Podcasts about cslp

If your student loan payment is tied to your income, your tax return isn't just paperwork — it's part of your repayment strategy. Listen to a live tax webinar we did with Sim Terwilliger, CFP®, CSLP®, Director of Tax at SLP Wealth, as we share the biggest mistakes we're seeing this season, especially around married filing separately, community property states, and backdoor Roth IRAs — plus when filing an extension can legitimately save you real money on income-driven repayment. If you're navigating forgiveness, IDR, or just trying not to overpay Uncle Sam, this one's for you. Key moments: (02:09) Married filing separate vs. joint: when it lowers payments (08:29) The top mistake: Backdoor Roth errors that trigger penalties (20:37) Niche tax savings under RAP plan, managing AirBnbs, and passive income (35:31) The new SALT cap changes and who benefits   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

In this episode, Dan is joined by Connor Pierce to discuss financial considerations for current and future coaches and clinicians, in particular physical therapists.Connor Pierce, DPT, CSLP®, is a fiduciary financial planner and Certified Student Loan Professional specializing in helping coaches, clinicians, and healthcare professionals navigate federal student loan strategy, income-driven repayment, and long-term financial planning. A former physical therapist, Connor now works full-time helping high-debt professionals design financial clarity and career flexibility.Website: https://afterthedpt.comEmail: connor@afterthedpt.comSeason 7 of the Braun Performance & Rehab Podcast is proudly supported by Pura Health, bringing ultrasound into every clinician's hands. Learn more at purahealth.net and @pura.health_ultrasound.Additional support provided by Firefly Recovery, the official recovery partner of Braun Performance & Rehab (recoveryfirefly.com), and Dr. Ray Gorman of Engage Movement. Learn how to grow your income beyond sessions—follow @raygormandpt on Instagram and DM “Dan” for a free breakdown of the blended practice model.Episode Affiliates: MoboBoard (BRAWNBODY10), AliRx (DBraunRx), MedBridge (BRAWN), CTM Band (BRAWN10), Ice Shaker (affiliate link).If you enjoyed this episode, share it with someone who would benefit and leave a 5-star review.Explore more from Dan at linktr.ee/braun_pr.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.As an optometrist—especially a practice owner—you face real liability exposure from both your professional work and your business. So how well are your retirement accounts and investments actually protected if something goes wrong? In this episode, we walk through the different layers of liability protection available to ODs and dive into exactly which retirement and investment accounts are shielded from creditors, which ones aren't, and where the common gaps and misconceptions are.What You'll LearnFour common layers of liability protection available to optometrists (entities, insurance, titling, and federal/state law)Why umbrella insurance is one of the most common gaps in OD insurance planningHow ERISA law protects 401(k) and cash balance plans—and why it's the gold standardWhy solo 401(k) plans do NOT carry the same ERISA protection (a common misconception)How SEP IRAs and SIMPLE IRAs fall short on liability protection compared to full 401(k) plansHow Traditional and Roth IRAs are protected in bankruptcy (and the current dollar limit)What happens to liability protection when you roll a 401(k) into an IRA—and a best practice for keeping those dollars separateHow HSAs, taxable brokerage accounts, and 529 plans are (or aren't) protectedSteps ODs should take now to review their liability exposureKey TakeawayNot all retirement accounts are created equal when it comes to liability protection. ERISA-covered plans like 401(k)s and cash balance plans offer the strongest, unlimited federal protection—making maxing those contributions both a tax strategy and a liability strategy. But accounts like solo 401(k)s, SIMPLE IRAs, and traditional/Roth IRAs don't carry that same blanket protection, and the gaps are highly state-dependent. Understanding where your dollars sit and how they're protected is an important part of your overall financial plan.ResourcesSubmit your questions for upcoming Listener Q&A episodes: OptometryWealth.com/podcastquestionReach out: podcast@optometrywealth.comWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Congress created a brand new investment account for kids called Trump Accounts, and the questions from optometrists have been flowing in. In this episode, we break down exactly what these accounts are, how they work, who can contribute, and - most importantly - whether they actually add anything new to the lineup of options you already have for investing on behalf of your kids.What You'll LearnWhat Trump Accounts are and how they workWho can contribute, how much, and whenHow contributions are taxed (and why the after-tax structure matters)How employer contributions work - and potential hurdles for practice owners contributing to their own kids' accountsWhat happens when the child turns 18How Trump Accounts compare to existing options like UTMA/UGMA accounts, 529s, and custodial Roth IRAsThe best use cases for ODs, including the $1,000 federal seed money and Roth conversion planningKey TakeawayTrump Accounts aren't a game-changer, but they can definitely be a benefit for our kids. The biggest win is the $1,000 seed money for eligible kids and the renewed attention on starting retirement savings early. They don't replace anything already in your toolkit - think of them as one more option alongside 529s, custodial accounts, and Roth IRAs.Episode Chapters[00:00] Introduction[01:00] What are Trump Accounts?[02:00] When they're available and how to open one[02:30] Who can contribute and contribution limits[03:00] Why contributions are after-tax (and why that matters)[05:00] Employer contributions through your practice[06:00] Can practice owners contribute to their own kids' accounts?[07:30] Government and nonprofit contributions & the $1,000 pilot program[08:30] Investment options inside Trump Accounts[09:00] What happens when the child turns 18[10:00] Withdrawal restrictions and the ABLE account exception[10:30] How Trump Accounts compare to existing options for kids[14:30] Best use cases for optometrists[17:00] Final thoughts: The real positive of Trump AccountsResources MentionedIRS Form 4547trumpaccounts.govSubmit podcast questions: www.optometrywealth.com/podcastquestionContact: podcast@optometrywealth.comWant a more proactive approach to your planning?You can schedule a no-commitment introductory call to discuss what's on your mind financially and learn how we help optometrists navigate those same decisions nationwide.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.In this episode, we break down tax-efficient investing for ODs, showing you how to pair the right investments with the right accounts to maximize your after-tax wealth over your career.What You'll LearnTaxes can be the difference between two optometrists with identical investment returns ending up with vastly different retirement wealth. This episode breaks down how to invest tax-efficiently by pairing the right investments with the right accounts. You'll learn which investments create tax-inefficient income (bonds, REITs) versus more favorable income (stock index funds), and the strategy for placing them across your taxable accounts, pre-tax retirement accounts, Roth accounts, and HSAs. The key is treating all your accounts toward the same goal as one coordinated household portfolio instead of managing each separately. Key TakeawayDon't let the tax tail wag the dog. Start with good, prudent, evidence-based investments - then optimize their placement to minimize taxes along the way. The goal isn't to avoid all taxes; it's to maximize your after-tax wealth over your lifetime.Episode Chapters[00:00] Introduction: Why tax-smart investing matters for ODs[03:00] Why taxes matter: The real drag on your investment returns[05:00] Tax