Podcasts about health savings

This episode discusses the adjustment in tax brackets and changes in contribution limits for tax advantaged accounts for 2025. Marginal Tax Rates for 2025 37% for single taxpayers with incomes over $626,350 and $751,600 for married couples filing jointly35% for incomes over $250,525 and $501,050 for married couples filing jointly32% for incomes over $197,300 and $394,600 for married couples filing jointly24% for incomes over $103,350 and $206,700 for married couples filing jointly22% for incomes over $48,475 and $96,950 for married couples filing jointly12% for incomes over $11,925 and $23,850 for married couples filing jointly10% for incomes $11,925 or less and $23,850 or less for married couples filing jointlyThe standard deduction for 2025 is $15,000 for single filers and $30,000 for married couples filing jointly.  Social security tax now applies to the first $176,100 of income, up from $168,600 in 2024. This means paying an extra $465 in 2025 to social security taxes for salaries above $176,100. 2025 Contribution limits401(k) 403(b) and 457 employee contribution limitsUnder age 50 $23,500Age 50-59, age 64 and older $23,500 + $7,500 catch up for total $31,000Age 60-63 - $23,500 + $11,250 catch-up for total $34,750401(k) and 403(b) Employer contribution limits - $46,500 or 25% of employees salary, whichever is lower, contrubtions are salary capped at $350,000 IRA/Roth IRA Age

Ever wondered how to make your money work smarter for your health care costs? Join me, Stacey Hyde, as we unravel the complexities between Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) in this enlightening episode of Better Financial Health in 15 Minutes or Less. You'll learn how FSAs can be a great short-term solution for covering medical expenses like co-pays and eyeglasses, but they come with the caveat of potentially losing unused funds at the year's end unless your employer offers a rollover. On the other hand, I'll guide you through the long-term benefits of HSAs, which allow you to save tax-free for future health expenses, especially if you're aiming for a financially secure early retirement.Tune in as I explain how HSAs can act as a tax-advantaged super-saver account, much like a Roth IRA, and how they can serve as a financial lifeline by covering COBRA or exchange health plan premiums when you retire. This episode is packed with insights on how to strategically use these accounts based on your financial goals, whether you're a parent juggling childcare costs or planning for life post-retirement. Don't miss this opportunity to empower yourself with the knowledge to optimize your financial health and ensure you make informed decisions during this open enrollment season. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis TN 38137. (901) 422-7526, This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Join Andrew Brill and tax expert Tom Wheelwright for a conversation that will transform your view on taxes. As Tax Day approaches, discover innovative strategies to not just survive but thrive by turning obligations into opportunities. Tom unveils the hidden incentives within tax laws, offering a blueprint to minimize your burden while maximizing wealth. Whether it's reshaping how you invest or understanding the power of deductions, this episode is your guide to navigating the tax season with confidence. Dive into a conversation that demystifies tax laws and arms you with knowledge to safeguard and grow your wealth. Don't miss out on these expert insights – your wallet will thank you! Timestamps:0:00 - Introduction and Welcome1:09 - The Simplicity of Taxes2:19 - Changing Your Tax Mindset3:23 - The Tax Law as a Wealth Guide5:17 - Practical Examples of Reducing Taxes10:42 - Benefits of Being a Business Owner14:17 - Understanding Deductions20:03 - Strategies for Mortgages and Real Estate22:41 - Finding a Competent Tax Advisor27:16 - Navigating IRS Audits30:26 - Life Events and Tax Planning32:31 - Investing in Your Future35:05 - Health Savings and Spending Accounts36:45 - Where to Invest for Tax Benefits43:25 - Estate Planning Insights46:36 - Exploring Energy and Agriculture Investments

