding Real Estate Affordability29:34 Teaching Kids About Real Estate30:11 The Importance of Financial Education for Kids30:43 The Role of Relationships and Education in Real Estate31:24 Challenges and Opportunities in Real Estate Investment32:22 Discussing Real Estate with Kids33:36 Community Shares and Foreign Investment34:17 The Economic Impact of Professional Sports Teams35:21 Stadium Deals: Downtown vs. Suburban42:03 Jacksonville's Stadium Renovation and Economic Growth49:14 Addressing Real Estate Taxes and Affordability53:56 Future Topics and Closing RemarksStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Even with regulatory barriers to including alternative assets such as private equity in defined contribution plans being removed by the Trump administration, many advisors, plan sponsors and fiduciaries are understandably hesitant to jump in.To get a better idea of what private equity investments can bring to the table, we speak with Maura Reilly Kennedy and Michelle Rappa of investment manager Neuberger Berman, a pair of highly accomplished subject matter experts when it comes to private equity and its defined contribution investment capabilities.Reilly Kennedy and Rappa talk through some innovative structures seeking to make these investments more accessible and practical for retirement savers.Key InsightsRegulatory Shift Opens Door to AlternativesA new executive order and the rollback of prior DOL guidance mark a major policy shift, signaling broader access to private equity in 401(k) plans. This regulatory momentum is encouraging plan sponsors to seriously consider alternative investments.Private Equity in 401(k)s Boosts OutcomesNeuberger Berman's research shows that adding just a 10% private equity allocation to a target-date fund can improve returns, reduce risk, and increase monthly retirement income by as much as 19%, offering meaningful impact on participant outcomes.Industry Innovation Addresses Past HurdlesInnovative structures like evergreen funds and DC-friendly wrappers (e.g., CITs) are solving challenges like illiquidity, fees, and complexity—making private markets more accessible and practical for defined contribution plans.

Join Chris Kaminski & Hao Dang as they discuss:➡️The jobs report keeps missing, putting more pressure on the Fed➡️Travel data is slowing➡️Alternatives in 401(k) plansTo learn more about us or stay in the loop, visit www.consiliowealth.comDo you work at Microsoft, Amazon, Meta, or Google? Check out our free benefits guidesSubmit a question to team@consiliowealth.comwww.consiliowealth.com/disclosures 

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then we're really doing something wrong! 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®, CPWA®; Air Date: 9/4/2025; 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.

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

In this episode of Retire Fit Radio, Nathan Fort discusses the unique challenges and opportunities facing Generation X as they approach retirement. With many Gen Xers now nearing 60, the conversation focuses on the importance of transitioning from saving to strategic planning, understanding tax efficiency, and the significance of having a clear cash flow strategy. Nathan emphasizes that retirement is not just about reaching a certain age but about having the freedom to live life on one's own terms. The episode also explores the risks of having 'lazy money' and the need for income-producing assets to ensure financial stability in retirement. Real-life scenarios are presented to illustrate common retirement challenges and the importance of personalized planning. If you have any questions concerning your retirement call Nathan Fort 800-890-5008 or click here to visit our website. Retiring, Planning, Saving, Healthcare, 401K, Roth, TaxesSee omnystudio.com/listener for privacy information.

Discover why 401k millionaires hit an all-time high. Are you on track for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest can make the biggest difference to your financial freedom and lifestyle. If you invested well for the long-term, what a difference it would make because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INVESTING IS WHAT THE BE WEALTHY & SMART VIP EXPERIENCE IS ALL ABOUT - Invest in digital assets and stock ETFs for potential high compounding rates - Receive an Asset Allocation model with ticker symbols and what % to invest -Monthly LIVE investment webinars with Linda 10 months per year, with Q & A -Private VIP Facebook group with daily community interaction -Weekly investment commentary -Extra educational wealth classes available -Pay once, have lifetime access! NO recurring fees. -US and foreign investors are welcome -No minimum $ amount to invest -Tech Team available for digital assets (for hire per hour) For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any recurring fees. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or set up a complimentary conversation to answer your questions about the Be Wealthy & Smart VIP Experience. Request an appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed LINDA'S WEALTH BOOKS 1. Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". 2. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning.  SPECIAL DEALS #Ad Apply for a Gemini credit card and get FREE XRP back (or any crypto you choose) when you use the card. Charge $3000 in first 90 days and earn $200 in crypto rewards when you use this link to apply and are approved: https://tinyurl.com/geminixrp This is a credit card, NOT a debit card. There are great rewards. Set your choice to EARN FREE XRP! #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (This post contains affiliate links. If you click on a link and make a purchase, I may receive a commission. There is no additional cost to you.)

