Podcasts about 401k

Bold ideas are flying around Washington, but not all of them solve the real problem. In this episode, Ron Phillips breaks down a proposed plan to allow Americans to use their 401(k) funds to buy a home. While the idea sounds helpful on the surface, Ron explains why removing early withdrawal penalties doesn't fix affordability—and could actually make it worse. He walks through the tax implications, supply constraints, equity mechanics, and why government policies continue to miss the mark on housing costs, even when intentions are good.   WHAT YOU'LL LEARN FROM THIS EPISODE   What the proposal to use 401(k) funds for home purchases actually allows How 401(k) loans already exist—and why this idea may not be better The difference between personal residences and self-directed real estate investing Why increased access to money worsens affordability when supply is constrained 2 ingenious ways to outperform traditional market returns   CONNECT WITH US: If you need help with anything in real estate, please email invest@rpcinvest.com  Reach Ron: RP Capital Leave podcast reviews and topic suggestions: iTunes Subscribe and get additional info: Get Real Estate Success Facebook Group: Cash Flow Property Facebook Community Instagram: @ronphillips_ YouTube: RpCapital Get the latest trends and insights: RP Capital Newsletter  

Home prices remain high, mortgage rates are volatile, and for many buyers the biggest hurdle isn't the payment — it's the down payment. A new housing affordability idea reportedly being discussed by President Trump's administration could change that. The proposal would allow Americans to tap their 401(k) retirement accounts to help fund a home purchase or down payment, potentially without the usual 10% early-withdrawal penalty. In this episode of Real Estate News for Investors, Kathy Fettke breaks down what's being proposed, how 401(k) loans and withdrawals work today, and why financial planners and retirement experts are raising serious concerns. From retirement short falls and lost compounding to questions around taxes, repayment, and home equity, this idea may carry far more risk than it appears on the surface. Is this a smart path to homeownership — or a costly trade-off for long-term wealth? Stay informed before policy turns into reality.

Protect your identity from tax-season scams and learn when 401(k) and IRA rollovers make sense. How do you roll over old 401(k)s and IRAs? And is a mega backdoor Roth worth the hassle? Hosts Sean Pyles and Elizabeth Ayoola answer listener questions about retirement account rollovers, including when consolidation can help and how to avoid common missteps. But first, they kick off Identity Theft Awareness Week (and tax season) with a refresher on how you can protect your data, including pausing before you click or pay, updating passwords and tightening account security, and recognizing common scam tactics like fake websites, IRS impostors, smishing, and AI-powered impersonation. Then, investing Nerd Sam Taube joins Sean and Elizabeth for a lightning round all about retirement account rollovers. They answer listener questions about whether to roll over and consolidate multiple old 401(k) accounts, whether a mega backdoor Roth is worth the hassle and potential tax complexity, whether consolidating multiple IRAs is likely to boost returns or mainly simplify finances, and whether rollover IRAs have the same bankruptcy and creditor protections as 401(k)s. Links discussed in this episode:  Report fraud through the FTC: https://reportfraud.ftc.gov/ 5 Low-Cost Target-Date Funds for 2026 https://www.nerdwallet.com/investing/learn/what-is-a-target-date-fund-and-when-should-you-invest-in-one  Mutual Fund Calculator: Growth and Fees https://www.nerdwallet.com/investing/calculators/mutual-fund-calculator  Best IRA Accounts for 2026 https://www.nerdwallet.com/retirement/best/ira-accounts  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 their conversation, the Nerds discuss: tax season scams, identity theft, phishing scams, smishing, gift card draining, fake websites, IRS impostor scam, government impostor scam, emergency scam, bogus debt scam, employment scams, AI scams, voice cloning, deepfake scams, data breaches, mail theft, public Wi-Fi risks, password updates, credit report monitoring, billing statement review, Federal Trade Commission, reporting fraud, 401(k) rollover, IRA rollover, consolidating retirement accounts, legacy 401(k)s, target-date funds, expense ratios, mutual fund screener, after-tax 401(k) contributions, employer match, mega backdoor Roth, Roth conversion, pro-rata rule, taxes on investment gains, conversion limits, managed accounts vs self-directed investing, robo-advisor investing, beneficiary organization, bankruptcy protection, creditor protection, and rollover IRA protections. 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

What happens when you stop playing it safe and trust your inner knowing? In this episode of the Thrive State Podcast, Dr. Kien Vuu sits down with Robin Switzer, founder and CEO of Hack Your Health, to explore what it really means to bet on yourself and turn personal healing into a global movement. Robin shares her deeply personal journey from metabolic dysfunction, emotional eating, and identity patterns that no longer served her, to becoming a trusted leader in the health optimization space. Along the way, she reveals the hidden tax of disconnection, the courage required to follow intuition when logic says play it safe, and why learning to pause may be the most powerful medicine of our time. After COVID, when many would have walked away, Robin faced one of her most defining moments. She lost a business partner and chose to use her own 401K to keep the mission alive. There was no safety net, only conviction. This conversation is about becoming. It is about choosing purpose over fear, listening to your inner guidance, and leading with clarity in uncertain times. In this episode, you will learn: The Power of the Pause: How creating space between stimulus and response restores clarity and agency Identity Before Biology: Why lasting healing starts beyond weight, diets, and symptoms From Healing to Mission: How trusting intuition can transform personal struggle into collective impact Resources:

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Ted Benna, the father of the 401(k) -- who first recognized the potential in Section 401(k) of the tax code to boost retirement savings and who developed the first plan -- ax code, he recognized its potential and developed the first plan -- says that the Trump Administration's proposed plan to allow 401(k) savers to put some of their monies toward home down payments is a positive change that is overdue. He is not worried that the change will somehow endanger savers or widen the retirement crisis and notes that the change would make rules consistent across various types of tax-advantaged retirement accounts. Benna also discusses the Radish Plan, his new vision for how 401k plans can be used by employers to create incentives that boost employee-retention and productivity. John Cole Scott, president of CEF Advisors, reviews the key takeaways from his firm's fourth-quarter review of action in the closed-end fund industry, focusing on fund consolidation trends that have occurred in the middle of booming asset growth for the industry, as well as discount levels and whether narrowing discounts set up 2026 for more muted results.  A day after joining Chuck to discuss his new book "Your Perfect Portfolio: The Ultimate Guide to Using the World's Most Powerful Investment Strategies," Cullen Roche of the Discipline Funds puts his personal disciplines and preferred investment strategies to work talking ETFs in the Market Call.

With the markets once again experiencing volatility, Peter and Charlie walk through what's causing fear today and discuss what investors should expect in terms of volatility, corrections and drawdowns. Plus, learn what you should do when these periods occur.

Federal retirement planning shouldn't start when you're filling out the retirement packet — by then, you're making lifetime decisions under a deadline. Planning early gives you time to align your benefits with your goals.Learn how to complete your federal retirement paperwork accurately, understand benefit elections, TSP options, survivor benefits, and the retirement submission process before you're up against the clock.We offer you a FREE 15-minute call to ask questions and start understanding whether you have a real retirement plan or just the idea of one. Schedule here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre You “Shutdown-Proof” for Retirement?, find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

As we enter into this new phase of abundance it's so important to remember to do your due diligence.    Just because someone has something for you to buy into doesn't mean it's guaranteed to return.    Before you jump into investments in this season of abundance, be sure to research.    Ask questions.     Ask more questions.    Verify.     Ask questions again.    Ask for proof.    Verify again.    And as it pertains to funds, those who are fund raising are not in the refunding business and many times they tell you up front there is no guarantee of a return on your investment.    Stay sharp.    Stay liquid.    Start a 401K or an IRA for yourself that way if you have to liquidate, you can flow money back to you with ease.    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

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Hour 4 continues with Taylor Riggs discussing the complexities of the housing market, including the impact of limiting institutional investors and the interplay between interest rates, home prices, and supply shortages. She breaks down President Trump's executive orders on housing and 401(k) withdrawals for first-time homebuyers, emphasizing the long-term implications for Americans' savings and retirement planning. Riggs also analyzes market reactions to Trump's tariff threats and Greenland remarks, providing practical advice on navigating short-term volatility. The conversation balances policy, economic strategy, and common-sense guidance for everyday Americans. #MarcCoxShow #TaylorRiggs #HousingMarket #401k #Trump #ExecutiveOrders #InterestRates #MarketInsights #TalkRadio

