Podcasts about HSA

This episode brought to you by Abound Wealth. Take the relationship to the next level and become a client: https://moneyguy.com/become-a-client/ At 27 years old, Melissa has already built a $61,000 net worth on a $65,000 salary—proving you don't need a six-figure income to build wealth. Brian and Bo break down her investing strategy, Roth IRA contributions, 401(k), HSA, emergency fund, car loan, and savings rate while showing how small financial decisions compound into long-term financial independence. They also discuss the Financial Order of Operations (FOO), whether to prioritize investing or paying off debt, and how someone earning a moderate income can still become a millionaire through consistent investing and smart money habits. If you're building wealth in your 20s or 30s, this episode offers practical personal finance lessons you can apply today. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

It's Friday Q&A—with a small experiment. Don slips one AI-generated voice among the listener questions and challenges you to identify the robot, with his complete two-book library hanging in the balance.The financial questions are thoroughly human: where to keep a future car fund, whether an $11,000 Roth-conversion program earns its fee, when children can fund Roth IRAs, and what happens when bond holdings move from a traditional IRA into a Roth.Don also tackles the enviable problem of an oversized HSA, its inheritance rules and post-65 flexibility, plus the timing tradeoff for Social Security survivor benefits.0:46 — Friday Q&A and the find-the-robot challenge4:03 — Where should a $70,000 car fund live?7:21 — Is an $11,000 Roth-conversion plan worth it?9:39 — Roth IRAs for children—and newborns11:13 — Bonds that move into a Roth conversion13:54 — The $500,000 HSA problem16:43 — When a surviving spouse should claim Social SecurityQuestions? Comments? Click!

Dr. Karen Litzy sits down with Jennifer Burnham Grubbs, founder of Ionava, to unpack why traditional health insurance often penalizes healthy people instead of rewarding them. Jennifer draws on 21 years in the insurance industry to explain what she saw, why she built a new financial category, and how Ionava is designed to reward health-conscious behavior with greater flexibility and less friction. We discuss why healthy people often get poor value from insurance, how Ionava differs from HSAs, FSAs, and health sharing ministries, and how its wallet-based model is meant to make health financial preparedness more practical.   Key topics   Jennifer explains why she built Ionava after two decades as an insurance broker and consultant, including seeing denied coverage, surprise billing, and confusing utilization patterns firsthand. The episode explores the idea that healthy people often subsidize the system without getting a meaningful return, even when they follow preventive care recommendations. Karen and Jennifer compare traditional insurance with a "good driver discount" model, highlighting how insurance rarely rewards healthier behavior. Jennifer explains why Ionava is not health insurance or an HSA, but a new financial category built around health, financial preparedness, and wellness spending. The conversation covers how Ionava's wallet works, including how users can spend on qualifying health and wellness expenses, from gym memberships to supplements and cosmetic wellness categories. Jennifer contrasts Ionava with HSAs and FSAs, emphasizing that Ionava is funded through the subscription and is designed to roll over rather than expire. They also discuss health sharing ministries and why Ionava was built to be secular and broadly accessible rather than tied to religious attestation. Jennifer explains the health score quiz, how it helps price vaults, and why Ionava currently starts with the healthiest applicants to maintain actuarial discipline. The episode dives into pre-existing conditions, how current health status affects eligibility, and why some people may be asked to wait as the pool expands. Karen and Jennifer unpack how Ionava avoids the network and contracted-rate limitations that shape traditional insurance, including why cash-based purchasing offers more flexibility across states and even internationally.   Timestamps   00:00 - Why healthy people feel punished by the insurance system 01:13 - Jennifer's 21 years inside insurance and what she saw 02:40 - Denials, surprise bills, and the pain points that shaped Ionava 03:30 - Why there is no "good driver discount" for health 05:01 - Why most people never get their money's worth from insurance 06:18 - Preventive care that still triggers hidden costs 07:16 - The problem with opaque medical pricing 08:38 - Why innovation often falls outside traditional coverage 09:27 - Why Jennifer first tried to fix insurance from the inside 11:43 - The limits of claims help and out-of-network gaps 13:42 - Why the private sector had to build a new answer 14:15 - What "health financial preparedness" means 15:39 - Health as physical, mental, and financial readiness 16:41 - Why people still buy insurance even when they hate it 17:12 - Ionava as an alternative or layered financial strategy 18:28 - How Ionava differs from HSAs 20:20 - Why Ionava is more like a funded debit wallet 21:46 - What counts as a qualified spend 22:10 - Why FSAs can feel like a use-it-or-lose-it trap 23:34 - Why Ionava rolls over and rewards healthy behavior 24:17 - How Ionava differs from health sharing ministries 26:36 - Why the health score exists 27:34 - How vault pricing works and why rates are locked for life 29:01 - Optional biometrics and earning more on your wallet balance 30:29 - How Ionava thinks about pre-existing conditions 31:57 - Why some applicants may be asked to come back later 33:11 - Beauty, fitness, and wellness spending inside the wallet 34:37 - The support system for new users 36:15 - Why Ionava is different from reimbursement-based models 37:37 - How insurance networks and contracted rates really work 41:04 - Why Ionava uses cash pricing worldwide 42:39 - Jennifer's weekly wellness spend: supplements 43:18 - The biggest myth healthy people believe about insurance 43:47 - Why she wants HSAs to fund Ionava vaults 44:18 - Books that shaped her thinking: The Go Giver and Give and Take 46:10 - Gardening, herbs, and staying grounded while building a company 47:18 - Where to learn more about Ionava and reserve a vault   More About Jennifer:   Jennifer (Azar) Burnham-Grubbs, is the Founder and CEO of Quantum Insurance Services and the Founder of ionava. She's spent 21 years inside the insurance industry as a fiduciary broker, managing over $100 million in insurance products for clients ranging from professional athletes and C-suite executives to everyday families. She's also the co-founder of Womxn of Wealth, a nonprofit dedicated to building women's financial acumen. After more than two decades inside the system, she launched ionava — a new financial category built for the healthy consumers the insurance system overcharges and underserves. She's a Princeton grad, based in Los Angeles   Resources from this Episode: Ionava Website Jennifer on LinkedIn The Go Giver (book)   Jane Sponsorship Information: Book a one-on-one demo here Front Desk @ Jane Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify Stitcher iHeart Radio

In this Tax Tuesday replay, Anderson Business Advisors' Barley Bowler, CPA, and Eliot Thomas, Esq. answer real-world tax questions on Roth IRA conversions, investing in real estate with retirement accounts, and depreciation after a 1031 exchange. How can you estimate the tax impact of a Roth IRA conversion before filing your 2026 tax return? Is buying real estate through an HSA, traditional IRA, or Roth IRA a smart investment strategy—and what tax rules, advantages, and potential pitfalls should you understand before moving forward? Plus, how is depreciation calculated after a §1031 exchange when you sell a rental property and acquire a replacement property? Barley and Eliot break down these questions and explain the tax considerations investors and business owners should keep in mind when planning their next move.   Would you like to learn more about passing down your estate? Schedule a free consultation here: https://aba.link/b51702  Register for the next Tax Tuesday webinar to get your questions answered Live: https://aba.link/9e733b  Register for an upcoming workshop today if you want to protect your business and personal assets from snoopy lawyers and creditors. Save Your Seat: https://aba.link/7c2c4d    Show Notes: 0:00 Intro 9:05 When I convert a Roth IRA this year how do I determine the accurate tax impact from the conversion amount before filing the 2026 tax return? 20:18 Is it a good idea to buy real estate using your HSA, IRA, or Roth IRA accounts? What are some pros and cons and how should I proceed? 35:51 How is depreciation calculated going forward after a §1031 exchange following the sale of a rental property and purchase of a new one? 43:41 I am planning to use a HELOC from my personal residence and use the funds for my trading activity. Can I deduct the interest as investment interest under Form 4952 if I loan the money to my LLC, and what counts as "net investment income"? 1:04:05 I will have a tax loss carryforward if I elect to use Section 475(f) mark-to-market accounting method. What types of income can I offset? 1:08:51 I currently have a Living Trust that ABA set up in Wyoming, as well as an LLC. I put all my cryptocurrencies into the LLC. Is this the best way to mitigate my taxes? I paid about $2.00 per share and the value is growing substantially. What other options might be better than the LLC? 1:12:42 Is there a way to organize and structure an entity to trade a taxable account and be able to defer taxes until a cash withdrawal?

Health Savings Accounts are known for their powerful triple tax advantage. But an HSA is not the right choice for every business owner. In this episode, Tiffany explains five situations where an HSA could cost you more than it saves. You'll learn how high deductibles, regular medical bills, account fees, strict withdrawal rules, and unpredictable costs can weaken the benefits. You'll also discover when an HSA can support your tax strategies and long-term wealth planning. The best financial tool is one that fits your health needs, cash flow, and future goals. Before choosing an HSA for the tax savings, make sure you understand the full cost. Next Steps:

1044. Are rising healthcare costs ruining your budget? Laura answers a listener's question about how to maximize every tax advantage available for healthcare costs. You'll learn the rules for deducting them on your tax return or paying them with tax-advantaged savings accounts like HSAs and FSAs. We'll cover which expenses are tax-free and simple strategies to optimize your healthcare spending.Key Takeaways:You can only claim the medical tax deduction if you itemize deductions on Schedule A instead of claiming the standard deduction on your tax return.You can only deduct unreimbursed healthcare expenses that exceed 7.5% of your adjusted gross income (AGI), making the medical deduction best for years with high medical bills.Tax-advantaged medical savings accounts are powerful because they allow you to save 20% to 35% on qualified costs without claiming a medical deduction.Health savings account (HSA) balances roll over forever, can be invested for tax-free growth, and can be withdrawn penalty-free for non-medical expenses after age 65 (subject to ordinary income tax).Flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs) are employer-sponsored perks for cutting healthcare costs.You cannot claim an itemized medical deduction on Schedule A for any healthcare expense paid for or reimbursed using pre-tax funds from an HSA, FSA, or HRA.Lawmakers have expanded HSA, FSA, and HRA qualified expenses to cover various over-the-counter (OTC) medications and products.Discover more from Money Girl!FacebookNewsletterTranscripts available at QuickandDirtyTips.com.Email: Laura@LauraDAdams.com or leave a voicemail: (302) 364-0308. Hosted on Acast. See acast.com/privacy for more information.

Kelley Slaught discusses essential retirement planning strategies, including managing longevity risk, healthcare costs, tax planning, and early retirement considerations. This episode provides practical advice for building a secure and flexible retirement plan. 800-810-8060 California Wealth AdvisorsSee omnystudio.com/listener for privacy information.