Layer 1: Understanding investment account types (taxable, pre-tax, Roth, HSA)[06:00] How different types of investment income get taxed[10:00] Tax Layer 2: Tax characteristics of stocks, bonds, and REITs[12:00] How fund management impacts your tax bill[16:00] Asset location strategy: Putting it all together[20:00] Common constraints and considerations[22:00] Mistakes to avoid when managing multiple accounts[24:00] Conclusions: Focus on good investing while managing taxesResources MentionedFree Download: Get Your OD's Guide to Tax-Smart InvestingInventory your accountsIdentify tax-inefficient holdingsEvaluate if investments are in the right placesReady for a Second Opinion?Want help reviewing your current setup? Reach out for a no-pressure conversation about whether your investments are working as tax-efficiently as they could be.Click Here to schedule your free consultation! Submit Your Question for Q&A Episodes! Have questions you'd want answered on the podcast?Submit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.In this first-ever OD listener Q&A episode, we tackle seven questions covering practice ownership, retirement accounts, student loans, and tax strategy. From why your practice is your most important investment to navigating the backdoor Roth IRA maze, we break down what actually matters for ODs at different career stages.Submit Your Questions to the Podcast:Submit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionListener Questions We Tackle:What can younger optometry practice owners do to build wealth in the first few years of ownership?How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?Are owner's distributions from optometry practices taxable?Should optometrists pay down student loans or save for practice ownership?If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Episode Chapters[00:00:52] What can younger optometry practice owners do to build wealth in the first few years of ownership?[00:06:08] How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?[00:09:01] Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?[00:12:29] Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?[00:17:25] Are owner's distributions from optometry practices taxable?[00:20:42] Should optometrists pay down student loans or save for practice ownership?[00:25:34] If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Resources MentionedSubmit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionThe Optometry Money Podcast Ep 151: How Filing Taxes Separately Impacts Student Loan Outcomes for OptometristsThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!The Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipThe Optometry Money Podcast Ep 70: Financial Planning Considerations for Owners of Established Optometry PracticesThe Optometry Money Podcast Ep. 49: An Optometrist's Guide to Business EntitiesThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Parent PLUS loans are about to get a lot more complicated, and most families have no idea what's coming. In this episode, senior student loan advisor Lauryn Williams, CFP®, CSLP®, AFC®, sits down with student loan expert Janna McKay, AFC®, CSLP®, to break down the biggest changes affecting Parent PLUS borrowers. You'll learn about the end of double consolidation, new repayment access rules, and what the July 2026 deadline really means for forgiveness and Public Service Loan Forgiveness (PSLF). If you're a parent helping kids through college, this episode could save you from a costly mistake. Key moments: (06:38) Why double consolidation is officially dead (and what replaces it) (08:10) Quick clarification for borrowers who don't have Parent PLUS loans (13:38) Real client cases where consolidation mistakes caused major problems (22:43) Why borrowing after July 2026 could permanently block PSLF for parent borrowers (33:18) Legacy provisions for borrowing before July 1, 2026 vs. borrowing after     Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Tax filing season is here, and for married optometrists planning toward student loan forgiveness, how you file your taxes can save you thousands of dollars per year. In this episode, we break down how tax filing status impacts your income-driven repayment calculations and when filing separately makes financial sense.Key Takeaways:The three core student loan strategies for optometrists: paying off like any other debt, pursuing forgiveness through income-driven repayment plans, or using a hybrid approach for specific cash flow goalsHow filing married jointly includes both spouses' income in the student loan calculation, even if only one spouse has loansFiling married separately allows you to exclude your spouse's income from the calculation, often resulting in dramatically lower monthly paymentsHow community property states offer even more student loan planning opportunities for optometristsThe additional tax costs of filing separately and how to compare them against student loan savings to make the right decisionCritical timing considerations for filing your tax return and student loansWhy filing an extension may make sense if you're unsure about your strategyChapters:00:00 Introduction 01:00 The Core Student Loan Strategies Optometrists Should Consider 03:50 Income is the Most Important Planning Lever for Income-Driven Repayment Plans 05:05 Filing Taxes Married Jointly Includes Both Spouse's Income in the Student Loan Calculation 06:00 How Filing Taxes Married Separately Allows for Better Student Loan Planning for Optometrists 07:00 Example of How Filing Separately Can Improve Optometrists' Student Loan Calculations 08:45 How Community Property States Magnify the Student Loan Planning Opportunities for Optometrists 12:00 Additional Tax Costs to Consider When Filing Taxes Separately 15:00 The Math - Compare the Student Loan Savings vs. Higher Tax Costs When Filing Separately 16:00 Next Steps for OptometristsResources mentioned:Click Here to Download Your Free 2025 Tax Filing Guide for OptometristsReady to work with a financial advisor who understands student loan and tax planning for optometrists? Click Here to Schedule a conversation.The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.Even though we're already into 2026, tax planning for 2025 isn't over. While most tax planning happens before December 31st, there are still several impactful levers you can pull before filing your return.In this episode, Evon breaks down four specific tax planning opportunities still available to optometrists in early 2026, including strategies for individual ODs, practice owners, and real estate investors. Whether you're looking to maximize retirement contributions, reduce your 2025 tax burden, or accelerate depreciation on investment properties, this episode gives you a clear roadmap for what's still possible.Key TakeawaysIRA and HSA contributions can be made until April 15th and still count toward your 2025 tax yearThe "backdoor Roth IRA" remains available regardless of income, but requires careful execution to avoid the pro-rata rulePractice owners can make profit-sharing contributions up until their business tax filing deadline (including extensions)Cost segregation studies can accelerate depreciation for real estate investors, and why January 19, 2025 is a key dateNot every strategy makes sense for every situation - tax bracket, liquidity needs, and long-term plans all matter when deciding which levers to pullEpisode Chapters00:00 - Welcome and Listener Question01:00 - Tax Planning Lever #1: IRA and HSA Contributions by April 15th03:00 - Watch Out for Tax Filing Quirks and the Pro-Rata Rule with "Backdoor" Roth IRA Contributions07:00 - Tax Planning Lever #2: 529 Contributions If Your State Provides a Tax Benefit08:00 - Tax Planning Lever #3: 401(k) Profit Sharing Contributions10:00 - Do Profit Sharing Contributions Make Sense for Your Optometry Practice?13:00 - Don't Forget About Cash Balance Plans for Mature Optometry Practices13:00 - Tax Planning Lever #4: Cost Segregation Studies for Investment Real Estate16:00 - Final Thoughts for Optometrists Before Tax Season