After rebuilding her life from divorce and financial uncertainty, Pav Lertjitbanjong shares why job security is often an illusion—and what actually creates peace of mind. In this conversation, Pav explains how becoming layoff ready is about strategically creating options for yourself before you're forced to make a change. She breaks down the three numbers that bring clarity to financial decisions and why waiting for security keeps people stuck. This episode is a grounded look at what it really means to layoff-proof your life. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How Pav found clarity after emotional overwhelm.Pav's own strategic approach to paying off her debt.What layoff proofing your life truly means for your future.Why job security is an illusion but career resilience is not.Three numbers everyone needs to feel financially prepared.Episode References/Links:Pav Lertjitbanjong's Website - https://www.pavness.comPav Lertjitbanjong's Tiktok - https://www.tiktok.com/@momentsofresetPavness YouTube Channel - https://www.youtube.com/@PavnessLabPav Lertjitbanjong's Instagram - https://www.instagram.com/pavnesslabGuest Bio:Pav Lertjitbanjong is a marketing and brand strategist with more than two decades of experience leading strategy for global, billion-dollar brands. She is the creator of PAVNESS, a framework designed to help high-achieving individuals navigate major life transitions with clarity, courage, and intention. Known for turning complex strategy into clear, human-centered stories, Pav's work lives at the intersection of brand positioning, personal reinvention, and meaningful messaging. Her approach is shaped not just by her professional background, but by her own experience rebuilding her life through uncertainty and change. Pav believes true success is not defined by titles, revenue, or external validation, but by alignment and the confidence to be fully seen. Today, she helps leaders and creators reconnect with who they are becoming—both in business and in life. Her story is a reminder that clarity comes from honesty, and bold moves often begin quietly. If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! 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So now I teach people how to take control of their money and rebound from any situation without overwhelm.Lesley Logan 0:22  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Lesley Logan 1:05  All right, Be It babe, this is a interesting conversation you're about to hear, because I really was super intrigued by our guests today. I got to meet them several months ago, talk about what they're excited to do. They have actually been a listener of the Be It Pod for a really long time. They've been being it till they see it. And that's literally why they are sharing what they're doing right now. And so I'm super excited for you to hear about Pav and being layoff, layoff ready, right? And I think that's you might be thinking, wow, aren't talking about laying on, getting laid off? You guys, we have to. We have to. Some of you in your be it till you see it might have to be laid off, or might get laid off, or might want to be laid off. So, so I think this is a really cool conversation of like preparedness and also, like honesty about what is life? What is the life we want? Like, have we been honest with ourselves? And when I got off the comic path, we talked about confidence a little bit, and so it wasn't recorded. So I kind of want to just like, bring this in and then I want to you to hear this amazing episode from Pav and hear her journey, and hear what she's doing here, so she's helping people, because I think a lot of people are going to need, like, layoff proof their life. So, confidence, you guys, confidence, isn't something you are deemed with. No one gives it to you. It's also not something you go and get. Confidence comes from doing the thing you said you do. So every time you tell yourself you're gonna go for a walk around the block, and then you postpone it to like answer an email, you are actually etching away at your confidence. But if you go and do the walk, then you are increasing your confidence strength. A lot of people think, oh, once I'm more confident, then I will do X. No, do X, and you will become more confident, right? So with that said, thank you, Pav, for that wonderful question. I'm so sorry you guys, wasn't recorded. I hope that little tidbit gets you there, and here's Pav and Layoff Ready. Lesley Logan 3:02  All right, Be It babe, I'm excited, today's topic, I think maybe we've touched on it a little bit in people's stories, but never had like, someone who's expert at it, someone who's, like, truly been through the trenches and come on the other side, and like, has expertise to share with you, and like skill sets and all those things also probably one of the coolest Be It actions I've ever seen someone do. I hope we get into it as well. Pav, you're our guest today, can you tell everyone who you are and what you're rocking at? Pav Lertjitbanjong 3:29  Yes. Hi Lesley, thank you so much for having me. It's been an honor to be here. So I am Pav Lertjitbanjong. I'm the founder of Layoff Ready and a financial resilience mentor. So basically, what I do is I help professionals to help build income security and freedom. And, you know, before that, I was working in corporate, just like most people, and realized that, you know, finally it's the matrix that we kind of, like, you know, onto, like, this hamster wheel, and had this moment and eventually got out of it. So yeah, and I rebuilt my life after divorce, and basically, kind of left me completely shattered financially and emotionally, but I learned how to layoff proof my life, and now I'm, you know, quitting my job and retiring from corporate at 43 years old. So now I teach people how to take control of their money and and, you know, rebound from any situation without overwhelm and fluff.Lesley Logan 4:27  Oh, I love this. First of all, 43 and you're, like, retired. I think you had all of us. I mean, clearly you're working, you create your own thing, but like, you're retired from corporate life. Like, I think a lot of ears perked up, because that's not the option for a lot of people. I do want to take a step back, because I do love that you shared that like you have gone through divorce, you have had to pick up yourself and put all the pieces back together and start over, like a lot of people listening to the show, you know? I mean, I hope we have some Gen Z, but most likely, most of them are a little they're over 40, and we have been. And through things in life, and sometimes we can take it really personally and think there's something wrong with us. How can we go back in time a little bit like, how did you pick the pieces up after divorce? Like, what? What did you do to even get yourself to a place? Because I can't, unless your divorce was 20 years ago, it feels like this all happened very quickly, that you went from divorced and broke to, like, retiring from corporate. Pav Lertjitbanjong 5:22  Yeah and Lesley, thank you so much for asking me this question, and it's the one that I've kind of like pondered for so long, because, you know, like, when we've been through like, such dramatic situation like this, right? Like we don't usually reflect on the lessons that we typically learn from so I thought about that. So basically, okay, let me just maybe backward on, like, okay, my divorce situation. So I've been married for about seven years, and then, you know, things didn't work out. I think part of this now that I have, like, my renewed faith in in God and, you know, the universe, I believe that if you are onto the path that God is not blessing you, that is not your true calling, he will destroy that path. And that resulted into my divorce. And so the moment that I gathered courage to okay, say to myself that okay, I cannot be in this situation anymore. I need to really do something, or I'm gonna spend the rest of my life, you know, crying about it for the life that I have not lived. And just like what you always say, you know, we do it messy, and we, right? Lesley Logan 6:36  Yeah. Life is messy. It's, you can't like it can't not be, you know, like, one of my dear, my first assistants was a doula. She's like, birth is really messy. Pav Lertjitbanjong 6:48  Yeah. But, you know, I think, like, once you focus on something, and then you surrender to God, he will lead the way. That's what I've that I've believed in. So, you know, with my with my divorce, in order for me to get them to get a divorce, the first step, my lawyer said, Okay, you need to get your baseline ready. You need to do budgeting. And I'm like, okay, with an MBA in finance, I didn't know how to do budgeting, which was like, so crazy. And I'll tell you this, like with Layoff Ready, I have worked with some of the clients that are, like, higher up in corporate, and they are the same, I think, like, the higher up you are, you rely so much on like, so called experts to help with your personal life, life, right? Like, because you are so good at what you do, so you don't really, yeah, you you neglect what you need to do for yourself, because you just totally trust experts. And that's kind of how I've always been. So I had to start from the ground up in terms of, okay, like, what exactly is my net worth without my husband or ex husband now? And it took me six months Lesley, not because it was hard in the sense that, like, oh, all the calculation, because I'm like, a number person anyway, but the six months to actually feel the feelings, right? Like, really, gather all the documents and really, okay, this is it. You know, once I submit that paperwork, once I file this, then that's the beginning of the new life unknown.Lesley Logan 8:20  Thank you for sharing that. I think a lot of people don't do things because it really does mean by finishing it, it marks the end, like, that's the end of that, you know, like, whether it's a person who's passed away or a pet that's passed away, like, dealing with the their toys and the dog beds, whatever it is, like, once it's gone, it's like, well, they're really gone. Like, there's not even a sign of them around here. So like going through and figuring it out, like I can see why you would want to take six months, not because the numbers are hard, but because it's hard. It's just hard. Yeah.Pav Lertjitbanjong 8:49  Exactly, Lesley. And I mean, when you talk about pets, you know, I've been through that same situation too, and I am a procrastinator, and that's my new year resolution, which I'm kind of, like slowly getting there. Same thing, like, when, when my two, my two rabbits died from that marriage, you know, they came with me. It also took me six months to, like, clean up everything.Lesley Logan 9:12  Yeah, because it was, like, the last, you know, like the last thing of that, yeah. Well, so, okay, so during the six months, did you do anything to kind of help yourself out? Did you go did you stay home and, like, wallow? Did you go out? Like, how did you, like, take care of yourself and get to know yourself? Was there anything, any Be It Action Items that you did in there? Pav Lertjitbanjong 9:32  Oh my gosh, okay. Like, shamelessly saying, I did absolutely nothing, just like, wallowing, you know, being in, like, my shoe box apartment in New York City, because at the time, I already moved out of my my house, and I didn't really have much in savings at the time, because basically, when you're married, then, you know, things are kind of commingled in a way. So not so much. You know, that was probably one of the darkest time of my life. And you know, back to like what I did, and what did I learn from that, from from like, the whole process was that the power of budgeting that's so important. And let me just tell you this, Lesley, so after that six months, I decided, okay, like, I need to do something. I I'm gonna file that paper and get that budgeting done. Took me one day. Lesley Logan 10:20  Right. Pav Lertjitbanjong 10:21  One day. Lesley Logan 10:22  Right, I know it's really funny, isn't it so funny? Like, I think we can all, like, see ourselves in this I'm like, oh my god, I gotta write that email, or I gotta go to that thing. I gotta go, and then you go it was like, 17 minutes at the DMV that wasn't even that part. Like, it just feels so heavy. Yes, I understand. I understand. Pav Lertjitbanjong 10:38  Yeah. So it took me one day of focus work to get that going and everything. And to my surprise, when, like, back to when we're talking about, like, you know, when we surrender to God, God actually, like, help pave the way for you and I found almost half a million dollars in a hidden 401k account. Lesley Logan 10:59  That's half a million dollars? Pav Lertjitbanjong 11:01  Almost, close to, yeah. Lesley Logan 11:02  Oh my god. Pav Lertjitbanjong 11:04  So when you talk about save it and you forget it, I literally forgotten that. And no joke, like, serious, and.Lesley Logan 11:13  That's, Pav, that's insane. So, like, here you were, like, broke as a joke on a tiny apartment. Procrastinate. I just want to, like, reiterate this so that people, like, stop procrastinating, procrastinating and wallowing all these things. Then you do the paperwork and you have a half a million dollars.Pav Lertjitbanjong 11:30  Yes, close enough. So, so yeah, like, my life literally just kind of changed overnight, you know, with that one power of budgeting. Lesley Logan 11:39  And by then you'd learn how to budget. So that's great. So probably best, probably best. You had to learn how to budget first.Pav Lertjitbanjong 11:46  Exactly, exactly. Yeah. So that was basically like my moment that, you know, my whole life, Lesley, like okay as a woman, and actually not all women, but maybe like the way that I was raised, I always thought that, okay, the only way for me to become a millionaire, to become financially free, I need security of a man to help me.Lesley Logan 12:10  Oh, you're, I mean, I think, first of all, so in the States, women couldn't get their own credit card until, like, their 80s, 1980s right? So, like, like, in my lifetime, right? And I think I can't remember when women were allowed to buy their own homes, but at any the reason why, like, people are always like, oh, there's so much divorce now there's, no, women couldn't leave shitty shit because they couldn't own a home, they couldn't often find work, and they certainly couldn't have a credit card. So like, yeah, Pav, like, we're