In today's episode, I sit down with Kashif Khan, founder of The DNA Company and author of The DNA Way, to explore how understanding your genetics can completely change the way you approach your health. Kashif breaks down DNA in a way that actually feels actionable, showing us why the same diet, workout, supplement, or wellness protocol can create completely different outcomes from one person to the next. → The DNA Company | Use code BeWell to get $50 off the DNA test kit  Topics Discussed: → How do your genes affect your health? → Can DNA determine your ideal diet? → How do genetics affect hormones? → Can your genes influence stress and sleep? → Should you test your DNA for health? → Leave Us A Voice Message!  Sponsored By:  → Timeline | Timeline's clinically proven formula is now available at a new, lower price. Mitopure now starts at $79, when you subscribe at https://timeline.com/KELLY → Be Well By Kelly Protein Powder & Essentials | Get $10 off your order with PODCAST10 at https://bewellbykelly.com. → Higher Dose | Head to https://Truemed.com/higherdose to explore their infrared sauna blankets, red light devices, and more and use code BEWELL for 15% off. Plus, qualified customers may be able to use HSA or FSA funds through Truemed to save on their purchase. → LMNT | Get a free 8-count Sample Pack of LMNT's most popular drink mix flavors with any purchase at https://drinklmnt.com/Kelly. Find your favorite LMNT flavor, or share with a friend. → Kosterina | You can shop all my favorites at https://www.kosterina.com/bewell and use code KELLY for 15% off your first order. Timestamps:  → 00:00:00 - Introduction → 00:01:47 - How Do I Take Control? → 00:03:00 - Don't Do Cardiovascular Exercises… → 00:08:29 - How Getting Sick Changed His Life → 00:15:38 - What Is DNA? → 00:19:40 - SNPs, Gene Variants + Missing Genes → 00:29:05 - Dopamine, Stress + Burnout Genetics → 00:34:00 - What Is Your Genetic Superpower? → 00:40:00 - Removing The Toxic Load → 00:45:23 - Why Testing Your Kids' DNA Could Be Helpful → 00:48:55 - ADHD + Genetics in Children → 00:53:40 - PTSD + Trauma Through Genetics → 01:03:08 - Why Kashif Created Signal Health → 01:06:09 - Health Care vs Sick Care → 01:10:26 - Achieving Longevity With Good Health Further Listening:  → Alzheimer's Starts Decades Before Symptoms…Here's Why | David Perlmutter Check Out Kashif: → The DNA Company | Use code BeWell to get $50 off the DNA test kit  → Instagram → YouTube → Facebook Check Out Kelly: → Instagram → Sweet Deal (Book) → Youtube → Facebook

Stewardship isn't a one-time decision. It's an ongoing way of life—a cycle that begins with gratitude, moves through faithful growth, and leads to generosity. Tim Tassopoulos, Former President and Chief Operating Officer of Chick-fil-A, has seen that cycle at work throughout his life and career. During his decades with the company, he helped shape a culture known not only for operational excellence but also for servant leadership, hospitality, and investing in people. For Tassopoulos, faithful stewardship starts with a foundational truth: God owns it all. That includes our finances, but it extends much further. Our abilities, relationships, opportunities, time, experiences, and even the challenges we encounter are all things God has entrusted to us. Stewardship is the process of receiving those gifts gratefully, developing them faithfully, and ultimately using them for the good of others and the glory of God. Stewardship Begins With Gratitude The first step in the cycle is gratitude. Before we can faithfully manage what God has given us, we must recognize that it came from Him in the first place. Gratitude shifts our perspective from ownership to stewardship. That contrast is clear in Jesus' parable of the rich fool in Luke 12. The man repeatedly speaks of “my crops,” “my barns,” and “my grain.” His mistake wasn't simply having an abundant harvest. He had forgotten the One from whom his abundance came. The parable of the talents in Matthew 25:14–30 offers another picture. The first two servants received different amounts, yet both faithfully put what they had been entrusted with to work. Their focus wasn't on comparing what they received but on faithfully managing it. Gratitude allows us to do the same. And it requires intentionality. Tassopoulos encourages making gratitude part of the daily rhythm of life through prayer, Scripture, and consciously recognizing God's provision. That gratitude doesn't have to be limited to the things we naturally consider blessings. We can thank God for relationships, resources, and good health, but also recognize that challenges and opportunities can become gifts He uses to shape us. When we begin with gratitude, we are better prepared to steward whatever God places in our hands. Growth Requires Humility Gratitude naturally leads to the next stage of stewardship: growth. If God has entrusted us with abilities, relationships, opportunities, knowledge, or financial resources, faithful stewardship asks how we can develop those gifts—not merely for our own benefit, but so they can increasingly serve others. That requires becoming a lifelong learner. Tassopoulos puts it simply: without humility, there is no growth. Learning begins by acknowledging that we don't know everything. We need the wisdom, experience, correction, and perspective of others. That may come through books, mentors, colleagues, Scripture, or simply reflecting carefully on our own experiences. The more we learn, the more we may be able to contribute. For Tassopoulos, one practical expression of that commitment was something he called a library day. Throughout his career at Chick-fil-A, he intentionally reserved one day each month to leave the office and work from a public library. Away from the distractions of the corporate support center—and with less opportunity to constantly check his phone—he could study, evaluate his schedule, reflect on recent experiences, and look ahead to the next 90 days. Those days became opportunities for restoration, reflection, and refocusing. When Tassopoulos became president of Chick-fil-A and knew the demands on his time would increase considerably, he made what might seem like a counterintuitive decision: he added a second library day each month. Greater responsibility meant he needed more time to think, not less. There is a lesson there for all of us. Growth rarely happens accidentally. Whether we are developing our finances, our professional abilities, our relationships, or our spiritual lives, we need margin to learn, reflect, and make wise decisions. Generosity Is About More Than Money Growth, however, isn't the destination. The purpose of developing what God has entrusted to us is not simply to accumulate more. Growth creates greater opportunities to serve. That leads to generosity.  Financial giving is certainly part of generosity, but biblical generosity is much larger. We can be generous with our time, our attention, our knowledge, our relationships, our encouragement, and our willingness to invest in other people. Tassopoulos saw that modeled repeatedly by Chick-fil-A founder Truett Cathy and the Cathy family. Their generosity has included financial giving, but also mentoring future leaders, investing in employees and communities, and creating organizations designed to serve others. That reflects Chick-fil-A's corporate purpose, developed during a difficult period for the company in the early 1980s: “To glorify God by being a faithful steward of all that is entrusted to us and to have a positive influence on all who come in contact with Chick-fil-A.” Notably, that purpose says nothing about restaurant growth, revenue, or the number of chicken sandwiches sold. It centers on glorifying God, practicing faithful stewardship, and influencing people for good. Business success became something to steward rather than the ultimate goal. Truett Cathy's 10-10-10 Principle Truett Cathy also communicated stewardship through a simple financial principle Tassopoulos remembers well: Give 10%, save 10%, and work 10% harder. The order mattered. Giving came first, reinforcing that generosity should be intentional rather than something we practice only when there happens to be money left over. Saving acknowledged the importance of preparing wisely for both present needs and the future. And working harder reflected Cathy's continual challenge to give your best effort. That philosophy was connected to another biblical principle that shaped Cathy's life. Proverbs 22:1 says: “A good name is to be chosen rather than great riches, and favor is better than silver or gold.” Reputation, integrity, and faithfulness mattered more than financial success. That same mindset can also be seen in Chick-fil-A's emphasis on “second-mile service,” drawn from Jesus' words in Matthew 5:41: “And if anyone forces you to go one mile, go with him two miles.” Going beyond what is required is another expression of generosity. Generosity Brings Us Back to Gratitude This is why stewardship is best understood as a cycle rather than a checklist. We receive what God provides with gratitude. We faithfully grow and develop what He has entrusted to us. Then we generously share the fruit of that growth with others. And when we experience the privilege of giving, serving, mentoring, encouraging, or investing in someone else, we have another reason to be grateful. Then, the cycle begins again. That perspective changes the way we think about money and everything else God places in our hands. The question is no longer simply, “How much can I accumulate?” Instead, we begin asking, “How faithfully can I manage what God has entrusted to me?” Stewardship begins with gratitude, grows through faithful action, and comes full circle in generosity. And as we continue that cycle throughout our lives, the resources God provides become opportunities to glorify Him and bless the people around us. On Today's Program, Rob Answers Listener Questions: I'm turning 65 but plan to keep working and stay on my employer's HSA-eligible health plan. Can I delay Medicare enrollment and continue contributing to my HSA, or do I need to enroll at 65? I need significant home repairs, may have water damage or mold, and also have about $8,000 in credit card debt. I don't want to refinance because my mortgage rate is 3%. Would a HELOC be a reasonable way to cover the repairs and debt, or should I consider another option? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn how to save for a home, pursue FIRE, and quiet money anxiety when every goal feels urgent at once. What does it really take to balance saving for a first home, building toward early retirement, and spending without guilt — when every goal feels like it needs to come first? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola sit down with listener Hana from Portland, a super-saver putting away over $4,000 a month who still worries she's falling short. They dig into how much she actually needs for a down payment and closing costs, what makes a home a money pit rather than a sound investment, how to prioritize competing goals like the HSA, 401(k), Roth IRA, and house fund, and what it really takes to hit FIRE in 15–20 years — plus the money anxiety that makes even high savers second-guess every dollar they spend on fun. See how far your homebuying budget could take you with NerdWallet's free home affordability calculator: https://www.nerdwallet.com/mortgages/calculators/how-much-house-can-i-afford  Buying a home? Estimate the closing costs for a house of any value with this calculator: https://www.nerdwallet.com/mortgages/calculators/closing-costs  Mortgage Closing Costs: How Much You'll Pay https://www.nerdwallet.com/mortgages/learn/closing-costs-mortgage-fees-explained  First-Time Home Buyer Loans and Programs: A Beginner's Guide https://www.nerdwallet.com/mortgages/learn/programs-help-first-time-homebuyers  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Direct Primary Care no longer disqualifies patients from HSA eligibility. As of January 1, 2026, DPC membership fees are a qualified HSA expense at or below $150 per month for one person and $300 for a family. Above $150 you are not in violation. You are in the same gray zone DPC lived in for a decade, and the tax position belongs to the patient and their accountant, not to you.Dr. Phil Eskew (DO, JD, MBA) of DPC Frontier joins Dr. Maryal Concepcion to break down what changed and what it means for your practice, then walks through the Medicare opt-out calendar most physicians discover too late.KEY NUMBERS AND DATES $150/month per person, $300 family. Effective January 1, 2026. Opt-outs take effect only on January 1, April 1, July 1, October 1. Affidavit must be filed at least 30 days before the effective date. File by roughly December 1, 2026 to be opted out January 1, 2027. 90-day reversal window, but you must refund every membership dollar collected.QUESTIONS ANSWEREDCan patients use an HSA to pay for direct primary care? Yes, as of January 2026. Both old IRS objections were fixed: whether the fee is a medical expense, and whether membership disqualifies HSA contributions.Should I put "HSA eligible" on my website? No. Write "We accept HSA cards." Promising eligibility in your marketing or agreement takes on a tax position on your patient's behalf.How do I get under $150 without losing revenue? Enrollment fees are not compensation for care. Blood draws, injections, EKGs, and dispensed medications can price separately.What does the rule exclude? Prescription drugs other than vaccines, and lab services not typically done in an ambulatory primary care setting.If I opt out, can I still order labs and referrals? Yes. Opting out is not disenrollment. You stay credentialed and Medicare pays for labs, imaging, referrals, DME, and prescriptions you order.Where can I still work while opted out? VA, Indian Health Service, corrections, and hospice administrative work. Precepting usually requires participation. TRICARE requires Medicare participation. Medicaid uses ORP/OPR status, prohibited in Kentucky and Colorado.Does opt-out apply to Medicare Advantage? Yes. Opt-out applies to all Medicare programs nationwide. You cannot opt out selectively.MENTIONED DPC Frontier · McCarran-Ferguson Act (1945) · ACA primary care carve-out · bronze and catastrophic plans as HSA-compatible · capacity vs. competency · durable power of attorney · prior authorization escalation strategyHAVE A QUESTION? WE ANSWER THEM ON AIR. Leave a voicemail at mydpcstory.com/contact with your name, state, and question.NEXT EPISODE: ILLINOIS, timed to the Illinois DPC Summit, October 2 and 3, NIU Naperville. Subscribe to the My DPC Story newsletter at mydpcstory.com to know when it drops.Educational only. Not legal or tax advice. Dr. Eskew is not your attorney.Stand With Dr. Nyasha Spears and the Future of Patient-Centered Healthcare. Get the MEDICARE & MEDICARE ADVANTAGE OPEN ENROLLMENT SURVIVAL GUIDE at mydpcstory.com/shop! Get your copy of the Physician Owner's Planner today at mydpcstory.com/library Start using the done-for-you patient emails, scripts etc. in our 2027 Edition of the MEDICARE & MEDICARE ADVANTAGE OPEN ENROLLMENT SURVIVAL GUIDE at mydpcstory.com/shop!Support the showGET your FREE MONTHLY BUSINESS TOOL DOWNLOADBecome A My DPC Story PATREON MEMBER! SPONSOR THE PODMy DPC Story VOICEMAIL! DPC SWAG!FACEBOOK * INSTAGRAM * LinkedIn * TWITTER * TIKTOK * YouTube