Questions? Thoughts? Send a Text to The Optometry Money Podcast!2026 brings several important financial and tax changes that can directly impact optometrists - especially practice owners and those with student loans.In this episode, Evon walks through five key updates to be aware of as you plan for the year ahead, including changes to retirement contributions, student loans, health insurance, and tax planning opportunities.To make this easier, we've also created a free, 2-page 2026 Financial & Tax Planning Guide for Optometrists, which you can download using the link below.What We Cover in This Episode1. Annual Tax & Retirement Updates for 2026Adjustments to tax brackets and the standard deduction2026 retirement plan contribution limitsSpecial catch-up contribution rules for ages 60–63HSA and IRA contribution updatesSocial Security wage base increaseHow to adjust payroll contributions early in the year2. OBBBA Changes Taking Effect in 2026Expanded phase-out thresholds for the Qualified Business Income (QBI) deductionWhy this matters for optometry practice owners and 1099 ODsHow this creates a longer planning runway for higher-income householdsAn overview of new “Trump Accounts” expected to launch mid-year3. Student Loan Rule Changes and Key July 1 DeadlinesOngoing changes to income-driven repayment plansIntroduction of the new RAP planWhat currently practicing optometrists need to knowWhy July 1, 2026 is a critical date for consolidation decisionsDifferences between planning for current borrowers vs. future optometrists4. Health Insurance Changes: ACA & HSA UpdatesACA premium tax credits reverting to pre-COVID rulesThe return of the 400% federal poverty line “cliff”Why income planning matters more again in 2026Expanded HSA eligibility for Bronze and catastrophic ACA plansUsing HSAs as a long-term planning tool5. Roth-Only Catch-Up Contributions for High EarnersMandatory Roth catch-up contributions for certain high-income earnersWho this applies to and how it's determinedWhy catch-up contributions may no longer reduce taxable incomeWhat to check with your 401(k) plan administrator

Filing taxes married filing separately can be one of the most powerful tools for lowering income-driven student loan payments. But it's also one of the easiest ways to make costly mistakes if you're not careful. Meagan McGuire, CFP®, ChFC®, CSLP®, walks through what borrowers need to double-check before tax season hits. You'll learn when filing separately actually saves money, when it backfires, and how community property states completely change the math. Key moments: (05:32) Why married filing separately can dramatically lower IDR payments (09:58) Real numbers: comparing tax cost vs. student loan savings (17:28) The Roth IRA trap many married borrowers miss (23:37) Why community property states often create extra student loan savings   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Join SLP Insiders for student loan loopholes, SLP app and member community Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

New repayment rules and borrowing caps are forcing a rethink of long-term planning.By Rory Henry CFP®, BFA™For CPA TrendlinesStudent loan debt has quietly outgrown its stereotype.What was once viewed as a challenge for early-career professionals is now showing up in family balance sheets, tax returns, and retirement plans. Parents nearing retirement—and retirees themselves—are increasingly carrying education debt, often on behalf of their children. For CPAs and financial advisors, student loans are no longer a niche planning issue. They're a multigenerational one. MORE Rory Henry and The Holistic Guide to Wealth Management BUY the Holistic Guide to Wealth Management With more than $1.8 trillion in federal student loan debt spread across 42.5 million borrowers, the scale alone demands attention. But it's the shifting who—not just the how much—that makes this moment critical for advisors.That shift is the focus of this episode of Holistic Guide to Wealth Management, featuring Alex Bottom, CEO of Finology, and Ryan Galiotto, CFP®, CSLP®, founder of the Student Loan Help Network. Their conversation unpacks how legislation, demographics, and delayed life milestones are reshaping student loan planning—and why advisors can't afford to sit this one out.

We've hit 400 episodes. That's hundreds of hours helping borrowers make sense of one of the most complicated (and emotional) parts of personal finance. In this milestone episode, I sit down with Lauryn Williams, CFP®, CSLP®, AFC®, one of our longest-serving planners and a key part of SLP since 2018. Together, we look back on how it all started — a spreadsheet that accidentally went viral — and how far we've come since then. We talk about the biggest surprises in today's student loan system, the stories that still move us years later, and where SLP is heading next. Key moments: (02:37) How a viral spreadsheet launched a national business (9:34) From Olympian to planner: Lauryn's journey to helping borrowers with student loan debt (14:50) The biggest shock about student loans today compared to 2016 (22:00) Client stories that still stick with us (32:15) Why today's system is simpler—but still not simple enough (38:54) What's next for SLP: building the SLP Insiders app to bring borrowers together Resources mentioned: Financial Free Era podcast 988 Suicide & Crisis Lifeline Heather Jarvis, Student Loan Expert   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

In this episode, Rory speaks with Alex Bottom, CEO of Finology, and Ryan Galiotto, CFP®, CSLP®, founder of the Student Loan Help Network, about how advisors and CPAs can prepare for the sweeping changes coming to student loan planning. They discuss the One Big Beautiful Bill (OBBB) and how it will reshape repayment plans, extend terms, and impose new borrowing caps beginning in 2026. Alex explains how tax filing status and forgiveness rules can significantly impact repayment and why understanding these nuances is critical for CPAs. Ryan highlights the growing number of retirees carrying Parent PLUS loans and how this generational shift is redefining financial priorities for families. Together, they outline why student loan planning is moving from niche to mainstream and how practitioners can integrate it as a value-added service. Are you ready to help clients navigate the new repayment landscape? Want to know how to turn student loan guidance into an opportunity for deeper client relationships? Find out the answers to these questions and more in this important conversation with Alex Bottom and Ryan Galiotto.