of the age where, like my mom, like her mom, couldn't, didn't have a credit card when she was of her own right. So my mom is the first person in my family that could have her own money. So I think a lot of us have that, that we're not raised with that. And so what you see around you, because that first generation above you, they all had to go through that. That's how they were raised. So it's completely normal to think that. And I think what's really cool is we've now had 40 something years of it. So it can change where we we all can be billionaires, and then we can marry someone, whether it's a man or woman who also is a millionaire, and then we can have more money that we can do good things with.Pav Lertjitbanjong 13:13  Yes, the more the merrier, Lesley, yeah, and I think, like to your point, basically, I think what went through with my life, even though I suffer for a long period of time, I felt that it actually was proud of myself that I was able to help, like, break the generational curse, you know, because that were, like, what you talked about, you know, like there were women that didn't really have those opportunities.Lesley Logan 13:40  No, and they weren't loved either, like, not for who they were, yeah, my gosh, Pav. So you get to this place where, like, oh my gosh. Now you're not devastated. I mean, you're devastated from the divorce emotionally, but you're not devastated financially. You have, you have a jumping off point. So can we, can we jump ahead to like, how do you go from like, okay, I am now I'm gonna go now I have a half million dollars. It's not enough to like, retire off of today. But how do you go from that to like, I'm gonna help people be layoff ready? Because one of the things that, like, I feel is so topical. We talked about this before I hit record, it's like, there's a lot of people being laid off right now, and with AI, which has its own devastating effects and also great things. We use AI all the time, like, there's going to be more. And so I think, like, you know, in case, in case, someone can't just randomly find an old 401K they forgot about, how do we prepare them?Pav Lertjitbanjong 14:33  Yeah, okay, so you have asked so many amazing questions. So like, let me break it down. So like, number one you were asking about, like, okay, how did they kind of jump start from like, okay, that's aha, moment that okay, finally, it can be my own rich man, or at least the starting point until, like, okay, helping people, right? So I think, like, ever since then, I realized that okay, now I can be my own rich man, that I cannot rely on the security of a man to. Lesley Logan 15:00  No, you don't have to. Pav Lertjitbanjong 15:00  For anything, right? Even though, like, okay, great, we, we would love to find my soulmate. I mean, our soulmate, and I'd love to have a rich husband again, but you're not better version. But, yeah. But I think ever since then, I realized the power of financial literacy and, you know, really becoming my own person, because I always had low self-esteem, Lesley, you know, I think it's just kind of like what we talk about, the general generational curse. So anyway, since then, I started, like, okay, studying investing, personal finance, you know, make sure that okay. Like, by the way, I don't think that I dropped that bomb on you yet. But I also, like, with that marriage, I had about $100,000 debt. So with the money that I found, even though I had the 401K, you cannot liquidate the whole thing, right? Because you pay so much taxes. Lesley Logan 15:52  There's rules. Pav Lertjitbanjong 15:53  Yeah, exactly. Like, like, it's your money, but it's not your money. Lesley Logan 15:58  Right, right, right, right. Pav Lertjitbanjong 15:59  Yeah. So okay, so I had to find a way to, like, supplement that. How can I make more money? So, like, one is okay, I already have a corporate job. It's good paying, but obviously it didn't really help fund my entire lifestyle because, like, I used to live large, but now on my own, I need to, like, okay, number one, downsize my life a little bit more. You know, like, I can't really go to, like, three Michelin star on a Friday, you know, if I want to, these days, you know, something that you have to, like, really plan on. And then, let me forewarn you, it doesn't apply to everyone, but for me, I actually strategically leverage debt to help me pay debt.Lesley Logan 16:38  Yeah, heck yeah, girl, are you, I haven't had one come in the mail, but I definitely when I was like, getting out of homelessness and getting back on my feet, I was like, oh, this card will let me be interest-free for 18 months. Heck yeah. We're taking this card move all this debt over, so now I'm actually paying it off, and now I have 18 months to pay this off. Yes, yes, I hear you. I, there's, but there, because there is better, there is better debt out there. Yes, for sure.Pav Lertjitbanjong 17:06  Exactly, yeah. So free money. So one thing led to another, I was and then Covid happened. You know when people talk about and okay, like, let me just be clear, Covid totally suck. Like, that should not happen, but for me, I was lucky, in a sense that okay, during Covid, you know, I got to work from home. You know, as a tech worker, you get to work from home, and I had a little bit time, you know, like during, like, early hour, because I work West Coast hour before to really do a little bit of day trading, you know, like, maybe the first two, three hours after the market stopped before I actually work my real job, and I got lucky, I was able to buy at the lowest, probably, and it kind of bounced from there.Lesley Logan 17:52  Yeah, that's what you're I mean, like, when everything was going crazy recently and going low, like our neighbors like this, I'm like, I'm not even looking. I'm literally giving them more money. I'm gonna give my people more money to go play in the other places that it's gonna be good. Like, obviously, to avoid these but, like, we'd be smart about it. But like, this is how people got rich in the Depression. You gotta buy when it's low and during those Covid times, good for you. You know what I'm hearing from you Pav is, like, you're not afraid to do something that is a little scary, and you're not waiting for someone to tell you it's okay. Like, that's pretty badass.Pav Lertjitbanjong 18:27  I've not always been that way, Lesley, but thank you. It's an honor hearing that from you. Lesley Logan 18:33  Well, I mean, clearly the, maybe it's the divorce that, like, made made you that way. You know what I mean? Because I think sometimes we go through hard things, we're like, whoa. Like you develop a skill set because you need to, you know, so, like, I think that's really cool. Pav Lertjitbanjong 18:45  Thank you. Yeah, and I think, like, the most important things, actually two things that I was able to gain from the divorce, not just, like, the money part, which that is great, right? Like, with investing, one thing led to another. I was able to, like, you know, make a lot more money from there. And by the way, I got a promotion after, you know, when I decided, okay, like, I need to make more. You know, the Power Focus is when you focusing on something like it actually happened, because God was just like, make sure that he orchestrate everything for you.Lesley Logan 19:17  Well, also you're putting yourself out there, and you and you said the right words, focus. I think a lot of people go, I don't have this, as opposed to, where can I get this? You know, like, you're like, I need to make more money. What's in front of me? And so I think that that's a really important distinction, because a lot of people like, I have no money, and they sit around going wallowing, I don't have any money, I'm having and they're like, look, there are days for crying, like you are going through a divorce, there's a few. You should have a few fuck, fucking crying days on the floor. But then you have to, like, get up and go, okay, what do I want? What can I do with what I have? And so I love the like, I'm gonna put in for a promotion. Like you don't get a promotion if you're not ready for it. Like no one's doing in corporate., as a woman, no, you had to earn that so, like, I mean, like, I'm sure there's not all corporations do that, but like, let's be real. Like, a lot of them, you have to prove that you are more than qualified for that job. So way to go.Pav Lertjitbanjong 20:12  Yeah, thank you. And by the way, to add on top of that, like, when you were talking about, if you don't ask, you don't receive. Like, that's so true, because, like, I had a co worker I came to and I asked her, like, hey, I want to put you on a promotion list, you know, as an endorser for this quarter. And she's like, oh, thank you. I really appreciate that. But, you know, I am like, I think I thought it was due to for promotion, like, last year. I'm like, well, have you ever asked for it? No. Like, if you never ask, you never get it. You don't get it.Lesley Logan 20:43  Oh that is, you know, it's unfortunate, but like, it's true, like, a lot of people get places because they just asked, you know, like, there's even just some opportunities that I have had because I just asked, not because I was qualified, you know, I mean, I had to be qualified enough. But, you know, like, sometimes it's just like, who, you know, so, or what, who, whom you ask. So, I love that. So, okay, so you got a promotion, you play the stock market, and then were you like, were you always thinking about, okay, I can't wait. Like, I want to retire from corporate early. Was that like the plan? How did, how did you go from like, getting promotion, working corporate and day trading, to going, okay, I'm gonna help people prepare their lives for a big change, like a change outside their control, because that's what Layoff Ready is. It's like you're ready if a change outside of your control happens.Pav Lertjitbanjong 21:32  Right. Yeah, Lesley, and that's such a great question, and to be honest with you, like I've always had in my mind that I want to retire early, because ever since I was young, I always knew that, like, this is not it, like my life should not be in PowerPoint and, you know, be a corporate robot. And even though, like, let me just tell you, I know, like some people talk about, like, burnout, or, you know, like, how they've been treated badly by their companies, I feel very fortunate, like my career so far in general, that I have been treated very well for the most part, and I'm really, really, really grateful for that. But I think I've always, like, had that goal that I wanted to be able to retire, like, before 45 or like 50, you know, and really do my own thing and live my life. But let me just tell you I never had that courage, too. So when you told me about, like, hey, Pav, you're a badass, you know, thank you. I can confidently say that yes, Lesley, today's Pav says yes, I am a badass. But like, maybe, like, two months ago Pav, or maybe, like, whatever, you know, 40 years old Pav will not be that. Lesley Logan 22:38  I think it takes time to realize, like somebody in one of our communities, just like, mentioned, like, something happened that four years ago, right? And I was like, and it's so easy to go, oh my god, it's been four years, like, as a long time, and then it's like, it's only been four years, like, I can't believe how, like, what you've done in like, such a short time. So, like, it's, of course, like you recognizing your boldness and your badassery, like, in the last couple of months versus three years, like, there's, I don't think that's even you don't have to just, you can act that's fine. That's exactly when you found it, you discovered it. And I think that's important because, like, there's going to be days we don't feel like that. But also we have to look back and go, whoa look what I did in such a short period of time, you know, like, a short period of time, like, that's kind of a lot of growth. So let's talk about Layoff Ready a little bit, because I think a lot of people think it won't happen to them. Oh, it's gonna happen to that person, but I'm really great at my job, or I'm, you know what I mean, like, I'm really excellent at this. Like, what are some things people need to be thinking about, or just, like, reviewing, you know, because it's gonna take them a couple weeks that they should be looking into to make sure that they're layoff ready. Like, what are some signs, or what are some actions? Pav Lertjitbanjong 23:47  Yeah, so first, and thank you for asking Lesley. So Layoff Ready is a freedom-based financial preparation. So it's not just like, oh, you know, like, hey, this is like, your investment advisor telling you to like, okay, this is how you allocate your your investment so on, right? But this is more about like, how can you really design a life that you really want to live in, you know? So to to decide a life that give you the option for freedom if you want to, it's not about like, hey, you know, tomorrow, or everybody goes and go into the office and like, hey, I want to quit my job because I'm layoff ready? Some people, maybe you really love the job that you're doing. But you know, like, what you touch on is, with this economy, is your job really safe? Not really, with AI rising, I don't think that anybody is safe, right? Like, for God's sake, people been talking about what like by 2032 we may not even like have jobs the way that we see it.Lesley Logan 24:47  Oh yeah, I think, and that's 2032 that is, that is a very short time away. It is seven years like I'm an optimistic person most of the time, and when I think about what AI is going to do, I. I think about like, it's not going to be great for everybody. It's going to be great for those who can use it. It's not going to be great for everybody. So I do think that like preparing ourselves to understand, like, what, what is a life we want to live. And I love that, like going through that so that no matter if you choose it or it chooses you, you can be, you can be, you know, you'll still cry, but you can have a next step.Pav Lertjitbanjong 25:24  Exactly, yeah, and I think, like, you know, it's also beyond, like, the financial preparedness or the career preparedness, but like, the emotional clarity and preparedness that comes with that, right? Like, basically, it gives you an option to be able to walk away from a situation or a job or even like people, or like, in my case, like a marriage that no longer align with