Are you spending your time, energy, and attention on financial optimizations that barely move the needle? In this episode, Dr. Jim Dahle and Tyler Scott, President of Planning at White Coat Planning, work through a series of real listener questions, from Trump account contribution rules and gift tax exclusions to HSA family contribution limits and 457 plan quirks, and use each one to illustrate a bigger point. Some financial moves genuinely change your outcome. Others feel productive but barely register. They walk through examples of both. A listener trying to squeeze out a few extra months of tax-free growth by pre-funding a solo 401(k) contribution gets a gentle but clear answer: the impact is measured in hours, not years. Meanwhile, using a mega backdoor Roth option in that same account, or choosing tax-efficient accounts for early retirement withdrawals, can genuinely shift a retirement date by months or years. Tyler also introduces his framework of the four currencies of life, money, time, energy, and attention, and how understanding which one you're actually spending helps clarify which optimizations are worth pursuing. The takeaway is not that details do not matter. It is that knowing which details matter is the real skill. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor Podcast launched in January 2017, and since then, millions have downloaded it. Join your fellow physicians and other high income professionals and subscribe today! Host, Dr. Jim Dahle, is a practicing emergency physician and founder of The White Coat Investor blog. Like the blog, The White Coat Investor Podcast is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor-or at least know enough to not get ripped off by a financial advisor. We tackle the hard topics like the best ways to pay off student loans, how to create your own personal financial plan, retirement planning, how to save money, investing in real estate, side hustles, and how everyone can be a millionaire by living WCI principles. Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  TikTok: https://www.tiktok.com/@thewhitecoatinvestor  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

If you're paying for medical expenses with taxed income, you're leaving money on the table. In this episode, I break down what an HSA (Health Savings Account) is, how it works, who qualifies for one, and why my family uses one for everything medical, dental, vision, prescriptions, even chiropractor visits. In 2026, a family can put $8,750 into an HSA completely pre-tax. The funds roll over every year, you can invest them once they grow, and in retirement you can pull from it as income. I also walk you through how to set up an account, how to check if your health insurance plan qualifies, and the strategy my family uses to build it up so we always have two years of max out-of-pocket covered. If you need help finding an HSA-eligible health insurance plan, call My Life Financial at 435-557-3170.HealthEquity: https://healthequity.com/learn/hsa

There are two ways to get saving for your children wrong. You can undersave and leave your kids with student loans. You can oversave and hand a nineteen year old a pile of money with no strings attached. Physician families tend to worry about the first one and end up closer to the second. In our new episode, we discuss which accounts help keep you out of both ditches! We also answer your colleagues' questions A Surgeon in Arizona says, “My portfolio has drifted way off from where I set it a few years ago because stocks ran up so much. Do I actually need to rebalance, and if so, how do I do it without triggering a big tax bill?” A Hospitalist in Texas asks, “I've got a 401(k), a Roth IRA, an HSA, and a taxable brokerage account, and I have no idea what's supposed to go where. Does it matter which investments live in which account, or can I just buy the same thing across all of them?” A Gastro doc in Michigan writes, “Every time the market drops, I get the urge to sell and wait until things calm down. Is there ever a good reason for a long-term investor to move to cash, or is that always a mistake?” Are you ready to turn worries about taxes and investing into a plan for college and retirement? If you're evaluating your options and want to learn more, visit physicianfamily.com and click 'Get Started' or you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

No verdict yet in the murder trial of Devon Emmanuel Wright Jr. The latest education stats from local schools, plus the HSA gets a valuable donation.

Is a Health Savings Account Right for You? Episode 395 – A Health Savings Account, or HSA, is one of very few financial vehicles considered “triple tax advantaged.” You can get a deduction going in, the money grows tax-free, and the money also comes out tax-free. But they're not for everybody as there are some major caveats. More SML Planning Minute Podcast Episodes Transcript of Podcast Episode 395 Hello, this is Bill Rainaldi, with another edition of Security Mutual's SML Planning Minute. In today's episode: is a Health Savings Account right for you? What would you say if someone told you about an investment vehicle where you get a tax deduction going in, the money in the account grows tax-free, and the withdrawals are tax-free when they come out? Such a product exists, but it's not quite that simple. An Individual Retirement Account or IRA doesn't work that way. You get a deduction going in, but you pay income tax when you take the money out. A Roth IRA lets you take the money out tax-free (with certain qualifications), but you don't get a deduction when you put the money in. A Health Savings Account, or HSA, is one of very few financial vehicles considered “triple tax advantaged.”[1] You can get a deduction on monies going in, the money grows tax-free, and the money also comes out tax-free. But there are some major caveats to understand. HSAs don't work for everyone. Only certain people can contribute, and when you take the money out, there are some conditions that need to be met if you want to take full advantage of the tax incentives. Here's how an HSA works. To contribute, you need to be part of what the Internal Revenue Service or IRS calls a “High-Deductible Health Plan.” The IRS defines a high-deductible health plan as one that requires an annual deductible. A deductible is the amount one must pay out-of-pocket for healthcare before health insurance coverage will share in the costs. In 2026, the minimum deductibles for a high deductible HSA health plan are set at $1,700 for coverage on yourself only, and $3,400 if the coverage includes your family.[2] Also, the out-of-pocket maximum cannot be higher than $8,500 for self-only coverage and $17,000 for family coverage. There are more rules. To contribute to an HSA, you can't be enrolled in another plan that is not considered HSA-eligible, nor can you be someone claimed as a dependent on someone else’s tax return. If you're not sure whether your plan qualifies, you will need to ask either the benefits administrator where you work or the plan provider. And for the record, Medicare does not count as a high-deductible medical plan. So, you can't participate in an HSA if you're covered by Medicare. As with almost any tax-advantaged investment vehicle, there are contribution limits. For 2026, you can contribute up to $4,400 for yourself, or $8,750 if your high-deductible plan covers your family.[3] And much like a 401(k), your employer can match your HSA contribution. In fact, in 2024 approximately 84 percent of employees covered by a qualified HSA health plan also received a contribution from their employers.[4] Note that the limits above are overall limits that include both the employee and, if applicable, employer contributions. Then there's the issue of distributions from the account. Distributions can be tax-free, but with some significant restrictions. To be tax-free, the distributions must be used for what the IRS calls “qualified medical expenses.” And what are qualified medical expenses? These might include hospital care, ambulance services, hearing aids, lab fees, dental and vision care, and other things. You can even use an HSA for health-care-related travel, massage therapy and substance abuse treatment.[5] [6] An HSA can be used for expenses both big and small. If your distribution doesn't meet the qualifications, any withdrawals after age 65 are considered fully taxable, like a traditional IRA or 401(k). Before age 65 there is also a 20 percent early withdrawal penalty. This means that, if necessary, you could treat an HSA as a secondary retirement plan. But of course, if you have qualified medical expenses that need to be paid, the taxation incentive would make them a better option. When it comes time to withdraw money as needed, you can either pay the provider directly from the HSA account (many providers offer the use of a debit card tied to the account) or pay the provider yourself and get reimbursed from the account.[7] Note that an HSA is different from a Flexible Spending Account or FSA. An FSA is another, albeit generally less popular, type of account designed to help with medical expenses. The employer generally owns an FSA, whereas the employee owns an HSA. But an FSA is also, in most cases, a “use it or lose it” type of account. At the end of the year (plus an optional grace period), you lose any money that's left over in your FSA.[8] Also note that in most circumstances, you can have a general-purpose FSA or HSA, but not both.[9] An HSA has no such restriction when it comes to how long it takes to use it. If you don't spend the money, it rolls over within the account. It belongs to you forever, even if you switch jobs. Of course, these sums, invested over several decades, can amount to a significant amount of money by the time you use them. Compounding plays a role here just like most other investment vehicles, only this time it may all be potentially tax-free. One final thought about HSAs. As we've mentioned before, the cost of health care for seniors can be staggering. According to Fidelity, a 65-year-old individual may need an after-tax total of $172,500 to cover the cost of health care expenses in retirement.[10] In the right circumstances, an HSA can be a tax-efficient way to fund some of those costs. [1] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). [2] Fidelity Learn. “HSA contribution limits and eligibility rules for 2026 and 2027.” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits (accessed July 23, 2026). [3] Id. [4] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). [5] MetLife. “What Can I Use My HSA for in 2026?” MetLife.com. https://www.metlife.com/stories/benefits/hsa-qualified-expenses/ (accessed July 23, 2026). [6] Miller, Kathryn. “What clients miss about HSAs — and how advisors can help.” Financial-Planning.com. https://www.financial-planning.com/news/what-clients-miss-about-hsas-and-how-advisors-can-help (accessed July 23, 2026). [7] Fidelity Learn. “Spending with your HSA.” Fidelity.com. https://www.fidelity.com/go/hsa/how-to-spend (accessed July 23, 2026). [8] Healthcare.gov. “Using a Flexible Spending Account (FSA).” Healthcare.gov. https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/ (accessed July 23, 2026). [9] Fidelity Learn. “HSA contribution limits and eligibility rules for 2026 and 2027.” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/hsa-contribution-limits (accessed July 23, 2026). [10] Fidelity Learn. “What is an HSA, and how does it work?” Fidelity.com. https://www.fidelity.com/learning-center/smart-money/what-is-an-hsa (accessed July 23, 2026). More SML Planning Minute Podcast Episodes This podcast is brought to you by Security Mutual Life Insurance Company of New York, The Company That Cares®. The content provided is intended for educational and informational purposes only. Information is provided in good faith. However, the Company makes no representation or warranty of any kind regarding the accuracy, reliability, or completeness of the information. The information presented is designed to provide general information regarding the subject matter covered. It is not to serve as legal, tax or other financial advice related to individual situations, because each individual's legal, tax and financial situation is different. Specific advice needs to be tailored to your situation. Therefore, please consult with your own attorney, tax professional and/or other advisors regarding your specific situation. To help reach your goals, you need a skilled professional by your side. Contact your local Security Mutual life insurance advisor today. As part of the planning process, he or she will coordinate with your other advisors as needed to help you achieve your financial goals and objectives. For more information, visit us at SMLNY.com/SMLPodcast. If you've enjoyed this podcast, tell your friends about it. And be sure to give us a five-star review. And check us out on LinkedIn, YouTube and Twitter. Thanks for listening, and we'll talk to you next time. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. Neither Security Mutual nor its agents are permitted to provide tax or legal advice. The applicability of any strategy discussed is dependent upon the particular facts and circumstances. Results may vary, and products and services discussed may not be appropriate for all situations. Each person's needs, objectives and financial circumstances are different, and must be reviewed and analyzed independently. We encourage individuals to seek personalized advice from a qualified Security Mutual life insurance advisor regarding their personal needs, objectives, and financial circumstances. Insurance products are issued by Security Mutual Life Insurance Company of New York, Binghamton, New York. Product availability and features may vary by state.​ SubscribeApple PodcastsSpotifyAndroidPandoraby EmailTuneInDeezerRSSMore Subscribe Options