Carl Richards is one of the leading voices when it comes to money and emotions. For over a decade, he was the creator of the Sketch Guy column in The New York Times, where his hand-drawn sketches made financial complexity surprisingly simple—and deeply emotional. He joins us to ask the question that instantly ties our brain in knots: 'What is money, really?' From there, he discusses: Why we unknowingly organize life around money and work Why 'enough' is a way of being (not a number) How we keep handing money jobs it can't do—like self-worth, love, and happiness Come for the doodles; leave with a gentler, saner way to align your calendar, your checkbook, and your life.  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode Summary: As your practice grows and profits increase, one of the most powerful tax and retirement planning tools available to optometry practice owners is profit sharing within your 401(k) plan. But what exactly is profit sharing, and how can you optimize it for both you and your employees?In this episode, Evon welcomes back Matt Ruttenberg of Life Inc. Retirement Services to break down everything optometrists need to know about profit sharing contributions. They discuss how profit sharing works, the different methods of calculating contributions, and how practice owners can use this strategy to maximize retirement savings while managing taxes.Whether you're new to 401(k) plans or you're ready to level up your retirement savings strategy, this conversation will give you clarity on how to align your plan design with your goals.What You'll Learn in This Episode:What profit sharing in a 401(k) plan actually is and why it matters for practice ownersThe “three-tier wedding cake” framework of retirement plan contributionsDifferent methods of profit sharing:Pro Rata (the simple but costly method)New Comparability (targeted, strategic contributions that benefit owners most)How factors like employee demographics, age, and owner wages impact profit sharing efficiencyWhy your Safe Harbor match choice (match vs. non-elective) matters when layering on profit sharingHow profit sharing integrates with cash balance plans to supercharge retirement savingsKey deadlines practice owners need to keep in mind before year-endResources & Links:Learn more about Matt Ruttenberg and his team: 401k.expertThe Optometry Money Podcast Ep 111: 2024 Mid-Year Retirement Plan Updates and Deadlines Practice Owners Need to Know with Matt RuttenbergThe Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 63: Choosing A Retirement Plan for Your Optometry Practice with Matt RuttenbergWork With Us: Thinking about working with a financial planning firm that specializes in optometry? At Optometry Wealth Advisors, we help ODs nationwide align their practice and personal finances for growth, tax efficiency, and long-term wealth.

We are welcoming back the man behind the most debated number in retirement, Bill Bengen- this time with a special appearance from his lovely wife, Barbara. We take a brief detour to hear their love story and how they met, before getting into his new book, 'A Richer Retirement: Supercharging the 4% Rule to Spend More and Enjoy More'. He joins us in this episode to: Break down the primary goals of the book  Help you understand what's required to create and manage a successful personal retirement withdrawal plan Step us through all the tools required to make your money last your entire lifetime  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Tax planning is more than just finding deductions—it's about pulling the right financial levers at the right time. In this episode, Evon Mendrin, CFP®, walks through the five key areas of a tax return that optometrists and practice owners should focus on when working with their financial and tax professionals. By understanding these levers, you can reduce surprises at tax time and unlock smarter planning opportunities for both your practice and your personal finances.What You'll Learn in This Episode:How to project your income trajectory for the year (and why clean bookkeeping is essential).Why reviewing your tax withholdings and estimated payments now can prevent big surprises later.The role of Adjusted Gross Income (AGI) in unlocking or losing out on credits and deductions.Planning strategies around itemized deductions (and how the new rules on SALT and charitable giving affect you).How to manage your Qualified Business Income (QBI) deduction as an optometry practice owner.Using your taxable income and brackets to strategically manage your overall tax liability.Practical ways to combine these levers—like retirement plans, charitable giving, and reinvesting in your practice—for maximum impact.Resources & Links:Independent Strong: Understanding the Key Planning Levers in the Private Practice Owner's Tax Return (Evon's written guide)Connect with Evon: evon@optometrywealth.comSchedule a time to chat at www.optometrywealth.comNewsletter: Tax Changes in the 'One Big Beautiful Bill Act' ODs Need to KnowThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

The average financial planner is about 56 years old, but 25-year-old Emma Von Weise got a running start learning about money as a teenager and is now one of the youngest CFP professionals. She shares how she became money savvy so early and what influences impacted her the most. She isn't here to judge the rest of us who started late but to help us make up for lost time—with humor, heart, and practical advice that meets you exactly where you are. In this episode, we discuss: Emma's money story and early financial literacy The spark that led to a career in financial planning at such an early age Why she is an old soul that just loves working with retirees Modern Day Continuing-Care Retirement Communities  

Ruth Henderson is the creator of ‘The Happy Saver,' a beloved New Zealand blog and podcast that brings personal finance down to earth. She transitioned from part-time work to full-time content creation, sharing her journey toward early retirement with honesty, humor, and heart. In this episode we swap notes with her on the financial independence journey of Americans vs. Kiwis (New Zealanders). She also shares with us: Her late starter journey to FI What inspired her to create 'The Happy Saver' to help everyday Kiwis reach FI A breakdown of New Zealand's surprisingly simple ecosystem including universal healthcare and pension How KiwiSaver operates similarly to US employer-sponsored retirement plans  

In this episode of the Making Strides for Animal Chiropractic podcast, Dr. Katie is joined by Lauryn Williams, Certified Financial Planner™ (CFP®), from Student Loan Planner, to demystify the complex world of student loans. She is the founder of the financial planning firm, Worth Winning, and the "Worth Listening" podcast. She graduated from the University of Miami with a Bachelor of Finance and also has an MBA from the University of Phoenix. Lauryn is a 4-time Olympian and the first American woman to medal in both the Summer and Winter Games! Together, they discuss recent policy changes, repayment plan options, and how to navigate loans while building a chiropractic or veterinary practice. Lauryn also offers practical tips for future and current borrowers and highlights why proactive loan management is key to long-term financial success.Topics covered in this episode: Meet student loan expert, Lauryn WilliamsUnderstanding Student Loan PlannerRecent changes in student loansIncome-driven repayment plansPublic Service Loan ForgivenessFuture borrowers and inflationLinks and Resources: Find out more information about Student Loan PlannerClick HERE for $100 OFF a consultation and start building your custom repayment strategy today!Click HERE to gain more insight into student loans from their blogFind Student Loan Planner on FacebookFind Student Loan Planner on InstagramFind Student Loan Planner on YouTubeMaking Strides for Animal Chiropractic Links and Resources:Visit the Making Strides for Animal Chiropractic websiteVisit our Facebook PageVisit our Instagram Page Thank you to our sponsors!Academy for the Advancement of Animal ChiropracticEquigateHave an idea for the podcast? Please leave us a survey! 