with you, with your goal in life. And so for me, I think layoff ready, layoff proofing your life is about like, you know, being like, strategically creating options for yourself so you never feel stuck. Like, you don't wait for security, you create it, and you build the skills and the incomes before you need them. And you also, like, you know, help you stay adaptable, knowing that job security is an illusion, but the career resilience is real, and that's what I think is so critical these days.Lesley Logan 26:20  So many takeaways. But like, we don't wait for security. We create security like that, that is key, Pav, that is like, I think a lot of people have a false security with their gigs, with their jobs, you know. And I think also, you know, the way the world works, it gives them that false security. Like took my husband and I over two years to prove to the powers that be that we could afford a home, because we don't work for anybody but ourselves. Never mind that ourselves have made more money year after year. You know, like every tax season, you can see that where our company is growing, they're like, oh, but you work for yourself. No, that's not trustworthy. Well, I'm not gonna fire me. So like, feels pretty secure, if you ask me. But like, I think it's like creating that security and creating the things around your life. You know, when we were talking about Covid, like, which was terrible, yes, yes, yes. But let's talk about this. The good thing is that came as a lot of people evaluated what they were doing and what they wanted and what they needed, because they were laid off, you know, they were forced to do it in a way. But like with what you're doing with people now is like actually helping them decide it ahead of times they have to leave, right? Like they're not, you're not necessarily encouraging them to leave, but you're just helping them create the ability to have a decision.Pav Lertjitbanjong 27:40  Exactly, yeah, and, and I also think that when you layoff-proof your life, it not like, not only it just gives you options, but it actually gives you peace of mind as well. And I think, like, in this day and age, especially at our age now, it's, it's the most important. I think, like, it's like, way more important, even beyond, like, money or success.Lesley Logan 28:03  Yeah, yeah, no. I mean, I agree. Like, you know, they say, like, we have six, there's six needs we all have universally. So certainty is one of them. And like, we all crave it, right? Like, craving that certainty, like, the job is going to be there, the money is going to be there. But we also crave uncertainty. We want things to change, right? But what you're talking about and what you've promoted yourself to doing you retired from corporate to do this with people is like, help them be able to make a decision for themselves and have certainty around it.Pav Lertjitbanjong 28:40  Right, yeah. And I think one, one important thing too, Lesley, that I feel like we have been lied to, is I don't think that we need that much in life in general, like in this capitalism society, like, do we need, like, you know, 10 handbags or.Lesley Logan 28:57  Well, I do, but some people don't.Pav Lertjitbanjong 29:01  More power to you. More power to you.Lesley Logan 29:04  But I, but I do agree, like, it is interesting. Like, I actually believe in a healthy capitalism, right? Like, I actually think, like, Netherlands is really great. Like, I want to live there. They have a community-based capitalism. I'm in. But I do think that you're right that, like, there's a lot of lies, that the more stuff we have, the more rich we are. When really, like, I'm looking at a very full closet and like, when was the last time we opened this closet door? Like, when do we use these things? And so I think that there is something about what you're saying is like, we can layoff-proof of our life by just evaluating, like, are we living a life that we actually want or are we living one that we we're lied to about. Pav Lertjitbanjong 29:44  Right. Exactly. I think, like my point on.Lesley Logan 29:47  I'm sorry, I cut you off because I, because people know I have a lot of handbags.Pav Lertjitbanjong 29:51  Trust me, me too, like I used to work so close to Fifth Avenue, so totally understand, and that's why I never had savings when I was younger. Anyway, but, yeah, like, basically, you don't need millions to retire early if you want to. There are different types of retirement, or, like, we call it like a FIRE, right? The FIRE movement, Financial Independence Retire Early movement. So there are different types of FIRE that allows you to retire early. Like some people, for example, can, you know, retire with, like, a super tight budget. Some people retire with big budget, with what? So what that means they need to make more money, and they need to invest more and they need longer time to invest, right? Or some people, they call it like a barista FIRE. So for barista FIRE is more on you you basically you retire, but if you still, like, keep a part time job that gives you benefits, and, you know, like, still earn.Lesley Logan 30:45  Oh yeah, yeah, yeah, that's like, my dad, because he can't sit still. Can't do it.Pav Lertjitbanjong 30:51  I mean, whatever works for, you know, for for him, or, like, for each person is totally different. But yeah, like, I before I retire, and I would say, like, now I'm more, like, you know, kind of in a way, like a same might retired, because obviously, like, I don't think that we can actually, like, sit still and just, okay, like, today I'm just gonna go to the beach and do nothing, even though it's so cool, but you get bored, right? But, but, yeah, like, you can live with so much less, and you don't need millions of dollars to retire. I think that's what I I've learned from that, and how I came to that realization, though, Lesley is because of the numbers. So, you know, like, when you were talking about, like, how can people prepare to, like, layoff-proof their lives? How can people prepare to like, you know, if they want option to retire early? Like, what's the first step to get there? I would say, know your numbers. So there are only three numbers that you need to know that is so important, like, one is your net worth, assets, minus liability. The second one, I call it FU funds. People have different definition of that, but my FU fund is more like an emergency fund. You know, when you talk to experts, because sometimes people say, okay, like three to six months. I don't think it's enough these days with inflation, right? You need, like, Yeah, six, twelve months. So, basically, exactly. So that's the money that you can kind of walk out if from any situation, if you want to, it's kind of like, okay, if you I go by kind of situation. And then the last one is the one we discussed, like, on the fire, like, how much money you need to invest in in the market in order for you to, like, take a smaller amount in, on average, I think it's about 4% that you can take safely from your investment, so that you can live on and still have some money left to.Lesley Logan 32:34  Reinvest if that that's working for you. I that's great. I think that makes it so easy. Because I think a lot of people think like, oh, gotta think about my retirement. I gotta think about my life. Oh, I got laid off crap. And it's like, if you only have to focus on three numbers, it makes it really simple. And I love this idea of, like, barista fire. These are fun. These are really great. Pav, who are you most excited to work with? Like, who do you want to like, are you do do like, who is it that you're wanting to make sure that you help people like, Layoff Ready?Pav Lertjitbanjong 33:08  So I typically work with more, like a high achiever, people in corporate but I think the most I would say, like underserved market is women, right? Like, women, especially a little bit older, like, 40 plus years old that has been in corporate for a while, and are more prone to be laid off. I think these are the demographic that I'm like, so excited to work with, because essentially, that's kind of like me, in a way. You know, I think when we pursue our, like, real, true passion project, or like I call like God's given purpose, you actually are serving the people that. How do I say that? Like your younger self, in a way, basically.Lesley Logan 33:54  Totally, everyone who listens to this podcast is, was me. Maybe there may be there different ages of the my younger version of but yes, we are all with we're the best. We are best able to serve the people we once were. So I love this. Pav, this is so exciting. We're gonna take a brief break. Find out how people can find you, follow you and work with you.Pav Lertjitbanjong 34:14  Yes, so you can find me on Tiktok at momentsofreset, M-O-M-E-N-T of reset, or layoffready.com. Lesley Logan 34:22  layoffready.com Yeah, I can't believe that wasn't, good for you, that was waiting for you momentsofreset and layoffready.com. All right, Pav, what bold, executable, intrinsic or targeted steps do you have for us to take away from this episode? Pav Lertjitbanjong 34:36  Okay. So bold doesn't have to be loud, but it has to be true. The life that you want is not built at once. So it's built in the micro moment of honesty to yourself, so until one day the outside world catches up, and you know, you just be it to till you see it, and people will see it too.Lesley Logan 34:57  Oh, that is so beautiful. That is actually so true, those micro moments of you being honest and you're that's so wise, Pav, and then the world catches up with you. I love, instead of us. I love that. I love that so much. Pav Lertjitbanjong 35:11  Thank you. Thank you. Lesley Logan 35:15  I, well, this is so fun, because it's not like I don't always have people who've been listening to show for a long time move and slowly being it till they see it on the show. Like it's just not something that happens very often. And so it's just so cool to hear the full circle. And for for everyone to hear the full circle of you going through the life that you went through, doing the hard thing, you know? And now you've got something that can help other people do it too. I mean, like, that's just beautiful.Pav Lertjitbanjong 35:42  Yeah. And thank you so much, Lesley, for I think, like, the work that you have done actually has not just only helped me, but I'm sure, like, it has helped thousands, if not millions, of people. You are doing God's work. So I think, like, I wish that that would be more of you. So thank you so much for all you have done. Thank you.Lesley Logan 36:01  Oh, Pav, I can't, you're the last thing in my day today, and I've never received that. I'm going to take it with me on a vacation. I'm so, so grateful. You know, if we all give ourselves the credit that we would give other people, right, we would realize that, like, we actually are doing great jobs, and it's just hard. It's just hard because you don't see all the efforting that's happening. You don't see all the people whose lives, but even you, Pav, saying thank you. And also you're going to give so many people permission on this show, you know whether or not they call you to be Layoff Ready but maybe they actually just go, oh, wait. I can actually just fill out that paper. It's gonna take one day or, oh, I actually need to sit down and think about, like, what do I want? What does wealth mean to me? Like, I think that it's just so cool, and you've just given some great things. So now you're on your way to impact more and more people in the world and it's going to be a better place because of people like you and people like me and people who are listening to this podcast. You know, people listening to this podcast, you guys are amazing people, cheerleading people all the time. And I say this to the people I coach you are the only person who can do what you do the way that you do it. You are it. And so don't be quiet. Don't be soft. Don't hide your magic, because there's people who are literally waiting for you. You know you're the only one. So, Pav, thank you for stepping out and creating Layoff Ready. I'm super excited for what you're doing and for the people who are gonna experience it. And everyone, share this with a friend who needs to hear it, someone who needs to hear a journey that someone's been on, someone who needs to hear that there is ways to prepare themselves. So no matter what happens, they're ready for it and but they even they can be like a barista fire. That's so cool. Didn't even know that. So Pav, thank you so much. And until next time everyone, Be It Till You See It.Lesley Logan 37:42  Hey, be it babe. So what  I love so much about the guests that we bring on is that they continue to research what they are experts in and dive in deeper. And when they find new ways of helping people, they always reach out and let us know. And Pav has been doing a ton of research and science around. How to make decisions under pressure and what your nervous system is going through, and different things like that. So if you are working in the leadership experience or you're trying to dive more into that, or you have, you notice you're having a hard time making decisions. She's also coaching and advising people in that capacity. So if you enjoyed her energy and  her way of thinking about this topic, you're gonna love what she's doing over there.  Lesley Logan 37:43  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 38:26  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 38:30  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 38:35  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 38:42  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 38:45  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Transcribed by https://otter.aiSupport this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Using your 401(k) for a home down payment may sound like a shortcut to homeownership—but it's a bad idea that could leave buyers worse off. Chris explains why tapping retirement savings won't make housing more affordable and will likely do the opposite by inflating prices even further. As markets begin to cool and home values slowly correct, unlocking trillions in 401(k) capital would pour gasoline on the real estate fire, rewarding sellers and agents while setting buyers back years in retirement savings. It's another well-intentioned policy that misses basic economics—and risks keeping everyday Americans poorer, not better off.

