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Latest podcast episodes about ask a question

Big Picture Retirement
Inbox Question | How the Small Estate Affidavit Process Works

Big Picture Retirement

Play Episode Listen Later May 29, 2025 13:08


Today we answer a question from Peter about what happens when a parent dies with a fully planned estate that avoids probate — and how the Small Estate Affidavit process works in practice. We discuss handling unexpected estate assets like refund checks, whether you can open an estate bank account without letters testamentary, and who's responsible for final taxes and bills Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
Listener Q&A: Trusts, IRMAA, Inheritance Taxes, Capital Gains, and More

Big Picture Retirement

Play Episode Listen Later May 26, 2025 41:10


In this special episode, we catch up on a backlog of insightful listener questions—covering everything from estate planning and Social Security taxation to Roth conversions and Medicare rules. If you've been wrestling with real-world retirement planning decisions, you're not alone. Today's episode delivers practical answers to the kinds of issues many people face but few have clearly explained. We tackle: IRMAA and Social Security Taxation – Does IRMAA include Social Security income if it's not taxable? Capital Gains on a Vacation Home – Should you delay estate planning until after the sale of a property? What about the "2 out of 5 years" exemption? Paying Inheritance Taxes – If all your accounts list beneficiaries, how will state inheritance taxes (like Pennsylvania's) get paid on time? Step-Up in Basis with TOD Deeds – In Oklahoma, does property with a Transfer on Death deed still receive a step-up in basis? Impact of Home Sale on IRMAA and Roth Conversions – How does selling a vacation home affect your income-based Medicare premiums and Roth conversion strategies? Medicare Enrollment Rules at Age 65 – Are you legally required to enroll in Medicare at 65 if not on a qualifying employer plan? Trusts and Anonymity – How can you use estate planning tools while keeping your affairs private and self-directed? Probate Friendliness by State – Which states make probate easy, and which ones almost demand a trust-based plan? Inherited IRAs and Roth Conversions – Can a beneficiary convert inherited IRA funds into a Roth IRA for future tax-free growth? If you've ever had a nuanced question about retirement or estate planning, chances are someone else has too—and we're tackling them head-on in this packed Q&A episode. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Say That
639 - Fine With Being Hated Quietly

Say That

Play Episode Listen Later May 21, 2025 73:08


Ask A Question: saythatpodcast@gmail.com Intro and we discuss what makes a true Chicago pope (00:00-19:14) People talk about feeling something profound during worship, but I people also feel stuff while singing secular songs or being at concerts. Is worship something different, or just that same emotional high that music gives? (19:26-41:19) How do I know if someone can't change what they are doing or if they just won't? Those things feel very different. (41:23-56:39) What does it mean that we died in Christ, but we also live in Him? (56:45-01:09:27) Closing Song: As I Am (Lee Younger)    

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan – Part 3: Protecting the Beneficiaries' Inheritance (Estate Planning Series Finale)

Big Picture Retirement

Play Episode Listen Later May 19, 2025 47:55


In the final installment of our 3-part estate planning series, we dive into one of the most overlooked—but critically important—aspects of planning: protecting your heirs' inheritance. It's not enough to simply leave assets to your loved ones. Without proper planning, those assets could be exposed to divorce, lawsuits, creditors, or mismanagement. We'll explore how using trusts can provide long-term protection and flexibility, and why leaving assets outright may be a costly mistake. You'll learn how to: Safeguard inheritances from a beneficiary's divorce or personal liabilities Provide for special needs or disabled heirs without jeopardizing government benefits Handle contingency planning, including what happens if a beneficiary predeceases you Protect minor children using trusts instead of relying on court-supervised guardianships We also highlight common mistakes—like failing to update your estate plan after major life events—and share practical steps to avoid them. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
Inbox Question | Home Equity for Long Term Care