We're back! Doctor Mark and Larry take you through another informative episode of Healthcare Now! Larry's had a personal run-in with the business end of medicine and it's a great reminder for all of us! We introduce "Larry and Doctor Mark's Must-Nows!" as we look at what's needed! What role can an HSA play in your life when you get hit with an emergency room bill? And what's the importance of getting up off the ground?See omnystudio.com/listener for privacy information.

We're back! Doctor Mark and Larry take you through another informative episode of Healthcare Now! Larry's had a personal run-in with the business end of medicine and it's a great reminder for all of us! We introduce "Larry and Doctor Mark's Must-Nows!" as we look at what's needed! What role can an HSA play in your life when you get hit with an emergency room bill? And what's the importance of getting up off the ground?See omnystudio.com/listener for privacy information.

In this podcast episode, Trent and Matt interview Cody Rich, founder of Bridger Watch, about why he built a hunting-focused smartwatch and how it evolved from wanting usable offline maps and hunting features on a watch. Rich shares his background from Perrydale, Oregon, moving to Montana, early work in Marine Corps training using Hollywood-style special effects, then entrepreneurship through Powder River Cartridge and learning marketing/SEO before starting The Rich Outdoors podcast and building Backcountry Fuel Box. Seeking a larger legacy business, he pursued a Garmin-adjacent niche, raised money, and assembled teams including former Fossil talent and connections to Google leadership and a CTO with Garmin dog-collar experience, ultimately building custom hardware and a new operating system. He describes key features: offline topo maps with panning/zooming, onX waypoint/track/markup syncing, integrated ballistics via Sierra True Data, redshift mode, frequent over-the-air updates, and ongoing battery-life improvements, with purchasing available at bridgerwatch.com, GuideFitter, GovX, and via HSA through TrueMed.

It was supposed to be another beautiful summer afternoon at Bear Lake. Families were out on the water. Kids were playing along the shoreline. Then a scream cut across the lake. Something had gone terribly wrong.A young man paddled toward a boat filled with frantic women—and realized immediately that someone's life was in danger. But what happened next is the part of this story we can't stop thinking about.Two people would arrive with strangely specific skills and supplies needed for this exact emergency. Neither of them had any idea why those skills were about to matter so much. Was it all coincidence? Or had God been quietly preparing them for a moment they couldn't possibly have anticipated?LILIA'S GOFUNDME: https://gofund.me/92d668555THANK YOU FOR SUPPORTING OUR SPONSORS:Bon Charge Order the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted.-----------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed. Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!

The Battle Of Tumbleton Was Epic Chaos! Get your Hume Pod smart scale and save up to 50% off! Use code REELREJECTS to stack on top of Hume's current sale — save up to 50% off your total order. Code valid for 7 days only. https://sponsr.is/HumeHealth_ReelRejects US customers: This purchase is HSA/FSA eligible — meaning if you have an HSA or FSA, your health insurance can cover it for FREE. R.I.P. Helaena Targaryen :( Greg Alba & John Humphrey react to House of the Dragon Season 3 Episode 8 in this House of the Dragon Season 3 Episode 8 full reaction, review, and breakdown of HBO's highly anticipated season finale! As Rhaenyra Targaryen, Daemon Targaryen, Aemond Targaryen, and Aegon II make their final moves, the war for the Iron Throne pushes Westeros and its dragon riders toward a dangerous breaking point. Greg & John discuss the finale's biggest confrontations, dragon action, political maneuvering, emotional performances, ending, and major setup for House of the Dragon Season 4! House of the Dragon Season 3 Episode 8 Full Reaction Watch Along:   / thereelrejects   Based on George R.R. Martin's Fire & Blood and developed by Ryan Condal, House of the Dragon stars Emma D'Arcy as Queen Rhaenyra Targaryen (Wanderlust), Matt Smith as Daemon Targaryen (The Crown), Ewan Mitchell as Aemond Targaryen (The Last Kingdom), Olivia Cooke as Alicent Hightower (Ready Player One), Tom Glynn-Carney as Aegon II Targaryen (Dunkirk), Steve Toussaint as Corlys Velaryon (It's a Sin), and Phia Saban as Helaena Targaryen (The Last Kingdom). Greg & John break down the mounting Rhaenyra, Daemon, and Aemond conflict, Aegon and Sunfyre's bond, the shifting balance between Team Black and Team Green, the escalating Dance of the Dragons, and what the Season 3 ending means heading into Season 4! Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim and Chris discuss listener emails on Social Security spousal benefits, a listener PSA on HSA tax strategies and treasuries, and inherited IRA RMD rules for minor beneficiaries. (9:00) A listener asks about qualifying for spousal benefits after a lengthy separation, since both spouses are now retired but remain legally married. (28:15) The guys share a listener PSA on tax strategies involving harvesting HSA-eligible expenses, including Medicare B and D premiums, as a tax-free funding source, and on laddering treasury bills through Fidelity or Schwab instead of TreasuryDirect. (40:15) George follows up on inherited IRA rules for minor child beneficiaries, asking whether an eligible designated beneficiary can elect the 10-year rule instead of taking the stretch, which requires RMDs. The post Spousal Benefits, HSA Tax Strategies PSA, Inherited IRAs: Q&A #2632 appeared first on The Retirement and IRA Show.

BANANA! THE MINIONS ARE BACK—AND YOUNG GRU IS READY TO BECOME A SUPERVILLAIN! John Humphrey & Roxy Striar continue their Road to Minions & Monsters by watching Minions: The Rise of Gru (2022) for the first time! In this Minions: The Rise of Gru full movie reaction, review, and breakdown, they meet 12-year-old Gru as he attempts to join the notorious Vicious 6 with the help of Kevin, Stuart, Bob, Otto, and the rest of his chaotic yellow crew. John & Roxy react to Gru's villain audition, the Minions learning martial arts, the wild airplane heist, and the movie's biggest animated comedy moments—all spoiler-free right here! Get your Hume Pod smart scale and save up to 50% off! Use code REELREJECTS to stack on top of Hume's current sale — save up to 50% off your total order. Code valid for 7 days only. https://sponsr.is/HumeHealth_ReelRejects US customers: This purchase is HSA/FSA eligible — meaning if you have an HSA or FSA, your health insurance can cover it for FREE. Minions: The Rise of Gru Full Movie Reaction Watch Along:   / thereelrejects   Directed by Kyle Balda, Illumination's Minions: The Rise of Gru stars Steve Carell as Gru (The Office, Despicable Me), Pierre Coffin as Kevin, Stuart, Bob, Otto & the Minions, Alan Arkin as Wild Knuckles (Argo), Taraji P. Henson as Belle Bottom (Hidden Figures), Michelle Yeoh as Master Chow (Everything Everywhere All at Once), Julie Andrews as Marlena Gru (Mary Poppins), and Russell Brand as Young Dr. Nefario (Forgetting Sarah Marshall). John & Roxy discuss the film's vibrant '70s aesthetic, nostalgic soundtrack, colorful animation, the Vicious 6 villains, connections to the broader Despicable Me universe, and how it sets the stage for the future of the franchise! Follow Roxy Striar YouTube:https://www.youtube.com/@TheWhirlGirls Instagram: https://www.instagram.com/roxystriar/?hl=en Twitter:  https://twitter.com/roxystriar Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

Born in a hand-built, off-grid cabin deep in the Montana wilderness, Kelsey grew up without electricity, surrounded by isolation and the constant challenges of life in the wild. When she was just nine years old, she came face-to-face with a massive mountain lion—and believed she was about to die. Until a dog she never wanted ended up being the hero she needed. As Kelsey looks back, she doesn't just remember the hardships—she sees the quiet ways God was guiding and protecting her all along. From unexpected moments of provision to life-changing encounters and remarkable answers to prayer, she began to recognize the miracles that carried her through every season. This unforgettable true story is a powerful reminder that even in life's darkest moments, hope can appear in the most unexpected ways—and sometimes the greatest miracles are the ones we only recognize in hindsight.----------------------- If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed.THANK YOU FOR SUPPORTING OUR SPONSORS: Bon Charge Order the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted.Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!