In this compelling episode of The Healthy Project Podcast, I welcome Vanessa Guzman, the dynamic force behind Smartrise Health, a platform meticulously designed to re-engineer and enhance care processes across health systems and organizations. Dive deep with us as we explore the innovative methodologies employed by Smartrise Health in mitigating health disparities and promoting equitable care.Discover insights into: The comprehensive re-calibration and redesign of care processes for health systems and plans, ensure a robust framework to address disparities. The meaningful impact and tangible outcomes of implementing Smart Rise's strategies, including staggering savings and enriched community-focused programs.  Educational platforms and fellowships aimed at empowering healthcare leaders and embedding a culture of health equity across organizations. The benevolent layer of Smartrise, reinvests a significant portion of revenue into charitable activities, thus perpetuating a cycle of giving and community upliftment. Vanessa shares firsthand experiences and innovative approaches towards designing a healthcare model that doesn't just identify, but also strategizes and implements practical solutions for bridging the gaps in quality care. We delve into not just the how but also the why behind creating a healthcare system that is equitable, accessible, and effectively addresses the root causes of disparities.Connect with Vanessa and explore more about Smartrise Health's pivotal role in championing health equity, redefining care processes, and shaping the future of healthcare delivery. www.smartrisehealth.comConnect with Corey:LinkedinInstagramFacebookYouTubeX (formerly Twitter)Website ★ Support this podcast ★

Moore introduces Advance Health Savings Act -- LDS Church spokesperson elaborates on Tim Ballard rebuke  

I've talked about Health Savings Accounts (HSA's) in the past but it was time for Matt Robison and I to revisit one of my favorite retirement accounts. You read that correctly, HSA's are great vehicles for retirement savings. Here's the four W's:What: What is a Health Savings account? It is an employee benefit intended to offset health care costs of high deductible insurance plans. Once opened, employees and employers can contribute to this account (more on this below). The money can be used now to pay for out of pocket medical expenses such as co-pays, prescriptions and even certain over-the-counter items such as sunscreen OR it can be saved to pay for medical expenses incurred in the future and to reimburse for expenses paid during the eligible period.Why: Why open an HSA? It's simple: Contributions made to the account are tax free. Eligible withdrawals are tax free. And all money earned in the account incurs no tax burden. That is the triple tax benefit!How: How do you open an HSA? Have a chat with your company's HR department. Evaluate your options. Choosing an insurance plan for your family that works for your current needs is the priority. If your employer offers a high deductible plan with an HSA and you have the means to cover your health care expenses, open the account. Contribute the maximum per year (often employers will contribute to these accounts as well so be sure to take advantage of FREE MONEY). Invest the money in the account in a low cost index fund. Let the money grow while you collect receipts for your eligible medical expenses. In 10-20 years, use all that cash to buy yourself a new knee or hip or reimburse yourself for all those kids' urgent care bills and pay NOTHING to Uncle Sam.Who: Who can take advantage of this amazing benefit? Anyone working for an employer that offers an HSA. Check with your HR department today!Tune in to hear more details about this savvy retirement savings strategy.Learn more about Mike and my services at https://www.mortonfinancialadvice.com and connect at https://www.linkedin.com/in/mwsmorton/Are you ready to create your ideal lifestyle? Let's Connect.

Overall wellness depends on several factors, including mental, physical, and financial health. Financial wellness is important because it improves your overall health and well-being. In addition, it allows you to reduce financial-related stress now and in the future. In this episode, Elizabeth and today's guest, Madeline Stolberg, explore the differences between HSAs and FSAs; what are the acronyms? Their key differences between them? And more. Madeline is an Employee Benefits Account Manager with Assurance and loves working with employees and employers to help them understand and maximize their benefits and become better healthcare consumers.Connect with Elizabeth: https://www.linkedin.com/in/elizabethblissett Connect with Madeline: https://www.linkedin.com/in/madeline-s-0230a1a0Learn more about New Home Star:  https://www.newhomestar.com