Big Picture Retirement

Play Episode Listen Later May 15, 2025 13:05


Today we answer Jeff's question about using home equity to pay for end-of-life care — from tapping into equity for in-home support to selling the home to cover nursing home costs. In high-cost states like California, many seniors are house rich and cash poor, and this episode explores strategies to help families navigate that challenge. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan – Part 2c: Common Mistakes & Oversights

Big Picture Retirement

Play Episode Listen Later May 12, 2025 28:47


In this episode, we shine the light on common estate planning mistakes that can derail even the best intentions. We discuss the risks of failing to update beneficiary designations and why relying solely on joint ownership can create unexpected complications. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Learn Korean | KoreanClass101.com
Korean Explained #65 - How to Ask A Question Using 어디 - Focus

Learn Korean | KoreanClass101.com

Play Episode Listen Later May 11, 2025 3:35


learn to ask questions with 어디

Learn Korean | KoreanClass101.com
Korean Explained #67 - How to Ask A Question Using 어디 - Review

Learn Korean | KoreanClass101.com

Play Episode Listen Later May 11, 2025 2:07


review how to ask questions with 어디

Learn Korean | KoreanClass101.com
Korean Explained #66 - How to Ask A Question Using 어디 - Breakdown

Learn Korean | KoreanClass101.com

Play Episode Listen Later May 11, 2025 2:03


learn more about how to ask a question

Big Picture Retirement
Inbox Question | Medicaid for Parents

Big Picture Retirement

Play Episode Listen Later May 8, 2025 12:05


Today we answer a question from Cathy about helping aging parents in California navigate care costs, preserve limited resources, and explore options like pro bono legal support. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan – Part 2b: Tax Considerations

Big Picture Retirement

Play Episode Listen Later May 5, 2025 38:58


In this episode, we cover key tax considerations around wealth transfer. We cover the differences between federal estate tax and state inheritance tax, and explain why the stepped-up basis is such a powerful tool for minimizing capital gains taxes for heirs. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
Inbox Question | Company Stock in 401K

Big Picture Retirement

Play Episode Listen Later May 1, 2025 8:45


In this episode, Brian asks some great questions about using Net Unrealized Appreciation (NUA) for company stock inside a 401(k). We dive into the rules, timing, and strategies that could lead to major tax savings—if you do it right. We cover: What exactly is NUA and why it matters Can you use NUA before retirement? Do you need to be age 59½? Can you move the stock out in segments, or does it have to be all at once? Common mistakes that could cost you Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Say That
638 - Neither Foreign Nor Domestic

Say That

Play Episode Listen Later Apr 30, 2025 67:26


Ask A Question: saythatpodcast@gmail.com Intro and a Jeepin' emergency (00:00-19:30) How do you distinguish between hypocrisy and when people just being people and falling short of something they talk about? (19:42-36:59) I have been praying about a situation in my life. What am I looking for now to tell if God is answering me? (37:03-48:36) In John 21, what is the significance of Jesus asking Peter if he loves Him 3 times? I get that it mirrors Peter's denial, but what does that mean for us? (48:45-01:02:20) Closing Song: Women, God, and Rock and Roll (Jed Brewer)

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan: Part 2a: Non-Probate Transfers

Big Picture Retirement

Play Episode Listen Later Apr 28, 2025 26:42


In this episode, we explore how to pass on your assets smoothly and efficiently—without dragging your loved ones through probate court. You'll learn why probate can be costly and time-consuming, and how non-probate strategies like beneficiary designations, joint ownership, and revocable living trusts can help you keep more money in your family's hands and less in legal fees. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
Inbox Question | Running a Business & Collecting Benefits: What Counts Toward the Earnings Limit?