Azul Terronez went from being an unknown schoolteacher to a Wall Street Journal and USA Today bestselling author. He is co-founder and lead coach at “Authors Who Lead,” a platform dedicated to empowering authors to share their stories. He turns our conversation with him into a courage clinic for would-be storytellers, late starters, and anyone who suspects their "zone of genius" is dying to be unleashed. He gives us the reframe that authorship isn't about words so much as the message beneath them.    ===    PLUTUS AWARDS: ONLY ONE WEEK LEFT TO VOTE   === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.  The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode 146 – Four Common Investment Mistakes Optometrists Should AvoidAs an optometrist and practice owner, you've got enough on your plate running a household, practice, and career - but what about your investments?In this episode of the Optometry Money Podcast, Evon Mendrin, CFP®, CSLP®, walks through the four most common investment mistakes he sees optometrists make when they come to his firm - mistakes that can quietly cost you over your career.You'll learn:Why a “junk drawer” portfolio is not a strategy (and how to create a clear investment approach).The difference between owning more funds and actually being diversified.How complexity for complexity's sake often adds cost and confusion without adding value.Why simplicity can lead to better outcomes, even for high net worth ODsWhy asset location - putting the right investments in the right accounts - can save you significantly in taxes over time.These aren't one-off missteps - they're patterns Evon sees over and over with ODs nationwide, and by avoiding them, you can create a portfolio that's simpler, more efficient, and better aligned with your financial goals.Resources and Links:Free PDF Guide: Key Issues to Review in Your InvestmentsSchedule a no-pressure introductory call with EvonOther Episodes Mentioned:The Optometry Money Podcast Ep 61: Should You Invest in International Stocks?The Optometry Money Podcast Ep 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingThe Optometry Money Podcast Ep 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingThe Optometry Money Podcast Ep 140: What Most Investors Get Wrong About Dividend InvestingThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

In this midweek episode, Bill and Jackie join the 'The Visible Voices' podcast, hosted by Dr. Resa E Lewiss. We highlight the voice of late starters and discuss: The huge gap that 'Catching Up to FI' is filling and what we mean by the 'silent majority' How shock, regret, and money-trauma can become fuel Unique advantages you may have when beginning your financial independence journey later in life Why micro-steps (Kaizen-style) beat grand gestures every time   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode Summary:You've done the hard work of creating your estate plan. But is it actually ready to work when you need it most? In this episode, Evon breaks down the four critical gaps that can make or break your estate plan's effectiveness — especially for busy optometrists and practice owners.We're diving into the implementation side of estate planning — those next steps after the documents are signed that so many overlook. Whether you've DIY'ed your estate plan or worked with an attorney, this episode will help you spot (and fix) potential breakdowns that could leave your family or practice exposed.

Morningstar's Christine Benz and investing-history legend Dr. William Bernstein announces the Jonathan Clements "Getting Going on Savings" Initiative. In 2024, Jonathan was diagnosed with a terminal illness and decided to use the proceeds from a final book to kick-start a new program that will directly help fund Roth IRAs for young adults (especially from low-income households) to the tune of $1,000 each. The John C. Bogle Center for Financial Literacy, a 501(c)(3) non-profit, is assisting with the project and 'Catching Up to FI' is proud to spread the word by replaying this conversation that originally aired on the 'Bogleheads on Investing' podcast (5/27/25).   ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)  

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast. Along with some of our favorite content creators, he shares his crazy spending screw ups-- and the life lessons that followed. Stories from:  Bill Yount (Catching Up to FI) Jesse Cramer (Personal Finance For Long-Term Investors) Diania Merriam (EconoMe Conference & Optimal Finance Daily)  Justin Peters (FI Minded, formally The Struggle is Real) Jordan (Doc G) Grumet (Earn & Invest) Joe Saul-Sehy (Stacking Benjamins) Jeremy Schneider (Personal Finance Club)    ===    VOTE FOR US: PLUTUS AWARDS  === We need your vote for the 2025 Plutus Awards! You can now vote for your hosts behind "Catching Up to FI” - Bill Yount & Jackie Cummings Koski.   ✅ WHAT IS THE PLUTUS AWARDS? The Plutus Awards recognize excellence in independent financial content. That's the best podcasts, books, video channels, blogs, and more.     ✅ VOTE  If you've gotten value from our content and think we are worthy of recognition,  please support by casting your votes here > >>  https://plutus.awardsplatform.com/. There's a short registration needed to vote and you'll be in and out in just a few minutes.    ✅ DEADLINE The deadline to vote is August 30th, 2025. Winners will be announced in October.   ✅ CATEGORIES Below are the categories we have been nominated for and we'd love your vote in each of them.  Catching Up to FI Best New Personal Finance Content Creator - Audio Content Creator of the Year: Audio People's Choice: Audio Best Financial Advisor Content/Jackie Cummings Koski, CFP Plutus Storyteller Award Best Traditional Retirement Content Best Personal Finance Content for Underserved Communities Best Personal Finance Content for Women   Other categories  Best New Personal Finance Content Creator - Written (F.I.R.E. for Dummies) Best New Personal Finance Book (F.I.R.E. for Dummies) Plutus Resilience Award (Jackie Cummings Koski) Best Financial Independence or Retire Early Content (F.I.R.E. for Dummies)    