On this episode: One woman writes in talking about her biggest retirement regret. Millions of pre-retirees are moving money from their 401(k)s to their own IRAs. A smart move. Yet many people are stuck on what to do next. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

When should you plan for retirement? This video discusses the critical timing of your federal retirement, emphasizing that thoughtful financial planning and income planning are crucial. Do not rush your decision-making at the last minute; proper retirement planning requires foresight and careful consideration, well in advance of OPM's deadlines.Take the Quizz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

Today's SWAPA Number is 14%. That's the amount that is recommended to ensure that you maximize your employee contributions and your catch-up contributions before your NEC caps out.So today we're sitting down with two of our resident experts on retirement, staff members, Mike Haynes and Kevin Sheth. Mike and Kevin have a combined 44 years of experience in this world and have a lot of insight to provide on top of what we've communicated so far about the new planned features. But there's no such thing as being too smart on the retirement planning front. So let's dive into what's new in 2026.If you have any feedback for us at all, please drop us a line at comm@swapa.org or tap here to send us a text.Follow us online:Twitter - https://twitter.com/swapapilotsFacebook - https://www.facebook.com/swapa737

In this episode of the Real Estate Pros Podcast, host Micah Johnson interviews Joshua D. Massari, who shares insights into his unique approach to real estate investing through Solo 401k accounts and midterm rentals. Joshua discusses the advantages of Solo 401k for self-directed investing, the ALL method for acquiring properties, and the growing trend of midterm rentals as a lucrative investment strategy. He emphasizes the importance of lead generation and the potential for scaling in the real estate market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Curious how the latest tax law updates and retirement plan changes will impact your wallet in 2026? This week on Dollars & Sense, Joel Garris and Christina Lamb cut through the confusion and deliver essential information every American family and high-income earner needs to know—no jargon, just actionable insights and clear examples. First, Christina revisits the Top 10 Tax Changes for 2026—and then dives deeper into two big updates the team didn't get to last week: the newly indexed Child Tax Credit (now rising with inflation!) and the fresh cap on itemized deductions for high earners. Listeners learn exactly what's changing, who is affected, and how to maximize their tax strategy under the new rules. Step-by-step action tips help you avoid costly surprises, keep more of your money, and strategize for the year ahead. The discussion then shifts to a retirement game-changer: the new Roth 401(k) catch-up contribution requirement for high-income earners aged 50+. If you're used to socking away extra retirement dollars pre-tax, you'll want to hear how the new rules could raise your tax bill—and why, for many, it's still smart to keep contributing. The segment unpacks who must comply, plan differences, and the pros and cons of Roth vs. traditional contributions. Plus, Joel and Christina walk you through critical “what to do now” steps so you don't get caught off guard, from checking your plan options to coordinating with your tax advisor. Finally, the episode wraps up with practical guidance for all listeners: review your eligibility for credits and deductions, start planning early, and remember that smart tax and retirement strategies can make a huge difference by year's end. Joel and Christina's friendly, down-to-earth approach makes even complex topics feel manageable—and maybe even a little fun. Ready to get ahead of the 2026 tax and retirement changes? Don't miss out—tune in now to Dollars & Sense and take control of your financial future! 

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Think your cash is safe sitting in a traditional bank? Think again. Centralized banks profit from your deposits while offering little protection or growth. Long before banks dominated the financial system, mutual whole life insurance companies provided unmatched stability, guaranteed growth, and security that will last generations.  In this episode of the Private Banking Strategies Podcast, Vance Lowe and Seth Hicks Esq., reveal why these policies beat IRAs and 401(k)s, how compounding growth will supercharge your cash, and why keeping your money in the right insurance policies—not banks—will give you true long-term financial control. Whether you're seeking true financial freedom, wealth preservation, or a smarter approach – this podcast reveals the strategies banks don't want you to know about. Seth and Vance discuss: Before centralized banks: the power of mutual whole life insurance companies Why these policies offer unmatched stability compared to IRAs and 401(k)s  How compounding growth accelerates your wealth over time The smart strategy: keeping your money in policies instead of banks Resources: To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/ 

Unique, Fearless and Topical where you provide the balance to our content. Tonight, in Hour 1, Shelley talks the upcoming MLK Holiday, takes calls, talks about people being able to use their 401K to put a down payment on a house without penalty, and much more. Listen LIVE weeknights 7pm-9pm on 95.5 WSB, and much more. Listen LIVE weeknights 7pm-9pm on 95.5 WSB

You've got questions, we've got Amanda Holden. In this special Mailbag episode of HerMoney, Jean is joined once again by investing expert and How to Be a Rich Old Lady author Amanda Holden to tackle your biggest investing dilemmas. We're talking: What to actually do after opening a Roth IRA Whether crypto deserves a spot in your portfolio What to do with a $500,000 401(k) after a layoff Whether target-date funds are worth the cost And why diversification is non-negotiable ✨ Want to get smarter with your money in 2026? Join our women-only investing club, InvestingFixx, where expert stock pickers pitch ideas—and you help build the portfolio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fifteen years ago, I walked away from a full-time career in marketing—complete with a steady paycheck, benefits, and a 401K—to pursue photography. There were no guarantees it would work, only a willingness to accept uncertainty and learn along the way. In this episode, I reflect on the lessons that have kept James Patrick Photography in business for 15 years. From starting out in Tucson to building a focused career in sports, fitness, and editorial photography, to relocating to Phoenix and opening The Hive Studios, this episode breaks down what actually creates sustainability in a creative business. I share what I learned about proactive versus reactive marketing, why guiding clients is a critical part of the work, and how consistency and preparation matter more than talent alone. We also talk about the growth that came from launching FITposium, writing two best-selling books, and earning ADDY Awards—always with gratitude for the clients, collaborators, and community that made it possible. If you're a photographer, creative, or entrepreneur looking to build something that lasts, this episode offers practical insight, perspective, and encouragement drawn from real experience. Resources mentioned: Read the full 15-year anniversary blog Learn more about The Hive Studios Connect with James Patrick Photography

To help support the show:CashApp- ⁠https://cash.app/$drchrisloomdphd⁠Venmo- ⁠https://account.venmo.com/u/Chris-Loo-4⁠Buy Me a Coffee- ⁠https://www.buymeacoffee.com/chrisJx⁠Subscribe to our email list: ⁠https://financial-freedom-podcast-with-dr-loo.kit.com/⁠Click here to join PodMatch (the "AirBNB" of Podcasting): ⁠https://www.joinpodmatch.com/drchrisloomdphd⁠Click here to purchase my books on Amazon: ⁠https://amzn.to/2PaQn4p⁠For audiobooks, visit: ⁠https://www.audible.com/author/Christopher-H-Loo-MD-PhD/B07WFKBG1F⁠Disclaimer: Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  

Black Friday rompió récord… pero a crédito. ¿La economía está bien o estamos en “modo parche”? Hoy me siento con Carlos Feliciano (CAF Investments) para aterrizar lo que está pasando: empleo, consumo, vivienda en PR, BNPL (Klarna/Affirm), 401K, IA (NVIDIA vs Google/TPU), Apple, data centers, China/EE. UU., tasas de interés y qué mirar rumbo a 2026.En este episodio:¿Estamos en recesión o por qué “se siente” así?Consumo vs. financiamiento: Black Friday y el boom de “compra ahora, paga después”Vivienda en PR: incentivos vs. cero inventario, tasas y pagos imposibles401K sin mito: por qué NO es scam, macheo del patrono y alternativas si eres por cuenta propiaIA y chips: NVIDIA vs Google (TPU), Apple, data centers y energíaStreaming y fusiones: Netflix/Warner/Paramount y regulaciónTasas, quantitative easing y señales macro que vienenVida real en los 30: metas, “Matrix”, balance y el concepto japonés IkigaiQué esperan los analistas para 2026Consulta gratis con CAF Investments: separa tu cita aquí y escribe “Café en Mano” en la nota ➜ https://calendly.com/cafinvestments/15minSigue a Carlos: IG/TikTok/Facebook: @cafinvestmentsMi podcast completo y clips: suscríbete y comenta CONSULTA si quieres el link por DM. Chinchorreo 8 años de Café en Mano – 28 de diciembre, 10 AMRuta, detalles y RSVP ➜ [enlace]

Show Summary: In this episode, we're joined by John Zakel, Jr., founder of Smooth 401k, to explore how business owners can turn their 401(k) plans into a strategic advantage—not just a benefit expense. John breaks down why many small and mid-sized businesses overpay for their 401(k) plans and what owners can do to fix it. He explains how the right plan design can support business growth, improve employee retention, and create meaningful tax savings for both employers and their teams. The conversation also covers the rise of pooled and tech-enabled 401(k) platforms, how recent changes under SECURE 2.0 unlock overlooked tax credits, and why employee education is the key to building a stronger financial culture inside your organization. If you're a business owner looking to reduce costs, attract and retain great people, and use your retirement plan more intentionally, this episode offers practical insights you won't want to miss.   Website: www.smooth401k.com linkedin.com/in/johnzakeljr   Corporate Partner:Sums Plus Solutions - https://sumsplussolutions.com/ Profit First App Version 2.0 is here!  More Education. More Functionality. More Profit!