Big Picture Retirement

Play Episode Listen Later Apr 24, 2025 6:57


In this inbox episode, we break down how the Social Security earnings limit works—especially for C corp owners who split income between salary and dividends. Learn what counts toward the limit, what doesn't, and how smart income structuring can help you avoid benefit reductions. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan – Part 1b: Planning for Incapacity

Big Picture Retirement

Play Episode Listen Later Apr 21, 2025 46:11


In the first part of our series on estate planning, we laid the groundwork for why incapacity planning matters and what documents you need to get started. But there's more to it than just having your paperwork in order. In this second episode on planning for incapacity, we take the conversation further by focusing on what happens when long-term care is needed. We'll walk through the different types of care—home care, assisted living, and nursing homes—and how to plan ahead financially using private pay, long-term care insurance, or Medicaid planning. We'll also highlight common pitfalls like outdated or missing Powers of Attorney, and the risks of DIY estate planning that can create real problems down the road. If you haven't reviewed your incapacity planning documents lately—or if you've never had them in place—this episode is your call to action. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Say That
637 - First Class Communion

Say That

Play Episode Listen Later Apr 16, 2025 64:03


Ask A Question: saythatpodcast@gmail.com Intro and the guys try to get on a blessings grift (00:00-18:25) What are we supposed to make of Judas? Jesus seems to say he is a unique kind of bad. But also things couldn't have happened the way they were supposed to without him, right? (18:38-32:36) Why are there different accounts of the resurrection in the Bible? (33:50-47:33) What does it mean to personally have peace when the world around you is so crazy? (47:39-59:05) Closing Song: Break of Day (Lee Younger)

Anxious Tradeswoman
Being Told your Stupid When You Ask A Question - Building Confidence - EP 94

Anxious Tradeswoman

Play Episode Listen Later Apr 15, 2025 15:05


Sometimes when you ask someone a question that they don't know the answer to then it can trigger them to be defensive. Rather than say, sorry I don't know ask so and so they may call you stupid or say that you should know and work it out for yourself in an aggressive way. In this episode I go through what to do if you find yourself in this situation.  If you are a tradeswoman who would like to feel less anxious and more confident, don't hesitate to contact me through my website, Louiseazzopardi.com, and we can schedule a coaching consultation! Shewear proudly supports this episode. She Wear safety work boots that women have designed to fit and look good on women. Not only do they have specially designed work boots for women, but they also have a wide range of women's work wear from various brands in one spot! Get shopping at http://www.shewear.com.au

Big Picture Retirement
The 3 Parts to a Perfect Estate Plan – Part 1a: Planning for Incapacity

Big Picture Retirement

Play Episode Listen Later Apr 14, 2025 31:04


Today kicks off a brand-new series on estate planning. Estate planning is one of those things everyone knows they should do—but far too many people put it off, sometimes until it's too late. And the truth is, whether your financial situation is complex or pretty straightforward, having a solid estate plan isn't just about what happens after you're gone. It's also about making things easier for your loved ones—and protecting yourself—while you're still here. That's why we're launching this special series to break estate planning down into simple, practical steps. We'll walk through the essential documents you need, the common mistakes that can derail a plan, and some of the more advanced strategies for protecting and passing on your wealth efficiently. Whether you're starting from scratch or just need to update an existing plan, this series will give you the roadmap you need. Now, we originally thought we could cover the first part of this in a single episode—but planning for incapacity turned out to be too important to rush. In this episode, we'll cover why incapacity planning is essential, real-life scenarios that make it critical, and the foundational documents every adult should have: Financial and Medical Powers of Attorney, and Advance Directives. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Say That
636 - Deacon Tony Montana

Say That

Play Episode Listen Later Apr 2, 2025 66:34


Ask A Question: saythatpodcast@gmail.com *Note: Matt somehow broke his mic without knowing it, so his audio is a little thinner than normal. Apologies, everything will be back to normal next episode. If you are Matt's wife and reading this, don't worry about any microphone sized Amazon boxes you may see in the next few days, those are nothing. Intro and a new offering strategy - hostage taking! (00:00-16:41) When things are bad, is being positive or hopeful kind of irresponsible or denial? (16:56-31:29) There are some promises made to people in the Bible, the OT specifically, that do apply to all Christians, but not all of the promises do - Is that right? How do we know which is which? (31:32-44:05) The story of the faith of the centurion in Luke 7 has always confused me because “people at work do what I tell them” doesn't seem like amazing faith to me. Is there something I am missing? (44:14-01:02:34) Closing Song: The Old Rugged Cross (Front Toward Enemy)

Big Picture Retirement
Inbox Question | A Better Approach to the S&P 500?