Discover how to use your HSA and FSA funds to buy home gym equipment with a Letter of Medical Necessity. Learn which conditions qualify, how the process works, and why pre-tax savings could cut your costs by 30 percent.Info: https://www.soletreadmills.com/pages/truemed-shop-with-hsa-fsa-funds SOLE Fitness City: Salt Lake City Address: 56 Exchange Pl. Website: https://www.soletreadmills.com/

Most people treat their HSA like a medical debit card. The ones who retire wealthy treat it like a secret weapon, and the difference could be worth over a million dollars.  In today's conversation, Nic and Randy break down why the HSA is the only truly triple tax-free retirement vehicle in existence, and how to stop leaving that money on the table. ⸻  ⏱️ Episode Timeline & Highlights  [00:19] – Why the HSA is the most misunderstood investment vehicle in retirement planning. [01:18] – Triple tax-free: The one advantage no Roth IRA or 401K can match. [02:22] – 2026 contribution limits: What individuals, families, and those over 55 can contribute. [03:22] – The biggest mistake: Why spending your HSA now could cost you a fortune later. [05:15] – How to invest your HSA funds and maximize long term compounding growth. [09:15] – Qualified expenses beyond doctor visits: Prescriptions, dental, vision, Medicare premiums, and long term care. [13:57] – Withdrawal rules: What happens before and after age 65 for non-medical expenses. [15:22] – HSA and estate planning: How to pass it to your spouse completely tax free. [17:05] – HSA vs FSA: The key differences every employee needs to understand. [21:22] – Five key takeaways: The simple framework for turning your HSA into a retirement powerhouse.  ⸻  Links & Resources Mentioned  • Email: connect@meritfa.com • Website: meritfinancialadvisors.com/about/locations/marietta-ga/  ⸻  Closing Thoughts  If today's episode resonated with you, please like, share, comment, and subscribe, it helps us reach more people who want to keep more of what they've earned.  Have questions about whether an HSA is right for your retirement plan? Reach out at connect@meritfa.com, we'd love to help you make the most of every tax advantage available to you.   Stay coachable!  __________  Disclaimer: Investment advice offered through Merit Financial Group, LLC., an SEC-registered investment adviser.

Work with Paul: Schedule a 30-minute conversation When was the last time you actually read the beneficiary designation on your 401(k) at your previous employer? In May, I sent every family I work with a current readout of their beneficiary designations across every account I track for them. It was the highest-response email I sent all year. For some families, everything was clean. For others, there were gaps we addressed that week. In this episode, I walk through what's actually on those forms, why a beneficiary designation overrides your will, and the technical points that catch busy working families off guard: ERISA spousal consent on 401(k)s, the HSA tax bomb for non-spouse beneficiaries, the SECURE Act 2.0 ten-year rule now in full enforcement, and the difference between per stirpes and per capita. The action this week is simple. Pull up the beneficiary designation on one account, any account, and just read it. If you can't find it, that's the result. Then set a recurring calendar reminder once a year to do the same for every account in the household. Connect with Paul If you're a working parent juggling a senior-level career and a growing family, and you're tired of coordinating four different advisors to manage your finances, I offer complimentary 30-minute conversations. Schedule one here. For resources discussed in this episode, visit tammacapital.com/podcast. Follow Paul on LinkedIn. Resources Featured in This Episode: Why Stories Move Us More Than Numbers Why Quiet Time Is Your Most Valuable Financial Skill Your Biggest Financial Risk Isn't the Market

Pre-order the paperback edition of Millionaire Mission today at moneyguy.com/millionairemission The new Millionaire Mission paperback is finally here—and it's much more than a new cover. Brian has updated the bestselling personal finance book with new wealth-building stories, refreshed investing and retirement account contribution limits, updated case studies, and even more insight into his own financial decisions. Whether you're working toward financial independence, building long-term wealth, investing for retirement, maximizing your 401(k), Roth IRA, or HSA, or simply trying to make smarter money decisions, this updated edition is designed to help. Pre-orders begin July 28 and include exclusive bonuses for Financial Mutants, including access to special merchandise, Brian's Book Club, and exclusive Moneyverse Discord communities. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Healthcare costs have been climbing around 7% a year. Andrew sits down with Doc G (Dr. Jordan Grumet), hospice physician and author of The Healthcare Heist, to break down exactly how a routine ER visit turns into a five-figure bill and where every one of those dollars actually goes.

Looking for smarter ways to manage employee health benefits while controlling costs?In this episode of The H.I.T. Podcast, Toby Kennedy explores emerging healthcare funding strategies, the latest 2027 HSA updates, and innovative benefit trends that employers should have on their radar.From Medical Expense Reimbursement Programs (MERPs) and Individual Coverage Health Reimbursement Arrangements (ICHRAs) to the growing use of GLP-1 reimbursement programs, this episode breaks down practical options for businesses of all sizes.In this episode:How MERPs can reduce health insurance costs while maintaining quality coverageUnderstanding ICHRAs and when they make sense for employersThe newly announced 2027 HSA contribution and deductible limitsWhy some employers are creating GLP-1 reimbursement programsStrategies to balance employee benefits with rising healthcare costsWhether you're an HR professional, business owner, benefits administrator, or insurance advisor, this episode offers valuable insights into the evolving world of employee healthcare benefits.

Adam Bell and Peter Nikolaidis The Blurring The Lines Podcast From mountain-bike crashes and football concussions to artificial intelligence, energy demands, sleep habits, and alcohol-free living, Adam and Peter cover plenty of ground in episode 252. They also discuss knowing when to close an options trade, avoiding unnecessary HSA fees, and making smarter long-term financial decisions.  Melatonin - https://amzn.to/4fjSf51 Jordan Harbinger - https://www.jordanharbinger.com/alcohol-skeptical-sunday/  Hidrate Spark PRO Smart Water Bottle - https://amzn.to/4fUl7Rm Garmin - CIRQA™ Smart Band - https://www.garmin.com/en-US/p/1989182/ LMNT - https://amzn.to/44MEJRi  Youtube - https://youtu.be/hZ4Ze4d3Q_o Learn More About the Hosts: Peter Nikolaidis https://PN72.com https://friendswithbrews.com  Adam Bell Roaming Roan Lavender Farm https://rrlavenderfarm.com 

Five ordinary days. Five moments that should have ended very differently.A mysterious warning before a horrific crash. A man's heart stops. A young couple is pulled into deadly Hawaiian waters with no way out. A four-year-old's devastating cancer diagnosis becomes the beginning of an incredible journey of faith. And doctors tell one family their unborn baby has almost no chance of survival... until something changes that they still can't explain.Are these remarkable coincidences—or something more? Join us as we share five unforgettable true stories submitted by listeners that show God is still working miracles today. -----------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed.THANK YOU FOR SUPPORTING OUR SPONSORS: Bon Charge Order the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted. Website: www.themiraclefiles.com Podcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488 Instagram: https://www.instagram.com/the_miracle_files_podcast Facebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4d TikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!

Bill and Andy Bush open with the one regret they've never heard from a retiree: "I saved too much." Drawing on conversations with plan participants, they explore the regrets people do voice — wishing they'd started earlier, stayed invested, or captured more of the company match — and why those missed opportunities can't be recovered once a contribution year lapses. The brothers make the case for balance, weighing Bill Perkins' "Die with Zero" philosophy of enjoying the here-and-now against the risk of shortchanging your future self. Along the way they dig into maximizing the match, the underused 50-plus and 60-to-63 "super" catch-up contributions, the new Roth catch-up rule for high earners, and the triple-tax-advantaged power of the HSA. They close with a mid-year nudge to review your savings rate and a reminder that money should buy choices, not guilt. ⏱ Episode Timeline & Key Topics 00:03 – Welcome & The Regrets We Hear Bill and Andy open the show with the common regrets they hear from plan participants: "I wish I'd saved more," "I wish I'd stayed in the market," "I wish I'd started earlier," and "I wish I'd taken the match longer." 00:53 – The One Regret Nobody Voices Nobody ever says they saved too much. Andy reframes the goal as balance — saving for later without abandoning a reasonable lifestyle now, or vice versa. 01:34 – Why Retirement Feels Too Far Away Bill notes how "retirement feels far away" leads people to defer saving, even though early dollars have the most time to compound. Life gets expensive as competing priorities — marriage, kids, college, car and house payments — crowd out saving. 02:08 – "Die with Zero" and Valuing What Feels Endless Andy shares Bill Perkins' insight from "Die with Zero": when something feels abundant or endless, we don't fully value it — which is exactly the trap with retirement saving that still feels far off. 02:53 – Missed Opportunities, Not Saved Dollars People nearing retirement rarely regret the money they saved; the regret is around opportunities missed. Each year's contribution limit lapses and can't be refilled later. 03:34 – Deathbed Regrets and Living with Balance Andy recalls that the biggest end-of-life regrets are rarely about working harder — they're about relationships, taking risks, and speaking up. The takeaway: plan forward for a long life while keeping balance today. 04:41 – Know How Your Company Match Works Bill urges participants to understand and maximize the match — an instant return, whether dollar-for-dollar or 50 cents on the dollar — and to capture that opportunity every year. 05:06 – When "Just the Match" Isn't Enough Andy raises the flip side: maxing the match may still fall short. The key questions are whether a match exists, what it is, and whether hitting it will actually be enough for your situation. 05:50 – Catch-Up and Super Catch-Up Contributions Bill covers catch-up contributions starting at age 50 and the SECURE 2.0 "super" catch-up for ages 60 to 63. Despite peak earning years, usage is low — roughly 5% of eligible 50-plus savers per the Public Retirement Research Lab, and low teens in Vanguard's How America Saves. 06:49 – Freeing Up Dollars in Your 50s As kids leave home and certain expenses fall away, your 50s can be a window to put more toward retirement — after assessing where you stand on your savings track. 07:39 – The New Roth Catch-Up Rule for High Earners Bill explains the rule rolled out this year: high earners (making $150,000 or more with an employer the prior year) who are 50-plus must make catch-up contributions as Roth. Some savers are balking — even skipping catch-ups entirely — rather than going Roth. 08:19 – Roth vs. Taxable: Why the Rule May Be a Gift Andy points out that money saved outside the plan gets taxed on dividends and gains along the way, while Roth is taxed up front and then grows and distributes tax-free. Bill notes high earners often can't deduct a traditional IRA anyway. 09:16 – The Value of Tax-Advantaged Space and the HSA The brothers highlight the range of tax-advantaged vehicles — 401(k), IRA, and the HSA, the triple-tax-advantaged account tied to a high-deductible health plan that blends the best of Roth and pre-tax. 09:49 – HSAs, Healthcare Costs, and Reimbursing Yourself Later Andy explains why the HSA may be the best retirement vehicle: healthcare becomes a bigger expense with age, and saving receipts now lets you reimburse yourself tax-free years later for big-ticket costs. 11:09 – An HSA Catch-Up Strategy for Couples Bill shares a lesser-known tip: when both spouses are 55-plus, the family contribution plus two catch-ups is allowed — but the second catch-up must go in a separate HSA. IRAs and HSAs can be funded up to the April tax deadline. 11:59 – Planning for Taxes Down the Road Andy notes most people focus only on today's taxes and overlook RMDs and legacy planning. Structuring your accounts thoughtfully can improve your future tax picture without costing much now. 12:35 – Can You Actually Save Too Much? Back to the opening question: yes, it's possible — high earners who live well within their means, or those who live so frugally the balance tips too far toward later at the expense of enjoying now. 14:01 – Money Should Buy Choices, Not Guilt Bill frames it as the balance of financial security and financial sacrifice. Savings should give you more choices in retirement — not maximize an account balance for its own sake. 15:08 – Confidence Scores and the Science of a Plan Andy describes the individual financial planning process: taking inventory of assets, income sources, and expenses to produce a confidence score across retirement ages, factoring in Social Security timing, Roth conversions, RMDs, and guaranteed income. 17:04 – Mid-Year Savings-Rate Checkup At the midpoint of 2026, Bill encourages listeners to review what they've saved in the first six months and adjust for the second half, aiming for a household savings rate near the often-cited 15% (including any match). 18:10 – "My Spouse Handles That" Andy addresses participants who leave saving entirely to a spouse — trust is great, but both partners should know whether the plan will be enough down the road. 18:39 – Wrap-Up: Better to Have Extra Than Be Short Bill contrasts arriving at retirement with $200,000 extra versus $200,000 short. Savings rates matter and long-term thinking gets you there. The brothers close with contact info — brothers, but not twins. ✅ Key Takeaways Quick Reference •             Nobody regrets saving — they regret missed opportunities — each year's contribution limit lapses and can't be refilled later, so capture it while you can •             Aim for balance, not extremes — don't sacrifice today's life entirely for the future, or the future entirely for today •             Start early to let time do the work — early dollars have the most time to compound, even when retirement feels far away •             Understand and maximize your match — a dollar-for-dollar or even 50-cents-on-the-dollar match is an instant return you should capture every year •             Maxing the match may not be enough — check whether hitting the match actually funds the retirement you want •             Use catch-up and super catch-up contributions — available at 50, with an enhanced amount for ages 60 to 63, yet only about 5% of eligible savers use them •             The Roth catch-up rule can work in your favor — high earners ($150K+) doing catch-ups must go Roth, which grows and distributes tax-free rather than getting nibbled by taxes in a taxable account •             The HSA may be your best retirement vehicle — triple-tax-advantaged, and you can save receipts now to reimburse yourself tax-free later •             Plan for future taxes, not just today's — think about RMDs, Roth conversions, and legacy before they arrive •             Money should buy choices, not guilt — the goal is confidence and options in retirement, not the biggest possible balance •             Do a mid-year savings-rate check — review the first six months and adjust; a common benchmark is around 15%, including any match