Nev Kraguljevic, MBA, CSLP® (https://www.linkedin.com/in/nevkraguljevic/) is a Serbian-born financial planner at Elephant Corner Financial who spent 25 years inside higher-ed before pivoting to personal finance. Today Nev combines deep knowledge of student-loan rules, small-business cash flow, and inclusive planning to help medical-practice owners, immigrants, and LGBTQ+ families convert six-figure debt into long-term wealth.In this episode, Chris and Nev explore:1-From higher-ed career to fee-only planning pivot2- Student-loan strategies for medical small-biz owners3-“Value-first” sales method that makes prospects ask to sign4-Serving LGBTQ+, immigrants & first-gen wealth buildersConnect with Nev:Website: https://www.elephantcornerfinancial.com/https://guidingwealth.com/nev-kraguljevic/LinkedIn: https://www.linkedin.com/in/nevkraguljevic/Maximize your marketing, close more clients, and amplify your AUM by following us on:Instagram: https://instagram.com/ultrahighnetworthclientsTikTok: https://tiktok.com/ultrahighnetworthclientsYouTube: https://www.youtube.com/@uhnwcFacebook: https://www.facebook.com/UHNWCPodcastTwitter: https://twitter.com/uhnwcpodcastiTunes: https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite: https://uhnwc.comWork with us: https://famousfounder.com/faDISCLAIMERThis content is provided by Chris Brodhead and Ultra High Net Worth Clients podcast (“UHNWC”) for general informational and educational purposes only. Nothing contained herein is, or should be construed as, individualized investment, legal, tax, accounting, or other professional advice, and it is not an offer to buy or sell—or a solicitation of an offer to buy or sell—any securities, financial instruments, or other investments. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results; historical returns, expected returns, or projections may not reflect actual future performance. Before making any financial decisions, you should conduct your own due diligence and consult a qualified professional who understands your specific situation, objectives, and risk tolerance. UHNWC, its hosts, guests, and associated entities expressly disclaim all liability for any direct or indirect loss or damage incurred by any person who relies on the information presented.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode SummaryIn this timely episode, Evon unpacks the Department of Education's recent surprise announcement that interest will resume accruing on the SAVE plan's current forbearance beginning August 1, 2025. We explore what this means for optometrists managing student loans - especially those approaching forgiveness eligibility or considering refinancing.What You'll LearnSurprise Announcement: Why SAVE's interest-free forbearance ends on August 1, 2025, and how to prepareOBBBA Overview: How this new legislation (effective July 2026) changes income-driven repayment plan options - removing SAVE, PAYE, ICR plans as available options for current optometristsRepayment Roadmap: How optometrists should evaluate refinancing, staying federal, or switching plans based on degree completion and loan timingIDR Plan Comparison: Breaking down olcd vs. new IBR, PAYE, and SAVE rules - including repayment terms like 20‑year repayment at 10% of discretionary incomeStrategic Tax Planning: Using filing status and extensions (especially important in community-property states) to lock in the lowest monthly paymentTimeline Guidance: When key deadlines hit (Aug 1, 2025; July 2026; July 2028) and how to reconcile existing loans within the new REPAY plan frameworkResources MentionedThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Bogleheads favorite Jon Luskin, CFP® drops in for a masterclass on keeping money moves “so dull they sparkle.” He specializes in providing hourly advice to do-it-yourself investors and is a long-time advocate of simple, low-cost investing. In this episode he shares with us: Why every late-starter's to-do list should begin with an emergency fund and Social Security game plan before touching their asset mix How low fees—not “sexy” alts—make numbers grow His soup-to-nuts review (including insurance gaps, estate docs and Investor Policy Statement) How simplicity wins  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!In this packed episode, Evon Mendrin, CFP® and host of The Optometry Money Podcast, breaks down the biggest tax and student loan law changes optometrists need to know from the recently passed One Big Beautiful Bill Act (OBBBA).Evon discusses what's changing—and what's not—for individual and business tax rules, estate taxes, 529 plans, and the massive shift in student loan repayment plans. Whether you're a private practice owner, associate OD, or optometry student, this episode will give you the clarity to start planning wisely for the years ahead.Highlights from this episode include:Individual Tax ChangesLower tax brackets and the higher standard deduction made permanentNew temporary senior tax deduction for ODs 65+SALT deduction cap raised to $40,000 (with income phaseouts)Brand-new $2,000 charitable deduction even if you take the standard deductionEnhanced child tax credit and dependent care FSA limitsNew & Unusual Tax DeductionsTemporary deduction for personal auto loan interest (for new cars only)Deduction for overtime pay and tipsBusiness Owner Wins20% QBI deduction is now permanent—and its phaseouts widen in 2026100% bonus depreciation is back!PTET workaround for SALT cap still lives onStudent Loan Changes: Huge Overhaul AheadSAVE, PAYE, and ICR plans eliminated after 7/2026Current Borrowers gradually transitioned by 7/2028Forgiveness periods shift, with new rules and income considerationsFuture optometrists face new federal loan caps and more restricted repayment options529 Plans & Trump Accounts529s can now be used for CE and licensing expensesNew "Trump Accounts" for minors open in 2026: Traditional IRA-style investment accounts with government seed moneyBottom Line: You don't need to make big decisions today - but now is the time to start planning. Evon covers how these changes may affect optometrists in every stage of their career - from practice owners to new grads.Resources & Links:Dept. of Ed Update: SAVE Interest Accrual Begins Aug 1stSchedule a Free Intro Call with EvonNewsletter on Tax Provisions (and don't forget to subscribe)The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

You asked and we answered! In this episode we tackle listener questions with more than just a one-sentence response… we go deeper and give you answers with our thoughtful insights, ideas and considerations important to late starters. These are the questions we cover on today's show:   ✅ Bill's costly mistake with whole-life insurance; what should you do instead? ✅ How does the $19,000 annual gift tax exclusion work? ✅ Do I have too much in cash as I'm approaching retirement? ✅ I'm new to investing and pay someone to manage my 401(k). I also want to start a Roth IRA, is now a good time? ✅ What if you're low income and can barely save, how do you move the needle? ✅ What is the middle class trap?  

On this mid-week episode we join the upbeat creators of 'Rebel Finance School', Alan and Katie Donegan, for a turbo-charged pep rally aimed at every late-starter who's ever whispered "it's too late for me." We kicked off the Donegans' free 10-week course that's helping thousands around the world on their journey to FI.    

Jillian Johnsrud—mini-retirement evangelist, mother of five, and author of 'Retire Often'—returns to show us why pressing pause can be the ultimate career accelerator. In this episode she explains the three hallmarks of a bona-fide mini retirement and the three ways to snag one: 1️⃣ Negotiate a sabbatical 2️⃣ Slot it between jobs 3️⃣ Pounce when life throws an unexpected layoff or family crisis  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Are individual bonds better than bond funds? What's the actual difference between the two—and why does it matter for your investment strategy?In this episode, Evon Mendrin, CFP®, CSLP®, dives into the key distinctions between individual bonds and bond funds, and what private practice optometrists need to consider when deciding between them. Whether you're aiming for stability, income, or long-term growth in your portfolio, understanding how these investment tools work can guide better financial decisions.In this episode, you'll learn:What a bond actually is and how it functionsThe key differences between owning individual bonds and investing in bond fundsThe pros and cons of each approachWhy “safety” in bonds can be misunderstoodHow market interest rates affect the value of your bonds or bond fundsWhen it may make sense to use one over the other in your financial planResources mentioned:Vanguard: Individual Bonds vs. Bond FundsVanguard: Taxable Bond Investing - Bond Fund vs. Individual BondsUS Treasury DirectS&P Dow Jones: The Hidden Costs of Retail Purchases in Investment Grade Municipal BondsA Wealth of Common Sense Blog: Owning Individual Bonds vs. A Bond FundRelated Episodes:Podcast Ep 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

On this mid-week episode, we're switching it up again. This time Bill joins the 'Finance for Physicians' podcast with host Daniel Wrenne, CFP®. In this vulnerable interview, Bill owns up to every late-starter mistake—credit-card splurges, 'free' advisors, and lifestyle creep after a twin-sized home upgrade. Then he slings real-world antidotes: pause-plan-pivot, backward budgeting, downsizing the McMansion, and letting Social Security's ‘inflation-proof annuity' finish the job. Bill's best advice is that physicians should treat money like they treat medicine—learn the language, follow the protocol, and stop ignoring the labs. Now a Financially Independent Physician, we're giving Bill a new name: the (FI)sician!  