Big Picture Retirement

Play Episode Listen Later Mar 20, 2025 7:42


John asks about buying the individual sectors of the S&P 500 and rebalancing based on performance instead of simply buying an index fund. Devin shares the pros and cons that he can see with this strategy and shares what he thinks is a better approach.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

write inbox s p ask a question big picture retirement
Unscripted Direct
Episode 114 - "How to Ask a Question" (Interview with Shanin Specter)

Unscripted Direct

Play Episode Listen Later Mar 20, 2025 70:35


Introduction (0:00:00). Justin gets practical: when do you start planning for next year? Spencer gets philosophical: how do you find the right balance between teaching and other professional obligations? The Break (0:10:41). Results from Trials and Tribulations, and BLSA Nationals!Vexatious Litigants (0:11:26 ). In between vicious insults, Fordham's Adam Shlahet and Hofstra's Jared Rosenblatt debate whether schools should let students compete twice in the same semester. Suggested Plagiarism (0:36:17). Spencer interviews famed trial lawyer Shanin Specter, who teaches a class called How to Ask a Question. We learn some valuable lessons, including: "No one thinks you're as nice as you think you are." "Don't lead the barista." "Don't take &%$% from anyone, including the judge." And Justin's favorite: "Spencer, you're gonna have to take my class now."Mailbag (1:04:22). Three letters this week! Should judge orientations include instruction on proper trial techniques? Can advocates circumvent the "I wasn't asked that rule" with an objection? And do STAC and NTC have more protests than invitationals?

Say That
635 - Come Thou Fount of Every Burpee

Say That

Play Episode Listen Later Mar 19, 2025 64:12


Ask A Question: saythatpodcast@gmail.com Intro and Church Gym Emergency! (00:00-14:27) Is the "age of accountability" a thing? (14:31-34:46) How do I accept that some relationships in my life are just about as good as they are gonna get? Like I could try to set more boundaries, explain myself more, etc, but it feels like the other person has come about as far as they are going to. Is it okay to accept that? (34:48-46:19) In Matthew 18:19, Jesus says “Again, truly I tell you that if two of you on earth agree about anything they ask for, it will be done for them by my Father in heaven.” I feel like that is not how it works, but what does this verse mean? (46:26-01:01:12) Closing Song: Come Thou Fount of Every Blessing (Pete Lawson)    

Big Picture Retirement
Inbox Question | Cutting Work Hours at 60: Will It Reduce Social Security?

Big Picture Retirement

Play Episode Listen Later Mar 13, 2025 4:53


Rosemary's husband is scaling back to 32 hours a week as part of his transition plan before switching careers. With Social Security in mind, she asks: Will this reduced income impact their future benefits? In this episode, we break down how Social Security calculates benefits, whether lower earnings in the final working years can reduce your check, and what to consider before making the shift. If you're thinking about adjusting your workload before retirement, this is an episode you won't want to miss! Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
How to Travel Like a Local in Retirement (Not Just a Tourist)

Big Picture Retirement

Play Episode Listen Later Mar 10, 2025 35:56


Planning to travel in retirement? In this episode, I sit down with Andrew Motiwalla from The Good Life Abroad to discuss how retirees can make the most of their travel experiences—without the stress. We talk about: ✅ Why travel is at the top of most retirees' bucket lists ✅ How to plan trips that align with your passions ✅ The best underrated destinations for immersive experiences ✅ How to avoid common travel planning pitfalls ✅ How long-term travel is changing the way retirees experience the world If you're looking to travel smarter, go beyond tourist hotspots, and make the most of your retirement years, this conversation is for you!