It's Sunday, which means...it's recap time here on the Retirement Quick Tips Podcast This week the theme was: How To Fire Your Financial Advisor In case you missed any episodes, here's what we discussed this week… How To Select A New Advisor Understanding The Account Transfer Process You've Left Your Financial Advisor For Someone New. What's Next?  The most important takeaway from this week is… Tomorrow I'm starting a brand new weekly theme: New Retirement Plan Limits For 2023 One thing that we can thank inflation for as we close out the year is that the IRS recently announced huge bumps in retirement savings limits for 2023. So next week, I'll talk about what's changing for your 401k, IRA, and Health Savings accounts, and how you can best take advantage of these higher contribution rates.  Thank you so much for listening this week! If you're enjoying the podcast, chances are someone else you know who is getting close to retirement could also benefit from checking it out, so please share the show with a friend, a neighbor, your sister, or your boss. Just go to your favorite podcasting app, hit the share icon, then text or email the show link to someone you know who is eyeing retirement.  Thanks for sharing the love and spreading the word. I hope you have a blessed Sunday. My name is Ashley Micciche, this is the Retirement Quick Tips Podcast. ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/  ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance

Consumer demands of affordable health plans along with Health Savings account will transform the healthcare and will bring down the costs with affordability, competition and transparency. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

This week, the topic of discussion was: Health Insurance Affordable Care Act Medicaid Medicare HMO PPO IPA EPO In Network Out of Network Preferred Provider Health Advocacy Cash Health Savings Pandemic TeleHealth Online Consultation Experts Hernia SpecialistHerniaTalk LIVE is a Q&A hosted by Dr. Shirin Towfigh, hernia and laparoscopic surgery specialist who practices at the Beverly Hills Hernia Center. This is the only Q&A of its kind, aimed at educating and empowering patients about all things related to hernias and hernia-related complications. For a personal consultation with Dr. Towfigh: +1-310-358-5020, info@beverlyhillsherniacenter.com.If you find this content informative, please LIKE, SHARE, and SUBSCRIBE to the HerniaTalk Live channel and visit us on www.HerniaTalk.com.Follow Dr. Towfigh on the following platforms:Youtube | Facebook | Instagram | Twitter

Arrange a one-on-one call with John Sbrocco and Crystal Hoarau. Learn the Virtue Health Consortium process, and start prospecting with NO IMQs and NO CLAIMS DATA >> CLICK HERE TO CHOOSE DATE / TIME Have your prospects and clients asked you about Health Savings Accounts yet? If not, they will, soon. When implemented successfully, HSA can: ✔️ lower health insurance premiums✔️ get triple tax savings ✔️ be health insurance carrier-neutral✔️ have savings for the future Seems like a dream deal... but like many dreams, it can turn into a nightmare!Luckily, we're here to help you gain some experienced perspective so you can ask better questions from your clients and prospects. Join John Sbrocco and Craig Lack for tonight's episode on the Heads Up Adviser Show "HSA: Stepping Stone or Stumbling Block."  

  Is a 401K the only way to invest your money with the help of your employer? What if there was an easy way to invest your money and plan for your health care expense at the same time? All the way back in episode one, I discussed the value of using a health savings account or HSA.  In short, an HSA helps pay for out-of-pocket medical costs but is also a good retirement savings vehicle too. While it is true that investing in a 401(k) or other workplace-defined contribution plans is the best way to start saving for retirement, they are by no means the only option!  Join me on this episode as I share some helpful tips regarding health care savings accounts, who some of the top providers are, and much more. Don’t miss a minute of this informative episode!  You will want to hear this episode if you are interested in... What a health savings account (HSA) is and how it works [1:00]  The top HSA providers on the marketplace [4:00]  Breaking down the difference between providers for spenders & investors [6:00] Why Fidelity is ranked as the best provider for investors [9:30]  Don’t miss this great opportunity to invest your money [11:00]  The top HSA providers on the marketplace  Morningstar reviewed eleven HSA providers and created a helpful report that examines the benefits of using each one. That review covered Fidelity, Lively, Health Equity, the HSA Authority, Fifth Third, HSA Bank, Optum, Bend, Bank of America, Further, and Health Savings. They divided each of these providers into one of two categories, providers appropriate for spenders and providers that were appropriate for investors.  Those later in life will want to take more of a spender approach so you can start spending down the balance in your HSA. Those who want to invest are typically those who are younger and have fewer health care costs currently. Make sure to check out the link in the resources section to get access to the Morningstar report.  Don’t miss a great investment opportunity Where are you at when it comes to HSA options in your plan? Have you maxed out your investment options? If you don't have a health savings account and you qualify for one or maybe you just don't put very much into it - then you should really think about fully funding that up to the maximum amount possible. I also want to stress that an HSA is a great way to save money as it allows you a triple tax-free benefit. To learn more about HSA accounts and how to utilize them to their fullest potential, make sure to listen to this episode!  Resources Mentioned on This Episode How To Make The Most of Your Health Savings Account Ep #1 https://www.morningstar.com/lp/hsa-landscape Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact

In this episode, Dan & Ian help clarify the confusion surrounding Health Savings Accounts (HSA). Also, they dive deep into the requirements and contribution limits to the plan. Furthermore, they explore Flexible Spending Accounts (FSA) which allow for another option of healthcare savings. Below there is an outline of the episode and further information regarding health savings.KEY POINTS: Health savings accounts (HSAs) -Are like personal savings accounts, but the money in them is used to pay for health care expenses. You — not your employer or insurance company — own and control the money in your HSA. The money you deposit into the account is not taxed. -To be eligible, you must be enrolled in a High-Deductible Health Plan (HDHP). Contributions to HSAs generally aren't subject to federal income tax, and the earnings in the account grow tax-free. -Contributions can come from you, your employer, a relative, or anyone else who wants to add to your HSA. The IRS does, however, set limits. In tax year 2020, for example, the limit is $3,550 for individuals and $7,100 for families, plus an additional $1,000 "catch-up" contribution for anyone age 55 or older by the end of the tax year. KEY POINTS: Flexible Spending Account (FSA)-Same thing as HSA, except you do not need to be part of HDHP-Employee of an employer who sponsors the plan-Can be used for additional medical expenses not covered or explicitly mentioned in HSAs-Limited to $2,750 per yr per employer -Spouse can contribute $2,750 to their own as well-HSAs are more flexibility than Flexible Spending Accounts (FSAs), which can only be carried over in an amount up to $500 or 2.5 months into the following plan yearFollow & Subscribe to The Small Business Experience:Youtube: https://www.youtube.com/channel/UCgCgrWab2pDhnQ3pZvbI0ZwInstagram: https://www.instagram.com/smallbusinessexperienceFacebook: https://www.facebook.com/The-Small-Business-Experience-101691538462054Twitter: https://twitter.com/TheSmallBizExpLinkedIn: https://www.linkedin.com/company/70527961/admin/Buzzsprout: https://thesmallbusinessexperience.buzzsprout.com

Melinda chats with CPA Roy Nelson about how to cover high medical expenses They discuss employer-provided health insurance as well as personal insurance policies and Medicare/Medicaid. They talk about the benefits of Flexible Spending Accounts and Health Savings Accounts and how those programs are different. Roy also shares a valuable strategy for ensuring your loved one’s future is protected in case of death or disability of the breadwinner(s) providing for the needs of your chronically ill child. roy@nelsonprogroup.comwww.nelsonprogroup.comInstacart - Groceries delivered in as little as 1 hour. Free delivery on your first order over $35.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.

Listen to Past Episodes of Financial Jargon:Financialjargon.comStart your conversation with a Real Financial Advisor today:Oakmont Resources:https://www.irs.gov/publications/p969Invsestopedia - This Vehicle May Be Better Than 401khttps://www.fidelity.com/viewpoints/personal-finance/hsa-healthy-habitsBegin creating your personalized Retirement Plan - click here

On the Retirement Trailhead this week. Jason Lambert and David Topper cover a few different ways to plan ahead for your retirement future. Starting with Elder Care, then moving on to Life Insurance and Health Savings accounts. Then some tips to Simplify Retirement. Finally, the Market Wrap explores the world of Mergers and Acquisitions.