Jim and Chris discuss listener emails on Social Security survivor benefit strategies, a Roth 401(k) catch-up rule loophole, HSA reimbursement for Medicare premiums, pension options including a lump sum rollover, and trust titling versus individual beneficiaries. (13:00) — George asks whether his brother can claim his own Social Security benefit at 62 and switch to the higher survivor benefit at full retirement age. (22:45) — A listener asks whether starting a new job in 2026 could exempt him from the new mandatory Roth 401(k) catch-up rule. (28:45) — The guys field a question about using HSA funds to reimburse Medicare Part A premiums paid for a spouse before age 65. (40:00) — Jim and Chris review a listener’s decision to take a pension lump sum and roll it into an IRA over the annuity options. (1:13:00) — Georgette asks which accounts should be retitled into her trust versus left as individual beneficiary designations. The post Social Security, Roth 401k, HSA Reimbursement, Pension Options, Trust Planning: Q&A #2630 appeared first on The Retirement and IRA Show.

Use code MONEYGUY at Monarch.com to get your first year of Monarch Core half off at just $50: https://bit.ly/monarch-moneyguy Want to build wealth faster without taking unnecessary risks? Brian and Bo break down seven financial "cheat codes" that can dramatically improve your long-term finances—from maximizing your 401(k) employer match and automating investments to optimizing your HSA, using a Backdoor Roth IRA, tax-loss harvesting, and following the Financial Order of Operations. These aren't gimmicks—they're proven wealth-building strategies that many investors overlook. Whether you're just getting started or optimizing your financial plan, these money moves can help you avoid costly mistakes and make every dollar work harder. Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Whatever you've done, there's a very good chance you can recover. That's the message of this week's show — and then Ben and Dan get specific, decade by decade, about the mistakes that quietly sink retirements and the moves that rescue them.In this week's Money On Tap, Ben Brayshaw and Dan Michelon walk through the money mistakes of every stage of life. The 20s and 30s: waiting to invest, lifestyle inflation, and treating insurance as a nuisance instead of what it really is — protection of your ability to retire. The 40s — the squeeze years: turning off the 401(k) match to pay the bills (walking away from free money), getting too comfortable with debt, and skipping the tax planning that builds tax-free assets for later. The 50s — the catch-up years: catch-up contributions, the HSA "triple threat," the backdoor Roth, and the fear-driven mistake of going too conservative too soon. And in retirement itself: the light-switch move to cash, target-date funds past their date, scattered old 401(k)s, chasing a "number" instead of an income, and the biggest one of all — no plan for a health change.What you'll learn:Why your 20s and 30s are the most powerful investing decade you'll ever get — and what lifestyle inflation really costsInsurance reframed: insuring well-being, not events — and why long-term care planning protects the healthy spouseThe 401(k) match rule for the squeeze years: never walk away from free moneyWhen to shift from investment planning to retirement planning — and why the goal is an income number, not a total numberThe catch-up toolkit for your 50s: 401(k) and IRA catch-ups, the HSA triple threat, and the backdoor RothWhy "too conservative too soon" quietly loses money backwards — and how segmentation puts risk and security in one strategyThe bucket strategy in action: a real case of a 60%-bond portfolio, a 4.5% withdrawal rate, and a first-home gift — rescuedFoundational expenses: the income planning step most people skip before retiringThe health-change plan: estate documents, powers of attorney, and why waiting can mean it's too late to signPlus Money In The News:Alphabet set for a blockbuster quarter as AI bets collide with spending fears — why this AI buildout isn't the dot-com eraPhased tariffs on generic drugs: 90% of U.S. prescriptions are generics, and most aren't made hereFidelity's new number: retirees may need nearly $186,000 for healthcare — up 7.5% in a yearWant the Retirement Rescue white paper? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Figures cited are as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.Why is my S&P 500 index fund underperforming the market in 2026?Because the S&P 500 is cap-weighted: roughly a third of every dollar in the index sits in just seven stocks — the Magnificent Seven — and several of them are having an off year. Meanwhile the equal-weight S&P 500 is up more than double the cap-weighted index, and over 300 individual S&P stocks are beating it, led by healthcare and industrials near 24%. The fix isn't leaving the market — it's diversification: equal-weight exposure, sector funds, and a rebalancing discipline that trims concentration back to your plan.