Big Picture Retirement
Inbox Question | Tax Treatment of Special Needs Trusts: What You Need to Know

Big Picture Retirement

Play Episode Listen Later Mar 6, 2025 9:36


This week, we're diving into a question about the tax treatment of Special Needs Trusts. There are two types—First-Party and Third-Party trusts—but how does each one affect taxes? We'll break down key differences in taxation, who reports the income, and what trustees need to consider when filing returns. If you or a loved one rely on a Special Needs Trust, understanding the tax implications is essential. Tune in for a clear and practical breakdown! Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Say That
634 - Potluck: Taste and See

Say That

Play Episode Listen Later Mar 5, 2025 61:04


Ask A Question: saythatpodcast@gmail.com Intro and Oscar worthy emergency (00:00-15:20) This week, Matt ran across the phrase “Anger feels like power to [some] people.”  And it got the guys thinking. (15:28-32:37) Are there such things as biblically “masculine” or “feminine” traits? I hear people say masculine traits are things like courage and strength, and feminine traits are being nurturing and caring. But shouldn't everybody try to be those things? (32:40-43:48) How should I think about bible verses like Philippians 2:14? It is a clear command, it's also not something that I (or anyone else) can actually do. So what does it mean for me? (43:54-57:55) Closing Song: Bigger Than My Fears (Jed Brewer)

Big Picture Retirement
REPLAY | The Surprisingly Hardest Part of Retirement

Big Picture Retirement

Play Episode Listen Later Mar 3, 2025 36:06


For countless retirees, the greatest challenge isn't saving money, but spending it. After years of diligent saving, the transition to drawing down those hard-earned funds can be fraught with anxiety and uncertainty. But what if there was a way to ease this tension? In this episode, we explore the often unexpected emotional hurdles of retirement spending and reveal the antidote: a well-defined plan. With the right roadmap, retirees can grant themselves permission to spend, savoring the fruits of their labor with the confidence that their financial future remains secure. Join us as we share real-life stories of this struggle and offer insights into crafting a plan that truly brings peace of mind Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. 

Big Picture Retirement
Inbox Questions | IRA Income & Medicaid Eligibility: Will Too Much Disqualify You?

Big Picture Retirement

Play Episode Listen Later Feb 27, 2025 10:08


Dan asks: If monthly income from an IRA exceeds $2,908 for a single person, would that result in disqualification for Medicaid? We break down the income limits, potential strategies to navigate Medicaid eligibility, and how certain tools—like Qualified Income Trusts (Miller Trusts)—can help individuals qualify despite exceeding the income cap. Tune in for a clear explanation of how Medicaid rules apply to retirement accounts and long-term care planning. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://carrolladvisory.co/podcast1   Contact John's team at https://www.rossandshoalmire.com/  If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.

Big Picture Retirement
REPLAY | 5 Things Nobody Tells You About Retirement

Big Picture Retirement

Play Episode Listen Later Feb 24, 2025 33:41


We've heard this hundreds of time... 'I wish someone had warned me about this when I retired.' More often than not, they're referring to one of five key challenges that catch many retirees by surprise. In today's episode, we're diving into each of these five areas. If you're on the cusp of retirement, this is crucial viewing to help you steer clear of unexpected hurdles and enter this new phase of life with confidence. Pay particular attention to the last point–it's the most frequently mentioned and the most impactful. Being unprepared for this could have significant consequences, so make sure you are ready for this.  If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

write retirement ask a question big picture retirement
Big Picture Retirement
Inbox Questions | Should We Consider Roth Conversions with a High Income?