Brian Quaranta discusses how to maximize contributions for 401(k), Social Security, and Health Savings accounts before the end of the year. Advisory services offered through Foundations Investment Advisors, an SEC Registered Investment Adviser

Health Savings accounts are more than just a way to medical expenses. Boomer Benefits co-founder Danielle Kunkle Roberts shares some of the often overlooked ways these accounts can help with much more, including an under the radar retirement benefit. For more information, visit the show notes at https://www.bobbirebell.com/podcast/daniellekunkleroberts 

Welcome back to episode 78 and the 2019 journey to financial freedom.  By this phase of our journey you should have checked with you bank to make sure you have the highest interest pay accounts for your money, implemented the savings formula for your age group, checked with your HR department to make sure you are maximizing your benefits and put in place a way to get free money thru your 401k plan.  If you missed any of these lessons they start in episode 75 and are under the courses tab on my website www.cindybbrown.com  This will be our last week of discussing benefits – but this is a big one Health savings accounts and flexible spending accounts Healthcare can be costly even for the healthiest among us. Even if you have insurance through your employer, you might consider taking advantage of one of the federal government programs that encourage saving for medical expenses not covered by insurance. The tax benefits can be substantial. The two types of accounts most often offered to employees are the Health Savings Account (HSA) and the Flexible Spending Account (FSA). Self-employed people can open an HSA but not an FSA. Trying to choose between a health savings account (HSA) and a flexible spending arrangement (FSA) can be enough to make your eyes cross. In some ways, they’re very similar: they’re both accounts you can contribute to tax-free to save for medical costs. In other ways, they’re very different, and with several key differences between HSAs and FSAs, it literally pays to get this decision right. _______________________________________________________ Get my NEW book Pragmatic Prosperity now! Download Think and Grow Rich ---> CLICK HERE Listen on iTunes or Listen to/download this episode here: Love the show? Tweet me a shoutout at: @Cindybbrown777 Want to sponsor episodes of Unlocking the Secret of Living Rich?  Email Cindy at : cindy@cindybrown.com Mentioned in this show: Follow us on Facebook: Cindy B Brown Subscription/SocialLinks: Subscribe on iTunes! Subscribe to the Living Rich Mailing List http://www.cindybbrown.com LIVE RICH!

Bart discusses the most GTO to approach health care on the individual market recommending and discussing Health Savings accounts.

There’s a common vocabulary that we hear over and over again – invest in your 401(k), IRA, Roth for retirement – which of course is a good thing, but we don’t talk a lot about a special savings account that can tandem a high-deductible health insurance plan called a Health Savings Account, or HSA. This account has some super special secret powers that can benefit you now and in the future.What You'll LearnYou'll learn enough about Health Savings accounts to figure out if it works for you and to impress your friends at a dinner party!Did you know there’s a type of savings account that has a triple tax advantage? Pretax contributions go in, interest and investment earnings build up tax-free, and withdrawals for qualified health care expenses are also tax-free in your HSAWhat type of health insurance plan you need to be eligible for an HSAWe'll talk about the three magical ways you can use your HSA account to help you both now and during retirement (including some sneaky tricks)Deep dive into the benefits of investing in an HSA vs. your 401(k) - and what are some of the cons to be aware ofWhat counts as a qualified health care expense with your HSA accountSUBSCRIBE & REVIEWWant to be the first to know when new episodes are released? Click here to subscribe in iTunes!Also, podcast reviews are super important to iTunes and the more reviews we have, the more we can spread the Millennial Money message (those iTunes algorithms are crazy). I’d be honored if you left a review and let me know what you love about the podcast.Ask ShannahHave an Ask Shannah question, submit it hereSunday Seven Email ClubMillennial Money is more than just a podcast, we’re all about family here. Join us each weekend for our Sunday Seven Email Club, where we’ll share bonus episodes, money tips, life hacks, exclusive music drops, travel deals, breakfast treats, and a whole lotta’ fun!Get SocialShannah on TwitterShannah on Instagram