For a woman facing an unplanned pregnancy, one appointment can open the door to practical support, renewed hope, and the life-changing message of the gospel. Dan Steiner, Founder and President of PreBorn!, joined the show today to explain how the ministry partners with pregnancy clinics across the country to serve women in crisis, protect unborn children, and introduce families to the hope found in Jesus Christ. A Calling Rooted in Christ Steiner's involvement in the pregnancy center movement began during his personal time with the Lord. As he prayed about how his life could reflect gratitude for what Christ had done for him, he became increasingly burdened by abortion and the lives affected by it. That conviction eventually led him to serve at a pregnancy center in the Midwest and later establish PreBorn!. From the beginning, Steiner says the ministry has been grounded in a simple conviction: Christ must remain at the center. Women facing unplanned pregnancies often need medical services, practical resources, and compassionate guidance. But their deepest need, like ours, is the hope and restoration found in Jesus. Today, PreBorn! works with nearly 300 pregnancy clinics, particularly in cities with high abortion rates. The ministry helps establish clinics, provides ultrasound equipment, covers the cost of ultrasound appointments, trains leaders, supports medical personnel, and connects women searching online for abortion information with nearby pregnancy clinics. Why Ultrasounds Matter Ultrasound technology is central to PreBorn!'s work because it allows a mother to see her child, often for the first time. According to PreBorn!, women who receive an ultrasound are significantly more likely to continue their pregnancies. The image on the screen can transform an abstract and frightening situation into a deeply personal encounter. Steiner shared the story of a pregnant 13-year-old who arrived at one of the ministry's partner clinics intending to have an abortion. She believed she was too young to become a mother and had not told her own mother about the pregnancy. But when she saw her child on the ultrasound screen, she began to weep. She chose life, and an adoption plan was later arranged for her baby. The ultrasound did not remove every difficulty she faced. It did, however, give her the opportunity to better understand the life developing inside her and to consider a different path. Caring for Women Beyond the Appointment Choosing life is often only the beginning of a woman's journey. Many women considering abortion are confronting financial pressure, unstable relationships, housing challenges, or uncertainty about how they will care for a child. That is why PreBorn's partner clinics seek to provide more than a single appointment. Depending on the clinic and the woman's needs, support may include maternity clothing, diapers, cribs, car seats, parenting resources, counseling, and ongoing care for several years. This compassionate approach recognizes that caring for an unborn child also means caring for the mother. Christians should never treat a woman facing an unplanned pregnancy as a political symbol or a problem to be solved. She is a person made in the image of God who deserves patience, dignity, truth, and practical help. “Let us not love in word or talk but in deed and in truth” (1 John 3:18). Sharing the Hope of Christ PreBorn! describes its mission as saving lives for both earth and eternity. Protecting unborn children is an essential part of its work, but the ministry also wants every woman and family it serves to hear the gospel. Romans 1:16 is central to that mission: “For I am not ashamed of the gospel, for it is the power of God for salvation to everyone who believes.” Steiner recalled one young couple who entered a clinic divided over what to do. The father was pressuring his girlfriend to have an abortion because he feared repeating the destructive patterns he had witnessed in his own family. A counselor placed a fetal model representing the approximate size of their baby in his hand. As he looked at it, he began to cry. He knew abortion was not the answer, but he also felt powerless to become the father his child needed. The counselor then shared the hope of the gospel and explained that Jesus could redeem his past and begin transforming his future. According to Steiner, both parents placed their faith in Christ and chose life for their child. PreBorn! reports that more than 100,000 people have committed their lives to Christ through its ministry over the past two decades. These decisions are not produced by an ultrasound or a counseling technique. Salvation belongs to the Lord. Yet God often works through faithful people who combine truth, compassion, and practical care. Responding to a Changing Landscape Although the legal landscape surrounding abortion has changed significantly in recent years, the need for pregnancy care has not disappeared. The growing availability of abortion pills online means many women may never enter a traditional abortion facility. Instead, they can locate providers, schedule telehealth appointments, and receive medication through the mail. PreBorn! is responding by using digital outreach to connect with women as they search online. Trained team members can speak with them, answer questions, and help schedule appointments with partner clinics where they can receive medical services, an ultrasound, and compassionate support. This changing environment requires pregnancy ministries to pair unwavering biblical convictions with wisdom, innovation, and sensitivity. Behind every online search is a woman who may be frightened, isolated, or unsure where to turn. The goal is not merely to win an argument. It is to reach her with truth and love before she makes a decision she cannot reverse. Using God's Resources to Defend Life Faithful stewardship involves asking how the resources God has entrusted to us can be used to serve our neighbors and advance gospel-centered work. A gift of $28 to PreBorn helps provide an ultrasound for a woman facing an unplanned pregnancy. Donors may also fund an ultrasound machine for $15,000. According to Steiner, a single machine may remain in service for approximately 10 years and produce hundreds of scans each year. Of course, Christians will not all support the same organizations or participate in this work in the same way. Some may give financially. Others may volunteer, foster, adopt, mentor young parents, provide meals, or support a local pregnancy center. What matters is that our concern for life takes visible form. When God's people respond with generosity, women receive compassionate care, families find practical support, unborn children are given an opportunity for life, and doors open for the hope of Christ to be shared. To help provide an ultrasound for a woman in crisis, visit FaithFi.com/PreBorn or dial #250 and use the keyword “BABY.” On Today's Program, Rob Answers Listener Questions: I'm wondering about the new Trump accounts for children and whether they're a better option than a 529 plan for my grandson. If his parents open either type of account and I contribute, would I receive any tax benefit, and how would that work? I'm semi-retired, turning 65 in November, and currently have health, dental, and vision insurance through my school job, including an HSA that helps cover medical expenses. Do I still need to sign up for Medicare at 65, even if I keep my current coverage? And if so, how should I go about it? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) PreBorn! Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. 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In this episode, I'm joined by Beeya founders Yasmin Nouri and Kaya Purohit, to explore the science of seed cycling, hormone health, and why supporting your menstrual cycle doesn't have to be complicated. We discuss the personal experiences that inspired their company, the research behind seed cycling for PMS relief, and how simple nutrition and lifestyle habits can support hormonal health. → Leave Us A Voice Message!  Topics Discussed: → Does seed cycling work? → Can seed cycling reduce PMS? → How does blood sugar affect hormones? → How can you balance hormones naturally? → What habits support healthy hormones? Sponsored By:  → Timeline | Timeline's clinically proven formula is now available at a new, lower price. Mitopure now starts at $79, when you subscribe at https://timeline.com/KELLY → Be Well By Kelly Protein Powder & Essentials | Get $10 off your order with PODCAST10 at https://bewellbykelly.com → Fatty 15 | Fatty15 is on a mission to replenish your C15 levels and restore your long-term health. You can get an additional 15% off their 90-day subscription Starter Kit by going to https://fatty15.com/KELLY15 and using code KELLY15 at checkout. → Higher Dose | Head to higherdose.com/bewell to explore their infrared sauna blankets, red light devices, and more. Plus, qualified customers may be able to use HSA or FSA funds through Truemed to save on their purchase. Timestamps:  → 00:00:00 - Introduction → 00:02:12 - Yasmin's Hormone Journey After Birth Control → 00:04:48 - Why They Started Beeya Wellness → 00:09:00 - What Is Seed Cycling? → 00:09:58 - Signs of a Healthy Menstrual Cycle → 00:13:20 - The Science Behind Seed Cycling → 00:16:20 - Clinical Trial Results for PMS → 00:18:26 - Blood Sugar, Fiber & Seed Myths → 00:21:08 - How Beeya Makes Seed Cycling Easy → 00:27:50 - Building a Self-Funded Wellness Brand → 00:31:00 - Growing a Team Without Investors → 00:38:00 - Motherhood & Entrepreneurship → 00:40:40 - The Future of Women's Health → 00:42:38 - Growing Beeya Wellness → 00:49:00 - Everyday Wellness Habits → 00:55:42 - Beeya's Mission → 00:57:02 - Supporting the Next Generation → 00:58:42 - Where to Find Beeya Further Listening:  → How to Eat for Better Hormones, Blood Sugar & Energy | Lauren Chambers Check Out Beeya Wellness:  → Instagram  → Website  → Facebook  → Yasmin's Instagram  → Kaya's Instagram Check Out Kelly: → Instagram → Youtube → Facebook

It's been over a year since Sara's neck surgery, and there's still a marble-sized knot sitting in her shoulder that won't quit. Massages haven't touched it. Time hasn't fixed it. So instead of waiting it out any longer, she's back in the chair for dry needling, the treatment that helped her most before surgery ever happened. Dry needling sounds worse than it is: a needle taps into the muscle, and if that muscle is healthy, nothing happens at all. But if it's dysfunctional, it spasms, twitches, and resets itself, almost like it's shocking its own function back online. This round came with an upgrade too, a stem machine hooked directly into the needle, sending signal straight through the muscle. The real point isn't the needle, it's the waiting. A knot that doesn't go away on its own after a year isn't something to keep ignoring; it's something to treat. Cash-pay sessions, HSA cards, whatever it takes, sometimes fixing the problem is worth more than one more month of hoping it resolves itself.Connect with us on social media!Instagram | TikTok | Threads | Youtube | Facebook | X (Twitter) | WebsiteThis podcast offers health, fitness, and nutritional information and is designed for educational and entertainment purposes only. You should not rely on this information as a substitute for, nor does it replace professional medical advice, diagnosis, or treatment. If you have any concerns or questions about your health, you should always consult with a physician or other healthcare professional. Do not disregard, avoid, or delay obtaining medical or health-related advice from your healthcare professional because of something you may have heard on this podcast. The use of any information provided by Nacho Fitness Coach podcast is solely at your own risk.

A 68-year-old woman disappears without a trace after taking a remote road through the Minnesota wilderness. Days later, two friends make a split-second decision to explore a muddy trail they've ignored for years... and discover something so shocking they think they're looking at a corpse. But then it whispers. What happened over the next 90 minutes would test everything they had—and leave them convinced that this was no coincidence.-----------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed. THANK YOU FOR SUPPORTING OUR SPONSORS:Bon Charge Order the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted.Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!

In this episode, Alex and Wade clarify important aspects of Health Savings Accounts (HSAs), particularly focusing on the rules surrounding beneficiaries. They address common misconceptions about what non-spousal beneficiaries can do with HSA receipts after the account holder's death and emphasize the importance of utilizing HSA funds during one's lifetime. The discussion also touches on the implications for charitable giving when it comes to HSAs. Listen to the full episode here.

In episode 294 of the Fit Father Project Podcast, Dr. Anthony Balduzzi sits down with Brent Yates, founder of AION, to break down the real science behind weighted vest training — and why adding load, compression, and heat to your daily walks and workouts could be one of the smartest longevity moves a man over 40 can make. Dr. Anthony speaks from personal experience, having worn the AION vest daily on his morning walks with his dog Luna and during bodyweight training sessions, noticing more calorie burn, more sweat, and a genuine upgrade in workout quality without changing anything else.Brent's story is compelling on its own. At 60, he was competing professionally in long drive golf contests when he tore his supraspinatus, underwent surgery, and watched 15 pounds of hard-earned muscle disappear while 15 pounds of belly fat took its place. Frustrated by every weighted vest on the market — all of which hurt his body or compromised his movement — he built his own. What emerged was a patented three-in-one system: compression for blood flow and recovery, thermogenic heat trapping for calorie burn, and fractional load distributed across nearly 45% of the body.The data backs it up. AION's research shows the vest gets you into Zone 2 cardio 50% faster than wearing a t-shirt, with 20% higher heart rates and 18% more calories burned during the same workout. Brent also shares his mindset framework for comeback after injury — a powerful message for any man over 40 who feels like he's starting over physically. If you want to do more with less, train smarter as you age, and build a tool into your daily life that keeps working even when you're walking the dog or playing pickleball, this episode delivers.Rate & Review – If this episode helped you think differently about how you train and recover after 40, please take a minute to rate and review the Fit Father Project Podcast. Your review helps more men discover the show and get the tools they need to build strength, energy, and long-term health.Join the Fit Father Community – Want support from other men working to get stronger, leaner, and healthier after 40? Join the Fit Father brotherhood and surround yourself with men who are committed to living with more energy, strength, and purpose.Key TakeawaysWhy compression is the "holy grail" of the AION vest — and how it drives blood flow, oxygen delivery, and anti-inflammatory recoveryThe three-part system that makes the AION vest different: compression, thermogenic heat trapping, and fractional loadHow the vest gets you into Zone 2 cardio 50% faster — with 20% higher heart rate and 18% more calories burnedWhy fractional loading across 45% of your body matters more than piling weight in one placeThe optimal vest weight for men: 5–7% of your body weight (a 160-pound man starts at roughly 8 pounds)Why too much weight actually slows your metabolism down — and how to know when to increase loadWhether men with 50-plus pounds to lose should use a weighted vest (the answer is yes, with smart modifications)Brent's personal comeback story: shoulder surgery at 60, five total surgeries, and how he rebuilt stronger each timeThe mindset shift every man needs after injury — go back to the driving range, not straight to the majorsWhy the strength and health you build now is your insurance policy for every surgery, setback, and challenge aheadTry the ION Weighted Vest – This episode is sponsored by ION (AION), the only patented compression weighted vest on the market combining load, heat, and compression in a single sleek, form-fitting design. Dr. Anthony wears it every single day and fully endorses the product. Visit aiongear.com and use promo code FIT FAMILY for a discount on your order. The vest is also HSA and FSA eligible — so check your health savings accounts before you buy.Want To Change Your Life? Check Out FF30X!FF30X is a simple, sustainable, and specific weight loss program designed especially for busy men over 40. With short metabolic workouts, an easy-to-follow meal plan, and an accountability team there for you every step of the way, FF30X can help you lose weight, regain energy and vitality, and live life to the fullest. Click here to see everything you get when you join FF30X.Breakthrough In The Desert LIVE 2026!Come experience the energy of Breakthrough In The Desert, in person this August 7–9 in Phoenix. You'll enjoy transformational teaching, nourishing meals, and the kind of real community that leaves you feeling recharged, inspired, and deeply connected. Reserve your spot now and join us for an unforgettable weekend. We look forward to meeting you!*Please know that weight loss results and health changes/improvements vary individually; you may not achieve similar results. Always consult with your doctor before making health decisions. This is not medical advice - simply very well-researched information on longevity training, muscle health, and healthy aging.