Big Picture Retirement

Play Episode Listen Later Feb 20, 2025 8:14


In this episode, Tammy asks about the pros and cons of doing Roth conversions in retirement to manage Required Minimum Distributions (RMDs) down the road. With $2.9 million in combined IRAs and current income of $196,000, she's concerned about future tax implications. While we can't give personal advice, we'll break down the potential benefits, drawbacks, and factors retirees like Tammy should consider when deciding if Roth conversions make sense.  If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Say That
633 - Imprecatory Meat Jacket

Say That

Play Episode Listen Later Feb 19, 2025 68:36


Ask A Question: saythatpodcast@gmail.com Read Jed's article about the song Lee wrote for his wedding: https://www.rollingstone.com/culture-council/articles/what-wedding-song-teach-us-about-creative-commercial-success-1235262312/ Intro and a totally-not-jealous emergency (00:00-18:35) Jesus says we should pray for our enemies. Does praying for them to get hit by lightning count? (19:26-36:48) There are times in the Bible where it says that Jesus heals someone, but also times where Jesus tells them “your faith has healed you.” Is that just a way of saying the same thing, or is there something different going on with some of them? (36:52-47:35) Obviously racism, sexism, etc is wrong. But is it un-christian? Is there a Christian/biblical case against it? (47:38-01:04:46) Closing Song: Take My Life and Let It Be (Lee Younger)

Big Picture Retirement
What Happens to Your Crypto When You Die? Estate Planning for Digital Assets

Big Picture Retirement

Play Episode Listen Later Feb 17, 2025 22:34


Cryptocurrency has changed the financial landscape, and that includes estate planning. Unlike traditional assets, crypto presents unique challenges—there's no customer service line to recover lost passwords, and without proper planning, your digital assets could be lost forever. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
Inbox Questions | Cryonics and Trusts: Planning for a Future You?

Big Picture Retirement

Play Episode Listen Later Feb 13, 2025 23:13


In this episode, we dive into Stephen's fascinating question about estate planning for the far future—trusts designed to preserve wealth for individuals who undergo cryonic preservation. Is this cutting-edge legal strategy realistic, or is it more science fiction than practical planning? John can barely contain his excitement as we explore the legal, financial, and philosophical implications of planning for a revival hundreds of years down the line. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

Big Picture Retirement
The 4 Mindsets That Shape Your Retirement Success

Big Picture Retirement

Play Episode Listen Later Feb 10, 2025 43:14


Your mindset can make or break your retirement. Are you a Pollyanna, Delegator, Controller, or Realist? In this episode, we dive into the four common mindsets retirees bring to the table and how each one impacts their financial, tax, and legal decisions. From blind optimism to overconfidence, we explore the strengths and pitfalls of each mindset—and how you can evolve to make better choices. Whether you're just starting to plan or reevaluating your approach, this episode will help you identify your mindset and build a strategy for long-term success. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

Big Picture Retirement
Inbox Questions | Why Use Your IRA First for Long-Term Care Expenses?

Big Picture Retirement

Play Episode Listen Later Feb 6, 2025 21:37


In this episode, we tackle Richard's question about why it might make sense to use IRA (non-Roth) accounts first to pay for long-term care expenses. We'll explain the reasoning behind this strategy, including the tax implications, potential benefits for your overall financial plan, and how it fits into managing your retirement assets.  If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Say That
632 - Vanilla Ice and the Peaky Truckers

Say That

Play Episode Listen Later Feb 5, 2025 66:37


Ask A Question: saythatpodcast@gmail.com Intro and an emergency segment so off the rails, even I lost track of what we were talking about (00:00-21:42) When I hear people like politicians say things like “God is on his throne” after bad things happen, it makes me angry. Like great, but shouldn't you be doing something too? Is that being unreasonable or judgmental? (21:45-37:12) How do I know if I am ready to get married? (37:17-51:22) What is “the flesh” that Paul talks about? I feel like that only gets talked about referring to sexual stuff, but it seems like he is talking about something broader. (51:28-01:0:43) Closing Song: Amazing Grace (Glenn Kaiser)

Big Picture Retirement
Tariffs: Balancing the Pros and Cons

Big Picture Retirement

Play Episode Listen Later Feb 3, 2025 31:43


From President Trump's upcoming tariffs on Canada, Mexico, and China to the historical legacy of the “Chicken Tax,” tariffs have shaped economies and industries in ways both expected and unforeseen. In this episode, we dive into the purpose, pros, and cons of tariffs, exploring their impact on consumers, businesses, and global trade. Learn how these taxes can stimulate domestic production, drive up consumer costs, and even transform entire industries, like the U.S. auto market. Whether you're curious about the economic trade-offs or the quirky history of a chicken trade war, this episode has you covered! If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
Inbox Questions | Should Early Social Security Factor Into Retirement Calculations?