Military FI Today on the podcast we spoke to Grumpus Maximus, a blogger and active member of the Financial Independence community, who takes a special interest in teaching his followers about pensions and retirement accounts.  The thing about today’s episode that was so striking, was that we spent a good portion of it talking about the psychological difficulties of staying at work when you are no longer interested or it is affecting your mental health.  Have you ever felt this way? Stuck in a job where everyday feels like a repeat of the day before? Both Wendy and I have had moments in our careers where we’ve felt the urge to break free of a job that weighed on us.  Grumpus has felt this way too, but there is added pressure from his job because unfortunately (fortunately?) he is inches away from crossing a Military Pension finish line!     Today we learned so much more about Grumpus’ interesting back story, and we discovered tips that will help us to more deeply assess our retirement planning options. Who Is Grumpus Maximus Grumpus is a natural storyteller.  He took us back through his life, highlighting the major financial turning points along the way.  We were able to fully explore each windfall and/or decision, and gathered some great tips for parents or individuals that find themselves in similar situations today.   Timeline: The Financial History of Grumpus Financial “Windfall” at an early age (but at a major cost) Entering the military as a Master’s Degree Level Officer The Mental Breakdown that changed everything The Birth of Grumpus Maximus and The Golden Albatross Blog The Grumpus Approach to Retirement Accounts Military members have so much to consider when maneuvering their way through their financial benefits, and much of the time they are not provided with adequate personal finance education.  This is something many non military members can also relate to. In both instances we are faced with making potentially life altering money decisions from a place quite close to ignorance. Grumpus defined the “High Three Pension Benefit” open to military members before a certain date, and he also defined various retirement accounts for us.  He talked a little about 403bs, 457s, federal/state and military pensions, defined contribution pension, and other accounts. Grumpus also discussed the key steps a person needs to take to figure out what accounts they have access to within their jobs, and also, how to value a pension!  In order to know whether or not you should  walk away from a job or stay is to see exactly what you are walking away from.  Figuring out the true value of the pension is part of that decision making process.   The true definition of a pension   defined benefit pension (paid in perpetuity) declining in the private sector (under 8%), more in the union benefits.  Become more powerful when connected with life insurance, health care benefits, cola adjustments. Defined contribution pension plans (public schools, etc) - access to a 403b and 457 plan usually the case as well. These come with some perks as well, such as being able to access the money prior to normal retirement dates. Thrift savings program - savings vehicle within the military. New development is a potential for a match, but this is a new blended program. The previous plan was the High 3s plan.  There are trade offs, including the reduction of the multiplier from 2.5 to 1.5, but there is not a match component.  Your contributions are matched by the federal government to a certain percentage. This means that if you don’t make it to 20 years, which represents the majority of military members,  you will at least leave the military with the matched contributions! This is a huge change, and will serve as a benefit for most. Roth options vs. Traditional options generally affect taxes. Health Savings accounts can act like a retirement vehicle the way they are currently written. The Grumpus Approach to Gutting It Out Grumpus talked openly about the juxtaposition of mental health vs staying in a career. In fact, he wrote an awesome post about “gutting it out”.  After reading the post, I wrote a direct response blog.  It was a fun exercise because it showed that there are things within our control that we can do to make the best of the work situations that we find ourselves in.   It is key to note, if you are truly feeling depressed within your current situation, you may need to speak with a mental health professional to tease out whether you are just going through an emotional lull or if you are facing real depression.  True depression requires additional support and possibly a change of environment. Please find professional help if you feel that you are in need of professional support. Military Benefits Let’s talk about Military Benefits.  Did you know about the GI Bill? Did you know that you can “give” your Gi Bill proceeds to a dependent or spouse?  Did you know that you can split the GI bill between multiple dependents? Did you know that as soon as you decide to pass the GI bill along, you should sign the paperwork?!  This is important because once you sign you incur a 4 year commitment starting on that day. Listen to find out the mistake that Grumpus made related to this GI Bill assignment! Also, check out the Yellow Ribbon Program to figure out which schools will cover educational costs above and beyond the GI Bill Maximums. There are other benefits too!  COLA, or cost of living adjustments are baked into the military pensions.  Health care access is extensive and healthcare coverage is one of the biggest FI issues facing those that want to retire early.  In America, health care coverage is tightly linked to work. You work, you get coverage. You don’t work and coverage is expensive to obtain.   Knowing the value of your benefits are the very first step to figuring out if you should stay or you should go.   Topic Overview For This Episode Grumpus Maximus about pensions and the military Where the name Grumpus Maximus comes from The Golden Albatross Grumpus Maximus’ backstory How he discovered the FI movement How he wanted to quit the military but would then lose all the benefits His relationship with Mrs Grumpus about money How to manage finances as a couple the non Grumpus way What FI looks like now for Grumpus How Grumpus got through the mental breakdown His top resources for learning about FI How to understand the pension How the military retirement system is changing for the younger generation Grumpus presented FI to his colleagues in the military Grumpus on the Final Questions: Learn to live within your means, Learn to save money, and the earlier the better!  Grow and compound your savings before you potentially hit that “Golden Albatross Moment”  High Cost of Living Area Hacks - Menu planning is a huge benefit for their family.  Mrs. Grumpus is buying meals with a specific intent, thereby saving their family thousands of dollars over time.  They also use the big box stores like Costco and Sam’s Club - but you must “do it right” so as to not overspend. Shop from your pantry first, and then meal plan.  Find Grumpus at www.grumpusmaximus.com , via email at grumpusmaximus@grumpusmaximus.com or on twitter @maximusgrumpus.  Join Grumpus’ facebook group to grump about any topic related to retirement!   Stay Tuned For Our Next Episode… Join us in the next episode when we talk to the most fun couple, Amon and Christina Browning of the Youtube Channel Our Rich Journey!  This family of four travels to foreign places to work, and they share their experience of traveling with a family. This episode with Amon and Christina was SO GOOD that Wendy is now secretly plotting out ways to convince her hubby to move abroad!   What was one thing you learned by listening to Grumpus? Let us know in the comment section below or continue the discussion in Our Facebook Group! Please take a moment to subscribe to the podcast via iTunes or Stitcher so you don’t miss the next episode! While you’re at it, give us a rating and Tweet the podcast to your friends. We are having a Free 4 week Money Bootcamp aimed at helping you get control of your finances, save more and spend less.  Space is limited, so send us a message via Facebook or through our website contact form today. If you’d like to be a guest on the show, please contact us on HouseOfFi.com