This special podcast with Ann Wirtz and CD Financial discusses taking control of your financial success. We explore essential aspects of personal finance and financial management to help you make smarter decisions. Learn how to navigate your future with confidence and robust financial planning. Take the quiz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

In this episode, we explore the recent shift that directs catch-up contributions to Roth accounts, a change that transforms your long-term financial strategy. Discover the incredible benefits of tax-free growth and withdrawals in retirement, while also understanding the trade-off of losing immediate tax deductions. This pivotal change is your opportunity to build a more resilient and flexible financial future, giving you greater control over your retirement income. Tune in to learn actionable steps you can take today to adapt your plan and harness this new rule for maximum benefit.       Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung  

If you're 50 years old, how do you decide whether to max out your 401(k), Roth IRA, or HSA? The right answer depends on more than just tax benefits; it requires looking at all six areas of your financial life. In this bonus episode, we break down the risks, trade-offs, and planning considerations to help you make the wisest move for your retirement and tax strategy. Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718   Watch this episode on YouTube: https://youtu.be/0J-nm3kljI4  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

This week, we introduce our Q1 2026 "Weight of the Evidence", detailing market movement from Q4 2025 and discussing upcoming trends as we close out the year. NDW Senior PM John Lewis and Research Analyst Miles Clark are joined by Nasdaq experts Yanni Angelakos & Phil Mackintosh.

Most people hear “we match 5%” and assume they understand their 401(k).They don't.In this episode of The Financial Mirror, we break down exactly how employer 401(k) matches work — using clear charts, real examples, and long-term math that shows why this benefit quietly creates hundreds of thousands of dollars in difference over a career.Using a $75,000 salary example and an 8% annual return, we compare:o No employer matcho Partial employer matcho Dollar-for-dollar matcho Tiered employer matchSame salary.Same contribution.Same market.The only difference? Whether you claim the match.You'll learn:o What “match 5%” actually meanso How partial, full, and tiered matches worko Why missing the match is like taking a pay cuto How employer matches compound into six-figure wealtho What vesting is and why it matters when changing jobsThis is a boring money topic — and one of the most powerful wealth builders available to everyday workers.If you care about long-term financial independence, retirement planning, and not leaving money behind, this episode is essential.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #401k #EmployerBenefits #RetirementSavings #WealthEducation #PersonalFinance #MoneyMindset #FinancialFreedom #LongTermWealth #InvestingBasics #FreeMoney

There is a $7 trillion hole in retirement savings—and pretending it doesn't exist won't save you. In this powerful conversation, Dr. Matt Markel exposes the myths professionals have been taught about money, work, and retirement, and explains why blindly trusting systems like 401Ks has created an abdication mindset. This episode is a wake-up call for anyone who believes they're “doing the right things” but still feels financially trapped.

Are You "Shutdown-Proof" for Retirement? Find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bYour TSP, Your Rules — Take control of your federal retirement savings and overcome processing delays, tax traps, and income planning pitfalls with smarter decisions.” Learn how to manage your Thrift Savings Plan distributions, withdrawal strategies, and TSP loan options with confidence.“Understanding your TSP withdrawal options and income planning — from required minimum distributions to installment strategies — is one of the smartest steps you can take for a secure federal retirement.”FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financialNewsletter: https://cdfinancial.com/newsletter

The Link to the article is HERE ! If you give it a read, share in the comments. Chapters00:00 Introduction to 401k prison04:54 Understanding the 401k Contract09:56 Exploring Alternatives to 401k14:51 The Importance of Financial Education19:29 The Journey of Infinite Banking22:24 Understanding 401k Limitations25:32 The Importance of Access to Capital31:32 Exploring Infinite Banking37:44 The Risks of Traditional Investments45:46 The Control of Banking FunctionPaul Fugere and David Befort discuss the limitations of traditional 401k plans and introduce the concept of Infinite Banking as a more flexible and empowering financial strategy.They explore the restrictions imposed by 401k plans, the importance of understanding financial products, and the benefits of controlling one's own capital through alternative methods.The discussion emphasizes the need for financial education and the potential for individuals to take charge of their financial futures without relying solely on conventional investment strategies.ABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

Looking to retire soon? Grant Kvalheim shares retirement planning strategies and emphasizes that people should be planning for a longer lifespan. Fixed-income annuities are similar to old pension plans, he argues, and believes everyone should have some in their portfolio. Grant looks at the allocation difference for different ages, saying younger people might want to aim for 80/20 rather than the traditional metric of 60/40.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Thank you so much for listening to the Bob Harden Show, celebrating over 14 years broadcasting on the internet. On Monday's show, we discuss current global events, including developments in Israel, Ukraine, Cuba, Venezuela, and Greenland with Marc Schulman, Founder and Publisher of HistoryCentral.com. We discuss the success of 401(k) retirement programs versus the short-comings of Social Security with the Senior Editor of the American Institute for Economic Research Jon Miltimore. We also visit with author Jim McTague about the history of military actions in Venezuela resulting in the deaths of over 30 Cubans. We have terrific guests for tomorrow's show, including Florida State Senator Kathleen Passidomo, Boo Mortenson, FEE.org's Maggie Anders, and Linda Harden. Access this and past shows at your convenience on my web site, social media platforms or podcast platforms.

If someone asks you what you are doing to prepare for your retirement, you might mention a 401K or an IRA, but what you might not realize is that you also need to prepare your mind for this major change in your life as well.   Dr. Ross Andel, a gerontologist, who has been studying what happens to our brains when we retire, reveals how it can have serious consequences for our mental health, including cognitive decline and depression.  But he will also offer some easy steps and tips to avoid this "retirement trap" and keep our brains active and healthy so that we can fully enjoy that hard-earned nest egg in our golden years.   For more information, transcripts, and all episodes, please visit https://thisisyourbrain.com   For more about Weill Cornell Medicine Neurological Surgery, please visit https://neurosurgery.weillcornell.org 

From anticipated Fed rate cuts to the staying power of international stocks, Charlie and Peter cover six topics on the minds of investors as we kick off 2026. Plus, discover where you can see Peter and Charlie live by attending a regional CONNECT26 event.

My employer recently announced that they will finally be offering a Roth 401(k) option. My plan is to start making Roth contributions. How will this impact my paycheck? 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

President Trump recently signed an executive order making it easier for investors to use their 401(k) to invest in alternative assets like crypto and real estate. On today's show, we're going to unpack the details of this change and what it means for you. Today's guest, Mat Sorensen is the Founder and CEO of Directed IRA, a wealth attorney, and entrepreneur. Mat is back for a conversation on the latest changes made to retirement plans and how you can use them to your advantage. Understanding your options when it comes to wealth building is key, and Mat's insights are incredibly useful.

Download the Guide here: https://cdfinancial.com FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre you truly ready to retire? This episode of the CD Financial Podcast dives into key questions about eligibility and financial management, helping you to understand the path to getting ready for retirement. We discuss essential aspects of retirement planning to ensure your financial planning is robust.Newsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

In this episode, we will address how accumulating significant savings into Traditional 401ks and IRAs can lead to a massive tax burden in retirement.  Additionally, we will be addressing the provision in the SECURE Act, which will change the way we view leaving these retirement plans to the next generation.⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ visit my website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with me here:​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠​⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join My Company Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This is for general education purposes only and should not be considered as tax, legal or investment advice.