Is America still the best place to invest for the future? In this episode of Pivot with Darryl Lyons, Darryl explains why he remains confident in the long term strength of the United States and why innovation continues to fuel its economic leadership. From artificial intelligence to the global dominance of US companies, he shares the key factors shaping his investment outlook. Darryl also explores why his firm's portfolios often lean toward US investments, breaking down the advantages of America's accounting standards, political stability, and the strength of the US dollar compared to many international markets. Plus, he answers a listener question about Health Savings Accounts and whether it's possible to save too much in an HSA. You'll learn: ●      Whether it's possible to save too much in a Health Savings Account ●      Why the United States continues to be a leader in global investing ●      How accounting standards, government stability, and currency risk impact investment decisions ●      Why AI and quantum computing could shape the next era of economic growth ●      The role of the US dollar in the global economy ●      What long-term investors should consider when building a diversified portfolio Whether you're planning for retirement, investing for long-term growth, or trying to better understand today's global markets, this episode offers valuable perspective on why America continues to stand out as a destination for innovation and investment. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: Ushering in the Next Frontier of Quantum Innovation – The White House US Quantum Computing Companies: Complete 2026 Guide America at 250 in 6 charts | Capital Group Pros and Cons of International Accounting Standards | Luxwisp

What if everything you've been told about taxes is keeping you from building real wealth? Nick Savoy, founder of SAM727 and self-described 'lifestyle general contractor,' reveals why most entrepreneurs are unknowingly playing what he calls 'societal gambling' with their finances. Through his unique approach as a financial architect, Nick shows how the tax code isn't a rigged system designed to drain your bank account-it's actually a strategic playbook for those who know how to read it.From the triple tax-free power of HSA accounts that most people overlook to the critical mindset shift every entrepreneur must make (hint: are you an employee or a business owner?), this conversation will change how you think about money, taxes, and financial strategy. Nick breaks down why paying yourself from day one isn't optional, how to bulletproof your business structure before disaster strikes, and the cash flow fundamentals that separate thriving entrepreneurs from those trapped in their own businesses.Want to grow your podcast, land more guest appearances, and save hours every week? The Podcast Growth Partner helps podcasters, guests, and podcast teams create stronger content, prepare smarter, and grow strategically.Start your free 3-day trial: PodcastGrowthPartner.comWant personalized podcast strategy support? Book a free clarity call: MeetwithOlivia.me Connect with Olivia Atkin & Achieving Success:Website: Achieving-Success.comFacebook Community: The Podcaster's Powerhouse Community For Business OwnersFacebook: Olivia Atkin | Achieving SuccessLinkedIn: Olivia Atkin | Achieving SuccessInstagram: @_achievingsuccessConnect with Nick Savoy: Email: Nick@san727consulting.comLinkedIn: nicholassavoyFacebook: SAN727 ConsultingInstagram: nicholas.savoyBecome a supporter of this podcast: https://www.spreaker.com/podcast/achieving-success-with-olivia-atkin--5743662/support.

Just days before Christmas, 10-year-old Chris vanished without a trace.For nearly a week, his family, the FBI, and local authorities searched desperately as hope began to fade. Then, against all odds, a miracle happened.But that wasn't the end of the story. More than two decades later, a phone call forced Chris to confront the one person he never expected to see again. What happened inside that room would change two lives forever.This remarkable true story isn't just about survival—it's about a decision so unexpected that it left everyone who witnessed it speechless.THANK YOU FOR SUPPORTING OUR SPONSORS:Bon Charge Order the Bon Charge Red Light Face Mask today at https://boncharge.com Use promo code MIRACLE to get 15%, FREE shipping and a 12-month warranty. HSA and FSA accepted. ------------------------If you're a fan of true crime but crave a dose of inspiration instead of tales of darkness, The Miracle Files is your perfect alternative. With the same storytelling intensity as true crime podcasts, The Miracle Files delves into the details of each miraculous story, exploring the people and circumstances that turned these moments into something unforgettable. Whether you believe in divine intervention or human perseverance, this podcast will leave you feeling uplifted and amazed.Website: www.themiraclefiles.comPodcast/RSS: https://podcasts.apple.com/us/podcast/the-miracle-files/id1714203488Instagram: https://www.instagram.com/the_miracle_files_podcastFacebook: https://www.facebook.com/profile.phpid=100093613416005&mibextid=LQQJ4dTikTok: https://www.tiktok.com/@the.miracle.files?_t=8rB5ooQd482&_r=1Subscribe now so you don't miss a single episode!

Don't want to wait until 65 to retire? With a combination of rental properties and some of the other investments we're covering on today's show, you may not have to. Whether you're starting from zero or diligently building your nest egg, use these eight steps to build a diversified portfolio and reach financial freedom much faster!  Welcome back to the Real Estate Rookie podcast! Today Ashley and Tony are pulling back the curtain on their actual retirement plans—what they're doing, why they're doing it, and what they wish they'd known sooner. They share how they first got into real estate investing and how they've adjusted their portfolios over time. They also break down the investment “order of operations,” a sequence of financial moves that will help you build long-term wealth! Along the way, we'll get into things like the 401(k) employer match, the triple-tax-advantaged HSA account, and the often-misunderstood 529 college savings plan. Whether you want to gradually step away from your W-2 job or simply have “enough” when you reach traditional retirement age, this episode gives you a clear roadmap for achieving your long-term financial goals! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠t⁠⁠tps://www.biggerpockets.com/blog/rookie-741⁠. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.  Learn more about your ad choices. Visit megaphone.fm/adchoices

To learn more about opening a self-directed HSA and how you can use an HSA to invest in what you know, click the link to connect with my team at Directed IRA: https://directedira.com/appointment/In this episode of the Directed IRA Podcast, Mat Sorensen explains how a self-directed Health Savings Account (HSA) can become one of the most powerful long-term wealth-building tools available. Instead of treating an HSA as simply a place to save for current medical expenses, Mat discusses how investors can use a self-directed HSA to invest in alternative assets like real estate, private companies, cryptocurrency, private lending, and more—all while taking advantage of the HSA's unique triple tax benefits.Mat walks through how to open and fund a self-directed HSA, the investment rules, prohibited transaction rules you MUST know, and strategies like using an HSA LLC for greater investment control. He also explains why allowing your HSA investments to compound over time can help cover one of retirement's largest expenses...healthcare.For questions or to learn more about this episode's topic, book a call with an IRA specialist here: https://directedira.com/appointment/Interested in learning more about alternative investments? Join us this year at the Alternative Asset Summit October 22 & 23, where you'll hear from industry experts and connect with like-minded investors exploring new ways to build wealth: https://altassetsummit.com/Other:Mat Sorensen: https://matsorensen.comMark J. Kohler: https://markjkohler.com/ KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

Most retirement planning focuses on accumulation -- how to save enough. Dana Anspach of Sensible Money has spent her career on the other side of that equation: what happens when it's time to actually spend the money. In her new book Living Off Your Acorns, she breaks retirement into four distinct phases -- pre-go, go-go, slow-go, and no-go -- and argues that the decade before you retire may be the most important planning window of all. CFP and MarketWatch columnist Beth Pinsker also stops by to flag an HSA inheritance problem that almost nobody sees coming.What You'll Walk Away WithDana's four-phase retirement framework -- pre-go, go-go, slow-go, and no-go -- and why the pre-go years (the 10 years before you stop working) are where the most valuable planning actually happensWhy most people wait until months before retirement to do serious planning -- and the specific things you can only fix if you start far enough outThe JP Morgan research showing 20% volatility in retirement spending year over year -- and why that makes flexibility a more important goal than optimizationWhy Dana recommends recalibrating your retirement plan every year rather than building a 30-year model that's guaranteed to be wrong by year fiveThe income ladder approach: how having bonds and CDs maturing each year means you never have to sell investments at a loss to cover spending -- and why it also helps behaviorallyThe fundedness concept: why the safe withdrawal rate was calculated assuming the Great Depression starts the day you retire, and why dynamic go-go spending gives you more room than the 4% rule suggestsThe retirement red zone -- the five years before and the first year after leaving work -- and why Dana starts shifting portfolios toward conservatism 10 years out, not fiveThe long-term care reality check: why only about 15% of people incur a catastrophic care cost, why home equity is Dana's preferred reserve asset, and what insurance actually covers versus what people hope it coversThe HSA tax problem Beth Pinsker uncovered: why a non-spouse beneficiary who inherits your HSA takes the entire balance as ordinary income in a single year -- and why you should spend it before your Roth, not afterWhy power of attorney paperwork at each individual financial institution matters more than most people realize -- and the specific authentication vulnerabilities that put retirees at fraud riskWhy This Matters NowThe decumulation phase requires a completely different strategy than accumulation -- and most people don't start thinking about it until they're months away from leaving work. Dana's case is simple: the earlier you start building flexibility into every decision, the more options you have when life doesn't go according to plan. And it almost never does.From the BasementDana Anspach joins Joe and OG for a deep dive into Living Off Your Acorns, covering everything from her grandpa feeding squirrels in retirement to the very specific paperwork every financial institution needs before they'll honor your power of attorney. Beth Pinsker makes a headline segment appearance to explain the HSA inheritance tax problem her MarketWatch piece uncovered. Doug arrives with World Cup trivia. The community shares reactions to the 59% unplanned retirement episode, including Shep's 30-year story of gradually bumping his savings rate and a 37-year-old Stacker leaving the workforce in two weeks for baby number four.Resources MentionedLiving Off Your Acorns: Your Guide to the Four Phases of Retirement by Dana Anspach -- available on Amazon; search "Living Off Your Acorns" or "Dana Anspach"Sensible Money -- Dana Anspach's financial planning firm; sensiblemoney.comMarketWatch -- "I'm 66 and have $85,000 in my HSA. When should I start spending it?" by Beth PinskerMy Mother's Money by Beth Pinsker -- previous Stacking Benjamins appearance linked at stackingbenjamins.comStacking Benjamins Basics Guide -- stackingbenjamins.com/basicsguideStacking Benjamins YouTube channel -- OG and Anna basics series; youtube.com/stackingbenjaminsStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.