Big Picture Retirement

Play Episode Listen Later Jan 30, 2025 8:13


In this episode, we address Joe's question about how claiming Social Security benefits early can reduce withdrawals from retirement accounts and potentially lead to greater long-term growth. Joe shares his calculation comparing the cumulative Social Security benefit difference with the investment growth of withdrawals saved by filing early. Is he onto something, or is there a missing piece? Tune in to explore how Social Security timing fits into a Big Picture retirement strategy and hear our take on Joe's approach. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
Supreme Court Ruling: The Hidden Risks in Life-Insurance Buy-Sell Agreements

Big Picture Retirement

Play Episode Listen Later Jan 27, 2025 27:54


A recent Supreme Court decision in Connelly v. United States has sent shockwaves through closely held businesses employing life-insurance-funded redemption-type buy-sell agreements. In this episode, we break down the case, the tax implications, and why the IRS may not respect your agreed-upon valuation. Discover why it's critical to review and, if necessary, restructure your buy-sell agreements to avoid unexpected estate tax burdens. We'll explore alternatives like cross-purchase agreements and address key considerations for life insurance ownership. Don't miss this discussion for business owners and advisors alike! If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

Big Picture Retirement
Inbox Questions | Will GPO Repeal Affect My Benefits?

Big Picture Retirement

Play Episode Listen Later Jan 24, 2025 18:32


In this episode, we answer Lori's question about whether the repeal of the Government Pension Offset (GPO) will increase her survivor benefits and how it could impact benefits for those with similar circumstances. We also address Jesus's concern about whether his Social Security check will be reduced when he retires from TRS (Teacher Retirement System). If you've ever wondered how these rules might affect your benefits, this episode is packed with answers and insights. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Say That
631 - Ramentary: A Broathcast

Say That

Play Episode Listen Later Jan 22, 2025 62:28


Ask A Question: saythatpodcast@gmail.com Intro and some 2025 pitches (00:00-12:50) How do I have a heathy friendship with someone when they are going through things in their life where they don't really have the bandwidth to be a good friend back to me? (13:04-27:11) I was raised with a lot of religious guilt. Like always talking about how “everybody you are do something bad, you are basically crucifying Jesus yourself”. I have done a lot of work letting go of all the shame. But I don't know how to think about concepts like sin without going back to all that. Help? (27:16-46:27) In John 12, Jesus defends the woman pouring out oil on him. After reading that, I wondered, is there a chance I am to judgmental of things like big churches that have a lot of expensive stuff? (46:31-59:37) Closing Song: Cannons on a Lighthouse (Randall Goodgame)

Big Picture Retirement
The Unexpected Early Retirement

Big Picture Retirement

Play Episode Listen Later Jan 20, 2025 24:55


Sometimes life throws curveballs, and you may end up retiring earlier than planned. In this episode, we dive into JP Morgan's data on why people retire earlier than expected and discuss how to prepare for the unexpected. Learn why having a solid backup plan is essential and what steps you can take to protect your financial future, even if your retirement timeline changes. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

Big Picture Retirement
Inbox Questions | Reducing Taxes and Managing RMDs

Big Picture Retirement

Play Episode Listen Later Jan 16, 2025 13:36


In this episode, we tackle Kay's questions about managing her IRA and Roth accounts in retirement. With significant assets, no LTC insurance, and children in differing financial circumstances, Kay wants to minimize taxes while preparing for required minimum distributions (RMDs) and long-term care expenses. We explore the pros and cons of massive Roth conversions, the impact of IRMAA on Medicare premiums, and other strategies for keeping income taxes as low as possible. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
A Smarter Way to Manage Retirement Income