In this episode we are joined by Cary Carbonaro, an award-winning author, and Certified Financial Planner™ with over 25 years of experience. Her specialty is empowering women to discover their unique path to financial independence. One thing we love the most about Cary is how radically transparent she is with her clients. Just call her the "Queen of Transparency" because she shares her tax return, investment portfolio and other parts of her financial life with them. In our conversation with her we discuss: The Great Wealth Transfer that she talks about in her latest book, 'Women and Wealth.' The unique needs of women and the psychology driving their financial decisions. The played out “widows and divorcees” stereotypes of women. Her analogy of comparing different shoes to asset classes. What women really want from financial professionals (hint: it's not just beating the market).  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Enjoy this rewind of a popular episode! In Part 3 of a 3 part series, Evon dives into the many financial planning considerations optometrists need to think about when you own a more established, mature private optometry practice - both inside the business and in the household.A few of the planning topics practice owners should think about are:Maintaining your vision for the ideal practice and ownership lifeBuilding guardrails around your practice based on your ideal lifestyleCreate a separation between your practice and personal financesCreate a framework for deciding how to best use the cash flow your practice createsGetting the most from your practice retirement plansPlanning for financial independence and retirementBalancing the growth of different parts of your net worth over timeRisk management, contingency planning in the practice, and estate planningKeep an eye on the other financial goals in your life outside the practiceKeeping in close contact with your professionals. Have questions on anything discussed or want to have topics or questions featured on the show? Send Evon an email at evon@optometrywealth.com.Check out www.optometrywealth.com to get to know more about Evon, his financial planning firm Optometry Wealth Advisors, and how he helps optometrists nationwide. From there, you can schedule a short Intro call to share what's on your mind and learn how Evon helps ODs master their cash flow and debt, build their net worth, and plan purposefully around their money and their practices. Resources mentioned on this episode:Refractional CFO - Jackson Pace, CPASimple Numbers, Straight Talk, Big Profits! by Greg Crabtree and Beverly Blair HarzogRelated Episodes:The Optometry Money Podcast Ep 64: How to Invest Six Digits A Year Into Your Practice Retirement Plans with Matt RuttenbergThe Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFPThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies', Jackie Cummings Koski, CFP®, AFC®, continues through an easy to follow checklist of tax considerations in retirement. She demo-drives 72(t) and RMD calculators, live-shops the ACA site to score premium tax credits, and shows how Medicare surcharges work.  Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect)   This is the second part of a two-part series and part 1 aired last Wednesday. This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.  

Mention financial independence and one of the first names that come up is JL Collins, author of the bestselling book 'The Simple Path to Wealth'. In fact, he is affectionately known as the Godfather of FI. One million copies and 10 years after its original publication, JL back with a shiny new, revised and expanded edition... and it just hit the New York Times Bestseller list!!! We know you've heard and seen JL all over the place because he is a BIG deal. But we uncovered some intriguing facts about his life and career that isn't often talked about (we're just curious like that). Here are five things you probably didn't know about JL Collins that we discuss in this episode: Before he ever started writing about financial independence, he worked in the magazine publishing industry.  He was a job-hopper throughout his career to make more money and took lots of sabbaticals because he liked working, just not all the time. He started writing his blog to teach is daughter (Jessica) about investing, problem was… she wasn't listening when she was a kid. His daughter (Jessica) is now in her thirties and turns out, she has gained a deep understanding of his teachings (way more than he originally thought). She's now firmly on the path to FI and just left her corporate job. His daughter Jessica was part of his team in updating the new version of ‘The Simple to Wealth' and getting to work so closely with her was the most gratifying part for him as a dad.  

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Dividend investing is one of the most passionately followed strategies online - yet much of the enthusiasm is driven by misunderstandings of how dividends work. In this episode, Evon Mendrin, CFP®, CSLP® of Optometry Wealth Advisors, dives deep into how dividends actually work, why they aren't “free money,” and what ODs need to understand before chasing high-dividend stocks or funds - especially in taxable accounts. He also explores when, despite all of this, a dividend-focused approach might still be rational for the right investor.In this episode, you'll learn:What dividends actually are and how they function within public companies and your own optometry practice.Why dividends aren't “extra” return, and how stock prices adjust for them.The real-world tax consequences of dividends - especially in taxable brokerage accounts.Why fewer companies pay dividends today, and how stock buybacks often take their place.How dividend investing can actually reduce diversification and tilt your portfolio away from global opportunities.What explains the performance of dividend-heavy portfolios (spoiler: it's not the dividends).Why “I need X in dividends to retire” is a myth, and how to think about withdrawals and cash flow instead.When a dividend strategy can make sense - despite being suboptimal on paper.Resources mentioned:Dimensional's Research on Dividend Price AdjustmentsMeb Faber's “Shareholder Yield” BookBen Felix Video on Dividend InvestingRelated Episodes:Ep 135: Beyond Indexing – An Optometrist's Guide to Factor-Based InvestingEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Tax talk without the snooze-fest! This mid-week episode is the recording of a session done with the smart women of the WE (Women Empowered) Wealth Collective, titled: What Every Woman Should Know About Minimizing Taxes in Retirement. ‘Catching Up to FI' co-host and author of ‘F.I.R.E for Dummies' Jackie Cummings Koski, CFP®, AFC®, turns this insightful discussion into a masterclass on trimming Uncle Sam's tab at every phase of retirement. Jackie rewinds to her own FIRE (Financial Independence, Retire Early) journey: the divorce-day "401(k) gap" that lit her savings rocket, supersizing her HSA past $200,000, and hitting FI at 49 with a 40% savings rate. Expect plain-English breakdowns, plenty of ‘there are no dumb questions' crowd chat, and Jackie's trademark mix of CFP level and girlfriend realness. Topics for the series include: Age-band tax checklist (pre-55, 55-65, 65-75, 75+) Separating "macro" worry (markets, policy) from micro action (what you control) Early withdrawal strategies  (Rule of 55/50, 72(t) / Equal Payments, HSAs, Affordable Care Act/Tax Credits, Brokerage Accounts, ect) Tax Minimizing tips during normal retirement (Social Security, Medicare Surcharge, Increased Standard Deduction, Balancing account types) Later in life considerations (RMDs, Qualified Charitable Distribution, Inheritances, ect) This is part one of a two-part series and the second part will be aired next Wednesday (6/18/25). This session references visuals from a presentation that is better viewed on youtube or you can follow along using this slide deck.   Disclaimer for this session: The intent of this session is open discussion about money topics that makes us all a little smarter. The content is for general education and information purposes only, and is not providing financial, legal, or tax advice. Always do your own research or consult a professional before making important decisions.    