Keith explores why the real goal of building wealth isn't luxury—it's protecting yourself from the emotional and practical pain of money stress.  You'll hear how owning the right kinds of assets can change your lifestyle options over time, and why waiting on the sidelines can quietly erode your financial future. Keith also pulls back the curtain on a major, often overlooked force that has helped keep real estate values resilient for years, and what that means for anyone thinking about adding more property to their portfolio.  Finally, you'll get a sense of the kinds of opportunities and strategies listeners are using right now to move from just getting by to playing to win in their wealth building journey. Episode Page: GetRichEducation.com/587 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  1-937-795-8989 to speak with a freedom coach 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 or text 'GRE' to 66866 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, more important than building wealth is avoiding poverty. It's backed up by research. Learn about a force that constantly gives a boost to real estate values that you probably haven't considered before, and own assets or get left behind. I discuss a plan for doing it today on get rich education.   Speaker 1  0:29   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:14   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  1:30   Welcome to GRE from Dar es Salaam Tanzania to Darlington, South Carolina, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education the voice of real estate investing since 2014 and it's a new year, part of the reason why you need to build durable wealth for yourself is actually not to be wealthy. It's really to avoid a lack of wealth. It's in order to pad yourself against poverty. Now, shortly, I want to talk to you more aspirationally if you are or soon plan to make 500k per year or more.    Keith Weinhold  2:15   But first, there are a number of studies that show that beyond a certain level, more wealth barely increases your happiness level. In fact, if you ask many people, they say that doubling their income or doubling their net worth is what they really want, like, that's their goal. Like, in their mind, that's the benchmark in which they've made it. And you know what, when they double their income, though, then they want to double it again. They think that that is the next benchmark. So there can be this endless amount of wanting, because once you've doubled, you just want to keep doubling. But what's really more important is padding against money problems, because if having a little more doesn't change your happiness much, well, it's poverty that can really diminish a level of happiness and fulfillment in your life. So money problems don't just hurt your wallet. They actually hurt your emotions. And this isn't just some motivational poster idea, the statistics are clear. Multiple studies show that when money is scarce, when paying the regular bills feels like a monthly street fight, people report more sadness, more worry and even depression, not just sometimes, but constantly. The reality is that about 71% of Americans say that money is a major source of stress. My gosh, more than seven out of 10. So that's not a fringe category. That's the norm that say money is a major source of stress. Another study found that 42% of adults say money negatively affects their mental health. So close to half of the people walking around you right now feel emotionally beat up by their financial situation, and the gap gets even wider when you compare groups, when people experience serious financial hardship, nearly half, 49% show signs of depression among people without any financial hardship, only about 11% of that group show signs of depression. And Northwestern Mutual did an extensive study on all this. So it's not just a small difference, it's a completely different emotional reality, almost like two separate worlds. To put it plainly. For you, money will not guarantee happiness, but a lack of money can absolutely fuel sadness, and this matters. Because financial confidence isn't just about dollars. It's about dignity. It's about feeling like you're able to breathe, and it's about believing that your future can be bigger than your past. I mean, the research also shows the relationship flows in both directions. Money stress can make mental health worse, and poor mental health can make financial decision making harder. So it's sort of this loop, this cycle. And what breaks the cycle? It's not luck. It's not hoping the economy magically fixes all of its problems. It is going on offense, taking steps that build security instead of surrender, for most people, that turning point comes when they start owning assets, not just paying bills. It comes when money stops being a source of fear and it starts being a tool. Because though we focus on real estate investing here at GRE but ultimately it is a lifestyle improvement show. And before we're done today, I'm going to talk about what you can actionably do to go on offense. Now, what if you already have a higher income, or you expect to make a high income in the near term, if you're earning roughly $500,000 per year or more, and you value time efficiency in making sure that you don't live a rough quality of life. You are on the threshold of a tier that helps ensure that you can avoid some misery. Yes, there is a step change here that can help ensure you have a higher standard of living. Do you know what I might be talking about? Any idea 500k of income is where it begins now. It's only beginning here. At this point, to make sense, where you tilt into starting to fly private instead of flying commercial. Yeah, private flights. Now your situation is going to depend on more than just the income. It's whether or not you're single or you have kids and more, but it's at this income level where you can start to cover a $10,000 flight without biting into your essential living expenses. It's most justifiable when your time savings or your productivity gains translate into real value. I'm talking about things like business deals, meetings and schedules and the benefits of flying privately are pretty significant. Time efficiency is the real superpower here, drive up to the plane, wheels up in minutes. The flexibility is there. You can leave pretty much when you want. You can change your flight plans mid trip if you need to. You get access to smaller airports. That means you can land closer to your final destination and skip big city traffic congestion. You've got privacy and security, no crowds, no TSA stuff. You've got quality of experience, comfort, quiet cabins, custom catering, no competing for overhead bin space. Now even affordable private is still pretty expensive. It is substantially more than first class commercial seats, and I have had limited experience flying private, but at 500k of income, flying private can still feel like a stretch, even though it's doable for you, a more comfortable range is a million dollars or more of annual income, that's when private flights feel much easier to justify for business or lifestyle. Now, with $2 million of annual income or more, most heavy private flyers live here in this range, the $2 million plus income level, they can charter, they can fractionally own, or they can use memberships, all with less stress. When you earn this much, and if you're ultra high net worth, we're talking about $5 million worth of income plus or $20 million worth of net worth plus, well, then private flying is really commonplace. This is where you often have a personal jet, concierge services and flexibility on demand. So as the first episode of the year here, I want to give you some opportunity to dream and goal set. Yeah, you need to stretch out and give space to your aspirations sometimes, and this is a good time to do that, really, though, a more important reason for increasing your income and net worth is that it helps you avoid the discomfort of poverty. But yeah, come on, if nothing else, can you believe that before every commercial flight you have to hear that nonsense about how to inflate a raft if you're. Plane crashes in the water, or you could use your seat as a personal flotation device. Come on your seat. Can't even support your back for a three hour flight. If there's ever been a reason to invest Well, it's so that you never have to hear that stuff again before every flight chase    Keith Weinhold  10:19   last week here on the show, you'll learn more about how stable real estate prices are, why prices have never crashed in your entire life, and also why they can't double in one year. Real Estate is too slow moving 30 days between you making your offer and you closing the deal, that's actually considered pretty fast. In fact, if national home prices ever crash, I will legally change my first name to Fabrice, yes, Fabrice, I would also do that if they doubled in a year. It is almost impossible for either of those things to happen. You learned about how these things have not happened in your entire lifetime on last week's show, yes, even in 2008 in the last 85 years, nominal home prices have risen every single year, except seven of them now. Why is that? Why are the prices of US housing so resilient and just keep going up up up, almost inexorably? Well, it's actually more than just the main well documented reasons that you know about and that we've talked about here. It's about more than these attributes, like population growth, household formation, wage growth, inflation, eroding the currency and land scarcity in desirable areas beyond all of those, one reason that home values just keep going up, up up and are expected to rise again this year is something that We have not discussed yet, and that is government intervention? Yes, in the US and a lot of world places, housing is not a free market. We have a free ish market that sort of comes with training wheels and support animals. Think about how the government helps ensure that home prices stay propped up even through most recessions. We're talking about attributes like ever expanding loan access and mortgage interest deductibility. Then there's depreciation in write offs for investors like us and property tax structures that lag market value when loans have lower down payment requirements or a lowering of credit score requirements and ever expanding loan limits in terms of dollar amounts, well, that increases the demand for those that have the capacity to pay, and it nudges up prices even more incentives, like deducting your mortgage interest in tax depreciation when you don't even have a real expense, but yet you get to write it off anyway. It all heaps on the government driven demand for real estate Now none of these individual things, these government interventions, raise prices overnight, they increase demand structurally. There's evidence that the government is doing even more in recent years to prop up housing demand than they have in the past. This is increasingly a propensity to not let housing fail like it did in 2008 I mean, just look at covid During 2020, and 2021, what a glaring example of how government will prop up home values and not let them fall down if you lost your job during covid. Oh, we'll give you mortgage loan forbearance. That's where you could skip. Oh, just say nine monthly payments, and then you can just tack those nine payments onto the end of your 30 year loan and make those payments decades from now. There was a foreclosure moratorium in effect then too, so you've got forbearance and low rates and stimulus checks and a ban on foreclosures. Well, all of that helped borrowers make payments, and that supported home price growth. There was no fire sailing, really, that could have taken place then, and you will recall that during that time period, in fact, the year 2021 national home prices soared 19% so housing is not a completely free market. You really don't have to look very far to know that. I mean, Fannie Mae and Freddie Mac are both still government sponsored and still in conservatorship. And here's the thing, so far, I've only talked about how government has propped up the demand side. Side of the market. I've only talked about half of it. Don't forget the sometimes unintentional supply restriction the governments induce as well keeping housing supply in check. Well, that helps drive price appreciation. I'm talking about the zoning spaghetti that new homebuilders have to navigate through the permit purgatory, minimum lot sizes that can seem larger than some European countries, environmental reviews that last longer than the movie Avengers. Endgame was that a three hour, two minute movie, all of these roadblocks limit new housing supply that makes it harder to build. So governments provide an ever present tailwind to housing values by both boosting demand and by crimping supply. Government amplifies these forces, sometimes intentionally and sometimes unintentionally, but the result is the same propping up housing values. If all these years since coming out of the Great Recession have shown us anything, and the 2020 pandemic reinforced it, it is to either own assets or get left behind. You've got to own assets or you will be left behind, and that's whether you're trying to stay away from poverty, like I talked about at the top of the show, or whether you're aiming to fly private instead of commercial, something more aspirational, really. That's the lesson I've got more straight ahead here. There will only ever be one get rich education podcast episode 587 and you're listening to it.    Keith Weinhold  16:43   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep, text their freedom coach directly again. 