Big Picture Retirement

Play Episode Listen Later Jan 13, 2025 32:08


Retirement can be stressful, especially when the markets are unpredictable. In this episode, we'll talk about a simple strategy to give you peace of mind and financial stability in retirement. You'll learn how to set aside five years of income to avoid selling investments during market downturns, create a clear plan for where your money will come from, and adjust your approach based on your comfort with risk. This straightforward method helps you stay on track, worry less, and enjoy the retirement you've worked so hard for. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
Inbox Questions | Prescription Prices: A Rant and a Response

Big Picture Retirement

Play Episode Listen Later Jan 9, 2025 16:03


Today's episode is part rant, part answer to Mike's question about the high cost of prescription drugs under Medicare Part D. We dive into why these costs are so steep, explore alternatives like Canadian pharmacies, and discuss what you can do to manage healthcare expenses in retirement. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Say That
630 - Spiked Holy Water

Say That

Play Episode Listen Later Jan 8, 2025 73:54


Ask A Question: saythatpodcast@gmail.com Intro and a special double emergency (00:00-24:05) What do you say when people ask you why you believe what you do? (24:19-40:12) I always feel very connected and focused on my faith during the Christmas season, but it is hard to keep the momentum up after the holiday. Any tips on keeping it going? (40:47-55:22) Is there anything about the Christmas story that you think people miss, or wish more people would think about? (55:27-01:09:13) Closing Song: While No One Else Notices (Jed Brewer)

Big Picture Retirement
Smart Financial Planning: Balancing Data with Peace of Mind

Big Picture Retirement

Play Episode Listen Later Jan 6, 2025 25:44


Financial planning often feels like a numbers game—follow the math, and you'll make the best decisions, right? But what happens when the spreadsheet says one thing, and your peace of mind says another? In this episode, we share the personal story of why Devin and his wife chose to pay off nearly $500,000 in debt, despite the numbers telling them not to. We explore the emotional cost of debt, the value of financial freedom, and how to balance logic with what truly feels right. If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/   

Big Picture Retirement
Inbox Questions | When Should You Stop Using TurboTax?

Big Picture Retirement

Play Episode Listen Later Jan 2, 2025 12:40


Today, we tackle a question many retirees face: Can you manage your taxes with DIY software like TurboTax, or is it time to bring in a professional? We'll explore the challenges of navigating tax complexities in retirement, including 401(k) rollovers, RMDs, and other scenarios that could make filing trickier than expected.  If you're thinking, "I love the Big Picture Retirement podcast!” please consider rating and reviewing this show! This helps us support more people -- just like you -- move toward a confident retirement. Just scroll down to the “ratings and reviews” section, tap to rate with five stars, and select “Write a Review.” Then be sure to let us know what you loved most about the episode! Also, if you haven't done so already, follow the podcast. We add new content every week, and if you're not following, you'll likely miss out. Follow now!  Don't miss the Big Picture Retirement Planning Cheat Sheet. We've distilled the essential brackets, thresholds, and rules of retirement into an easy-to-digest, three-page summary. https://www.carrolladvisory.com/pl/2148282517  Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and click on the “Ask A Question” menu selection.  Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms.  Contact Devin's team at https://www.carrolladvisory.com/  Contact John's team at https://www.rossandshoalmire.com/     

Handsome
Sharon & Bram ask a question... in song!

Handsome

Play Episode Listen Later Dec 10, 2024 50:48


Sharon & Bram of button factory fame ask Handsome a delightful, sing-song question! Plus Mae sings their answer, haunted house brainstorming, "skinamarink" and more!*** Handsome has a live-streaming holi-bobs show Dec 21! Tickets at dynastytypewriter.com ***Handsome is hosted by Tig Notaro, Mae Martin, and Fortune FeimsterFollow us on social media @handsomepodMerch at handsomepod.comWatch Handsome on YouTubeThis is a Headgum podcast. Follow Headgum on Twitter, Instagram, and Tiktok. Advertise on Handsome via Gumball.fm.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.