This week on Fifty+, Doug takes a look at neurological disorders, how a Health Savings account could save your life, and things we should tell our kids before they think we're stupid.

Do you feel like your lawyer can give you the best financial advice during your divorce? Today’s guest thought so too and ended up making some very costly mistakes. Her mistakes motivated her to become a Certified Divorce Financial Analyst so that she can help others avoid the mistakes she made. Melanie Johnson lives in Austin, TX and her firm specializes in helping people who are going through divorce sort out their finances and plan for their financial future. Clients may be trying to figure out how they are going to survive with reduced income or may be trying to figure out how to pay for college and other aspects of their children’s lives. Melanie specializes in making sure you are covered financially in every aspect of your divorce. She uses the facts and the numbers to show you the real cost of decisions, so you can make the best ones for you and your children!   Show highlights: Melanie can enter the picture at any point in the divorce process. With divorce, you get one chance to get your finances right before the papers are signed. Even though your divorce attorney is working for you, they don’t have the best answers about your money, so you need additional expertise on your side. Why you want to look for a Certified Divorce Financial Analyst to help you through the divorce, rather than just a Certified Financial Planner. Examples of assets that are commonly forgotten in a divorce and how they are valued. One consideration of home value in a divorce that is often overlooked and could be very costly. You want to be prepared for changes in the real estate market! Even if you pay the bills in your relationship, you may not have a complete picture of your financial assets. There could be 401K’s, IRA’s, Health Savings accounts or other assets you have no idea exist. Things you need to be aware of when considering the cost of staying in your home for the sake of your children. You don’t want to miscalculate and end up squandering your retirement nest egg just to stay afloat. Kids can always get a loan for college, but you can’t get a loan for retirement. Don’t sacrifice your retirement for your child’s college education if you can’t afford to! Documenting post-divorce expenses before you sign off on the divorce papers, it almost always helps the situation.   Resources: Melanie’s Website - www.divorce-financial-solutions.com Second Saturday Divorce Seminars - austindivorceworkshops.com or secondsaturday.com

Anne Miller one of America's foremost experts in building better communications Bill Thomas, an expert on Health Savings Accounts and all things dealing with healthcare benefits