Wall Street has us all on edge right now, so we called in one of the smartest people we know when it comes to stock market to help us make sense of it all, Sam Stovall. Sam is CFRA's Chief Strategist and a market historian that knows his stuff! He joins us in this episode to discuss: What stock market history tells us about the shaky situation we're in today  What tariffs really have to do with the stock market and economy  The 'rebalance' rule  Mid-term election tailwinds  Where the federal reserve fits into all of this  

Student loans are still in a state of chaos, and Meredith Jones, DVM, CSLP®, AFC® is here to help you make sense of it all. From court rulings to sweeping legislative proposals, borrowers are facing a confusing and rapidly evolving landscape. Whether you're pursuing forgiveness, considering switching repayment plans, or just trying to keep your head above water, this episode helps you understand what's happening now, what could be coming, and what actions (if any) veterinarians and vet students should take.Key topics:The status of the SAVE plan and what borrowers should consider if switching to IBR
What's actually in the House reconciliation bill—aka the One Big Beautiful Bill Act
How the proposed RAP plan could impact veterinarians specifically
What changes might be coming to PSLF, Grad PLUS, and borrowing limits for future vet students
Why panicking (or refinancing) is not the move right now
One overlooked benefit in the bill that could help borrowers long termLinks mentioned in this episode:Debt-Free Vets Facebook GroupAdam Minsky – Student Loan Updates on ForbesLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

In this episode we are joined by Julien and Kiersten Saunders, co-creators of rich & REGULAR and authors of 'Cashing Out: Win the Wealth Game by Walking Away'. What started as a blog in 2017 has grown into a multimedia powerhouse, all centered around their mission… to inspire better conversations about money. Hear why Julien walked out of corporate life before he had 'FU money,' and how Kiersten's Valentine's Day resignation collided with the pandemic. They also talk to us about:  Their 15-year 'Cashing Out' career sprint The power of 'Money on the Table' (think Anthony Bourdain meets FIRE) The joy of raising an eight-year-old who calls 78-year-olds his besties A reminder that aiming for the heart—rather than the wallet—can turn any late start into a blockbuster finale 

Childhood crushes can bloom into full-blown FI fairy tales, and Paul and Amanda Mollenkopf are living proof. They join us to tell their story and showcase the world premiere of Paul's first book, ‘Once Upon a FI.' What started out as letters to his daughter grew into a delightful collection of short stories inspired by timeless classics and fables. The book is a refreshing approach to spreading the message of financial independence to even the youngest readers. The clever analogies using classic tales inspire valuable generational conversations around money and include: The Tortoise and the Hare: A Race to Financial Independence The Odd Duckling: Finding the Like-Minded Jack and the Beanstalk: Magic Cards that Sprout Growing Debt The Boy Who Cried Wealth: A Lesson in Stealth Wealth The Three Little Pigs: Getting a Straw, Sticks or Bricks Mortgage Chicken Little: The Market is Falling A Spending Carol: The Spirits of Spending Past, Present and Future Oh, The Places You'll Go: The Things that You'll Do, with FI Community standing by You  

Aussie paramedic-turned-life-coach Tasch Rogers joins us to unpack the head-on crash that shattered her body, her finances—and ultimately her limiting beliefs. After a 30-year career as a first responder, she had to leave it all behind and start over. She became intimately familiar with the effects of trauma and PTSD, having personally navigated through her own healing journey. Now as a life coach with expertise in holistic modalities and various other disciplines, she helps others using a warm, compassionate, and non-judgmental approach.  ***Trigger Warning: This episode includes discussions of mental health issues such as PTSD and suicide. These topics may be difficult for some listeners. If you need support, please consider reaching out to a trusted friend, professional, or crisis resource. Take care of yourself and listen at your own pace.  

Bill hops onto Jesse Cramer's 'Personal Finance for Long-Term Investors' (formally The Best Interest) podcast to spread the message that it's never too late to start. In this episode he shares: The messy, shame-to-FI journey that inspired Catching Up to FI His three-step "Pause-Plan-Pivot" playbook His trademark mix of candor, nerdy humor, and high-five optimism  

George Kinder is the pioneering mind behind Life Planning and founder of the Kinder Institute. He joins us for the second half of our enlightening conversation about the essence of financial freedom from last week. George is best known as the Father of Life Planning and creator of The Three Kinder Questions that probe deeper into our hopes, dreams, and fears. This episode brings you: The real meaning behind the Kinder Questions A little live therapy session with Bill & Jackie as they share thier answers to the Kinder Questions The EVOKE life‑planning process (Exploration – Vision – Obstacles – Knowledge – Execution) The Three Domains of Freedom: the freedom of each moment, the freedom to live one's life purpose, and the freedom of civilization 'The Freedom Song' — written and performed by George Kinder & his daughter London Kinder  Be sure to go back and listen to last week's episode 140 to catch the first part of our conversation with George Kinder.  

Joining us on this episode is not just one, but TWO titans in the investing and financial literacy space, Rick Ferri and Paul Merriman. These two great minds go head-to-head on topics like asset allocation, and the risks/rewards of small cap value funds vs. total stock market funds. Through this high energy debate, they also provide expert insights into the various stages of your investing journey. Rick and Paul both share how they empower investors through their platforms and continue their relentless mission of spreading financial education.