Most of us assume our 401k plans are free because we never see a bill. But hidden fees—record keeping, custodial, administration, and advisory costs—can silently erode your retirement savings over time. In this episode, Dr. Disha Spath sits down with forensic 401k consultant Paul Sippel to uncover how these costs work, why they're so hard to detect, and practical steps you can take to protect your wealth. If you're a physician, business owner, or employee relying on your 401k for retirement, this conversation is a must-listen! Key Topics Covered: 1. The Hidden Price of 401K Why most employees (and even physicians) don't realize how much retirement fees are costing them 2. Decoding the Fee Structure Custodial, record keeping, administration and advisory charges explained by Paul 3. So Who Really Pays the Bill? How physicians often carry a bigger share of plan costs than their staff. 4. Defining a “reasonable” costs Benchmarks to know if your plan fees are fair or quietly draining your bank account. 5. Beware of the Transparency Trap Why statements rarely show the true expense and how the industry profits from the confusion 6. Proven Strategies to Lower the Fees From negotiating employer-level billing to exploring self-directed brokerage accounts. Listener Takeaways: If you've never seen a bill for your 401k, that doesn't mean it's free—the fees are just hidden. Even “small” percentages in fees can compound into massive retirement losses over time. Physicians are often subsidizing their staff's 401k costs without realizing it. Shifting fees to the employer level creates more fairness and bigger savings potential. You have the tools to uncover and reduce your 401k fees—knowledge equals real money saved. Resources Mentioned: Chatgpt Department of Labor's www.efast.dol.gov  FreeERISA   Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Paul Sippel, 401k Forensic Consultant 

Episode 606: Thinking about long-term care? John and Justin explain how evaluating your resources may show you don't need a policy at all. Then, the Money Doctors outline six ways that cutting 401(k) contributions might feel like relief today, but could jeopardize your retirement tomorrow.

Learn when a refi saves money and how target-date funds work, including fees and when to pick a later fund year. What exactly is a target-date fund, and when should you move your date? How do you know if now is a good time to refinance a house? Hosts Sean Pyles and Elizabeth Ayoola discuss mortgage refinancing and target-date funds to help you understand how to quantify savings on a refi and how to set (and adjust) an age-appropriate retirement glide path. To kick off the episode, NerdWallet senior news writer Anna Helhoski joins with mortgages and student loans writer Kate Wood and mortgage reporter Holden Lewis to break down why refis are spiking even without fresh Federal Reserve cuts, who's most likely to benefit right now, and how markets (not just the Fed) drive daily mortgage rate moves. They begin with a discussion of rate-and-term vs. cash-out refinancing, with tips and tricks on calculating your breakeven point, using the ~0.75 percentage-point rule-of-thumb for potential savings, and factoring in 2% to 6% closing costs and how long you'll stay put. Then, investing Nerd June Sham joins Sean and Elizabeth to discuss target-date funds. They discuss how glide paths work (to vs. through retirement), when to push your target year if you'll work longer, and how fees compare with index funds/ETFs, plus contribution frameworks (10% to 15% of income vs. the “80% replacement” rule) and why many hands-off investors value auto-rebalancing despite higher expense ratios. A listener case study (age 35, 2055 fund) highlights how to revisit your target date in the decade before retirement, how to read a fund's glide path, and why staying invested and consistent often matters more than chasing perfect timing. Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In this episode, the Nerds discuss: mortgage refinance, refinance calculator, mortgage rates today, breakeven point refinance, cash-out refinance, HELOC vs cash-out, refinance closing costs, when to refinance, refinance vs home equity loan, bond market and mortgage rates, Federal Reserve and mortgage rates, target-date fund, best target-date funds, target-date fund glide path, to vs through glide path, 401k target-date fund, change target-date fund year, 2055 target-date fund, target-date fund fees, expense ratio comparison, ETF vs mutual fund, index funds S&P 500, retirement contribution 10 to 15 percent, 80 percent income replacement rule, taxable brokerage vs 401k, annuity vs staying invested, debt consolidation with home equity, credit card APR vs mortgage rate, divorce refinance requirements, stay-or-sell breakeven analysis, and refinance eligibility 2025. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

This episode features a large news slate: Record numbers of retirement savers are now 401(k) or IRA millionaires, the NY Giants are to sell a stake to the Kochs, and Tesla opens its Robotaxi app to the public. QOTW: Rapid fire https://www.instagram.com/delano.saporu/?hl=en. Connect with me here also: https://newstreetadvisorsgroup.com/social/. Want to support the show? Feel free to do so here! https://anchor.fm/delano-saporu4/support. Thank you for listening.

Longevity Talks is a special Wealthy Wellthy Podcast series leading up to the Wealth & Wellness Longevity Retreat, September 26–28 in Park City, UT.In each conversation, Krisstina Wise sits down with the experts who will be joining her live on stage. Together, they reveal the strategies, systems, and mindsets that build not only financial wealth but also the health and longevity to enjoy it.You'll hear powerful insights on:Wealth creation — real estate investing, infinite banking, and true passive incomWellness & performance — the latest science on energy, recovery, and vitalityLongevity & lifestyle design — how to extend your health span to match your wealth spanEvery talk is a preview of the breakthroughs and connections awaiting you at the Retreat.

Think you know how much people save for retirement?The median American over 65 has just $100,000 saved, yet the average household spends $57,000 a year in retirement, with $20,000 going to housing alone. The math doesn't work.At Root Financial, most clients retire with $2–3M and plan to spend $100K–$200K annually. That's not about bragging. It's a reminder that if you're here, you're likely already thinking beyond the basics.Rules like “save 10%” or “withdraw 3%” don't fit everyone. The difference between struggling and thriving often comes down to advanced planning—tax strategy, investment allocation, Roth conversions, and estate design. For many, the real risk isn't running out of money, it's missing opportunities out of excessive caution.Know where you stand relative to the averages and to your own vision.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

On this Ask Suze & KT Anything episode, KT asks Suze your questions about paying off your mortgage, survivor Social Security benefits, why you need the full suite of Must-Have-Documents and so much more. Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Try your hand at Can I Afford It on Suze’s YouTube Channel Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.