1-937-795-8989,   Keith Weinhold  17:54   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dana Dunford  18:27   this is hemlane's co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream. You Keith,   Keith Weinhold  18:45   welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking about new angles with respect to how the future belongs to asset owners. Every year, people say, This is my year, but only a few actually take the action to back that up and make it come true. One thing that I've learned is that people love saying, I want an opportunity, but what they really want is certainty. Unfortunately, certainty only shows up after opportunity is gone. History is full of people who walked past moments like this now owning more of an asset like real estate today, and instead they just look and say, Oh, it's probably nothing. Well, what about alternatives? What's your employer's plan for you? I mean, really, what's a typical employer's plan for employees spend 40 years here at this desk, and I guarantee that you'll become moderately comfortable with a nice 401K balance that you can start withdrawing from by the time you're age 65 at which time you'll start paying taxes on it too. So really, that's it. That's their plan for you. Yes, that's their plan for you. Though, as you know, I do not forecast mortgage rates. No one, not one analyst or rating agency, expects mortgage rates to fall substantially any time soon as we look at the real estate landscape, in fact, among 21 different major research groups, which include PNC Bank, Redfin, Moody's, wells, Fargo, the NAR totality, if you average what their forecasts are, one year from now, mortgage rates are expected to be at the same level that they are today, which is about 6.2% if you want to add more assets, prices are probably only going to be higher one year from now. The Fed is involved in QE like behavior again, which resumed last month, that gives the effect of more money printing, and it provides an environment for a continued price run up across not just real estate, but nearly every asset class. Current CPI inflation is 2.7% and long term inflation expectations are elevated. The Fed is cutting rates. The current Fed funds rate is about 3.6% and the President wants the Fed funds rate cut to 1% central banks are stockpiling gold, and the US dollar just had its worst year since 2017 so a lot is lining up to keep supporting housing values. Now, when we zoom out, starting back in 2012 us home prices have now risen 14 years in a row, and the average annual gain since that time is about 6% which is sustainable and close to historic norms. Year after year. Some people keep waiting for the right moment, and meanwhile, the right moment just keeps passing them by. And look, now here's a really interesting way for you to look at things from a long time investor like me, I have bought a wide variety of investment real estate over the years. I bought single family homes to both live in and single family homes to rent out vacant land, agricultural parcels, small apartment buildings and larger apartment buildings on every single one at the time when I purchased it, it was the most that anyone had ever paid for that property in that property's history, and if there were bids and I ended up getting the property, then I was the highest bidder as well. So on. Effectively, every single property purchase of my life, I paid more than anyone ever. And if someone had no understanding of the real estate market. They might think that that sounded bad, like I executed with a poor strategy or a lack of experience or direction, but that's just usually how it works in real estate, with the incessant postulation of almost unceasing appreciation and inflation, and years later, when it was time for me to sell the property, what were those conditions like? What happened then? You guessed it, I sold it for the most that it had ever sold for. So for that next buyer, that was the most then that anyone had ever paid for the property in history, yet again, and if it was a bidding situation, chances are I sold it to the highest bidder. So therefore, that has nothing to do with luck, that has nothing to do with timing, that is simply being an active participant in the real estate market and enjoying the leverage and all the other benefits all the while. So history shows that trying to time things based on market conditions or what you think market conditions are going to be, that does not work. What does work is owning more assets sooner. Every property that you purchase, expect to pay more for it than anyone ever has in that property's history. And then every property that you sell down the road, expect that you're going to sell it for more than what anyone has ever sold it for. Historically, that is normal. Now if your net worth is below $1 million or even below $5 million you really can't play the game not to lose. That's what keeps people stuck. You've got to play to win. The world already has your money. If you want access to it, you have simply got to go out. Out and get it. You play offense now, and you can play defense later, when your financial position is where you want it really and here's a huge insight, more money is lost trying to avoid a downturn than is lost actually being in the market when one finally happens, like I've discussed lately, real estate price downturns are uncommon. Sitting out and waiting is a wealth killer, because even if a downturn does happen, well, if you're already invested, you are positioned for the upturn. You're going to get the full measure of the upturn. That's where the real gains are, and this is where real estate is different. Leverage just keeps working for you. In the background, your 401, k does not do that. There's no leverage beyond maybe a two to one employer match, and then you get taxed when you finally touch the money. Some people like to gamble a little play a prediction market like poly market. Have something in Bitcoin, maybe even have exposure to a risky altcoin. I guess the NFL playoffs start this coming weekend. Some people want to bet on that and have their fun. Maybe even be invested in a high flying tech stock, or even the sp500. These vehicles rarely build wealth when you're actually young enough to enjoy it, because you're probably unleveraged there, you're exposed. You've only got your dollars working for you, not others, and you sure can do some of that day to day stuff. Go on polymarket and bet on when man will first land on Mars or something. Have your fun while the real wealth is built by the quiet, slow moving leverage of your larger real estate portfolio. In the background. Real estate, you can put 20 to 25% down on a 200k income property and control the whole thing. That's what investors are doing with our GRE marketplace properties right now, often in a low cost market like, say, Kansas City or Memphis, say that, for example, you're looking to add four doors this year, four rental units. Now that might take the form of one duplex and two new build Florida single family rentals. Now, with about 250k you can control $1 million of property adding assets this year. And here at GRE our nationwide provider network connects you with the real deals, and our providers often tell us about them before the public knows, for example, the properties where the builder still in this environment buys your rate down to perhaps four and a half percent. That is still happening. And why do the properties that our GRE investment coaches connect you with seem like such good deals at times? Well, there's a few reasons for that. Investor advantage markets just intrinsically have low prices. There's no agent that you have to compensate. It's a direct model that keeps the price down. These providers provide homes in bulk that helps keep the price down. And since we're dealing with investment properties, income producing properties, there are not any of these owner occupied emotions, so you don't get unreasonable sellers that hold out for a high price because there's some sentimental attachment there, or something like that.    Keith Weinhold  28:38   Let me give you three examples of real properties that our GRE investment coaching helps connect you with right now, and this is the place to be entry level homes, because entry level homes are few long term you are going to own a scarce asset that everybody wants. The first one is a brand new build single family rental in Cullman, Alabama. That's right between Birmingham and Huntsville, booming Huntsville. Now this property is currently vacant. However, it's in an A class neighborhood, so good appreciation potential, but less cash flow on this one, the rent is $2,100 the purchase price is 317k Yes, just 317k for this five bed, three bath, 2500 square foot rental, single family home. That's new build. One advantage Alabama has, and why we often have available Alabama properties is that really low property tax in that state you're going to benefit from a low fixed expense ratio over the long term. Alabama, property taxes are well under 1% per year as a percentage of the property value. In fact, at less than 410 Tax of 1% Alabama has the lowest property taxes in the entire continental United States. Only Hawaii has a lower one, where you're going to find a national average of 1% or a little more than 1% the second property is also brand new construction. It is a duplex in Goddard, Kansas, which is outside Wichita, each side of the duplex has three beds, two baths and 1300 68 square feet combined. Rents both sides are $3,500 and the purchase price is 447k and it is leased. Both sides are rented out. You can contact our free investment coaching and scoop up this or one like it today, and I'm looking at pictures of this really good looking new build duplex in the Wichita area. Looks like a two car garage on both sides, really attractive. And again, on these new builds, oftentimes the homebuilder is still buying down your mortgage rate for you, often under 5% the last one I'll mention, and I'm just giving you three samples to help give you an idea here. And if you're listening to this in a few years, you'll probably wish you could purchase these at prices this low. This last one is not new builds. Unfortunately, I can't quickly find the year of construction, but it looks older. It is a Kansas City single family rental, fully renovated. The cash flow numbers are super attractive. $2,100 rent on a purchase price of just $227,500 and free property management for two years is offered here on this renovated Kansas single family rental. Our investment coaching can answer questions about it for you. When something's renovated, you definitely want to see what the scope of work is. And there are also larger properties available. If you're looking to trade up some of your properties with accumulated equity into something else, we can help build an entire portfolio for you, or you might currently be only invested in one market, where we can help you determine what second market might make sense for you based on your time horizon and your own goals. Hey, maybe you've got a private plane in a decade kind of goal, or maybe we'll help you find out that adding more property does not make sense for you at this time in your situation, even though the opportunities are pretty good right now, because compared to two years ago, the inventory to select from is wider today, And the mortgage rates are lower now too GRE investment coaches are your free trusted advisors. It's like having a silent partner on your deal, someone who gives you insight but doesn't take any equity. There's no compensation for you to provide at all. It's about your portfolio, your goals and your direction. And our coaches also help you with services related to managing your real estate assets long term, like your tax and CPA questions, legal questions, though, that's pretty limited, because we're not attorneys here. For example, what happens if you have an appraisal surprise and the appraisal comes in lower than the amount that you've contracted to buy a property for, we help you with something like that, any inventory issues or inspection issues and property management guidance that you might need. In fact, if you've engaged with our free investment coaching in the past, even a few years ago, and we helped you find a property and say, now you have some sort of property management issue. Let us know. Keep in touch with your GRE investment coach. You tell someone like Naresh here, and he will step in. And when you set up a time to chat, which you can do at greinvestmentcoach.com There's really nothing special that you need to do to prepare if you can bring a 20% down payment. Now the ball is already rolling, and in today's environment with closing costs, that's usually about a 50k minimum. It helps if you're pre approved for a mortgage loan with Ridge lending group, or whomever your lender of choice is. What's interesting is that these deals are good. These are real estate pays five ways, properties that our coaches help connect you with. So sometimes we are buying these properties ourselves here at GRE. We have in the past, but there is no way we can buy them all, not even close. That means that an opportunity remains for you. Yes, we are real estate investors ourselves here at GRE, right now, there are better properties available than ones that we've bought ourselves recently, and there is more overall selection too. You can easily see the coach's calendar, select a time and then have a phone call or a zoom chat, whatever you like. If. From there. Our coaches usually give you their phone number, so then later, you can even text them. Our coach, Naresh, he responded to someone on Thanksgiving. That's the level of dedication here. So here's the next step. Book a time at GREinvestmentcoach.com you can do that now. That's where the calendar lives. There's no back and forth. Just pick a time right there that works. It's Free. Select a 30 minute time slot, and lately they've been available seven days a week. And you're going to walk away with clarity on your goals, your timeline and what's realistic for you, if you're tired of watching from the sidelines, tired of trying not to lose, tired of waiting for perfect conditions, and conditions are never perfect, well, this is your moment to play to win. It's pretty easy to remember to connect with a GRE investment coach. Visit greinvestmentcoach.com Until next week, I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  36:10   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  36:38   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Episode Summary In this episode of the Work at Home Rockstar Podcast, Tim Melanson sits down with Lane Kawaoka, CEO of The Wealth Elevator, to unpack what wealthy investors do differently and why most traditional financial advice falls short. Lane shares his journey from engineering to full-time investing, explains how cash-flow real estate changed his trajectory, and breaks down the mindset shifts required as your net worth grows. This conversation digs into accredited investing, alternative assets, and why unlearning common money rules is often the key to long-term financial freedom. Who is Lane Kawaoka? Lane Kawaoka is the CEO of The Wealth Elevator, an experienced real estate investor, author, and podcast host who helps high-income professionals and entrepreneurs grow wealth through cash-flow real estate, private equity, and alternative investment strategies. After leaving his engineering career in 2018, Lane built a business centered on education, community, and smarter investing for accredited investors. He is also the author of The Wealth Elevator, where he outlines different "floors" of wealth-building strategies based on net worth and financial stage. Connect with Lane Kawaoka Website: https://thewealthelevator.com LinkedIn: https://www.linkedin.com/in/lanekawaoka/ Email (General): team@thewealthelevator.com Email (Accredited Investors): lane@thewealthelevator.com Host Contact Details Website: https://workathomerockstar.com Facebook: https://www.facebook.com/workathomerockstar Instagram: https://www.instagram.com/workathomerockstar LinkedIn: https://www.linkedin.com/in/timmelanson YouTube: https://www.youtube.com/@WorkAtHomeRockStarPodcast X / Twitter: https://twitter.com/workathomestar Email: tim@workathomerockstar.com Timestamps 00:00 Introduction and Guest Welcome 00:29 Lane's Journey from Engineer to Real Estate Investor 03:12 Challenges and Lessons Learned 06:11 Networking and Building Wealth 11:05 The Wealth Elevator and Investment Strategies 14:35 Community and Networking Insights 22:17 Cash Flow and Real Estate Investing 25:07 Conclusion and Contact Information

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

In this episode of Money Matters, Scott and Pat tackle real-world financial planning questions from callers at very different life stages. One listener, with over a million dollars in assets, asks whether he should prioritize his 401(k) or a Roth IRA. The conversation dives into smart strategies for high-net-worth investors, addressing how to balance tax efficiency, retirement goals, and current lifestyle needs. Scott and Pat also explain how financial planning helps clarify trade-offs between spending now and securing your future. Whether you're looking for smarter retirement contributions or long-term portfolio strategy, this episode delivers actionable advice with a conversational tone. Discover how financial planning evolves with your income, assets, and goals. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

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